Payments, invoicing, and subscriptions
built for Iceland.
A unified API for card payments, digital wallets, and bank invoices with legal invoicing through PayDay.is. Kenni.is login. ISK-native.
What you get
Unified payments
Cards, Apple Pay, Google Pay, and bank invoices (krafa) through a single API. One integration.
Legal invoicing
Every payment produces a legally compliant invoice in PayDay.is. No extra bookkeeping.
Subscriptions
Recurring billing with trials, proration, and usage-based pricing. Automatic retries.
Hosted checkout
Redirect customers to a PCI-safe payment page on checkout.borga.is. Never touch card data.
Kenni.is login
Icelandic-first authentication for merchants. Company verification through procuration.
Developer-first
REST API with Stripe-style conventions. Signed webhooks. Test mode that works immediately.
Pricing
Per-transaction. No minimums, no setup fees.
EU/EEA consumer cards. Business and non-EU cards priced higher.
Payer pays through online banking (netbanki). Fees passed through at cost.
All rates are exclusive of VAT. Apple Pay and Google Pay are billed at the applicable card rate.