# Focalpay — Payment Provider

Focalpay is a Stockholm-based, cloud-native commerce platform that combines checkout, backoffice and payments for retailers. Its checkout covers in-store and online journeys and can be delivered via SDK, API or web-based app. Its Payment Management Service and Payment Initiation Gateway sit behind other PSPs so that merchants can turn payment methods (including account-to-account) on or off and fail over to a backup provider. The firm is an authorised AISP and PISP.

- **Listing status:** Unclaimed — researched from public sources
- **Best for:** Retailers with physical stores and e-commerce that want a unified checkout, backoffice and payment-orchestration layer, including account-to-account payments.
- **Settlement time:** Instant
- **Categories:** embedded, infrastructure
- **Countries served:** 1 (SE)
- **Payment methods:** open_banking, qr_code

## Legal & compliance

Legal entities:
- FocalPay AB — Sweden — licenses: Payment Institution, SE, Finansinspektionen

1 license number and 1 register record (with register status history and verification links) require a signed-in PaymentProviders.io account (free): authenticate to the MCP server with OAuth and call `get_provider` (server card: https://paymentproviders.io/.well-known/mcp/server-card.json), or log in on the web at https://paymentproviders.io/providers/focalpay#compliance.


Canonical page: https://paymentproviders.io/providers/focalpay

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**Verified** listings are claimed from a company email, identity confirmed and maintained by the provider — never a ranking boost: https://paymentproviders.io/verified
More for agents: [llms.txt](https://paymentproviders.io/llms.txt) · MCP server card at https://paymentproviders.io/.well-known/mcp/server-card.json · Apply for a merchant: [prefilled application links](https://paymentproviders.io/apply.md)