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When a merchant or invoice provider is using Neonomics to initiate direct bank payments from your bank account, Neonomics shows a digital certificate of trust (QSEAL) to the bank (otherwise the banks will not allow payment). Although you have paid through your merchant or invoice provider, it is whoever holds the certificate that initiates the payment and whose name will show on the bank statement. The certificate is issued by Buypass and is issued based on the license we hold from the Norwegian Financial Supervisory Authority (FSA).

Neonomics is a Norwegian payment institution licensed by the Financial Supervisory Authority of Norway. We are connecting customers in real-time to the next generation of financial services through our secure connection to the banks’ core systems, enabling services using an open Application Programming Interface (API). This is a way of communicating with the banks’ core system and the way Neonomics can provide the Payment Initiation and Account Information Services.

When you initiate a payment using a merchant or invoice provider, you first have to provide consent authorized with Secure Customer Authentication (BankId, NemId or similar) which allows us to connect to your personal bank account. Then you must provide another consent authorized with Secure customer authentication to make a payment from that account (using Neonomics’ Payment Initiation Service). Your consent instructs us to initiate a payment on your behalf, from your personal bank account.

Yes, it is secure to use Neonomics.

When you initiate a payment using a merchant or invoice provider, you first have to provide consent authorized with Secure customer authentication (BankId, NemId or similar) which allows us to connect to your personal bank account. Then you must provide another consent authorized with Secure customer authentication to make a payment from that account (using Neonomics’ Payment Initiation Service). Your consent instructs us to initiate a payment on your behalf, from your personal bank account.

When Neonomics Account Information Services are used by the merchant or invoice provider, we are sending a request to the bank to retrieve account information. In this request, the bank will provide account details of specific accounts (only for those where you have provided consent), including balance and transaction history. However, just because the bank provides this information, does not mean that the merchant or invoice provider you are using, will hold this information. For information on how your service providers process your data, please refer to their terms and conditions. Neonomics is fully committed to protecting your individual rights and keeping your personal data safe. Please see our privacy policy for more information on how we collect, process and store data.

Fill out the form below, or you can chat with one of our collegues here in the chat.

You can contact our Data Protection Officer (DPO) by filling out the form below.

You can contact us by filling out the form below.

Contact your bank. Depending on why this happened, it is their responsibility to refund your money.

You can fill out the form below if you need additional information or support. We are always happy to help you.

Whenever you wish to provide transaction details to a provider of a service that uses our technology, Neonomics will ask your bank for consent to share that data with us, so that we can provided the necessary data to the service provider. In practice that means you give your bank a consent to share this information with us, and most banks’ displays these consents in their online bank so that you can easily be aware of them, and manage them.

The minimum consent duration the banks offer is 90 days. You can safely withdraw this consent at any time. If the service you want to use requires it, you will be asked to provide such consent again when your initial consent expires.

Neonomics will only initiate a payment from your account, and it is the responsibility of the bank to execute the payment and inform us about the payment status.

Depending on the receiving bank and the transfer type it will take anything from almost instant, to a few hours or maybe even a few days. It is not uncommon that it takes a while.