PayLens /Markets

Norway

NOK5.55 MNordics

Payment mix at the point of sale · 2025

Cards 66%

Wallets 30%

Cash2%
Cards66%
Wallets30%

Cash settles 2% of payments here, the 18-highest of 18 tracked markets.

Key figures

12.647 M

Cards in issue

86%

Contactless

27%

E-commerce

€35

Avg. card payment

rank 10 of 22

Accepted methods · 15

BankAxept· domesticVisaMastercardAmerican ExpressUnionPayJCBDiners Club / DiscoverApple PayGoogle PayPayPalSEPA Instant Credit TransferWeroKlarnaUSDC (stablecoin acceptance)Samsung Pay

What applies here

Supervisor: Norges Bank
Interchange: EU IFR applies via the EEA Agreement: 0.2% debit / 0.3% credit on consumer cards.
Surcharging: Banned on consumer cards covered by the IFR via the PSD2 Art. 62(4) ban (EEA member); Norway did not adopt a wider national surcharging prohibition.

15providers with a tracked share

Who, and at what share

Headquartered here · 3

Dintero AS Stø AS

Vipps MobilePay AS

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Sources: ec.europa.eu·eur-lex.europa.eu·norges-bank.no

Data as of 12 Aug 2026·Compare all 22 markets