Swedish freelance service
Pay2me – an umbrella employment platform built by experienced entrepreneurs for the modern small business owner.
Create an account, send invoices and get paid — without a company. We handle taxes, VAT and admin so you can focus on your work.
4,7
Reco rating
2018
Pay2me launched
10 000+
freelancers since launch
No waiting, no chasing payments. The same day your client pays, you receive your payslip.
Create and send in a minute, from your mobile, tablet, or computer.
Your client pays the invoice. Pay2me sends your payslip the same day.
Salary and expenses are paid out to your specified bank account, taxed and ready.
Enter the invoice amount, we show your gross salary immediately. No hidden fees.
GROSS SALARY
36 543SEK
* At a 30% income tax rate your net salary is 25 580 SEK
With Pay2me's simple platform, you as a private individual can invoice for your assignments. We handle taxes, employer contributions, and VAT. As soon as your customer has paid the invoice, you will receive the remuneration as salary.
When you perform household services, you can invoice with ROT and RUT deductions through Pay2me. We handle the reporting to the Swedish Tax Agency (Skatteverket) so the assignment becomes cheaper for your customer while you still receive your full amount.
Just as when you run your own business, your costs and VAT for these are tax-deductible. You simply photograph and upload your expenses in the service to have them reimbursed.
Have you performed the assignment together? Send a single invoice to the client and state how much each person should receive. We will split the amount and pay out salaries to everyone who participated – with tax and social security contributions correctly handled for each individual.
Ready-made templates for 25% (e.g., consulting, construction, and design), 12% (food, hotels, and restaurants), 6% (passenger transport, books, culture, and sports), and VAT-exempt (e.g., certain healthcare and education). If you invoice construction services to another construction company, you can use the template for reverse charge VAT in construction.
With Pay2me, you can invoice your foreign customers and have your salary paid out in Sweden. English templates are available for both EU and export invoices. If you want to invoice in euros, you can easily select the currency in the template.
Perfect for smaller assignments, ensuring on-the-spot payment, and when you want to avoid waiting for bankgiro or plusgiro.
Your customer pays easily with Swish. The money is registered instantly, and the salary payout can proceed without delay.
When you work through Pay2me, there is documented insurance cover behind the business. Pay2me's combined business insurance is written for “Konsulter/Egenanställda” – Consultants/Umbrella Employees – and includes general liability and product liability with an insurance limit of SEK 10 million per claim.
The insurance also includes specific endorsements for professional indemnity, technical consultants, pure financial loss and contractor’s liability. As an umbrella employee, you are also covered by occupational injury protection through Fora.
We publish the insurance certificate and endorsements openly so that both you and your client can easily review the insurance cover and terms.
Invoicing without a company means creating and sending the invoice through an employer instead of starting your own business. You do the work, create the invoice in Pay2me and send it to your client through the platform. The invoice is legally issued in Pay2me AB's name. Pay2me carries the employer responsibility and handles VAT, employer contributions, preliminary tax and payroll administration. Once the client has paid, the remaining amount is paid to you as salary.
Create a free account, register the assignment, create the invoice and send it to your client through Pay2me. The invoice is issued in Pay2me AB's name. When the client pays, Pay2me handles the administration fee, employer contributions and preliminary tax and pays the resulting salary to you.
The account is free. Pay2me's administration fee is charged only when your client pays the invoice, and only on the amount actually paid excluding VAT. The fee is 5.95% up to SEK 35,000, 3.95% between SEK 35,000 and SEK 100,000, and 1.95% above SEK 100,000. There are no setup or monthly fees.
Pay2me normally withholds 30% preliminary tax from your gross salary. You can choose a higher withholding rate yourself in your Pay2me account. A lower withholding rate can only be applied after Pay2me has received and registered an official tax adjustment decision (jämkningsbesked) from the Swedish Tax Agency. Pay2me also pays employer contributions and reports VAT to the Swedish Tax Agency.
You receive your salary the same day your client pays the invoice – no waiting for a monthly payroll run.
Yes. You are employed per assignment by an umbrella company that holds an F-tax certificate and acts as your employer. The income is ordinary salary and counts towards both pension and sickness benefits.
Everything in one place. Create, send, and get paid — from your pocket, anytime.
Skapa konto
Here are the most common questions we get from new freelancers. Do you want to know more? Our entire FAQ is just a click away.
View all questions
To help our freelancers find assignments, we have launched Frilansportalen. It is free for companies and private individuals to advertise assignments to Pay2me's umbrella employees. For all Pay2me's umbrella employees, it is an opportunity to find freelance jobs.
Practical guides for freelancers who invoice without a company.
Pay2me is a Swedish umbrella employment company for those who want to get paid for their work without having to start and administer their own business.
The service was launched in 2018 with the ambition of making it easier for people to work on their own terms – whether it's a single assignment, a side venture, or a more established freelance career. Since then, thousands of people have chosen Pay2me to invoice their assignments and receive payment as salary.
Our role is greater than just sending an invoice. When you perform an assignment as an umbrella employee through Pay2me, we are your employer during the assignment. You create and send the invoice through Pay2me. The invoice is issued in Pay2me AB's name. We handle VAT, employer contributions, tax deductions, payroll administration, and reporting to authorities. Once the customer has paid the invoice, you receive your payment as a salary.
From the outset, we have placed great importance on the service being easy to understand and easy to use. That's why we have built a digital platform where you can quickly create invoices, manage expenses, use different VAT rates, ROT and RUT, co-invoice with others, and track your invoices and salaries – all while having real people to contact when you need help.
For us, good umbrella employment is about simplicity, clarity, and responsibility. We want you to understand what the service costs, what Pay2me is responsible for, and what happens to the money from when you send the invoice until the salary is in your account.
You should be able to focus on the work you're good at. We'll take care of what happens behind the invoice.
Pay2me was founded by Niklas Nyman and Markus Aglander, with a clear vision to simplify everyday life for small business owners. The founders have extensive experience in entrepreneurship and company building, both in public and private companies as well as across a range of industries, such as IT, music, banking & finance, marketing, sales, tourism, accounting and law. Niklas holds a degree in business economics, Markus is a trained lawyer.