The FAQ's

Help Center

Here you'll find answers to common questions about payments, account issues, and more. Let’s get you back on track.

General questions

Payments

Transactions

Bank issues

User Profile

Privacy

Security

What is Nello Pay, Neonomics and Open Banking?

Neonomics

Neonomics is a leading Nordic open banking provider originating from Oslo, Norway, with headquarters in Sweden and Finland. Our goal is to create intuitive financial products for both businesses and customers.

About Neonomics

And what is Open Banking?

Open banking allows licensed payment providers, like us, to make direct account-to-account payments from your bank account straight to the merchants’. We work under an EU regulation known as PSD2 that fosters more choice, innovation and enhanced security in payments services.

About Open Banking

What is Nello Pay and how does it work?

Nello Pay is a forward-thinking payment method. Nello Pay incorporates pay by bank - a faster, safer and easier way to pay, into everyday payment methods. Pay by bank utilises open banking technology to facilitate payments directly from your bank account – without the need to use a card.

It's easy peasy, lemon squeezy 🍋

Click the payment button provided by the business. When you're ready to complete your purchase, select the "Pay by Bank" option.
Select your bank: You’ll see a list of trusted banks—select yours, and you'll be redirected to your bank’s secure authentication page.
Complete the payment securely: Select the account you would like to pay from and authorize the payment the same way you normally do a payment such as with a PIN, faceID, BankID or similar.

Your payment will go directly from your bank to the business—safe and simple!

About Nello Pay

What is Nello AI?

Nello AI is a Personal Finance Management app from Neonomics that leverages open banking and generative AI to improve how we budget, save and manage our finances. It will be available to consumers, banks and businesses in 2025.

Explore Nello AI Join the Waitlist

Are there any fees to use your service?

Short and sweet — No.

When you pay by bank or card, the transaction fee is paid by the business or merchant you are paying. Pay by bank is a substantially less expensive alternative for businesses, compared to card payments. Card payments are also subject to interest rates and fees that are part of your agreement with your card provider and are outside of this payment process.

As a responsible payment provider, we try to keep the rising cost of card transactions as low as possible for the businesses and merchants that use our services. Offering cost-effective alternatives, like pay by bank, is one of those ways.

Why are Neonomics’ social media channels the best on the internet?

Because they’re run by a certified Gen Z professional who know how to make a payments company look cooler than your favorite influencer.

Expect chaos, dance moves, and oddly relatable finance content.

Don't take my word for granted. See if for yourself.

Voir cette publication sur Instagram

Une publication partagée par Nello (@meetnello)

Are finance guys... hot? Like, objectively?

We’re not saying it. The data is.

Statistically speaking, people who understand APIs, PSD2, and compound interest just radiate a certain je ne sais quoi 💼🔥

Want proof? Check our dev team’s GitHub. Or don’t. They’re shy.

What’s the vibe at Neonomics?

Imagine a fintech startup…

Now give it good taste in memes, a love for Norwegian waffles, and a serious obsession with smooth payments.

That’s us.

@neonomics_life WOW Moments are made by WOW People 🚀✨🫰🏼#neonomics #openbanking #fyp #fintech #wow #theoffice #officevibes ♬ original sound - neonomics_life

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How does a payment with Neonomics work?

When you initiate a payment using a merchant or invoice provider, you first have to provide consent authorized with Secure Customer Authentication (BankID, MitId or similar), which enables a secure connection to your personal bank account.

You must then provide another consent authorized with Secure Customer Authentication to make a payment from your chosen account (enabled through Neonomics’ Payment Initiation Service). Your consent instructs us to initiate a payment from your personal bank account, on your behalf.

If you have questions, we’re happy to help clarify.

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Hackathon 2025︱Building the future, together 🚀

Grafisk Digitale + Neonomics: Smarter Nordic Payments

Help Center

General questions

Payments

Transactions

Bank issues

User Profile

Privacy

Security

What is Nello Pay, Neonomics and Open Banking?

What is Nello Pay and how does it work?

What is Nello AI?

Are there any fees to use your service?

Why are Neonomics’ social media channels the best on the internet?

Are finance guys... hot? Like, objectively?

What’s the vibe at Neonomics?

How does a payment with Neonomics work?

If I pay with Neonomics, when does the payment go through?

You charged me, but I’ve never heard of you — what’s going on?

I have been deducted multiple times for the same transfer. What do I do?

Why haven’t I received my money yet?

How do I delete a scheduled payment?

How do I see my transactions?

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What is the Neonomics User Profile and what are the benefits of having a profile?

Why do we ask to save your information in Neonomics User Profile?

How do I connect another bank account?

I forgot my password. How can I reset it?

How do I change my password?

My account is locked. What should I do?

How do I delete my account?

What data does Neonomics process about me?

Why does Neonomics need my data?

Why does Neonomics ask for transaction history, and how do you use it?

How does Neonomics use and store data?

Will you keep my data for a long time?

How can I see what data you have about me?

How can I request to delete my data?

Where can I learn more about your legal framework?

Is Neonomics safe and secure to use?

How safe and secure is to pay by bank?

How is it regulated?

How does Neonomics use and store data? 