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Enabling Buy Now, Pay Later in-person

We’ve got some exciting news to share. Here at Surfboard Payments, we’re always looking for ways to make your payment experience better and more flexible. That’s why we’re thrilled to announce the launch of Buy Now, Pay Later (BNPL) capabilities on our platform. And guess what? Klarna is our very first BNPL partner!

What This Means for You

The integration of Buy Now, Pay Later as a payment method in all our acceptance devices is a major leap forward. As more shoppers seek flexible payment options, we want to ensure that your merchants can offer the best and most preferred ones. This new feature is seamlessly embedded into our platform, available both in-store and online. Your merchants can now provide their customers with the flexibility to pay at their own pace, enhancing the shopping experience and boosting sales.

Smooth and Seamless Integration

We’ve made it super easy for your merchants to add this new payment method to their payment options. Our first BNPL alternative, Klarna, is now fully integrated into Surfboard Payments, making it simple for businesses to offer this popular and trusted payment method. With our single integration system, this new payment method can be effortlessly added to our acceptance platform, benefiting all of your merchants.

Our BNPL integration is designed to be straightforward and efficient. Whether your merchants are using our Android-based SurfTouch terminals, our CheckoutX SoftPOS solution, or any other Surfboard terminal, the Buy Now, Pay Later option fits right in. This ensures a seamless and quick checkout experience, whether customers are shopping in-store, or online. It’s all about making transactions faster and more convenient for everyone involved.

Simplifying Your Payment Process

One of the best parts? Merchants using Surfboard Payments can now manage all transactions in one place. The payments, whether card, BNPL, or Swish, are consolidated into a single payout within 1-2 banking days, making reconciliation a breeze and improving cash flow management, eliminating the need for one agreement per payment method. This streamlined approach reduces administrative work and provides a more cohesive financial management system, giving merchants more time to focus on their business.

The checkout flow is also both fast and smooth. A QR code is generated in the screen of our terminals, which takes the consumer to the Klarna Checkout in their own smartphone. The time of the transaction is set to be under ten seconds, from initiating to completing. We’ve created a video showcasing how fast it is. Check it out below 👇

We’re committed to pushing the boundaries of payment solutions, and Klarna is just the beginning. Expect to see more exciting payment methods and innovative features rolling out soon. We're dedicated to continuously improving our platform to meet the dynamic needs of our partners and their merchants.

🚀 Adding payments to your offering: Did you know that you can integrate to our payments platform in a couple of hours? Learn more here »

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Checkout our products

Take a look at our products which includes both hardware-, and software-based payment solutions


Hardware terminal

Our all-in-one handheld smart terminal device with scanner. Possible to mount in the countertop with a charger stand


Hardware terminal

Our all-in-one handheld smart terminal device with scanner and printer. Good fit for restaurants, cafés, and bars


Hardware terminal

With a physical keypad. Perfect as a card terminal replacement, or paired with a customer-facing tablet screen


Hardware terminal

Our unattended payment terminal is designed to seamlessly integrate EV chargers, vending machines, public transport, and beyond.



Our 22-inch SoftPOS Android tablet for self-checkout and customer-facing payments.


Payment application

Our SoftPOS solution is for any Android smartphone, with no extra hardware needed. Can also be used as backup


Payment application

The customer-facing screen for multiple payment methods, loyalty, and campaigns. To be accompanied by the SurfPad


Online Payments

Pre-built checkout page through link or SDK for your webshop or app