PAYMENT SOLUTIONS

for an easier tomorrow.

An easier tomorrow. Powered by Nets.

​​We see easier products and solutions as the foundation for growth and progress – both in commerce and society.

 

The Nordics have led the way in the development of digital payments and related services and is the most digitised region in Europe. Nets has played a key role in this development by shaping a new digital reality based on innovation, stability and security.

Handling billions of transactions annually, we are among the top payment processors in Europe and keep a tight focus on making it even easier and more intuitive for our customers to handle digital payments and related services. This has made Nets a trusted partner to more than 300,000 merchants, including 30,000 online merchants, more than 240,000 enterprises and over 240 banks across the Nordic and Baltic regions.

It's our ambition to turn a complex reality into easy, intuitive and customer-oriented solutions and ensure we remain a reliable hub of the payments industry building on unmatched connectivity.

 

 

 

 

 

 

 

 

Payment solutions shaped by the Nordic way of living

A regional mindset built on digitisation, trust and innovation

The Nordic region is renowned for keeping life as simple as possible. It’s also a place where people trust each other and their public institutions. Perhaps it is not surprising then that Nordic countries have embraced digitisation like no others. Open to new ideas and innovation that can enhance daily life and have a positive effect on the world in general, people in the Nordic region don’t mind challenging the status quo. In fact, it’s part of the culture to do just that.

 

 

 

 

A way of living that made the Nordics the most digitised region

 

Leading the Digital Economy and Society Index

Denmark, Sweden, Finland and Norway ranked first, second,third and fourth respectively in the use of digital technologies by both enterprises and citizens.

A very high percentage of people in the Nordic region use the internet and have an advanced level of digital skills. Digital technology has been incorporated into Nordic society in all sectors, including retail, business, industry, commerce and government.

 

Where people adapt to new digital technologies – quickly and easily

 

The Nordic payment case:

The region with the fastest contactless payment adaption rate

The Nordic region has long been open to change and innovation that makes everyday life simpler and more convenient. This readiness to try something new increases the speed of adoption of new technologies. In Denmark alone, 44% of all payments in physical shops were contactless less than three years after the first cards featuring the technology were issued.1 A quick wave of your payment card ensures shorter queues and a smoother customer experience.
* Source: Danmarks Nationalbank, 2018

Payment solutions for an easier tomorrow

 

Trust, digitisation and innovation. They’re some of the key words that form the foundation of everyday life in one of the world’s most technologically advanced areas – the Nordic region – home of design, functionality and innovation. It’s also a place where new digital products and solutions designed to simplify everyday life are quickly embraced and integrated. Fundamental to this modern reality are fast payments and a variety of public digital services.

 

Nets has played an important role in this development, shaping a digital mindset through innovative, secure and stable solutions. By constantly enhancing current offerings and developing new solutions, Nets is helping to make life a little bit easier for every citizen, bank and business.

So, say hello to easier tomorrow.

Nets is at the centre of the payment
eco-system

Proven solutions across the full payment value chain. From receiving the payment, clearing and processing the transaction, to data, loyalty and security

Processing

​Billions of transactions processed every year

Nets provides processing services to more than 240 banks – making it one of Europe’s largest payment processors. Nets also offers end-to-end Fraud & Dispute Services enabling banks to focus on their core business and enhance their customers’ trust.

Instant payments

​Transactions cleared in
just 0.02 seconds

Real-time clearing and settlement enables instant payments across bank accounts. This means available funds are transferred immediately 24/7/365, with instant status information sent to both payer and retailer.

Merchant solutions

​Handling transactions for
300,000+ merchants

Nets offers acquiring agreements that allow merchants to accept payment in their physical or online store. Merchants can also choose from a wide range of solutions to increase customer loyalty and customer satisfaction.

Powering more than ,000 merchants

 

Nets helps merchants do better business

Nets provides services to over 300,000 merchants throughout the Nordic region – from large corporations to smaller enterprises and micro-merchants. All expect transparency, reliable digitised payment solutions and value-adding services. Despite differences in size, each can rely on Nets as a one-stop shop for all their needs. Nets services for merchants include Storebox, the digital receipt and loyalty solution, an option to tailor offerings to your customers, our MyPayment App that gives you relevant data and insights about your customers, and Dynamic Currency Conversion (DCC) that lets merchants’ customers pay in their own currency when travelling abroad.

In 2017, Nets’ Merchant Services acquired approximately two billion card transactions from international branded cards with a transaction value of around DKK 528 billion. 

 

Increase your online conversions

 

Nets’ goal for e-commerce and m-commerce merchants is to drive higher conversion and faster checkout solutions that enable them to enhance the customer experience. The range of services within loyalty and data includes Easy – a superior checkout experience designed to ensure webshop owners enjoy a better start to their business and the highly successful Remember me. This online service allows consumers to save their credit card information in over 25,000 stores to make checkout even faster on return. In the Nordic region, two million cards are currently registered. Research shows that 79% of people prefer not having to enter their card data when shopping online and 34% would shop more if their data could be saved.
 
 

Instant payments processed in 0.02 seconds

 

RealTime24/7 is one of the market’s fastest implemented solutions

RealTime24/7 is Nets’ instant payment solution, introduced in Denmark in 2014. Both flexible and modular, RealTime24/7 handles instant messaging and complies with the uncompromising requirements of a mission-critical system. With Real- Time24/ 7 you can choose the scheme, overlay services and add your desired configurations, such as user groups and validation routines. You can also select from a wide range of optional modules and can configure them to meet your specific needs. Finally, you can complete your solution with the addition of value-added services like mobile applications, addressing services or PSD2-related services to maximise the benefits of this instant payment offering. As of 2018, RealTime24/7 is now also in operation in Italy, with implementations under way in Slovenia and Hungary.
 
 

 

Trusted by over
banks

 

Nets offers state-of-the-art anti-fraud solutions

Today, Nets is the preferred processing partner for more than 240 banks and covers a wide range of issuers across the Nordic and Baltic regions, as well as Luxembourg, UK and Ireland.

Nets’ security and anti-fraud offerings are second to none and they are preferred by banks throughout the Nordic region. They help verify transaction details, ensure funds are available in the cardholder’s account and perform anti-fraud measures before authorisation – and all this is done in less than a second.

Customer management services at Nets include geo-blocking and dynamic limit management. And with Nets’ anti-fraud services, you can always be sure you are compliant with domestic and EU regulations, as well as card scheme rules and regulations. Nets uses the very latest technology, such as AI, to monitor, prevent and capture payment fraud.

Billions of transactions

One of Europe’s biggest payment processors

Nets is now one of Europe’s largest processors. Partnering with more than 240 banks, Nets initiates transactions from approximately 35 million cards annually. This proven expertise and the scale of resources means customers have access to a range of opportunities that ensure safety and stability in their solutions at all times – all at competitive prices.
As the payment industry operates on trust, Nets’ licence to operate means ensuring the highest levels of availability and security in all services as they are used by a great number of banks, merchants, corporations and consumers.
It is imperative that the payment infrastructure is stable at all times, even under the most extreme circumstances. In 2017, Nets invested in further improving security and stability. Amongst others initiatives, this included implementing two new data centres in Denmark and a new Tier 3 compliant data centre in Norway. Nets also carried out a complete network update using state-of-the-art technology.

We’re on a path of constant innovation

 

We work relentlessly to simplify and improve our digital platforms – bringing forward new possibilities within the digital payments eco-system, while always delivering unrivalled security and stability.

It’s our ambition to turn a complex reality into easy, intuitive and customer-oriented solutions to ensure we stand out as the trusted hub of the payments industry and deliver unmatched connectivity. Powering a tomorrow that’s easier than today. This is what drives us.

An easier Tomorrow. Powered by Nets.