Zimpler Pricing [2025]: Costs, Features & UK Alternative

The information in this blog was verified using publicly available sources as of April 2025.

Choosing a payment provider isn’t just about features—it’s about what it will cost you over time. While open banking solutions like Zimpler promise faster settlement and fewer middlemen, their pricing models are not always clear. For UK businesses managing tight margins, knowing what you’ll pay per transaction is essential.

Zimpler, based in Sweden, is one of the better-known names in account-to-account (A2A) payments across Europe. However, its pricing is not publicly listed, and that makes it harder for small and medium-sized UK businesses to evaluate upfront.

In this blog, we’ll break down what Zimpler offers, how its pricing typically works based on available information

We will guide you through:

What Does Zimpler Offer?

Zimpler is an A2A payment provider that helps businesses collect payments directly from customers’ bank accounts without using cards. It’s used by platforms in e-commerce, lending, and gaming, especially in Nordic and Central European markets.

Here’s a look at Zimpler’s core offerings:

1. Instant Payments

It enables real-time transfers between banks. Customers don’t need to input card details or create accounts—they simply choose their bank, approve the payment, and funds are sent instantly. This helps improve cash flow for businesses and reduces the waiting time often associated with card-based settlements.

2. Payouts and Recurring Transactions

Businesses can also send payouts to customers—such as winnings, refunds, or loan disbursements. Zimpler supports recurring payment flows as well, which can be useful for subscription-based services or ongoing billing arrangements.

3. Secure, Regulated Infrastructure

Zimpler is regulated by the Swedish Financial Supervisory Authority. It uses bank-level authentication (via open banking protocols) to ensure transactions are verified and traceable, without the need to store sensitive card data.

4. Multi-Market Access

It supports payments in several European countries, including Sweden, Germany, Finland, and the Netherlands. This can benefit businesses that operate across borders, although the feature set and pricing may vary by region.

Zimpler Pricing for 2025

It doesn’t list its pricing publicly, but that doesn’t mean businesses are left in the dark. If you know how payment providers in the open banking space typically price their services, you can estimate what using Zimpler might cost an more importantly, how it compares to UK-first providers.

Let’s break it down by how Zimpler’s pricing is likely structured, and what that could mean for your bottom line.

1. Common Pricing Models Used by Open Banking Providers

Zimpler is a payment facilitator, which means it’s likely using a mix of the following pricing structures depending on your industry, risk profile, and transaction volume:

Pricing Model	How It Works	Typical Rate	Common Use Case
Fixed Fee per Transaction	You pay a set fee per payment, no matter the value.	€0.20–€0.50	Common in EU markets
Percentage of Transaction	A fee taken as a percentage of the transaction total.	1%–2.5%	Used in sectors like gaming or lending
Monthly Minimum	Must process a minimum volume or pay a base fee.	€5,000–€10,000/month	Ensures provider revenue from low-volume users
Tiered Volume Discounts	Higher volumes lower per-transaction cost.	Varies by volume	Ideal for high-volume businesses
Add-on Fees	Extra services like real-time payouts may cost more.	Depends on service	Real-time payouts, fraud checks, etc.

In practice, most businesses will see a combination of fixed fees and volume-based discounts, depending on how much they process and the industry they operate in.

2. What Might It Cost for UK Businesses?

Here’s a rough idea of how Zimpler Pricing might compare for a UK-based business depending on use case:

Business Type	Expected Pricing Model	Estimated Cost per Transaction
E-commerce (Low Risk)	Fixed Fee or 1% of transaction	£0.20–£0.40 or 1% of amount
iGaming or Lending	Tiered Percentage + Add-ons	1.5%–2.5% + possible monthly fees
Subscription Services	Flat Fee or Hybrid Model	£0.25–£0.50 depending on frequency
Payout Services	Flat Fee + Settlement Fees	£0.20–£0.40 per payout

Note: These are industry-based benchmarks based on standard open banking provider rates in the UK and EU. Exact figures may vary, but this gives a fair picture of what businesses might face when budgeting.

3. Things That Affect Your Final Cost

If you’re assessing whether Zimpler is a good fit, think about:

• How many transactions you process per month
  Higher volumes often unlock better rates with providers like Zimpler. Low-volume merchants may not benefit as much.
• Your average transaction value
  For high-ticket items, fixed fees can be cheaper than percentage-based ones.
• Your industry’s risk profile
  Sectors like iGaming or financial lending usually face higher fees due to stricter compliance and fraud monitoring requirements.
• Do you need just payments — or payouts too?
  Some businesses only receive money. Others, like lending platforms or marketplaces, also need to disburse funds — which can add another layer of cost.

Key Considerations Before Using Zimpler

Before integrating any payment solution, it’s important to look beyond fees. Even a well-priced provider can fall short if it doesn’t align with your tech setup, timeline, or market focus.

It serves a specific type of business. Its strengths lie in areas like regulated industries, European coverage, and support for both incoming and outgoing payments. But those same features may not be necessary or cost-effective for every UK-based company.

Here are some key things to consider:

1. Market Focus: EU vs UK

Zimpler was built for European markets and has strong traction in countries like Sweden, Germany, and Finland. While it may be available for UK businesses, its infrastructure and pricing are not always tailored for a UK-only audience.

If your customer base is entirely UK-based and you don’t need cross-border payment support, this could mean:

• Fewer relevant features for your market
• Slower or more complex integration
• Potentially higher costs than UK-first providers

2. Setup and Integration Time

Zimpler offers direct bank integrations, but getting up and running might take longer compared to UK-based providers that are pre-integrated with local banks and accounting tools.

Questions to ask internally:

• Do you have developer resources available for integration?
• How much flexibility do you need in terms of payment flow or branding?
• Would a plug-and-play solution suit you better at this stage?

3. Pricing Transparency and Forecasting

With no public pricing available, it’s difficult to calculate costs until you’ve gone through Zimpler’s sales process. That can be a challenge for startups or lean teams trying to forecast margins or run early-stage tests.

If your business is looking for:

• Clear pricing upfront
• Predictable costs per transaction
• Fewer contract or usage thresholds

Then it might not be the ideal starting point.

4. Business Model Fit

Zimpler is commonly used in:

• iGaming platforms
• Fintech lending
• Marketplaces with payout needs
• Businesses operating across multiple European countries

It’s less commonly adopted by:

• Local service businesses
• Early-stage UK startups
• Accounting Firms

If your business is on the smaller side, or your operations are UK-focused, you may be paying for features you won’t fully use.

A UK-Focused Alternative

For businesses operating solely in the UK, Zimpler’s European reach and customised pricing might feel like more than you need. If you’re looking for faster setup, predictable costs, and support focused on your market, without the overhead of cross-border complexity, Finexer is built for exactly that.

Finexer is a UK-first open banking provider offering transparent pricing, instant connectivity to 99% of UK banks, and a platform that’s ready to go live in days, not weeks. It’s especially well-suited for startups, SaaS platforms, professional services, and digital businesses trying to avoid unnecessary complexity or costs.

Why Finexer Appeals to UK Startups and SMBs

Feature	Finexer
Market Focus	UK-only
Pricing Model	Startup-friendly, usage-based
Integration Time	2–3x faster than typical providers
Bank Coverage	99% of UK banks
Setup Fees	None
Refund Handling	Lower fees or waived in select plans
Compliance	FCA-authorised infrastructure
White-Label Support	Available
Onboarding Speed	Within Weeks

Startups often struggle with payment providers that were built for enterprise use or international rollouts. Finexer takes the opposite approach: it’s made for UK-based businesses that need to move quickly and scale as they go — not commit to high minimums or chase support for every integration.