Betalingsleverandører

Betalingsleverandører, or payment service providers (PSPs), are entities that enable merchants to accept electronic payments from customers. They provide the technical infrastructure, interfaces, and settlement processes needed to process card payments, mobile wallets, bank transfers, and other methods. A typical PSP offers a payment gateway to collect payment data, a processor to authorize and route transactions, and a merchant account or settlement arrangement to receive funds. Some providers also deliver fraud protection, risk management, recurring billing, and multi-channel checkout.

Payment providers support a range of payment methods, including card payments (Visa, Mastercard), mobile wallets (Apple Pay, Google Pay), direct debit, and region-specific options. They may operate as standalone PSPs or as part of banks or fintech groups. In e-commerce and retail, PSPs simplify integration through APIs or hosted payment pages, enabling merchants to accept payments across channels and currencies.

Security and regulatory compliance are central. Merchants must meet PCI DSS requirements, and regulations such as PSD2 in Europe mandate strong customer authentication for many online payments. PSPs typically handle tokenization and encryption to protect card data and reduce exposure. Settlement times vary by method and provider, often ranging from same-day to several business days, and fees commonly include per-transaction charges, fixed fees, and sometimes monthly or setup costs.

When selecting a provider, merchants consider supported payment methods, geographic coverage, integration options, risk and fraud tools, reporting and analytics, support quality, and total cost of ownership. The market includes global players like Stripe, Adyen, PayPal, and Klarna, as well as regional incumbents such as Nets in certain markets.