6 Top Payment Methods in Denmark

Find out which payment methods are most popular in Denmark and learn which ones are a must when you want to expand your business to the country.

Denmark is an almost cashless country, where some shops actually put up signs saying they prefer not to take cash if possible. Instead, the Danish population uses a combination of global and local payment methods for online and offline transactions.

I recently expanded my own business into the Danish market, so I’ve compiled my findings into this useful guide. Read on to find out which payment methods you should consider accepting to appeal to a Danish audience. 


6 Top Payment Methods in Denmark

1. Dankort 

Dankort is Denmark’s national debit card. It’s also the country’s most common card, with about 4.5 million members. Most versions of the card are combined with Visa or Mastercard, allowing cardholders to pay with Dankort abroad as well. 

Dankort cards are used both online and in-store. Denmark is a mostly cashless country, so most shops prefer to accept Dankort or credit cards over cash.

In 2015, contactless payments with Dankort became possible. Today, they represent 80% of transactions with this card. 

2. MobilePay

MobilePay is a digital wallet used mainly in Denmark (but also in Finland) that launched in 2013. The payment app is widely accepted throughout Denmark, used by over 4 million people out of the country’s population of 5.8 million. Customers spent more than 23 billion euros through MobilePay in 2021 alone.

MobilePay is common for online payments, thanks to its security measures. Each account is attached to the user’s CPR number (national security number) so the police are able to track payments easily if someone gets scammed. 

MobilePay is also used in-store. Some supermarket chains even integrate the payment method directly into their own shopping apps. It’s common to see the service used by door-to-door salespeople or charity collectors, as well as at small stalls and pop-up events. 

3. Apple Pay

In 2021, 63% of mobile devices sold in Denmark were Apple products, so Apple Pay is a popular payment app in the country. Many of Denmark’s residents use Apple Pay for cashless payments in-store. In 2020, Apple Pay began supporting Dankort cards.

Only 1% of Denmark’s payments are made with cash, so contactless payments are very popular. There is no minimum spend to use Apple Pay in stores in Denmark. Customers can even use their iPhone or Apple Watch to buy a stick of gum at a corner store.

4. Google Pay

About 40% of smartphones in Denmark use the Android operating system. Many of these devices come with Google Pay preinstalled, so users can use Google Pay for contactless transactions. Apple users can also download Google Pay to their devices.

Google Pay supports cards from most banks in Denmark, but does not support Dankort cards. Android users must pay with their physical cards if they want to use Dankort in-store.  

Mobile wallets are also widely accepted in online stores. Google Pay and Apple Pay are commonly offered alongside PayPal and the local option, MobilePay.

5. PayPal

PayPal is popular in Denmark for peer-to-peer payments with people outside of the country. It’s commonly used by contractors and freelancers working internationally. However, as a payment method for online shopping, newer services like Apple Pay, Google Pay, and Mobile Pay are much more popular. 

6. Immediate Credit Transfer (Straks)

Danish banks can use a transfer for domestic payments that deliver money into the recipient’s account in 1.5 seconds. This can be used for transfers under 500,000 DKK (around $70,000). Customers can make these transfers at any time of day on any day of the year.

Straks transfers are commonly used to pay contract workers like accountants or decorators who use an invoice system to receive payments. 

The Best Way to Accept Global Payments

Pay.com allows businesses to accept global payments through a large variety of credit cards and online wallets. New payment methods are added frequently.

Our global payment processing system works behind the scenes to overcome hurdles like traffic routing, expired cards, and insufficient funds. With top-level PCI DSS compliance and 3DS2 authentication, we keep your payments secure and protect your business from payment fraud.

You can use our developer-friendly APIs to integrate Pay.com into your existing website or app, or choose one of our no-code solutions to get started quickly with a hosted checkout page.

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The Bottom Line

Accepting payments from customers in Denmark doesn’t have to be a challenge.

Pay.com provides reliable global payment processing, and it’s easy to get started, whether you need a simple way to send direct Pay Links or a completely personalized payment platform. 

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How can my business accept payments from Denmark?

Your business can easily accept payments from Denmark with Pay.com. We offer global payment processing for a wide range of payment methods popular in Denmark. When you work with Pay.com, you can let your Danish customers pay you the way they want, while knowing that your payment system is completely secure.

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What is the most used payment method in Denmark?

Card payments are the most used payment method in Denmark, making up approximately 50% of transactions. Payment apps such as Apple Pay, Google Pay, and Mobile Pay are also very popular.

Does Google Pay work in Denmark?

Google Pay does work in Denmark. The majority of in-person and online stores accept this payment method. Other digital wallets like Apple Pay also work in Denmark.

What is MobilePay in Denmark?

MobilePay is a local payment app used by the majority of Danish consumers. It allows users to send cashless payments to other individuals and organizations. They can also make secure mobile payments online.

What's the safest way to accept payments from Denmark?

The safest way to accept payments from Denmark is through Pay.com. We comply with the highest level of PCI DSS security standards through tech like tokenization, which hides transaction details in transit. We also use 3DS2 multi-factor authentication to confirm customer identity when necessary, for another layer of protection. 

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Meet the author
Monica J White
Monica is a journalist with a lifelong interest in technology. She first started writing over ten years ago and has made a career out of it, with a special focus on fintech. She enjoys the challenge of explaining complex topics to a broader audience.
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