General questions

Is Betalo safe?
Betalo is a payment institution in accordance with the Payment Services Act (2010:751) and is under the supervision of the Swedish Financial Supervisory Authority.
All communication between Betalo and our customers, as well as between Betalo’s systems, is encrypted and protected with 128-bit Extended Validation SSL certificates. Betalo does not store any card data, but this is handled solely by Nets. Betalo monitors all transactions to detect unusual activity and protect against possible fraud.
Betalo uses Mobile BankID and BankID for secure identification and log in.
Betalo is hosted in data centers that have been accredited according to PCI – DSS level 1 with limited access and round-the-clock monitoring. Betalo monitors OWASP’s recommendations regarding the products and platforms we use.

How do I create a Betalo account?
You can create a Betalo account in our mobile app (available on iPhone and Android). You identify yourself with Mobile BankID.
You must be at least 18 years old to create an account and pay at Betalo. Betalo is currently only offered to customers who are registered in Sweden, have a Swedish social security number and do not have a protected identity.

Which cards does Betalo accept?
Betalo accepts all types of cards, i.e. debit cards, debit cards and credit cards. Betalo also accepts all Visa, Mastercard and American Express issued in Sweden, Norway, Denmark, Finland, within the EU and outside the EU.
We also have partnerships with several card issuers.

What is an affiliate card?
A partner card is a card issued by a company or organization with which Betalo has a partnership. These card issuers offer their customers to use Betalo at a lower fee or no fee at all.
When you add a partner card, the system automatically recognizes which one it is, and gives you the correct fee for using Betalo.

How do I get a receipt for my payment? 
Go to the Payments tab, click on your payment. After that, click the receipt icon at the top right corner. If you want to download the receipt, click on the download icon in the top right corner. The receipt is downloaded as a PDF, you can then email the receipt to yourself or choose to print it.  

Does Betalo have push notifications?
Yes, Betalo offers push notifications.
iOS: Go to Settings > Notifications > Betalo.
Toggle on Allow Notifications.
Android: Go to Settings > Apps & notifications > Betalo > Notifications.
Toggle on the desired notifications.

Can I name my cards in the app?
Yes, you can name your cards. You will be prompted to do this when you add the card to the app. You can also do it afterward by clicking on the three dots in the upper right corner of the card and selecting “Change name”.

On which technical platforms can I use Betalo?
Betalo is a mobile app for iPhone and Android. You can download the app from the App Store or Google Play.

How much does Betalo cost?
Betalo uses a simple pricing model with no fixed fees. The service fee for using a partner card ranges from 0% up to 1.9%. The service fee for other cards ranges from 2.9% up to 3.9%.

How do I add a card to Betalo’s app?
In Betalo’s app, you add your card by first clicking on the card icon. Once you’ve clicked on the card icon, click on the plus sign in the top right corner. Then fill in your card details. Click register and then confirm with 3D Secure.
The card details are stored securely at Nets. Betalo never stores your card details.

What happens if my card is declined?
The fact that your card is denied usually has nothing to do with Betalo. We therefore ask you to contact your card issuer if you have any questions about this. Please check the terms and conditions that your card issuer has for payments on the internet.

Are payments made with Betalo counted as card transactions?
Payments made with Betalo are normally counted as card transactions. However, there are exceptions, which is why we recommend checking with the card issuer.

Where can I see my payment history?
All payments you have made can be seen in the app under the payments tab. 

Are payments made with Betalo bonus-based?
Payments made with Betalo generally give bonus points to card programs with a bonus system. However, there are exceptions, which is why we recommend checking with the card issuer.

 What is the biggest size of payments I can make via Betalo?
The possible size of payments is determined by the card you are using and your own credit limit. If you intend to pay for more than SEK 500,000 per year, please let us know at info@betalo.se. 

When will my card be charged when I pay a bill?
You can either make a direct payment or schedule the payment to be completed at a later date. In the case of direct payment, the card will be charged immediately when you register the payment.
If you schedule the payment, the card will be charged about 3 days before the date that the payment is due to reach the recipient. To make a direct payment, select the payment date “Now”. 
Please note that we cannot guarantee that your card will be charged on a specific date if you choose to schedule your payment. For promotional offers such as double points on weekends, we recommend that you manually go into the app and enter your payments with the payment date “Now”. 

Questions about Paying Bills

How do I pay a bill? 
1: Log in to the app.
2: Click the plus icon
3: Select “Pay a Bill”
4: Select the card you want to pay with: Visa, Mastercard or American Express. If you have a partner card, choose one.
5: Fill in the recipient’s details
6: Click on the green checkmark in the right corner
7: Review the information you have entered
8: Approve payment by clicking the green tick again and approve with 3D Secure
You can pay to Bankgiro and PlusGiro accounts. With Betalo, it is not allowed to pay bills to the Swedish Enforcement Authority, debt collection companies, banks and credit institutions.*
* Payment will be made automatically on the first possible payment date. You can make payments one by one.

What bills can I pay with Betalo?
You can pay bills to plusgiro and bankgiro accounts. Betalo does not offer payments to PG and BG accounts belonging to debt collection agencies, the Swedish Enforcement Authority, banks or credit institutions. For example, you cannot pay your credit card bill with Betalo.

When does the money reach the recipient when I pay a bill?
The money is recorded in the recipient’s account on the date specified as the payment date.

How do I know that the money has reached a recipient when I have paid a bill?
Your payment is always posted to the beneficiary’s account on the payment date.
In your payment history, the status of the payment changes from “managed”/”pending” to “paid”.

How do I cancel the payment of a bill?
If you wish to cancel a payment, please contact our customer service no later than 16:45 on the banking day before the payment date.

Can I pay an e-invoice on Betalo?
You can pay your e-invoice at Betalo. What you need to do is to take the information from the e-invoice and register it on Betalo instead. After that, remove the e-invoice from your bank.
Unfortunately, you cannot currently receive the e-invoice directly to Betalo, but this is something we intend to offer in the future

Does Betalo offer direct debit?
Betalo does not offer direct debit as this is a specific product.

What is the earliest payment date I can enter when paying a bill?
The earliest payment date is about 3 banking days for payments over 3000 and 1 business day for payments under 3000 kr regardless of card type.

When will my card be charged when I pay a bill?
You can either make a direct payment or schedule the payment to be completed at a later date. In the case of direct payment, the card will be charged immediately when you register the payment.
If you schedule the payment, the card will be charged about 3 days before the date that the payment is due to reach the recipient. To make a direct payment, select the payment date “Now”. 
Please note that we cannot guarantee that your card will be charged on a specific date if you choose to schedule your payment. For promotional offers such as double points on weekends, we recommend that you manually go into the app and enter your payments with the payment date “Now”. 

Questions about sending money to bank accounts 

How do I send money to a bank account?
1: Log in to the app.
2: Click the plus icon
3: Select “Send to Bank Account”
4: Select the card you want to pay with: Visa or Mastercard. American Express cannot be used to send money to a Swedish bank account. 
5: Fill in the recipient’s details such as account number and message.
6: Click on the green checkmark in the right corner
7: Review the information you have entered
8: Approve payment by clicking the green tick again and confirming with 3D Secure
* The transfer will be carried out automatically on the first possible payment date. You can make one-by-one transfers.

When will my card be charged when transferring to a bank account?
You can either make a direct payment or schedule the payment to be completed at a later date. In the case of direct payment, the card will be charged immediately when you register the payment. If you schedule the payment, the card will be charged 3 days before the date the payment is due to reach the recipient.

Format of account number for bank transfer?
Swedbank

If you are going to make a transfer to a Swedbank account, with a 5-digit clearing number starting with 8, you need to enter a total of 15 digits. If you have an account number that is shorter than 15 digits, you need to fill in zeros between the routing number and the account number.
For example, the account number you need to send is: 8xxxxxxxxxxxx (i.e. 13 digits long with an 8 as the initial digit of the routing number). For it to work with Betalo, you need to write like this: 8xxxx00xxxxxxxx (i.e., now two zeros are added after the clearing number to make the total number of digits 15).

Nordea

If you are going to make a transfer to a Nordea account that consists of a personal identity number, you must enter a sort code before the account number.

When does the money reach the recipient when transferring to a Swedish bank account?
The money is recorded in the recipient’s account on the date specified as the payment date.

What is the earliest payment date I can enter for a transfer to a bank account?
The earliest payment date is about 3 banking days for payments over 3000 kr and 1 business day for payments under 3000 kr regardless of card type.

How do I know that the payment has reached the recipient during a transfer to a bank account?
Your payment will be posted to the beneficiary account on the day of payment.
In your payment history on your Betalo account, the status of the payment changes from “handled”/”in progress” to “paid”.

How do I cancel a bank transfer?
If you wish to cancel a transfer, please contact our customer service no later than 16:45 on the banking day before the payment date.