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Here you can find the answers to common questions asked about how Cappy and flexible pay works for employees.

Flexible pay from Cappy

Why is flexible pay good for me?

Cappy is a service to offer flexible pay to you as an employee. The service allows you to track your worked time and earned pay, and gives you the possibility to withdraw a part of your earned pay when you need it between paydays. Available to you around the clock, every day of the year, in a user-friendly mobile app.

Cappy gives you control over your pay, a stronger connection between work and reward, and the security of being able to use your own money on your terms and when you need them.

  • You don’t have to wait for your pay or worry about unpaid and unforeseen expenses between paydays.
  • You can use your own money as soon as you have earned them instead of taking expensive loans.
  • You can avoid surprises over how much or little your pay is on payday.
  • You can directly see the link between work and pay.

All employees at connected employers! You only need to be 16 years old before you can activate fleixlble pay and make withdrawals from your earned pay.

If you employer isn’t connected to offer Cappy as a benefit yet, let them know about us or recommend your employer to us in our form on our website.

Cappy supports pay from multiple employers. All employers connected to Cappy will show up in the app and you can easily select which employer you want to see and withdraw earned pay from.

No, Cappy is not a loan or a credit. It only gives you access to already earned pay so there is no need for a credit check.

Getting started

What do I need to get flexible pay?

The Cappy-app is available for both iOS and Android and is downloadable directly from Apple App Store and Google Play Store.

Read more and download the app to your mobile phone to get started.

Open the Cappy app on your mobile phone and click log in. Follow the instructions in the BankID app to log in to your Cappy account.

We only support Mobile BankID installed on the same device to log into the app.

As soon as your employer has connected to Cappy, you can download the app to your mobile phone. You log into the app securely using BankID and provide your mobile number connected to Swish so that we can make instant payouts of withdrawals and pay to you.

You do not need to update your bank account details with your employer, Cappy automatically uses your Swish-connected bank account for all payouts.

Finally, your employer needs to activate you, it can be directly but sometimes take a couple of days so be patient. When the activation is complete you will get a notification that the service is ready to use.

Sometimes it can also take a little while before all information about your work and pay is available in the app.

No worries, Cappy works fine even if you have different mobile numbers for calls/texts and Swish.

However, you need be able to receive a text message to your Swish-connected mobile number so that we can verify that you own that number and that it is correct.

You can do this using a SIM-card for the mobile number connected to Swish, or using a web portal from your operator.

Contact customer service if you need help to activate an alternative mobile number for Swish-payouts with Cappy.

Track pay

What information about pay can I see?

Worked time includes shifts with hourly wages and part of month with monthly salary. The earned pay shown in the app normally includes base pay from wages and salary, and overtime compensation as reported by your employer. Read more about the app and how it looks and works on our employee page.

The earned pay shown in the app normally includes base pay from wages and salary, and overtime compensation as reported by your employer.

Vacation pay is included for some employers, ask your employer what their configuration includes.

Other compensation such as bonuses, travel costs and reimbursements is normally not included, but depends on the actual employer setup.

If your earned pay is not updated, check that you have reported and registered your time correctly with your employer.

The information in the app can sometimes have a delay depending on when and how you have worked and reported your time, and if your manager needs to attest your time before it can be used in the Cappy app.

Sometimes the earned pay in the app does not match your expectations, it is always an estimation and calculation based on the information about time, pay and tax that we receive from your emplopyer, and it is natural that there is a slight difference.

The app and the payslip show different parts of your income, and your transactions in the Cappy app are not always reflected on your payslip. Withdrawals made the same month as the payday are only seen in the app, whereas withdrawals made the month before payday are visible on your payslip.

Your payslip will show you total income, including all amendments and deviations, and your preliminary deductions for tax and withdrawals from the month before payday.

The Cappy app will show you net pay for wages and salary, including overtime compensation and deviations when it is possible. In the app you can also see all withdrawals with Cappy and related fees, regardless when in time they are made.

For each payday you can access a part of your earned pay, normally 50 % or up to 20 000 kr, and withdraw the money directly in the app using Swish. The limit for how much you can withdraw is set together with your employer.

The part of your earned pay that you cannot withdraw is visible as reserved in the app and paid out to you automatically and free of charge on the payday, together with the rest of your earned pay that you haven’t withdrawn in advance.

Withdraw pay

How do withdrawals with Cappy work?

No, this is not a loan. With Cappy we instead hope you can avoid having to take loans and instead use your already earned money which are not paid to you yet.

When your employer has connected to Cappy you can see worked time and earned pay directly in the app. There you can easily make withdrawals which are paid out instantly to your bank account using Swish.

For each payday you can access a part of your earned pay, normally 50 % or up to 20 000 kr, and withdraw the money directly in the app using Swish. The limit for how much you can withdraw is set together with your employer. The smallest amount to withdraw is normally 100 kr.

When your employer has connected to Cappy, the only thing you need other than the Cappy app is BankID and Swish to be able to track your pay and make secure instant withdrawals from your earned pay when you need it.

You can make as many or as few withdrawals as you like to be able to use your earned pay when you need it. Cappy is 100 % volontary and sets no requirements for usage.

Cappy’s service is available around the clock all days of the year and the payouts are done using Swish so that you will have your money in your account within just a few seconds.

Every withdrawal is related to earned pay for a specifik payday. Deductions for any withdrawals are done automatically when you receive pay on the related payday.

There are a few situations which pause the withdrawal function in Cappy for short durations. This is due to administrative and tax related rules, and are different for different employers.

If you have more questions about why the withdrawal function can be paused, contact customer service.

All authenication and signing uses BankID for maximum security. Payouts with Swish ensures that personal identification number and mobile number are valid so that payouts always go to the right person. We use encryption and protect all information that is sent and stored in the service.

You as an employee always make your withdrawals net, meaning you receive the entire amount that you have chosen to withdraw to your bank account.

Depending on when the withdrawals are made they are handled differently for tax reasons. All this is managed by Cappy and all information about your withdrawals is always available in the app.

The part of your earned pay that you do now withdraw before payday is paid out to you using Swish automatically and free of charge on the payday.

Personal invite code

How can I help my colleagues get started?

When you want to invite colleagues using your personal code you can find it using the gift icon in the top left corner on the pay screen. You can copy and send the code yourself, or use the share function in the app to easily send the code to your colleagues.

You can invite as many colleagues as you like. For each colleague that uses your code when activating Cappy both you and your colleague will get a free withdrawal.

When you want to share your code to a colleague you can find it using the gift icon in the top left corner on the pay screen. You can copy and send the code yourself, or use the share function in the app to easily send the code to your colleagues. You will get a free withdrawal for each colleague that uses your code when activating Cappy.

When you have received an invitation code and want to use it when registering for Cappy, you download the app and login with BankID as usual, but before starting the welcome guide you select that you have received a code and enter it before you continue. As soon as you have activated Cappy with an invitation code, you will get a free withdrawal as a welcome gift.

When you have free withdrawals available they are used automatically when you make a withdrawal, just click withdraw money on the pay screen.

You can find the information about how many free withdrawals you have using the gift icon in the top left corner on the pay sreen. You will also always get information about having free withdrawals on the account screen or when you make a withdrawal.

You can save your free withdrawals until you need access to your earned pay. There is no expiration date.

Other

More questions and thoughts

The most common reason for delayed pay payout is that your Swish number is invalid. In this case we will send you a text message so that you can correct the number. As soon as you have changed to a valid Swish-number in the app, the pay will automatically be paid out to you. Contact customer service if you have more questions regarding this.

When you use Cappy you always need to make sure that you have an updated and valid Swish number connected in the app. If you change bank, bank account or in any other way make changes without changing your Swish number, you do not need to make and changes for Cappy.

If you leave an employment and no longer have any employer offering Cappy, you still keep your account and the possibility to see your history in the app. If a future employer offers Cappy you can continue using the app with the same account.

We always strive to offer valuable services to our users. If you are missing a feature or find something is not working as it should, please send your feedback to feedback@cappy.se and let us work out a solution.

If you are changing employer to one that does not offer Cappy yet you do not need to close your account with us. You will keep all your history and will get a faster start with your next employer that offers Cappy. You can keep the account free of charge while waiting for the next connected employer.

If you for any other reason would like to close your account, you can find it under settings in the app. Your account will be closed within 30 days from us receiving your request, or as soon as any withdrawals and payouts have been reconciled. During this period you cannot make new withdrawals. If you regret your closing of your account you can reopen it again during this period.

When your account is closed we will handle your information according to our privacy policy and other oblitations to laws and authorities. You will get a confirmation as soon as your account is closed and your information has been handled.

If you have questions about how to close your account or about what happens when you close your account, contact customer service for personal assistance.

We are here for you

Can't find the answer to your question? Contact us.

Customer Service

User Support

If you cannot find answers to your questions among our common questions and answers that we gathered above, you can always contact our customer service to get personal assistance with your issue.

Use the form below or send your question to support@cappy.se to open a ticket with customer service.

We answer as soon as we can between 09.00-17.00 on business days, but no later than two working days from receiving your issue.

Customer Service

Business Support

You can always contact our customer service to get personal assistance with your issue.

Use the form below or send your question to support@cappy.se to open a ticket with customer service.

We answer as soon as we can between 09.00-17.00 on business days, but no later than two working days from receiving your issue.

Customer Portal

When logged in to the customer portal you can find more information and manage the service.

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