With Overførselsservice, Payfriend can pay Danish DKK bills without MitID per invoice. In Payfriend it is labelled Automatic Payment.
The money is taken on the due date (the next banking day, if due is today or already passed). You can pick a later banking day, up to 150 banking days ahead. The file is sent on weekdays at 13:00.
If your bank has only given Payfriend read access (typically Lunar and several savings banks), this is how you pay from Payfriend.
Before you start
MitID Erhverv to sign the agreement (people authorised on the account)
A Danish account with a registration and account number (not IBAN only)
1. Open Mastercard from Payfriend
Go to Settings → Payments. Open Automatic Payment, and choose Open Mastercard.
Copy the data supplier number: 46176847. That is NextLab, not Payfriend’s CVR.
2. Create a new agreement
You land on overfoerselsservice.mastercard.com.
Choose Create a new agreement, even if you already have one for payroll
Sign in with MitID Erhverv
Fill in the company and the Danish account the money should leave from
Data supplier: No. Choose Other, and enter 46176847
Sign
The bank often approves the same day or the next business day. Mastercard charges a one-off fee (DKK 749) and a monthly subscription. Those are Mastercard’s prices, not Payfriend’s.
The agreement is only ready when the bank has approved and you have activated it in Payfriend.
3. Activate in Payfriend
Return to Settings → Payments.
Choose I have applied
When the bank has approved: check CVR, pick the settlement account, and choose Activate
The Open Banking feed is not the same as Overførselsservice. Status should be Active.
4. Queue a bill
Open Bills. Danish DKK bills to a reg. + account number can be queued, one or several at a time (Pay via Automatic Payment).
When both rails are possible, Payfriend suggests Automatic Payment. You can switch to Open Banking (MitID in the bank) at confirm.
The confirm screen shows From, To and The money is taken. Choose Add to queue. No MitID.
IBAN, foreign currency and payment slips still go via Open Banking.
5. Follow the queue and withdraw
Under Bills → Payment queue (the tab appears when the agreement is active) you see what is already committed to Automatic Payment. The same list sits as Next file under Settings → Payments.
On the bill and in the queue:
Queued: the file has not been sent. Withdraw until cutoff (weekdays at 13:00)
Sent: Mastercard has the file. Cannot be withdrawn here. The money is taken on the disposition date
The bill is not paid just because it is queued or sent. It is paid when the debit lands on the statement.
If a bill has been in a file, it cannot be queued again until the debit is seen, or the bank has rejected it.
Problems?
Symptom | Cause | Fix |
The bank does not approve | The bank’s own check | Contact the bank |
No Danish account to pick | IBAN only, or bank not connected | Connect an account with reg. + account number |
Approved at Mastercard, does not work here | Not activated in Payfriend | Status must be Active |
Withdraw is gone | The file has been sent | Too late. The money goes unless the bank rejects it |
Cannot queue again | It has been in a file | Wait for the debit or a rejection |
An IBAN bill cannot be queued | OS only covers Danish reg. + account in DKK | Pay via Open Banking |
Didn’t find an answer? Message us via in-app chat, or use Contact. We reply on business days.