Do you have questions? See if you can find the answer here!

You have received a letter, reminder, or collection notice from Ropo because an invoice issued to you has not been paid by its due date. Ropo supports companies across the Nordics with invoice delivery, payment reminders, and debt collection services – so a letter from us simply means that your service provider is partnering with Ropo.

In most cases, the matter is resolved immediately once the payment is made. A reminder or collection letter does not create a payment default on its own.

If you are unsure why you received the letter, the easiest way to check the status is to log in to MyRopo, where you can view your invoices, see the amount due, and pay securely online.

Finland: myropo.fi

Sweden: myropo.se

Norway: myropo.no

If you are unable to pay by the due date, the most important step is to contact us as soon as possible. Early communication helps avoid additional costs and gives us the best chance to find a solution that fits your situation.

In many cases, it is possible to:
– set up a payment plan,
– postpone the due date,
– or find other arrangements that make the payment easier to manage.

The easiest and fastest way to request more time to pay or set up a payment plan is through MyRopo, where you can see your invoice, review your options, and contact our team via the Message Center or AI assistant.

Finland: myropo.fi

Sweden: myropo.se

Norway: myropo.no

When you log in to MyRopo with strong authentication (BankID or equivalent), all invoices linked to your personal ID appear automatically on the home page.

If you cannot find a specific invoice:
– Use the MyRopo ID provided on the letter you received. Enter this ID in the search function to access the invoice directly.
– Alternatively, you can search using invoice details such as the invoice number, reference number, or postal code.

The MyRopo ID is a unique identifier for each invoice. It ensures you can access the right invoice even if it hasn’t been automatically listed under your personal ID.

Yes. You can manage company invoices in MyRopo.

Log in using:
– Company login if enabled in your country, or
– Your personal BankID to access individual invoices using the MyRopo ID shown on each invoice.

This allows you to handle payment arrangements, contact customer service, and manage invoices on behalf of your company or organization.

The correct contact information is always provided on the invoice, payment reminder, or collection letter you received – usually at the bottom of the letter or next to other contact details.

Why we do not provide a general phone number:
We use different phone lines for different types of cases to ensure your call is routed to the right team immediately. This helps us provide faster, more accurate assistance.

You can also reach us securely through MyRopo, where our AI assistant is available 24/7 and our customer service team responds during service hours.

Finland: myropo.fi

Sweden: myropo.se

Norway: myropo.no

If your question concerns the original invoice content – such as the products, services, prices, or billing period – please contact the company that issued the invoice. Their contact details are shown on the invoice.

If your question concerns reminders or collection letters – such as fees, payment deadlines, or the collection process – please contact us as soon as possible. Clearly describe which part you believe is incorrect and why, so we can review the matter efficiently.

When you dispute a claim, the case is placed on hold while we investigate the issue together with the company that issued the invoice. Please note that any undisputed portion of the invoice should still be paid by the due date to avoid unnecessary reminders or additional costs.

Ropo helps facilitate payment arrangements such as additional time to pay or structured payment plans. The available options depend on your individual situation and any specific requirements from the creditor.

The easiest way to request this is through MyRopo, where you can see the options available for your case and review the terms before confirming. Payment plans typically divide the outstanding balance into several instalments with agreed due dates, giving you more flexibility to manage your payments.

Any fees related to payment arrangements follow local regulations and are shown clearly in MyRopo or on your country’s pricing page.

Finland: myropo.fi

Sweden: myropo.se

Norway: myropo.no

In some cases, we cannot grant additional payment time. Common reasons include outstanding invoices from previous cases or a history of payment delays, which may indicate a higher risk of over-indebtedness. This is part of our responsibility to help prevent over-indebtedness and ensure responsible credit practices.

Decisions are also based on agreements with the company that issued the invoice. If your request cannot be approved automatically, you may be able to try a different option in MyRopo – such as a payment plan or an alternative due date. If you have questions about the decision, our customer service team is available through the MyRopo Message Center.

Our goal is always to find a solution that works for both you and the creditor.

If you have accidentally made an overpayment, you will receive a notification with instructions on how to proceed. Overpayments and other unclear payments are handled through Ropo’s accounting process, where the payment is reviewed and either allocated to any open invoices you have with the same creditor or prepared for a refund.

The easiest way to request a refund is through MyRopo, where you can add or update the bank account details needed for the transfer. Once your bank details are confirmed, we will process the refund.

If the payment was made from another person’s account, a company, or an estate, we may need additional information to verify your right to receive the refund.

If you believe the payment was allocated incorrectly (for example, the wrong reference number was used), please contact us through MyRopo so we can review and correct it.

Finland: myropo.fi

Sweden: myropo.se

Norway: myropo.no

When we process a refund for an overpayment or an unclear payment, a small administrative fee may apply. This fee covers the manual work required to review the payment, verify the payer, confirm bank account details, and handle the refund securely. These fees follow applicable regulations and industry guidelines.

If an overpayment or unclear payment is detected, you will receive a notification with instructions on how to proceed. The fee amount varies depending on the refund method. Using MyRopo is typically the most cost-effective option. The applicable fee is stated in the notification you receive and can also be found on your country’s service fee page.

This is an industry-standard practice that helps us maintain efficient and secure refund processes.

A payment default (recorded as a negative credit entry) is a note registered by an official credit information agency when a debt remains unpaid after legal or enforcement actions have been taken.

Payment defaults are never registered by Ropo directly – only official credit information agencies can register them. However, debts handled by Ropo may result in a payment default if they proceed to legal judgment, enforcement proceedings, or (for business invoices) a protested demand.

A payment default may affect your ability to:
– Receive loans or financing,
– Sign contracts for mobile phones, utilities, or insurance,
– Rent an apartment,
– Obtain credit cards or installment payment options,
– Enter other agreements that require a credit check.

Important: Receiving a reminder, notice, or collection letter does not create a payment default. A default can only be registered if the creditor formally applies to a public authority or court and the debt is legally confirmed.

For detailed information about payment defaults and credit records, please refer to:

Finland: Payment default entry – KKV

Sweden: Record of non-payment | Kronofogden

Norway: Payment remarks – The Brønnøysund Register Centre

While exact procedures differ between countries, and the process for business debts (B2B) differs from consumer debts (B2C), the overall structure usually follows a similar pattern:

– The original invoice is not paid by the due date. A reminder must be sent before the collection process can begin.
– If the invoice remains unpaid after the reminder, the collection process may begin.
– Collection letters are sent digitally or by post, including information about the outstanding amount and how to pay.
– Payment arrangements such as postponing the due date or setting up a payment plan are possible at most stages, and we encourage you to contact us if you need more time or support.
– If the debt continues to be unpaid, legal steps may be considered in accordance with applicable laws and regulations. This is always a last resort.
 
Ropo always follows applicable legislation and good collection practices in each country, and our aim is to resolve matters together before any legal action is needed.

If you are unsure about the stage of your case, you can check it at any time in MyRopo.

Finland: myropo.fi

Sweden: myropo.se

Norway: myropo.no

Service fees may apply at various stages of the reminder and collection process, as well as for administrative services such as handling overpayments and unclear payments.

– Reminder fees,
– Collection fees,
– Administrative fees (for example, for refunds, unclear payments, or payment plan arrangements),
– Legal process fees, when applicable.

All fees follow local legislation and industry guidelines, which means they differ by country.

You can review applicable fees in MyRopo before confirming a payment arrangement or other action. For a complete overview of fees related to reminders, collections, and other services, please visit the Service fees page on your local Ropo website.

Finland: myropo.fi

Sweden: myropo.se

Norway: myropo.no

If you have questions, concerns, or need help managing your payment, our customer service is here to support you.

In MyRopo:
– send a message through the Message Center,
– start a chat with our customer service team,
– use the AI assistant for quick guidance 24/7,
– leave us a message outside service hours – we will get back to you.

By phone:
You can call our customer service using the contact details and service hours provided on your local Ropo website or on the letter you received.

By post:
Country-specific contact information is available on your local Ropo site.

All necessary contact details are always included in the invoice, reminder, or collection letter you received.

We’re here to help. The fastest way to get assistance is through MyRopo, where you can access your invoices, make payments, and contact our customer service team securely.

Finland: myropo.fi

Sweden: myropo.se

Norway: myropo.no