Stuff to think about when selecting a payment gateway for your e-commerce store. How can I collect online payments? What do I need to get started? Is there a difference between selling only to customers in my own country or to multiple countries? In this presentation we’re taking a look at the differences between some of the most popular payment service providers in Scandinavia. You will also get some practical advice regarding the selection of a payment gateway depending on the setup of your e-commerce store and the type of products you’re selling.

2. There are no easy
and obvious answer

3. PAYMENT SERVICE
PROVIDERS
OFFER DIFFERENT PAYMENT
METHODS

4. Payment Service
Providers
Distributors Collectors
• Requires an agreement with both the
PSP and your acquiring bank.
• Do not collect the funds, they transfer
them instantly to your bank account.
• Only requires an agreement with the
PSP.
• Transfer the funds to your bank account
in batches, manually or on a schedule.
Klarna, PayPal, Stripe, PaymillDIBS, Nets, PayEx, SveaWebPay

5. Card payments
– DIBS
– PayEx
– Nets
– Stripe
– Paymill
Alternative payments
– Klarna
– PayEx
– SveaWebPay
– iDeal
– Trustly
Digital wallets
– PayPal
– Payson
– Skrill
Payment Methods

6. important
factors
when selecting a payment gateway

7. 0
1600
3200
4800
6400
8000
PayPal DIBS Klarna Checkout
3 549
7 490
6 650
3 549
3 080
3 725
Price
0 kr/month
3,4% + 3,25 kr/TXN
690 kr/m
3 kr + 1,9 kr + 1,9%/TXN
599 kr/m
2,95%/TXN
100 orders/month á 1 000 kr
1 000 orders/month á 100 kr

8. Ease of use for the customer

9. Customer specific requirements
”Serenity now” Frank Costanza

10. Selling to multiple countries

11. Aelia Currency Switcher – aelia.co
Multi-currency
WPML – wpml.org
Multi-currency & multilingual

12. Monthly
fee
Transaction
fee
PSP
type
Card
payments
Invoice
payments
Direct Bank
payments
Recurring
billing
2Checkout
DIBS
Klarna
Nets
SveaWebPay
PayEx
PayPal
Stripe
Paymill
Distributor
Distributor
Distributor
Distributor
Collector
Collector
Collector
Collector
Collector
549 kr 2 kr +
innløseravtale
3 kr +
innløseravtale
2,95%599 kr
2,9% + 2,5 kr
3,4% + 3,25 kr
2,95%+2,65kr
2,4%+2,47kr
0 kr
0 kr
0 kr
0 kr
690 kr
545 kr
499 kr 1,85 kr +
innløseravtale
2,9 kr +
innløseravtale
A few payment alternatives for Scandinavian merchants

13. • Get to know your customers.
• Compare prices based on the purchase pattern.
• Multiple currencies or not?
Recap

14. Thanks!
Twitter
@NiklasHogefjord
Company
krokedil.com
Slides
niklashogefjord.com
Questions?