Published insights

Digital Wallet Adoption in the Nordics: Paving the Way for Seamless Checkout Experiences

In the Nordic region, digital wallets like Apple Pay, Google Pay, Swish, and Vipps have gained significant traction, driven by the need for seamless and secure payment solutions. According to a VISA report, the adoption rate of digital wallets in the Nordics has skyrocketed, and nearly 30% of all e-commerce spend is through digital wallets. At Surfboard Payments, we are at the forefront of this digital transformation, providing an integrated platform that includes these popular digital wallets out-of-the-box, eliminating the need for separate merchant onboarding or individual merchant IDs.

The Critical Importance of Frictionless Checkout Experiences

In today's fast-paced digital economy, consumers demand quick, secure, and hassle-free transactions. Any delays or complexities during the checkout process can lead to cart abandonment, resulting in lost sales and decreased customer satisfaction. At the same time, this requires a lot by software vendors and merchants. Fraud in the card-not-present environment is almost 10 times higher than those seen in in-person payments. This needs to be dealt with and taken into consideration, which of course adds some complexity and requirements to those integrations. However, by integrating popular digital wallets, Surfboard Payments ensures that our partners can offer their merchants the swift and secure payment methods they prefer, enhancing the overall user experience.

With Apple launching the cross-browser and cross-platform extension of their Apple Pay solution, the line between what the consumer can accept as friction and still continue, and what to require will be erased. To be able to offer your merchants a competitive online checkout, you will need to get every requirement in there. From a quick checkout to network tokens, and the consumers preferred payment method.

Comprehensive Payment Solutions

At Surfboard Payments, we understand the importance of providing a unified payment platform that caters to diverse business needs. Our solution offers several key features:

  • Out-of-the-Box Integration: Our platform supports Apple Pay, Google Pay, Klarna, and domestic wallets such as Swish allowing our partners to offer these payment options without the need for separate onboarding processes.
  • Single Payments Platform: Partners can manage all their payment needs through one platform, simplifying operations and reducing administrative overhead.
  • Next-Day Payouts: We offer next-day payouts, ensuring that businesses can quickly access their funds and maintain healthy cash flow.
  • In-Person Payments: Our solution is not limited to online transactions. We also provide comprehensive in-person payment options, including state-of-the-art payment terminals and SoftPOS solutions that can turn any Android smartphone into a payment terminal.

Embedd our Online solution as a pre-built checkout page on a Surfboard hosted page, or through the SDK implementation in your own product.

Read about our online solution »

Turning Software Vendors into Payment Companies

Our mission is to empower Independent Software Vendors (ISVs) by transforming them into payment companies. By integrating our payment solutions, ISVs can offer a seamless payment experience directly within their software, enhancing their value proposition and strengthening their customer relationships. Our platform supports various verticals, from retail and hospitality to booking and journal systems, ensuring that ISVs can cater to the unique needs of their clients.

Checkout quick and fast with our integrated wallets

The Competitive Advantage

Surfboard Payments stands out in the market with our comprehensive, API-first platform that is both scalable and secure. Our solutions meet the highest industry standards, including PCI-DSS and PCI-PIN certifications, providing peace of mind to our partners and their customers. Additionally, our innovative approach to logistics ensures that hardware is delivered swiftly, with next-day delivery available within the Nordics, further streamlining the deployment process.

Key Statistics and Market Insights

The VISA report highlights several key statistics that underscore the growing importance of digital wallet adoption in the Nordics.

88% Mobile wallet adoption in the Nordics, with Norway reaching almost 95%.
69% of consumers in Sweden use Swish, their domestic solution.
49% Nordic ecommerce is set to grow a further 49% by 2026.
7% The Nordics in the European e-com market, despite population being less than 4%.

These statistics highlight the critical role that digital wallets play in the modern payment landscape, reinforcing the need for businesses to adopt these technologies to stay competitive.


The adoption of digital wallets and the demand for frictionless checkout experiences are reshaping the payment landscape in the Nordics. At Surfboard Payments, we are committed to driving this change by offering cutting-edge solutions that simplify payments for businesses and consumers alike. By partnering with us, ISVs can unlock new revenue streams, enhance their service offerings, and stay ahead in an increasingly competitive market.

🏄 Let's partner up: We can do amazing things together. Get a demo and let us show you what we can offer. Book the meeting 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