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P27 Nordic Payments

Using our extensive experience of the Nordic payments market we collaborate with banks and financial institutions to leverage the potential of P27. Working together we can shape the future of Nordic payments.

Shaping the payments of tomorrow

From vision to execution

P27 aims to establish a single pan-Nordic payment infrastructure for the 27 million inhabitants of Denmark, Sweden, Norway and Finland. The innovative payments infrastructure will bring a massive change in how money moves for consumers, businesses and the society.

For banks and financial institutions, the initiative means meeting specific requirements of P27 which include modernization and replacement of existing payments infrastructure to ensure they leverage on the opportunities brought by the initiative.

The time is exciting within the Nordics, but also uncertain as market players seek for advice and guidance on what steps are needed to take next.

As a key player within the Nordics we aim to help our customers embrace the opportunities brought by the initiative and together shape the future of the Nordic payments. In broad terms, P27 brings opportunities to improve end-customer offering with innovative pan-Nordic payment services and reduce cost by, for instance, harmonising system landscapes.

By closely collaborating with the involved stakeholders in the market, we aim to bring solutions, expertise, consulting as well as technological support to our customers every step of the way.

Payment Hub

Solution that meets the needs of P27 today and in the future

Whether you are a large or a small bank, a payment platform has to help you achieve the highest levels of operational efficiency. TietoEVRY’s Payment Hub is an innovative, accessible and reliable payment processing platform that can ensure your banking business is part of the new payments infrastructure. We can help banks strengthen their market position in the Nordics and find the solution fit for your needs, whether it’s connectivity to P27 you seek or advanced innovation with end-to-end value-added payment services.

Covering all types of processing activity, Payment Hub is based on open architecture and easily integrates with other systems without the need for code changes. The solution easily adapts to market changes and is ready to support payment services like request-to-pay and bill payments.


  • Compliant with the latest industry developments and standards (such as ISO 20022, P27, PSD2, SEPA Implementation Guidelines and Rule Books)
  • Support for multibank deployment - single instance, multi-tenant
  • API-driven solution that facilitates increased interactions with internal and external partners adding value to your payment offering
  • Short time-to-market for changes or new propositions
  • Flexible batch booking features
  • Suited for a phased implementation and a gradual migration from a siloed payment processing environment towards a single consolidated platform
  • Module-based solution that allows for the implementation of the whole end-to-end solution, Gateway or connectivity towards P27
  • Prepared for Request-to-Pay and Bill Payments

Delivery options

  • On-premise
  • SaaS
  • Hosted Cloud

Latest insights

The P27 journey is gearing up - what are the main considerations for your bank?

As more milestones are reached, we are close to seeing the launch of the new P27 payment initiative. What are the the main considerations banks and financial institutions should be assessing now? Read more.

How Luminor bank achieved payment processing independence and consolidation

TietoEVRY’s Payment Hub delivered as a Cloud solution enabled a fully independent and consolidated payment processing solution for Luminor bank. The project was Highly Commended at FinTech Futures PayTech Awards 2020. Learn more.

Who benefits the most from Request-to-Pay?

Due to the unprecedented times we are living in, further digitalization and immediate access to funds has gained even more significance. Sami Uski explores the benefits of request-to-pay for consumers, businesses and banks. Read more.

TietoEVRY achieves Top 25 ranking in the 2020 IDC FinTech Ranking

TietoEVRY has been ranked on the prestigious global 2020 IDC FinTech Rankings Top 25 Enterprise list by IDC Financial Insights. This is the fourth consecutive year TietoEVRY has been named and is the only Nordic company to make it to the Enterprise 25 ranking. Read the news.

First P27 services coming on line – Guide for banks operating in Sweden

P27 is the largest transition facing the Swedish payment market to date. As a bank, what do you need to do now to complete your part and how do you turn this new possibility into a success? Read the guide.

Fast – secure – frictionless: Can your digital identity replace biometrics?

Can data analytics combined with someone’s transaction history replace biometrics as an identification factor and thereby be used to authenticate a payment? Read the blog.

Contact us

Dagfinn Loen

Senior Sales Manager, Payment Solutions


Dagfinn has worked closely with numerous Nordic banks for the last 15 years. His extensive experience and market knowledge allow him to find the best solutions for customers.



Micaela Vernmark

Head of Solution Consulting, Payment Solutions 


Connect with Micaela to discuss your payments strategy and how to further develop your product offering that meets the needs of your customers. Her goal is to help banks transform and adapt to the new payments landscape. 


Empower people and businesses

TietoEVRY creates digital advantage for businesses and society. We are a leading digital services and software company with local presence and global capabilities. Our Nordic values and heritage steer our success.

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