Invoice

Freemium €0/month: No setup fee; Business Account with EU IBAN; 1 physical + 1 virtual Visa card included; €0.99 per local transfer; 2.19% per ATM withdrawal. Smart €10/month per user, billed annually: 1 physical + 2 virtual Visa cards included; 20 free transfers/month; ATM withdrawals: 2 free/month, 5 with annual plan; €5,000/month commission-free local POS transactions. Pro €29/month per user, billed annually: 5 physical + 100 virtual Visa cards included; 50 free transfers/month; ATM withdrawals: 4 free/month, 10 with annual plan; €7,000/month commission-free local POS transactions.

Next business day

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.

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.

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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%.

You’re paid the week after a successful capture (not when the order is authorized).

Swedbank Pay

Nordic payments

Mondido

E-commerce merchants, particularly Shopify stores, that want to offer Nordic local payment methods such as Swish, Vipps and MobilePay alongside cards, wallets and invoicing.

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Visa/Mastercard: from 1.35% + 1.70 SEK; AMEX: 1.0% + 1 SEK; Bank Payments (Trustly): 1.0% + 1 SEK; PayPal: 1.0% + 1.5 SEK; Swish (Sweden): 1.0% + 1.5 SEK; Vipps (Norway): From 1.89% + 1 NOK + 1 SEK; PDF invoice: 8 SEK; B2B invoice (TWO): 1.0% + 1 SEK; E-commerce platform fee (Shopify, WooCommerce, Magento, Prestashop): 0.5%; Refunds: 1 SEK; Recurring payments (subscriptions and stored cards): 0.5% + 250 SEK / month; Minimum charge: 450 SEK / month. Interchange ++ or other fees from third parties may be added to the actual cost.

Payone

German Omnichannel Payments

Paytrail

Finnish e-commerce

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From €59/month + transaction fees

Novalnet

European online and omnichannel merchants that want cards, local methods and guaranteed invoice or SEPA Direct Debit on one contract, along with subscription billing and receivables management.

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Per novalnet.com (Nov 2026): Visa/Mastercard EUR 0.24 + 1.70%; Amex, JCB, UnionPay, Discover, Diners EUR 0.24 + 2.99%; Apple Pay/Google Pay EUR 0.24 + 1.99%; SEPA Direct Debit EUR 0.24 + 1.50%; invoice EUR 0.24 + 0.99%; online bank transfer EUR 0.24 + 1.10%; iDEAL | Wero EUR 0.28 + 0.30%; guaranteed invoice/SEPA priced by country and B2B/B2C (e.g. DE B2C guaranteed invoice EUR 0.42 + 2.4%); +1.5% surcharge on corporate/business and non-EU cards.

VR PayMe: girocard-Zahlungen werden abhängig vom Vertrag in der Regel binnen ein bis zwei Werktagen auf Ihrem Konto gutgeschrieben. Kreditkartenzahlungen werden einmal wöchentlich ausgezahlt.

VR Payment

German retailers, small shops, mobile businesses and online shops, especially those banking with Volksbanken Raiffeisenbanken, that want card acceptance in-store, on the move or online.

Whop

Claimed View provider

Checkin

Event organisers, associations and businesses in Norway, Sweden and Denmark that want ticket sales, payment collection, invoicing and accounting in one registration platform, without setting up their own payment agreements.

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Checkin charges a small flat fee of 10 kr/€ 1 excluding VAT + 2% per ticket sold. Free events: €1 /per ticket. Paid events: €1 + 2% service /per ticket (*Transaction fee 2.5%). Flat fee: € 0,80 + 2% service fee per ticket sold; No upfront costs; All card and mobile provider fees are included; Maximum price of €45 excl. VAT for purchases with invoice. Customized agreements: Contact us.

Your payments are collected and paid out every two weeks

Mondu

B2B sellers (webshops, marketplaces and multichannel sellers) that want to offer business buyers invoice payment terms or installments without taking on credit risk.

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Mondu’s Buy Now, Pay Later solution is priced at a Merchant Discount Rate (MDR) of 1.5-3.0%, similar to other payment methods like credit cards and comparable to Agio/Skonto. The exact fees depend on the net terms offered to the buyers, volume of transactions, basket size, industry and payout terms.

Vivid

Small businesses, freelancers, and retail or hospitality merchants in Germany that want a business account bundled with payment links and a free card terminal.

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Fee for receiving card payments from clients (EEA cards), from 0,79% (+0,25 €); POS terminal: Free; Flat transaction fee (all cards): Up to 1.49%. Terminal: "a transaction fee of just 1.49% for EEA consumer cards".

Sales made via the card payment terminal are usually available in your Merchant account the next business day. Alternatively, you can activate instant payouts in the settings.

PayHQ

Businesses that use several payment gateways and want a single integration to route between them, add bank payments (BankPay), and reconcile payments against invoices.

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Standard plan from free to 0.5% (first £1,000 free; final price by integration and volume); BankPay open banking marketed as no transaction fees; SMS 5p each; Sage integration +0.1% of turnover; Enterprise by quote

Receive funds in seconds, not days.

Valitse tarpeidesi mukaan päivittäiset, viikoittaiset tai kuukausittaiset tilitykset. Päivittäiset tilitykset saatavilla vain Power-paketteihin. Tilitysviive on 3 päivää kaikille maksutapahtumille.

Visma Pay

Finnish online shops, app businesses and multi-merchant marketplaces that want card, Finnish online-bank, mobile-wallet and Klarna payments through one contract, with tiered monthly plans based on sales volume.

Walley (Collector)

BNPL & invoicing

Trilo

Independent high-street businesses such as cafes, shops and hospitality venues, as well as sports clubs, that want subscription-priced payments built into a CRM and loyalty tool.

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Payments – Core: £25/mo, "Unlimited immediate payments straight to your bank, up to £5k monthly."; Pro: £50/mo, "Process up to £25k per month with no fees."; Unlimited: Custom. CRM & Notebook – Starter £25/mo, Core £50/mo. Invoices – Starter £5/mo, Core £25/mo.

you'll receive your money directly to your bank in seconds

Billmate

Swedish e-commerce

Ratepay

German BNPL Payments

EasyMe

Danish therapists, practitioners and small clinics, plus sellers of online courses, who want booking, invoicing and online payments in one subscription system.

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Subscription (excl. 25% Danish VAT): Solo DKK 497 per 30 days, Klinik DKK 1,995 per 30 days, Online DKK 549 per 30 days. Card payments: 1.7% + DKK 1.80 (Solo/Online), 1.5% + DKK 1.80 (Klinik); foreign and business cards: 2.9% + DKK 1.80; FIK payments: DKK 1.80.