Ledyer
Ledyer AB is a Stockholm-based B2B payments platform serving Nordic merchants with checkout, invoicing, AI-driven credit assessment, and subscription billing. Operating as a Finansinspektionen-registered payment institution, it serves thousands of businesses across Sweden, Norway, Denmark, and Finland.
- Company typePrivate
- Founded2021
- HeadquartersStockholm, Sweden
- Headcount1–10
- GTM typeB2B
- OfferingSoftware
What Ledyer does
Ledyer AB is a Stockholm-based B2B payments platform founded in 2021 and operating as a registered payment institution supervised by Finansinspektionen, the Swedish Financial Supervisory Authority. The company serves Nordic merchants — primarily B2B companies, public-sector buyers, and associations — with a unified checkout, invoicing, credit, and collections experience designed specifically for business purchasing rather than adapted from consumer payments. Ledyer absorbs the credit and collections burden on behalf of the merchant, paying the merchant immediately while settling the buyer on configurable invoice terms.
The product is built as a modular suite delivered through both embedded UI components and a headless REST API. Core products include Ledyer Checkout (a ready-made B2B checkout that auto-fetches company data via organization number), Ledyer Payments (invoice, advance invoice, and direct payment with merchant-paid risk absorption), Ledyer Headless (API-driven custom checkout), Ledyer Access (OAuth2/OpenID Connect authentication with BankID and Nordic identity providers), Ledyer Prenumerationer/Subscriptions, Ledyer Point of Sales for physical retail, and an Order Management module. The platform supports Nordic-specific e-invoice formats (PEPPOL, Svefaktura, Kivra), provides real-time AI-assisted credit assessment, and integrates with major commerce backends including Shopify (as an official payment partner — the first dedicated B2B solution in the Nordics), WooCommerce, Magento, Norce, Litium, Brink, Nyehandel, and Wetail, alongside accounting integration with Fortnox.
Commercially, Ledyer pursues a hybrid GTM combining direct enterprise sales, API-first integration, and channel distribution through nine listed solution partners and platform-native plugins. Revenue is generated primarily via transaction-based take rates on processed B2B payments and recurring fees on the Subscriptions product, with quote-based enterprise pricing and no public rate card. The company reports serving thousands of Nordic businesses and operates across Sweden, Norway, Denmark, and Finland, with leadership anchored by co-founder/CEO Linus Sandberg and a recently appointed CCO, Johan Fredholm, hired from Worldline, Klarna, and Qliro in February 2026.
Ledyer firmographics
Firmographics- Name
- Ledyer
- Legal name
- Ledyer AB
- Website
- https://ledyer.com
- Company type
- Private
- Founded year
- 2021
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- Ledyer AB is a Stockholm-based B2B payments platform serving Nordic merchants with checkout, invoicing, AI-driven credit assessment, and subscription billing. Operating as a Finansinspektionen-registered payment institution, it serves thousands of businesses across Sweden, Norway, Denmark, and Finland.
- Ownership category
- akta.pro rank
Ledyer industry classification
Industry- Product category
- B2B Payment Processing
- NAICS
- Sales Financing (52222), Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232)
- SIC
- Finance Services (6199)
- akta.pro primary industry
- B2B / Invoice-Based BNPL (Trade Credit at Checkout) (FSAGAIAC)
- akta.pro secondary industries
- Merchant-of-Record (MoR) & Payment Facilitation (PayFac) Infrastructure (FSAGABAE), A2A Collections & Direct Account Funding (FSAMAFAH)
Keywords
Where Ledyer is headquartered
LocationHeadquarters
- HQ city
- Stockholm
- HQ country
- Sweden
- HQ region
- Europe
Offices1 record
Markets served
Ledyer business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Marketing or Sales, Operations, Infrastructure
Revenue model
- B2B Payment Processing: Transaction-based revenue from processing B2B payments including invoice, advance invoice, and direct payment options. Merchants receive immediate payment while Ledyer handles credit risk, invoicing, and collections.
- Subscription Services: Recurring subscription revenue from automated B2B subscription billing with flexible billing models (per month, per user, consumption-based). Includes automated payment flows and follow-up.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Monthly | Quote-based enterprise pricing |
Go-to-market motion3 records
Distribution channels5 records
Marketing channels6 records
Ledyer product offering
Product offeringCore offering
Ledyer is a B2B payment platform that manages the entire purchase-to-payment lifecycle for merchants selling to businesses, public sector organizations, and associations. The platform handles checkout, automated invoicing, payment reminders, collections, and absorbs credit risk so merchants receive payment immediately. It is purpose-built for B2B with company identification via organization numbers, AI-based credit assessment, support for Nordic e-invoice standards (PEPPOL, Svefaktura, Kivra), and BankID authentication.
Product overview
Ledyer is a B2B payment platform offering a modular portfolio of products. The core offering consists of three main products: (1) Ledyer Checkout - a ready-made B2B checkout with high conversion; (2) Ledyer Payments - a payment method solution handling invoice, advance invoice and direct payment; and (3) Ledyer Headless - an API-based solution for building custom B2B payment experiences. Supporting modules include Ledyer Prenumerationer (Subscriptions) for recurring revenue automation, Ledyer Point of Sales for physical retail, Ledyer Access for B2B customer authentication (OAuth2/OpenID Connect), and Order Management for capturing, refunding and managing orders. The platform also includes a merchant portal for order/payment overview and My Ledyer portal for end customers.
Differentiator
Problem solved
Functional benefit
Brands
- Ledyer Checkout: An inline checkout application for seamless B2B purchase experiences.
- Ledyer Payments
- Ledyer Headless
- Ledyer Access
- Ledyer Subscriptions
- Ledyer Point of Sales
Products and services
- Ledyer Checkout
- Ledyer Payments The full B2B payment processing platform that handles the complete purchase-to-payment journey from checkout to invoicing, reminders, and collections. Merchants receive payment immediately while Ledyer absorbs credit risk and handles post-purchase administration. Built for B2B merchants across the Nordics.
- Ledyer Headless A headless, API-driven payment integration that allows merchants to build fully customized B2B payment experiences using Ledyer's APIs. Supports OAuth 2.0 client credentials authentication, order sessions, webhooks, notifications, and idempotency for B2B merchants requiring bespoke front-ends.
- Ledyer Subscriptions A subscription and recurring billing product tailored for B2B subscription merchants. Automates recurring invoicing, dunning, and renewal management for B2B customers, with the same credit risk absorption and Nordic e-invoice support as the core platform.
- Ledyer Point of Sales An in-person B2B point of sale payment solution that supports company identification, on-the-spot credit assessment, and invoicing at checkout. Targeted at B2B merchants with physical retail or trade-counter operations.
- Ledyer Access A customer identification and credit assessment product that performs AI-based real-time credit checks against business customers during checkout. Uses organization numbers and OpenID Connect for secure B2B authentication, integrating BankID for identity verification in the Nordics.
- Ledyer Order Management A backend order and invoice management system that handles invoicing, payment reminders, dunning, and collections on behalf of B2B merchants. Supports Nordic e-invoice standards (PEPPOL, Svefaktura, Kivra) for automated B2B invoicing.
Quantifiable outcome
- Increased conversion and sales with B2B customers completing more purchases
- +4 more outcomes
Companies that use Ledyer
Customer profileNamed customers9 records
Segments4 records
Ideal customer profiles4 records
Ledyer technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration20 records
AI capability1 record
Feature9 records
Ledyer partnerships and signals
Strategic signalPartnerships
18 partnerships are on record, tiered flagship, core and minor.
- Visa Innovation ProgramflagshipLedyer was selected for the Visa Innovation Program 2026 as one of Europe's most promising B2B payment solutions. This recognition strengthens Ledyer's position in the B2B payments market.
- ShopifycoreLedyer is the official payment partner to Shopify - the first dedicated B2B payment solution in the Nordics. This partnership enables businesses to use B2B payments directly in Shopify stores. Available via Shopify App Store.
- BrinkcoreModern e-commerce platform integration. Ledyer available as payment option for Brink merchants.
- LitiumcoreScalable e-commerce platform for businesses with high ambitions. Ledyer integrated as B2B payment solution.
- NorcecoreNordic SaaS platform for digital commerce. B2B and B2C companies use Norce with Ledyer for payment processing.
- NyehandelcoreSwedish e-commerce platform with comprehensive solutions from purchase to delivery. Ledyer integrated for B2B payments.
- WetailcoreCode-free flexible e-commerce solution based on WooCommerce. Ledyer available as payment option.
- Magento 2 Adobe CommercecorePopular e-commerce platform with comprehensive features. Ledyer integrated as B2B payment solution for Magento merchants.
- WooCommercecoreWordPress e-commerce plugin for online retailers. Ledyer available as B2B payment plugin for WooCommerce stores.
- Angry CreativeminorModern web agency specializing in WooCommerce with expertise in complex processes.
- AvactiminorE-commerce agency with expertise in WooCommerce, Shopify, and digital growth. Helps brands build converting purchase experiences.
- coiminorCreative Shopify agency helping brands create and grow e-commerce with focus on strategy, design, and technology.
- DahlquistminorShopify agency building scalable and future-proof e-commerce solutions for digital growth.
- GhostarminorModern partner with expertise in AI and e-commerce in a constantly changing digital world.
- Nordic Web TeamminorSenior e-commerce agency in Stockholm building solutions on Norce, Shopify, Shopware, and Magento with deep expertise in integrations, payments, and AI-assisted development.
- ScandiwebminorFullstack agency with the most certified Magento team, delivering e-commerce projects from startups to Fortune 500 companies.
- Wallmander & CominorSpecialized e-commerce agency building custom solutions in Shopify, BigCommerce, and WooCommerce with focus on growth, integrations, and long-term value.
- ZAGOminorShopify agency combining design and technology to create fast, converting, and visually strong e-commerce solutions with focus on UX, UI, and custom development.
Scale indicators5 records
Recent moves6 records
Expansion highlights6 records
Ledyer competitors and assessment
Company assessmentDirect peers
- Treyd: Nordic B2B BNPL platform offering invoice financing at checkout for SMEs. Direct competitor to Ledyer in trade-credit-at-checkout for Nordic merchants.
- Svea Ekonomi: Nordic payment and financing provider offering invoice, installment and factoring solutions to B2B merchants. Already an investor in Ledyer, indicating direct competitive overlap in B2B invoice financing.
- Walley (formerly Collector Bank): Nordic BNPL and B2B invoice payments provider serving merchants and banks. Competes directly with Ledyer on invoice-based checkout for B2B and B2C merchants in Sweden and Finland.
- Billie: Berlin-based B2B BNPL provider offering pay-after-delivery and invoice financing at checkout. Comparable business model to Ledyer despite a different geography.
Broad incumbents
- Klarna: Swedish BNPL and payments giant now expanding into B2B payments and merchant services. Overlaps with Ledyer on Nordic invoice-based payments but serves a much broader consumer and merchant base.
- Qliro: Swedish fintech offering payments, consumer lending and merchant checkout. Overlaps with Ledyer on Nordic checkout and credit-based payments, and is a prior employer of Ledyer's new CCO.
- Resurs Bank: Nordic bank and payments provider offering retail and B2B financing, factoring and invoice services. Overlaps with Ledyer on Nordic B2B credit and checkout products.
- Worldline: European payment processor and merchant acquirer with broad payment infrastructure coverage. Competes indirectly with Ledyer in Nordic enterprise payment processing; also a prior employer of Ledyer's CCO.
Emerging players
- Tranch: UK-based B2B payments platform offering pay-later and invoice financing at checkout. Comparable technology stack and target customer profile to Ledyer.
- Kriya: UK-based B2B payments and credit provider offering PayLater and embedded finance for merchants. Comparable model of financing B2B checkout and absorbing credit risk.
Market position
Strengths5 records
Weaknesses4 records
Competitive moat5 records
Key risks5 records
Key highlights7 records
Customer concentration
Ledyer social profiles
Digital presenceLedyer compliance and trust
Trust signalCompliance1 record
Ledyer financial estimates
Financial estimateRevenue estimate
Valuation estimate
Ledyer leadership team
Management profileNumber of profiles
Profiles5 records
Ledyer funding detail
Funding detailFunding overview
Funding rounds3 records
Investors5 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Ledyer M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Ledyer
What does Ledyer do?
Ledyer is a B2B payment platform that manages the entire purchase-to-payment lifecycle for merchants selling to businesses, public sector organizations, and associations. The platform handles checkout, automated invoicing, payment reminders, collections, and absorbs credit risk so merchants receive payment immediately. It is purpose-built for B2B with company identification via organization numbers, AI-based credit assessment, support for Nordic e-invoice standards (PEPPOL, Svefaktura, Kivra), and BankID authentication.
Is Ledyer a public or private company?
Ledyer is a private company. It is classified as venture growth investor backed and is currently operating.
When was Ledyer founded?
Ledyer was founded in 2021. It employs 1 to 10 people.
Where is Ledyer based?
Ledyer is headquartered in Stockholm, Sweden, in the Europe region.
How does Ledyer make money?
Two revenue lines are on record. B2B Payment Processing is the primary driver. The others are subscription Services.
Who are Ledyer's main competitors?
Direct peers on record are Treyd, Svea Ekonomi, Walley (formerly Collector Bank) and Billie. Broad incumbents are Klarna, Qliro, Resurs Bank and Worldline. Emerging players are Tranch and Kriya.
Does Ledyer have an API?
Yes. Ledyer provides a comprehensive REST API for B2B payment integration. The API uses OAuth 2.0 client credentials protocol for authentication. Key capabilities include: Order sessions (session valid for 7 days, returns sessionId and orderId), Order management (capture, refund, edit, full/partial operations), Payment processing, Checkout integration (inline iframe), Ledyer Access (OAuth2/OpenID Connect for B2B customer authentication), Webhooks for order lifecycle events, and Idempotency support via Idempotency-Key header. Access tokens expire after one hour. All API requests must be made over HTTPS. Environments: sandbox (auth.sandbox.ledyer.com, api.sandbox.ledyer.com, checkout.sandbox.ledyer.com, payments.sandbox.ledyer.com) and live (auth.live.ledyer.com, api.live.ledyer.com, checkout.live.ledyer.com, payments.live.ledyer.com). Developer documentation is at developers.ledyer.com.
What industry is Ledyer in?
Ledyer's product category is B2B Payment Processing. Its primary akta.pro industry code is FSAGAIAC, B2B / Invoice-Based BNPL (Trade Credit at Checkout), with a secondary code of FSAGABAE, Merchant-of-Record (MoR) & Payment Facilitation (PayFac) Infrastructure. Its NAICS code is 52222 and its SIC code is 6199.