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BankAxept

Country: Norway (NO)  |  Payment Rail: card_network

Card Market Adoption: 30%

BankAxept is the national debit card scheme and payment processing network in Norway, featuring direct domestic bank clearing and low transaction fees and widely used for in-store retail POS, unattended kiosks, and domestic debit e-commerce.

🔄 User Payment Flow

  1. Customer uses their BankAxept contactless / chip-and-PIN debit card or enters card details online
  2. Customer confirms transaction with BankID on mobile or PIN at terminal
  3. Transaction is cleared directly through domestic interbank network in real time

⚙️ Characteristics & Settlement

Instant PaymentYES
Supports QRNO
Supports RecurringYES
Supports RefundYES

🛠️ Merchant Integration Steps

  • Merchant terminal routes domestic transaction via BankAxept network
  • Acquiring gateway receives instant debit authorization from Norwegian clearing house
  • Settlement clears directly into merchant domestic bank account

🚀 Supported Payment Gateways & Acquirers (PSPs)

🔌 Adyen