Payment gateway integration options for startups in Sweden

Sweden National FlagSweden has an enabling entrepreneurial environment and it is no wonder that many successful tech companies have emerged from this European hub. With the vibrant business landscape in the country, what options for accepting payments do emerging startups have?

Some of the successful tech companies that have their origins in Sweden include Skype, Spotify, Pingdom, SoundCloud and Kazaa. When it comes to accepting online payments, Swedish startups mostly rely on payment processors from other countries. Let’s look at some of the top payment gateways for startups in the country.


Quickpay enables businesses to accept payments from all the common credit and debit cards, as well as other payment methods including Sofort Banking and PayPal. The gateway is easy to integrate on your website, supports multi-currency, and has a host of other features that will make it easy for you to do business online.

Fees: Quickpay has no setup fee. The monthly fee is €25 for up to 500 transactions. For over 500 transactions, the transaction fees range from €0.0067 to €0.015. Check the website for comprehensive pricing information.


WireCard is one of the popular international payment gateways in Sweden. The company offers its clients different electronic payment services and customized solutions. WireCard allows businesses to accept payments from all the major credit cards and also offers other service payments such as Electronic Funds Transfer (EFT), iDEAL, giropay, PayPal payments, mobile payment and others.

Fees: WireCard’s monthly fee is €9.90. Check the pricing schedule for a complete list of all the fees applicable.


Braintree Payments recently rolled out its operations to Europe, Australia and Canada and is a good option for startups in Sweden. Braintree makes it easy for businesses to accept payment online without the need for a merchant account or PCI compliance. Companies can accept payments in Swedish Kroner and over 130 currencies.

Fees: Braintree works with multiple banks in different countries, and the fees charged by the banks vary. Contact Braintree’s Europe team at 00.800.4005.4400 for pricing information.


WorldPay is payment gateway that is mostly popular in UK but also serves most of Europe. The company offers merchant service for small businesses and corporations, enabling them to accept credit card payment online, recurring billing and mobile payments. The company has a Business Gateways Plus package, an all-in-one package for online payment collection. With the package, you require an internet merchant account to be able to accept credit cards and other popular payments.

Fees: WorldPay charges merchants based on their risk, volume and other factors. Contact the company on +44 (0)1268 500 615 for pricing information.

DIBS Payments

DIBS Payments is a Swedish company and has been offering online payments since 2005. The company is PCI complaint and enables business to accept more than 40 types of payments. All major credit and debit cards are supported and users can set up recurring billing, split billing, offer vouchers, get paid directly on Facebook, accept PayPal and mobile payments, among others.

Fees: Contact DIBS Payments for pricing information.


For businesses that process a low amount of transactions, Nochex Payment has excellent rates. The company approves merchant accounts in two days and has no monthly, annual, management, fraud protection, settlement or reporting fees. Nochex merchant account is easy to integrate and has the standard features offered by many merchant accounts providers.

Fees: There is a one-time set up fee of £50 and rates start from 2.9% + 20p per transaction. The more you process, the lower your fees get.

Other payment options that startups in Sweden can use include 2Checkout, PayPal, Skrill and others.

There are plenty of options available and you need to select the one which will suit to your business needs. Check fees, merchant account agreement, support and reputation of the company.

Which payment gateways do you recommend for Sweden start-ups or businesses that wish to accept credit card payments? Share your thoughts below.

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  • Red

    Hi John,
    Nice post. Wondering how old this information is? I don’t see a date…
    Also wondering if there are now any new competitors to the above list uou may have found since?. It is a pity PayPal do not offer “Paypal Payments Pro” in Sweden as it integrates very easily with WordPress based sites in the US and UK. Also most ecommerce plugins, or all support PayPal, so getting up and running is a piece of cake to accept Credit Cards online.
    If nothing new on the list do you have any recommendations on the above?

    • johnsolomonsays

      Hi Red, this post was published on 27th Jan 2013. So it is just a month old.
      There are many possible options in Sweden as you can see from the above list. It boils down to what your requirement is. Is it for a ecommerce website or is it for a SaaS product.
      If you can give me more details, I can give you a proper recommendation as we’ve worked with most of the gateways listed above.

      • Rafael Ángel Milanés

        Hello John, i’ve read your info, it’s pretty satisfying, thank you. I have a question, i’m starting to set up my shopify account and when it comes to payment and all i’m a bit lost, so my question is, in my case i already have an account in my bank for companies, do banks have payment gateways or is that a service that i should get through another company? i have a paypal account, same question here, do they have payment gateways or is that something i should find somewhere else? do recommend something?

        thank you


        • John Solomon

          Hello Rafael,

          Most banks provide a payment gateway. However, you should look up to this list to check if the payment gateway from your bank is supported by Shopify.

          If not you can request a supported payment gateway in your country to check if the bank’s merchant account can be used with them. Mostly it works both ways.

          With PayPal (PayPal Standard that is available in most countries), you do not need a separate payment gateway. It is a payment gateway + merchant account bundled into one.

  • Ese

    Hi John
    I am in the process of setting up a online store selling cosmetics and personal care products to the Swedish market. Can you please advise what would be the best online payment gateways for this new startup. I already have a payson account but do not think this is sufficient enough

    Please advise

    Many thanks