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AI tools for payments

7 tools, ranked by our overall rating.

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1

Klarna

Klarna

4,0 Very good
Swedish
Swedish Payments Price on request EU data storage ✓

Swedish payment solution with invoice, instalments and Klarna Checkout, well-known in the checkout among Swedish customers.

  • Well-known and trusted by Swedish customers
  • Often increases conversion
  • Transaction fees can become high

Best for: E-commerce stores that want to offer invoice and instalment payments.

2

Swish

Getswish AB

4,0 Very good
Swedish
Swedish Payments Price on request EU data storage ✓

Sweden's standard for fast payments. Swish Handel lets businesses take payments directly on mobile.

  • All Swedes have it
  • Real-time direct payment
  • Mainly for Swedish customers

Best for: Small businesses that want to get paid quickly by Swedish customers.

3

Bambora

Worldline

3,8 Good
EU/EEA Payments Price on request EU data storage ✓

Payment solution with Swedish origin (Borås). The Bambora brand has been absorbed into French Worldline and bambora.com redirects to worldline.com. Cards online and in-store.

  • Swedish origin, European owner
  • Both online and physical store
  • Pricing on request, no public price list

Best for: Stores that want card and online payments.

4

Mollie

Mollie

3,8 Good
GDPR-friendly
EU/EEA Payments Price on request EU data storage ✓

Mollie is a Dutch payment provider based in Amsterdam aimed at e-commerce businesses. Pricing is transaction-based with no fixed fees, so you pay for what you sell. The company stores data within the EU and acts as a data controller under GDPR.

  • Quick to integrate into the webshop, which makes it easy to get started as a smaller e-commerce business.
  • European company based in Amsterdam that stores data within the EU and acts as a data controller under GDPR.
  • Does not offer as many local Swedish payment methods as Klarna.

Best for: A smaller Swedish webshop that wants to get started with European payments without lock-in periods or fixed monthly costs.

5

Worldline

Worldline

3,8 Good
EU/EEA Payments Price on request EU data storage ✓ ISO 27001

One of Europe's largest payment providers, which owns Bambora among others. Covers card payments, online payments and card terminals, with main data centers in France, Belgium, Luxembourg and Germany. Certified to ISO 27001:2022.

  • One of Europe's largest players, with cards, online payments and terminals in the same offering.
  • European footing: the main data centers are located in France, Belgium, Luxembourg and Germany.
  • More oriented towards larger companies than towards the smallest webshop.

Best for: An established business with both a physical store and e-commerce that wants cards, terminals and online payments with a single large European partner.

6

Trustly

Trustly

3,5 Good
Swedish Payments Price on request EU data storage ✓ ISO 27001

Swedish payment institution supervised by Finansinspektionen that lets customers pay directly from their bank account, with no card involved. Common for online purchases and subscriptions. ISO 27001 certified, and personal data is stored within the EU/EEA according to the privacy policy.

  • Trustly is a Swedish payment institution supervised by Finansinspektionen.
  • Customers pay directly from their bank account, so no card details need to be shared.
  • Best suited to specific payment flows like online purchases and subscriptions.

Best for: A webshop or subscription service that wants to offer direct bank payments at checkout, alongside cards.

7

Adyen

Adyen

3,3 Good
EU/EEA Payments Price on request EU data storage ✓ ISO 27001

Dutch payment giant behind many large e-commerce merchants. Broad and proven, but built for volume.

  • Market-leading European player
  • Covers the full payment flow and is stable in operation
  • Too big and expensive for a one-person business

Best for: Growing companies with high payment volume.