Frequently Asked Questions

Below are some common questions answered.
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Paying.Green® has singular purpose. It is part of the global response against climate change and it achieves this by raising funds to acquire and retire carefully selected carbon offset credits at wholesale prices, which have also been verified under the United Nations Framework Convention on Climate Change (UNFCCC) to reduce carbon from the atmosphere. We do this in a globally unique way to substantially reduce the cost of carbon offsetting to benefit the environment. By supporting any of our products, businesses experience the “aha” moment, when they realise that their investment with us is not a sunk cost, but a valued investment into growing their brand value and improving their customer lifetime value. It is a global initiative.

Apart from Paying.Green’s not-for-profit environmental charitable foundation based in Sweden, it is also associated with Our Atmosphere Ltd , an Australian not-for-profit  and registered environmental charity.

As a result of Paying.Green’s highly efficient organisational structure and efficient low cost of fund raising, ca 90% net of each dollar utilised by our foundation or associated charity is effectively invested in carbon offsetting. By comparison, the average charity efficiency ratio in the US is about 67%.

Paying.Green® only acquires verified carbon credits under The United Nations Framework Convention on Climate Change. This means that the underlying carbon offset projects have already achieved a verified reduction in carbon emissions on which the individual carbon credits are based. This ensures that the funds raised deliver environmental benefits.

Paying.Green never speculates or trades in carbon credits. We retire carbon credits at the same time they are acquired to ensure that they are never traded again and are converted into carbon offsets. This is formally recognised through cancellation certificates. We are not over-the-counter (OTC) brokers that commercially trades carbon credits to the open market.

This is best answered by explaining three core elements that ensure funds are invested wisely;

  • Carbon credit acquisition governance
  • Investment competence
  • Audits

Governance: Paying.Green® has a clear and well-developed Carbon Credit Acquisition Policy which incorporates the best practice principles under the United Nations Framework Convention of Climate Change (‘UNFCCC’).

Acquisitions are managed by Senior management under Delegation of Authority from the Board of Directors. The acquisition of carbon credits is considered against the Carbon Credit Acquisition Policy.

Competence: In addition to rigid carbon credit acquisition governance, we also have experienced staff that undertake ongoing research into credible carbon offset projects across the world which are focussed on the United Nations’ Sustainable Development Goals and supports the objectives of Paying.Green®.

Audits: In addition to mandatory reporting, Paying.Green® undertakes 3rd party audits which verifies that Paying.Green® retires all credits for the benefit of the environment.

We transparently display underlying carbon emission reduction projects on our website.

Learn more here.


  1. It could be challenging for organisations to independently and effectively operate not-for-profit environmental charities.
  2. It is unlikely that organisations would be focused on carbon offsetting in excess of their own carbon neutrality, and the community will therefore not have the benefit of scaled investment in carbon offsetting.
  3. It is also not the core business focus of organisations.
  4. Green® has a global presence and has established wholesale access to carbon offset credits that organisations would not easily have access to. Paying.Green’s sole purpose is to raise and invest funds efficiently so they may be invested in sustainable carbon reduction projects for the benefit of the environment.
  5. Organisations associate themselves with Paying.Green® because we are non-activist and non-political. More importantly we have shared values in that we equally care for the environment. This unifies us.

Unfortunately not, as we currently do not actively raise or accept funds from the public. The best way to support Paying.Green® is to simply support businesses that partner with Paying.Green® to benefit the environment.

Ask a financial services provider like your bank, home loan provider, insurance company and the likes to make your payments Paying.Green® enabled. If your service provider has not yet started working with Paying.Green® just let us know via the  Contact Us page and we will contact them and then get back to you.

When you support a business that partners with Paying.Green® to deliver Climate Smart Payments, your payment transactions through that business will allow you to directly engage in their climate response simply by supporting them. There is no once off, automatic debit, percentage, fee or direct cost relating to Paying.Green® that is charged to you or your normal method of payment whether it is a credit/debit card, debit order or EFT transaction.

Each organisation that aligns with Paying.Green‘s objective of supporting sustainable carbon emissions reduction projects through the acquisition and retirement of carbon credits have made a pledge to support our climate change funding mechanism.

There are many variables that make up the transaction margins for organisations and they have optimised these into transaction fees that also incorporates a small donation to climate change funding at no extra cost to you. Businesses achieve this through repurposing some of their lower ROI customer acquisition and retention spend.

The funding mechanism adopted by Paying.Green’s partners therefore does not result in you paying higher fees.

Absolutely. Merchants/retailers are not affected by these types of transactions. 

Each bank’s contribution is different. As a guide this would be less than 1% per dollar or less than 1c per dollar.  This may not sound like much but when you consider the volume of cashless payments, even a small percentage makes a substantial impact.

Each organisation will decide what their payment transaction will look like. In the some instances the Paying.Green®  trademark logo will be hard printed on the activated card or transaction statement. Other organisations may choose to recognise the Paying.Green®  movement in a different way. Through the Paying.Green® recognition everyone will know that you are doing the right thing.

Currently only 48 countries are actively involved with carbon reduction initiatives through Emissions Trading or Carbon Tax Schemes. This despite the fact that 196 countries are currently signatories to the Paris Climate Agreement (2021 to 2030).  188 Countries have gone further by ratifying this Agreement. Unfortunately we are running out of time as we can wait for countries to scale up to the challenge. Currently only 47% of the world’s population live in countries who actively work on reducing carbon emissions.

Excess carbon emissions are currently at the highest level it has been in mankind’s history. We are losing the battle and slowly progressing towards the point of no return when Earth is no longer sustainable.

Not all countries are also equally committed to the reduction of carbon emissions, nor are they engaged in transitioning their reliance on fossil fuel to renewable energy. Governments and large emitters therefore need help in dealing with carbon emissions and reversing the impacts of climate change.

The everyday person, through the organisations they support, are in a unique position to make a difference through ‘Consumer power’ and increased community awareness. They have the power, and are ready to use it, by supporting organisations that endorse and also want to benefit from Paying.Green®. Organisations become valued community participants and enablers of positive action by getting involved with carbon offsetting.

Please visit these links:

References and learn more about the 1.5º C Urgency here.
View our climate change facts and references here.
Also, visit these trusted organisations.


Businesses can adopt active measures to reduce their carbon footprint. These could include simple measures like switching to energy efficient light fittings, reducing corporate travel, supply chain considerations, etc. or more complex measures like reducing reliance on fossil fuels, transitioning to renewable energy, alternative logistics, operational efficiencies, etc.

The world is a fine place and worth fighting for.

Ernest Hemmingway