Customer Service

An acquirer is a bank or a financial institution. They ensure that money is moved from one account to another. In this case, from your customer's account to your business account. They are also the ones who check with the cardholder's bank whether there is enough money on the card for the purchase, and whether the card is valid.

You, as a store owner, must enter into an agreement with an acquirer (an acquirer agreement) in order to accept payment cards. You can easily apply for the acquirer agreement as soon as you have created a Freepay user.

Which acquirer you should choose depends on many things. Among other things, which types of payment cards you want to support. It is also possible to have more than one acquirer.

Your business number and your NETS industry code can be found on the agreement document you receive from NETS.

Remember, if you want to accept international credit cards, you need to make an agreement with NETS for international payment cards. And the business number you are assigned, you must also remember to enter on your Freepay account

** Note it can take up to 2 days from when you receive your NETS business number until it works in their system **

When you have an online business/webshop, you need a payment gateway to receive payment from your customers. It is similar to when a customer uses their payment card at a card terminal in a physical store. If you have an online business/webshop, you need a place where the customer can securely enter their payment card details, so the money from the customer's purchase can reach you.

Read more here: https://freepay.dk/da/betalingsgateway/hvad-er-en-betalingsgateway

Two-factor authentication is a security system used in connection with online shopping to prevent fraud, it makes it harder for fraudsters to misuse your card details. As the name also indicates, it takes two steps to complete the verification. It can either be by approval via your MitID, or by entering your mobile number where you then receive an SMS code, where you use a password sent to you via SMS.

Read more here: https://www.freepay.dk/da/vidensbank/to-faktor

1. You must register as a user on freepay.dk Go to Freepay.dk and click on the black button in the top right corner (Get Freepay) and follow the registration process. (Then you will receive an email where you must activate your user.)

2. Then you need to set up your account and apply to one of the acquirers we work with. (If you do not have an acquirer agreement in advance, we support Trust Payments, Elavon, NETS, Shift4, and Clearhaus) Read what is an acquirer

SETUP GUIDE:
When you have received your API / communication key or business number from your acquirer, you are almost there and ready to receive payments from your customers. But you need to do the following:
You need to log in to Freepay and here select My Freepay and then Invoice to add a payment card/credit card.

When this is done, select Settings and then select Acquirer. Here you select the acquirer you have made an agreement with, after which you enter the API / communication key or business number you received from your acquirer. Then set the acquirer to Active and
Save changes.

Then select Settings and API keys again. Here you need to add an API key and give it a name (can be your webshop's name). This API key gives access to your webshop/CMS/system. It can communicate with Freepay and is not the same API key that comes from your acquirer. The API key must be entered under settings or via Freepay's plugin on your webshop/CMS/system. Setup of webshop information (Plugins integration) can be found here Freepay Plugins Integration.

You can read more in our getting started guide. Guide.

Need help? Contact our customer service by email: hej@freepay.dk or call us during our opening hours at +45 38 42 40 40.

To sign up for Freepay, click on "GET FREEPAY", then enter your email and click "send". After you have done this, you will receive a confirmation email.

Please note that it may take a few minutes before you receive the email. The email may have ended up in your spam filter.

If you unexpectedly have not received the email after 10 minutes, and it is not in your spam, we encourage you to try again or contact our customer service by email hej@freepay.dk
or call us during our opening hours at 38 42 40 40.

PSP stands for "Payment Service Provider" and is sometimes referred to as a "Merchant Services Provider". In Danish, a PSP is called a payment service provider. Freepay is a payment service provider, as we offer all webshops an easy and secure payment gateway.

Read more here: https://freepay.dk/da/betalingsgateway/hvad-er-en-psp

An acquirer agreement is an agreement between you as a business owner and an acquirer (e.g. Elavon Trust Payments, Clearhaus, Shift4 or NETS). It enables you to accept payment cards in your webshop, and it ensures that you can receive your money when a customer has paid. You need an acquirer agreement to accept payments.

If you do not have an acquirer agreement, you can send an application directly via the Freepay administration and have it processed quickly by the acquirer - so you can get started with your business.

You use two-factor authentication when you pay for something that costs more than 225 DKK/30 euro. For fixed subscriptions/recurring payments, it is only used once when it is set up, it is also used for saved card functions regardless of amount. For security reasons, it is also used for every 5th payment you make.

Your NETS industry code and your business number can be found on the agreement document you receive from NETS.

** Note it can take up to 2 days from when you receive your NETS business number until it works in their system **

You can refund a captured transaction in two ways. It can be done via our API, or you can select the menu item "Payments" in the menu on the left side. Here you can search for the desired transaction, and under actions choose refund.

** Remember your balance at the acquirer must be positive. – If it is negative, you must contact your acquirer and ask how you can transfer an amount to your account. **

You need to log in to your Clearhaus account. Here you go to "settings" and look under "API Keys".

Yes you can. After you are logged in to Freepay, you have a menu item on the left side called "Create new shop".

Navigate between your shops:
When you are logged in, you can easily see which shop you are using in the top right corner. Here you also have the option to switch between the other shops you have created.

With a single click you can switch to another shop without having to log out and in again. This makes it quick and easy for you to navigate between your different shops.

You are invoiced once a month, or when you have reached your credit limit (which is typically 10,000 DKK) whichever comes first.

Two-factor authentication is a law introduced in the E.U., however it also applies to a few countries outside the E.U.

If you wish to close your account and delete your store with Freepay.

You can do it quickly and easily directly from your control panel. Simply follow these three steps:

1: Log in: Go to mit.freepay.dk and log in with your user credentials.
2: Select the "My Freepay" option in the left-hand menu.
3: Click the "My subscription" tab. Here you will find the "Delete my store" button, which you need to press to complete the deletion., which you need to press to complete the deletion.


Please note: When you delete your store, access to your transaction data and settings is removed immediately. Make sure you have exported any necessary reports before confirming the deletion.

Notice of termination: Please be aware that there is a notice period of the current month + 1 month.

Can I restore my account after deletion? Yes, by contacting us.

What happens to my data after deletion?
You will no longer have access to your data. We recommend that you export your transactions as a CSV file.

Do you have further questions? Contact us at hej@freepay.dk.

Yes, you absolutely can. You can for example use Elavon, Trust Payments, Clearhaus, & Shift4 for handling Visa and MasterCard and NETS for handling Dankort.

Read more about how to do it under "How do I add multiple acquirers".

SCA stands for Strong Customer Authentication, and is an EU requirement for online payments. All payments where payment cards are used are covered by SCA, here the customer is introduced to two-factor authentication. This includes two of the three forms of verification from the customer, it can be something the customer knows e.g. a password, something the customer has e.g. a mobile or something the customer is e.g. facial recognition. The two forms of verification used must be independent of each other. SCA is used when setting up a subscription, if you want to save your card details on a site, or you purchase for over 225 DKK/30 euro.

Yes it is possible. The only thing you need to do is register your mobile number here: https://enroll.3dsecure.no/nets-nemid-enroller/EnrollSite

Yes you can, you need to create a password for each card, but you can use the same password. You add one card at a time on Nets.

Yes you can. After you are logged in to Freepay, you have a menu item on the left side called "Users" which is a submenu under "Settings". Here you have the option to add new users to your shop, and you can choose which access level they should have.

It is the card issuer (the bank) that decides which two-factor authentication is to be used in connection with online payment. MitID and SMS + code are the forms of two-factor authentication used by most banks/issuers in Denmark.

No, unfortunately not. MobilePay distinguishes between online commerce and physical commerce, so you will not get a QR code or a MobilePay number that you can use in your physical store or at trade fairs.

If you need MobilePay for both online commerce and physical commerce, you need to make 2 separate agreements with MobilePay.

3D Secure is an extra security measure that ensures it is actually the customer who is the cardholder that is using it. The customer either receives an SMS with a one-time code that must be entered to proceed. Or uses their MitID as security, as well as their username and password. With 3D Secure version 2, the same technology is now used across card brands. This means that both Dankort, Visa and Mastercard use 3D Secure version 2.

If you look up transaction in a dictionary, the word covers a trade or business (Source: Ordnet.dk).

Read more here: https://freepay.dk/da/vidensbank/transaktion

Yes, you can!

It is actually a really good idea to have an alternative payment gateway ready if your primary solution fails. It can quickly cost customers and revenue.

Yes, you can use your existing acquirer agreement with e.g. Elavon, Trust Payments, Clearhaus and Shift4 or NETS at Freepay without any problems. It is easy!

Log in to Freepay.dk with your Freepay user and find the menu item "Acquirers". Here you choose to link an existing agreement or create a new acquirer agreement.
* Remember you must contact your acquirer and inform them that you wish to move over to us.*

** For Shift4 you must send an email to hej@freepay.dk **

*** However, please note that if you have an agreement/subscription with another payment gateway, you must remember to cancel it. ***

Get started easily and quickly with our plugins for:

• Woocommerce/Wordpress
• Magento
• uCommerce/Umbraco
• VirtueMart
• Hikashop
• Prestashop
• Opencart
• nopCommerce
• Shipmondo
• Freepay API

See the complete overview here.

If you are looking for a specific plugin, you are very welcome to make a request by writing to hej@freepay.dk.

You must remember to cancel your agreement/subscription with your current payment gateway. This also applies to MobilePay. There is no reason to pay for something you will not be using going forward.

On the other hand, you should NOT cancel your acquirer agreement with e.g. Elavon, Trust Payments, Clearhaus, Shift4 or NETS. You can continue to use it at Freepay. We make it easy for you.

It depends on which form of two-factor authentication your card issuer (bank) uses, however SMS + code is most commonly used in Denmark if you want to avoid using your MitID. You can choose not to use MitID if you use method 2 when paying online. Here you receive a one-time code via SMS that you must use to complete the purchase, and you must enter a password that you choose yourself. If you have not used this method before, you must use your MitID the first time you use it. If you need to register, you can do so here: https://enroll.3dsecure.no/nets-nemid-enroller/EnrollSite

It is also possible to purchase without MitID if you use MobilePay, Google Pay or Apple Pay.

When you have registered as a user on Freepay and are logged in, you can find the menu item "Acquirers" under "Settings". Here you can add an additional acquirer yourself.

Freepay's payment window automatically determines which of your active acquirers should be used for a payment.

Remember, however, that you must have an acquirer agreement in place.

If you run multiple webshops under the same CVR number, it is in some cases necessary to enter into multiple acquirer agreements.

If your business sells different types of products/goods that do not fall under the same product and industry category, then an acquirer agreement must be made per domain/webshop.
An example of this is a business that under the same CVR number has a webshop selling clothes and a webshop selling travel.

The above does not apply, however, if all webshops fall under the same product and industry category (NACE and industry codes). Then you can get by with making one acquirer agreement that covers multiple domains/webshops.

Example of "same industry": One shop sells shoes and another sells t-shirts.

You can set up an agreement with MobilePay through Freepay.

When you have created an account with us, you need to link an acquirer and a credit card to your account.

Additionally, you need your company's logo in this size: 250x250 px and in png or jpg/jpeg. Max size 2MB.

Yes you can, and it may be necessary if you for example go from being a sole proprietorship to being an ApS or A/S.

Please note that you must contact your acquirers (e.g. Clearhaus and/or Nets) before you change it under your user profile on Freepay.dk.

On My Freepay, select the menu item "Payments" in the menu on the left side.

Below the date picker it says "New payment v". In that dropdown you can choose to see captured payments.

You can refund part of an order without any problems. You can do this on My Freepay.

Log in to My Freepay. Go to payments, switch to captured payments, find the order and click the Refund button. A pop-up window will appear where you can enter the amount you want refunded.

**Remember your balance with your acquirer must be positive. If it is negative, you must contact your acquirer to find out how to transfer an amount to your account.**

No, MobilePay cannot be used without an acquirer. An acquirer is e.g. Shift4. You need an acquirer agreement to be able to accept payment cards. If you do not have an acquirer agreement, you can easily set one up via Freepay.

Read more above under "What is an acquirer?" and "What is an acquirer agreement?"

Oh yes! You can find the complete (and easy) guide to setting up Freepay in Shipmondo here.

The short answer is: YES

Freepay is perfect for your subscription business. With more than 20 years of experience as a payment gateway for subscription businesses, we are experts in handling subscription payments.

You can find technical documentation for subscription setup here. If you have questions, our support is ready to help you.

It depends on your agreement and needs. By default they have weekly payouts.

**In addition, Shift4 only pays out when the balance on your account with them is above 100 EU. **

Answer:
Yes it is.

You can do this on My Freepay.

Log in to My Freepay.
Go to payments, here you can see your transactions that have not been captured.
Click Delete and you delete the transaction (Delete, which is red).

Note that the amount reserved on the customer's bank account may take 1 to 3 business days before the reservation is released.

*Remember your balance with your acquirer must be positive. If it is negative, you must contact your acquirer to find out how to transfer an amount to your account.*

** With purchases via MobilePay it may take a bit longer to refund the amount **

When Clearhaus pays out your money depends on which settlement period is set in your contract.

The most common is weekly settlement, and here payout is every Thursday.

Read more about daily, weekly and monthly settlement at Clearhaus here: When do you pay out my money

Additionally, when you sign up with Clearhaus through us, you are pre-approved. This means you can acquire almost immediately.

There are some limitations on the agreement:
The agreement is only pre-approved until it has gone through Clearhaus' final review.
When you have transactions for approximately DKK 1,500 with them, they typically do the final acceptance, and then payout is activated.

* Note Clearhaus only pays out to a business account / corporate account*
** If you have not received a payout you should contact Clearhaus **

In Freepay's WooCommerce plugin, under "Extra gateway settings" you must check "Capture on complete".

When the order is completed in WooCommerce, the transaction amount will automatically be captured in Freepay.

Every week - usually Wednesday – you will receive a notification about the payments you received the previous week for international card types (Mastercard, Visa, etc.).

The payout to your account takes place on Friday of the same week. Depending on which bank the money is transferred to, it takes up to two banking days before you can see the amount in your account.

Read more at Nets here: When will I receive the money in my account

* If you have not received a payout you should contact NETS *

Once you have created an account with us, you need to link an acquirer and a credit card to your account.
And you will need your company's logo in this size: 250x250 px in png or jpg/jpeg. Max size 2MB.

1: Login to My Freepay (freepay.dk)
2: Go to settings, where you will find acquirer
3: Under Wallets click edit next to MobilePay, upload your logo and activate it.

Furthermore, you don't need to do anything else. Once you have activated MobilePay with us, it will automatically appear as a payment option for your customers in the payment window.

The vast majority of contracts with your acquirer contain a turnover limit.

This turnover limit can be e.g. 50,000 DKK over 30 days.

This does not mean that your customers cannot place an order if you suddenly reach 50,000 DKK in turnover in under 30 days, but it means that you cannot capture the money until your acquirer raises your turnover limit, or you are again below 50,000 DKK over 30 days.

This is purely for security reasons, so we minimize the risk of fraud - for both you as a webshop owner, and us as an acquirer.

To raise your turnover limit, you must contact your acquirer:
Clearhaus
NETS
Trust Payments
Shift4
Elavon

To obtain an acquirer agreement, your webshop must meet the following requirements - the following information and elements must be clearly visible to the customer:

Company terms and conditions Your customers must actively accept your company/webshop's terms and conditions before the purchase can be completed. This must include a link to the terms and conditions.
Draft Terms and Conditions

Company subscription terms The same applies if your company/webshop sells subscription-based services or products. Subscription terms for products/services must be actively accepted by the customer before payment. The customer must also be able to see a link to the terms and conditions.

Easy access to terms and conditions etc. The customer must have easy access to your company or webshop's delivery terms, right of withdrawal and return policy.

Product descriptor The name of the product descriptor, which will appear on the customer's bank statement. This is important to be aware of if your webshop has a different name than your company (i.e., if the descriptor differs from the webshop's domain).

Customer service/support Easily accessible information about customer service or support, both email and phone number.

Personal data/privacy policy Customers must have easy access to personal data/privacy policy.

Products/services An accurate description of your products/services, including prices and fees.

Contact and company information/CVR number.

Company's physical location at the time of payment.

Visible payment card logos If you offer payment with Visa, Mastercard, Dankort, MobilePay, Google Pay and/or Apple Pay, the logos must be visible on your webshop. They are most often displayed at minimum at the bottom of the webshop.

More information about starting a webshop

*NOTE* If your website or webshop is not finished, the acquirer must have access to it via a test link or login in order to process your application.

Once you have created an account with us, you need to link an acquirer to your account.

1: Login to My Freepay (freepay.dk)
2: Go to settings, where you will find acquirer
3: Under Wallets click edit next to Apple Pay, and activate it.

It is now available on your payment window.

How Apple Pay works.
Apple Pay only works on Apple hardware (iPhone, iPad or Mac.) and only via the Safari browser. It further requires that the end user has set up their payment card on one of the devices.

It depends on what form of two-factor authentication your card issuer (bank) uses, however SMS + code is most commonly used in Denmark if you want to avoid using your MitID .

You can therefore avoid using MitID , if you use method 2 when paying online. Here you receive a one-time code via SMS, which you need to complete the purchase, and you must enter a password that you choose yourself.

If you have not used this method before, you need to use your MitID the first time you use it. If you need to register, you can do so here: https://enroll.3dsecure.no/nets-MitID -enroller/EnrollSite

It is also possible to purchase without MitID , if you use MobilePay, Google Pay or Apple Pay.

There is another way to pay. This is where you receive a one-time code, which must be entered to proceed.

Here you avoid using your MitID , unless it is the first time you use this method.

Then it requires you to use your MitID to create a code, however MitID only needs to be used this one time.

Read more here: https://www.freepay.dk/da/vidensbank/to-faktor

Once you have created an account with us, you need to link an acquirer to your account. Then you can link Google Pay to your account and receive payments.

1: Login to My Freepay (freepay.dk)
2: Go to settings, where you will find acquirer
3: Under Wallets click edit next to Google Pay, and activate it. It is now available on your payment window.

It is now available on your payment window.

You can set up an agreement with Google Pay through Freepay. Once you have created an account with us, you need to link an acquirer to your account. Then you can link Google Pay to your account and receive payments.

Yes, you can get Freepay in Danish, German, Swedish, Romanian and English. You can find it under "settings" in the Freepay plugin on your webshop.

If you want other languages, please contact us at hej@freepay.dk or phone 38 42 40 40.

Clearhaus can pay out in DKK, EUR, SEK, NOK, GBP and USD. They can only pay out in one currency per account (API key).

If payouts in multiple currencies are needed, sub-accounts can be created under the same application, but with different API keys.

You can refund an order without any issues. You can do this in My Freepay.

Log in to My Freepay. Go to Payments, switch to Captured Payments, find the order and click the Refund button.

A pop-up window will appear where you can specify the amount to be refunded.

**Remember the balance with your acquirer must be in the positive. – If it is in the negative, you must contact your acquirer and ask how you can transfer an amount to your account. **

You can delete an order without any issues. You can do this in My Freepay.

Log in to My Freepay. Go to Payments in the menu on the right side, find the order you wish to delete, and click the Delete button. A pop-up window will appear asking if you are sure.
Click Yes here.

** We recommend that the deletion is done via your webshop **

You can set up an agreement with Apple Pay through Freepay. Once you have created an account with us, you need to link an acquirer to your account. Then you can link Apple Pay to your account and receive payments.

How Apple Pay works. Apple Pay only works on Apple hardware (iPhone, iPad or Mac.) and only via the Safari browser. It further requires that the end user has set up their payment card on one of the devices.

Change of logo on Mobilepay

1: Log in to My Freepay (freepay.dk)
2: Go to Settings, where you find the acquirer section
3: Under Wallets click Edit next to MobilePay
At the bottom there is a trash can icon that deletes your old logo, and then a new logo can be uploaded.

*Remember the size of your logo must be 250x250 px and in png or jpg/jpeg format. Max size 2MB.*

You can change the bank account to which you receive your payouts by contacting your acquirer.

Clearhaus: Clearhaus (Contact their support)

NETS: Form for changing account number (nets.eu)

Trust Payments: Submit a request - Trust Payments

Shift4: Inform Freepay and send documentation, and a screenshot of the new account or bank documentation - then we will update your new bank details within 1-2 business days.

Elavon: Inform Freepay and send documentation, and a screenshot of the new account or bank documentation - then we will update your new bank details within 1-2 business days.

Remember the following information:
Company name
Customer number
CVR
Information about bank name, IBAN and SWIFT (BIC)

The above applies to both your previous and your new bank.
You must provide proof that you/the company owns the new bank account. (Attach a screenshot or bank statement as documentation for the new bank account.)

Remember also to change your credit card / payment card linked to your Freepay account, if it is also being changed in connection with the bank switch.

Log in to MyFreepay.dk and select Invoice to add the new payment card.

It is a good idea to have at least two payment cards linked, so that your webshop never stops working. Then you can always receive payment from your customers.

When you receive an order in your webshop, the amount is automatically reserved on the customer's card.
To withdraw the money from the customer's card, you need to perform a capture.

You do this in your shop module or at your gateway. You must not perform a capture before you have shipped the order.

If you do not wish to capture the full order amount, but only a part of it, e.g. for a partial delivery of an order, you can in WooCommerce go to the order. On the right side you see the box "FreePay Payment".

Here you have several options. "Capture the full amount", "Capture a specific amount" and "Cancel". In the text box under "Capture amount" you enter the amount you wish to capture, and click on "Capture a specific amount".

The desired amount will then be captured, and you will later have the option to capture the remainder.

Error codes / Error codes:
Read more here : Freepay Error Codes / Error Codes

Freepay gives you the opportunity to test your environment before going live.

Remember to enable Freepay's test acquirer. Log in to My Freepay.dk and select settings, then select acquirer.

Now select Test Acquirer (Edit) and click the activate button. You are now in test mode. See our test guide to proceed. Link to Freepay's test guide. If you are using a plug-in, test mode must be enabled in the plug-in.

When you are done testing, remember to disable the test acquirer. Log in to My Freepay.dk and select settings, then select acquirer. Now select Test Acquirer (Edit) and click the deactivate button.

NOTE! This is for testing only. You will not receive payments for transactions completed with this acquirer, and the test acquirer should only be active when you are testing.

* MobilePay is not free in test mode. *

** In some CMS/Webshop systems, the test environment/test mode must also be toggled on and off.
For example in WooCommerce "Test mode" off in our plugin "FreePay for WooCommerce". There is a setting called "Enable test mode". The checkbox must be removed and settings saved. **

*** If you want to test with a small amount outside our test module, the amount must be over 1 DKK. The reason is that many banks reject amounts of 1 DKK or less. ***

If a change of ownership/acquisition of a company is made.
A new acquiring agreement will in most cases need to be set up.

Please contact your current acquirer regarding the further process.
** Trust Payments, Elavon and Shift4 must contact us **

You can create an agreement with AnyDay via their website https://da.anyday.io/webshop.

Once you have created an account with us, you need to connect an acquirer to your account. You can then connect AnyDay to your account and receive payments.

** To use AnyDay your transactions must be over 300 DKK and your product range must comply with AnyDay's compliance policies. For further specifications, see https://www.anyday.io/terms-conditions/shopper Term & Conditions for users. **

An API key (Application Programming Interface) is a personal code that can be used to make two software programs "talk" to each other and perform various actions in each other's systems. And in this case Freepay and your system.

Yes, Surcharge works with all the acquirers we support.
Shift4, Trust Payments, Elavon, Clearhaus & NETS.

Reasons why businesses with B2B customers should use Surcharge

Cost neutralisation: Covers card processing costs without adjusting general list prices.

Margin protection: Secures earnings on transactions made with credit cards

.Market positioning: Enables retaining customers who wish to pay with a corporate credit card.

Log in to My Freepay.dk and under Settings / API Keys add an API Key. Copy it and paste it into your system / Webshop.

It depends on the type of business.
For online retail, typically once a week, unless otherwise agreed.
For subscriptions it will be daily with a 3-day delay.
For POS merchants with low risk, however, it can be daily payouts.

Their Underwriting determines it on a case-by-case basis based on risk assessment of the customer.
* If you have not received a withdrawal / payout you must contact Trust Payments *
** In addition, Trust Payments only pays out when the balance on your account with them is above 26 EU. **
Read more here Acquiring Statement

If you no longer wish to use MobilePay you must deactivate it.

Cancellation of MobilePay
1: Log in to My Freepay (freepay.dk)
2: Go to Settings, where you find the acquirer section
3: Click on MobilePay / Edit
4: Under MobilePay click on the red button (Cancel MobilePay)

Achieve higher credibility and more completed purchases with the company logo in the payment window. The logo will be visible in the upper left corner of the payment window, on desktop, tablet and mobile.

1: Log in to My Freepay.dk and select Settings, then select Company Information.
2: Drag'n Drop your logo. (Available file types: png / jpg / jpeg and Max. 2MB). And Save.

Shift4 supports:

DKK. Danish Kr.
NOK. Norwegian Kr.
SEK - Swedish Kr.

EU - Euro
GBP. Great Britain.
USD. US Dollar

CAD.CanadianDollar.
CHF - Swiss Franc.
JPY - Japanese Yen.

AUD - AustralianDollar.
HKD - Hong KongDollar.
NZD - New ZealandDollar.

PLN Polish Zlotych.
ZAR - South African Rand.

Yes. Shift4 supports business accounts from Payoneer and Revolut.

Once you have created an account with us, you need to connect an acquirer to your account. You can then connect AnyDay to your account and receive payments.

1: Log in to My Freepay (freepay.dk)
2: Go to Settings, where you find the acquirer section
3: Under Wallets click Edit next to AnyDay, and activate it by entering the Apikey and privatkey received from AnyDay.
4: Remember to click Save.

It is now available in your payment window.

* Requires that you have created an account with AnyDay *
** To use AnyDay your transactions must be over 300 DKK and your product range must comply with AnyDay's compliance policies. **

It happens automatically

Also read Welcome to Trust Payments

Cancellation:
You can cancel your MobilePay subscription at any time.
You always pay for the current period of 30 days from the cancellation date

If you wish to cancel Mobilepay, you must do the following.
1: Log in to My Freepay (freepay.dk)
2: Go to Settings, where you find the acquirer section..
3: Under Wallets click Edit next to MobilePay.
4: Under MobilePay click the red button (Cancel MobilePay)

If you wish to cancel Google Pay, you must do the following.

1: Log in to My Freepay (freepay.dk)
2: Go to Settings, where you find the acquirer section
3: Under Wallets click Edit next to Google Pay / Click on Deactivated.

If you have received a new credit card / payment card, remember to update it in My Freepay.

Log in to Freepay.dk and select My Freepay and then Invoice to add a payment card.

It is a good idea to have a minimum of two payment cards linked, so that your webshop never stops working. This way you can always receive payment from your customers.

We have prepared a draft of terms of trade that you can use on your webshop.
The terms of trade can be downloaded here:

Also read Starting a webshop

** Freepay cannot be held liable for the use of the above Terms of Trade. **

If you wish to cancel Apple Pay, you must do the following.

1: Log in to My Freepay (freepay.dk)
2: Go to Settings, where you find the acquirer section
3: Under Wallets click Edit next to Apple Pay / Click on Deactivated.

3D Secure Fee.

No fee is charged for test payments (when test-mode / test-mode is enabled in the plugin settings). No 3D Secure lookups are performed here.

There will be a fee associated with 3D Secure lookups, regardless of whether the transaction is approved or declined.

When we receive card data from your customers, an external service is typically used to check whether the customer needs to be forwarded to 3D Secure. That service costs money, and it is that cost the fee helps to cover. (Some acquirers charge this fee themselves)

Following 3D Secure, it may happen that the acquirer or bank declines the transaction, if for example there are no funds on the card.

If you wish to use our Secure Payment logo, you can download it here:
Secure Payment Freepay Logo

Here is how to do it:

1: Log in to My Freepay (freepay.dk).
2: Go to Settings, where you find the acquirer section.
3: Under the acquirer, click Edit on NETS, and here you enter the merchant number you have received from Forbrugsforeningen.
(You must overwrite the existing one you received from NETS) – (The top merchant number).

At the link below you can find the most well-known payment icons, e.g. VISA and Mastercard.

Link

An AML policy (Anti-Money Laundering policy) is a strategy and a set of procedures that financial institutions and other businesses implement to prevent, detect and report money laundering. The purpose of an AML policy is to ensure that the company complies with the relevant laws and regulations regarding combating money laundering.

A typical AML policy will include the following elements:

1: Risk-based approach: Assessment of the risk of money laundering and terrorist financing based on customer type, geographical location, products and services.

2: Know Your Customer (KYC): Procedures for identifying and verifying customers' identity, including collection of identification documents and other relevant information.

3: Transaction monitoring: Implementation of systems and processes to monitor customers' transactions for suspicious activities that may indicate money laundering or terrorist financing.

4: Reporting of suspicious activities: Procedures for reporting suspicious transactions to the relevant authorities, often called Suspicious Activity Reports (SARs).

5: Internal control and audit: Regular review and audit of AML policies and procedures to ensure that they are effective and comply with legislation.

6: Education and training: Regular training of employees in recognizing and handling risks of money laundering and terrorist financing.

7: Documentation and retention: Preservation of relevant documents and information for a specific period in accordance with legislation.

An effective AML policy helps protect the company from being exploited for money laundering and financing of terrorism, while also ensuring that the company maintains its integrity and complies with legislation.

Yes, that input field will also be visible in production if the customer's email address is not sent to us in the CustomerEmail parameter when the payment link is created. It is a requirement from Visa / MasterCard, and must be used in connection with 3D-secure.

This is done by sending an email to: hej@freepay.dK with answers to the following questions:

Email subject – (Create user / Shift4 – Insights)

Merchant (Company name) (Mandatory)
First name (mandatory)
Last name (mandatory)
Job title (mandatory)
Email address (mandatory)
Phone (optional)
Mobile (mandatory)

Also specify which of the following permissions/functions the users should have:

Admin - Users have visibility across all sections of the Insights portal. Administrator users also have permissions to any functionality you specify for them (i.e. referral and chargeback management). The Admin profile can only be selected as a single profile, but other profiles can be combined. This user can also see the connection information.

Reconciliation - These users are only permitted to access the Statements section of the portal. They can view and download the statements accordingly.

Processing - These users have access to the Processing Activity section to search and view transactions on their account. Additionally, they can be configured with the referral transaction functionality to allow these users to perform referral transactions (Refund, Void, Capture) from the Processing Activity screen on the Merchant module.

Chargeback - These users only have access to the Chargebacks section. They can search and view chargebacks and follow up on the status of the representment and dispute. Additionally, configuring the chargeback management functionality enables users to perform chargeback management actions, such as accepting and representing chargeback cases.

Change logo on MobilePay.

1: Log in to My Freepay (freepay.dk)
2: Go to Settings, where you find the acquirer section
3: Under Wallets click Edit next to MobilePay, and here you need to delete the old logo and then upload a new one.

(Size: 250x250 px and in the format png or jpg/jpeg. Max size 2MB.).

To get access to your Clearhaus account, we need the following to create you as a user.

First name:
Last name:
Company name:
CVR number:
Website address:
Email address:

* The above must be the same as was used to create your Freepay account *.

Information should be sent to hej@freepay.dk (Email subject: Create user for my Clearhaus account).

APPLICATION FOR AN ACQUIRER
Here is how to get started with an application: Log in to My Freepay (www.freepay.dk).

Go to Settings, where you find the Acquirer section.

Click Edit on the acquirer you wish to use. Here you will find the application for them.

For assistance contact our customer service by email: hej@freepay.dk or call us during our opening hours on +45 38 42 40 40.

Yes, you can. You must contact your acquirer and inform them that you wish to move over to us.

** For Shift4 you should send an email to hej@freepay.dk**

Log in to Freepay.dk and under Settings click on my User.
Under User you can change your user settings.

FREEPAY INTEGRATIONS

There are several options when you want to integrate Freepay into your system. We have modules for the most popular webshop platforms and also offer a thoroughly documented API solution for those who wish to create their own integration. Here you can see some of the webshop platforms that Freepay supports:
Integration of payment solution | Freepay

If you are missing an integration for your webshop that is not on the list, you are welcome to contact us and have a chat about the options for integrating Freepay into your system.

For assistance contact our customer service by email: hej@freepay.dk or call us during our opening hours on +45 38 42 40 40.

Yes. Trust Payments supports business accounts from Revolut.

Anti-Money Laundering (AML) Policy:

We have prepared a draft Anti-Money Laundering (AML) Policy that you can use on your webshop.
The Anti-Money Laundering (AML) Policy can be downloaded here:

It happens automatically.

* Note that it can take up to 48 hours from when the contract with Shift4 is issued and the acquiring agreement is live, until it works in their system *

Oh yes!

Log in to My Freepay.dk
Then select Settings and API Keys.
Here you need to add an API key and give it a name (e.g. Storebuddy API) and then copy the API key into Storebuddy.

You can find the complete (and easy) guide to setting up Freepay in Storebuddy Here.

You can set up an agreement with ViaBill through us.

Once you have created an account with us, you need to attach an acquirer to your account.
You can then attach ViaBill to your payment gateway and start receiving payments.

Shift4's status page offers both real­time monitoring
Shift4 Status Page

You do this by going to Freepay.dk

In the menu on the left side you find Settings.
Under Settings you need to click on Company Information.

Log in to Freepay.dk

In the menu on the left side you find Settings.
Under Settings you need to click on Users.

In the top right corner click the Add User button, then enter the new user's email address and assign the role the user should have (Admin or User).

Finally click the Send button. The user will then receive an email where they need to activate their account.

Elavon's status page offers both real­time monitoring

Elavon Status Page

Trust Payments's status page offers both real­time monitoring

Trust Payments Status Page

Add and remove email address for receiving invoices

Add:
1: Log in to My Freepay (freepay.dk)
2: Go to Invoice - and here you can add the email address you wish to use. If you have multiple shops, this must be done for each individual shop/account.

Remove:
1: Log in to My Freepay (freepay.dk)
2: Go to Invoice - find and select the email address you wish to delete and click the red trash can

Log in to Freepay.dk
On the right side you find My Freepay and then click on Invoice. Here you will find an overview of the invoices we have sent to you.

Clearhaus's status page offers both real­time monitoring

Clearhaus Status Page

It depends on your agreement and needs. By default they have weekly payouts.
**Additionally, Elavon only pays out once the balance on your account with them exceeds 100 EUR. **

If your webshop is hosted at one.com, you may experience callback errors.

There is a setting in their "Spam Protection" that blocks the callback, which needs to be disabled. See here how

1: Log in to My Freepay.dk and select Settings, then select Company Information.
2: Below your logo you will see a trash can icon which you can use to delete your logo. Then upload a new one. Remember to save it.

Yes, you can.

1: Log in to freepay.dk
2: Click Create new shop in the left menu.
3: Here the new user must be specified (if there is no new user, the external user's information should be entered) and the shop / website registered. Once this is done, you can see the new shop / website next to your login name.

You can switch between the different shops / websites without having to log out and back in.

Log in to Freepay.dk and go to settings, then go to users.

Here you see an overview of the users associated with your account, and a selected user can be deleted by clicking the trash icon.

See our setup guide here:

Read more about Legislation for Online Sales of Alcohol and Tobacco.

Once you have created an account with us, you need to attach an acquirer to your account. You can then attach ViaBill to your account and start receiving payments.

1: Log in to My Freepay (freepay.dk)
2: Go to Settings, where you will find the acquirer section
3: Under Wallets, click Edit next to ViaBill and activate it. It is now available in your payment window.

It is now available in your payment window.

* Requires that you have created an account with ViaBill *

How do you fix a 403 Forbidden Error in WooCommerce?

A "403 Forbidden Error" means the server is refusing to grant access to a specific page or resource. This can be caused by a number of reasons, such as incorrect file permission configuration, plugins, or server settings. Here are some steps you can follow to resolve the issue:

Check file and folder permissions Incorrect file and folder permissions can lead to a 403 error. Follow these steps:
1: File permissions: Make sure PHP files have permission 644.
2: Folder permissions: Folders should have permission 755.
3: Use an FTP program such as FileZilla or your hosting provider's control panel to adjust permissions.

Temporarily disable plugins:
The error may be caused by a conflict with a plugin.
1: Go to wp-content/plugins via FTP or your hosting provider's file manager.
2: Rename the plugins folder to e.g. plugins_old to disable all plugins.
3: Check whether the error disappears.
4: Enable plugins one at a time to find the culprit.

Check the .htaccess file:
Errors in the .htaccess file can cause a 403 error.
1: Download a copy of the .htaccess file as a backup.
2: Delete the file from the root directory.
3: Log in to the WordPress dashboard, go to Settings > Permalinks, and click "Save Changes" to generate a new .htaccess file.

Check server security settings:
Sometimes the server's security settings block WooCommerce files:
1: Contact your hosting provider to ensure there are no firewall or mod_security rules blocking WooCommerce.
2: Ask them to check server logs to find out why access was denied.

Clear cache:
If you use a caching plugin or a CDN (such as Cloudflare), clear the cache:
1: Log in to your caching plugin or CDN dashboard and clear the cache.
2: Temporarily disable your CDN to see if the error disappears.

Update WordPress, theme and plugins:
Make sure your WordPress core, theme, and plugins are up to date. Incompatible versions can cause errors.

Check user permissions:
Go to Users in the WordPress dashboard and check that your user role (e.g. Administrator) has the correct permissions. Errors in user permissions can lead to restricted access.

Restore backups:
If none of the above solutions work, you may consider restoring a previous backup where everything was working correctly.

If the problem is still not resolved, it is recommended to contact your hosting provider or the WooCommerce support team for further assistance.

It happens automatically.

* Note it can take up to 48 hours from when the contract with Shift4 is issued until the acquiring agreement is live, for it to work in their system *

Yes, we do!
You can activate Freepay Pay By Link once you have created a Freepay account.
You can easily do this here: Create an account with Freepay.

Once your account is created, you can follow our Getting Started guide for Pay By Link:
Download the guide here.

How do I activate surcharge?

Follow these four simple steps to get started:
1: Log in to your Freepay account. Go to the login page and enter your credentials to access the control panel.

2: Find the Surcharge menu. Navigate to the Settings menu on the left side. Here you will find the Surcharge item, which you need to click.

3: Set the VAT rate. To ensure surcharge is calculated correctly in accordance with Danish law, make sure the VAT rate field is set to 25% for Denmark.

4: Configure your acquirer and prices. In the next step, select your specific acquirer (e.g. Clearhaus or Elavon). Here you must enter the percentage rate, authorisation fee and minimum transaction as stated in your contract with the acquirer (only International cards & Business cards can be surcharged). This is the rate the system uses to calculate the fee for the customer.

Authorisation fee:
Trust Payments = 0.80 DKK
Shift4 = 0.80 DKK
Clearhaus = 0.30 DKK
NETS = 0.54 DKK
Elavon = 0.80 DKK

Min. transaction = 0.60 DKK

Important to know about surcharge:
Contract rates: It is important that the percentages you enter match your physical contract with the acquirer to avoid discrepancies in settlement.

Surcharge rules: Please be aware that there are legal restrictions on which card types may be surcharged (you may not impose a fee on private payment cards issued within DK/EU/EEA).