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Dintero

“Can a Nordic-owned direct acquirer build the region's default embedded payments platform by owning the full stack from checkout to acquiring?”

Founded2017
HQOslo, Norway
FoundersDaro Navaratnam
Latest roundNOK 30M (2022)
IndustryInfrastructure / Payments
The story

Founded 2017 in Oslo as a Nordic-focused payments platform. Positioned as the only Norwegian-owned direct Visa and Mastercard acquirer, Dintero owns its entire payments stack and operates under a Payment Institution licence from Finanstilsynet. In 2021 it launched Split Payout, a marketplace/platform payout product, expanding beyond simple checkout into embedded platform payments, KYC/AML (Quickr), loyalty, gift cards and in-person payments.

Last 12 months
—
Product timeline
2017
Company founded in Oslo, Norway· founding
2021
Launched Split Payment for marketplaces and platforms· product
2022
Raised NOK 30M led by Bring Ventures with Schibsted Ventures participating· funding
Regulated entities
1
regulatory licence held by Dintero
Licence types, jurisdictions and registered entities are in the Embedded Finance Index report.
The stack
6 layers disclosed in Dintero’s embedded-finance stack
Payments / PSP
Dintero (self-operated)Swedbank PayVipps MobilePayKlarnaWalleyBillieSwishcheckoutglobal payments
Card issuing
in the full report
Card network
in the full report
Lending
in the full report
KYC
in the full report
Accounting
in the full report
Accounting gap: minor
19 more providers across 5 layers, with confidence-scored evidence and source URLs, are in the Embedded Finance Index report.