Many organisations in Sweden still carry a heavy invoice burden for recurring payments. Printing, distributing, matching and reminding all take time, and every manual step introduces friction for customers and cost for your team. While consumers can register Autogiro in their online bank, it requires effort at a later stage, so many simply stick with invoices.
Waytobill’s Payment Method Switch (PaySwitch) changes that. It lets customers pay the current invoice by direct debit and set up an Autogiro mandate for all future payments, within one short, secure flow.
What PaySwitch does
PaySwitch meets customers where they already are: on the invoice.
- Email invoices include a link inviting the customer to “Pay by Autogiro”.
- PDFs and digital mail (e.g., Kivra) include a QR code that opens the same flow on mobile.
From there, Waytobill’s fully digital Autogiro onboarding takes over.
The customer flow (simple, fast, secure)
- Review (no typing required)
Because the flow is initiated from an invoice, personal details (name, address, etc.) are pre-filled from Waytobill’s records. The customer simply reviews and confirms.
- Pick an account via open banking
The customer connects to their bank, views their accounts, and selects which account to use for Autogiro. No need for manual entry of account numbers, reducing errors to near zero.
- Sign with BankID
The mandate is signed digitally with BankID, the everyday authentication method most Swedish consumers already trust.
What happens next: Waytobill creates the new Autogiro mandate and converts all outstanding invoice payments to direct debit, including overdue invoices currently in a retry cycle. The first withdrawal is typically executed in the following days.
Why this matters
- Less effort for customers
No separate bank visit, no forms, no typing. Just review, choose an account, and sign.
- Fewer manual processes for your team
Autogiro eliminates the repeated tasks tied to invoicing, reminders and payment matching.
- Higher payment reliability and longer customer tenure
Automated payments reduce missed due dates and lower churn risk, supporting stronger lifetime value over time.
Fully automated for merchants
PaySwitch is available to new and existing Waytobill merchants. We can onboard large volumes of active invoice orders and begin offering customers a convenient conversion path with every payment touchpoint.
Waytobill manages the end-to-end flow:
- Invoice distribution across multiple channels (email, digital mailbox, print, e-invoice, etc.).
- Digital mandate registration and BankID signing.
- Payment submission to Bankgirocentralen under the new mandate.
- Automatic conversion of outstanding and future invoices to Autogiro once the mandate is in place.
The result is a hands-off, scalable process that continuously moves invoice customers to direct debit, without adding work for your team.
Early results
One of our merchants began with approximately 2,000 active Autogiro mandates. Within just six months of introducing PaySwitch, they were able to convert around 500 existing invoice payers into new Autogiro mandates — representing a 25% increase in automated payments.
These results came without extra marketing spend or incentives, purely by making the switch to Autogiro seamless within the invoice experience. This meant lower processing costs, fewer overdue payments, and an immediate improvement in operational efficiency.
Getting started
If you’re looking to reduce invoice administration, improve payment reliability and increase customer retention, PaySwitch offers a proven, low-friction route. Speak with our team to see how it could work with your current set-up and CRM, and how quickly you could begin converting invoice customers to Autogiro.