Qliro AB

Qliro AB is a Swedish financial services company focused on e-commerce payments and consumer credit in the Nordics, operating under supervision of Finansinspektionen. It provides checkout and payment solutions to merchants, including invoice (pay later), installments, card payments, and direct bank transfers, alongside a consumer app for managing purchases and credit. On the consumer side it offers unsecured personal loans and savings accounts; deposits are covered by the Swedish state deposit guarantee administered by the National Debt Office up to the statutory limit. The business model combines merchant fees with interest and fee income from receivables, funded through customer deposits and credit facilities, which puts emphasis on credit underwriting, collections, and liquidity management. Identification and signing typically rely on BankID in Sweden, and the company is subject to GDPR, anti-money laundering rules, consumer credit regulation, and capital adequacy requirements applicable to its license category. Qliro AB is listed on Nasdaq Stockholm and publishes quarterly reports detailing loan book development, net credit losses, capital ratios, and funding mix. Service coverage is concentrated in Sweden with reach across the Nordic region via connected merchants. Pricing to consumers includes interest, late fees, and reminder charges as set out in product terms, while merchants are charged transaction and service fees. Key operational risks include credit risk from BNPL and personal loan portfolios, fraud and chargebacks in online payments, regulatory changes affecting consumer lending, and sensitivity to e-commerce volumes. The company originated within the former Qliro Group before being separated and listed as a standalone entity.