Fintech infrastructure providers in Sweden

Billhop (Stockholm, Sweden) - B2B payments by card: companies pay any supplier invoice with a credit card even where the vendor does not accept cards, unlocking working capital and card float for procurement; EUR 10.5m Series A for European expansion. Payment institution (Swedish FSA).

Brite AB (org.nr 559116-1632) - licensed Payment Institution, Swedish FSA (Finansinspektionen); instant A2A / pay-by-bank across Nordics + EU.

Findity (Sweden) - expense-management software, white-labelled for banks and partners. Pure software (no card licence).

Getswish (Stockholm, Sweden) - operator of Swish, the Swedish A2A mobile scheme; owned by six Swedish banks (Danske Bank, Handelsbanken, Länsförsäkringar, Nordea, SEB, Swedbank/Sparbankerna), with 8m+ users and 300k+ merchants, settling via RIX. European scheme.

Juni (Juni Technology AB, Gothenburg, Sweden) - e-commerce spend management and banking for online businesses: cards, accounts, expense, accounting and global payments. EMI, Swedish FSA; USD 282m+ raised.

Klarna Bank AB (publ) (org. 556737-0431) - full banking licence Swedish FSA since 2017 (category 2 institution), passported EEA. BNPL pioneer; rolling out Klarna Card (debit) across 10 EU markets 2025; FCA authorisation UK (Jul 2025). NB: SFSA SEK 500m AML remark/fine 2025.

Klarna Kosma (Sweden) - the open-banking arm of Klarna (AISP), offering broad European bank connectivity for data and verification.

Medius (Linköping, Sweden; founded 2001) - AP automation and source-to-pay / business spend management; ~4,000 customers, USD 160bn+ transactions a year, a Leader in the 2026 Gartner MQ for AP. Software vendor.

Open Payments (Stockholm, Sweden; founded 2017) - open-banking platform for B2B payments: one unified API combining PSD2 bank connections with ISO 20022 payment integrations for domestic and cross-border payments, reconciliation and cash management. Payment institution under Swedish FSA supervision; EUR 3m raised to accelerate B2B payments.

Pagero (Gothenburg, Sweden) - global e-invoicing and business network, certified in every Peppol jurisdiction worldwide. NB: acquired by Thomson Reuters (US/Canada) in 2024 - ownership flag.

Tink (Sweden) - open banking AIS + PIS across 3,400+ banks in 18 markets. Authorised PI (Swedish FSA, ID 44059); acquired by Visa in 2022 (EUR 1.8bn).

Trustly (Sweden; founded 2008) - pay-by-bank / A2A leader across the Nordics and EU, over SEPA. Licensed PI (Swedish FSA + FCA UK).

Younium (Stockholm, Sweden) - B2B subscription management: billing, revenue recognition (ASC 606) and subscription analytics with multi-currency support. Swedish SaaS (unlicensed software).

Zimpler (Stockholm, Sweden) - instant account-to-account payments and payouts for European businesses: pay-ins, instant cross-border payouts and a technical partnership making Swish available to merchants through Zimpler's A2A stack. Payment institution (Swedish FSA).

Intergiro (Sweden) - BaaS. NB: EMI revoked 18 Jun 2025, insolvency 31 Jul 2025 - kept as a proof-of-value entry for the status/risk column.