Best Swedish Mobile Credit Card Processing Apps

What to Know Before Getting Started

Like most other European nations, Sweden has only a few mobile credit card processing apps for merchants to choose from. U.S. and UK merchants are lucky to be able to choose between dozens of Square and PayPal Here copycats, but Swedish merchants have to choose their smartphone payment processing from a much smaller field. This might be attributed to a combination of factors—less demand for phone payment apps among Swedish merchants, a less tech-centric Swedish economy, the sophisticated hardware required to process EMV and NFC card payments via Bluetooth—but the net result is a lack of options.

Even in a small market, some options are better than others. That’s why we have created the following list of the best Swedish mobile credit card processing apps. The processors on this list offer low-commitment, low-cost smartphone payment apps and equipment and have received generally positive reviews for their customer support. Some providers on this list may be a better fit for your business than others, so be sure to compare their costs and customer service options before signing up for service.

Our unbiased articles are supported in part by helping you find highly reviewed merchant accounts. You can learn more here.

Why These Merchant Account Providers


Headquartered in Sweden, iZettle is a mobile credit card processor that has been processing payments since 2010. The company’s products and services include an EMV- and NFC-compatible mobile credit card reader, a point-of-sale app, email marketing tools, sales analytics, Xero integration, point-of-sale hardware, and merchant cash advance. iZettle is capable of serving businesses in Sweden, Finland, Denmark, Norway, United Kingdom, Germany, France, Spain, Italy, Portugal, the Netherlands, Mexico, and Brazil.

iZettle does not charge any monthly fees and provides its card reader for a one-time cost of 379kr plus VAT. iZettle gradually lowers its transaction fee from 2.75% for merchants processing less than 20,000kr per month all the way down to 1% for merchants who process over 500,000kr per month. Our review of iZettle currently gives it an “A” rating overall.

For more information, see the iZettle website.

iZettle Highlights

379kr + VAT card reader
1% to 2.75% per transaction
Live customer support

Other Merchant Account Options

The providers in this section may not have been researched as thoroughly or may lack a quality that prevented them from being listed above. We have listed them here to provide a broader view of potential merchant account options. Are you a decision maker with your company and believe that you should be listed below? Tell us here.


A London-based business, SumUp is a mobile payment service that merged with Payleven in April 2016 and now acts as the parent brand between the two. Its products and services include an EMV/NFC card reader, a point-of-sale app, sales analytics, an itemized product catalogue, and digital receipts. Unlike iZettle, SumUp charges 1.9% for all transaction types. It also does not charge any monthly fees.

SumUp’s mobile card reader costs 699kr plus VAT. The company does not offer live phone support to its merchants. Our review of SumUp currently assigns it an “A” rating.

If we are missing any great Swedish mobile payment processing apps that should be included on this list, please let us know in the comment section below.

Thank you for reading my review. I hope that it has helped you with your research.

Why I'm Qualified to Write About Credit Card Processing

I'm a former credit card processing sales director who left the industry to start my own a small business. From the time that I starting working in the merchant services industry to when I left to write about it, I've been on the pulse of payments for nearly 15 years. It didn't seem fair to keep this insider knowledge to myself, so built this website to help small business owners research which service providers to use and how to save money on rates and fees. I've reviewed hundreds of companies, read thousands of user reviews, and learned the pricing tricks of every provider. If you have questions about credit card processing, you can find the answers here. I can help you save money with your current merchant account or help you find a new one. Message me here to get started.

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