Qitero Qitero

Qliro

Country: Sweden (SE)  |  Payment Rail: bank_clearing

BNPL Market Adoption: 5%

Qliro is a major Nordic e-commerce payment and BNPL provider in Sweden, featuring frictionless checkout and flexible installment financing widely used for online retailers and digital goods.

🔄 User Payment Flow

  1. User selects Qliro (Invoice / Buy Now Pay Later) at checkout
  2. User enters email, postal code, and signs with BankID
  3. Real-time credit score approves 14-30 day open invoice or installment plan
  4. Order is confirmed immediately with payment deferred

⚙️ Characteristics & Settlement

Instant PaymentYES
Supports QRNO
Supports RecurringYES
Supports RefundYES

🛠️ Merchant Integration Steps

  • Merchant initiates checkout session via Qliro Unified Checkout API
  • Qliro provides seamless embedded iframe or hosted checkout
  • Qliro guarantees 100% merchant payout and takes full fraud/credit risk
  • Merchant fulfills order immediately