Lower your card fees.
We handle the rest.
Most restaurants pay more than they need for card payments. Vendion offers competitive acquiring agreements with transparent pricing, next-day payouts and no lock-in period.
What is an acquiring agreement?
Simplified.
In short: it's the agreement that gets the money from the customer's card into your bank account. No acquiring agreement — no card payments.
Guest pays
The guest taps, inserts the card or pays contactlessly. The terminal accepts the payment.
Acquirer verifies
The acquirer checks that the card is valid, that funds are available, and approves the transaction.
Money in your account
The acquirer deducts their fee and deposits the rest into your business bank account. Usually the very next day.
💡 The transaction fee — the percentage the acquirer takes per purchase — is what varies most between agreements. That's where Vendion makes the difference.
Most restaurants
pay too much.
Not because you chose wrong — but because the acquiring market is deliberately opaque. Different fees per card type, hidden charges, convoluted pricing models. We cut through the fog.
Teaser rates on debit cards
Many agreements advertise ultra-low prices on domestic debit cards — but charge significantly more for credit and corporate cards. If you run a restaurant with business lunches, it adds up fast.
Hidden fees
Transaction fee, authorization fee, monthly fee, annual fee, PCI fee — the invoice can have 5-6 line items nobody mentioned. Vendion has transparent pricing.
Locked into your POS vendor's deal
Many POS vendors force you to use their acquiring agreement — often at worse terms. Vendion never locks you in.
Vendion Acquiring.
Straight to the point.
Competitive pricing
We negotiate volume deals and pass the savings to you. Most restaurants save money per transaction. We're happy to provide a free comparison.
Next-day payouts
The money hits your account the very next business day. No waiting 3-5 days. Great for cash flow — especially in an industry with thin margins.
Transparent pricing
No hidden fees, no invoice surprises. You know exactly what every transaction costs — debit, credit, corporate, international cards.
No lock-in period
Happy? Stay. Not happy? Switch. No notice period, no exit fees. We believe in earning your loyalty.
Calculate what you
could save.
A small difference in transaction fees makes a big difference over a year.
Example calculation based on 400,000 SEK monthly card turnover. Your actual savings depend on your current agreement and card mix. We're happy to run a free analysis of your transactions.
All cards. All wallets.
Worldwide.
💡 International guests? With support for UnionPay, JCB and DCC (Dynamic Currency Conversion), your international guests can pay in their own currency. Perfect for restaurants in tourist areas.
Money in your account.
Tomorrow.
Most acquiring agreements pay out after 2-3 business days. Vendion's agreement gives you the money the very next day after the transaction. In an industry where cash flow decides everything — that makes a difference.
- Payout T+1 (next business day)
- Consolidated daily payout
- Detailed transaction report
- Bank-independent — funds go to any account
- Works with all Swedish banks
Friday's transactions hit your account on Monday. Saturday's on Tuesday. Better cash flow — every week.
You choose.
Always.
Vendion never forces you to use our acquiring agreement. Have a good deal with your bank — keep it. Don't have one, or want to compare — we'll help.
Keep your own agreement
Happy with your current agreement? Perfect. Vendion's terminals work with all major acquirers in Sweden. No configuration needed.
Sign up with Vendion
No agreement today? Or want to see if you can save? We offer competitive agreements with transparent pricing. We'll run a free analysis.
Three steps to lower
card fees.
Contact us
Send us your current agreement or tell us about your turnover. We'll analyze it completely free of charge.
We compare
We compare your current agreement with Vendion's terms. You see exactly what you can save — per month and per year.
Done
Happy? We handle the application, onboarding and switch. You sign with BankID. Takes 3-5 business days.
Frequently asked questions about acquiring.
Not just an agreement.
Part of the platform.
Acquiring → Terminal
Seamlessly integrated with Vendion's card terminals. The amount is sent automatically — no manual entry, no errors.
Acquiring → Analytics++
All transactions visible in Analytics++. See fees per card type, transaction volume per hour, total fee cost per month.
Acquiring → Z-report
All card transactions compiled automatically daily. Cash reconciliation in seconds, not minutes.
Ready to lower your
card fees?
We'll analyze your current agreement free of charge. No obligation — just an honest comparison.
No lock-in period. No obligation. Just lower fees.