What changed in payments this week.

A short weekly briefing for everyone who takes, builds or sells payments in the Nordics and Baltics, online and in store.

One short email a week, every source linked. No spam. Unsubscribe at any time. Read the privacy notice.

  1. Sample: What agent-initiated checkout asks of merchants

    A placeholder item. Replace with a real article on how AI agents identify themselves and pay.

    Agentic commerce

  2. Sample: Network tokens and card-on-file payments

    A placeholder item. Replace with a real piece on network tokenisation for stored cards.

    Tokenisation

  3. Sample: How pay by bank flows differ across the Nordics

    A placeholder item. Replace with a real comparison of account-to-account payment flows in the region.

    Pay by bank

  4. Sample: Local wallets at checkout in Sweden, Norway and Denmark

    A placeholder item. Replace with a real update on Swish, Vipps or MobilePay for online merchants.

    Local methods

  5. Sample: SCA exemptions and their effect on approval

    A placeholder item. Replace with a real article on strong customer authentication exemptions.

    Fraud & authorisation

What we cover

Eight areas, explained in plain words.

The rules are changing

The EU rules for payments are being updated. We follow what changes for your checkout and explain it in plain words, with the source linked.

Today

Coming

Seven markets, seven habits

Choose a market to see the payment methods shoppers there use most. Market pages are on the way.

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Stay current, free.

One short email a week: what changed, why it matters for your business, and a link to every source.

One short email a week, every source linked. No spam. Unsubscribe at any time. Read the privacy notice.

Editorial policy

  • Neutral coverage of providers, methods and regulation.
  • No ranking or placement that favours any provider.
  • Sources are always linked, so you can read the original.

About Paynavia

Paynavia is an independent initiative, built and run by Leandro Diaz, who works in enterprise sales at Worldpay.

It is a personal project and is not affiliated with, sponsored by or endorsed by any payment provider, including that employer. The aim is simple: a calm, useful overview of payments for everyone who takes, builds or sells them in the region.