Zaver

Zaver, a Swedish fintech company founded in 2016 by Amir Marandi and Linus Malmen, provides versatile payment solutions for both e-commerce and physical stores. The company has developed a platform that supports a range of payment methods, including buy now, pay later (BNPL), real-time payouts, and account-to-account transfers, designed to handle transactions of all sizes, including high-value purchases up to €200,000. Zaver's core business revolves around offering merchants flexible payment options to increase sales and customer conversion, while guaranteeing upfront payment to the merchant and managing the collection from the customer.

The platform serves various industries, with a notable presence in the automotive sector, partnering with brands like Porsche, Volkswagen, and Hyundai. It also caters to mobility, retail, and health and wellness sectors. Zaver's business model is built on providing a seamless, omnichannel payment experience that integrates online and in-store sales channels. The company utilizes AI-powered risk assessment and machine learning to manage fraud and credit risk, a feature that also helps in driving higher average order values for its clients. Originally focused on peer-to-peer payments with fraud detection, Zaver has since expanded its services significantly. In early 2025, Zaver was granted a banking license by the Swedish Financial Supervisory Authority, signaling its intent to broaden its financial services to include savings accounts.

Keywords: size-agnostic payments, high-value transactions, buy now pay later, BNPL, e-commerce payments, omnichannel payments, fintech, payment gateway, real-time payouts, automotive finance, account-to-account payments, payment processing, merchant services, AI risk assessment, mobile payments