Merchant Services

We provide our merchant customers with payment acceptance solutions across channels (in-store, online and mobile) and with the broadest range of payment methods in the Nordic region and mainland Europe. Our offerings for merchants are brought to market by Nets Merchant Services in the Nordic region and by Concardis Payment Group in mainland Europe.

Nets Merchant Services and Concardis Payment Group offer best-in-class payment solutions tailored to meet our customers’ needs. By leveraging the combined strengths, the joint Group ensure faster time to market with state-of-the-art and customer-friendly solutions.

The complementary product portfolios empower merchants to benefit from the digitisation of payments with, for example, state-of-the-art e-commerce gateways, merchant portals and invoicing solutions for e-commerce merchants.

Nets Merchant Services and Concardis Payment Group combine market-leading positions as payment service champions in the Nordics and mainland Europe. Both offer our customers a broad portfolio of payment services including offline, online, mobile, recurring payments and real-time services. 


​Creating value with leading propositions

With the broad range of offerings, together Nets Merchant Services and Concardis Payment Group stand out as one flexible service provider with an immense scale in terms of transactions and data for all needs within the payment sphere

Enable smart POS
Driving customer satisfaction and growth in payments

Offer flexible mobile solutions
Increasing penetration (e-wallet and P2P)

Converge and utilise insights
Using data analytics and vertical know-how as key factors to success

​​Bring innovative e-com solutions
Omni-channel / next generation e-commerce proposition 

Build on scalable technology
Modular and scalable IT platforms and strong capabilities

Deliver unrivalled security and stability
Infrastructure assets with best-in-class security knowledge

About Nets Merchant Services

Nets Merchant Services provides payment solutions across the Nordics and Baltics.

As a business unit within Nets, Merchant Services provides in-store, online, and mobile payment, as well as solutions, services, and a wide range of international payment means. We can also provide merchants with acquiring of Visa, Mastercard, American Express, JCB and UnionPay, in addition to local payment schemes.

Merchant Services is present across all Nordic and Baltic countries. More than 300,000 merchants chose to be our customers, from small and medium-sized enterprises (SMEs) to large international retail chains. We serve our merchants through a broad set of distribution channels, including indirect partnership relationships such as bank referrals, value-added resellers, and web developers, as well as through our direct sales force.


Nets Merchants Services

About Concardis

Concardis Payment Group is a leading provider of digital payment solutions with 1,000 staff members and customers in Germany, Austria, Switzerland and South-East Europe. Concardis empower merchants and service providers to benefit from payment’s and business digitization. Whether it is seamless payments at stationary points of sale, customisable solutions for mobile and e-commerce or value-adding services: Our innovative products and services minimize complexity and make payments easy to improve customer experience.


Concardis GmbH was founded in 2003 to connect merchants and service providers to the credit card network. In the following years, the company developed step by step into a full-service payment provider. Today, it offers everything from a single source – from card acceptance and payment processing to payment devices and payment solutions for online business to attractive additional services. Recently, the company's growth has accelerated further:

In April 2018, Concardis GmbH, Cardtech GmbH, PCS GmbH, Simplepay GmbH, Ratepay GmbH and Mercury Processing Services International Ltd. were merged to form the Concardis Payment Group.

With the merger of Nets and Concardis Payment Group the common goal of the newly formed group is to continue to grow in Europe, to expand and improve the service offering and to bring product innovations to the market even faster. This will further support merchants in meeting consumers' needs for digitized, easy-to-use payment solutions.


Concardis Payment Group

The combined Nets Merchant Services and Concardis Payment Group business builds on an unmatched history of driving reliable digital eco-systems and payment solutions. Combining product knowledge and technological capabilities will allow the joint Group to go to market even quicker with state-of-the-art and customer-friendly products, underlining the shared ambition to be at the forefront of innovation. This way, the joint Group can unlock new and better opportunities for merchants, enterprises and banks, to help them make tomorrow a little easier for our customers.

The Group’s ambition is to turn the complex reality of the payments landscape into easy, intuitive and customer-oriented solutions. This will ensure it stands out as the payment industry’s trusted hub by delivering unmatched connectivity, firmly secured by unrivalled security and stability.


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