“Can a Nordic BNPL provider build a durable, multi-market consumer credit franchise by embedding installment financing and a co-branded card directly at merchant checkout?”
Founded in 2009 in Denmark as a BNPL / point-of-sale financing platform for online and in-store merchants. Expanded from Denmark into Norway, Spain, and the US, serving merchants with try-before-you-buy and installment payment options. Launched ViaBill Plus, a revolving credit product for Danish consumers, and a co-branded ViaBill Mastercard, broadening from pure checkout BNPL into longer-term consumer credit. Debt financing from Fasanara Capital supports the on-balance-sheet loan book model.
ViaBill discloses Edenred Payment Solutions as its banking provider, according to the Embedded Finance Index 2026.
ViaBill does not disclose a bank charter of its own; its banking services are provided through Edenred Payment Solutions.
ViaBill processes payments through ViaBill (self-operated).
The Embedded Finance Index 2026 maps 3 layers in ViaBill's stack: Payments / PSP (ViaBill (self-operated)); Banking / BaaS (Edenred Payment Solutions); Lending (ViaBill BNPL, ViaBill Plus (installment credit line) and ViaBill 30 Days).
ViaBill is founded in 2009 and headquartered in Copenhagen, Denmark.
ViaBill has raised $132M–$178M in total (latest round: Debt Financing, 2022).
Get a read on where your own stack stands against ViaBill 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.