“Can a Danish BNPL provider become the dominant consumer installment and card payment layer for Scandinavian e-commerce?”
Anyday launched in 2020 as a straightforward BNPL solution for Danish consumers, offering interest-free 4-installment payment splitting at checkout for online retailers. The company differentiated by placing the cost entirely on merchants rather than consumers. It subsequently expanded its product range to include longer-term flexible installments (up to 24 months) and introduced a co-branded Mastercard issued by Transact Payments Malta Limited, moving toward a broader consumer finance stack. The business holds a Danish consumer-lending license under Anyday Finance A/S and has adopted ComplyAdvantage for AML/customer screening.
Anyday's cards are issued through Transact Payments Malta Limited.
Anyday uses Complyadvantage for fraud prevention.
The Embedded Finance Index 2026 maps 3 layers in Anyday's stack: Card issuing (Transact Payments Malta Limited); Lending (BNPL – 4 installments, no interest/fees (merchant-funded) and Flexible installments – up to 24 months); Fraud (Complyadvantage).
Anyday is founded in 2020 and headquartered in Aarhus, Denmark.
Anyday has raised $49.3M in total (latest round: Debt, ~2023).
Get a read on where your own stack stands against Anyday and the rest of its category — what they built versus bought, which providers they use, and where the gaps in your own strategy and competitive set actually are.