Connection for Private Payers

Connection via a Private Payment Service Provider

Currently, several Private Payment Service Providers are connected to NemKonto. So your company can contact one of these to get connected to NemKonto via the selected payment service provider.

The connection procedure and prices will be a matter to be decided between your company and the payment service provider. You must therefore contact a Private Payment Service Provider yourself.

Advantages and considerations

Connection model 1 is a simple solution where your company can quickly and easily connect to NemKonto, allowing you to instantly start enjoying the benefits of NemKonto.

Your company pays a Private Payment Service Provider, which will ensure that your payments are provided through the NemKonto system. It is a service between your company and the Private Payment Service Provider.

See an overview of Private Payment Service Providers 

Direct connection

Connection model 2 is very different from connection model 1. The difference is that your company must connect directly to NemKonto.

First, you must decide whether your company should:

• A: be connected directly to the NemKonto system as a Private Payer with only your own payments

or

• B: be connected as a Private Payment Service Provider and besides your own payments also process other companies’ payments. The latter typically includes payroll administration agencies and banks.

Whether you choose model (A) and (B), a direct connection to NemKonto will save you the expense of a Private Payment Service Provider. Model (B) is mainly aimed at large companies.

Support to Private Payers

As a Private Payment Service Provider, you must also organise invoicing and support the Private Payers. Similarly, the Private Payers must be able to handle enquiries from their customers about the company’s use of the NemKonto system.

Prices for connection to the NemKonto system

The following document shows the prices of direct connection to the NemKonto system for Private Payers and the prices of using the system. The prices are also specified in Appendix 1 to the Terms of Connection (pdf).

Price model – NemKonto for Private Payers 2023 (pdf) All prices in the table are exclusive of VAT and valid as of 1 July 2023.

Once NemKonto Support has received the signed Terms of Connection, the Private Payment Service Provider will receive a letter regarding the technical connection.

Example of a letter regarding the technical connection (pdf) (VANS)

Example of a letter regarding the technical connection (pdf) (MQ)

Then, the connection test process will be further specified. A connection script has been prepared that describes the entire process for the connection testing.

Connection test script for NemKonto for Private Payers (pdf)

Once the connection test has been approved, the Private Payment Service Provider will receive the Technical Connection Agreement. This agreement contains information about the technical setup in connection with the use of NemKonto for Private Payers.

Example of a technical connection agreement (pdf) (VANS)

Example of a technical connection agreement (pdf) (MQ)

The technical connection agreement must be signed and returned to NemKonto Support, which will then notify the Private Payment Service Provider about when payment notifications can be sent to the NemKonto system.

If your company wants to be connected directly, you can read more about the connection process for Private Payers here.

See illustration of the connection process (pdf)

Connection package

The connection package consists of a number of process steps that must be taken in order for the Private Payment Service Provider to be connected to the NemKonto system. The first step of being connected to NemKonto for Private Payers is that the Private Payment Service Provider fills out the following request form and submits it to NemKonto Support.

Request form for connection (pdf)

Based on the form, NemKonto Support will return the Terms of Connection. The Terms of Connection are the Danish Agency for Digital Government’s standard terms for Private Payment Service Providers’ connection to and use of NemKonto for Private Payers.

Connection of an extra system

A Private Payment Service Provider may choose to connect several systems to NemKonto for Private Payers. A connection amount per system being connected to NemKonto for Private Payers is charged. This connection price covers the connection test which must be performed for each system being connected.

The connection process for connection of an extra system is described in the following. An illustration of the connection process has been prepared showing the individual steps of the process.

See illustration of connection process for connecting an extra system (pdf)

The first step of connecting an extra system is that the Private Payment Service Provider fills out the following request form and submits it to NemKonto Support.

Request form for connecting an extra system (pdf)

The Private Payment Service Provider has already signed the Terms of Connection and been assigned an NKS agreement number.

NemKonto Support will then send a letter to the Private Payment Service Provider regarding the further connection process. When the connection test has been approved, NemKonto Support will forward a technical connection agreement to be signed by the Private Payment Service Provider. The parties will then agree when the system can go live.

Your company is only allowed to make payments to a NemKonto if you are authorised to process civil registration numbers (CPR) and when you have notified the recipient that you will be making payments to his/her NemKonto. The recipient may notify the Private Payer at any time that he/she no longer wants payments to be made from the company to his/her NemKonto.

If your company is not already allowed to process civil registration numbers (CPR), you are required by law to obtain active consent for processing from the individual customer before you can use NemKonto. Active consent means:

“Your company must make it clear to the individual citizen what they are consenting to and what their consent will be used for. You must also obtain the customers’ permission to collect and register the customer’s civil registration number so that your company can make payments to the customer’s NemKonto”.

No formal requirements apply to how you should obtain the consent. You can also create an electronic function where your customers can accept payments to their NemKonto. However, this must be done via an encrypted connection.

It is also possible to attach a document to your customers where they can sign and give their consent to you processing their civil registration number (CPR) when making payments to their NemKonto.

There are several Private Payment Service Providers that offer services to Private Payers. In the following list, you can see an overview of these Private Payment Service Providers.

All contact must be made directly to the following Private Payment Service Providers – use the links to their websites.

Find the complete list here