“Can a Nordic-owned direct acquirer build the region's default embedded payments platform by owning the full stack from checkout to acquiring?”
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.
Dintero processes payments through Dintero (self-operated), Swedbank Pay, Vipps MobilePay, Klarna, Walley, Billie and Swish.
Dintero's cards are issued through Dintero (self-operated) on the Visa and Mastercard networks.
Dintero uses Quickr by Dintero (in-house) for KYC and identity verification.
Dintero's lending and capital products are provided by Klarna, Walley and Billie.
Dintero integrates with Tripletex, Visma, Fortnox, 24SevenOffice, DNB Regnskap, SpareBank 1, PowerOffice, Xledger and 4 others.
The Embedded Finance Index 2026 maps 6 layers in Dintero's stack: Payments / PSP (Dintero (self-operated), Swedbank Pay, Vipps MobilePay, Klarna and 3 others); Card issuing (Dintero (self-operated)); Card network (Visa and Mastercard); Lending (Klarna, Walley and Billie); KYC (Quickr by Dintero (in-house)); Accounting (Tripletex, Visma, Fortnox, 24SevenOffice and 8 others).
Dintero was founded by Daro Navaratnam and is founded in 2017, headquartered in Oslo, Norway.
Get a read on where your own stack stands against Dintero 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.