Payment institutions and e-money institutions serving Norway must be licensed, either by Finanstilsynet (the Norwegian FSA) or, within the EEA, through passporting of a home-country licence. Finanstilsynet maintains a register of licensed e-money enterprises that Bergen businesses can consult.
Bergen merchants choosing a processor should verify the licence route (Norwegian or passported EEA), compare settlement times in NOK, and check costs for card schemes and the national account-switching and payment infrastructure relevant to Norwegian customers.
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Use the sourced market guidance above to evaluate providers directly with the national regulator and each provider before opening an account.
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