In a region dominated by card-based neobanks and legacy payment rails, Flowdesk Nordic has carved out a niche by enabling real-time bank transfers, wallet-based payouts, and compliance-ready APIs for a new generation of MiCA-ready fintechs. We sat down with Victor Andersson, Flowdesk’s Chief Product Officer, to explore how they blend Nordic precision, regulatory alignment, and product velocity.
Who is Victor Andersson?
Victor started his career in investment operations at Nordea before pivoting into Open Banking product management during the PSD2 rollout. After stints with Swedish PIS providers and a core banking startup, he joined Flowdesk Nordic in 2022 to lead the roadmap for embedded SEPA orchestration and EUR wallet APIs.
Interview
What’s Flowdesk Nordic in one line?
We offer API-first SEPA and wallet infrastructure for regulated fintech platforms that need performance, flexibility, and compliance in equal parts.
What’s your main focus as CPO?
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API design
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Real-time settlement models
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Onboarding UX
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Partner EMI integration
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Core wallet ledger management
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Customer success + product support tooling
What products do you offer?
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SEPA Credit Transfer (SCT) & Instant
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EUR wallet creation
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IBAN issuing (LT, FI, DE)
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PIS (Payment Initiation Services)
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Wallet reconciliation + virtual IBANs
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Transaction monitoring (AML/KYT ready)
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Embedded onboarding for sub-merchants
Do you hold a license?
We act as a technical distributor under EMI partners in Lithuania and Germany, with full PSD2 passporting.
Which types of clients do you serve best?
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Regulated investment apps
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Crypto exchanges with EUR ramps
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Online lending platforms
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Affiliate marketing and payout platforms
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Marketplace SaaS with sub-merchant onboarding
How are you different from typical EMI dashboards?
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Developer-first APIs
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Webhook-first logic
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Wallet-layer before the bank
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Faster onboarding (avg 3 days)
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We don’t resell dashboards — we build flows
Do you issue IBANs?
Yes — named or pooled IBANs in multiple jurisdictions (LT, FI, DE). Choice depends on risk appetite, entity structure, and flow.
What’s your onboarding time?
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Regulated platforms: 3–5 business days
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High-risk (crypto/adult): 7–10 days
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Sub-merchant iframe: live in ~7 days
What kind of Open Banking do you support?
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PIS: pay-in from end-user to Flowdesk wallet
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AIS: not yet (coming Q1 2026)
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Success/failure fallback hooks
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Real-time UX signals for iframe/redirect
Do you support crypto platforms?
Yes — we support fiat EUR in/out rails only, no custody or swaps. Must be MiCA or locally registered.
How do your wallet and IBAN layers work together?
Each wallet can be assigned a static or dynamic virtual IBAN. Reconciliation is real-time, with webhooks for funding, spending, limits, and suspicious flags.
Do you support Instant SEPA?
Yes — via direct clearing partners in LT and DE, with Instant fallback logic if a bank doesn’t support it.
What’s your pricing structure?
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Wallets: €0.00–5.00/month
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IBAN issuing: €7–12/month
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SCT: €0.25
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Instant: €0.40
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KYB file: €3.00
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PIS: €0.15/initiation
Volume-based discounts are available.
What’s next on your roadmap?
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AIS (account data APIs)
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SEPA Direct Debit pilot
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Risk scoring overlay for transaction history
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FX EUR–PLN integration
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Nordic ID schema integration for onboarding
Related Searches
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Flowdesk Nordic CPO
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SEPA wallet infrastructure Finland
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Open Banking Helsinki
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EUR IBAN issuing API
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Wallet orchestration Europe
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PIS fintech platforms
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Crypto fiat rails MiCA
FAQ
Is Flowdesk Nordic licensed?
No — it distributes payment services under partner EMIs in the EU.
Do you issue IBANs?
Yes — LT, FI, and DE depending on structure and volume.
Do you support crypto or affiliate flows?
Yes — with transparent onboarding and MiCA alignment.
Do you offer dashboards?
We offer embeddable modules — not legacy-style dashboards.
Company Services
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Wallet + IBAN API
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SEPA SCT / Instant
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PIS payment flows
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Embedded KYB
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Virtual IBAN reconciliation
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Sub-account architecture
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Webhook-first integration
Competitors
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Unlimit
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Intergiro
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ConnectPay
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Clear Junction
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Swan
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SatchelPay
Product Positioning
Flowdesk Nordic is:
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Wallet-first
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API-native
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MiCA-aligned
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Developer-ready
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Nordic regulated via partner EMIs
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Ideal for scaling fintech flows
