The Future of
Pay Later is currently under construction.*

* New site launching soon
We believe safe global trade evolves the world

We believe safe global trade evolves the world

In our connected world, where no-one is more than six handshakes away from any one person, trends and needs have become truly global. Barriers are broken down and we find ourselves in One gigantic marketplace. Nonetheless, borderless trade still faces challenges. We have decided to find a solution that enables a safe marketplace across the entire world, where buyers and sellers can trust their transactions and prosper. That is our role.

Create trust between buyers and sellers

Create trust between buyers and sellers

Far too many transactions are associated with uncertainty. Will I receive the product? Will I get paid? Is the exchange of money and goods safe? What happens if it’s lost in transit? Who do I contact? We will eradicate and eliminate any uncertainty, and instead we will create a safe-space that allows all parties peace of mind. Ultimately making trust a non-issue between buyers and sellers.

Be the plug’n play solution that enable local Pay Later in global trade

Be the plug’n play solution that enable local Pay Later in global trade

Rome wasn’t built in a day. And most certainly not by one person. By connecting dots, people and competencies we will position ourselves on smarter and shorter paths to enable scale in connecting global plattforms with locally trusted payment methods.


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Paynova offers one of the most complete credit platforms for consumer credit through invoice and installment. Paynova is one of Finansinspektionen's approved payment institutions and listed on NGM Main Regulated since February 2004.

Please contact us if you would like to discuss digital ‘Pay Later’ solutions.


Söder Mälarstrand 65
118 25 Stockholm


Box 4169
102 64 Stockholm

Call us

+46 8 517 100 00

Customer support

Merchant support

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Higher conversion rates, higher customer satisfaction, higher order value


Fast checkout experience Only top of mind information needed to complete purchase.
Flexible payment Installments/part payments help facilitate higher tickets.
Simple payment Super simple payment with one click direct debit via Trustly.
Safe The customer can see the goods before paying (buyer insurance).
Mobile 1st Perfect for mobile device users.

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

Tommy Andersson, Payments @ SJ

If you have inquiries about the Paynova Pay Later solution please contact If you are an existing merchant in need of support please contact


If you have received an invoice with Paynova, thank you for using our Pay Later service. We help you buy stuff online and then pay later without risk. You can get the goods and try it on and then pay, in a pace that you desire. We hope to give you an excellent purchase experience.

If you would like to know more about your invoice, split the payment, postpone the due date or pay your invoice please see contact info in your invoice. It is super simple, mobile friendly, to pay without having to go to your bank. The only thing you need is your E-id (i.e Mobile Bank ID). If you still have questions regarding your invoice please call or email our support with the details that you can find on your statement.


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