PaymentIQ
Stockholm-built orchestration with deep iGaming heritage, independent again since 2026
Founded
2014
Model
SaaS orchestration
Independent
Since 2026
Origin
iGaming-first
PaymentIQ was created in 2014 by DevCode Payments in Sweden expressly for iGaming operators, and its early adopters read like a who's who of the Nordic industry — Betsson Group, Casumo and Mr Green among them.
After a decade inside Bambora, Ingenico and Worldline, the platform returned to independence in March 2026 under Incore Invest, with renewed investment and a focused product roadmap.
It is a pure SaaS routing layer that never touches merchant funds, so operators keep their own PSP contracts, pricing and settlement while gaining unified routing, cashier components and reporting.
For payment teams, the appeal is control: rules, cascading and method configuration live in the platform, so commercial experiments no longer require engineering time.
Pricing & commercials
How commercials are structured. Pricing is tailored to your volume, market mix and product set.
| Item | Rate | Notes |
|---|---|---|
| Platform licence | Tailored — priced to your volume, market mix and product set | — |
| Per-transaction fee | Tailored — priced to your volume, market mix and product set | Volume tiers available. |
| Custom connector development | Tailored — priced to your volume, market mix and product set | — |
| Implementation | Tailored — priced to your volume, market mix and product set | — |
- Setup fee
- Implementation quoted per operator
- Monthly minimum
- Covered by the platform licence
- Rolling reserve
- None — funds stay with your own providers
- Chargeback fee
- Handled by your acquirer
- Settlement cycle
- Your existing PSP cycles, reconciled centrally
- Settlement currencies
- Inherited from your connected providers
Payment methods
Deposit methods available through this provider, the markets they cover and whether withdrawals are supported.
| Method | Type | Markets | Payouts |
|---|---|---|---|
| Card acquiring (multi-acquirer) | Cards | Global | Yes |
| Open banking / Pay by Bank | Open banking | EEA, UK | Yes |
| Wallets | Wallet | Global | Yes |
| Local rails | Bank transfer | Europe, LATAM, APAC | Yes |
Markets & verticals
The jurisdictions this provider serves and the product types it powers.
Markets served
Specialist strengths
Verticals supported
Compliance & risk
Regulatory permissions, card scheme certification and the AML, KYC and fraud tooling included.
Licences & registrations
- • Pure SaaS orchestration — your licensed PSPs continue to hold the funds
- • Your acquiring contracts and pricing stay unchanged
Security posture reviewed with your team during onboarding
AML & KYC
- • Connector support for leading KYC vendors
- • Central transaction audit trail across providers
- • Configurable limits and blocking rules
Fraud & risk tools
- • Routing rules and cascading
- • Fraud-vendor connectors
- • Method and limit configuration
- • Reconciliation and reporting
Performance
- Cascading and rule-based routing recover otherwise-declined transactions
- Contractual SLA available
- Routed to your fastest available payout provider
Integration & onboarding
How the provider connects to a cashier, how long onboarding takes and what support is included.
Integration options
- • One API for every connected provider
- • Hosted cashier components
- • Webhooks
- • Sandbox
Onboarding & support
- Phased provider migration with solution engineering support
- Solution engineering and named account management
Why operators choose them
- iGaming DNA
- Built for operator cashiers in 2014 and refined with tier-one Nordic brands.
- Independent focus
- Standalone since 2026 with renewed investment in the platform roadmap.
- Vendor neutral
- No incentive to route volume to an in-house acquirer — routing serves your economics.
- Control without code
- Payment teams change rules, methods and limits from the platform.
Summarised for comparison. The provider's team will confirm the detail for your setup.