Swedish Payment Providers

Compare 321 payment providers in Sweden. Find the best payment gateway for your business.

Total Providers

321

Top Categories

TraditionalCryptoRegionalGamingHigh Risk

Focused on Sweden

104

providers listing Sweden as a core market

About Swedish payment providers

Sweden is one of Europe's most digital payments markets — cash usage has fallen below 10% of point-of-sale transactions and the overwhelming majority of Swedes transact via mobile apps, cards, and bank transfers every single day. For merchants selling into Sweden, picking the right payment provider is less about accepting Visa and Mastercard (every PSP does that) and more about supporting the local payment methods Swedish consumers actually prefer at checkout.

Three local methods dominate: Swish, a bank-owned instant mobile payment app used by over 8 million people; Klarna, the Stockholm-born buy-now-pay-later pioneer that accounts for a significant share of Swedish e-commerce checkout; and Trustly, the open-banking pay-by-bank rail that settles directly from a shopper's Swedish bank account. BankID — the national e-identification system — underpins authentication for most of these flows and is effectively non-negotiable for high-value transactions.

International processors like Stripe, Adyen, Mollie, and Worldline all operate in Sweden with varying levels of native Swish and Klarna integration. Regional specialists like Svea, Nets, Bambora (now part of Worldline), Qliro, and Walley (formerly Collector Bank, now part of Norion Bank) offer deeper Nordic coverage and are often stronger choices for merchants whose primary market is Sweden or the wider Nordic region. High-risk and crypto merchants have fewer onshore options and typically route through European acquirers licensed under PSD2 and the upcoming PSR.

Top payment providers in Sweden

104 of these providers list Sweden as a core market — they lead the list below, ahead of the international platforms that also support it.

Xsolla logo

Xsolla

Game Monetization

Claimed
gaming
Fees
Custom
Settlement
30 business days
Crypto
Enterprise
High Risk
Sandbox
View provider
Stripe logo

Stripe

SaaS & Developers

traditional
Fees
1.5%–3.15% + 1.8 SEK
Settlement
2–4 business days
Crypto
Enterprise
Instant
Sandbox
View provider
Adyen logo

Adyen

Platforms & Marketplaces

traditional
Fees
Interchange + + $0.3
Settlement
1–3 business days
Enterprise
Instant
Recurring
Sandbox
View provider
Checkout.com logo

Checkout.com

Global Performance

traditional
Fees
2.3-2.9% + $0.30 (typical)
Settlement
1–3 business days
Enterprise
Instant
Recurring
Sandbox
View provider
Airwallex logo

Airwallex

Cross-Border Payments

traditional
Fees
1.3%–3.15% + €0.25
Settlement
1–2 business days
Enterprise
Low Fees
Recurring
Sandbox
View provider
Amazon Pay logo

Amazon Pay

E-commerce checkout

traditional
Fees
2.9% + $0.30
Settlement
1–2 business days
Enterprise
Instant
Startup
Sandbox
View provider
PAYSTRAX logo

PAYSTRAX

EEA & UK merchants in iGaming, Forex and high-volume cross-border verticals needing a direct Visa/Mastercard acquirer

crypto +3
Fees
Custom
Settlement
1–7 business days
Enterprise
High Risk
Mobile Payments
View provider
Revolut logo

Revolut

traditional
Fees
From 1% for card payments
Settlement
Same day
Instant
Low Fees
Startup
Sandbox
View provider
Ant International logo

Ant International

Asian Cross-Border Payment Hub

traditional
Fees
Custom
Settlement
Same day
Enterprise
Recurring
Sandbox
View provider
GoCardless logo

GoCardless

Recurring payments

traditional
Fees
1%–1.4% + £0.2
Settlement
2–5 business days
Instant
Low Fees
Recurring
Sandbox
View provider
Emerchantview logo

Emerchantview

Global Payment Processing & Merchant Acquiring

high risk +1
Fees
Custom
Settlement
Varies
High Risk
Recurring
Sandbox
View provider
Ping Payments logo

Ping Payments

Nordic platforms, marketplaces and civil society organizations

regional
Fees
1.49% + SEK 1.50
Settlement
Instant to 2 business days
Instant
Recurring
Startup
Sandbox
View provider
Google Pay logo

Google Pay

Android Mobile Payments

traditional
Fees
Free for consumers, merchant fees via processor
Settlement
Same day
Instant
Sandbox
View provider
eMerchantBroker logo

eMerchantBroker

High-Risk Merchant Accounts

high risk
Fees
From 3.00% per transaction
Settlement
1–2 business days
Crypto
High Risk
Sandbox
View provider
Fresha logo

Fresha

Salon and spa businesses

traditional
Fees
No subscription fee, 2.19%+$0.20 per payment
Settlement
Next business day
Low Fees
Startup
View provider
Apple Pay logo

Apple Pay

Mobile & contactless payments

traditional
Fees
Custom
Settlement
Varies by payment processor
Enterprise
Instant
Low Fees
Sandbox
View provider
A

Aera Payment & Identification

Retailers wanting a merchant-owned, unified in-store + online + wallet payment platform

baas +1
Fees
Custom
Settlement
Varies
Enterprise
Recurring
View provider
Zettle logo

Zettle

EU retail

traditional
Fees
1.75% per transaction (EU)
Settlement
Next business day
Low Fees
Startup
Sandbox
View provider
Coupa Pay logo

Coupa Pay

Enterprise B2B payments and virtual card issuance inside procurement workflows

traditional
Fees
Custom
Settlement
Varies
Enterprise
Recurring
View provider
Codashop logo

Codashop

Direct gaming top-ups with local payment methods

gaming
Fees
Custom
Settlement
Varies
Virtual Items
View provider
Nets Easy logo

Nets Easy

Nordic businesses

traditional
Fees
Custom
Settlement
2–3 business days
Enterprise
Sandbox
View provider
Nexi logo

Nexi

European Enterprise Payments

traditional
Fees
Custom
Settlement
1–2 business days
Enterprise
Sandbox
View provider
V

Vitesse

regional +1
Fees
Custom
Settlement
Varies
View provider
AltaPay logo

AltaPay

Nordic Omnichannel Payments

traditional
Fees
Custom
Settlement
1–3 business days
Enterprise
Recurring
Sandbox
View provider

Popular comparisons in Sweden

By Category

Frequently asked questions about payments in Sweden

What is the most popular payment method in Sweden?
Swish is Sweden's most popular payment method for mobile and peer-to-peer transactions, used by over 8 million people. For e-commerce specifically, Klarna's pay-later and invoicing options lead, followed by card payments (Visa and Mastercard) and Trustly's open-banking pay-by-bank flows.
Which payment providers support Swish?
Swish is supported natively by most major Nordic and international PSPs serving Sweden, including Stripe (added in 2024), Adyen, Nets, Svea, Worldline/Bambora, Billmate, and Swedbank Pay. Klarna Checkout can surface Swish as one of its payment options, but Klarna is a checkout overlay rather than a direct Swish acquirer. For merchants accepting Swish through a third-party PSP, fees typically range from 1–3 SEK per transaction to around 1% + 3 SEK.
Do I need a Swedish entity to accept payments in Sweden?
No. EU-based merchants can sell into Sweden without a Swedish legal entity thanks to the single market. Since July 2021, EU-wide distance selling is handled via the One-Stop Shop (OSS) scheme — once your total cross-border B2C sales to EU consumers exceed €10,000/year, you register for OSS in your home EU country rather than registering for VAT in each destination. A Swedish VAT number is only required if you warehouse goods in Sweden or are established outside the EU. Offering Klarna or Swish may require additional PSP onboarding regardless of entity.
What is the typical onboarding time for a Swedish payment provider?
For standard e-commerce merchants, onboarding with providers like Stripe, Adyen, or Klarna typically takes 1–5 business days. Regional providers like Svea or Nets may take 1–2 weeks due to enhanced KYC. High-risk merchants should expect 2–6 weeks with additional underwriting.
How do Stripe and Klarna compare for Swedish merchants?
Stripe is a global processor with broad card coverage, strong developer tools, and native Klarna/Swish support via its platform. Klarna is a Swedish-native provider with the deepest integration into local buy-now-pay-later flows and the strongest consumer trust signal in Sweden. Many Swedish merchants run them in combination — a card acquirer like Stripe or Adyen alongside Klarna Checkout as the BNPL option — but Klarna Checkout is also commonly deployed standalone, since it bundles cards, Swish, Trustly, and invoice in a single integration.
Is BankID required to accept online payments in Sweden?
BankID is not strictly required for card payments, but it is the de-facto authentication standard for Swish, Trustly, and most Swedish open-banking flows. Merchants accepting these methods indirectly rely on BankID via their PSP — no direct integration is needed.

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