A Pay Later solution
that increases sales
by making trust and
a non-issue.

In all operating countries Paynova’s solution has led to:

– Higher conversion rates
– Higher customer satisfaction
– Higher order value

Paynova will be available in 15 markets by 2023

”Innovative and customer-oriented, with the end-consumer in focus“

– Tommy Andersson, Payments SJ

Why Pay Later?

  • Fast checkout experience

    Only top of mind information needed to complete purchase.

  • Flexible payment

    Installments / part payments help facilitate higher tickets.

  • Safe

    The customer can see the goods before paying (buyer insurance)

  • Mobile first

    Pay Later is perfect for mobile devices.

  • Self service

    Consumers can handle all their payments in one spot.

Why Paynova?

– Quality  – 100% focus in Pay later
– Safe – Your data is your data
– Scalable – 15 Markets by the end of 2023

It’s safe, convenient, risk free and requires no administration.

Financial Risk Management.

Paynova guarantees a 100% payout for you as a merchant. In other words, 0% customer credit default risk.

Data Security management

AI-based risk management and deep tech to identify fraud which allows real-time risk analysis. E-signing on desktop/mobile (Bank ID) in Sweden.


We cover the entire payment value chain. From integration to the dunning process.

Customer Support

Our in-house customer-managing experts handle all Pay Later-related errands, resulting in an increase of customer satisfaction, without any efforts from you.

What you can offer to your customers

* Nordic markets only

  • Invoice

    Generally due
    in 14 days

  • Installments

    3, 6, 12, 24 and 36 months
    part Payment

  • Revolving account

    We offer a digital credit card collecting
    all purchases to one invoice.

Talk to us


A selection of the people
we love to work with.