--- title: "Payment Calculator for SMEs - Compare Swish, Klarna, Stripe & Adyen" description: "Calculate total costs for different payment solutions and find the best one for your business" author: "PayPro Redaktör" published: "2026-04-22" readingTime: "5 min" keywords: ["payment calculator", "Swish", "Klarna", "Stripe", "Adyen", "cost comparison", "SME"] ---

Payment Calculator for SMEs - Compare Swish, Klarna, Stripe & Adyen

Choosing the right payment solution is one of the most important decisions for small and medium-sized enterprises. Different services offer various fees, features, and user experiences. With our interactive calculator, you can compare the total costs of the most popular payment solutions in the Swedish market.

Why a Payment Calculator?

Small business owners face many choices when it comes to payment systems. Each service has its own pricing with transaction fees, fixed fees, and different requirements. Some offer simpler integrations while others have more advanced features.

With our calculator, you can see exactly how different payment solutions affect your profitability based on your unique situation.

What the Calculator Shows

1. Transaction Fees

Swish: 2.5% + 0.50 SEK per transaction

Klarna: 3.0% for Klarna Checkout, 2.5-3.5% for Klarna Invoice

Stripe: 2.5% + 2.50 SEK per transaction (in Sweden)

Adyen: 2.3% + 0.25 SEK per transaction

2. Monthly Fixed Fees

Swish: 299 SEK/month for Basic, 499 SEK/month for Premium

Klarna: No fixed fee for smaller volumes

Stripe: 25 SEK/month

Adyen: 75 SEK/month

3. Payment Cycle

When do you get access to the funds?

Swish: Immediately (next banking day)

Klarna: 14-30 days depending on product

Stripe: 7 banking days

Adyen: 7 banking days

Example: E-commerce with 1000 transactions/month

Average transaction size: 500 SEK

Swish

Transaction fees: 1000 × (2.5% + 0.50 SEK) = 1000 × 12.50 SEK = 12,500 SEK
Fixed fee: 299 SEK
Total per month: 12,799 SEK

Klarna

Transaction fees: 1000 × 3.0% = 1000 × 15.00 SEK = 15,000 SEK

Fixed fee: 0 SEK

Total per month: 15,000 SEK

Stripe

Transaction fees: 1000 × (2.5% + 2.50 SEK) = 1000 × 15.00 SEK = 15,000 SEK

Fixed fee: 25 SEK

Total per month: 15,025 SEK

Adyen

Transaction fees: 1000 × (2.3% + 0.25 SEK) = 1000 × 12.80 SEK = 12,800 SEK

Fixed fee: 75 SEK

Total per month: 12,875 SEK

Result in this example

Adyen is cheapest (12,875 SEK), followed by Swish (12,799 SEK), Stripe (15,025 SEK) and Klarna (15,000 SEK).

Difference between most expensive and cheapest: 2,125 SEK per month

Factors that Influence the Choice

1. Customer Payment Habits

For e-commerce with international customers, Stripe is often the best choice. For traditional Swedish e-commerce and retail, Swish may be more attractive.

2. Industry-specific Needs

Some industries have specific requirements. Restaurants may need solutions with table management while service companies may prefer invoice solutions.

3. Technical Resources

Small businesses with limited technical resources may prefer simpler integrations like those offered by Swish.

4. Risk Management

Klarna offers better customer credit and can reduce fraud risk, which is important for certain industries.

Next Steps

Enter your industry and average transaction size

Use our detailed calculator to see exact costs

Take demos of the services that fit best

Consult with a payment expert for final decision

Conclusion

Choosing the right payment solution is not just about cost. It's about finding a service that matches your customers' needs, your company's industry, and your technical resources. Our calculator gives you a good overview, but it's recommended to combine this with practical testing and expert advice.

With the right payment solution, you can not only reduce costs but also increase satisfied customers and improve cash flow in your business.