Knowledge Hub

February 16, 2026

The End of the Stitched Stack: Payments Infrastructure for the AI Era

Modern software companies are trapped stitching together fragmented payment vendors. Surfboard Payments unifies in-store, online, and agentic commerce into a single, programmable API.

February 10, 2026

Surfboard Payments Closes Oversubscribed €4M Round, Reports Record Q4

Surfboard Payments closes an oversubscribed funding round at €4M — well above the €3M target — as Q4 caps a year of accelerating revenue, expanding partnerships, and a decisive push into agentic commerce infrastructure.

January 22, 2026

Surfboard Payments Adopts Universal Commerce Protocol (UCP), Powering the Agentic Commerce

Stockholm-based paytech integrates open standards to bridge inventory and payments. From in-store terminals, through e-commerce, to AI-driven agentic flows.

December 22, 2025

Zero to Transaction: Build a Live Payment Solution in Under 5 Minutes

Previously, in the world of payments, documentation was something you read, not something you used. You were stuck copy-pasting Merchant IDs, juggling browser tabs, and manually stitching together endpoints just to see if the connection worked.

December 19, 2025

Surfboard Payments Rolls Out Tap to Pay on iPhone to Two More Countries

Surfboard Payments enables businesses in Poland and Hungary to accept contactless payments with just an iPhone and the CheckoutX app

December 18, 2025

Infrastructure for Speed: The New 60-Second Merchant Activation Flow

How Surfboard’s new agentic flow takes merchants from sign-in to selling in seconds.

December 12, 2025

Surfboard Payments Delivers 22% QoQ Recurring Revenue Growth, Defying “Boom and Bust” Tech Trends with Profitable Expansion

Surfboard Payments Q3 2025 report is here: +64% increase in processed volume vs Q1, validating its partner-first strategy as the market shifts from AI hype to fundamental value.

November 13, 2025

Subscription orders

Subscriptions are now part of Carbon. With this release, you can turn any order into a recurring or subscription-capable transaction directly inside the existing createOrder call.

November 5, 2025

Offline Payments

We’ve talked about uptime. Now we’re taking it to the next level.

November 4, 2025

Imagine Surfboard — See Your Brand in Payments

Because your customers should never notice us.

November 4, 2025

Billing, Onboarding, and Better Charges

Build, bill, and onboard without waiting on us.

October 29, 2025

Multi-Cloud for In-Person Payments

We are building for zero downtime. Online transactions have been running on multi-cloud for months. Now we’re bringing it to in-person payments.

October 28, 2025

Surfboard Payments Rolls Out Tap to Pay on iPhone to Four More Countries

Surfboard Payments enables businesses in Ireland, Estonia, Latvia, and Lithuania to accept contactless payments with just an iPhone and CheckoutX app.

October 27, 2025

The New Terminal Lineup

This is a huge one. A completely new generation of Surfboard terminals. New manufacturer, modern OS, faster processors, stronger plastics, stronger batteries, and smarter connectivity.

October 17, 2025

Surfboard Flow: our new payout and revenue engine built for platforms.

Flow gives partners and platforms full control over how money moves. Decide who gets paid, when, and how much. All inside a single API call. One payment in, many payments out. Everything automated.

October 14, 2025

AI Products, Branding and Product Catalogue

This one’s big. Carbon now powers complete product creation. From catalog setup to AI-generated descriptions, images, and even branding. Built so you can use what you need.

October 10, 2025

Carbon Drop 3: Webhooks, Reports and Account APIs

This is all about automation and control. With new webhook events, SFTP Reports, and Account APIs, partners and merchants can now automate reporting, manage roles, and react to real-time activity directly from their terminals and dashboards.

October 7, 2025

Carbon Drop 2: Customers

Payments have always been the one interaction every customer completes. With Carbon Customers, we are turning that interaction into a foundation for recognition, loyalty, and growth.

October 3, 2025

Carbon Drop 1: Faster Payments, New Methods, Smarter Receipts

We're starting October strong. Today, we're releasing Single API for Payments → order and payment in one call, reducing latency from 700ms to 100ms. Alternative Payment Methods → Swish E-com, Swish M-com, and B2B Invoices. Self-hosted Digital Receipts → host, style, and serve receipts under your own control

September 30, 2025

Surfboard Payments Now Offers Tap to Pay on iPhone for Customers in France to Accept Contactless Payments

An easy, secure and private way to accept contactless payments with only an iPhone and the CheckoutX app, no additional hardware needed

September 23, 2025

Surfboard Payments Now Offers Tap to Pay on iPhone for Customers in Norway to Accept Contactless Payments

An easy, secure and private way to accept contactless payments with only an iPhone and the CheckoutX iOS app, no additional hardware needed

September 2, 2025

Surfboard Payments Appoints Johannes Åkermark as Chief Financial Officer

Surfboard Payments announces the appointment of Johannes Åkermark as Chief Financial Officer. With extensive experience across investment banking, private equity, and payments, Johannes will lead the company’s financial strategy as it scales its operations and strengthens partnerships in the Nordics and beyond.

August 29, 2025

CEO Update – Q2 2025

The second quarter of 2025 was another strong step forward for Surfboard. Here is a summary of the most important events and updates. From Christopher Lindfeldt, CEO of Surfboard Payments

August 21, 2025

Scaling Without Scaling: How Surfboard Payments Uses AI to Multiply Developer Output

AI hype is everywhere, but measurable impact is rare. Here, AI has become part of our daily workflow in development and support, helping us achieve more without added complexity. This is how we built an AI-first culture that truly delivers.

August 19, 2025

Surfboard Payments Now Offers Tap to Pay on iPhone for Customers in the UK to Accept Contactless Payments

An easy, secure and private way to accept contactless payments with only an iPhone and the CheckoutX app, no additional hardware needed

July 8, 2025

Pay by Bank Now Live

We have launched Pay by Bank as the newest addition to our payment method stack, giving our partners ant their merchants a powerful tool to improve checkout conversion while offering customers a payment option they trust.

May 27, 2025

Surfboard Payments Now Offers Tap to Pay on iPhone for Customers in Denmark to Accept Contactless Payments

An easy, secure and private way to accept contactless payments with only an iPhone and the CheckoutX app, no additional hardware needed

May 21, 2025

Q1 2025: 125% Revenue Growth Driven by Product and Partner Momentum

Surfboard Payments has reported a remarkable start to 2025, with a 125% increase in revenue and a 124% rise in processed payment volume compared to Q1 2024, reflecting the growing adoption of its innovative payment solutions.

April 9, 2025

Dankort is Here: Accept Denmark’s #1 Card with Zero Extra Work

Dankort is now available by default for our Danish partners and merchants. No extra setup or integration is needed — just start the terminal and start accepting payments through Dankort instantly.

April 2, 2025

Performance Gains, Developer Upgrades & Terminal News – What’s New at Surfboard

At Surfboard Payments, we’re continuously working behind the scenes to ensure your payments experience is faster, smarter, and more flexible. Here's what’s been rolling out recently across our platform and what you can expect next.

March 27, 2025

CheckoutX – Now Integrated into Booksalon PRO for Seamless In-App Payments

An easy, secure and private way to accept contactless payments with only an iPhone and the CheckoutX app, no additional hardware needed

March 25, 2025

Surfboard Payments Now Offers Tap to Pay on iPhone for Customers in Finland to Accept Contactless Payments

An easy, secure and private way to accept contactless payments with only an iPhone and the CheckoutX app, no additional hardware needed

March 24, 2025

✨ AI-Optimized Docs: By Developers - For Developers

Making Developer Documentation More Accessible with AI

March 17, 2025

Vipps Now Available as a Payment Method

Vipps is here! Norwegian merchants using Surfboard Payments can now accept Vipps, Norway’s most popular mobile wallet, for fast, seamless, and secure transactions—both in-store and online. No extra setup or integration is needed—just activate and start accepting payments instantly.

March 3, 2025

Tap to Pay is Booming – Here’s How Surfboard Payments Helps You Stay Ahead

Tap to Phone technology is experiencing explosive growth, with Visa reporting a 200% year-over-year surge. Businesses of all sizes are turning to mobile-first payment solutions to streamline transactions and improve customer experiences. Learn how Surfboard Payments empowers ISVs, POS systems, and enterprise partners with white-label Tap to Pay on iPhone and Android solutions, ensuring seamless, hardware-free payment acceptance.

February 18, 2025

Surfboard Payments Now Offers Tap to Pay on iPhone for Customers in Sweden to Accept Contactless Payments

An easy, secure and private way to accept contactless payments with only an iPhone and the CheckoutX app, no additional hardware needed

January 8, 2025

Tap to Phone: New Hardware Requirements - What You Need to Know

The Tap to Phone landscape is evolving rapidly. New standards are impacting how businesses accept contactless payments. Learn how these changes will affect your business, including potential disruptions and compliance requirements. Discover best practices for navigating the evolving Tap on Phone landscape and ensuring your solutions remain compliant and competitive.

January 8, 2025

Simplifying Your Payment Integration

At Surfboard Payments, integrating secure omni-channel payment solutions is a breeze. Our APIs simplify both in-person and online transactions—even enabling hybrid flows where customers can reserve a payment online and complete it in person. With clear endpoints and practical code examples, streamlining your payment integration has never been simpler.

November 1, 2024

Surfboard Payments Unlocks Apple Pay for All Browsers

At Surfboard Payments, we are committed to enabling our partners to offer innovative and seamless payment solutions to their merchants. Today, we're excited to announce a major Apple Pay update to our Online Checkout solution, which broadens support for Apple Pay on all browsers and devices, bringing new ease and flexibility to online transactions.

October 8, 2024

Surfboard Payments and Ping Payments Simplify Payments for Sports Clubs

Surfboard Payments announces a new partnership with Ping Payments to streamline payment solutions for sports clubs across Sweden. Through this collaboration, thousands of clubs can now access fast and easy payment methods, from card terminals to the CheckoutX app, which transforms smartphones into payment terminals.

October 4, 2024

Card Payments Dominate, but Versatile Payment Solutions Boost Fundraising for Gothia Cup at VP Day in Uppsala

During the VP Day event in September, IF VP’s P09 team offered card payments for the first time using Surfboard Payments’ terminals, SurfTouch and SurfXpress, along with their convenient SoftPOS solution, CheckoutX. This allowed organizers to accept payments both via traditional terminals and self-checkouts, resulting in a significant increase in both sales and flexibility.

October 3, 2024

Google Pay now live - instantly available, no updates needed

Surfboard Payments has launched Google Pay across its platform, available immediately to all partners without any updates or coding needed. Merchants can now offer both Google Pay and Apple Pay to their customers, ensuring a seamless, secure checkout experience. This integration underscores Surfboard Payments’ commitment to delivering valuable features effortlessly to partners while enhancing the user experience.

September 30, 2024

Surfboard Payments Expands Online Platform with Payer Partnership

Surfboard Payments is proud to announce that Payer has successfully migrated all of its customers to Surfboard Payments’ Online Checkout product, further cementing our position as a leading provider of seamless online payment solutions.

September 18, 2024

Elevate Your Offering with the White-Label Surfboard Merchant Portal

CheckoutX revolutionizes payment processing by turning any NFC-enabled Android device into the worlds fastest, and most reliable SoftPOS terminal.

August 30, 2024

Surfboard Payments Secures SEK 30 Million in New Funding to Accelerate Growth and Product Expansion

Surfboard Payments is pleased to announce that it has successfully raised SEK 30 million in new capital in an oversubscribed funding round. The funding round will enable the company to accelerate its growth trajectory, and expand its product offerings.

August 26, 2024

Zero-Touch Configuration: Simplifying Payments from Day One

Discover Surfboard Payments' Zero-Touch Configuration — terminals ready to use out of the box with pre-installed SIM cards and dual connectivity. Empower your business with a seamless, reliable payment solution

August 22, 2024

Discover SurfTouch: The Flexible Payment Solution for Every Business

SurfTouch is not just a payment terminal; it’s a game-changer. Its Android platform allows you to load your own POS applications, transforming the device into a bespoke solution tailored specifically to your business needs.

July 30, 2024

Surfboard Payments Announces Partnership with Cardstream Group to Deliver Innovative Payment Solutions

Surfboard Payments is pleased to announce a dynamic partnership with Cardstream Group, the UK's largest independent provider of white-label payment Fintech.

July 2, 2024

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

Discover how Surfboard Payments’ integrated platform supports Apple Pay, Google Pay, and Klarna, providing a seamless and secure payment solution for ISVs.

July 1, 2024

Discover SurfXpress: The Ultimate Self-Checkout Solution

SurfXpress is a SoftPOS solution that features a contactless payment area in the middle of the screen, allowing consumers to tap their cards directly on the screen for quick and easy payments.

June 27, 2024

Transform Your Payment Experience with CheckoutX

CheckoutX revolutionizes payment processing by turning any NFC-enabled Android device into the worlds fastest, and most reliable SoftPOS terminal.

June 20, 2024

Enabling Buy Now, Pay Later in-person

We’re thrilled to announce the launch of Buy Now, Pay Later (BNPL) capabilities on our platform. Klarna is our very first BNPL partner, and it’s now available for our partners and their merchants.

June 19, 2024

Surfboard Payments Integrates Apple Pay, Enhancing Online Payment Solutions

Surfboard Payments announces the integration of Apple Pay into its online payment solutions, following Apple's recent expansion of Apple Pay’s cross-platform availability to include desktop applications starting this fall.

June 17, 2024

Surfboard Payments Achieves Industry-First PCI DSS 4.0 Certification on Multi-Cloud Setup

Surfboard Payments' processing environment has been certified under the newly updated PCI DSS 4.0 requirements, demonstrating the company's ability to meet the industry's most stringent security standards.

April 9, 2024

Case Study: Kajsas Fisk – A Seamless Blend of Tradition and Tech with Ancon & Surfboard

After an increase in international clientele, the limitations of their existing payment solutions became apparent. Difficulty in accepting various international cards, especially from regions like China, prompted Kajsas Fisk to seek a more robust and versatile payment solution.

March 19, 2024

Unleashing Another Wave in Payments: Design Your Own SurfPad Card Terminal

Discover the future of payment terminals with Surfboard Payments’ revolutionary "Build Your Own SurfPad" feature. Customize your card terminal to align perfectly with your brand identity, offering an unparalleled checkout experience that enhances customer engagement and satisfaction.

February 28, 2024

Surfboard Payments Expands Into Online Payments with New Omni-Channel Solution

In response to the dynamic shift towards omni-channel retailing, Surfboard Payments has developed a solution that simplifies the integration of online payments while maintaining a consistent shopping experience across all customer touchpoints.

January 12, 2024

Navigating the Wave of Change: Surfboard Payments' Role in the API-First Embedded Payments Ecosystem

The financial services landscape is witnessing a transformative shift, particularly in the realm of transaction processing. Embedded payments, where payment functionalities are seamlessly integrated into a range of products and services, are redefining consumer interactions with financial services.

January 3, 2024

Surfboard Payments and Worldline Forge Strategic Partnership to Empower Businesses with Seamless Payment Solutions

Surfboard Payments' state-of-the-art platform of card present payment terminals, terminal management system, onboarding, tokenizations, APMs, receipt host and loyalty will be integrated into Worldline's merchant and partner offerings.

December 28, 2023

Our Year-End Reflection: Celebrating Milestones and Embracing a Future of Innovation

As the year draws to a close, we at Surfboard Payments find ourselves reflecting on what 2023 brought us. The past year, particularly the final quarter, has been a period of explosive growth and significant learning for us. It's been a remarkable year for us, and we owe much of this success to you – our valued merchants and partners.

December 20, 2023

Surfboard Payments and booksalon Join Forces to Shape the Future of Payments in the Beauty Industry

Surfboard Payments and booksalon have partnered to enhance payment solutions for the hair and beauty salons. The partnership has already seen a successful rollout in Finland, with over 1,000 SurfPad terminals deployed across the country.

December 5, 2023

Empowering ISVs with End-to-End Payment Solutions: A Guide to Enhanced Merchant Experiences

In the rapidly evolving world of payments, independent software vendors (ISVs) are emerging as key players, bridging the gap between software solutions and seamless payment processing. By offering integrated payment solutions, ISVs can not only extend their value proposition to merchants but also unlock new revenue streams and enhance customer satisfaction.

December 4, 2023

What are network tokens, and why do you need them?

The rise of online commerce brought forth the need for secure and convenient card payments. As early as the advent of online transactions, the challenge of processing card payments without the physical presence of the cardholder became apparent. This led to the development of tokens, digital identifiers that replace sensitive card data, such as the account number and expiry date.

April 2, 2023

Strengthening Bonds and Fostering Growth: The Exchange Program Between Surfboard Payments' Offices in Stockholm and Chennai

Surfboard Payments is committed to fostering a diverse and inclusive workplace where team members can learn from each other and grow together. Learn more about the exchange program between Surfboard Payments' offices in Stockholm and Chennai, and how it provides team members with opportunities for professional development, personal growth, and cultural exchange.

March 29, 2023

The Global Payments Report 2023: A Comprehensive Overview of the Payments Landscape

The payments industry is constantly evolving, with new technologies and trends emerging at an ever-increasing pace. Staying informed about the latest developments and adapting to changing customer preferences is essential for businesses to remain competitive.

March 20, 2023

Surfboard Payments Announces Successful Over-Subscribed Pre-Series A Round

We are proud to announce that the Pre-Series A funding round was oversubscribed, with strong interest from both existing and new investors. This is a testament to the trust our investors have in the company’s vision and the potential of our groundbreaking payment solutions.

January 10, 2023

Surfboard Payments Appoint Daniel Nordholm to its Board of Directors

Daniel Nordholm, former CEO at Bambora and SVP SMB business line & Head of Merchant Services at Worldline, joins the Surfboard Board of Directors.

January 7, 2023

5 Benefits of Using Cloud-Based In-Store Payment Terminals

In today's digital age, more and more consumers expect to be able to make purchases using their preferred payment methods, whether that's cash, credit, or mobile payments.

January 3, 2023

Surfboard Payments Appoint Tomas Ekroth to its Board of Directors

Tomas Ekroth, former CFO at Espresso House Group, VP of Financial Planning & Group Business at SAS and for six years at McKinsey, joins the Surfboard Board of Directors.

August 9, 2022

What is PCI DSS Compliance and Why is it Important?

Upon the announcement that Surfboard Payments has earned PCI DSS compliance, many might wonder what "being compliant" means and why it is important. Our chief security officer, Neal Hindocha, breaks down everything you need to know about being PCI DSS compliant.

July 5, 2022

Surfboard Payments' Tap to Pay App Makes Splash at Lollapalooza

Surfboard Payments accompanied its merchant, FrostHead AB, to the 2022 Lollapalooza event in Stockholm. The start-up proved the full scale of its payment terminal app's mobility, and how increasing terminal fleets can expand upon potential sales in a festival-like setting.

June 27, 2022

Surfboard Payments Achieves PCI DSS Compliance

Surfboard Payments announces that the company has earned Payment Card Industry Data Security Standard compliance for its card processing environment.

June 10, 2022

A Swedish Payment Institution License Explained

While our announcement of obtaining a Swedish Payment Institution License is definitely exciting, there may be a few of you out there who have no idea what a payment license is or why it's important. We've asked our own expert and COO of Surfboard Payments, Thomas Nilsson, to give you the full run-down on everything for those of you unfamiliar with payment laws and regulations.

May 31, 2022

Surfboard Payments Obtains Swedish Payment Institution License

Surfboard Payments AB, a Stockholm-based company specializing in developing software-based payment solutions, announces the acceptance of a Payment Institution (PI) license courtesy of the Swedish Financial Supervisory Authority (FSA). The news comes at the perfect time as the startup only just recently launched a limited edition of their highly anticipated payment terminal app, Surfpay, to the public.

May 7, 2022

Surfboard Payments Premieres Products at Breakit’s Future of Transactions Event

Surfboard Payments AB, a Swedish startup developing software-based payment solutions, attended the Future of Transactions event, hosted by Breakit on Wednesday, May 4th at Sergel Hub in Stockholm.

March 22, 2022

The PCI Security Standards Council Explained

With our exciting announcement of becoming a participating organisation in the PCI Security Standards Council comes along with many questions. For those of you who are not as tech-savvy, this guide brought to you by our Chief Security Officer Neal Hindocha will explain what PCI is, and what are the benefits of being a participating organisation on their council!

February 18, 2022

Surfboard Payments Introduces Software Based Payment App in Exclusive Pre-Launch Event

Surfboard Payments makes history during pre-launch event as the first ever live CPoC transaction in Sweden

February 17, 2022

Surfboard Payments to partner with PCI Security Standards Council to help secure payment data worldwide

February 8, 2022

Apple Officially Announces Tap to Pay Feature for iPhone

After so much anticipation Apple Inc. finally announces the release of their tap to phone feature for iOS, giving small business owners across the U.S. the ability to accept contactless payments from the security of their mobile device.

January 27, 2022

Apple set to enable their devices to become payment terminals

Apple Inc. is set to stake their claim in the check-out experience game sometime in the near future. The company plans to release a new service which will allow business owners to use their iOS device as a payment terminal, without the current need for extra hardware.

December 14, 2021

Welcome Neal Hindocha!

We would like to introduce our newest hire, Neal Hindocha a seasoned vet in security & compliance who will be taking over as Chief Security Officer for the company. Welcome Neal!

November 24, 2021

Building the Future! Surfboard Payments CEO Discusses Collaboration with Google and Teases New Surfpay App

The Surfpay app acts as an Android based payment terminal for contactless transactions. Designed to help out micro-merchants as a secure solution to the clunky payment terminals that they are accustomed to. Surfpay has low transaction fees, and no additional hardware for an easy, efficient way to handle payments.

September 15, 2021

Surfboard Payments breaks new ground with card-present transaction with PIN entry on mobile phone screen – setting the stage for micro-merchants

Swedish software company Surfboard Payments has completed a fully PCI certified transaction with the new tap on phone (CPoC) technology. With the app Surfpay, merchants can now use their Android device as a payment terminal for contactless card payments. Behind the new solution are Surfboard Payments, TietoEVRY, and MYPINPAD, with support from Mastercard.

June 28, 2021

Tap to phone - what does it mean?

Tap to phone is a no additional hardware solution to enable your smartphone or tablet to accept contactless card present payments and become a Point of Sale terminal.

April 7, 2021

Tap to phone: The biggest payment breakthrough since the plastic card?

The merchants' world never had it so good. And yet, the payment methods and infrastructure has barely changed a bit in the last 20 years for the in-store market

March 23, 2021

Why you should offer multiple payment methods in-store

Do you remember the time when cash was king and card was new?