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 system, is encrypted and protected with a 128-bit Extended Validation SSL certificate. Betalo does not store card data, this is only handled by Nets. Betalo monitors all transactions to detect unusual activity and protect against fraud.

Betalo uses Mobile BankID for secure identification and login.

Betalo is operated in data centers that have been accredited according to PCI – DSS level 1 with limited access and monitoring around the clock. Betalo guards OWASP:s recommendations about the products and platforms we use.

Betalo accepts all types of debit- and credit cards. Betalo also accepts all Visa, Mastercard and American Express issued in Sweden, Norway, Denmark and Finland.

We also have partnership with several of the card issuers.

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 for a lower fee or free of charge.

When you add a partner card, the system identifies the partner, and gives you the right fee to use Betalo.

Betalo uses a simple pricing model without fixed fees. The service fee for using a partner card varies from 0% up to 1.9%. The service fee for other cards varies from 1,9% up to 3.4%.

Read more about our fees.

In Betalo’s app, you add your card by clicking on the card icon and adding the card.

You only have to add your card details once.

The card information is stored securely at Nets. Betalo do not store your card details.

The maximum size of payment is determined by the card you use. If you intend to pay for more than SEK 500,000 per year, please let us know.

The fact that your card is denied usually has nothing to do with Betalo. We therefore ask you to contact your card issuer for questions about this. Feel free to check the terms and conditions that your card issuer has for payments on the internet.

Payments made with Betalo generally give bonus points for card programs with bonus systems. However, there are exceptions, which is why we recommend checking this with your card issuer.

Payments made with Betalo are normally counted as card transactions. However, there are exceptions, which is why we recommend checking this with your card issuer.