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.

Payza logo

Payza

Global Online Payments

traditional
Fees
2.5% + $0.25 per transaction
Settlement
Varies
Crypto
Sandbox
View provider
Mirakl logo

Mirakl

Enterprise Marketplace Platform

traditional
Fees
Custom
Settlement
Configurable per marketplace
Enterprise
Sandbox
View provider
Paydock logo

Paydock

Australian Payment Orchestration

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

Tab

Hotels, tours, and travel experiences

traditional
Fees
2.5-3% for travel transactions
Settlement
Varies
View provider
Ripple (XRP) logo

Ripple (XRP)

Enterprise Blockchain Cross-Border Payments

crypto
Fees
Per-transaction
Settlement
Varies
Crypto
Enterprise
High Risk
Sandbox
View provider
Splitit logo

Splitit

Credit Card Installments

traditional
Fees
Merchant fees 1.5%-3% per transaction
Settlement
14–28 business days
Sandbox
View provider
Featurespace logo

Featurespace

Behavioral Fraud Analytics

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

Swaps

Crypto-friendly merchants and platforms

crypto
Fees
1-2% for crypto transactions and conversions
Settlement
Varies
Crypto
High Risk
View provider
Paysafecard logo

Paysafecard

Prepaid Online Vouchers

traditional
Fees
Free for consumers, merchant fees vary
Settlement
1–2 business days
Sandbox
View provider
Salt Edge logo

Salt Edge

European Open Banking

traditional
Fees
Custom
Settlement
Varies by provider
Enterprise
Sandbox
View provider
TransferGo logo

TransferGo

European Cross-Border Transfers

traditional
Fees
From €0.99 per transfer
Settlement
1–2 business days
Instant
Low Fees
View provider
XTransfer logo

XTransfer

B2B cross-border payments from China to global markets

traditional
Fees
1.5-2.5% for B2B cross-border transfers
Settlement
Varies
View provider
Gumroad logo

Gumroad

Digital Creators

traditional
Fees
10% + $0.5
Settlement
7 business days
Startup
View provider
Sendwave logo

Sendwave

Zero-Fee African Remittances

regional
Fees
Zero fees, FX margin
Settlement
Varies
Instant
Low Fees
View provider
Mojaloop logo

Mojaloop

Central banks and payment system operators

traditional
Fees
Custom
Settlement
Varies
View provider
Tether logo

Tether

USDT Stablecoin Payments

crypto
Fees
Custom
Settlement
Varies
Crypto
High Risk
View provider
Mangopay logo

Mangopay

Marketplaces, platforms, and multi-party transactions

traditional
Fees
1.45% + €0.45 for card payments; marketplace fees vary
Settlement
Varies
View provider
Tradeshift logo

Tradeshift

B2B Supply Chain Payments

traditional
Fees
Custom
Settlement
Varies
Enterprise
View provider
Paybis logo

Paybis

Crypto Purchase Platform

crypto
Fees
From 1.99%
Settlement
Varies
Crypto
High Risk
View provider
JCB International logo

JCB International

Japanese International Card Network

traditional
Fees
Interchange-based
Settlement
Varies
Enterprise
View provider
SpicePay logo

SpicePay

Crypto-to-Fiat Merchant Settlement

crypto
Fees
1%
Settlement
Varies
Crypto
High Risk
Instant
View provider
OFX logo

OFX

Large International Transfers

traditional
Fees
Custom
Settlement
1–2 business days
Low Fees
View provider
XE Money Transfer logo

XE Money Transfer

FX-Optimized International Transfers

traditional
Fees
Custom
Settlement
Varies
Low Fees
View provider
Guidewire logo

Guidewire

Insurance Core Systems

traditional
Fees
Custom
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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