Dintero
Dintero is a Norwegian fintech operating a modular payment platform for e-commerce, marketplaces, and physical retail across the Nordics, offering checkout, Split Payout, loyalty, and KYC/AML modules under a direct Visa and Mastercard acquirer license.
- Company typePrivate
- Founded2017
- HeadquartersOslo, Norway
- Headcount11–50
- GTM typeB2B
- OfferingSoftware
What Dintero does
Dintero is a Norwegian fintech company founded in 2017 and headquartered in Oslo, with a regional office in Stockholm opened in 2025. The company provides a modular payment platform serving e-commerce merchants, platforms, marketplaces, and physical retailers across the Nordics. Its core offerings are Dintero Checkout, a high-converting payment solution supporting local Nordic methods (Vipps, Swish, MobilePay, Klarna, Billie, Walley) alongside global cards and wallets, and Split Payout, which enables marketplaces to distribute funds automatically to multiple sellers. Adjacent modules include Loyalty, Gift Cards, Quickr (KYC/AML onboarding and monitoring), and the myDintero customer portal.
The platform is built on an API-first architecture with pre-built integrations for Shopify, WooCommerce, Magento, Crystallize, Optimizely, and nopCommerce. In November 2025, Dintero became Norway's first new Visa and Mastercard acquirer in over 20 years, enabling direct end-to-end processing of card transactions without third-party intermediaries. This regulatory milestone underpins control over the entire payment chain and supports new offerings such as Mastercard Secure Card on File network tokenization and unified commerce solutions. Dintero holds a payment institution license from Finanstilsynet, valid across the EU/EEA.
Dintero generates revenue primarily through transaction processing fees on processed volume, supplemented by recurring subscription fees for payment services. GTM combines enterprise field sales targeting large merchants and platforms (such as Vy, GANT, Europris, Sport Holding) with self-serve distribution through Shopify and WooCommerce apps for SMBs. As of late 2024, the company reported 142% year-over-year volume growth and is targeting 170%+ growth, processing double-digit billion NOK in annual transaction volume. Cumulative disclosed funding is approximately 50 million NOK across rounds led by Schibsted Ventures and Bring Ventures, with the most recent round in December 2022 valuing the company at approximately 500 million NOK.
Dintero firmographics
Firmographics- Name
- Dintero
- Legal name
- Dintero AS
- Website
- https://dintero.com
- Company type
- Private
- Founded year
- 2017
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Dintero is a Norwegian fintech operating a modular payment platform for e-commerce, marketplaces, and physical retail across the Nordics, offering checkout, Split Payout, loyalty, and KYC/AML modules under a direct Visa and Mastercard acquirer license.
- Ownership category
- akta.pro rank
Dintero industry classification
Industry- Product category
- Payment Processing
- NAICS
- Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232)
- SIC
- Finance Services (6199)
- akta.pro primary industry
- Merchant Payment Gateways (API/Hosted Checkout) (FSAMACAA)
Keywords
Where Dintero is headquartered
LocationHeadquarters
- HQ city
- Oslo
- HQ country
- Norway
- HQ region
- Europe
Offices2 records
Markets served
Dintero business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Personnel, Technology or R&D, Operations, Marketing or Sales, Infrastructure
Revenue model
- Transaction Processing Fees: Dintero charges merchants competitive transaction fees for processing payments. The company emphasizes transparent pricing with no hidden costs or minimum fees.
- Payment Services Subscription: Monthly fees for payment services billed quarterly. Includes access to checkout, Split Payout, and other payment solutions.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Pay-as-you-go | Transaction-based pricing model |
Go-to-market motion3 records
Distribution channels5 records
Marketing channels7 records
Dintero product offering
Product offeringCore offering
Dintero is a Norwegian fintech company that provides an API-first payment processing and checkout platform for online stores, platforms, marketplaces, and physical retail. Its core products include Dintero Checkout (a multi-method online checkout), Split Payout (automatic fund distribution for marketplaces and platforms), Loyalty, Gift Cards, and Quickr (KYC/AML onboarding). Dintero is licensed as a payment institution and as a direct Visa and Mastercard acquirer, enabling it to process card transactions end-to-end without third-party intermediaries.
Product overview
Dintero is a Norwegian fintech company offering a modular payment platform for e-commerce, platforms, marketplaces, and physical retail. The core platform consists of Dintero Checkout for online payment processing and Split Payout for marketplace fund distribution. Additional modules include Loyalty and Gift Cards for customer engagement, Quickr for KYC/AML compliance, and myDintero as a customer portal. The company is authorized as a payment institution and holds a full acquirer license for Visa and Mastercard, enabling end-to-end payment processing without third-party intermediaries.
Differentiator
Problem solved
Functional benefit
Products and services
- Dintero Checkout A high-converting online checkout solution that supports multiple local Nordic and global payment methods, with one backoffice dashboard for payout reports, refund management, analytics, and payment link creation. Targeted at online stores, platforms, and marketplaces needing BNPL, B2C/B2B invoicing, and recurring payment services.
- Split Payout Marketplace and platform payment orchestration product that accepts one customer payment and automatically splits funds across multiple sellers using advanced split rules. Includes compliant onboarding, a powerful API, and white-label availability for platforms and marketplaces.
- Loyalty Customer loyalty solution that delivers personalized rewards across channels, including discounts, deals, stamp cards, customer and user management, and eReceipts, available via API integration. Used by merchants to drive repeat purchases.
- Gift Cards Digital gift card solution enabling merchants to drive customer spend and new revenue streams through omni-channel distribution, white-label offerings, and API integration. Supports payment cards, gift cards, vouchers, store credit, and bonus points.
- Quickr (KYC/AML) All-in-one KYC/AML onboarding and monitoring dashboard that streamlines customer verification with automated data capture, pre-filled company information, and real-time monitoring with alerts. Targeted at platforms and marketplaces needing compliant merchant onboarding.
Quantifiable outcome
- 142% volume growth in November 2024 vs previous year
- +2 more outcomes
Companies that use Dintero
Customer profileNamed customers10 records
Segments4 records
Ideal customer profiles4 records
Dintero technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration15 records
Feature6 records
Dintero partnerships and signals
Strategic signalPartnerships
Five partnerships are on record, tiered flagship and core.
- VisaflagshipVisa approved Dintero as a principal acquiring member, the first new Norwegian acquirer in over 20 years. This strategic partnership enables Dintero to directly process Visa transactions and access the latest Visa innovations including Click to Pay and Visa Direct.
- MastercardflagshipMastercard approved Dintero as an acquirer in the Norwegian market. Dintero supports Mastercard Secure Card on File (SCOF) network tokenization and will expand offerings including unified commerce solutions.
- KlarnacoreDespite being called a 'Klarna challenger', Dintero entered a partnership to offer Klarna's payment solutions (Pay Now, Pay Later, Financing) within Dintero Checkout. The collaboration was driven by customer demand, allowing all Dintero merchants to offer Klarna's services.
- EltoncorePartnership with Norwegian EV charging app Elton to provide seamless payment solutions for chargers. Dintero developed Norway's first seamless function to pay with Vipps on chargers. The solution was expanded to support MobilePay for Danish and Finnish consumers as Elton launched across the Nordic region.
- VyflagshipDintero secured a major contract to develop an advanced marketplace platform for Vy (Norway's national rail and bus provider). The solution handles ordering and calculates split payouts to all merchants involved in multi-modal travel purchases. Vy also planned to use Dintero Marketing & Reward for customer loyalty.
Scale indicators12 records
Recent moves7 records
Expansion highlights6 records
Dintero competitors and assessment
Company assessmentDirect peers
- Klarna: Swedish BNPL and payment provider that is now both a Dintero partner and a competing checkout in the Nordics. Overlaps directly in merchant payment, checkout, and consumer credit offerings.
- Qliro: Nordic payment and consumer credit provider offering checkout, BNPL, and merchant services in Sweden/Norway. Direct competitor for Nordic e-commerce and platform merchants.
- Nets (Nexi Group): Long-standing Nordic payment processor and acquirer (now part of Nexi) operating as both acquirer and gateway. The incumbent Dintero is disrupting in Norway with direct acquirer status.
Broad incumbents
- Stripe: Global payment gateway and processing platform widely used by Nordic e-commerce and SaaS merchants. Dintero competes head-to-head on SMB and mid-market checkout, especially through Shopify integrations.
- Checkout.com: Global payment processor with strong European footprint and direct acquiring capability. Targets enterprise and platform merchants similar to Dintero's Split Payout customer base.
- Adyen: Global payment processor offering unified online, in-store, and platform payments. Competes with Dintero for Nordic enterprise merchants but at much larger scale and broader geographic reach.
- Worldline: Large European payment processor with Nordic merchant acquiring and gateway services. Competes for the same enterprise merchants as Dintero across EU/EEA markets.
- Verifone (2Checkout): Global commerce and payment solutions provider with European gateway/merchant services. Overlaps with Dintero in online checkout and omnichannel retail payments.
Emerging players
- Aera: Emerging Nordic fintech building payments and account-to-account payment infrastructure. Partially overlaps with Dintero's broader fintech/payments roadmap in the Nordics.
Regional players
- Paytrail (part of Nets): Finnish-focused online payment gateway offering local payment methods and checkout for merchants. Comparable to Dintero's localized payment method strategy but geographically Finland-centric.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks6 records
Key highlights7 records
Customer concentration
Dintero social profiles
Digital presenceDintero compliance and trust
Trust signalCompliance2 records
Dintero financial estimates
Financial estimateRevenue estimate
Valuation estimate
Dintero leadership team
Management profileNumber of profiles
Profiles4 records
Dintero funding detail
Funding detailFunding overview
Funding rounds3 records
Investors2 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Dintero 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 Dintero
What does Dintero do?
Dintero is a Norwegian fintech company that provides an API-first payment processing and checkout platform for online stores, platforms, marketplaces, and physical retail. Its core products include Dintero Checkout (a multi-method online checkout), Split Payout (automatic fund distribution for marketplaces and platforms), Loyalty, Gift Cards, and Quickr (KYC/AML onboarding). Dintero is licensed as a payment institution and as a direct Visa and Mastercard acquirer, enabling it to process card transactions end-to-end without third-party intermediaries.
Is Dintero a public or private company?
Dintero is a private company. It is classified as venture growth investor backed and is currently operating.
When was Dintero founded?
Dintero was founded in 2017. It employs 11 to 50 people.
Where is Dintero based?
Dintero is headquartered in Oslo, Norway, in the Europe region.
How does Dintero make money?
Two revenue lines are on record. Transaction Processing Fees are the primary driver. The others are payment Services Subscription.
Who are Dintero's main competitors?
Direct peers on record are Klarna, Qliro and Nets (Nexi Group). Broad incumbents are Stripe, Checkout.com, Adyen, Worldline and Verifone (2Checkout). Aera is listed as an emerging player. Paytrail (part of Nets) is listed as a regional player.
Does Dintero have an API?
Yes. Dintero offers a public API that allows developers to build sophisticated payment experiences with full control over the user experience. The API enables creating and managing checkout sessions, processing payments, handling split payouts, managing transactions, and integrating with the Dintero platform. Documentation is available at docs.dintero.com. Developer documentation is at docs.dintero.com.
What industry is Dintero in?
Dintero's product category is Payment Processing. Its primary akta.pro industry code is FSAMACAA, Merchant Payment Gateways (API/Hosted Checkout). Its NAICS code is 52232 and its SIC code is 6199.