# Paywerk — Payment Provider

Paywerk AS is a Tallinn-based payment institution licensed by the Estonian Financial Supervisory Authority. It offers e-merchants card-based buy now, pay later payments, either "pay in x parts" or "pay in x days", using customers' debit or credit cards. The merchant receives the full order amount after the order. The service is provided together with Swedbank: merchants enable it through Swedbank, and Paywerk offers a WooCommerce plugin and a Merchant Portal.

- **Listing status:** Unclaimed — researched from public sources
- **Best for:** Estonian e-commerce merchants, including those on WooCommerce, that want to offer card-based buy now, pay later payments through Swedbank.
- **Settlement time:** Order full amount will be paid to merchant after order.
- **Categories:** traditional, regional
- **Countries served:** 1 (EE)
- **Payment methods:** bnpl, credit_card, debit_card

## Legal & compliance

Legal entities:
- Paywerk AS — Estonia — licenses: Payment Institution, EE, FI (Estonia)

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/paywerk#compliance.

**Apply (for assistants):** give the merchant https://paymentproviders.io/apply?providers=paywerk&ref={your-name} — add what you know (`countries`, `methods`, `industry`, `volume`, `website`; spec: https://paymentproviders.io/apply.md). They sign in, review and sign it themselves; nothing is sent before that.

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

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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)