Technical Connection for Private Payers

If a company wishes to act as a private disburser, there are two ways it can connect to the NemKonto system:

1. via a private account intermediary, or

2. via direct connection.

If the company wishes to connect to the NemKonto system through a private account intermediary, it must contact the desired intermediary directly and enter into an agreement.

You can find an overview of the private account intermediaries here:

Overview of private account intermediaries

If the company connects directly to the NemKonto system, it must act as its own account intermediary.

For a company to be directly connected to the NemKonto system and operate as both a private payer and a private account intermediary, it must hold a license as a:

• bank,

• payment institution,

• e-money institution, or

• insurance company.

In the case of direct connection, the company must follow the technical connection process for private account intermediaries, which you can read more about here:

Technical connection for private account intermediaries

Several private account intermediaries are connected to the NemKonto system. Companies can contact one of these intermediaries to be connected to the NemKonto system as a private payer.

Connecting via a private account intermediary is a straightforward solution that ensures a quick and easy setup, allowing the company to start benefiting from the NemKonto system right away.

The company pays a private account intermediary that is technically connected to the NemKonto system. The intermediary then provides the company with the relevant account information from the NemKonto system, enabling the company to carry out its payments.

Companies must contact a private account intermediary themselves to enter into an agreement for connection.

You can find an overview of the private account intermediaries here:

Overview of private account intermediaries

Companies that wish to join the NemKonto system as private payers engage a private account intermediary that is technically connected to the NemKonto system.

This is a service agreed upon between the company and the private account intermediary. Therefore, the connection procedure and pricing are matters to be settled directly between the company and the intermediary.

You can find an overview of the private account intermediaries here:

Overview of private account intermediaries

Companies are only allowed to make payments to a NemKonto if the recipient’s NemKonto is the correct payment destination and the company has a legal basis to process the recipient’s CPR number in order to retrieve account information from the NemKonto system—such as when the recipient has given consent. This consent may be obtained, for example, when it is agreed that the payment will be made to the recipient’s NemKonto and the recipient provides their CPR number to the private payer.

In addition, before a company retrieves account information from the NemKonto system for the first time, it must notify the recipient that they can, at any time, inform the company that payments should not be made to their NemKonto.

There are also other requirements for companies acting as private payers - for instance, a company may only retrieve account information from the NemKonto system if it intends to make a payment to the recipient within four banking days.

Furthermore, special rules apply if the company is disbursing amounts covered by Section 513 of the Danish Administration of Justice Act (retsplejeloven).

You can read the requirements in the NemKonto Act here.

You can read the requirements in the Executive Order here.