# ZTL — Payment Provider

ZTL Payment Solution AS is an Oslo-based B2B paytech, authorised as a payment institution by the Norwegian FSA, that gives platforms and ERP systems modular payment APIs. Through one integration to the banks it supports in Norway, Sweden and Denmark, it handles domestic account-to-account payments, salary payments and international payments. Its products include open banking account information and payment initiation services, plus an FX API with live rates and forward settlement.

- **Listing status:** Unclaimed — researched from public sources
- **Best for:** Software platforms and ERP providers in the Nordics that want to embed bank-independent account-to-account payments, salary payments, account data and FX through a single API.
- **Fees:** FX API: cross-border payment less than 0.5%* (indicative); transaction fee 0 EUR; No pre-funding or hidden fees!
- **Fee model:** flat-rate
- **Categories:** infrastructure, embedded
- **Countries served:** 3 (DK, NO, SE)
- **Payment methods:** bank_transfer, open_banking

## Legal & compliance

Legal entities:
- ZTL Payment Solution AS — Norway — licenses: Payment Institution, NO, Finanstilsynet (NO)

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/ztl#compliance.


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

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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)