{"id":21030,"date":"2023-09-28T12:07:34","date_gmt":"2023-09-28T12:07:34","guid":{"rendered":"https:\/\/sierra.keydesign.xyz\/digital-product\/?page_id=21030"},"modified":"2025-10-29T22:05:21","modified_gmt":"2025-10-29T21:05:21","slug":"faq","status":"publish","type":"page","link":"https:\/\/old.utbetalning.com\/en\/faq\/","title":{"rendered":"FAQ"},"content":{"rendered":"<div data-elementor-type=\"wp-page\" data-elementor-id=\"21030\" class=\"elementor elementor-21030\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d4ec147 e-flex e-con-boxed e-con e-parent\" data-id=\"d4ec147\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-8f3e369 e-con-full e-flex e-con e-child\" data-id=\"8f3e369\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-336404d animated-fast elementor-invisible elementor-widget elementor-widget-elementskit-heading\" data-id=\"336404d\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;css&quot;,&quot;_animation&quot;:&quot;fadeIn&quot;,&quot;_animation_delay&quot;:100}\" data-widget_type=\"elementskit-heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" ><div class=\"ekit-heading elementskit-section-title-wraper text_left   ekit_heading_tablet-   ekit_heading_mobile-\"><h1 class=\"ekit-heading--title elementskit-section-title\">FAQ<\/h1>\t\t\t\t<div class='ekit-heading__description'>\n\t\t\t\t\t<p>If you can't find your question below, feel free to <strong>chat with us<\/strong> (daily from 9 AM to 11 PM) or call us at <a href=\"tel:+46104300131\">010-430 01 31<\/a> (weekdays from 9 AM to 5 PM). You\u2019ll usually receive a response within just a few minutes.<\/p>\n\t\t\t\t<\/div>\n\t\t\t<\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-e2e2f17 e-flex e-con-boxed e-con e-parent\" data-id=\"e2e2f17\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;animation&quot;:&quot;none&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-5e5635a e-con-full elementor-hidden-tablet elementor-hidden-mobile e-flex e-con e-child\" data-id=\"5e5635a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-95bc605 e-con-full ekit-sticky--top e-flex e-con e-child\" data-id=\"95bc605\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;ekit_sticky&quot;:&quot;top&quot;,&quot;ekit_sticky_offset&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:175,&quot;sizes&quot;:[]},&quot;ekit_sticky_until&quot;:&quot;section3&quot;,&quot;ekit_sticky_offset_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;ekit_sticky_offset_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;ekit_sticky_on_desktop&quot;:&quot;desktop&quot;,&quot;ekit_sticky_effect_offset&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:0,&quot;sizes&quot;:[]},&quot;ekit_sticky_effect_offset_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;ekit_sticky_effect_offset_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c5fc641 sticky-navigation animated-fast elementor-hidden-tablet elementor-hidden-mobile elementor-invisible elementor-widget elementor-widget-elementskit-stylish-list\" data-id=\"c5fc641\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;,&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"elementskit-stylish-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"ekit-wid-con\">\t\t<ul class=\"ekit-stylish-list\" >\n\t\t\t\t\t\t\t<li class=\"ekit-stylish-list-content-wrapper elementor-repeater-item-dbd1c0d\" >\n\t\t\t\t\t\t\t\t\t\t\t<a class=\"ekit-wrapper-link\" href=\"#section1\"><\/a>\n\t\t\t\t\t\t\t\t\t\t<div class=\"ekit-stylish-list-content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"ekit-stylish-list-content-text\">\n\t\t\t\t\t\t\t<span class=\"ekit-stylish-list-content-title\">Individuals<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\n\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t<li class=\"ekit-stylish-list-content-wrapper elementor-repeater-item-54477fc\" >\n\t\t\t\t\t\t\t\t\t\t\t<a class=\"ekit-wrapper-link\" href=\"#section2\"><\/a>\n\t\t\t\t\t\t\t\t\t\t<div class=\"ekit-stylish-list-content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"ekit-stylish-list-content-text\">\n\t\t\t\t\t\t\t<span class=\"ekit-stylish-list-content-title\">Companies<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\n\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<\/ul>\n\t<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-aed599f e-con-full e-flex e-con e-child\" data-id=\"aed599f\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-d8980d6 e-con-full sticky-section e-flex e-con e-child\" data-id=\"d8980d6\" data-element_type=\"container\" data-e-type=\"container\" id=\"section1\">\n\t\t<div class=\"elementor-element elementor-element-7fe6fc1 e-con-full e-flex e-con e-child\" data-id=\"7fe6fc1\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-cfd75ed animated-fast elementor-invisible elementor-widget elementor-widget-elementskit-heading\" data-id=\"cfd75ed\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;,&quot;_animation_delay&quot;:100,&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"elementskit-heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" ><div class=\"ekit-heading elementskit-section-title-wraper text_left   ekit_heading_tablet-   ekit_heading_mobile-\"><h3 class=\"ekit-heading--title elementskit-section-title\">Individual:<\/h3>\t\t\t\t<div class='ekit-heading__description'>\n\t\t\t\t\t<p>Here you will find answers to common questions that concern private individuals who use our service.<\/p>\n\t\t\t\t<\/div>\n\t\t\t<\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-c60d44e e-con-full e-flex e-con e-child\" data-id=\"c60d44e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-03470c1 animated-fast elementor-invisible elementor-widget elementor-widget-elementskit-accordion\" data-id=\"03470c1\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;,&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"elementskit-accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" >\n        <div class=\"elementskit-accordion accoedion-primary\" id=\"accordion-6a15d35d11fcf\">\n\n            \n                <div class=\"elementskit-card\">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-0-03470c1\">\n                        <a href=\"#collapse-c66316c6a15d35d11fcf\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-c66316c6a15d35d11fcf\" aria-expanded=\"false\" aria-controls=\"Collapse-c66316c6a15d35d11fcf\">\n                            \n                            <span class=\"ekit-accordion-title\">1. What is self-employment?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-chevron-right\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-cross\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-c66316c6a15d35d11fcf\" class=\"collapse\" aria-labelledby=\"primaryHeading-0-03470c1\" data-parent=\"#accordion-6a15d35d11fcf\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>Self-employment means that you can invoice for work without starting or having your own company. You will be temporarily employed by Utbetalning Sverige AB and we will handle taxes, fees and administration. You can focus on doing your job while we take care of the administrative work that normally falls to an entrepreneur\/employer.<\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card\">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-1-03470c1\">\n                        <a href=\"#collapse-57d58096a15d35d11fcf\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-57d58096a15d35d11fcf\" aria-expanded=\"false\" aria-controls=\"Collapse-57d58096a15d35d11fcf\">\n                            \n                            <span class=\"ekit-accordion-title\">2. How does self-employment work in practice?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-chevron-right\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-cross\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-57d58096a15d35d11fcf\" class=\"collapse\" aria-labelledby=\"primaryHeading-1-03470c1\" data-parent=\"#accordion-6a15d35d11fcf\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <ol><li>You perform an assignment for a customer and send an invoice from Utbetalning.com<\/li><li>When the invoice is paid, you will receive your salary on the same day.<\/li><\/ol><p>We handle all the related administration and pay taxes and social security contributions for you. You can sit back and see this automatically on next year's tax return.<\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card\">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-2-03470c1\">\n                        <a href=\"#collapse-6e220c46a15d35d11fcf\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-6e220c46a15d35d11fcf\" aria-expanded=\"false\" aria-controls=\"Collapse-6e220c46a15d35d11fcf\">\n                            \n                            <span class=\"ekit-accordion-title\">3. How much does it cost to be self-employed?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-chevron-right\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-cross\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-6e220c46a15d35d11fcf\" class=\"collapse\" aria-labelledby=\"primaryHeading-2-03470c1\" data-parent=\"#accordion-6a15d35d11fcf\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>Utbetalning.com only charges a fee of 1.95% - which is the lowest in Sweden. This is what it costs you to be self-employed.<\/p><p>Through Utbetalning.com you will receive 52.23% of the invoice value in net salary (after statutory taxes and fees) to your bank account.<\/p><p>In your own limited company, your net salary would have been 53.26%, but then you can expect at least SEK 20-30,000 per year in costs for banking, insurance, accounting and tax returns\/annual accounts.<\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card\">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-3-03470c1\">\n                        <a href=\"#collapse-acd187a6a15d35d11fcf\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-acd187a6a15d35d11fcf\" aria-expanded=\"false\" aria-controls=\"Collapse-acd187a6a15d35d11fcf\">\n                            \n                            <span class=\"ekit-accordion-title\">4. Do I need to have an F-tax slip to use your service?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-chevron-right\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-cross\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-acd187a6a15d35d11fcf\" class=\"collapse\" aria-labelledby=\"primaryHeading-3-03470c1\" data-parent=\"#accordion-6a15d35d11fcf\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>No, as a self-employed person you do not need an F-tax slip. Utbetalning Sverige AB will take care of the tax payments on your behalf. You will receive your salary as if you were employed, with all taxes and fees already deducted.<\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card\">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-4-03470c1\">\n                        <a href=\"#collapse-1c94da26a15d35d11fcf\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-1c94da26a15d35d11fcf\" aria-expanded=\"false\" aria-controls=\"Collapse-1c94da26a15d35d11fcf\">\n                            \n                            <span class=\"ekit-accordion-title\">5. What insurance do I have when I am self-employed?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-chevron-right\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-cross\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-1c94da26a15d35d11fcf\" class=\"collapse\" aria-labelledby=\"primaryHeading-4-03470c1\" data-parent=\"#accordion-6a15d35d11fcf\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>The self-employed individual is solely responsible for the assignments they undertake. Utbetalning Sverige AB cannot be held financially liable but provides comprehensive insurance coverage in accordance with current industry standards. As a self-employed contractor, you have access to this insurance protection.<\/p><p>- See <a href=\"https:\/\/sandwall.co\/filer\/Forsakringsbrev_Ansvar_2025.pdf\" target=\"_blank\" rel=\"noopener\"><strong>Liability Insurance (PDF)<\/strong><\/a><\/p><p>- See <strong><a href=\"https:\/\/sandwall.co\/filer\/Forsakringsbrev_Olycksfall_2025.pdf\" target=\"_blank\" rel=\"noopener\">Accident Insurance (PDF)<\/a><\/strong><\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card\">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-5-03470c1\">\n                        <a href=\"#collapse-1f64e986a15d35d11fcf\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-1f64e986a15d35d11fcf\" aria-expanded=\"false\" aria-controls=\"Collapse-1f64e986a15d35d11fcf\">\n                            \n                            <span class=\"ekit-accordion-title\">6. How do I create an invoice?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-chevron-right\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-cross\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-1f64e986a15d35d11fcf\" class=\"collapse\" aria-labelledby=\"primaryHeading-5-03470c1\" data-parent=\"#accordion-6a15d35d11fcf\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>You can easily create an invoice through your account on Utbetalning.com. To do this, you\u2019ll need your client\u2019s details \u2013 for example, their organization number, address, contact person\u2019s name, and the email address where the invoice should be sent. It only takes about 5 minutes to create and send an invoice.<\/p><p>We review all invoices, and this is usually done within 2 hours during business hours.<\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card\">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-6-03470c1\">\n                        <a href=\"#collapse-f23dd0e6a15d35d11fcf\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-f23dd0e6a15d35d11fcf\" aria-expanded=\"false\" aria-controls=\"Collapse-f23dd0e6a15d35d11fcf\">\n                            \n                            <span class=\"ekit-accordion-title\">7. How much tax is deducted from my salary?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-chevron-right\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-cross\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-f23dd0e6a15d35d11fcf\" class=\"collapse\" aria-labelledby=\"primaryHeading-6-03470c1\" data-parent=\"#accordion-6a15d35d11fcf\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>A standard tax rate of 30% is deducted from your gross salary. This may not seem significant if you have a high income or live in a municipality with high local taxes. However, compared to a regular full-time employment, where the tax is adjusted based on your annual income and the municipality you live in, most people end up paying an effective tax rate that is lower than 30%.<\/p><p><strong>Exempel f\u00f6r 2025:<\/strong><\/p><p>- In <strong>Stockholm,<\/strong> you need a gross monthly salary exceeding SEK 72,083 (SEK 865,000 per year) to pay more than 30% in income tax. As a self-employed individual using an umbrella company, this means you would need to invoice over SEK 1,159,400 per year to reach that level.<\/p><p>- In <strong>Degerfors<\/strong> \u2013 which has the highest municipal tax rate in Sweden \u2013 you need a gross monthly salary exceeding SEK 60,667 (SEK 728,000 per year) to pay more than 30% in income tax. As a self-employed individual using an umbrella company, this means you would need to invoice over SEK 975,800 per year to reach that level.<\/p><p>Most of our self-employed users receive a refund in their tax return.<\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card\">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-7-03470c1\">\n                        <a href=\"#collapse-0717f4e6a15d35d11fcf\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-0717f4e6a15d35d11fcf\" aria-expanded=\"false\" aria-controls=\"Collapse-0717f4e6a15d35d11fcf\">\n                            \n                            <span class=\"ekit-accordion-title\">8. Can I invoice companies in other countries?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-chevron-right\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-cross\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-0717f4e6a15d35d11fcf\" class=\"collapse\" aria-labelledby=\"primaryHeading-7-03470c1\" data-parent=\"#accordion-6a15d35d11fcf\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>Yes, Utbetalning.com can handle international invoices. If you have a client abroad, you can create an invoice in the relevant currency and follow the platform\u2019s instructions for sending international invoices. VAT is automatically adjusted according to the tax regulations between Sweden and the recipient country, and the invoice will automatically be generated in English if the currency is not SEK or if the recipient country is not Sweden.<\/p><p>When the funds reach Sweden, they are automatically converted to SEK by Swedbank. This enables the salary payment, which is made in SEK.<\/p><p><strong>Accepted currencies besides SEK:<\/strong> AUD, CAD, CHF, CNY, DKK, EUR, GBP, JPY, KRW, NOK, PLN, USD<\/p><p><strong>Accepted countries besides Sweden:<\/strong> Australien, Belgien, Brasilien, Chile, Danmark, Estland, Finland, Frankrike, Grekland, Hongkong, Indien, Irland, Island, Italien, Japan, Kanada, Kina, Lettland, Litauen, Malaysia, Mexiko, Nederl\u00e4nderna, Norge, Nya Zeeland, Polen, Portugal, Rum\u00e4nien, Schweiz, Singapore, Slovakien, Slovenien, Spanien, Storbritannien, Sydafrika, Sydkorea, Taiwan, Thailand, Tjeckien, Turkiet, Tyskland, Ungern, USA, Vietnam, \u00d6sterrike.<\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card\">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-8-03470c1\">\n                        <a href=\"#collapse-8f6f48f6a15d35d11fcf\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-8f6f48f6a15d35d11fcf\" aria-expanded=\"false\" aria-controls=\"Collapse-8f6f48f6a15d35d11fcf\">\n                            \n                            <span class=\"ekit-accordion-title\">9. How long does it take to get paid?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-chevron-right\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-cross\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-8f6f48f6a15d35d11fcf\" class=\"collapse\" aria-labelledby=\"primaryHeading-8-03470c1\" data-parent=\"#accordion-6a15d35d11fcf\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>Payment terms are agreed upon between you and your client (typically ranging from 0 to 60 days). The shorter the term, the faster you can get paid by the client. We do not make any payouts until we have received payment from the client.<\/p><p>We pay out your salary as soon as we receive the client's payment. On average, our users have the money in their account within 60 minutes. Other providers typically take 24 to 72 hours.<\/p><p>We apply a minimum payroll threshold for users who typically submit lower-value invoices. In such cases, we will process your payroll payment when either of the following occurs first: your paid invoices reach SEK 3,000 (excluding VAT), or the 25th of the month.<\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card\">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-9-03470c1\">\n                        <a href=\"#collapse-f5dc33b6a15d35d11fcf\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-f5dc33b6a15d35d11fcf\" aria-expanded=\"false\" aria-controls=\"Collapse-f5dc33b6a15d35d11fcf\">\n                            \n                            <span class=\"ekit-accordion-title\">10. Do I have to do anything with my tax declaration?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-chevron-right\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-cross\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-f5dc33b6a15d35d11fcf\" class=\"collapse\" aria-labelledby=\"primaryHeading-9-03470c1\" data-parent=\"#accordion-6a15d35d11fcf\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>No, Utbetalning Sverige AB submits all tax information to the Swedish Tax Agency.<\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card\">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-10-03470c1\">\n                        <a href=\"#collapse-dd77ace6a15d35d11fcf\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-dd77ace6a15d35d11fcf\" aria-expanded=\"false\" aria-controls=\"Collapse-dd77ace6a15d35d11fcf\">\n                            \n                            <span class=\"ekit-accordion-title\">11. Can I save for pension as self-employed person?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-chevron-right\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-cross\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-dd77ace6a15d35d11fcf\" class=\"collapse\" aria-labelledby=\"primaryHeading-10-03470c1\" data-parent=\"#accordion-6a15d35d11fcf\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>Since Utbetalning Sverige AB pays social security contributions on your behalf, pension contributions are included in these payments. This means you accrue entitlement to the national pension just as you would with a traditional employment.<\/p><p>In addition to this, you can choose to have parts of your remuneration paid into your occupational pension instead of salary. You will receive your occupational pension into SPP.<\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card\">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-11-03470c1\">\n                        <a href=\"#collapse-46398916a15d35d11fcf\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-46398916a15d35d11fcf\" aria-expanded=\"false\" aria-controls=\"Collapse-46398916a15d35d11fcf\">\n                            \n                            <span class=\"ekit-accordion-title\">12. Can I combine self-employment with regular employment?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-chevron-right\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-cross\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-46398916a15d35d11fcf\" class=\"collapse\" aria-labelledby=\"primaryHeading-11-03470c1\" data-parent=\"#accordion-6a15d35d11fcf\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>Yes, it is perfectly possible to be self-employed in addition to a regular job.<\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card\">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-12-03470c1\">\n                        <a href=\"#collapse-4d6cf9f6a15d35d11fcf\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-4d6cf9f6a15d35d11fcf\" aria-expanded=\"false\" aria-controls=\"Collapse-4d6cf9f6a15d35d11fcf\">\n                            \n                            <span class=\"ekit-accordion-title\">13. How do expense reimbursements work?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-chevron-right\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-cross\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-4d6cf9f6a15d35d11fcf\" class=\"collapse\" aria-labelledby=\"primaryHeading-12-03470c1\" data-parent=\"#accordion-6a15d35d11fcf\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>You can make expense reimbursements for costs that are used up during the assignment and have a clear connection to the work. All expenses must comply with the Swedish Tax Agency\u2019s regulations, and for us to approve them, you need to upload the correct documentation. It\u2019s important that you ensure the documents are accurate. They must be real receipts or paid invoices \u2013 order confirmations are not accepted.<\/p><p>Please note that expenses may not exceed 20% of the invoiced amount \u2013 otherwise, it effectively means you\u2019re working without pay, and we do not allow that.<\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card\">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-13-03470c1\">\n                        <a href=\"#collapse-af271206a15d35d11fcf\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-af271206a15d35d11fcf\" aria-expanded=\"false\" aria-controls=\"Collapse-af271206a15d35d11fcf\">\n                            \n                            <span class=\"ekit-accordion-title\">14. What happens if my customer doesn't pay?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-chevron-right\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-cross\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-af271206a15d35d11fcf\" class=\"collapse\" aria-labelledby=\"primaryHeading-13-03470c1\" data-parent=\"#accordion-6a15d35d11fcf\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>When there is a signed cooperation agreement, it should be very clear what the contractor and client agree on. If your client does not pay, we will do what we can and help you get paid, but will not pay wages until the client has paid.<\/p><p>Choose clients carefully and be as clear as possible in your cooperation agreement. For example, on www.allabolag.se you can look up the company you will be working for and get an idea of \u200b\u200btheir payment capacity in advance.<\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card\">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-14-03470c1\">\n                        <a href=\"#collapse-a32374b6a15d35d11fcf\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-a32374b6a15d35d11fcf\" aria-expanded=\"false\" aria-controls=\"Collapse-a32374b6a15d35d11fcf\">\n                            \n                            <span class=\"ekit-accordion-title\">15. How does Utbetalning.com work with a-kassa?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-chevron-right\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-cross\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-a32374b6a15d35d11fcf\" class=\"collapse\" aria-labelledby=\"primaryHeading-14-03470c1\" data-parent=\"#accordion-6a15d35d11fcf\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>In Sweden, you can get a-kassa even if you work through a self-employed company. We have written an article about the rules and conditions that you must meet to be eligible for unemployment benefits. Contact your unemployment insurance fund to ensure what requirements you need to meet with them.<\/p><p><a href=\"http:\/\/13.60.79.224\/kunskapsbank\/fa-a-kassa-som-egenanstalld-vad-galler-i-sverige\/\">Getting a-kassa as a self-employed person \u2013 what applies in Sweden?<\/a><\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card\">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-15-03470c1\">\n                        <a href=\"#collapse-61d642f6a15d35d11fcf\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-61d642f6a15d35d11fcf\" aria-expanded=\"false\" aria-controls=\"Collapse-61d642f6a15d35d11fcf\">\n                            \n                            <span class=\"ekit-accordion-title\">16. What about mortgages when you work through a self-employed company?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-chevron-right\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-cross\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-61d642f6a15d35d11fcf\" class=\"collapse\" aria-labelledby=\"primaryHeading-15-03470c1\" data-parent=\"#accordion-6a15d35d11fcf\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>Getting a mortgage as a self-employed person is possible, but it requires that you can show the bank that you have a stable and reliable income. By having your finances in order, showing a solid income history and possibly applying with a partner, you can increase your chances. Although self-employment is not seen as a traditional job by the bank, it does not have to be an obstacle to buying a home \u2013 as always, it is about convincing the bank that you are a low risk through a strong financial profile.<\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card\">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-16-03470c1\">\n                        <a href=\"#collapse-2ea2f896a15d35d11fcf\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-2ea2f896a15d35d11fcf\" aria-expanded=\"false\" aria-controls=\"Collapse-2ea2f896a15d35d11fcf\">\n                            \n                            <span class=\"ekit-accordion-title\">17. I want to send invoices with a VAT rate other than 25%?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-chevron-right\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-cross\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-2ea2f896a15d35d11fcf\" class=\"collapse\" aria-labelledby=\"primaryHeading-16-03470c1\" data-parent=\"#accordion-6a15d35d11fcf\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>Most invoices are subject to 25% VAT, which is the standard VAT rate in Sweden. However, certain types of goods and services have a reduced VAT rate or are exempt from VAT.<\/p><p>Example:<\/p><ul><li><p>0% \u2013 Applies, among other things, to certain services within healthcare, dental care, education, and financial services.<\/p><\/li><li>0% \u2013 Used for invoices to construction companies for certain services.<\/li><li>0% \u2013 Used for invoices to companies based in another country.<\/li><li><p>6% \u2013 Applies, for example, to books, newspapers, public transport, and entrance fees to cultural events.<\/p><\/li><li><p>12% \u2013 Applies, among other things, to food, restaurant and catering services, as well as hotel operations.<\/p><\/li><\/ul><p>\u00a0<\/p><h3>Important information<\/h3><p>If you operate in a field with a reduced or exempt VAT rate, we can activate the correct VAT rate on your account.<\/p><p>Please note that artists and musicians cannot invoice with 0% VAT through a self-employment company \u2013 only through their own business. For self-employment, a 25% VAT rate always applies.<\/p><h3>Before you contact us<\/h3><p>VAT rules are often complex, and it\u2019s important that you check what applies to your specific business before contacting us.<\/p><p>We recommend that you contact the Swedish Tax Agency (Skatteverket) to confirm which exemption rules apply in your case.<\/p><blockquote><p>Based on experience, around 90% of those who request a different VAT rate are not entitled to it \u2013 therefore, we ask you to verify this first.<\/p><\/blockquote><h3>\u00a0<\/h3><h3>When you are entitled to a different VAT rate<\/h3><p>If you have confirmed with the Swedish Tax Agency that you are covered by a reduced or exempt VAT rate, we will gladly help you add the applicable VAT rates to your account.<\/p><p>This allows you to send invoices with the correct VAT in a smooth and compliant way.<\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card\">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-17-03470c1\">\n                        <a href=\"#collapse-cc9592f6a15d35d11fcf\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-cc9592f6a15d35d11fcf\" aria-expanded=\"false\" aria-controls=\"Collapse-cc9592f6a15d35d11fcf\">\n                            \n                            <span class=\"ekit-accordion-title\">18. I want to send invoices with reverse construction VAT?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-chevron-right\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-cross\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-cc9592f6a15d35d11fcf\" class=\"collapse\" aria-labelledby=\"primaryHeading-17-03470c1\" data-parent=\"#accordion-6a15d35d11fcf\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>In order to be able to invoice with reverse charge construction VAT (reverse tax liability in the construction sector), the following three requirements must be met:<\/p><ol><li>Both parties are active in the construction sector. Both you, who performs the work, and the client (the customer who orders the work) must be engaged in construction activities. If the buyer is only an end customer (for example, a private individual or a company that does not engage in construction activities), reverse charge construction VAT does not apply.<\/li><li>The service performed needs to be specified on the invoice and must be covered by construction activities according to the Swedish Tax Agency. It must be construction services according to the Swedish Tax Agency's definition, e.g. ground and foundation work, building and civil engineering work, installations (electricity, plumbing), facade renovation, demolition, etc. Sales of materials only are not covered by reverse construction VAT.<\/li><li>The counterparty is a Swedish company and the service has been performed in Sweden. The client's VAT registration number must be specified on the invoice.<\/li><\/ol><p><strong>If you are entitled to invoice with reverse charge construction VAT, you can contact us via chat or telephone<\/strong> so that we can activate reverse charge construction VAT on your account.<\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card\">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-18-03470c1\">\n                        <a href=\"#collapse-265fa246a15d35d11fcf\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-265fa246a15d35d11fcf\" aria-expanded=\"false\" aria-controls=\"Collapse-265fa246a15d35d11fcf\">\n                            \n                            <span class=\"ekit-accordion-title\">19. Can I have my own logo on the invoice?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-chevron-right\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-cross\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-265fa246a15d35d11fcf\" class=\"collapse\" aria-labelledby=\"primaryHeading-18-03470c1\" data-parent=\"#accordion-6a15d35d11fcf\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>You can add your own logo under \"My settings\". It's free of charge! If no selection is made, our logo will appear on the invoice automatically.<\/p><p>- See <a href=\"https:\/\/sandwall.co\/filer\/Exempelfaktura.pdf\" target=\"_blank\" rel=\"noopener\"><strong>Sample Invoice with Our Logo (PDF)<\/strong><\/a><\/p><p>- See <strong><a href=\"https:\/\/sandwall.co\/filer\/Exempelfaktura-egen-logotyp.pdf\" target=\"_blank\" rel=\"noopener\">Sample Invoice with Your Own Logo (PDF)<\/a><\/strong><\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card\">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-19-03470c1\">\n                        <a href=\"#collapse-12eeac66a15d35d11fcf\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-12eeac66a15d35d11fcf\" aria-expanded=\"false\" aria-controls=\"Collapse-12eeac66a15d35d11fcf\">\n                            \n                            <span class=\"ekit-accordion-title\">20. Do you want to work as a freelancer but don't have any assignments?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-chevron-right\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-cross\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-12eeac66a15d35d11fcf\" class=\"collapse\" aria-labelledby=\"primaryHeading-19-03470c1\" data-parent=\"#accordion-6a15d35d11fcf\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>You can either find assignments on your own or go through a consulting broker or agency. As a consultant, having strong relationships with such partners is highly valuable. We collaborate with several consulting brokers and agencies, such as <a href=\"https:\/\/enkl.se\/\" target=\"_blank\" rel=\"noopener\"><strong>ENKL Frilansservice<\/strong><\/a> \u2013 giving you access to assignments that are often not publicly advertised, whether you're a specialist in a specific field or a versatile generalist.<\/p><p>Remember, there are companies out there actively looking for your skills.<\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card\">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-20-03470c1\">\n                        <a href=\"#collapse-8da96866a15d35d11fcf\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-8da96866a15d35d11fcf\" aria-expanded=\"false\" aria-controls=\"Collapse-8da96866a15d35d11fcf\">\n                            \n                            <span class=\"ekit-accordion-title\">21. Do you need an ID06 card for your assignment?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-chevron-right\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-cross\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-8da96866a15d35d11fcf\" class=\"collapse\" aria-labelledby=\"primaryHeading-20-03470c1\" data-parent=\"#accordion-6a15d35d11fcf\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>Through the ID06 card, Utbetalning Sverige AB contributes to safer workplaces with fair working conditions. If you need an ID06 card and have the required training certificates registered in their competence database, we can order a card for you.<\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card\">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-21-03470c1\">\n                        <a href=\"#collapse-c96f8626a15d35d11fcf\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-c96f8626a15d35d11fcf\" aria-expanded=\"false\" aria-controls=\"Collapse-c96f8626a15d35d11fcf\">\n                            \n                            <span class=\"ekit-accordion-title\">22. What do your invoices look like?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-chevron-right\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-cross\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-c96f8626a15d35d11fcf\" class=\"collapse\" aria-labelledby=\"primaryHeading-21-03470c1\" data-parent=\"#accordion-6a15d35d11fcf\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>With us, you have the opportunity to include your own logo on the invoice sent to the client at no additional cost! If you do not upload your own logo, our logo will be displayed instead. Examples are in Swedish, but invoices can also be sent in English.<\/p><p>- See <a href=\"https:\/\/sandwall.co\/filer\/Exempelfaktura.pdf\" target=\"_blank\" rel=\"noopener\"><strong>Sample Invoice with Our Logo (PDF)<\/strong><\/a><\/p><p>- See <strong><a href=\"https:\/\/sandwall.co\/filer\/Exempelfaktura-egen-logotyp.pdf\" target=\"_blank\" rel=\"noopener\">Sample Invoice with Your Own Logo (PDF)<\/a><\/strong><\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card\">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-22-03470c1\">\n                        <a href=\"#collapse-8c891e66a15d35d11fcf\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-8c891e66a15d35d11fcf\" aria-expanded=\"false\" aria-controls=\"Collapse-8c891e66a15d35d11fcf\">\n                            \n                            <span class=\"ekit-accordion-title\">23. Can I issue invoices with ROT and RUT deductions?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-chevron-right\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-cross\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-8c891e66a15d35d11fcf\" class=\"collapse\" aria-labelledby=\"primaryHeading-22-03470c1\" data-parent=\"#accordion-6a15d35d11fcf\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>Yes, since May 2025, you can also issue invoices with ROT and RUT deductions through Utbetalning.com.<\/p><p><strong>Contact us via chat or phone<\/strong> so we can activate it on your account.<\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card\">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-23-03470c1\">\n                        <a href=\"#collapse-22fee286a15d35d11fcf\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-22fee286a15d35d11fcf\" aria-expanded=\"false\" aria-controls=\"Collapse-22fee286a15d35d11fcf\">\n                            \n                            <span class=\"ekit-accordion-title\">24. Important Considerations for Expenses Exceeding SEK 4,000<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-chevron-right\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-cross\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-22fee286a15d35d11fcf\" class=\"collapse\" aria-labelledby=\"primaryHeading-23-03470c1\" data-parent=\"#accordion-6a15d35d11fcf\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>The rules for expenses vary slightly depending on the amount.<\/p><p><strong>- For purchases under SEK 4,000 including VAT,<\/strong> a receipt (simplified invoice) is sufficient.<\/p><p><strong>- For purchases over SEK 4,000 including VAT,<\/strong> a full invoice is required.<\/p><p><strong>A simplified invoice (receipt) should include:<\/strong><\/p><ul><li><p>Date<\/p><\/li><li><p>The seller's name<\/p><\/li><li><p>A description of the goods or services purchased<\/p><\/li><li><p>VAT amount or information to calculate it<\/p><\/li><\/ul><p><strong><br \/>A full invoice must include, among other things:<\/strong><\/p><ul><li>Our details: Utbetalning Sverige AB, Reg. No. 559484-9407, Markvardsgatan 11, SE-113 53 Stockholm<\/li><li><p>Date and invoice number<\/p><\/li><li><p>The seller's and buyer's name, address, and VAT number<\/p><\/li><li><p>Description of the goods or services sold and the date of sale<\/p><\/li><li><p>Price before VAT (per VAT rate)<\/p><\/li><li><p>VAT rate (%) and total VAT amount<\/p><\/li><\/ul><p>\ud83d\udca1 <em>Note! An order confirmation is not sufficient \u2013 please wait for the actual receipt\/invoice.<\/em><\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card\">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-24-03470c1\">\n                        <a href=\"#collapse-76f974c6a15d35d11fcf\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-76f974c6a15d35d11fcf\" aria-expanded=\"false\" aria-controls=\"Collapse-76f974c6a15d35d11fcf\">\n                            \n                            <span class=\"ekit-accordion-title\">25. How can I get a 1.45% fee?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-chevron-right\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-cross\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-76f974c6a15d35d11fcf\" class=\"collapse\" aria-labelledby=\"primaryHeading-24-03470c1\" data-parent=\"#accordion-6a15d35d11fcf\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>Utbetalning.com offers one of Sweden\u2019s lowest fees at 1.95%. To qualify for our lower 1.45% fee, we have established a referral program.<\/p><p>Each time a new user registers using your Partner ID and sends their first invoice, you receive a 0.05% discount on your own fee \u2014 reducing it down to a minimum of 1.45%.<\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card\">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-25-03470c1\">\n                        <a href=\"#collapse-393d0fc6a15d35d11fcf\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-393d0fc6a15d35d11fcf\" aria-expanded=\"false\" aria-controls=\"Collapse-393d0fc6a15d35d11fcf\">\n                            \n                            <span class=\"ekit-accordion-title\">26. Can I invoice through Utbetalning.com if I have payment defaults?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-chevron-right\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-cross\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-393d0fc6a15d35d11fcf\" class=\"collapse\" aria-labelledby=\"primaryHeading-25-03470c1\" data-parent=\"#accordion-6a15d35d11fcf\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>Yes, you are very welcome to invoice through Utbetalning.com even if you have payment defaults. This does not affect your ability to use our service.<\/p><p>Please note, however, that if you are currently subject to a business prohibition (*n\u00e4ringsf\u00f6rbud*), you are not allowed to invoice for work within the industry or profession covered by the ban. This is stipulated by law and may have serious personal legal consequences.<\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card\">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-26-03470c1\">\n                        <a href=\"#collapse-bd6b62d6a15d35d11fcf\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-bd6b62d6a15d35d11fcf\" aria-expanded=\"false\" aria-controls=\"Collapse-bd6b62d6a15d35d11fcf\">\n                            \n                            <span class=\"ekit-accordion-title\">27. Do you offer a wellness allowance? (friskv\u00e5rdsbidrag)<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-chevron-right\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-cross\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-bd6b62d6a15d35d11fcf\" class=\"collapse\" aria-labelledby=\"primaryHeading-26-03470c1\" data-parent=\"#accordion-6a15d35d11fcf\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>No, Utbetalning.com does not offer a wellness allowance. This is because Swedish regulations require that the benefit be offered equally to all employees, regardless of whether they invoice SEK 500 or SEK 500,000. This results in higher administrative costs.<\/p><p>To our knowledge, only Frilans Finans and Cool Company currently offer a wellness allowance. However, their fees are close to 6%, and the wellness benefit is essentially paid for by the users themselves. In our opinion, having a lower service fee at Utbetalning.com \u2014 is more beneficial overall.<\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card\">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-27-03470c1\">\n                        <a href=\"#collapse-f6d808c6a15d35d11fcf\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-f6d808c6a15d35d11fcf\" aria-expanded=\"false\" aria-controls=\"Collapse-f6d808c6a15d35d11fcf\">\n                            \n                            <span class=\"ekit-accordion-title\">28. Can I send e-invoices through Utbetalning.com?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-chevron-right\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-cross\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-f6d808c6a15d35d11fcf\" class=\"collapse\" aria-labelledby=\"primaryHeading-27-03470c1\" data-parent=\"#accordion-6a15d35d11fcf\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>Yes, we support invoicing via the Peppol network.<\/p><p>As e-invoicing is a requirement from most government agencies and large corporations\u2014and is increasingly requested by small and medium-sized businesses\u2014we offer our users the ability to send e-invoices.<\/p><p>Utbetalning.com is one of the few self-employment platforms that provides this support.<\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card\">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-28-03470c1\">\n                        <a href=\"#collapse-47bb7456a15d35d11fcf\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-47bb7456a15d35d11fcf\" aria-expanded=\"false\" aria-controls=\"Collapse-47bb7456a15d35d11fcf\">\n                            \n                            <span class=\"ekit-accordion-title\">29. Can I use your service if I\u2019m registered as a resident abroad?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-chevron-right\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-cross\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-47bb7456a15d35d11fcf\" class=\"collapse\" aria-labelledby=\"primaryHeading-28-03470c1\" data-parent=\"#accordion-6a15d35d11fcf\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>F\u00f6r att anv\u00e4nda Utbetalning.com beh\u00f6ver du ha ett svenskt personnummer och vara folkbokf\u00f6rd i Sverige. Eftersom vi \u00e4r ett svenskt f\u00f6retag hanterar vi skatt, arbetsgivaravgifter och sociala avgifter enligt svensk lagstiftning, vilket kr\u00e4ver att du \u00e4r skriven i Sverige.<\/p><p>However, you are more than welcome to invoice international clients through our service \u2013 your customer pays the invoice, and your salary is then paid out to you in Sweden.<\/p><p>T\u00e4nk p\u00e5 att du m\u00e5ste ha ett svenskt personnummer, att ett samordningsnummer inte r\u00e4cker. Hos oss loggar man in med Mobilt BankID och det fungerar endast med personnummer.<\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card\">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-29-03470c1\">\n                        <a href=\"#collapse-b1fa69b6a15d35d11fcf\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-b1fa69b6a15d35d11fcf\" aria-expanded=\"false\" aria-controls=\"Collapse-b1fa69b6a15d35d11fcf\">\n                            \n                            <span class=\"ekit-accordion-title\">30. What are Utbetalning.com\u2019s company details?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-chevron-right\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-cross\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-b1fa69b6a15d35d11fcf\" class=\"collapse\" aria-labelledby=\"primaryHeading-29-03470c1\" data-parent=\"#accordion-6a15d35d11fcf\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <div><p>\u00a0<\/p><p>When a self-employed individual is starting a collaboration with a new company, the company may sometimes request information from us to enter into their system. These are the most commonly requested details:<\/p><p><strong>Company Information<\/strong><br \/>Utbetalning Sverige AB  (registration Number 559484-9407)<\/p><div class=\"intercom-interblocks\"><div class=\"intercom-interblocks-paragraph no-margin intercom-interblocks-align-left\"><p><strong>Address<\/strong><br \/>Markvardsgatan 11, 113 53 Stockholm, Sweden<\/p><p><strong>VAT-number<\/strong><br \/>SE559484940701<\/p><p><strong>Payment Details<\/strong><br \/>Bank Account at Swedbank: 8166-1,884 109 958-6<br \/>Bankgiro: 567-8107<br \/>IBAN: SE39 8000 0816 6188 4109 9586<br \/>BIC\/SWIFT: SWEDSESS<\/p><p><em>For international payments, the receiving bank\u2019s address may sometimes be requested. In that case, provide: Swedbank, 105 34 Stockholm, Sweden.<\/em><br \/>\u200b<br \/><strong>Contact Information<\/strong><br \/>Phone: +46 10 430 01 31<br \/>Email: <a class=\"external-link\" href=\"mailto:info@utbetalning.com\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">info@utbetalning.com<\/a><\/p><\/div><div class=\"intercom-interblocks-paragraph no-margin intercom-interblocks-align-left\"><p><em><br \/>Utbetalning Sverige AB holds an F-tax certificate.<\/em><\/p><p>When logged in, under the \"My Information\" tab, there is a document titled \"Certificate of Collaboration with a Self-Employment Company.\" This can be downloaded and provided to your client.<\/p><\/div><\/div><\/div>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card\">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-30-03470c1\">\n                        <a href=\"#collapse-0b31ac86a15d35d11fcf\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-0b31ac86a15d35d11fcf\" aria-expanded=\"false\" aria-controls=\"Collapse-0b31ac86a15d35d11fcf\">\n                            \n                            <span class=\"ekit-accordion-title\">31. When calculating an invoice, should the amount be stated excluding VAT, including VAT, or incl. VAT?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-chevron-right\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-cross\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-0b31ac86a15d35d11fcf\" class=\"collapse\" aria-labelledby=\"primaryHeading-30-03470c1\" data-parent=\"#accordion-6a15d35d11fcf\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>When using our calculator and when issuing an invoice, you should always enter the amount <strong>excluding VAT<\/strong>VAT is a tax that we automatically add to the invoice\u2014typically at a rate of 25%.<\/p><p>The amount (excluding or including VAT) that you communicate to the customer depends on the target audience:<\/p><p><strong>- Individuals:<\/strong> Usually, state the price <strong>including VAT,<\/strong><\/p><p><strong>- Business clients:<\/strong> Usually, state the price <strong>excluding VAT<\/strong><\/p><p>To avoid misunderstandings, it\u2019s always a good idea to double-check with the customer which type of price is intended.<\/p><p>If you have agreed on a price <strong>including VAT,<\/strong> you need to remove the VAT before invoicing, as our system will automatically add it to the invoice. Here\u2019s how to calculate backwards from a VAT-inclusive amount:<\/p><p><strong>- 25% VAT:<\/strong> Remove 20% from the VAT-inclusive amount<\/p><p><strong>- 12% VAT:<\/strong> Remove 10.71% from the VAT-inclusive amount.<\/p><p><strong>- 6% VAT:<\/strong> Remove 5.66% from the VAT-inclusive amount<\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card\">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-31-03470c1\">\n                        <a href=\"#collapse-f7250286a15d35d11fcf\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-f7250286a15d35d11fcf\" aria-expanded=\"false\" aria-controls=\"Collapse-f7250286a15d35d11fcf\">\n                            \n                            <span class=\"ekit-accordion-title\">32. I haven\u2019t received my salary, and the client says they have paid my invoice<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-chevron-right\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-cross\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-f7250286a15d35d11fcf\" class=\"collapse\" aria-labelledby=\"primaryHeading-31-03470c1\" data-parent=\"#accordion-6a15d35d11fcf\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>The reason your salary hasn\u2019t been paid is almost always that we haven\u2019t yet received the client\u2019s payment in our bank account. In some cases, this may be due to transfer times\u2014the client has made the payment, but the funds haven\u2019t arrived yet. It could also be that the client hasn\u2019t paid the invoice, or that they scheduled the payment for a future date. In that case, the client may say they\u2019ve paid, but the payment will only be processed on the chosen date.<\/p><p>If you\u2019re unsure what has happened, the next step is to ask the client for a payment receipt from their bank. This receipt shows if and when the payment was sent or is scheduled to be sent. We need this document to help trace the payment if it turns out that the client has indeed paid but you haven\u2019t received your salary yet.<\/p><p>Throughout our time in operation, we have never missed a salary payment (although it is theoretically possible). If you haven\u2019t received your salary, it is therefore most likely because the funds have not yet arrived. An exception applies to smaller invoices under SEK 3,000 excluding VAT. In these cases, we delay the salary payment until you have multiple invoices that together exceed SEK 3,000 excluding VAT, or until the 25th of the month\u2014whichever comes first.<\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card\">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-32-03470c1\">\n                        <a href=\"#collapse-eb889686a15d35d11fcf\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-eb889686a15d35d11fcf\" aria-expanded=\"false\" aria-controls=\"Collapse-eb889686a15d35d11fcf\">\n                            \n                            <span class=\"ekit-accordion-title\">33. I am in a hurry to receive my salary<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-chevron-right\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-cross\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-eb889686a15d35d11fcf\" class=\"collapse\" aria-labelledby=\"primaryHeading-32-03470c1\" data-parent=\"#accordion-6a15d35d11fcf\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>We only process salary payments once the invoice amount has been received in our bank account. Once the payment is registered, the process is fast \u2013 in most cases, the funds will appear in your account within 60 minutes.<\/p><p>If you want the payment to be processed as quickly as possible, you can encourage the client to choose a fast payment method, as transfer times vary depending on the payment type.<\/p><p><strong>Swish<\/strong><br \/>The payment is registered immediately when the client pays via Swish.<\/p><p><strong>Bank transfer<\/strong><\/p><p>From Swedbank or Sparbankerna: the funds are received immediately.<\/p><p>From other banks: usually within a few hours, or at the latest by around noon on the next business day, depending on when the transfer was initiated.<\/p><p><strong>Bankgiro<\/strong><\/p><p>Cut-off time: approximately 9:00 AM.<\/p><p>Funds sent before the cut-off time are received the same day, typically between 3:00 PM and 4:00 PM.<\/p><p>If the payment is made after 9:00 AM (e.g., at 10:00 AM), it will be received the next business day, typically between 3:00 PM and 4:00 PM.<\/p><p><strong>International bank transfer (IBAN)<\/strong><\/p><p>Typically 3\u20135 business days.<\/p><p>With express payment (depending on the bank), the funds can reach us the same day or the next day. However, this is an additional service that the customer\u2019s bank charges for, and it is not something we can control.<\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card\">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-33-03470c1\">\n                        <a href=\"#collapse-98b81736a15d35d11fcf\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-98b81736a15d35d11fcf\" aria-expanded=\"false\" aria-controls=\"Collapse-98b81736a15d35d11fcf\">\n                            \n                            <span class=\"ekit-accordion-title\">34. How do I change the VAT on my invoice?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-chevron-right\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-cross\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-98b81736a15d35d11fcf\" class=\"collapse\" aria-labelledby=\"primaryHeading-33-03470c1\" data-parent=\"#accordion-6a15d35d11fcf\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>For certain types of assignments, VAT rates other than 25% apply, such as 0%, 6%, or 12%. If you are eligible to invoice with a reduced VAT rate, you can do so via Utbetalning.com, but we first need to verify that you meet the requirements.<\/p><p>If you work in the construction industry, there is a strong possibility that you can invoice using reverse construction VAT. In that case, contact us so we can activate this option on your account.<\/p><p>A common misconception is that artists and musicians always have a lower VAT rate. However, this does not apply when you are self-employed through our platform \u2013 the reduced rate only applies if you operate your own company. These are regulations from the Swedish Tax Agency, not our policies.<\/p><p>Another example is yoga, where many assume the VAT rate is 6%. This is true if you are paid directly by the participant. However, if you invoice a yoga studio, the situation is different. In that case, it is considered that Utbetalning Sverige AB is hiring you out as a yoga instructor, and the VAT on personnel leasing is 25%.<\/p><p>We always ensure that VAT is applied correctly, as incorrect VAT can make both you and the client liable for payment afterwards. On the positive side, VAT does not affect VAT-registered companies, since they can reclaim it in their tax return. Organizations that are not VAT-registered are generally accustomed to paying 25%.<\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card\">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-34-03470c1\">\n                        <a href=\"#collapse-469b36e6a15d35d11fcf\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-469b36e6a15d35d11fcf\" aria-expanded=\"false\" aria-controls=\"Collapse-469b36e6a15d35d11fcf\">\n                            \n                            <span class=\"ekit-accordion-title\">35. Can I modify an invoice that has already been sent?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-chevron-right\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-cross\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-469b36e6a15d35d11fcf\" class=\"collapse\" aria-labelledby=\"primaryHeading-34-03470c1\" data-parent=\"#accordion-6a15d35d11fcf\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>An invoice that has already been sent cannot be modified, as it has already been delivered to the customer.<\/p><p>To prevent sending an incorrect invoice, you can choose \"Preview Invoice\" before clicking \"Send\" to see exactly how it will appear to the customer.<\/p><p>If there is a significant error or the invoice amount is incorrect, you must issue a credit note and then create a new invoice. This can be done in your account under the \"Invoicing\" tab.<\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card\">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-35-03470c1\">\n                        <a href=\"#collapse-703e83b6a15d35d11fcf\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-703e83b6a15d35d11fcf\" aria-expanded=\"false\" aria-controls=\"Collapse-703e83b6a15d35d11fcf\">\n                            \n                            <span class=\"ekit-accordion-title\">36. What is required to become a user of Utbetalning.com?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-chevron-right\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-cross\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-703e83b6a15d35d11fcf\" class=\"collapse\" aria-labelledby=\"primaryHeading-35-03470c1\" data-parent=\"#accordion-6a15d35d11fcf\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>You need to have a Swedish personal identity number, be registered as a resident in Sweden, and have Mobile BankID.<\/p><p>There is no cost to have an account; we only charge our low fee on the invoiced amount for invoices that are actually sent.<\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card\">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-36-03470c1\">\n                        <a href=\"#collapse-3968fcf6a15d35d11fcf\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-3968fcf6a15d35d11fcf\" aria-expanded=\"false\" aria-controls=\"Collapse-3968fcf6a15d35d11fcf\">\n                            \n                            <span class=\"ekit-accordion-title\">37. What information do I need from the client I\u2019m invoicing?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-chevron-right\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-cross\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-3968fcf6a15d35d11fcf\" class=\"collapse\" aria-labelledby=\"primaryHeading-36-03470c1\" data-parent=\"#accordion-6a15d35d11fcf\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p><strong>Companies<\/strong><\/p><p>- Company name<br \/>- Organization number<br \/>- Address<br \/>- Contact person at the company<br \/>- Email address or Peppol ID to which the invoice should be sent<\/p><p><em>If it is an international customer within the EU or an invoice subject to reverse charge for construction services, a VAT number is also required.<\/em><\/p><p><strong>Individuals<\/strong><\/p><p>- Name<br \/>- Address<br \/>- Email address to which the invoice should be sent<\/p><p><em>If the invoice includes ROT services, the property designation or the housing association\u2019s (BRF) organization number plus the Swedish Tax Agency\u2019s apartment number is required.<\/em><\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card\">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-37-03470c1\">\n                        <a href=\"#collapse-ec54ecd6a15d35d11fcf\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-ec54ecd6a15d35d11fcf\" aria-expanded=\"false\" aria-controls=\"Collapse-ec54ecd6a15d35d11fcf\">\n                            \n                            <span class=\"ekit-accordion-title\">38. Can I sell products through your platform?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-chevron-right\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-cross\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-ec54ecd6a15d35d11fcf\" class=\"collapse\" aria-labelledby=\"primaryHeading-37-03470c1\" data-parent=\"#accordion-6a15d35d11fcf\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>Our service is designed for self-employed individuals offering services. Utbetalning.com does not handle products, inventory, returns, or cancellation rights. To operate that type of business, you need to have your own company.<\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card\">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-38-03470c1\">\n                        <a href=\"#collapse-dba6aa26a15d35d11fcf\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-dba6aa26a15d35d11fcf\" aria-expanded=\"false\" aria-controls=\"Collapse-dba6aa26a15d35d11fcf\">\n                            \n                            <span class=\"ekit-accordion-title\">39. Can I receive payment from clients without sending an invoice?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-chevron-right\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-cross\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-dba6aa26a15d35d11fcf\" class=\"collapse\" aria-labelledby=\"primaryHeading-38-03470c1\" data-parent=\"#accordion-6a15d35d11fcf\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>No, you must first issue the invoice, and the client pays directly to us. We do not allow cash, payments that \u201cpass through\u201d your bank account, or any online wallets.<\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card\">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-39-03470c1\">\n                        <a href=\"#collapse-35d33706a15d35d11fcf\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-35d33706a15d35d11fcf\" aria-expanded=\"false\" aria-controls=\"Collapse-35d33706a15d35d11fcf\">\n                            \n                            <span class=\"ekit-accordion-title\">40. What is the minimum age requirement to use your service?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-chevron-right\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-cross\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-35d33706a15d35d11fcf\" class=\"collapse\" aria-labelledby=\"primaryHeading-39-03470c1\" data-parent=\"#accordion-6a15d35d11fcf\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>We have a minimum age requirement of 16. If you are between 16 and 18 years old, you may carry out most types of work, but not hazardous or physically strenuous tasks. Examples include retail work, caf\u00e9 service, light crafts, and warehouse tasks involving lighter lifting.<\/p><p>Working hours: Maximum 8 hours per day and 40 hours per week. During school weeks, hours must be adjusted so that education is not affected.<\/p><p>Protection: Night work or hazardous tasks are not allowed.<\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card\">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-40-03470c1\">\n                        <a href=\"#collapse-9804bda6a15d35d11fcf\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-9804bda6a15d35d11fcf\" aria-expanded=\"false\" aria-controls=\"Collapse-9804bda6a15d35d11fcf\">\n                            \n                            <span class=\"ekit-accordion-title\">41. Can I request an employer\u2019s certificate from you?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-chevron-right\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-cross\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-9804bda6a15d35d11fcf\" class=\"collapse\" aria-labelledby=\"primaryHeading-40-03470c1\" data-parent=\"#accordion-6a15d35d11fcf\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>No problem! We prepare and issue employer\u2019s certificates through Arbetsgivarintyg.nu, a service developed by Sweden\u2019s unemployment insurance funds. There is no cost for obtaining an employer\u2019s certificate from Utbetalning Sverige AB. In most cases, you will receive your certificate within 48 hours.<\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                                        <\/div>\n    <\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-c258f00 e-con-full sticky-section e-flex e-con e-child\" data-id=\"c258f00\" data-element_type=\"container\" data-e-type=\"container\" id=\"section2\">\n\t\t<div class=\"elementor-element elementor-element-483ea31 e-con-full e-flex e-con e-child\" data-id=\"483ea31\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-fbcfe8e elementor-widget elementor-widget-spacer\" data-id=\"fbcfe8e\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7f07639 animated-fast elementor-invisible elementor-widget elementor-widget-elementskit-heading\" data-id=\"7f07639\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;,&quot;_animation_delay&quot;:100,&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"elementskit-heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" ><div class=\"ekit-heading elementskit-section-title-wraper text_left   ekit_heading_tablet-   ekit_heading_mobile-\"><h3 class=\"ekit-heading--title elementskit-section-title\">Companies:<\/h3>\t\t\t\t<div class='ekit-heading__description'>\n\t\t\t\t\t<p>Here you will find answers to common questions that concern companies that use our service.<\/p>\n\t\t\t\t<\/div>\n\t\t\t<\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-a6c86a4 e-con-full e-flex e-con e-child\" data-id=\"a6c86a4\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-fc117e4 animated-fast elementor-invisible elementor-widget elementor-widget-elementskit-accordion\" data-id=\"fc117e4\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;,&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"elementskit-accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" >\n        <div class=\"elementskit-accordion accoedion-primary\" id=\"accordion-6a15d35d14c4a\">\n\n            \n                <div class=\"elementskit-card\">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-0-fc117e4\">\n                        <a href=\"#collapse-c3120306a15d35d14c4a\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-c3120306a15d35d14c4a\" aria-expanded=\"false\" aria-controls=\"Collapse-c3120306a15d35d14c4a\">\n                            \n                            <span class=\"ekit-accordion-title\">1. What is Utbetalning.com?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-chevron-right\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-cross\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-c3120306a15d35d14c4a\" class=\"collapse\" aria-labelledby=\"primaryHeading-0-fc117e4\" data-parent=\"#accordion-6a15d35d14c4a\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>Utbetalning.com is an umbrella company \u2013 similar to Frilans Finans and Cool Company \u2013 that enables freelancers and consultants to invoice clients without having their own registered business. The self-employed individual is legally employed by Utbetalning Sverige AB, which handles all administrative tasks such as taxes and social security contributions, allowing the individual to focus entirely on their assignments. Utbetalning Sverige AB holds an F-tax certificate.<\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card\">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-1-fc117e4\">\n                        <a href=\"#collapse-3bb282b6a15d35d14c4a\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-3bb282b6a15d35d14c4a\" aria-expanded=\"false\" aria-controls=\"Collapse-3bb282b6a15d35d14c4a\">\n                            \n                            <span class=\"ekit-accordion-title\">2. How does self-employment work for my company?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-chevron-right\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-cross\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-3bb282b6a15d35d14c4a\" class=\"collapse\" aria-labelledby=\"primaryHeading-1-fc117e4\" data-parent=\"#accordion-6a15d35d14c4a\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>Your company hires a self-employed person just like a regular consultant or freelancer. You agree on the terms of the assignment and then receive an invoice that the self-employed person sends to you from Utbetalning Sverige AB.<\/p><p>Utbetalning Sverige AB holds an F-tax slip and handles taxes, fees and payments for the self-employed.<\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card\">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-2-fc117e4\">\n                        <a href=\"#collapse-a5088ca6a15d35d14c4a\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-a5088ca6a15d35d14c4a\" aria-expanded=\"false\" aria-controls=\"Collapse-a5088ca6a15d35d14c4a\">\n                            \n                            <span class=\"ekit-accordion-title\">3. Who is responsible for employer liability?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-chevron-right\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-cross\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-a5088ca6a15d35d14c4a\" class=\"collapse\" aria-labelledby=\"primaryHeading-2-fc117e4\" data-parent=\"#accordion-6a15d35d14c4a\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>Utbetalning Sverige AB takes on the employer's responsibility, which means that they take care of social security contributions, insurance and other employer-related obligations. As the client in a collaboration agreement, however, you need to adhere to the agreed remuneration, assignment and terms.<\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card\">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-3-fc117e4\">\n                        <a href=\"#collapse-0fc65046a15d35d14c4a\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-0fc65046a15d35d14c4a\" aria-expanded=\"false\" aria-controls=\"Collapse-0fc65046a15d35d14c4a\">\n                            \n                            <span class=\"ekit-accordion-title\">4. How does the self-employed person invoice us?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-chevron-right\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-cross\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-0fc65046a15d35d14c4a\" class=\"collapse\" aria-labelledby=\"primaryHeading-3-fc117e4\" data-parent=\"#accordion-6a15d35d14c4a\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>Both the self-employed and you as a company can create invoice documents for the assignment through Utbetalning.com.<\/p><p>Once you have paid the invoice, Utbetalning Sverige AB will administer and pay the net salary to the self-employed person.<\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card\">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-4-fc117e4\">\n                        <a href=\"#collapse-b7fba986a15d35d14c4a\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-b7fba986a15d35d14c4a\" aria-expanded=\"false\" aria-controls=\"Collapse-b7fba986a15d35d14c4a\">\n                            \n                            <span class=\"ekit-accordion-title\">5. Do we have to sign an agreement with Utbetalning.com?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-chevron-right\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-cross\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-b7fba986a15d35d14c4a\" class=\"collapse\" aria-labelledby=\"primaryHeading-4-fc117e4\" data-parent=\"#accordion-6a15d35d14c4a\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>You can receive invoices from Utbetalning Sverige AB without having an agreement or account with us. It is enough for the person performing the work to have an account.<\/p><p>However, in many cases it may be appropriate to have a cooperation agreement in place, where you regulate the terms and conditions of the work. When you sign a cooperation agreement on Utbetalning.com, you draw up the agreement and terms with the self-employed person. Utbetalning Sverige AB acts as an intermediary and ensures that everything is handled according to rules and laws.<\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card\">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-5-fc117e4\">\n                        <a href=\"#collapse-01a82e56a15d35d14c4a\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-01a82e56a15d35d14c4a\" aria-expanded=\"false\" aria-controls=\"Collapse-01a82e56a15d35d14c4a\">\n                            \n                            <span class=\"ekit-accordion-title\">6. How much does it cost for us as a company to hire someone through Utbetalning.com?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-chevron-right\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-cross\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-01a82e56a15d35d14c4a\" class=\"collapse\" aria-labelledby=\"primaryHeading-5-fc117e4\" data-parent=\"#accordion-6a15d35d14c4a\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>The cost to you as the client is the invoiced amount that you have agreed with the self-employed person. Utbetalning.com charges the market's lowest fee (1.95%) from the invoiced amount, which is deducted directly from the invoice amount and charged to the self-employed person.<\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card\">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-6-fc117e4\">\n                        <a href=\"#collapse-8edc8b46a15d35d14c4a\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-8edc8b46a15d35d14c4a\" aria-expanded=\"false\" aria-controls=\"Collapse-8edc8b46a15d35d14c4a\">\n                            \n                            <span class=\"ekit-accordion-title\">7. Are self-employed workers insured during the assignment?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-chevron-right\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-cross\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-8edc8b46a15d35d14c4a\" class=\"collapse\" aria-labelledby=\"primaryHeading-6-fc117e4\" data-parent=\"#accordion-6a15d35d14c4a\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>Yes, Utbetalning Sverige AB offers self-employed people who have a cooperation agreement basic insurance while they are performing assignments. This includes liability insurance and accident insurance.<\/p><p>- See <a href=\"https:\/\/sandwall.co\/filer\/Forsakringsbrev_Ansvar_2025.pdf\" target=\"_blank\" rel=\"noopener\"><strong>Liability Insurance (PDF)<\/strong><\/a><\/p><p>- See <strong><a href=\"https:\/\/sandwall.co\/filer\/Forsakringsbrev_Olycksfall_2025.pdf\" target=\"_blank\" rel=\"noopener\">Accident Insurance (PDF)<\/a><\/strong><\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card\">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-7-fc117e4\">\n                        <a href=\"#collapse-4179c126a15d35d14c4a\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-4179c126a15d35d14c4a\" aria-expanded=\"false\" aria-controls=\"Collapse-4179c126a15d35d14c4a\">\n                            \n                            <span class=\"ekit-accordion-title\">8. Can Utbetalning.com accept international payments?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-chevron-right\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-cross\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-4179c126a15d35d14c4a\" class=\"collapse\" aria-labelledby=\"primaryHeading-7-fc117e4\" data-parent=\"#accordion-6a15d35d14c4a\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>Yes, Utbetalning.com can handle international invoices. VAT is automatically adjusted according to the recipient country's tax rules, including Sweden, and the invoice will automatically be in English if the currency is not SEK or the recipient country is not Sweden.<\/p><p><strong>Accepted currencies besides SEK:<\/strong> CNY, DKK, EUR, GBP, JPY, NOK, USD<\/p><p><strong>Accepted countries besides Sweden:<\/strong> Australia, Austria, Belgium, Brazil, Canada, Chile, China, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hong Kong, Hungary, Iceland, India, Indonesia, Ireland, Italy, Japan, Latvia, Lithuania, Malaysia, Mexico, Netherlands, New Zealand, Norway, Poland, Portugal, Romania, Singapore, Slovakia, Slovenia, South Africa, South Korea, Switzerland, Taiwan, Thailand, Turkey, United Kingdom, United States, Vietnam<\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card\">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-8-fc117e4\">\n                        <a href=\"#collapse-8dd5d386a15d35d14c4a\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-8dd5d386a15d35d14c4a\" aria-expanded=\"false\" aria-controls=\"Collapse-8dd5d386a15d35d14c4a\">\n                            \n                            <span class=\"ekit-accordion-title\">9. What advantages are there for us as clients to using self-employed workers?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-chevron-right\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-cross\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-8dd5d386a15d35d14c4a\" class=\"collapse\" aria-labelledby=\"primaryHeading-8-fc117e4\" data-parent=\"#accordion-6a15d35d14c4a\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>There are many advantages to this. To name a few:<\/p><p>Using self-employed people means you don't have to administer employment, social security contributions and insurance. You have an invoice from us to pay and we take care of the rest.<\/p><p>You can hire competent consultants for temporary or short-term assignments without having to worry about personnel management.<\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card\">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-9-fc117e4\">\n                        <a href=\"#collapse-df2fe456a15d35d14c4a\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-df2fe456a15d35d14c4a\" aria-expanded=\"false\" aria-controls=\"Collapse-df2fe456a15d35d14c4a\">\n                            \n                            <span class=\"ekit-accordion-title\">10. What happens if the self-employed person becomes ill during the assignment?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-chevron-right\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-cross\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-df2fe456a15d35d14c4a\" class=\"collapse\" aria-labelledby=\"primaryHeading-9-fc117e4\" data-parent=\"#accordion-6a15d35d14c4a\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>If the self-employed person falls ill, the same rules apply to cooperation agreements as for employees. They are therefore entitled to sick pay after a waiting day. Utbetalning Sverige AB handles this, but you as the customer are responsible for the cost. The self-employed person needs to report their sick leave to you and add this to your invoice.<\/p><p>In some cases, this may mean that the self-employed person cannot complete the assignment as planned, and you may need to discuss compensation options or adjustments to the schedule with the self-employed person.<\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card\">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-10-fc117e4\">\n                        <a href=\"#collapse-0d04bcc6a15d35d14c4a\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-0d04bcc6a15d35d14c4a\" aria-expanded=\"false\" aria-controls=\"Collapse-0d04bcc6a15d35d14c4a\">\n                            \n                            <span class=\"ekit-accordion-title\">11. Can we hire a self-employed person for long-term assignments?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-chevron-right\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-cross\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-0d04bcc6a15d35d14c4a\" class=\"collapse\" aria-labelledby=\"primaryHeading-10-fc117e4\" data-parent=\"#accordion-6a15d35d14c4a\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>Yes, self-employment works for both shorter and longer assignments. We offer up to 2 years per agreement, but you can usually continue to work with the self-employed person afterwards.<\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                                        <\/div>\n    <\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>Fr\u00e5gor &amp; svar Hittar du inte din fr\u00e5ga h\u00e4r nedan, kan du chatta med oss (varje dag kl. 09-23) eller ringa 010-430 01 31 (vardagar kl. 09-17). Oftast f\u00e5r du svar inom ett par minuter. Privatperson F\u00f6retag Privatperson: H\u00e4r f\u00e5r du svar p\u00e5 vanliga fr\u00e5gor som ber\u00f6r privatpersoner som anv\u00e4nder v\u00e5r tj\u00e4nst. 1. Vad \u00e4r [&hellip;]<\/p>","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-21030","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/old.utbetalning.com\/en\/wp-json\/wp\/v2\/pages\/21030","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/old.utbetalning.com\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/old.utbetalning.com\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/old.utbetalning.com\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/old.utbetalning.com\/en\/wp-json\/wp\/v2\/comments?post=21030"}],"version-history":[{"count":141,"href":"https:\/\/old.utbetalning.com\/en\/wp-json\/wp\/v2\/pages\/21030\/revisions"}],"predecessor-version":[{"id":36324,"href":"https:\/\/old.utbetalning.com\/en\/wp-json\/wp\/v2\/pages\/21030\/revisions\/36324"}],"wp:attachment":[{"href":"https:\/\/old.utbetalning.com\/en\/wp-json\/wp\/v2\/media?parent=21030"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}