FAQ - Help and advice on your self-employment

Yes! Pay2me has launched Frilansportalen where companies and private individuals can advertise assignments for free to Pay2me's self-employed. As a Pay2me freelancer you can search for assignments that match your skills and location. Read more at Frilansportalen.se.

We handle invoices, reporting, any receipt reporting, VAT and bookkeeping in Pay2me so that you as self-employed receive your compensation as salary. You get pay slips from us that are also sent to the Swedish Tax Agency with information on tax withheld.

Having an account with Pay2me is always free; you only pay when you use our service for your invoicing and we then charge an administrative fee of 5.95% for invoices up to 35,000 SEK, 3.95% for invoices between 35,000 SEK and 100,000 SEK and 1.95% on invoices over 100,000 SEK. If several invoices are paid on the same day the amounts are combined so that you get the lower administrative fee if two or more invoices together exceed a threshold. All amounts are excl. VAT.

Your costs that are related to performing an assignment you can report as expenses and deduct before we pay out salary. Those expenses are then paid out to you without deduction for social fees and tax. Equipment (e.g. a computer) that is not solely related to the income you have invoiced cannot however be reported as an expense. You should instead claim deduction for those expenses in your tax return.

In our service you simply upload your expense receipts under the Receipt reporting menu, so that they are paid out in connection with the next salary payment.

It works perfectly to invoice a private person, in exactly the same way as for a company. For private persons you can also ask to get paid via Swish (the Swish number is on the invoice). The service also has templates for ROT and RUT invoicing.

You send the invoice by emailing it from the system by clicking the email icon next to the invoice under the Archive menu, or you can print and post it yourself. You can of course also download the invoice and email it yourself as an attachment. When you create the invoice you can preview it before you save it and send it from the system.

If you go to the Archive menu and select Invoices all invoices are listed there with status, such as whether they are overdue, paid, etc.

Pay2me handles social fees and preliminary tax (normally 30% unless you have set a higher tax to be withheld, or submitted a tax adjustment to us for lower preliminary tax). This means that when you use our service you do not need to do any of your own bookkeeping – we make sure everything is handled correctly!

It works perfectly to use our service even if you have a payment remark. Pay2me does not perform any credit checks but is purely an administrative service.

Yes, you can invoice foreign customers. Pay2me has both EU invoice and Export invoice (for invoicing outside the EU).

When invoicing another EU country no VAT is charged on the invoice amount, so before invoicing you will need to ask your client for their VAT number to enter in the invoice details when you create your invoice.

You can choose whether to invoice foreign customers in Swedish kronor (SEK) or in Euro (EUR).

Registering and having an account with us is always free. It is only when we make a salary payment to you that we deduct a fee.

When you are self-employed you can invoice without a company and avoid the administration that comes with it. Pay2me is thus an alternative to running your own company. As self-employed with Pay2me you negotiate your own compensation with your clients but invoice through us and receive your compensation paid out as salary instead. Pay2me has F-tax and handles salary payments, tax, social fees etc.

If you want to/should pay lower tax than 30% on your salary you can apply for a tax adjustment with the Swedish Tax Agency. You can read more about tax adjustment and request a decision here: On tax adjustment.

As soon as you have your tax adjustment decision, photograph or scan it and email it to us at [email protected] and we will enter your lower preliminary tax in the system. Without a tax adjustment decision we are unfortunately not allowed by regulations to let our customers set preliminary tax lower than 30%, even if that would have been most convenient.

When you invoice via Pay2me we handle all tax and fees and pay out the compensation to you as salary. From the amount you invoice your client we deduct VAT, social fees and tax, after which we pay out a net salary to you. At the end of the year we send an income statement to the Swedish Tax Agency, which means we ensure everything is handled correctly.

This may be because the email address you entered for your client is wrong, or the email has ended up in their spam folder. Easiest is to go to the Archive menu and select Invoices, where you can choose to download them as PDF or email them again. We recommend that you download them and then send them again from your own email. Also check the email address you entered for the customer under Archive and Clients as the most likely reason your client did not receive the invoice is that the email address is incorrect.

As self-employed with Pay2me we can issue an employer certificate to you, just like any employer. Contact us and we will help you with the certificates you need.

We have invoice templates for most situations and VAT rates you as a self-employed freelancer may need to invoice your clients.

We have templates for:

Standard Invoice with 25% VAT.

ROT/RUT Invoice where we administer ROT/RUT deductions for your clients with the Swedish Tax Agency etc.

EU Invoice for invoicing customers within the EU. Important that you have your client's VAT number available when you issue the invoice.

Export invoice for invoicing customers outside the EU.

Construction invoice with reverse VAT for invoicing business customers in the construction industry.

Care services invoice for care services on your own

Invoice 6% VAT for e.g. personal trainers, yoga instructors or other services that by law should be invoiced at the lower VAT rate

Shared invoice for when you share an assignment or perform services together with another Pay2me employee and the invoice amount is to be split between you

Yes, Pay2me has an invoice template called Shared Invoice. It is under the Invoicing tab. An assignment manager can there choose Shared Invoice to in advance divide the salary payment between two or more performers.

You upload receipts, expenses and travel expenses by photographing them under the "Receipt reporting" tab. As soon as a client pays an invoice to you, regardless of which assignment the payment relates to, your approved expenses are paid back – as long as they are fully covered by the amount paid.

Note however that Pay2me has automated flows for salary runs, which means we do not manually go in and read what you have agreed with the customer to be reimbursed for travel and expenses. To get your expenses reimbursed without deduction for social fees, preliminary tax and VAT you must therefore, even if you have agreed with your client that they will reimburse them, also upload documentation of the expense under "Receipt reporting". Otherwise Pay2me cannot book your expense and reimburse you for it without the statutory taxes.

Receipts/expenses that are approved are always paid out before the remaining amount becomes salary.

Note that all receipts must be manually reviewed and approved before they can be paid out. This is usually quick but can take up to 5 working days. A submitted receipt that has not yet been reviewed will not be paid out if a salary run is made before the expense is approved, but will then be paid out at the next invoice payment and salary run to you.