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.

PingPong Payments logo

PingPong Payments

Cross-Border E-Commerce Payouts

regional
Fees
1% cross-border fee
Settlement
1–3 business days
Low Fees
Recurring
Sandbox
View provider
Reepay logo

Reepay

Subscription billing

regional
Fees
1% + €0.25
Settlement
2 business days
Recurring
Startup
Sandbox
View provider
Conferma Pay logo

Conferma Pay

Travel Virtual Cards

traditional
Fees
Custom
Settlement
Varies
Enterprise
Sandbox
View provider
Stellar (SDF) logo

Stellar (SDF)

Blockchain Cross-Border Payment Network

crypto
Fees
Custom
Settlement
Varies
Crypto
High Risk
Low Fees
Sandbox
View provider
Papaya Global logo

Papaya Global

Global Workforce Payments

traditional
Fees
From $3 per payment
Settlement
2–5 business days
Enterprise
Sandbox
View provider
Reach logo

Reach

Cross-Border MoR Payments

traditional
Fees
Per-transaction + FX
Settlement
30 business days
Enterprise
Sandbox
View provider
i2c logo

i2c

Global Card Issuing & Processing

infrastructure +1
Fees
Custom
Settlement
Varies
Enterprise
Sandbox
View provider
Patreon logo

Patreon

Creator Membership Payments

traditional
Fees
5-12% platform fee + payment processing
Settlement
30 business days
Recurring
Startup
Sandbox
View provider
OpenNode logo

OpenNode

Bitcoin Lightning

crypto
Fees
1%
Settlement
Instant
Crypto
High Risk
Instant
Sandbox
View provider
Tebex logo

Tebex

Game Monetization

gaming
Fees
From 5% per transaction
Settlement
7 business days
Virtual Items
Sandbox
View provider
BlockBee logo

BlockBee

Crypto E-Commerce

crypto
Fees
0.25% per transaction
Settlement
Varies
Crypto
High Risk
Instant
Sandbox
View provider
CashtoCode logo

CashtoCode

iGaming Cash Payments

gaming
Fees
Custom
Settlement
Instant
High Risk
Sandbox
View provider
P

PayU Turkey

Turkish merchants with international customers

traditional
Fees
2.5% + ₺0.40 for cards; bank transfers 0.8%
Settlement
Varies
Sandbox
View provider
Request Network logo

Request Network

Crypto Invoicing Protocol

crypto
Fees
Custom
Settlement
Near-instant
Crypto
High Risk
Low Fees
Sandbox
View provider
Remitly logo

Remitly

International Remittances

traditional
Fees
Custom
Settlement
Varies
Enterprise
Instant
Low Fees
View provider
Binance Pay logo

Binance Pay

Crypto P2P & Merchant Payments

crypto
Fees
0% fees
Settlement
Instant
Crypto
High Risk
Low Fees
Sandbox
View provider
LianLian Pay logo

LianLian Pay

China Cross-Border Payments

regional
Fees
Custom
Settlement
Instant
Enterprise
Sandbox
View provider
Interactive Brokers logo

Interactive Brokers

Investment Account Funding & Transfers

traditional
Fees
Custom
Settlement
Varies
Enterprise
Low Fees
Sandbox
View provider
Ecwid Payments logo

Ecwid Payments

Multi-Channel E-Commerce

embedded
Fees
2.9% + $0.30 per transaction
Settlement
Varies
Crypto
Startup
Sandbox
View provider
PayMyTuition logo

PayMyTuition

Student Tuition Payments

traditional
Fees
Custom
Settlement
Near-instant
Low Fees
View provider
Superfluid logo

Superfluid

Crypto Streaming Payments

crypto
Fees
Custom
Settlement
Instant
Crypto
High Risk
Low Fees
Sandbox
View provider
NMI logo

NMI

Payment aggregators and ISV partners

infrastructure
Fees
Custom
Settlement
Varies
View provider
Basis Theory logo

Basis Theory

Developer Tokenization Platform

traditional
Fees
Free tier + usage-based
Settlement
Varies
Startup
Sandbox
View provider
Payabl logo

Payabl

European Merchant Services & Card Issuing

traditional
Fees
Per-transaction
Settlement
Varies
Enterprise
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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