Buy now.
Pay later.
Get the item immediately. Pay when it suits you - always interest-free with a 14-day deadline.
Invoyo Pay
Faktura #INV-1847
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Increase sales with
flexible invoicing
Customers verify with SMS code, and you can ship immediately. Invoice sent via SMS with 14-day terms.
Conversion rate
Get paid faster with
smart collection
Professional follow-up of overdue invoices — from friendly reminders to collection notices. All in your name, fully automatic.
Resolved before collection
87%
Calculate your gains with Invoyo
Adjust the parameters to your business and see what you can earn extra each month
* Estimate based on 35% conversion increase and current fee rates for Norway (H2 2025). Reminder fees calculated with average 1.3 reminders. Late interest calculated on average 25 days. Actual results vary.
The Collection Landscape
Many small claims can be resolved more easily
Every year, millions of small claims are sent to collection agencies — often because the business lacks the tools to follow up themselves. For many of these cases, there is a faster and more affordable path: self-collection.
«Most collection cases involve small amounts under kr 10,000. With the right tools, many of these can be resolved early — with lower costs for all parties.»
Source: Financial Supervisory Authority — "Reported collection figures for 2024" (published April 2025)
Did you know?
The law has given you the solution — for over 30 years
The Debt Collection Act gives every business the right to collect their own overdue claims. Without a license. It's called self-collection — and it's the first step before any escalation.
When you handle collection yourself, the customer pays a maximum of kr 175 in fees. You keep the fees — and the customer relationship.
The government is working to reduce collection fees. But the law already gives you the opportunity to handle simple cases yourself — and Invoyo automates the process.
Rates for claims between kr 2,500 – 10,000. Source: Collection Regulation.
Our mission
First step —
solve it simply first.
Invoyo automates what Norwegian law already gives you the right to do. We send reminders, collection notices, and payment demands — legally, timely, and with the correct deadlines.
Your customer pays a maximum of kr 175 in fees. You keep the fees and the customer relationship. And the best part: most customers pay after the first reminder.
For society
Fewer people in debt crisis. Lower fees. Less burden on the enforcement system.
For the business
Keep the fees yourself. Faster payment. Full control over the process and customer relationship.
For the customer
Max kr 175 in fees with self-collection. Friendly reminders. Dignity preserved.
Checkout in seconds, not minutes
The customer just enters their mobile number and confirms with an SMS code. No registration, no passwords, no complicated forms.
- Just mobile number — done
- No online banking or BankID needed
- Works on all devices
Progressive credit limit per customer
Each customer starts with a safe credit limit of 1,000 kr. As they pay on time, the limit automatically increases up to 3,000 kr.
- Starts at 1,000 kr after SMS verification
- +500 kr after first paid invoice
- Max 3,000 kr — you set the cap per store
Never chase payments manually again
When an invoice becomes overdue, Invoyo takes over. We send friendly reminders, formal dunning notices, and collection notices — all in your name.
- Soft reminder day 1 after due date
- Formal reminder day 7
- Collection notice day 14 (self-collection)
Customers choose their own payment method
When the invoice is due, the customer pays with their preferred method. Vipps, card, Swish, or direct bank transfer with KID number.
- Vipps, Swish, card, or bank
- Automatic reconciliation via OCR
- Customer pays when it suits them
Your dashboard for invoice management
See all invoices, payment status, and incoming payments — all in one place. Export reports and keep track of cash flow.
- Real-time overview of payments
- Automatic OCR import from bank
- Export to accounting system
One platform. The entire flow.
From checkout to payment — with automatic follow-up if needed
What our customers say
Results from Norwegian online stores
“Our conversion rate increased by 23% after adding Invoyo. Customers love how simple it is.”
“Finally a checkout that doesn't scare away customers. Average order has increased by 800 kr.”
“We had 40% abandonment at checkout. With Invoyo we're down to 12%. Enormous difference.”
Simple pricing. No surprises.
No setup fee. No binding period. Choose the plan that fits your business.
+ 3 kr per invoice
Self-collection from 9 kr/process
For businesses getting started with self-collection.
- 10 invoices/month included
- Self-collection via email
- Automatic reminders
- Dashboard and reports
+ 2 kr per invoice
Self-collection from 7 kr/process
For growing businesses with higher volume.
- 100 invoices/month included
- All collection channels
- Vipps and Stripe
- Priority support
+ 1 kr per invoice
Self-collection from 5 kr/process
For large businesses with dedicated support.
- 1,000 invoices/month included
- Everything in Growth
- AI analytics included
- White-label solution
All prices excl. VAT. Higher volume? Contact us for custom pricing.