Use a combination of Vipps (mobile payments) + Zettle (card reader) + cash box.
- Sign up for a Vipps Bedrift (Business) account → get a 5-digit Vipps number or QR code
- No hardware needed — works with just a smartphone
- Most Norwegians already have it
- Con: Requires customers to have a Norwegian bank account & phone number
- Fee: 1.75% flat, no monthly fee
- Accepts Visa, Mastercard, Amex, Apple Pay, contactless
- One-time hardware cost: 299–799 NOK (card reader)
- Transaction fee: 1.75% flat — no hidden fees to Visa/Mastercard/etc.
- Monthly fee: 0 NOK — pay nothing when not in use
- No fee for declined transactions or refunds
- Payout to your bank account within 1–2 business days
- Note: Payment links (remote) are 2.25% instead of 1.75%
- Download Zettle Go app on iPad
- Pair the card reader via Bluetooth (Settings → Card Readers)
- Add products with name, image, and price in the app
- Tap items on iPad as customer shops → total auto-calculates
- Press "Pay" → amount appears on card reader display for customer
- Zettle also sells Store Kits (iPad stand + charger) for a pro setup
- Transaction fee: 1.49%–1.69% (cheapest fees)
- Hardware: From ~199 NOK (SumUp Air reader)
- Tap to Pay: Use Android/iPhone directly as a reader for 0 NOK hardware cost
- Businesses must accept cash at physical, staffed premises — up to 20,000 NOK per transaction
- Amendment to the Financial Contracts Act
- Fines for non-compliance since January 2025
- Unstaffed / self-service stores
- Vending machines
- Online / remote sales
- Some mobile sales (pop-ups/food trucks may have exemptions — check current rules)
- Keep a cash float in small denominations (100 & 200 NOK bills)
- Use Zettle Go app to log cash sales alongside card transactions for clean bookkeeping
| Provider | Hardware Cost | Monthly Fee | Transaction Fee |
|---|---|---|---|
| SumUp | From ~199 NOK | 0 NOK | 1.49%–1.69% |
| Vipps | 0 NOK | 0 NOK | 1.75% |
| Zettle | From ~299 NOK | 0 NOK | 1.75% |
For high volume (50,000+ NOK in a few days), look into BankAxept — Norway's national debit system with lower per-transaction costs, but typically requires monthly terminal rental (not ideal for short-term pop-ups).