Questions & answers Everything you want to know

SEJR is the group name. SEJR Pay is the first product: card acquiring, payment terminal, online checkout and POS system. SEJR Finans is the account, the card, the credit and the overview, all open for applications.

No. SEJR Pay runs today on an acquiring agreement with our acquiring partner. SEJR Account, and later Card and Credit, are delivered together with a licensed partner, so the money sits with a regulated provider and is held separately from our own funds.

SEJR Group A/S (CVR 46202465) is the parent company. The operating company is SEJR Pay ApS (CVR 44090880), which handles SEJR Pay agreements today. Both are Danish-owned and located at Hovedvejen 107, 3., 2600 Glostrup.

Because you get a Danish advisor, honest prices and products built together from the start. We don't promise "the cheapest". We promise the most readable agreement and the best reconciliation with your till.

Typically 3-5 days from signing to your first live transaction. The timeframe depends on identity checks and the card schemes' approval. See our guide on switching acquirer for details.

Usually yes. Send us your latest statement (photo or PDF), and we'll read it through and tell you exactly what you'd pay with us. No guesswork.

The physical terminal and online checkout support Visa, Mastercard, MobilePay, Apple Pay and Google Pay.

You see the card network's fee and our margin separately, not as one combined "fee". No hidden "processing fees". No monthly minimum.

Our margin follows your annual card turnover: 1,19 % at 1–2 mio. kr., 0,99 % at 2–5 mio. kr., 0,89 % at 5–10 mio. kr. and a tailored price above 10 mio. kr. Below 1 mio. kr. we quote on your own figures. Interchange and the card schemes’ fees pass through unchanged on top. The counter terminal costs 0 kr. in setup and subscription, and a till costs from 0 kr. a month, because the first SEJR Kasse Mini is free. The other tills cost from 149 kr. a month with SEJR Samlet, where you take card payments with SEJR and have a SEJR Konto. Subscriptions are collected automatically: SEJR Konto from the account, the rest in your card settlement.

Then we say so in the first conversation. We're open about which industries we're not the right partner for (e.g. high-risk industries, certain gambling and adult products). Better to know it on day 1 than on day 30.

Next business day to your chosen business account. When SEJR Account lands, the transaction ends up directly in your SEJR Account with automatic reconciliation.

Yes. Apply online in a few minutes. The account costs from 249 kr. a month with no setup fee. The card and the credit are applied for in the same place.

SEJR Account is a payment account regulated under PSD2 / the Danish Payments Act. That means a real IBAN, SEPA transfers, Betalingsservice and MitID Erhverv integration, but it is not deposit-guarantee protected like a bank account. Balances are held separately with a regulated partner.

SEJR Card is issued against the balance on your SEJR Account. That means no separate settlement lists, no "last Tuesday of the month" shock and no separate credit line to negotiate. The card is issued via Visa or Mastercard.

Credit requires SEJR Samlet and a credit assessment, and it builds on your actual transaction history through SEJR Pay. We see your transactions in real time, so we can offer an overdraft on your SEJR Account or a merchant cash advance based on your card volume, not a spreadsheet from last quarter.

No. The application gets you a price and a conversation about how the account should be set up. Nothing is binding until you have seen the terms and said yes.

All personal and business data is stored primarily in Denmark, otherwise in the EU, in accordance with GDPR. Card data is never stored at SEJR. It is handled by our PCI-DSS Level 1 partners.

We follow the GDPR requirement of 72-hour notification to the Danish Data Protection Agency and affected customers. We publish a transparent report on the incident. No hidden breaches.

No. Your numbers, your revenue and your agreement are not shared with third parties beyond the specific acquirers and card networks needed to settle the payment itself. NDA on request.

Call +45 52 51 69 52 weekdays 9–17, or write to support@sejr.com. You get a Danish-speaking advisor, not a script and not a chatbot. For a new agreement or prices, sales is on +45 70 60 30 86.

Not yet. For critical issues outside opening hours, your transactions run through our acquiring partners' 24/7 operations, so your shop keeps running. Contact us on Monday for follow-up.

Send an email to hej@sejr.com or call. No forms, no waiting in menus.