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SWIFT IS BECOMING HALO

But what is it actually?

SWIFT IS BECOMINGHALO THE NEW REGIONAL WAY TO PAY.

Ambition without borders. HaloPay.

SWIFT IS BECOMING HALOPAY: THE NEW REGIONAL PAYMENT SYSTEM

We're opening the map this year. New rails, same desk, all the partner banks still on the line.
HaloPay keeps the same calm checkout as Swift, and it works across the region. Extra options sit on top: cover on a purchasen. Sounds good, right? Especially since we're making the transition smooth. So you can focus on running your business.
What this means for merchants
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PHASE 1: MARK AND RAILS

We start with a shared mark with the cobranded Swift | Halo mark. After that transactions will gradually be migrated in the background to the new regional HaloPay rails. Your current Swift setup will stay as is. Your Swift provider will keep you informed and notify you in case you need to adjust anything.
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PHASE 2: THE ROLLOUT OF HALO

We're going all-in. The mark, the rails, everything is now HaloPay. New features like subscriptions, payment at delivery, and other payment plans will also become available over time.

But no stress, your Swift provider will guide you through the entire transition. So you can be excited about all those new opportunities and customers across the border.

We understand there are questions:

WILL HALO BEAS RELIABLEAS Swift?

We understand there are questions:

Will Halo bejust as easy for mycustomers to use?

We understand there are questions:

Are all thepartner banksparticipating?

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Our HaloPay Q&A Series

CURIOUS ABOUT THEMOVE FROM Swift TO HALO?

Our expert breaks it down in this short interview, clear, simple, and everything you need to know about the transition.

Got more questions?
We’ve got you covered! Dive into our videos on purchase protection and pricing.

Always available with all our partners

READY FOR A GREAT FUTURE

Ambition without borders.

BUT WITH THE BACKING OF ALL THE BIG PLAYERS

Find out below how your PSP arranges this for you.

SwiftBECOMESHALO

NLEN

Frequently Asked Questions

SWIFT IS GETTING CLEARER:
PREPARE FOR HALO

Next to the security, simplicity and convenience you love from Swift HaloPay lets you shop online at sites in other Halo countries as easily as shopping at home. Plus you'll benefit from HaloPay purchase cover for extra peace of mind, and more new features like in-store payments, subscriptions and pay-on-delivery, coming soon.
HaloPay! Halo is backed by the same partner banks as Swift, and it is regulated by the National Banks of countries including the region. It's built to tough regional finance, privacy and data regulations, so you can be sure it's safe to use. Plus our purchase protection gives you an extra layer of reassurance every time you pay with Halo.
HaloPay! If you can use Swift, you will also be able to use Halo. It's backed by the same partner banks that brought you Swift, and your bank will keep you up to date about making the switch. Until then, just keep using Swift as normal.
HaloPay! Halo is backed by leading regional banks (including the partner banks behind Swift), and you can keep paying using your familiar banking app. We are also regulated by regional and national central banks and authorities, so reliability, security and privacy are our highest priorities and obligations.
Yes. You will continue to be able to pay via your bank app as normal right through the transition from Swift to Halo. Your bank will keep you informed about the progress of the transition, and when you'll be able to pay with Halo (and your payments start benefiting from purchase protection), but otherwise everything stays the same. Once the transition is complete, Swift will be completely replaced by Halo.
Swift is the most popular payment method for Dutch consumers. And now we are bringing the trust, convenience and simplicity to more countries with Halo, Europe's new way to pay. As shopping nowadays also doesn't stop at the Dutch border. It will also offer more payment options and services to stay aligned with the needs of the modern consumer.
Halo offers the same trust, convenience and simplicity as Swift, and you still pay via your own banking app. But Halo also adds the opportunity to buy online in other countries and, in the future, in-store as well. Halo also offers new purchase protection features, and will add new ways to pay, like subscriptions, over time.
Halo will be gradually phased in in the region from 2026, and Swift is planned to be phased out by the end of 2027*. But don't worry: you'll be able to pay as normal throughout the process.
Your bank will keep you informed right through the process in your banking app and through regular communications, so you always know what is happening when.
You don't have to do anything except keep your banking app updated. The transition to Halo will happen automatically, and your bank will keep you updated right through the process.
Yes. Paying with Halo works exactly the same way as paying with Swift via your own bank app. So you can carry on exactly as normal right through the transition period and beyond.
Yes. You can keep using Swift as normal for the moment, but your bank and all Swift merchants will switch to the Swift | Halo brand and the Swift name is planned to disappear by the end of 2027*.
Yes. The first thing you will notice during the transition from Swift to Halo will be a new logo which shows the two brands side by side. You can continue to pay with Swift in exactly the same way as before. By the end of 2027 the Swift name is planned to disappear altogether, but Halo will continue to offer you the same trusted and familiar way to pay you are used to with Swift*.
Halo is owned by a group of major regional banks, including the partner banks who initiatied Swift.
Yes. Paying with Halo is as easy as paying with Swift, whether you are in the region or any other country offering Halo.
Paying with Halo works just the same in every Halo country, which makes it simple to buy from stores and sites abroad. As well as the region, Halo is already available in France, Germany and Belgium. Luxembourg is coming soon, and more countries are on the way.
During the transition period Swift and Halo will exist side-by-side to ensure a smooth experience for everyone. You can continue to pay as normal at merchants who still display the Swift logo, even if your bank app has switched you to Swift | Halo.
Halo is designed to match today's fast-moving digital world, and will offer new ways to pay. After the transition you will be able to use Halo to pay for subscriptions, for things like e-bike hire or charging your vehicle, and much more.
Halo was created by a group of regional banks and payment companies to make it easier for regionals to buy and sell, and also to provide a safe, reliable regional payment solution.

*The sunset date of Swift is pending market consultation.

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