Zimpler
Zimpler is an open-banking pioneer and mobile-first payment method tailored for swift, secure bank payments primarily in Nordic markets with support for SEK, EUR and regional currencies.
Zimpler is an open-banking pioneer and mobile-first payment method tailored for swift, secure bank payments primarily in Nordic markets with support for SEK, EUR and regional currencies. It enables instant deposits via mobile verification and direct bank integration, reducing checkout friction. Zimpler’s lightweight API, strong authentication, and fraud controls make it attractive for gaming, digital content, and services aiming for high conversion and low payment abandonment across Europe.
What Zimpler costs
Zimpler quotes per merchant. What you are offered depends on your volume, your industry, the countries you sell in, your card mix and your risk profile — so a published headline rate would not be your rate. Ask them for a quote against your own numbers.
Licences and regulation
Authorisations Zimpler holds, as published by the provider or regulator. Check the register entry before relying on it.
Finansinspektionen (FI), the Swedish Financial Supervisory AuthorityWhat you need to onboard
Company Details · Company Documents · Enhanced KYB & Due Diligence
Licences a merchant needs
Forex Licence (Local) · License · iGaming Licence (Local)
What the last check found
Zimpler is Zimpler AB (organisation number 556887-9984, Vasagatan 10, Stockholm), an authorised Swedish payment institution — not an e-money institution and not a bank, so merchant funds sit in safeguarded client accounts under the Payment Services Act (2010:751) rather than on a balance sheet with deposit-guarantee cover.
Finansinspektionen's company register gives institute number 44018, LEI 894500QQ0R50KZ8VOY20, register status active since 2012-12-03, and four permissions: executing payment transactions and executing them through a credit line, both granted 1 February 2019, plus PSD2 payment initiation and account information services, both granted 13 August 2019. The payment-initiation permission is the core of the product — Zimpler is pay-by-bank, initiating from the payer's own bank rather than holding cards.
A 25-country footprint resolves as passporting plus Brazil. FI lists cross-border notifications for 17 EEA states (AT, DE, DK, ES, FI, FR, IT, MT, NL, PT, NO, LT, PL, EE, LV, BE, CY), all under the single Swedish licence, so for EEA merchants the regulator of record is Finansinspektionen rather than the local authority.
Brazil is a genuinely separate licence-holder: ZIMPLER BRASIL INSTITUICAO DE PAGAMENTO LTDA., CNPJ 44704839, São Paulo, in the segment "Instituição de Pagamento" on the BCB's register of institutions operating in the country, with Pix participant authorisation announced 2025-11-03. Brazilian merchant funds therefore sit with the Brazilian entity under BCB rules, not with Zimpler AB. That CNPJ is not recorded as an authorisation here: the page it was cited from is a register index rather than a record, and the number could not be resolved there. The entity does not appear in the Open Finance Brasil participant directory either — 210 participants, no match — despite the framing of the June 2025 press release.
Ownership changed recently. TrueLayer completed its acquisition on 2026-03-03 with Finansinspektionen's approval and states that Zimpler keeps its own Swedish licence. TrueLayer Ltd publishes FCA FRN 901096 on its legal page, and the FCA's firm checker gives 901096 as TrueLayer Limited, truelayer.com, EC2A 1PX, currently holding permission. That is the parent's licence, not Zimpler's, so it is recorded here only as context.
Checked against Zimpler’s own documentation on 21 October 2026. Coverage changes; confirm anything you are about to build on.
Is Zimpler regulated?
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Sources · 15
- Zimpler site page index · zimpler.comUsed for the product pages — Zimpler Go, instant deposits and payouts, cross-border payments, identity, and the Swish integration — and establishing that no coverage page existsChecked 20 October 2026
- Finansinspektionen company register — Zimpler AB (detail page, id 114594) · fi.seUsed for Primary source: payment institution status, FI institute number 44018, organisationsnummer 556887-9984, LEI, registered address, all four permissions with grant dates, active-since date
- Finansinspektionen company register — Zimpler AB cross-border services · fi.seUsed for The 17 EEA countries Zimpler has passported into, the services notified in each and the notification dates
- Banco Central do Brasil — Relação de Instituições em Funcionamento no País · bcb.gov.brUsed for The BCB register that carries the Brazilian entity; landing page for the dataset searched
- BCB Olinda open-data API — SedesSociedades (machine-readable copy of the BCB register) · olinda.bcb.gov.brUsed for Where the record was actually found and read: "ZIMPLER BRASIL INSTITUICAO DE PAGAMENTO LTDA.", CNPJ 44704839, SEGMENTO "Instituição de Pagamento", São Paulo address. BCB's HTML register pages are JavaScript-only and could not be read directly
- Zimpler Brazil terms and conditions · zimpler.comUsed for Full Brazilian CNPJ 44.704.839/0001-86 and the registered São Paulo address, matching the BCB register entry
- Zimpler global terms and conditions · zimpler.comUsed for Zimpler AB organisation number and the scope of its FI permissions as the company states them; Getswish AB named as the Swish scheme operator
- Zimpler — About us · zimpler.comUsed for Founded 2012 as PugglePay by Johan Friis and Kristofer Ekman Sinclair, renamed Zimpler in 2016; Nordstjernan became a shareholder in 2022
- TrueLayer completes acquisition of Zimpler (3 Mar 2026) · truelayer.comUsed for Parent company and completion date; Finansinspektionen gave the regulatory approval
- TrueLayer to acquire Zimpler, creating a European Pay by Bank powerhouse · truelayer.comUsed for Statement that Zimpler retains its local Swedish licence; change-of-control filed with Finansinspektionen; "25+ markets" figure matching the directory's 25 country rows
- TrueLayer legal · truelayer.comUsed for Parent entity name TrueLayer Ltd and its stated FCA Firm Reference Number 901096.
- Zimpler receives official Pix authorisation from the Central Bank of Brazil (3 Nov 2025) · zimpler.comUsed for Date and scope of the Pix participant authorisation; no reference number published by the company
- Zimpler becomes certified Payment Institution in Brazil (4 Jun 2025) · zimpler.comUsed for Date the Brazilian payment institution authorisation was announced; prompted the BCB register check
- Open Finance Brasil — participant directory · data.directory.openbankingbrasil.org.brUsed for Negative check: no Zimpler entry among 210 participants, so the Open Finance participation implied by the June 2025 press release is unconfirmed
- FCA Firm Checker — search for "TrueLayer" · fca.org.ukUsed for Register read confirming FRN 901096 belongs to TrueLayer Limited, truelayer.com, EC2A 1PX, and that it currently holds FCA permission. Recorded on this listing only because TrueLayer is the new parent; it is not an authorisation Zimpler holds.
15 sources · last checked 21 October 2026 — each one says which claim it supports.
Compiled from public sources — verify with Zimpler before you sign anything. How we compile this · Suggest a correction ·