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.

WEX logo

WEX

Fleet & Fuel Card Payments

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

SkinsBack

Gaming skins payments

gaming
Fees
No fees
Settlement
Instant
Instant
Startup
Virtual Items
View provider
Givex logo

Givex

Gift Cards & Loyalty Programs

traditional
Fees
Custom
Settlement
Varies
Enterprise
View provider
ProcessOut logo

ProcessOut

Payment Orchestration & Analytics

traditional
Fees
Custom
Settlement
Varies by processor
Enterprise
Sandbox
View provider
Verto logo

Verto

B2B Cross-Border FX

traditional
Fees
Custom
Settlement
Same day
Enterprise
Low Fees
Sandbox
View provider
Open Collective logo

Open Collective

Open Source & Community Funding

traditional
Fees
5-10% host fee + payment processing
Settlement
Instant to 2 business days
Startup
View provider
Visa Direct logo

Visa Direct

Real-Time Push Payments to Visa Cards

traditional
Fees
Per-transaction
Settlement
Instant
Enterprise
Instant
Sandbox
View provider
TerraPay logo

TerraPay

Global Real-Time Settlements

traditional
Fees
Per-transaction
Settlement
Varies
Enterprise
Instant
Sandbox
View provider
Nium logo

Nium

B2B cross-border payments and card issuance

traditional
Fees
0.5-1.5% for cross-border B2B transfers
Settlement
Varies
Crypto
View provider
Payrails logo

Payrails

Payment Flow Optimization

traditional
Fees
Custom
Settlement
Varies by PSP
Enterprise
Sandbox
View provider
Amdocs logo

Amdocs

Telecom Billing & Payments

traditional
Fees
Custom
Settlement
Varies by carrier agreement
Enterprise
Recurring
Sandbox
View provider
Feedzai logo

Feedzai

AI Financial Crime Prevention

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

PayOp Gaming

iGaming Payment Gateway

gaming
Fees
Custom
Settlement
Varies
Crypto
High Risk
Virtual Items
Sandbox
View provider
Ikajo logo

Ikajo

White-Label Payment Gateway

traditional
Fees
Custom
Settlement
Varies
Crypto
Enterprise
High Risk
Sandbox
View provider
Payall logo

Payall

Emerging Market Cross-Border Payments

infrastructure +1
Fees
Per-transaction + FX
Settlement
Varies
Instant
Sandbox
View provider
Recharge Payments logo

Recharge Payments

E-Commerce Subscription Management

traditional
Fees
1.34%–1.49% + $99
Settlement
Via payment processor (Stripe/Braintree)
Recurring
Startup
Sandbox
View provider
Ant Group logo

Ant Group

Chinese Fintech Ecosystem

traditional
Fees
Custom
Settlement
Varies
Enterprise
Sandbox
View provider
Veem logo

Veem

Global B2B Payments

traditional
Fees
Free domestic, custom international
Settlement
1–3 business days
Instant
Low Fees
Sandbox
View provider
Blackhawk Network logo

Blackhawk Network

Branded Payments & Gift Cards

traditional
Fees
Custom
Settlement
2–5 business days
Enterprise
View provider
WorldRemit logo

WorldRemit

International Money Transfers

traditional
Fees
From $0.99 per transfer
Settlement
Varies
Instant
Low Fees
View provider
Ria Money Transfer logo

Ria Money Transfer

Global Remittance Network

traditional
Fees
From $0 for some corridors
Settlement
Instant to 4 business days
Instant
View provider
InComm Payments logo

InComm Payments

Gift Cards & Prepaid Solutions

traditional
Fees
Custom
Settlement
Varies
Enterprise
View provider
WeTravel logo

WeTravel

Tour operators and travel agencies

traditional
Fees
2.9% + platform fees for payment processing
Settlement
Varies
View provider
PAX Technology logo

PAX Technology

Payment Terminal Manufacturer

traditional
Fees
Custom
Settlement
Varies
Enterprise
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.

More Europe Payment Providers