Always on demand.
What’s in it for you? A lightning fast, easy to use, conversion driven payment solution – authorised and supervised by FI, Sweden's Financial Supervisory Authority.
Zimpler living
(Btw, we only collect data that’s relevant, specifically  to your business) Also, did we mention we’re lightning fast?
Payouts
Payouts (B2C)
Initiate secure and instant payouts directly to your customer’s bank account. The result: very happy customers. How does it work? We open accounts in banks across Europe and Latin America, allowing us to send and receive funds in real-time. So, what’s the big deal? Let’s say one of your customers has booked a vacation using Zimpler. Due to unforeseen circumstances, they cancel the booking and want a refund. No problem, the money is credited to the customer's account in the blink of an eye. It’s much faster, easier and safer than traditional card payments.
Let's talk
Pay-ins (B2C)
Perhaps we should’ve called this product Get Paid Now – because payment is immediate. On-boarding takes just 2-3 days, and then you’re good to go. And you can sell high-value goods or services (up to €15000) directly from your website. Customers pay with funds available in their bank accounts. What about special demands? No problem. We’re flexible and always ready to adapt. Our job is to make it work for you – seamlessly and securely.
Book a meeting
Pay-ins
free connections
Managing your business gets hell of a lot easier (and probably more fun) with our ready to scale and globally proven open banking solutions. Zimpler provides instant and hassle free connections to thousands of banks, so you can focus on growing your business - Ain't that something?
Find out more
hassle free
Managing your business gets hell of a lot easier (and probably more fun) with our ready to scale and globally proven open banking solutions. Zimpler provides instant and hassle free connections to thousands of banks, so you can focus on growing your business - Ain't that something?
Find out more
Customized UI
When you buy a payment solution from Zimpler, it’s yours in every way. You can personalize the user interface with your own design, colors and font, strengthening the brand experience for your customer – from check-in all the way to check-out. This solution not only adds a nice touch to your overall flow, it will also boost your conversion rates.
B2C Select Account
Link your customers and their respective bank accounts to initiate instant payments – with just one click. If you’ve identified customers to whom you make regular payments, this product will make your life much easier. Not only does it create excellent opportunities for cross- or up-selling, you’ll also eliminate the risk of manual error during transfer. And thanks to exceptional server uptime (99.5%), your customers won’t experience lag or disruptions.
Customer Identification
The difference between success and failure lies in knowing who your customers are. Customer Identification is built into our products, but can also be purchased separately. What makes it a must have? It lets you know who you’re dealing with. That means you don’t have to risk transacting with someone who might be subject to sanctions, a politically exposed person or known to be involved in criminal activity. If there’s anything suspicious Customer Identification flags it immediately.
 What’s more, it’s easy for your customer to get on-boarded because there are no detailed registration forms to fill in. The system comes with built-in integrity; it doesn’t collect unnecessary (and intrusive) information, just the basics like name, address, account number and ID details.
1/3
Customized UI
When you buy a payment solution from Zimpler, it’s yours in every way. You can personalize the user interface with your own design, colors and font, strengthening the brand experience for your customer – from check-in all the way to check-out. This solution not only adds a nice touch to your overall flow, it will also boost your conversion rates.
B2C Select Account
Link your customers and their respective bank accounts to initiate instant payments – with just one click.If you’ve identified customers to whom you make regular payments, this product will make your life much easier. Not only does it create excellent opportunities for cross- or up-selling, you’ll also eliminate the risk of manual error during transfer. And thanks to exceptional server uptime (99.5%), your customers won’t experience lag or disruptions.
Customer Identification
KYC stands for Know Your Customer. That knowledge is often the difference between success and failure. KYC is built into our products, but can be purchased separately.What makes it a must have? It lets you know who you’re dealing with. That means you don’t have to risk transacting with someone who is currently on a sanctions list or known to be involved in criminal activity. If there’s anything suspicious, KYC flags it immediately.
What’s more, it’s not a headache for your customer to get on-boarded – there are no detailed registration forms to fill in. And the system comes with built-in integrity; it doesn’t collect unnecessary (and intrusive) information, just the basics like name, address, account number and ID details.
Payouts
(B2B)
Book a meeting
Initiate instant payouts to your vendors’ and suppliers’ bank accounts. Forget raising invoices, purchase orders and unnecessary admin costs. Zimpler allows you high transaction limits and easy-to-integrate solutions with all the necessary checks and verifications in place. Peace of mind is built-in.
Talk with a B2B expert
Pay-ins
(B2B)
Schedule a meeting
Collect regular or ad hoc payments instantly from your vendors or partners. Working with high value goods? No problem. Thanks to Pay-ins, users can initiate transactions well above the usual value limits. It’s efficient, too. Because you don’t have to deploy personnel to process invoices and purchase orders, you cut administrative costs. All in all, it’s a no-brainer.
Schedule a Meeting
Paying by card is very convenient.
For fraudsters and scam artists.
Zimpler operates in a real-time banking environment with no dependence on credit/debit cards. At Zimpler, we use the latest bank authentication methods to ensure each transaction is as secure as possible. The result? Fraud is not an issue.
The real reason
why security matters
Security is at the heart of everything we do at Zimpler. The main differentiator between open banking and using credit or debit cards is the knowledge of who your customer actually is. That knowledge is often the difference between success and failure. We have imposed a state-of-the-art monitoring system onto all our products to prevent fraudulent transactions, and to offer robust protection. That means you don’t have to risk transacting with someone who might be subject to sanctions, a politically exposed person or known to be involved in criminal activity. If there’s anything suspicious, our AI system flags it immediately.
A second crucial aspect of Zimpler security is that we aim to provide full transparency with all banking partners, meaning all background check documentation and processes are open for our partnering banks to review. Behind the set, we conduct risk-based onboarding and continuous customer due diligence, consistently working to prevent fraud and money laundering.

Zimpler is authorised and supervised by FI, Sweden's financial supervisory authority, meaning we follow strict rules and standards to keep all data and processes secure.
Secure your business
Business benefits
We offer Zimpler and faster payment solutions for your business, using top-of-the-line security measures while saving you time between transactions. What else? You benefit from stronger relationships with your customers, and they in turn experience a lightning-fast and seamless payment process associated with your company. Here’s a quick breakdown:
01
Lightning-fast
With unmatched reliability, our open banking services are at the forefront of innovation in helping your business grow. We provide instant account-to-account payment flows – no matter the demands of your business.
02
Safe
A payment solution with world-class security. We’re much faster, easier and significantly safer than traditional card payments. Authorised and supervised by FI, Sweden's financial supervisory authority.
03
Easy integration process
Thanks to an easy registration process, customers only need to use bank verification methods such as BankID to get registered on your website. Meaning your business can onboard and engage with customers quickly, resulting in happy faces on both ends.
What people think.
“We’re very satisfied with the adjustability...
“We’re very satisfied with the adjustability and Zimpler being flexible with their products. Besides a great product we highly appreciate the relationship we have established, where we never feel forgotten.
Robert Olkinuora,
CEO, Rabble
"Zimpler has done a great job simplifying our...
"Zimpler has done a great job simplifying our payment flows. In addition, we had the opportunity to have a payment experience that was completely suited to our own brand and design, which has been highly appreciated among our members.”
Stina Jansson,
CMO, Brommapojkarna
“Offering a flawless and safe payment...
“Offering a flawless and safe payment option to our customers is crucial for the business. The instant deposit and withdrawal solutions from Zimpler have made our brand more attractive and helped us build customer loyalty. Our flagship brand has reached new heights thanks to Zimpler. Together with the KYC compliant solution we couldn’t be more happy. It is the solution that’s taken our business to a different level”
Kanon Gaming
Chief Technology Officer,
What people think.
“We’re very satisfied with the adjustability and Zimpler being flexible with their products. Besides a great product we highly appreciate the relationship we have established, where we never feel forgotten.
“We’re very satisfied with the adjustability and Zimpler being flexible with their products. Besides a great product...
Robert Olkinuora,
CEO, Rabble
"Zimpler has done a great job simplifying our payment flows. In addition, we had the opportunity to have a payment experience that was completely suited to our own brand and design, which has been highly appreciated among our members.”
"Zimpler has done a great job simplifying our payment flows. In addition, we had the opportunity to have a payment...
Stina Jansson,
CMO, Brommapojkarna
“Offering a flawless and safe payment option to our customers is crucial for the business. The instant deposit and withdrawal solutions from Zimpler have made our brand more attractive and helped us build customer loyalty. Our flagship brand has reached new heights thanks to Zimpler. Together with the KYC compliant solution we couldn’t be more happy. It is the solution that’s taken our business to a different level”
“Offering a flawless and safe payment option to our customers is crucial for the business. The instant deposit...
Kanon Gaming,
Chief Technology Officer
Let’s work together
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© Zimpler AB 2012 — 2023
Zimpler AB (corporate identity number 556887-9984) is an authorized Swedish payment institution under the supervision of the Swedish Financial Supervisory Authority (Finansinspektionen), registered business address at Döbelnsgatan 12, 113 58 Stockholm, Sweden. Zimpler AB conducts payment services in accordance with the Swedish Payment Services Act (2010:751) and Directive (EU) 2015/2366 on payment services (PSD2) and can provide cross-border payment services within the EU/EEA.

Zimpler's Privacy Policy

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Zimpler AB, org.no 556887-9984, with registered address at Döbelnsgatan 12, 113 58 Stockholm (”Zimpler”, “we”, “us” or “our”) is an authorised payment institution that offers payment services under the supervision of the Swedish Financial Supervisory Authority.

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Zimpler cares about your privacy and we want you to feel safe in our processing of your personal data, which we need to do indifferent ways when we perform our services to you. In this policy you will learn about the personal data we collect, how we use it, your rights and how you can invoke them and the measures we take to keep your personal data safe. We continuously work to ensure that your data is processed and protected in accordance with the General Data Protection Regulation (EU) 2016/679 (the“GDPR”) and other applicable legislation.

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If you apply for a job at Zimpler, to get information on our processing of personal data visit this page.

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If you have any questions to us, or feel you need any part of this policy explained, please contact us at gdpr@zimpler.com.

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1. DEFINITIONS

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In this privacy policy, personal data, data subject, legal basis, controller, processor and other by the GDPR defined terms have the same meaning as ascribed to them in the GDPR. Further, the terms below have the following meaning.

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    ●      Business Representative – means you who work for e.g., a service provider that we have hired or a             Merchant that has chosen or is considering Zimpler as its payment service provider.

    ●      End User – means a natural person who uses our payment service, or any related service provided by us, for             payments to or from Merchants.

    ●      Merchant – means goods or service providers that use us as their payment service provider for the purpose             of making payment transactions to or from their customers (End Users).

    ●      Pay-In – payment initiation or direct debit whereby a payment transaction is made from the End-User’s bank             account toa Merchant’s bank account, enabling you to pay directly for goods and services from your bank             account.

    ●      Pay-Out – payment transactions from aMerchant’s bank account to your bank account, enabling you to             quickly and safely get e.g., refunds for returned goods.

    ●      Website visitor – means you who visit our website or contacts our customer support.

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Personal data is defined in the GDPR as any information relating to an identified or identifiable natural person. In this privacy policy we therefore describe the personal data we collect and process about Business Representatives, End Users, and Website visitors (“you”, “your” or “yours”).

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2. ROLES AND RESPONSIBILITIES

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Zimpler is the data controller for the personal data we process to perform our business activities, which includes your use of our payment service. Please note that your payment account provider (normally the bank where you hold the account used for payment transactions initiated through Zimpler) and the Merchant you are transacting with are separate and independent controllers for the processing of personal data in connection with their business activities and the products and/or services they provide to you. For information on their processing of your personal data, please contact them directly.

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3. YOUR RIGHTS

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In accordance with the GDPR you have several rights regarding our processing of your personal data, which you can read about below. If you wish to exercise any of your rights, please contact us at gdpr@zimpler.com.

You can read more about your rights at the SwedishAuthority for Privacy Protection’s website.

 

3.1.  Right to information and access

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You have the right to know if we process personal data about you. If we do, you also have the right to receive information about the personal data we process and why we do it. You also have the right to receive a compilation of all personal data we have about you.

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If you are interested in specific information, please indicate so in your request. For example, you can specify if you are interested in a certain type of information (e.g., what contact and identification information we have about you) or if you want information from a certain time period.

 

3.2.  Right to have erroneous data corrected

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If the data we have on you is incorrect, you have the right to have it corrected. You also have the right to supplement incomplete information with additional information that may be needed for the information to be correct.

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Once we have corrected your data, or it has been supplemented, we will inform those we have shared your data with about the update, if it is not impossible or too cumbersome. If you ask us, we will also tell you who we have shared your data with.  

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If you request to have data corrected, you also have the right to request that we limit our processing during the time we investigate the matter.

 

3.3.  Right to have data deleted

 

In some cases, you have the right to have your data deleted. You have the right to have your data deleted if:

 

●      The date is no longer needed for the purposes for which we collected it,

●      You withdraw your consent, provided that the processing is based on your consent,

●      You oppose the use that is based on our legitimate interest and we cannot show compelling grounds that         outweigh your interests,

●      The personal data has been used illegally, or

●      Deletion is required to fulfil a legal obligation.

 

If we delete data following your request, we will also inform those we have shared your data with, if it is not impossible or too cumbersome. If you ask us, we will also tell you who we have shared your data with.  

 

3.4.  Right to restriction

 

In some cases, you have the right to request restriction of our use of your personal data. Restriction means that the data may only be used for certain limited purposes. The right to restriction applies:

 

●      When you believe the data is incorrect and you have requested correction. If so, you can also request that we         limit our use while we investigate if the data is incorrect or not,

●      If the use is illegal but you do not want the data to be deleted,

●      When we no longer need the data for the purposes for which we collected it, but you need it to be able to         establish, assert or defend legal claims, or

●      If you object to the use. If so, you can request that we limit our use while we investigate if our interest in         processing your data outweighs your interests.

 

Even if you have requested that we restrict our use of your personal data, we have the right to use it for storage, if we have obtained your consent to use it, to assert or defend legal claims or to protect someone’s rights. We may also use the information for reasons relating to an important public interest.

 

We will let you know when the restriction expires. If we limit our use of your data, we will also inform those we have shared your data with, if it is not impossible or too cumbersome. If you ask us, we will also tell you who we have shared your data with.

 

3.5.  Right to access and request a transfer of your personal data to another recipient (“Data portability”)

 

You may request to have your data transferred to another actor in a commonly used machine-readable format. This is also known as data portability. You can request data portability if we have collected the data from you and our processing is based on your consent, or if it is processed to enter or fulfil an agreement with you.

 

3.6.  Right to object

 

You have the right to object to processing that is based on our legitimate interest. If you object to the use, we will, based on your particular situation, evaluate if our interests in using the data override your interests, rights and freedoms. If we are unable to provide compelling legitimate grounds that outweigh yours, we will stop using the data you object to – provided we do not have to use the data to establish, exercise or defend legal claims. If you object to the use, you also have the right to request that we restrict our use during the time we investigate the matter.

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You also have the right to object to processing of your personal data for direct marketing purposes, whereby your personal data will no longer be processed for such purpose.

 

3.7.  Right to object against an automated decision-making/profiling

 

You have the right not to be subject of a decision that is only based on some form of automated decision-making, including profiling, if the decision can have legal consequences for you or in a similar way affect you to a considerable degree.

 

Automated decision-making is when automated means without human intervention are used for making a decision in relation to you asan individual. In our business this could mean, e.g., automated verifying of your identity. Profiling is when personal data is automatically processed for the purpose of evaluating personal aspects relating to you as an individual, e.g., your economic situation or personal preferences. Automated decisions can be made with or without profiling and contrariwise, profiling can be used without this leading to an automated decision.

 

3.8.  Right to withdraw consent

 

You have the right to withdraw your consent for a specific processing at any time, whereby we will no longer perform the processing, provided that the applicable processing is based on your consent. Your withdrawal will not affect processing that has already been carried out.

 

3.9.  Complaints

 

If you have any complaints regarding how we process your personal data even after you have notified us of this, you are always entitled to submit your complaint to the relevant data protection authority in the country where you reside, work or where you believe an infringement of data protection laws have taken place.

 

InSweden, the relevant data protection authority is the Swedish Authority forPrivacy Protection and you can submit your complaint here.

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4. PROCESSING OF PERSONAL DATA WHEN YOU USE OUR PAYMENT SERVICES

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Zimpler’s payment services consist of Pay-In andPay-Out. In addition, Zimpler offers a compliance solution for Merchants where we assist in performing regulatory controls in accordance with applicable anti-money laundering legislation.

 

When using our payment service, we collect personal data directly from you, as well as from your online banking interface (i.e.,online bank) or via an API provided to us by your bank. In addition, we also collect personal data from the applicable Merchant and, depending on for which purpose the service is used, from external third-party sources (i.e.,when we need to verify your identity and/or update/supplement your contact information via official identity verification service providers or similar providers). Our system will in addition generate personal data such as a userid number when you use our service.

 

In the table below we describe how we process your personal data when you as an End User use our payment service.

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Data subject

Purpose

Categories of personal data

Legal basis

Collected from

Time of retention

 

End User

To initiate and process Pay-Ins and Pay-Outs

Name, social security number, bank account number, address, phone number, IP-address, email, date of birth

Performance of a contract

From you, your bank, the Merchant and a third-party provider

During the period we have an active relationship with you/you use our service

End User

To fulfil our bookkeeping requirements for Pay-Ins and Pay-Outs

Name, social security number, bank account number, transaction information

Legal requirement (Bokföringslag (1999:1078))

From you, your bank, the Merchant and a third-party provider

Seven years from the time of the transaction

End User

To improve your experience and enable faster transactions

IP-address, bank account number

Our legitimate interest to provide you with a faster and better service

From you, your bank and a third-party provider

 

During the period we have an active relationship with you/you use our service

End User

To provide customer support to you and to handle your request/ problem

Name, social security number, address, phone number, email as well as other information you provide to us

Performance of a contract

From you, your bank and third-party data provider

Up to ten years due to statutes of limitations (Preskriptionslag)

 

End User

To share know your customer data with Merchants in accordance with both parties’ obligations under applicable anti-money laundering rules and regulations

Transaction information (such as bank, amount, currency, country, website for transaction, reference), email, phone number, user ID

Performance of a contract as well as legal requirement (lag (2017:630) om åtgärder mot penningtvätt och finansiering av terrorism)

From you, your bank and a third-party provider

During the time of the transaction

End User

To fulfil our legal obligation under applicable anti-money laundering rules and regulations. This includes screening against sanction lists and may include profiling and automated decision-making

Name, social security number, bank account number, address, phone number, IP-address, screening against PEP/sanction lists, criminal records

Legal requirement (lag (2017:630) om åtgärder mot penningtvätt och finansiering av terrorism)

From you, your bank, third-party data provider and open sources

Five years (in some seldom cases ten years) from the time of the transaction

 

End User

To manage incidents and prevent that our service is used for fraudulent or other illicit actions. This may include profiling and automated decision-making

 

Name, social security number, bank account number, address, phone number, IP-address, screening against PEP/sanction lists, criminal records

Legal requirement (lag (2017:630) om åtgärder mot penningtvätt och finansiering av terrorism)

From you, your bank, third-party data provider and open sources

Five years (in some seldom cases ten years) from the time of the transaction

 

 

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5. PROCESSING OF PERSONAL DATA FOR POTENTIAL AND EXISTING BUSINESS RELATIONSHIP WITH ZIMPLER

Zimpler also processes personal data regarding Business Representatives of existing and potential Merchants in accordance with what is set out in the table below.  

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Data subject

Purpose

Categories of personal data

Legal basis

Collected from

Retention

Business Representatives

 

To contact potential Merchant’s representatives to set up meetings

 

Name, title, email address, phone number, title, company of employment

Our legitimate interest to inform of our product offerings to potential Merchants

From you and open source

During time period of communication and two years thereafter

Business Representatives

To keep in touch with our active Merchants

Name, title, email address, phone number, company of employment

Performance of contract as well as our legitimate interest to communicate with our Merchants

From you, from Merchant and open source

During the period we have an active business relationship and two years thereafter

Merchant’s beneficial owners, representatives, board of directors and other key personnel

To fulfil our legal obligation under applicable anti-money laundering rules and regulations. This may include profiling and automated decision-making

Name, social security number, passport number, addresses, phone number, ownership details, copy of ID, IP-address, criminal records, information from PEP/sanction lists

Legal requirement (lag (2017:630) om åtgärder mot penningtvätt och finansiering av terrorism)

From legal entity and third-party data provider

Five years (in some seldom cases ten years) from when the business relationship terminates

 

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6. PROCESSING OF PERSONAL DATA WHEN YOU VISIT OUR WEBSITE

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Zimpler may process personal data when you visit our website as well as when you contact us through our customer support or sales team.

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Data subject

Purpose

Categories of personal data

Legal basis

Collected from

Retention

Website visitor

To assist you with any issue you may have had with our service or other request connected to your use of our service or website

Name, email address and other information we require to manage your request

 

Our legitimate interest of solving your issue or request

From you and open source

Up to ten years due to statutes of limitations (Preskriptionslag)

 

Individuals who contact our customer support or sales team

To contact you in order to promote and/or market our services, as well as to use the data for marketing and customer analysis, market research, statistics, follow-up on business operations, etc. This may include profiling and automated decision-making

Name, email address, company information (name, industry and website) and other information we require to manage your request

Our legitimate interest in promoting our services and provide relevant information to persons who have contacted us as well as to do follow-up and analyses on sales

From you and open source

During time period of communication or for as long as we have an active relationship

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7. HOW LONG WILL WE STORE YOUR DATA?

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How long we store your personal data is stated in the tables above and is dependent on the following factors:  

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     ●      The purpose for which we collected the personal data.

     ●      The type of relationship we have with you.

     ●      Any legal obligations to store the personal data for a certain amount of time.

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In general, personal data used for the performance of the contractual relationship between you and Zimpler is stored by us for as long as the agreement is valid and thereafter for a maximum of ten years due to rules on limitation. Personal data that we must save due to applicable legislation, such as anti-money laundering and bookkeeping rules and regulations, is normally stored for five and seven years, respectively.

 

Please note that not all data will be stored for the maximum time as provided above. Different time periods apply depending on the purpose the data was collected for. For instance, some information such as your contact information will be processed for several purposes and may for some purposes be processed only for a very short period but for other purposes for longer periods of time. The personal data that we do not need to keep for the purpose it was collected will be deleted.

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8. WHO WE SHARE YOUR DATA WITH

 

Zimpler does not sell your personal data to third parties and we do not share your personal data with just anyone. However, in some cases we need to share your personal data with selected and trusted third parties to perform our business. If so, we make sure that the transfer of personal data is safe to protect your privacy.

 

Here you can read more about the categories of recipients with whom we share personal data with in regard to our End Users,Business representatives, Websites visitors and individuals contacting our customer support or sales team.

 

8.1.  End Users

 

Suppliers and sub-suppliers

 

To provide our payment service to you we need to collaborate with third parties in terms of functions which we cannot provide ourselves, such as software and data storage suppliers, business consultants and official identity verification service providers. The sharing of personal data with such third parties is carried out on the basis that it is necessary to fulfil our contractual obligations with you, our legitimate interest to carry out the transaction and our legal obligation to verify your identity. When you use our payment service we may also need to share your personal data with providers of sanctions or PEP lists in order to screen your personal data against such list.The sharing of personal data is then carried out on the basis that it is necessary for us to comply with our legal obligations. Additionally, we need to share personal data with software and data storage suppliers which is done for the purpose of providing and improving our services in accordance with our contractual obligations with you.

 

When your personal data is shared with such third party, the third party will typically act as data processor in relation to your personal data, meaning that it will process your personal data on our behalf and only in accordance with our instructions. We have entered into data processing agreements with all our data processors guaranteeing a high level of safety for the personal data and, where applicable, theEuropean Commission’s standard contractual clauses (please see more information in section 9 below regarding transfers to third countries).

 

Merchants

 

Information regarding your identity as well as information on transactions may be shared with the applicable Merchant in order for the Merchant to be able to verify your identity, account and transactions. We share this information with the Merchant when the Merchant is legally obliged to verify your identity and/or transaction as a measure to prevent money laundering, fraud or other criminal act or to meet other potential legal and/or regulatory requirements imposed on the Merchant. The sharing of your personal data with the Merchant is also carried out to fulfil our contractual obligations with the Merchants.  

 

Banks

 

To carry out a transaction when using our payment service, we need to transfer some of your personal data to your bank as well as other banks that are part of the payment chain. This processing is carried out on the basis that it is necessary to fulfil our contractual obligations with you and the applicable banks and our legal obligation to prevent frauds and other criminal acts.

 

Authorities

 

Zimpler may need to share personal data with authorities, such as the Swedish Financial Supervisory Authority, the police as well as tax and other relevant authorities. This is done for the purpose of preventing and disclosing breaches against anti-money laundering and terrorism financing legislation, by suspicion of fraudulent use of the service or other criminal acts. When sharing your personal data for these purpose with authorities, this is carried out to fulfil our legal obligations.

 

8.2.  Business Representatives

 

If you are a Business Representative, we may share your personal data with providers of sanctions or PEP lists to screen your personal data against such list. The sharing of personal data is carried out on the basis that it is necessary for us to comply with our legal obligations. We may also need to share your personal data with cloud-based service providers which is done for the purpose of providing and improving our services to you as well as to provide you with marketing regarding our services. The sharing of personal data is carried out based on our legitimate interest in providing you with the services and marketing thereof.

 

8.3.  Websites visitors and individuals contacting our support or sales team.

 

We may share your personal data to other third-party providers of analytical tools based on our legitimate interest of providing you with a pleasant user experience when interacting with our websites. We may also need to share your personal data with cloud-based service providers, which is done for the purpose of providing and improving our services to you as well as to provide you with marketing regarding our services.

 

 

9. TRANSFER OF PERSONAL DATA

 

Zimpler takes all reasonable measures to only process personal data within the EU/EEA. However, for some parts of our business, as described above, data may be transferred to third parties located outside ofEU/EEA. This is namely the US, which is the location of hosting for some of our service providers. Regardless of if the data is transferred and processed within or outside of the EU/EEA, we will take all reasonable measures to ensure that your data is processed with a high level of security with an adequate level of protection maintained, and that suitable safeguards are adopted inline with the GDPR.

Your rights, as described above, will never be affected by where the personal data is processed.

The safeguard we use in our business is the implementation of the European Commission’s standard contractual clauses (the “SCC”), which can be found here: https://ec.europa.eu/info/law/law-topic/data-protection/international-dimension-data-protection/standard-contractual-clauses-scc_en.

By entering the SCC, Zimpler and the recipient of the personal data guarantee that the protection of your personal data provided by the GDPR also applies outside of the EU/EEA. In this regard we also assess whether there is legislation in the recipient country that affects the protection of your personal data. When so is required, we implement necessary technical, organizational and contractual measures to ensure that the data is protected with a high level of security that is appropriate to the risks associated with the processing and transfer to the recipient country. What is necessary is assessed on a case-by-case basis and if you wish to know more, please feel free to contact us.

 

 

10. AUTOMATED DECISION-MAKING AND PROFILING

 

Zimpler sometimes uses profiling and automated decision-making when providing our services to you as an End User. For instance, we use automated decision-making for the purpose of risk management of you and your transactions, to verify your identity, assess your financial information and to ensure that you reside in a country where we offer our service. This is done for the fulfilment of our legal obligations to conduct know your customer checks in relation to our anti-money laundering obligations.

As a Business Representative, we may use profiling and automated decision making for the purpose of screening your personal information against sanctions or PEP lists on the basis on fulfilling our legal obligations to conduct know your customer checks.

 

11. CONTACT INFORMATION

 

Data controller

 

Name:Zimpler AB

Reg.no: 556887-9984

Postal address: Döbelnsgatan 12, 113 58 Stockholm

E-mail address: gdpr@zimpler.com

 

 

12. VERSIONS IN OTHER LANGUAGES THAN ENGLISH

 

The original version of this privacy policy is written in English. To the extent that a translated version of this privacy policy conflicts with the English version, the English version shall prevail.

 

 

13. CHANGES TO THIS PRIVACY POLICY

 

We reserve the right to change this privacy policy from time to time. We will inform you of any changes by posting the updated policy on our website. If we make any material changes to our policy, we will push a notification through a banner on our website and/or by e-mail (if we have your e-mail address and you have not opted-out from such use). We encourage you to contact us if you have any questions about the policy or about how we process your personal data.

 

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This Privacy Policy was last updated April 2022

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Terms&conditions
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  1. THE PAYMENT SERVICE PROVIDER

    1. Zimpler AB (“Zimpler”) has company registration number 556887-9984 and its registered and visiting office at Döbelnsgatan 12, 113 58 Stockholm, Sweden.

    2. Zimpler is a licensed payment service provider with authorization from the Swedish Financial Supervisory Authority (Sw. Finansinspektionen) to provide (i) payment initiation services, (ii) account information services, (iii) execution of payment transactions and (iv) execution of payment transactions when the funds are covered by a credit facility.

    3. he Swedish Financial Supervisory Authority’s visiting address is Brunnsgatan 3, 111 38 Stockholm, Sweden and you can find additional contact details on their website.

  2. THE PAYMENT SERVICE

    1. Zimpler’s payment services allows you to:

      • use account information services in order to retrieve your consolidated bank account information (name, address, personal identity number and account number) and share this information with a Merchant (“Select Account”);
      • give Zimpler payment orders to initiate payments from your bank account to the Merchant (“Payin”); and
      • receive payments from the Merchant to your bank account (“Payout”).

      Select Account, Payin and Payout are jointly referred to as the “Service” herein.

    2. The Service is made available to you through a supplier providing you with a product or a service (the “Merchant”). The Service is not offered by or affiliated with your bank.

    3. For the Select Account and Payin, you are the payment service user. For the Payout, the Merchant is the payment service user (i.e., the Merchant gives Zimpler the payment order) and you are the payee.

    4. By using the Service, you agree to these Terms and Conditions (the “Terms and Conditions”) provided to you in English.

  3. AGENTS

    1. In providing the Service, Zimpler is entitled to utilize services provided by legal entities that are also agents in accordance with The Swedish Payments Act (Sw. Betaltjänstlagen), acting on behalf of Zimpler.

  4. TRANSACTION FLOW AND DATA

    1. You use the Service by choosing Zimpler in the Merchant’s online checkout (or similar), filling out the required details into the interface and clicking continue (or similar).

    2. For Select Account, you identify yourself to your bank with your security credentials supplied by your bank (e.g., a code or password) to select your bank account and by doing so also request that Zimpler shall share the retrieved bank account information with the relevant Merchant.

    3. For Payins, Zimpler provides you (the payer) with a payment service. You give Zimpler a payment order to initiate a payment transaction from your selected bank account by signing the payment order with your bank issued security credentials. The payment is then received by Zimpler on behalf of the Merchant to which you are making the payment and the transfer of funds to the Merchant is thereby completed.

    4. You acknowledge that once the payment order has been signed by you, the payment order cannot be withdrawn or revoked and you hereby agree that you shall not attempt to withdraw or revoke the payment order through your bank.

    5. For Payouts, you are the payee and receive the payment to your selected bank account. Zimpler acts as the payer's (the Merchant’s) payment service provider and your bank acts as the payee’s (your) payment service provider.

    6. All data transferred through the Service is encrypted. Your personalized security credentials are only forwarded to the corresponding input-field of your selected bank and never stored by Zimpler.

  5. CURRENCY CONVERSION

    1. If a Payin is initiated from, or if a Payout is received on, a bank account holding another currency than the currency the Merchant trades in, Zimpler will, in the case of a Payin, convert the payment to the currency of the Merchant or, in the case of a Payout, from the currency of the Merchant to the currency held on your bank account. The currency conversion service is provided to you.

    2. The exchange rate and foreign exchange fee applied by Zimpler is presented you in the Advance Information Regarding Currency Conversion enclosed at the last page of this document if the payment transaction is subject to currency conversion.

  6. PERSONAL DATA

    1. Personal data about you is processed by Zimpler in accordance with Zimpler’s Privacy Policy.

  7. ELIGIBILITY TO USE THE SERVICE

    1. To use the Service, you must be of such age as required by the Merchant and have the capacity to enter into legally binding agreements and the right to dispose of the assets available on your bank account.

    2. You may not use the Service if the usage results in a breach of third-party agreements and you are personally responsible for all such breaches.

  8. TRANSACTION TIME

    1. Payins and Payouts are carried out via general clearing systems, meaning that it might take up to three (3) banking days before the payment is received on the payee’s bank account or payment account.

  9. KNOW YOUR CUSTOMER

    1. All payment transactions made through the Service are subject to monitoring for the purposes of Zimpler complying with applicable laws and regulations regarding anti-money laundering and counter-terrorism financing. The policies and practices applied may vary from time to time and depending on conditions pertaining to you such as transaction patterns and geographical position. To comply with applicable laws and regulations, records may be kept and additional information may be requested from you to establish matters such as identity, purpose of the payment transaction and origin of funds. By using the Service, you commit to provide Zimpler with all such information as may be deemed necessary.

  10. SUSPENSION

    1. Zimpler unilaterally reserves the right to suspend the Service:

      • to comply with applicable laws and regulations including anti-money laundering and counter-terrorism financing laws and regulations and keep records thereof; and/or
      • in case of fraud or other criminal or illicit activity, act or omission that might expose you or Zimpler to damage.

  11. LIMITATION OF LIABILITY

    1. Zimpler shall provide the Service in accordance with The Swedish Payments Act.

    2. Unless required by mandatory law, Zimpler shall in no case be liable to you for any direct or indirect loss or damages incurred due to the use of the Service.

    3. The purchase of goods and/or services from the Merchant is subject to the Merchant’s terms and conditions and Zimpler is not liable for the acts or omissions of the Merchant.

  12. POTENTIAL FEES APPLIED BY THE BANK
    OR THE MERCHANT

    1. If you notice an error or malfunction of the Service, have a question or complaint concerning the Service, these shall be submitted to Zimpler via e-mail to support@zimpler.com. Zimpler shall answer your complaint by e-mail within fifteen (15) banking days in English or, by your choice, Swedish.

    2. Zimpler does not charge you any fee for the provision of the Service unless the Payin or Payout requires currency conversion, cf. Clause 5. The Merchant may however charge you a fee for the Service which is regulated in the terms and conditions of the Merchant.

  13. COMPLAINTSOR THE MERCHANT

    1. If you notice an error or malfunction of the Service, have a question or complaint concerning the Service, these shall be submitted to Zimpler via e-mail to support@zimpler.com. Zimpler shall answer your complaint by e-mail within fifteen (15) banking days in English or, by your choice, Swedish.

  14. FORCE MAJEURE

    1. Zimpler shall in no case be liable for any economic loss, delay, or failure in performance of the Service to the extent such loss, delay or failure is caused by fire, flood, explosion, war, strike, embargo, governmental requirements, civil and military authority, data trespass, denial-of-service attack, unlawful action by you or any other cause beyond Zimpler’s reasonable control.

  15. SEVERANCE

    1. If any provision of these Terms and Conditions is found by any court or administrative body of competent jurisdiction to be invalid or unenforceable, such invalidity or unenforceability shall not affect the other provisions of these Terms and Conditions which shall remain in full force and effect. If any provision of these Terms and Conditions is so found to be invalid or unenforceable but would cease to be invalid or unenforceable if some parts of the provision were deleted or amended, the provision in question shall apply with such modification as may be necessary to make it valid and enforceable.

  16. GOVERNING LAW AND DISPUTE RESOLUTION

    1. These Terms and Conditions shall be governed by the laws of Sweden subject to any mandatory provisions under the laws of your country of residence. Disputes shall primarily be resolved by negotiations between you and Zimpler following a claim being filed by you in accordance with Clause 13. If you and Zimpler are not able to reach an amicable agreement regarding the claim, the dispute shall be resolved in accordance with the rules of civil procedure.

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Zimpler's Cookies Policy

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Last update: January 2022

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Zimpler AB, reg. no. 556887-9984 (mentioned below as "we", "us", “our”) use cookies, web beacons and similar technologies (jointly referred to as “cookies”) on our website. It is up to you if you choose to allow our website to place cookies on your device. We do not place any cookies without your consent, except for such cookies that are necessary to provide the services that you have explicitly requested or that are required for the website to function. You can change your cookie settings at any time. See below under “Disable cookies” for more information on how to do it.

If you wish to found out more on how we process personal data, please visit our Privacy Policy.  

‍

WHAT ARE COOKIES?

Cookies are text files that contain small amounts of information that are downloaded to your device when you visit a website (and consent to the cookie being placed on your device).

Cookies are used to recognize the device you use when you visit or return to a website. Cookies help you to effectively navigate between different pages on the website, save settings on the website and improve your user experience in general. They can also be used to direct advertisements to you based on your interests. This is done by tracking your behavior on different websites.

Short-term cookies (sessions cookies) are automatically deleted when you close your browser while long-term cookies remain on your device after the browser is closed (for example, to remember your user settings next time you return to the website). When you visit a website, it is possible that your browser receives cookies from several sources and not just from us.

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DISABLE COOKIES

You can set your device to not accept all types of cookies and if you have previously given your consent to the use of cookies on our website but subsequently regret it, you may withdraw your consent by changing your cookie settings. You can do this by following the instructions for your specific browser or by using automatic online tools to disable cookies. On certain browsers, you can also indicate that you do not want your internet activity to be tracked.

The organisation responsible for the cookies in question can also provide an automatic tool for disabling cookies. Below you will find an overview of which organisation is behind the cookies that have been placed on the website, what each cookie is used for and information about how you disable cookies you do not consent to.

Please note that some features on the website do not work as well if cookies are disabled. Disabling cookies may affect your use of our website and how certain services on the website work. After your first visit to the website, we may change which cookies are used.

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THE TYPE OF COOKIES WE USE

Strictly necessary cookies

The cookies listed below are absolutely necessary for you to be able to navigate and use the services on the website.Without these cookies, the core functions of the website will not function.

‍

Name

Domain

Provider

Purpose

How long the cookie is saved

cf_bm

Hubspot.com

Hubspot

Used to distinguish between humans and bots. This is beneficial for the website in order to make valid reports on the use of the website.

30 minutes

li_gc

linkedin.com

LinkedIn

Used to store consent of guests regarding the use of cookies for non-essential purposes.

1 year

AnalyticsSyncHistory

linkedin.com

LinkedIn

Used to store information about the time a sync with the lms_analytics cookie took place for users in the designated countries.

1 month

CookieScriptConsent

zimpler.com

Cookie-script

Used to remember visitor cookie consent preferences. It is necessary for Cookie-Script.com cookie banner to work properly.

1 month

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Functional cookies

The cookies listed below are used to provide certain functions for you as a user. Examples of these features are that the website remembers certain choices you have made so that the content of the website can be customized to your needs (including user name, language or region settings).

‍

Name

Domain

Provider

Purpose

How long the cookie is saved

lang

ads.linkedin.com

LinkedIn

Remembers the user's selected language version of a website.

During the session

_gat_clientTracker

careers.zimpler.com

Zimpler

Used to throttle request rate.

1 minute

hubspotutk

zimpler.com

Hubspot

Used for user authentication.

1 year

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Performance/analytical cookies

The cookies listed below are used to analyze how our visitors use the website and to monitor the website’s performance. This enables us to optimize the use of the website and for you asa user to easily find what you are looking for. Among other things, performance cookies are used to see which pages on the website are most popular and to see how users move between the pages on the website. Performance cookies may also be used to display articles or services on the website that we believe are of interest to you based on how you normally use the website.

‍

Name

Domain

Provider

Purpose

How long the cookie is saved

__hssc

 zimpler.com

Zimpler

Identifies if the cookie data needs to be updated in the visitor's browser.

30 minutes

__hssrc

 zimpler.com

Zimpler

Used to recognize the visitor's browser upon reentry on the website and for website analytics.

During the session

__hstc

zimpler.com

Zimpler

Sets a unique ID for the session which allows the website to obtain data on visitor behaviour for statistical purposes.

1 year

_gid

zimpler.com

Zimpler

Stores and update a unique value for each page visited and is used to count and track pageviews.

1 day

_ga

zimpler.com

Zimpler

Used to distinguish unique users by assigning a randomly generated number as a client identifier. It is included in each page request in a site and used to calculate visitor, session and campaign data for the website’s analytics reports.

2 years

_gat_UA-35253707-8

zimpler.com

Zimpler

The pattern element on the name contains the unique identity number of the account or website it relates to. It is a variation of the _gat cookie which is used to limit the amount of data recorded by Google on high traffic volume websites.

1 minute

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Marketing cookies

We use certain cookies that are provided by us as well as third parties to monitor the website’s performance and to enable digital communication with users. Third party cookies can also be used by a third party for the purpose decided by these parties. You can read more about how third parties use information that is collected via third party cookies in each organisation’s policy.

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Name

Domain

Provider

Purpose

How long the cookie is saved

_uetsid

zimpler.com

Zimpler

Used to track visitors on multiple websites, in order to present relevant advertisement based on the visitor's preferences.

1 day

_uetvid

zimpler.com

Zimpler

Used to track visitors on multiple websites, in order to present relevant advertisement based on the visitor's preferences.

1 year

IDE

doubleclick.net

Doubleclick

Carries out information about how the end user uses the website and any advertising that the end user may have seen before visiting the said website.

1 year

_glc_au

zimpler.com

Zimpler

Used for experimenting with advertisement efficiency across websites.

3 months

test_cookie

doubleclick.net

Doubleclick

Used to determine if the website visitor’s browser supports cookies.

15 minutes

bscookie

linkedin.com

LinkedIn

Used for tracking the use of embedded services.

2 years

_fbp

zimpler.com

Facebook

Used to deliver a series of advertisement products such as real time bidding from third party

advertisers.

3 months

bcookie

linkedin.com

LinkedIn

Used for tracking the use of embedded services and for sharing the content of the website via social media.

2 years

lidc

linkedin.com

LinkedIn

Used for tracking the use of embedded services and ensuring the proper functioning of the website.

1 day

UserMatchHistory

linkedin.com

LinkedIn

Used to track visitors on multiple websites, in order to present relevant advertisement based on the visitor's preferences.

1 month

ANONCHK

c.clarity.ms

Microsoft Clarity

Carries out information about how the end user uses the website and any advertising that the end user may have seen before visiting the website.

10 minutes

MUID

bing.com

Bing

Used widely by Microsoft as a unique user ID. The cookie enables user tracking by synchronizing the ID across many Microsoft domains.

1 year

SM

c.clarity.ms

Microsoft Clarity

Registers a unique ID that identifies the user's device during return visits across websites that use the same ad network. The ID is used to allow targeted ads.

During the session

MUID

clarity.ms

Microsoft Clarity

Used widely by Microsoft as a unique user identifier. It can be set by embedded Microsoft scripts. Widely believed to sync across many different Microsoft domains, allowing user tracking.

1 year

SRM_B

c.bing.com

Bing

Tracks the user’s interaction with the website’s search-bar-function. This data can be used to present the user with relevant products or services.

1 year

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Please note that this cookie policy does not cover, and we are not responsible for, third party’s use of the information collected by such cookies (neither if this website links to such third party’s website, nor vice versa).

 

Contactus

If you have any questions about this Cookie Policy, please contact our support.

 

Changes in this cookie policy

We may update this cookie policy over time and we therefore encourage you to visit this policy at regular intervals. If we make any significant changes to thisCookie Policy, you will be informed in an appropriate manner.

Zimpler’s Privacy Notice for Job Applicants and Candidates
We greatly appreciate your interest in working at Zimpler!

Zimpler AB, org.no 556887-9984, (”Zimpler”, “we”, “us” or “our”) cares about your privacy and we always strive to achieve a high level of protection for your personal data. In this privacy notice we will among other things explain how we in connection with a recruitment process collect and process your personal data.

For the processing of personal data that we undertake as a part of our recruitment process Zimpler acts as the data controller.

If you have any questions in regards to this privacy notice, please feel free to contact us at gdpr@zimpler.com.
OUR PROCESSING OF YOUR PERSONAL DATA
The personal data we process and why
When you apply for a job at Zimpler, we will need to process the following personal data about you, which we collect from you directly:
If you are a non-EU resident, we will also process:
In addition, on a voluntary basis, we ask you to provide us with your demographic information. This information will be processed separate from your personal data and the application process, and whether you choose to answer will not affect your job application. Maintaining a diverse organization is our priority and the information from this survey helps us improve the first step of that process as it helps us understand who is seeing and responding to our ads, whereby we can improve our job ads, their placements, and reach. 

Improve your conversion today!

If you want to improve the conversion rate of your business with one of our payment solutions, fill in the form below and one of our sales representatives will get back to you in a jiffy.  

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