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Payments Report 2025

Safety, efficiency and accessibility

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Safety, efficiency and accessibility

Are payments in Sweden efficient?

Payments in Sweden are, on the whole, efficient. Shops and service-related businesses accept different payment methods and find that payments work smoothly. The payment infrastructure is evolving to allow more payments to be instantaneous, but the private payment infrastructure for traditional batch payments needs to be upgraded. More and more initiatives are emerging to make cross-border payments smoother and cheaper, but there is still work to be done.

Symbols with three payment methods. Computer, mobile phone and payment card. Dashed lines between the symbols and one symbol with a shopping basket, another with a bag. A map of Sweden in the background.

Published: 10 March 2025

What is needed to ensure payments are efficient?

The costs to society, including energy consumption, for different methods of payment should be low. Fees shall be transparent and payments shall be quick and easy. There shall also be healthy competition between operators offering payment services. This means, among other things, that the payments system shall be accessible to different types of operator who want to offer payment services.