PayLens /Markets

Sweden

Sweden

SEK10.55 MNordics

Payment mix at the point of sale · 2025

Cards 92%
  • Cash5%
  • Cards92%
  • Wallets2%
  • Other1%

Cash settles 5% of payments here, the 18-highest of 19 tracked markets.

POS terminals

212,800
2024·-10.8% year on year
192021222324

Provided by resident PSPs (ECB)

Key figures

18.163 M
Cards in issue
12.6%
E-commerce
€29
Avg. card payment
rank 15 of 22

Accepted methods · 15

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

What applies here

Supervisor
Sveriges Riksbank
Interchange
EU IFR: 0.2% debit / 0.3% credit on consumer cards.
Surcharging
Banned on consumer card payments; Sweden applies the PSD2 Art. 62(4) ban and operates a national prohibition on card surcharging.
15providers with a tracked share
Who, and at what share

Headquartered here · 10

Getswish ABKlarna Bank ABSEBSurfboard PaymentsSvea Bank ABSwedbankSwedbank PayTrustlyWestpay ABZettle (PayPal)

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Sources: ec.europa.eu·eur-lex.europa.eu·riksbank.se

Data as of 28 Sep 2026·Compare all 22 markets