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8 out of 10 card payments now contactless in the Nordics

Press release

​Denmark leads the pack with a staggering 90 per cent of card payments now contactless. Norway is close behind at 87 per cent. Sweden and Finland have now both surpassed 70 per cent.

​Nets, part of leading European PayTech Nexi Group, has published new data on card payments and in-app card mobile payments in 2021. In the Nordics – a region renowned for being a digital payments pioneer – the share of contactless card payments increased from 74 per cent in 2020 to 80 per cent in 2021. 

Denmark is the leader in the region, with a staggering 90 per cent of all card payments being contactless. Norway, which was much further behind just a couple of years ago, is closing the gap with 87 per cent. Sweden, like Norway, introduced contactless at a later stage, but has achieved the largest growth last year and is now at 70 per cent. Finland remains just ahead of Sweden at 71 per cent.


Robert Hoffmann, Head of Merchant Services, Nets, commented: "The Nordic region is the most digitised in the world and certainly among the leaders in digital payments. Nordic consumers have adopted contactless as the standard way to use their payment card at physical sales locations and the pandemic has been a strong driver for these 'tap and go' payments. This is positive for merchants, who get a faster payment flow, as well as for consumers who can pay more conveniently and without physical contact with the payment terminal."


Data from the Nets Nordic Payment Report in 2021 also showed that seven out of ten consumers value contactless payments highly or very highly, and about 90 per cent are regular users of contactless payments.


The contactless limit set by EU law is EUR 50, which is reflected in the local limits in all four Nordic countries. Contactless payments via mobile devices, such as Apple Pay and Samsung Pay, work on all payment terminals with the contactless NFC functionality, but have no transaction limit as the purchase is validated on the phone.


Growth of contactless payments in the Nordics

About Nets

Nets is part of Nexi Group – the European PayTech with scale, capabilities, and geographic reach to drive the transition to a cashless Europe. We are committed to supporting people and businesses of all sizes, transforming the way people pay and businesses accept payments. By simplifying payments and providing the most innovative and reliable solutions we enable businesses and financial institutions to better serve their customers, build closer relationships, and to grow together. For more information please visit


Media contact – Nets
Søren Winge, Head of Media Relations in Nets