Zaver

Zaver is a Swedish fintech supervised by the Swedish Financial Supervisory Authority (Finansinspektionen), building "size-agnostic" payment infrastructure that handles everything from small retail purchases to high-value transactions up to €200,000. Where most BNPL providers cap out at a few thousand euros, Zaver processes transactions at any scale.

Operated by Frink AB (org. no. 559059-8420) and expanding across the Nordics and DACH, Zaver powers payments for major automotive brands, health providers, and subscription businesses.

Key products:

• Pay Now — immediate payment for high-value transactions
• Pay Later — flexible payments with no interest, no fees
• Pay Over Time — installment splitting for larger purchases
• Pay End of Month — consolidated monthly billing
• Account-to-Account transfers — card-free bank-to-bank payments
• Payment tokenisation — subscriptions and one-click checkouts
• Size-agnostic — €1 to €200,000 on a single platform
• Licensed and regulated — by Sweden's FSA (Finansinspektionen)

Operating in Sweden, Germany, Finland, and Norway. Notable merchants include Porsche, Volkswagen, Hyundai, Nissan, Tibber, Trek, Aquadental, and Mifcom — covering automotive, retail, health, and subscription sectors. A strong Nordic alternative to Klarna for high-ticket payments and European SMBs.