Quickpay ApS

Denmark · owned by Unzer (Germany) · quickpay.net · 21 vendors

Quickpay is a Danish Payment Service Provider (PSP) that enables over 30,000 webshops to accept online payments quickly and securely, processing more than 4 million transactions per month. It supports a wide range of payment methods including Visa, Mastercard, MobilePay, Apple Pay, Google Pay, and Klarna, and integrates with popular e-commerce platforms such as Shopify, WooCommerce, and Magento. In 2021, Quickpay became part of Unzer, a European payments company, while continuing to operate under the Quickpay brand.

Resilience scores

Disruption prediction

Quickpay ApS has an estimated 21% probability of disruption in the next 6 months.

7 of Quickpay ApS's 21 vendors monitored for disruptions.

Technology vendors

Services catalogue

3 services in catalogue across 3 categories; runs on 21 sub-vendors.

Insights

Last updated 2026-09-13 · revision 2

21 direct vendors, 241 subvendors

Direct vendors by controlling owner country (sample)

Subvendors by controlling owner country (sample)

Migration Readiness: 6/10

Assessed by AI based on technology stack characteristics (cloud-native vs legacy, containerization, microservices), regulatory environment, data residency requirements, financial stability, and vendor lock-in risks. The score ranges from 0-10, where higher scores indicate better readiness for technology migration.

Quickpay ApS exhibits a medium level of migration readiness, scoring 55. The company's tech stack is diverse, encompassing Ruby, PHP, Python, C#, Kotlin, Swift, and more, alongside modern practices like REST API architecture and GitHub Actions for CI/CD. However, there is no explicit mention of cloud-native architecture, containerization (e.g., Docker/Kubernetes), or microservices, suggesting a potentially more traditional or mixed architecture that could require significant refactoring for a full cloud migration. The use of PLpgSQL might also indicate database-tied logic that could complicate migration. A major challenge for migration readiness stems from strict regulatory requirements (GDPR, PCI DSS, PSD2, NIS2 assessment) and data residency constraints, as data must be processed and stored within the EU/EEA. These factors will add complexity, cost, and time to any migration effort, necessitating meticulous planning to maintain compliance. While the company's strong financial stability as part of the Nets/Nexi Group is a significant advantage, providing the resources to fund a complex migration, the

Compliance

10 in-scope frameworks identified; showing 3.

DORA (source) — Assessment Required

DORA (Regulation (EU) 2022/2554) entered into force on 17 January 2025 and directly applies to payment institutions and payment service providers in the EU. Risk is HIGH because: (1) Quickpay is a payment service provider and is explicitly within DORA's scope as a financial entity; (2) DORA imposes mandatory ICT risk management, incident reporting, digital operational resilience testing, and third-party ICT risk management requirements; (3) Finanstilsynet is the competent authority for DORA supervision of Danish payment institutions; (4) non-compliance penalties can be significant; (5) DORA's requirements are extensive and require significant implementation effort, particularly for ICT third-party risk management (Quickpay relies on Unzer group infrastructure and multiple payment scheme integrations); (6) the regulation is newly in force (January 2025), meaning many entities are still in the implementation phase.

Evidence: https://quickpay.net/about-us, https://eur-lex.europa.eu/legal-content/EN/TXT/?uri=CELEX%3A32022R2554, https://www.finanstilsynet.dk/en/Topics/DORA, https://www.eba.europa.eu/regulation-and-policy/digital-operational-resilience-dora

PSD2 — Assessment Required

PSD2 (Directive (EU) 2015/2366), transposed into Danish law via the Payment Act (Betalingsloven, Act no. 652 of 2016, as amended), is directly applicable to Quickpay as a payment service provider. Risk is HIGH because: (1) operating as a payment gateway without proper licensing or registration under PSD2 is a criminal offence in Denmark; (2) Finanstilsynet actively supervises payment institutions; (3) Strong Customer Authentication (SCA) requirements under PSD2 RTS directly affect Quickpay's payment flows; (4) the company references 3-D Secure (the technical implementation of SCA) in its helpdesk, indicating awareness. Status is 'Assessment Required' because Quickpay's specific regulatory status (licensed Payment Institution, registered agent, or operating under an exemption) is not publicly confirmed on their website, and no Finanstilsynet registration number is disclosed.

Evidence: https://quickpay.net/helpdesk/3d-secure/, https://quickpay.net/helpdesk/secured-by-nets/, https://quickpay.net/terms-of-service, https://www.finanstilsynet.dk/en/Registers/Payment-institutions, https://eur-lex.europa.eu/legal-content/EN/TXT/?uri=CELEX%3A32015L2366

eIDAS Regulation — Assessment Required

eIDAS (Regulation (EU) No 910/2014, updated by eIDAS 2.0 / Regulation (EU) 2024/1183) governs electronic identification and trust services in the EU. Risk is LOW because: (1) Quickpay's primary business is payment processing, not trust services; (2) eIDAS is most directly applicable if Quickpay issues qualified electronic signatures, seals, or timestamps — which is not evidenced; (3) however, eIDAS is indirectly relevant through PSD2's SCA requirements, which reference eIDAS-compliant authentication methods; (4) the forthcoming EU Digital Identity Wallet (eIDAS 2.0) may create new obligations for payment service providers accepting digital identity credentials.

Evidence: https://quickpay.net/helpdesk/3d-secure/, https://eur-lex.europa.eu/legal-content/EN/TXT/?uri=CELEX%3A32014R0910

Financials

Three-year financials

Financial Resilience Score: 6/10

Quickpay ApS is a small, historically very profitable Danish payment-gateway subsidiary of Unzer. Through FY2024 the business demonstrated strong resilience with EBIT margins on gross profit around 60%, steady profitability, and consistent equity growth. Its established position (30,000+ webshops, ~4M monthly transactions) and integration with parent Unzer and sister acquirer Clearhaus provide strategic support and access to a broader European payments stack. However, FY2025 marked a sharp deterioration: gross profit fell ~40%, EBIT and net profit each fell ~55%, and equity dropped ~47%, indicating either a large upstream distribution to the parent or significant operational contraction. Headcount has declined steadily from 46 (2023) to 35 (2024) to 28 (2025), with the current CVR record showing only 21 employees, suggesting ongoing restructuring. Group-level stress at Unzer (severe 2022 losses, regulatory scrutiny) and consolidation into a 'Unified Commerce' strategy with Clearhaus imply Quickpay is being repositioned as one component of a wider group offering rather than a standalone growth engine. The company remains profitable and cash-generative, but the trajectory and reduced equity base weaken its standalone resilience.

Key strengths: Long-established Danish fintech launched in December 2004, one of Denmark's leading online payment services, Scale in transaction throughput: over 4 million transactions monthly across 30,000+ webshops, Strategic integration with parent Unzer (supports 85,000+ businesses) and sister acquirer Clearhaus, Historically strong profitability with EBIT margins on gross profit around 60% in FY2023-24, Remained profitable in weak FY2025 (EBIT DKK 15.9M), Recent commercial partnerships including August 2025 Loyalty Key partnership

Risk factors: Sharp FY2025 deterioration: gross profit, EBIT and net profit each roughly halved, Equity nearly halved from DKK 32.5M to DKK 17.1M, implying large upstream distribution to parent, Steady headcount decline: 46 (2023) to 35 (2024) to 28 (2025) to 21 currently, Parent-group stress: Unzer's severe 2022 losses, restructuring pressure, regulatory scrutiny, Intense competition from Adyen, Mollie, Stripe, Nets/Nexi, PayU, Flutterwave, Viva, Revenue concentration in Danish/Nordic online retail merchant volumes, Consolidation into group's shared services may reduce entity's standalone role

Revenue by geography

Revenue by product/service

Workforce by country

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