Qliro

What Qliro does

Qliro AB is a Stockholm-headquartered, Nasdaq Stockholm-listed Nordic fintech (ticker: QLIRO, listed October 2020) operating a modular e-commerce payments and consumer credit platform, with additional offices in Helsinki and Oslo and a headcount of 200+. The company is supervised by the Swedish Financial Supervisory Authority (Finansinspektionen) as a credit market company (kreditmarknadsbolag), which permits on-balance-sheet lending for its BNPL and installment products. In 2024, more than 6 million consumers used Qliro Checkout and the company had agreements with over 200 e-merchants.

Its core product is Qliro Checkout Generation 4, a modular, composable checkout built on a JavaScript SDK and REST API architecture (Merchant API / Admin API, documented at developers.qliro.com) that bundles 30+ payment methods — Qliro's proprietary Pay Later / Invoice / Pay Now, Swish, Vipps, MobilePay, Apple Pay, PayPal, Trustly, iDEAL/Wero, Mastercard, American Express — with identity validation (Smart ID, prefilling 91% of returning customers), AI-driven Upsell 2.0 (via Sift Lab), a Return Optimizer, Loyalty sign-up, delivery options, and unified Qliro Insights analytics in a MerchantWeb back office. Adjacent products include the Qliro B2B Checkout launched with Two in April 2025 (PEPPOL, e-invoicing, instant credit decisions), Qliro In-store via the Sitoo POS partnership, and on the consumer side the Qliro app (4.4★ App Store) plus a Qliro savings account (flexible 2.15%, 3m 2.40%, 6m 2.40%, 12m 2.50%) under the Swedish state deposit guarantee up to 1,150,000 SEK.

Qliro monetizes through merchant transaction fees on Qliro Checkout volume across B2C, B2B, online and in-store channels, interest and credit-margin income from consumer invoice and installment credit (fixed 3/6/12/36-month and flexible installment plans), deposit spread on the retail savings book, and value-add analytics via Qliro Insights. Distribution combines direct enterprise sales, inside sales and self-serve onboarding for SMBs, a 50+ partner ecosystem (e-commerce platforms, payment methods, shipping, CRM, AI, POS), a developer portal, and app-marketplace distribution. Customers span large Nordic retailers (CDON, Biltema, LYKO, Inet, Nelly, Fyndiq) and SMB/DTC brands (Flowlife, Moory, Widetoes, SmartaSaker, Parfym.se, Pen Store).

Name

Qliro

Legal name

Qliro AB

Website

https://qliro.com

Company type

Public

Founded year

2014

Operating status

Operating

Headcount range

101–250 employees

Short description

Qliro AB is a Nasdaq Stockholm-listed Nordic fintech operating a modular checkout platform and licensed BNPL credit business for Nordic and European e-commerce merchants, serving 200+ merchants and 6M+ consumers across checkout, B2B, in-store and consumer app.

Ownership category

akta.pro rank

Headquarters

HQ city

Stockholm

HQ country

Sweden

HQ region

Europe

Offices3 records

Markets served

GTM type

B2B and B2C

Offering type

Software

Cost components

Technology or R&D, Personnel, Operations, Marketing or Sales, Infrastructure

Revenue model

1. Merchant transaction fees: Primary revenue stream: merchants are charged per processed transaction through the Qliro Checkout (e.g., the 2026 launch offer explicitly waives transaction fees for the first 30 days to incentivize adoption), across B2C, B2B, online and in-store volumes.
2. Consumer credit / BNPL interest income: Qliro AB is a Swedish credit market company (kreditmarknadsbolag) supervised by Finansinspektionen; it extends consumer credit via invoice (14-day, 30–60 day), flexible installment ("Pay what you want" minimum 50 SEK / 95 NOK / 9 EUR or 1/24–1/36 of total) and fixed installment (3/6/12/36 months), generating interest and credit-margin income.
3. Savings-account spread (retail deposits): Qliro offers retail savings accounts (flexible 2.15%, 3-month 2.40%, 6-month 2.40%, 12-month 2.50%) covered by the Swedish state deposit guarantee up to 1,150,000 SEK; revenue is generated on the deposit spread between customer interest paid and the return earned on those funds.
4. Data & insights (Qliro Insights): Real-time performance analytics via Qliro Insights (Tableau-based) covering payment methods, geographies and customer segments; positioned as a value-add that drives merchant upsell and retention.

Pricing tiers

Go-to-market motion6 records

Distribution channels7 records

Marketing channels8 records

Core offering

Qliro is a Nordic fintech that provides a modular e-commerce checkout and payment platform for merchants, combining payments, BNPL consumer credit, B2B checkout, in-store omnichannel POS, a consumer app, and savings accounts. The company operates under a Swedish credit-market license supervised by Finansinspektionen, serving both online and in-store retailers across the Nordics.

Product overview

Qliro offers a platform-plus-modules architecture centered on its core product, Qliro Checkout (currently Generation 4). The Qliro Checkout is a unified checkout-as-a-service for Nordic e-commerce merchants that bundles multiple payment methods (Qliro Pay Later, Qliro Pay Now, Qliro Invoice, cards, Swish, MobilePay, Vipps, Trustly, iDEAL, Apple Pay, PayPal, American Express) together with conversion features such as Qliro Fast Track, Multi-Channel Checkout, Robust Validation, Upsell 2.0 (AI-driven recommendations), Loyalty sign-up, Return optimizer, and On-site messages. Around the core checkout, Qliro provides the Qliro SDK and the Merchant API / Admin API (REST, documented at developers.qliro.com) for embedding and programmatic management, plus a Merchant Web back office. Analytics and growth modules (Qliro Insights, Loyalty Driver, Paylinks) sit on top, aggregated under the Qliro Flywheel Commerce positioning. Specialized variants include Qliro B2B Checkout (built with partner Two) and Qliro In-store for omnichannel POS. On the consumer side, Qliro operates the Qliro App (with AI-powered support) and the Qliro Savings Account, which together with Pay Later/Invoice form Qliro's consumer finance offering.

Differentiator

Problem solved

Functional benefit

Products and services

• Qliro Checkout (Gen 4)
• Qliro B2B Checkout
• Qliro In-store
• Qliro App
• Qliro Savings Account
• Merchant API / Admin API
• Qliro SDK

Quantifiable outcome

• 94% CSAT (vs 85% industry average)
• +11 more outcomes

Named customers25 records

Segments5 records

Ideal customer profiles5 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration42 records

AI capability6 records

Feature12 records

Partnerships

44 partnerships are on record, tiered flagship, core and minor.

• TwoflagshipStrategic or Co-development Partner · 29 April 2025Two (TWO Inc.) is Qliro's strategic B2B payments partner: a B2B Buy Now, Pay Later solution integrated directly into the Qliro checkout for Nordic merchants, delivering instant credit decisions, real-time risk management and a unified B2C+B2B checkout. The integration is positioned as a new standard for digital payments in the Nordics and is referenced across Qliro's B2B checkout, in-store and partner pages.
• SitoocoreOEM/ Whitelabel/ Licensing PartnerSitoo is Qliro's in-store POS / Unified Commerce partner. The Qliro In-store solution is integrated with Sitoo POS so that physical-store customers can scan a QR code and complete the purchase in the Qliro mobile checkout, including pay-later options. Sitoo is Qliro's "in-store partner" listed across the merchant and in-store pages.
• ShopifycoreTechnology or IntegrationShopify is one of Qliro's primary e-commerce platform partners; a free Qliro plugin is offered for Shopify and the Qliro Checkout Gen 4 supports plug-and-play Shopify integration (case example: Västerbottenssåpa onboarded via Shopify and achieved +22% conversion).
• Magento (Adobe Commerce)coreTechnology or IntegrationMagento / Adobe Commerce is a Qliro e-commerce platform partner; a free Qliro plugin is offered for Magento, with explicit partner pages (e.g., New Amsterdam as a Magento specialist) supporting the integration.
• WooCommercecoreTechnology or IntegrationWooCommerce is a Qliro platform partner; a free Qliro plugin is offered (often via Krokedil as the WooCommerce-specialist partner) to combine Qliro payments with WordPress-based stores.
• CentracoreTechnology or IntegrationCentra is a headless commerce platform partner for fashion and lifestyle brands; Qliro's conversion-boosting checkout integrates with Centra for international expansion, with Ventanas 95 as a launch partner.
• OptimizelycoreTechnology or IntegrationOptimizely is a digital experience platform partner; Qliro integrates payments into the Optimizely stack to power the full marketing cycle.
• LitiumcoreTechnology or IntegrationLitium is a cloud e-commerce platform partner for B2B and B2C; Qliro provides the payments layer on top of Litium.
• AskåscoreTechnology or IntegrationAskås is a Swedish e-commerce platform partner; Qliro + Askås offers scalable growth with independent technology.
• Brink CommercecoreTechnology or IntegrationBrink Commerce is a headless commerce partner; Qliro + Brink Commerce delivers a modular, serverless platform for D2C brands.
• SwishflagshipTechnology or IntegrationSwish is Sweden's most-used mobile payment method (~9M users). Qliro embeds Swish in its checkout to give merchants a trusted, bank-backed pay-now option for Swedish consumers.
• VippsflagshipTechnology or IntegrationVipps is Norway's most-used mobile payment method (>11M users). Qliro integrates Vipps in the checkout to enable phone-number-based payments for Norwegian consumers.
• MobilePayflagshipTechnology or IntegrationMobilePay is the most popular mobile payment method in Finland and Denmark. Qliro integrates MobilePay in its checkout to power consumer payments in those markets.
• Apple PayflagshipTechnology or IntegrationApple Pay is integrated into the Qliro checkout to provide fast, secure mobile/desktop payments using Touch ID / Face ID.
• PayPalcoreTechnology or IntegrationPayPal (300M+ users) is integrated into Qliro Checkout to add a globally recognized wallet option at the Qliro checkout.
• MastercardcoreTechnology or IntegrationMastercard is integrated as a card network in Qliro Checkout, with 3D Secure and PCI-DSS compliance.
• American ExpresscoreTechnology or IntegrationAmerican Express is integrated as a card network in Qliro Checkout, opening international markets and adding reward-program value.
• TrustlycoreTechnology or IntegrationTrustly is integrated into Qliro Checkout for direct bank transfers, enabling instant account-to-account payments.
• iDEAL (Wero)coreTechnology or IntegrationiDEAL, the Netherlands' leading direct-bank payment method, is integrated into Qliro Checkout, with Wero as its European evolution.
• VoyadocoreTechnology or IntegrationVoyado is Qliro's customer-experience and personalized-marketing platform partner; Qliro + Voyado connects smart segmentation with seamless payments for loyalty sign-up and lifecycle campaigns.
• KlaviyocoreTechnology or IntegrationKlaviyo is a marketing-automation platform partner; Qliro's checkout integrates with Klaviyo for personalized, data-driven customer journeys.
• Sift LabcoreTechnology or IntegrationSiftLab is Qliro's AI recommendation engine partner; the integration powers AI-based upsell and cross-sell recommendations inside Upsell 2.0 at the Qliro checkout.
• IngridcoreTechnology or IntegrationIngrid is a shipping/delivery platform partner; Qliro's checkout integrates with Ingrid to offer personalized delivery options directly in the checkout.
• nShiftcoreTechnology or IntegrationnShift is a global delivery management partner; Qliro's checkout integrates with nShift to handle carriers, costs and tracking.
• OmniarchcoreImplementation/ SI/ Consulting PartnerOmniarch is a conversion/strategy consultancy partner; together with Qliro they provide free conversion consulting as part of the 2026 launch offer (valued at €1,000) and ongoing growth-partnership support.
• AvensiaminorImplementation/ SI/ Consulting PartnerAvensia is a modern commerce B2B/B2C expert consultancy partner that helps Qliro merchants deliver top-tier customer experiences and increase sales.
• ROI ROIminorImplementation/ SI/ Consulting PartnerROI ROI is a D2C-focused e-commerce agency partner providing strategic advice, web development and performance marketing to Qliro merchants.
• GrebbanminorImplementation/ SI/ Consulting PartnerGrebban is a top-tier e-commerce agency partner for high-end design and UX, helping Qliro merchants convert visitors via optimized checkout.
• VaimominorImplementation/ SI/ Consulting PartnerVaimo is a global digital commerce and customer experience expert partner with 14 years of experience, providing omnichannel solutions to Qliro merchants.
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• KrokedilminorImplementation/ SI/ Consulting PartnerKrokedil is a WooCommerce-specialist agency partner that delivers Qliro + WooCommerce integrations to extend WordPress stores with payments.
• GhostarminorImplementation/ SI/ Consulting PartnerGhostar is an integration-specialist consultancy partner; Qliro + Ghostar creates seamless data flows between platforms and payments.
• JunipeerminorImplementation/ SI/ Consulting PartnerJunipeer is an iPaaS platform partner; Qliro + Junipeer automates accounting and workflow integrations.
• Synka+minorImplementation/ SI/ Consulting PartnerSynka+ is an integration partner; Qliro + Synka+ automates integrations between e-commerce and business systems to free up bookkeeping and order processing time.
• 99xminorImplementation/ SI/ Consulting Partner99x delivers the official Qliro plugin for the Craft Commerce platform, supporting product development and e-commerce implementations.
• FrontkomminorImplementation/ SI/ Consulting PartnerFrontkom delivers the official Qliro Checkout plugin for the Drupal platform and works on strategy, design, technology and communications for Qliro merchants.
• Ventanas 95minorImplementation/ SI/ Consulting PartnerVentanas 95 helps Qliro merchants launch on the Centra platform with built-in Qliro integrations.
• Coi AgencyminorImplementation/ SI/ Consulting PartnerCoi Agency specializes in digital business transformation and e-commerce; Qliro + Coi integrates systems and streamlines payment processes.
• New AmsterdamminorImplementation/ SI/ Consulting PartnerNew Amsterdam is an IT agency specialized in digital commerce and a leading Magento / Adobe Commerce expert, supporting Qliro merchant integrations.
• Bits TechnologyminorImplementation/ SI/ Consulting PartnerBits Technology is a technical partner that simplifies Qliro merchants' digital commerce with flexible payment methods.
• HausminorImplementation/ SI/ Consulting PartnerHaus helps ambitious brands grow beyond traditional commerce with strategy, design and a solid headless foundation integrated with Qliro.
• Automatisera MeraminorImplementation/ SI/ Consulting PartnerAutomatisera Mera is a SaaS platform partner that automates recurring tasks; Qliro + Automatisera Mera connects systems and streamlines payment processes.
• NordicWebTeamminorImplementation/ SI/ Consulting PartnerNordicWebTeam has 14 years of Magento, Shopify and headless e-commerce experience, supporting Qliro merchant implementations.
• PrestaworksminorImplementation/ SI/ Consulting PartnerPrestaworks is the Nordics' leading PrestaShop agency (since 2008); Qliro + Prestaworks offers hosting, support and development for PrestaShop stores.

Scale indicators18 records

Recent moves7 records

Expansion highlights7 records

Direct peers

• Klarna: Stockholm-headquartered BNPL and payments network and Qliro's most direct Nordic competitor. Both offer merchant checkout, consumer credit (invoice/installments) and a shopping app, with overlapping merchant logos (e.g., H&M, Samsung) and overlapping geographic focus on the Nordics and Europe.
• Trustly: Stockholm-based account-to-account payment network now owned by Nordea. Trustly competes with Qliro Checkout on Nordic pay-now flows (bank transfer) and is integrated as a payment method inside Qliro Checkout, making it both a competitor and a partner at the same time.
• Walley (Collector Bank): Swedish BNPL/consumer credit provider owned by Collector Bank (now part of JCB). Walley offers invoice, installment and B2B credit to Nordic merchants and competes head-to-head with Qliro's pay-later and B2B checkout offerings for the same e-commerce merchants.
• Riverty: Bertelsmann-owned European BNPL/invoice provider (formerly Arvato Financial Solutions) active in the Nordics, Germany and the Netherlands. Riverty competes with Qliro in invoice/installment and B2B payments, and serves overlapping enterprise e-commerce customers across Europe.

Broad incumbents

• Adyen: Amsterdam-headquartered global payment processor offering unified online, in-store and platform payments. Adyen is an incumbent alternative to Qliro Checkout for large Nordic and European enterprise merchants (e.g., LYKO, Nelly) needing a single global contract with multi-market payment methods.
• Stripe: Global internet-first payments and financial infrastructure platform. Stripe competes with Qliro Checkout for SMB and enterprise e-commerce merchants in the Nordics and Europe with its modular API-first checkout, Stripe Tax, Stripe Capital and growing BNPL integrations.
• Worldline: Paris-listed European payment processing incumbent serving merchants and banks across the Nordics (formerly through Ingenico and the equensWorldline brand). Worldline competes with Qliro in card acquiring, omnichannel checkout and merchant services for enterprise customers.
• Nets (Nexi Group): Pan-European PayTech (formerly Nets, now part of Nexi) providing card acquiring, e-commerce and in-store payments across the Nordics. Nets/Nexi competes with Qliro Checkout for Nordic enterprise and SMB merchants and offers local payment methods such as Dankort and MobilePay-related rails.

Emerging players

• MobilePay (Nordea / Danske Bank): Nordic mobile wallet jointly owned by Nordea and Danske Bank, dominant in Finland and Denmark. MobilePay competes with Qliro Checkout on the consumer pay-now side in FI/DK and is both a Qliro integration partner and a competitive wallet at the point of sale.

Others

• Sift Lab: AI-based product recommendation engine used by Qliro to power Upsell 2.0. Sift Lab is an ecosystem/AI partner that helps Qliro deliver conversion and AOV outcomes for merchants and represents an adjacent AI-commerce infrastructure player.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xlinkedin.com/company/qliro
• GitHubgithub.com/Qliro
• Facebookfacebook.com/qliroSE
• LinkedInlinkedin.com/company/qliro
• Instagraminstagram.com/qliro

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 records

Funding overview

Funding rounds5 records

Investors1 record

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Qliro