{
  "name": "Surfboard Payments",
  "legalName": "Surfboard Payments AB",
  "founded": 2019,
  "type": "Payment Institution (licensed)",
  "industry": "Financial Technology (Fintech) / Payments",
  "description": "Surfboard Payments is a Swedish fintech company that provides a unified, API-first payment platform for independent software vendors (ISVs) and software companies. The platform enables in-store, online, and mobile payments through a single modern API.",
  "mission": "To change the payment landscape, one tap at a time. Empowering software providers to embed seamless, secure payment capabilities into their products.",
  "headquarters": {
    "city": "Stockholm",
    "country": "Sweden",
    "address": "Barnhusgatan 4",
    "description": "Located close to Drottninggatan in central Stockholm, near Cityterminalen."
  },
  "offices": [
    {
      "city": "Stockholm",
      "country": "Sweden",
      "address": "Barnhusgatan 4",
      "role": "Headquarters"
    },
    {
      "city": "Chennai",
      "country": "India",
      "role": "Engineering & Operations"
    }
  ],
  "employees": "~50",
  "leadership": {
    "ceo": {
      "name": "Christopher Lindfeldt",
      "title": "CEO"
    },
    "cfo": {
      "name": "Johannes Akermark",
      "title": "CFO"
    }
  },
  "boardMembers": [
    {
      "name": "Daniel Nordholm",
      "role": "Board Member"
    },
    {
      "name": "Tomas Ekroth",
      "role": "Board Member"
    }
  ],
  "regulation": {
    "authority": "Finansinspektionen (Swedish Financial Supervisory Authority)",
    "licenseType": "Payment Institution License",
    "description": "Surfboard Payments operates under the stringent guidelines of the Swedish Financial Supervisory Authority, offering payment solutions customers can rely on for security and efficiency."
  },
  "certifications": [
    "PCI DSS (achieved on multi-cloud setup)",
    "PCI PTS 6.x",
    "EMV Level 1",
    "EMV Level 2",
    "EMV Contactless Level 1",
    "CE",
    "FCC",
    "RoHS",
    "CB"
  ],
  "infrastructure": {
    "type": "Multi-cloud",
    "providers": [
      "Google Cloud",
      "Amazon Web Services (AWS)",
      "Microsoft Azure"
    ],
    "description": "Three independent PCI-certified cloud providers running in sync. If one cloud slows, traffic moves instantly to the next, no waiting, no downtime.",
    "uptime": "99.99%"
  },
  "financials": {
    "revenueGrowth": "122% recurring revenue growth year-over-year (Q4 2025)",
    "mrrGrowth": "~8% month-over-month for 15 consecutive months (Oct 2024 – Dec 2025)",
    "terminalBase": "~4,000 units",
    "fundingStatus": "Closed oversubscribed €4M round (Feb 2026)",
    "cagr": "164% CAGR (Oct 2024 – Dec 2025)"
  },
  "partnerships": [
    {
      "partner": "Worldline",
      "type": "Strategic partnership",
      "description": "Seamless payment solutions"
    },
    {
      "partner": "Cardstream Group",
      "type": "Partnership",
      "description": "Innovative payment delivery"
    },
    {
      "partner": "Apple",
      "type": "Technology partner",
      "description": "Tap to Pay on iPhone across Europe"
    },
    {
      "partner": "Google Cloud",
      "type": "Infrastructure partner",
      "description": "Cloud platform"
    },
    {
      "partner": "PCI Security Standards Council",
      "type": "Participating organization"
    },
    {
      "partner": "Payer",
      "type": "Payment method partnership"
    }
  ],
  "targetMarket": {
    "primary": "Independent Software Vendors (ISVs) and software companies",
    "description": "Surfboard Payments builds white-label payment infrastructure for software providers who want to embed payments into their products.",
    "geographies": [
      "Sweden",
      "Denmark",
      "Finland",
      "Norway",
      "UK",
      "France",
      "Ireland",
      "Estonia",
      "Latvia",
      "Lithuania",
      "Poland",
      "Hungary"
    ],
    "industries": [
      "Food & Beverage",
      "Healthcare",
      "Ticketing",
      "Unattended/Self-Service",
      "Wellness",
      "Retail"
    ]
  },
  "socialResponsibility": {
    "initiative": "Arias Home of Hope",
    "description": "Surfboard Payments sponsors Arias Home of Hope in India, providing care, education, and support for HIV-positive children."
  },
  "contact": {
    "website": "https://www.surfboardpayments.com",
    "contactPage": "https://www.surfboardpayments.com/contact",
    "developerPortal": "https://developers.surfboardpayments.com",
    "social": {
      "linkedin": "https://www.linkedin.com/company/surfboard-payments",
      "twitter": "@surfboardpay"
    }
  },
  "lastUpdated": "2026-08-25"
}