PensoPay
PensoPay A/S is a Danish PCI-certified payment gateway provider serving 9,000+ webshops with bundled acquiring, fraud protection, and Anyday BNPL, operating as a wholly-owned subsidiary of Visma.
- Company typePrivate
- Founded2015
- HeadquartersVejle, Denmark
- Headcount1–10
- GTM typeB2B
- OfferingSoftware
What PensoPay does
PensoPay A/S is a Danish payment service provider operating a PCI DSS-certified online payment gateway bundled with acquiring services for e-commerce merchants. Founded in 2015 (with one source dating incorporation to 2014) and headquartered in Vejle, Denmark, the company was acquired by the Visma group and now operates as a wholly-owned subsidiary of the Scandinavian enterprise software conglomerate. Its technology stack functions as a PCI-compliant liaison between acquirer banks (Nets, Clearhaus) and merchant webshops, with encrypted transaction routing and an API-first architecture documented at docs.pensopay.com and backed by a public GitHub presence.
The company's product portfolio centers on a single payment gateway that combines gateway functionality with a merchant acquiring agreement in one sign-up, supported by native modules for 50+ e-commerce platforms (Shopify, WooCommerce, Magento, PrestaShop, Shopware, VirtueMart) and accounting integrations (Dinero, e-conomic, Billender.se, Likvido). Integrated add-ons include a rule-based Fraud Fighter, configurable 3D Secure authentication (Verified by Visa, Mastercard SecureCode, Secured by Nets), and the Anyday Buy Now Pay Later integration enabling 4/6/8/10 installment payments. Accepted methods span Visa, Mastercard, Dankort/VISA-Dankort, Electron, Maestro, MobilePay, Apple Pay, Google Pay, and Anyday.
PensoPay's commercial model is a freemium product-led growth approach with free signup, no binding period, and monthly auto-renewing subscription. Core revenue is transaction-fee based (varying by payment method and acquirer), with Anyday priced at 3.95% per transaction plus a 29 DKK payout fee and manual invoicing at 59 DKK per invoice. The customer base comprises 9,000+ primarily Danish SMB webshops across fashion, food and beverage, home goods, and lifestyle categories, with localization into Danish, German, and English markets. Distribution leverages self-serve signup via app.pensopay.com, the Visma group partner network, and cross-promotional partnerships (e.g., Lunar business accounts). The company has received the Børsen Gazelle Award five times, most recently in 2025.
PensoPay firmographics
Firmographics- Name
- PensoPay
- Legal name
- PensoPay A/S
- Website
- https://pensopay.com
- Company type
- Private
- Founded year
- 2015
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- PensoPay A/S is a Danish PCI-certified payment gateway provider serving 9,000+ webshops with bundled acquiring, fraud protection, and Anyday BNPL, operating as a wholly-owned subsidiary of Visma.
- Ownership category
- akta.pro rank
PensoPay industry classification
Industry- Product category
- Payment Gateway
- NAICS
- Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232)
- SIC
- Services-Prepackaged Software (7372), Finance Services (6199)
- akta.pro primary industry
- Merchant Payment Gateways (API/Hosted Checkout) (FSAMACAA)
- akta.pro secondary industry
- Card-Not-Present / eCommerce Acquirers (FSAMABAD)
Keywords
Where PensoPay is headquartered
LocationHeadquarters
- HQ city
- Vejle
- HQ country
- Denmark
- HQ region
- Europe
Offices1 record
Markets served
PensoPay business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Infrastructure, Personnel, Operations, Marketing or Sales, Supply Chain
Revenue model
- Payment Processing / Transaction Fees: Transaction-based fees charged to merchants for each payment processed through the gateway. Fees vary by payment method and acquirer. Anyday carries a 3.95% transaction fee plus a 29 DKK payout fee (weekly or monthly). Manual invoicing via bank transfer or EAN incurs a 59 DKK per-invoice fee. Core revenue is driven by transaction volume across the 9,000+ merchant base.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Freemium | Monthly | Free signup tier — no setup fee, no monthly commitment |
| Transaction based/ take rate | Pay-as-you-go | Anyday BNPL add-on — 3.95% transaction fee + payout fee |
| Transaction based/ take rate | Monthly | Manual invoicing — 59 DKK per invoice |
Go-to-market motion2 records
Distribution channels4 records
Marketing channels8 records
PensoPay product offering
Product offeringCore offering
PensoPay provides a PCI DSS-certified online payment gateway bundled with acquiring services for Danish and international webshops. The platform processes credit and debit card payments (Visa, Mastercard, Dankort) and mobile/wallet payments (MobilePay, Apple Pay, Google Pay) and add-on BNPL (Anyday) for more than 9,000 merchants, integrated with 50+ shop systems via ready-made plugins and a REST API with webhooks.
Product overview
PensoPay is a Danish payment service provider (PSP) offering an all-in-one online payment solution for webshops. The core product is a bundled payment gateway and merchant agreement (indløsningsaftale) that enables webshops to accept online payments. The portfolio includes the PensoPay Payment Gateway as the central platform, the integrated Fraud Fighter and 3D Secure modules for security, Anyday BNPL for installment payments, and shop integration modules for 50+ e-commerce platforms including Shopify, Magento, WooCommerce, PrestaShop, and Shopware. The service supports major payment methods including Visa, Mastercard, MobilePay, Apple Pay, Google Pay, and is PCI DSS certified.
Differentiator
Problem solved
Functional benefit
Products and services
- PensoPay Payment Gateway Hosted, PCI DSS-certified payment gateway that lets online merchants accept cards (Visa, Mastercard, Dankort), mobile wallets (MobilePay, Apple Pay, Google Pay) and BNPL, with bundled acquiring, ready-made shop-system plugins, a REST API and webhook events. Used by 9,000+ Danish and international e-commerce merchants.
- Anyday BNPL
Quantifiable outcome
- Average basket size increases by up to 40% for webshops offering Anyday BNPL
- +5 more outcomes
Companies that use PensoPay
Customer profileNamed customers15 records
Segments4 records
Ideal customer profiles2 records
PensoPay technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration12 records
Feature4 records
PensoPay partnerships and signals
Strategic signalPartnerships
Seven partnerships are on record, tiered core and minor.
- Visma GroupcorePensoPay A/S is a part of Visma, one of Scandinavia's largest enterprise software groups. This provides pensopay with distribution leverage through Visma's customer and partner network, shared sustainability initiatives (joint ESG reporting), and cross-selling opportunities within the Scandinavian B2B software ecosystem.
- Nets (NetsTeller)coreNets is a key payment infrastructure provider for pensopay. Transactions flow through Nets' authorization platform for card payments (Visa, Mastercard, Dankort via Nets acquirer). pensopay maintains integration with Nets for payment processing, though the platform has experienced occasional connectivity issues (e.g., May 21, 2026 incident affecting Nets, NetsTeller, Bambora, Swedbank, and Elavon).
- ClearhauscoreClearhaus is listed as an acquirer (indløser) and sub-processor for pensopay, handling card payment processing and settlement for merchants.
- AnydaycoreAnyday is a Danish BNPL (Buy Now, Pay Later) fintech integrated into pensopay's payment gateway. It enables interest-free 4-installment payments (and 6/8/10 installment options with customer-paid fee). Anyday has 200,000+ Danish users and 3,000+ merchant partners. Transaction fee is 3.95% + 29 DKK payout fee. Anyday takes on fraud and collection risk.
- ShopifycoreShopify is a key shop system integration partner. pensopay provides a native module for Shopify merchants to accept payments. Note: Apple Pay and Google Pay cannot be activated in pensopay's gateway when using Shopify due to technical and contractual limitations with Shopify's external PSP cooperation.
- Lunarminorpensopay offers an exclusive 20% discount on Lunar business accounts for pensopay customers. Lunar is a Danish neobank providing business banking services, creating a cross-promotional partnership.
- Amazon AWScoreAmazon AWS (hosted in Sweden) is a sub-processor for pensopay, providing cloud hosting infrastructure. Listed in pensopay's sub-processor register as of April 2, 2024.
Scale indicators7 records
Recent moves6 records
Expansion highlights5 records
PensoPay competitors and assessment
Company assessmentDirect peers
- QuickPay: Danish payment gateway and acquirer offering card processing, MobilePay, and e-commerce integrations to Nordic webshops. Directly comparable to PensoPay as a domestic PSP targeting the same Danish SMB e-commerce segment — and notably listed as a PensoPay sub-processor, indicating overlapping infrastructure roles.
- Reepay: Danish payment gateway focused on subscription billing and online card payments for Nordic merchants. Comparable to PensoPay in product scope (gateway + acquiring) and target customer (Danish and Scandinavian e-commerce), with a stronger tilt toward recurring billing.
- Clearhaus: Danish card acquirer serving e-commerce merchants across the Nordics with Visa and Mastercard acquiring services. A PensoPay partner/sub-processor, but also a direct competitor in the acquiring layer that PensoPay bundles with its gateway.
- OnPay: Danish online payment gateway provider focused on webshops with broad payment method coverage including MobilePay, cards, and local options. Targets the same Danish SMB e-commerce segment as PensoPay with a comparable bundled gateway-and-acquirer value proposition.
Broad incumbents
- Bambora (Worldline): Nordic payment service provider acquired by Worldline, offering card acquiring, e-commerce, and POS payment solutions across Scandinavia. Comparable as a Nordic PSP infrastructure player that PensoPay competes with for mid-market Danish merchants.
- Nets (Nexi Group): Leading Nordic payment infrastructure provider operating Dankort, card acquiring, and gateway services. A PensoPay acquirer partner but also a vertically integrated competitor that could disintermediate pure-play gateways by offering direct merchant relationships.
- Stripe: Global payment gateway and processing platform rapidly expanding Nordic payment method support (MobilePay, Klarna, Swish). A broad incumbent whose developer-friendly APIs and aggressive pricing represent the principal competitive threat to PensoPay's Danish SMB base.
- Adyen: Global payments platform serving enterprise merchants with unified online, mobile, and POS processing. Comparable to PensoPay at the gateway layer and represents an incumbent threat as it expands its Nordic acquiring and local payment method coverage.
Emerging players
- Klarna: Swedish BNPL and payment network with deep Nordic merchant penetration. Comparable to PensoPay through its payment-rail integration into Nordic e-commerce, and a competitor/alternative to the Anyday BNPL that PensoPay resells through its gateway.
- Walley (Collector Bank): Nordic BNPL provider (part of Collector Bank) offering installment and invoice-based payment solutions to Scandinavian merchants. Comparable to PensoPay's Anyday BNPL offering as a competing BNPL/payment-method integration for Danish and Nordic e-commerce.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat5 records
Key risks5 records
Key highlights7 records
Customer concentration
PensoPay social profiles
Digital presencePensoPay compliance and trust
Trust signalCompliance2 records
PensoPay financial estimates
Financial estimateRevenue estimate
Valuation estimate
PensoPay leadership team
Management profileNumber of profiles
Profiles2 records
PensoPay funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
PensoPay 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 PensoPay
What does PensoPay do?
PensoPay provides a PCI DSS-certified online payment gateway bundled with acquiring services for Danish and international webshops. The platform processes credit and debit card payments (Visa, Mastercard, Dankort) and mobile/wallet payments (MobilePay, Apple Pay, Google Pay) and add-on BNPL (Anyday) for more than 9,000 merchants, integrated with 50+ shop systems via ready-made plugins and a REST API with webhooks.
Is PensoPay a public or private company?
PensoPay is a private company. It is classified as corporate owned and is currently operating.
When was PensoPay founded?
PensoPay was founded in 2015. It employs 1 to 10 people.
Where is PensoPay based?
PensoPay is headquartered in Vejle, Denmark, in the Europe region.
How does PensoPay make money?
One revenue line is on record: payment Processing / Transaction Fees.
Who are PensoPay's main competitors?
Direct peers on record are QuickPay, Reepay, Clearhaus and OnPay. Broad incumbents are Bambora (Worldline), Nets (Nexi Group), Stripe and Adyen. Emerging players are Klarna and Walley (Collector Bank).
Does PensoPay have an API?
Yes. PensoPay offers a payment gateway API that enables webshops to process online payments. The API supports real-time transaction processing, payment authorizations, captures, refunds, and webhook notifications for payment events. All transactions between the payment gateway and acquirers are encrypted. Developer documentation is at docs.pensopay.com.
What industry is PensoPay in?
PensoPay's product category is Payment Gateway. Its primary akta.pro industry code is FSAMACAA, Merchant Payment Gateways (API/Hosted Checkout), with a secondary code of FSAMABAD, Card-Not-Present / eCommerce Acquirers. Its NAICS code is 52232 and its SIC code is 7372.