Swedish Payment Providers
Compare 396 payment providers in Sweden. Find the best payment gateway for your business.
Total Providers
396
Top Categories
Focused on Sweden
160
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
160 of these providers list Sweden as a core market — they lead the list below, ahead of the international platforms that also support it.
Lunar
Nordic companies managing corporate payments
Riverty
European BNPL Solutions
Payer
Enterprise and SME businesses that sell B2B and want to automate invoicing, accounts receivable and payment collection through an API platform.
Smart Refill
Telecom operators that want a white-label app or SDK for mobile top-ups, subscriptions, customer onboarding/ID and eSIM provisioning, with payments built in.
Shell Card
Banqup
European SMEs and accountants needing combined e-invoicing, business banking and embedded payments
Bolageriet
Swedish small businesses, both limited companies (aktiebolag) and sole traders, that want outsourced accounting, payroll and supplier-invoice payment handling for a fixed monthly fee.
Focalpay
Retailers with physical stores and e-commerce that want a unified checkout, backoffice and payment-orchestration layer, including account-to-account payments.
Open Payments
ERP, accounting, treasury, payroll and other B2B software providers in the Nordics and the Netherlands that want to build bank payments and account data into their products.
Billie
B2B online shops, marketplaces and platforms that want to offer business customers invoice payment terms without taking on credit or default risk.
Loomis
Swedish retailers, hospitality and other businesses that handle cash and want cash collection, deposit and processing together with a POS system that also takes card and mobile payments.
Paytrim
Restaurants and stores, especially small and medium-sized businesses, that want card terminals for in-person payments.
Turtle Pay
Swedish sports clubs and other sports organisations that need registration and fee collection in one place, plus sports retailers that want to offer customers financing in store and online.
Neopay
Merchants seeking open banking payment solutions
Kameo
Real-estate crowdlending across Scandinavia
Swish
Swedish e-commerce merchants and retailers
Billogram
Companies with recurring revenue (e.g. telecom, energy, insurance, mobility) that send large volumes of invoices and want payments, reminders and collections built into the invoice.
Gate
Lesslie
Swedish import and export businesses that make international supplier payments and want lower FX costs and automated bookkeeping.
Finshark
Businesses that want to collect payments directly from customers' bank accounts and send instant, identity-verified payouts such as refunds and withdrawals, mainly in the Nordics.
Parktrade
Public and private road, toll, ferry and parking operators and authorities that need to collect mobility charges, including from foreign-registered vehicles.
TransferMate
OKX
Trine
Not a merchant payment provider: Trine is a solar-investment crowdlending platform for individual investors, and it offers no merchant acquiring services.