Nordeflow is quietly powering some of Europe’s fastest-growing platforms in regulated industries — from affiliate marketing to licensed VASPs and niche lending apps. As CEO, Jens Holgersson has scaled the company’s infrastructure without over-promising or over-automating. His vision: a modular, compliant, and instant-ready alternative to legacy EMIs and rigid API providers.
Who is Jens Holgersson?
A Swedish-born payments strategist, Jens previously worked with Klarna’s banking team and helped structure several Open Banking pilots across the Nordics. He co-founded Nordeflow in 2021 to address the gap between technical readiness and regulatory fit in fintech payment infrastructure.
Interview
What’s Nordeflow in one sentence?
We build SEPA-native payment infrastructure for regulated and fast-moving platforms that need full control, fast onboarding, and clear compliance.
What core services do you offer?
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SEPA SCT & SEPA Instant
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Named IBANs (LT, DE, SE)
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PIS (Payment Initiation) APIs
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KYB orchestration
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White-label onboarding
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AML-ready transaction analytics
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Multi-tenant dashboards
Do you hold a license?
We’re a technical distributor working under regulated EMIs in Lithuania and Germany, with EEA passporting.
Which verticals do you work with most?
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Licensed crypto exchanges (EU, CH, UK)
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Affiliate platforms (finance, e-comm, SaaS)
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Regulated adult platforms
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Micro-lending fintechs
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Digital B2B marketplaces
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Gig economy platforms (Europe only)
Do you provide direct IBANs?
Yes — we offer named IBANs issued in LT, DE, and SE depending on EMI partner and risk profile.
What makes your SEPA offer different?
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Our SEPA Instant uptime >98%
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Instant fallback via secondary EMI partner
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API-native fallback routing
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Full IBAN lifecycle control
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Multiple clearing paths (SE, LT, DE)
What’s your approach to onboarding?
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For direct merchants: 48–72h
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For platforms: iframe onboarding with custom logic
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For crypto or adult: up to 10 days with enhanced KYB
All onboarding flows include KYT prep, flow maps, and UBO clarity.
What are your average transaction fees?
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SEPA SCT: €0.25
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SEPA Instant: €0.45
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IBANs: €8–10/month
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KYB file: €2.50–3.00
Volume pricing and white-label discounts apply.
Do you allow API-only integration?
Yes — our entire stack is available via REST, with full sandbox and webhook simulator.
What’s your value for crypto platforms?
We enable fiat ramps with transparent EMI flows, avoiding card risks.
We don’t hold or process tokens. Only MiCA-registered or pre-approved entities are supported.
What Open Banking flows do you support?
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PIS (push-to-pay for top-ups)
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Dynamic redirect or iframe
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Status webhook and fallback
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AIS for account health and payment confirmation
How are you different from Swan, Intergiro, or Wallester?
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Faster decisioning on high-risk flows
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Cleaner API documentation
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True multi-EMI fallback logic
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No forced branding — white-label OK
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Non-restrictive per-vertical policies
Do you provide dashboards for platforms?
Yes — fully customizable dashboards with multi-user access, webhook logs, flow controls, and audit history.
What’s your 2025–2026 roadmap?
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SEPA Direct Debit for subscriptions
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KYT module integration
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Country-specific payout corridors (CEE & Nordics)
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ESG + carbon scoring for financial flows
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Integration with 🇳🇴 Vipps and 🇫🇮 Siirto rails (where applicable)
Related Searches
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Nordeflow fintech
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SEPA Instant Sweden
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IBAN API Europe
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Open Banking Sweden
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Crypto friendly payment infrastructure
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Affiliate payout provider
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White-label PSP for platforms
FAQ
Is Nordeflow licensed?
No, Nordeflow is a technical distributor under licensed EMIs.
Do you issue IBANs?
Yes — LT, DE, and SE available.
Do you support crypto or adult merchants?
Yes — case-by-case, with documentation and compliance approval.
Do you offer SEPA Instant fallback logic?
Yes — automatic EMI routing fallback with API notification.
Company Services
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SEPA SCT & Instant
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IBAN issuing
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KYB onboarding tools
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Open Banking PIS
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Reconciliation tools
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Webhooks + dashboards
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Crypto-compatible fiat flows
Competitors
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Swan
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Lemonway
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ConnectPay
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Wallester
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Unlimit
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Intergiro
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SatchelPay
Product Positioning
Nordeflow is:
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API-first
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Nordic-compliant
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SEPA-native
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Crypto-aware
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White-label friendly
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Risk-transparent
