Insurance for consultants
Documented business insurance with specific annexes for professional liability, technical consultants, contractor liability and pure financial loss.
Read about the insurance
Swedish freelance service
Invoice without a company – fast and easy
For individuals who want to work professionally with clients without running their own company. Invoice through Pay2me and receive your earnings as salary.
Create an account, send invoices and get paid — without a company. We handle taxes, VAT and admin so you can focus on your work.
Thousands of satisfied freelancers
4,7
Reco rating
2018
Pay2me launched
10 000+
freelancers since launch
Simple and secure invoicing – whatever the assignment
From assignment and invoice to insurance, expenses and salary – Pay2me gathers the practical side of your consulting assignment.
Construction invoices and reverse charge
For construction assignments, the invoice can follow the applicable rules, including reverse-charge VAT where relevant.
Shared invoicing
If several of you work on the same assignment, you can send one joint invoice to the client instead of one each. The invoice amount is then split between the Pay2me users who took part in the assignment.
Travel claims, receipts and expenses
Photograph the receipt with your phone and register the expense directly in Pay2me. Expenses are reimbursed before the remaining balance is converted into salary, so you don't have to cover costs for your assignment out of pocket. Expenses are handled against your Pay2me balance and don't need to wait for payment from a specific assignment.
ROT and RUT
When you perform household services, you can invoice with ROT and RUT deductions through Pay2me. We handle the reporting to the Swedish Tax Agency.
Invoice abroad
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.
There are also ready-made invoice templates for different VAT rates, plus support for invoicing in euros and reverse-charge construction VAT where relevant.
Hiring a consultant through Pay2me? Information for clients
Get paid with Swish
Perfect for smaller assignments, ensuring on-the-spot payment, and when you want to avoid waiting for bankgiro or plusgiro.
Fast payment from customer to account
Your customer pays easily with Swish. The money is registered instantly, and the salary payout can proceed without delay.
Security
Documented insurance cover
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.
How invoicing without a company works
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.
Step by step
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.
What does it cost?
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.
Tax, VAT and tax returns
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.
When do you get paid?
You receive your salary the same day your client pays the invoice – no waiting for a monthly payroll run.
New at Pay2me
Frilansportalen – find assignments as an umbrella employee
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.
Fast salary payouts
No waiting, no chasing payments. The same day your client pays, you receive your payslip.
Invoice sent
Create and send in a minute, from your mobile, tablet, or computer.
Client pays
Your client pays the invoice. Pay2me sends your payslip the same day.
Salary to your account
Salary and expenses are paid out to your specified bank account, taxed and ready.
See exactly what you'll receive.
Enter the invoice amount, we show your gross salary immediately. No hidden fees.
50 000SEK
adjust the amount- pay2me fee (3,95 %)
- −1 975 SEK
- Employer social contributions (31,42 %)
- −11 482 SEK
GROSS SALARY
36 543SEK
* At a 30% income tax rate your net salary is 25 580 SEK
Smooth invoicing on mobile
Everything in one place. Create, send, and get paid — from your pocket, anytime.
Skapa konto
Genuine voices, real reviews
Do you have more questions?
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 questionsInvoicing without a company using Pay2me costs nothing in fixed fees. Your Pay2me account is free. The administration fee is charged only when your client pays the invoice, and only on the amount actually paid excluding VAT. If an invoice remains unpaid, no administration fee is charged on the unpaid amount. 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.
Articles & guides
Practical guides for freelancers who invoice without a company.
About Pay2me
About Pay2me
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.