Swedish Payment Providers

Compare 395 payment providers in Sweden. Find the best payment gateway for your business.

Total Providers

395

Top Categories

TraditionalCryptoRegionalGamingBaas

Focused on Sweden

159

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

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

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
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
Primex Payments logo

Primex Payments

EU/EEA e-commerce merchants that want card acquiring, local alternative payment methods, multi-currency merchant accounts and payouts through a single integration.

traditional +1
Fees
Monthly fee 30,00 EUR per month; Payment transaction acquiring fee defined in the agreement with the Contracting Partner, depending on the scope of business; Transaction fee 0,01 EUR; Refund fee 3,00% of the transaction amount; Disputed transaction fee 0,50% of the transaction amount; Wire fee 2,00 EUR; Integration fee 1.000,00 EUR one-time; Chargeback fee 3,00% of the Chargeback amount; Chargeback 50,00 EUR per Chargeback incurred. E-money service: Administrative fee for bank transfers 2,00% of the total transaction amount; card payments 3,50% of the total transaction amount; Electronic money redemption fee 1,00% of the total redemption value of electronic money.
Settlement
Varies
View provider
P

Profee

regional +1
Fees
Custom
Settlement
Varies
View provider
Gnosis Pay logo

Gnosis Pay

Self-Custodial Crypto Visa Card

crypto
Fees
Custom
Settlement
Varies
Crypto
High Risk
Sandbox
View provider
Altery logo

Altery

Businesses that need multi-currency accounts in EUR, GBP and USD, cross-border supplier and mass payouts, and API-driven card issuing, rather than card acceptance.

baas
Fees
Plans: Starter £50/month, Pro £100/month, Ultra £300/month. FX markup (EUR, GBP, USD): up to 0.8% / up to 0.7% / up to 0.5%. Faster Payments (UK): £1 / £1 / £0.5. SEPA payment: €2 / €1.5 / €1. SWIFT payment: 0.50%, min $17 / €15 / £13 (Starter); 0.35%, min $14 / €12 / £11 (Pro); 0.20%, min $12 / €10 / £9 (Ultra). SWIFT fee cap: No cap / No cap / Max €500 / $580 / £430. Incoming SWIFT: $14 / €12 / £10 (Starter); $7 / €6 / £5 (Pro); Free (Ultra). Card payout, UK issued card: 0.7%, min £1 (Starter, Pro), 0.7%, min £0.5 (Ultra). Card payout, EU issued card: 1.5%, min £1 (Starter, Pro), 1.5%, min £0.5 (Ultra). Card payout, rest of the world issued card: £0.5 + 3% / £0.5 + 2.5% / £0.5 + 2%.
Settlement
Varies
View provider
Coingate logo

Coingate

Merchants seeking crypto payment acceptance

crypto
Fees
0.5-1% for crypto processing
Settlement
7 business days
Crypto
High Risk
View provider
K

KoronaPay

Cross-border consumer remittances from the EEA to Russia, CIS, Turkey and Moldova

regional +1
Fees
Per-transfer fees vary by corridor, currency and amount; consumer remittance pricing shown in-app at quote time (no merchant pricing).
Settlement
Varies
Instant
View provider
Contomobile logo

Contomobile

Lithuanian and other EU businesses that need a EUR/multi-currency payment account and, for e-shops, bank-payment (payment initiation) collection.

traditional
Fees
Custom
Settlement
Instant to 16 business days
View provider
DNB Vipps logo

DNB Vipps

Norwegian merchants accepting Vipps via DNB

regional
Fees
Per-transaction pricing via DNB merchant agreement
Settlement
Instant
Enterprise
Recurring
Sandbox
View provider
OSL logo

OSL

Businesses and platforms such as PSPs, payroll providers, e-commerce marketplaces, FX/CFD brokers, digital entertainment operators, and crypto exchanges or wallets that need to collect, convert and pay out stablecoins and fiat.

crypto +2
Fees
Custom
Settlement
170 business days
View provider
bunq logo

bunq

European Digital Banking

regional
Fees
From €2.99/month
Settlement
Same day
Instant
Low Fees
Sandbox
View provider
ePay logo

ePay

Danish merchants

traditional
Fees
1.45% + DKK 1.95
Settlement
2–3 business days
Recurring
Startup
Sandbox
View provider
DIBS logo

DIBS

Nordic e-commerce

regional +1
Fees
1.45% + €0.35
Settlement
2–3 business days
Enterprise
Sandbox
View provider
Surfboard Payments logo

Surfboard Payments

Software vendors (ISVs), payment facilitators, acquirers and multi-location merchants, mainly in the Nordics, that want in-store, Tap to Pay and online payments through one API, plus small businesses using the packaged Surfpay POS.

traditional +2
Fees
Custom
Settlement
Same day
View provider
B

Bitstamp

crypto
Fees
Custom
Settlement
Varies
Crypto
View provider
Clearhaus logo

Clearhaus

European online stores

traditional
Fees
1% + €0.20
Settlement
1–2 business days
Startup
Sandbox
View provider
Dintero logo

Dintero

Online stores, marketplaces and platforms based in Norway, Sweden or Denmark that want one checkout covering Nordic local payment methods, cards, wallets and invoice/BNPL.

traditional +1
Fees
Checkout – Early Phase: monthly fee from 149 kr, 1.5 kr transaction fee + payment method fee. Growth Phase: monthly fee from 249 kr, 1 kr transaction fee + payment method fee. Annual volume over 5 million: custom pricing. Payment method fees (Early / Growth): Visa & Mastercard EU consumer cards 1 kr + 2.49% / 1 kr + 1.95%; non-EU consumer cards 1 kr + 2.99% / 1 kr + 2.95%; Apple Pay, Google Pay, Click to Pay, Vipps, MobilePay, Swish 1 kr + 2.49% / 1 kr + 1.95%; Klarna 3.50 kr + 2.99% / 3.50 kr + 2.79%; Walley B2C 1 kr + 2.49% / 1 kr + 1.95%, B2B 1 kr + 2.99% / 1 kr + 2.95%; Billie 5 kr + 3.99% / 2.50 kr + 2.95%.
Settlement
You’re paid the week after a successful capture (not when the order is authorized).
View provider
D

Deutsche Bank

traditional
Fees
Custom
Settlement
Varies
View provider
Zimpler logo

Zimpler

Mobile-first payments

gaming +1
Fees
2.9%
Settlement
Instant
Startup
Sandbox
View provider

Sweden specialists & leading international providers

PaypercutPAYSTRAXXsollaStripeAdyenCheckout.comAirwallexAmazon PayRevolutAnt InternationalGoCardlessEmerchantviewApple PayNexiPing PaymentsGoogle PayYabandPayBENKEReMerchantBrokerNarviFreshaCentralPayGembaAera Payment & IdentificationZettleCoupa PayCodashopNets EasyVitesseAltaPayPrimex PaymentsProfeeGnosis PayAlteryCoingateKoronaPayContomobileDNB VippsOSLbunqePayDIBSSurfboard PaymentsBitstampClearhausDinteroDeutsche BankZimplerSwedbank Pay3S MoneyCollect & Exchange CYMondidoPerveskBitpandaZevoyAirPlus InternationalPaywardbitFlyerINGTawakal ExpressCURO PaymentsEdenredPaynoPainCheckinBooksalonNoahTantumPayEcospendElavon EuropeBuy Me a CoffeePassTo (Swift Payment Technologies)UnifiedpostWalley (Collector)Billwerk+BankoroBrite PaymentsDirectPayEUStable MintMoneriumTraderaBillhopRivaJanuarChargePointYaspaIntraclearEnfuceArmadilloPaySTOKRPlixBillmateCardaqFibonatixOutpayceTrustlyTalkRemitEm@neyIDT FinanceOropayRemit ChoiceAPS InternationalMyntAvardaBokioKleerJuniPelican AIZaverLoomis PayVipps MobilePayEML Money DACCRIF RealTimeB4B PaymentsPlusiusSvea PaymentsZalando PaymentsZTLCentranxHapicLunarRivertyPayerSmart RefillShell CardBanqupBolagerietFocalpayOpen PaymentsBillieLoomisPaytrimTurtle PayNeopayKameoSwishBillogramGateLesslieFinsharkParktradeTransferMateOKXTrineOlkyPayKatanoxBelmoneyWallesterECOMMBXEmbedSokinUber PaymentsPrivalgoBnkProBilderlingsImagoramnisBooking Holdings Financial ServicesA Place in the Sun CurrencyFacebook Payments International (Meta Pay)PaywintCryptoPAYRNuveiPAYWISE ASIACatalystPayMalum PaymentsPayXLJuspayPaymentwallFiChecksBitpaceWeedsPaymentsUnlimitOppi PaymentNOWPaymentsSouthpayUQPay0xProcessingAssetPayBlockonomicsWhopPayAlmaMintPayDoFiservPayPalAlipayFISPayUAlchemy PayBitPayVoltWiseBraintreeWorldpayPaysafePaysendMoonPayFastSpringBlueSnap

Browse all 395 providers available in Sweden →

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.

More Europe Payment Providers