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for an easier tomorrow. ​Powered by Nets.​



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


Handling billions of transactions annually, Nets is among the top payment processors in Europe. We 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 us a trusted partner to more than 700,000 merchant outlets, including 140,000 online merchant outlets, more than 260,000 enterprises and over 250 banks across Europe.

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









Payment solutions shaped by the North European way of living

A mindset built on digitisation, trust and innovation

The Nordics is a region 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 the locals 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 the 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. 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 across Europe.

So, say hello to an easier tomorrow.

Nets is at the centre of the payment

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


​Billions of transactions processed every year

Nets provides processing services to more than 250 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   
700,000+ merchant outlets

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 merchant outlets


Nets helps merchants do better business

Nets provides services to over 700,000 merchant outlets, including over 140,000 online merchant outlets, throughout the Nordic region and mainland Europe – from large corporations to smaller enterprises and micro-merchants.


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-functionality. 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 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 RealTime24/7 you can select the scheme, overlay services and add your desired configurations, such as user groups and validation routines. You can also choose from a wide range of optional modules and configure them to meet your specific needs. Finally, you can complete your solution with the addition of value-added services such as mobile applications, addressing services or PSD2-related services to maximise the benefits of this instant payment offering. In 2019, RealTime24/7 also came into operation in Italy and Slovenia, while a pilot in Hungary will come into operation in 2020.


Trusted by over


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

Today, Nets is the preferred processing partner for more than 250 banks and covers a wide range of issuers across Europe. Nets’ security and anti-fraud offerings are second to none as 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 250 banks, we initiate transactions from approximately 40 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.

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.


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