Qliro is a Swedish fintech company that provides checkout and payment solutions for enterprise and SME merchants, mainly in e-commerce. Its checkout combines direct payments (Pay Now) with its own invoice and instalment options (Pay Later) in the Nordics, and supports Swish, Apple Pay and cards, among others. Consumers use the Qliro app to view open invoices, schedule payments, extend due dates and register returns. The company operates in Sweden, Norway and Finland. The service is delivered as a hosted checkout with a consumer app.
Qliro AB has its registered office in Stockholm, Sweden, is listed on Nasdaq Stockholm and has been independent since 2020. It is a credit market company supervised by Finansinspektionen, the Swedish Financial Supervisory Authority. The sources name no parent company. Qliro is not open source and is operated by the vendor itself; the sources do not state where data is hosted. For a European organisation this means a Swedish provider under European law and supervision, with no identifiable foreign owner, and a dependence on the vendor for handling payments.