Accepting Anyday as a merchant

You open a merchant account with Anyday and connect it to your checkout. Anyday offers a Shopify module and works through payment gateways it names itself, among them Quickpay, OnPay, Frisbii, Pensopay, Freepay and Swiipe. On the Quickpay route, Anyday's activation guide takes the API key from your own Anyday login, and Quickpay states that the fee depends on your agreement with Anyday, so on that route you hold an agreement with Anyday next to the one with your PSP.

The agreement carries a marketing obligation. Anyday's merchant terms state that its price widget is installed on product, list, basket and checkout pages, and that the merchant must offer Anyday as a payment option on the same level as the other options. Outside Shopify the widget needs custom coding, which is part of the integration cost.

Anyday is a Danish product. It states that it is used by more than 200,000 Danes and accepted in more than 3,000 stores, that the minimum purchase is 300 Danish kroner, and that it can be offered only on orders in Danish kroner from shoppers in Denmark.

In store Anyday works through Scan to Pay. The merchant sets up a shop of the type In Store in the Anyday merchant platform, and the shopper scans a QR code that carries the shop's logo. That runs outside your terminal estate, so the in-store Anyday orders need their own line in reconciliation.

Anyday's merchant terms state that transaction fees are not repaid to the merchant when an order is refunded, whatever the reason. The fee is therefore charged on captured turnover, not on the turnover you keep, and the rate that matters is the fee divided by kept turnover.

Take the same 1,000,000 euro of captured Anyday turnover and an illustrative return rate of 20%. The fee is 39,500 euro, of which 7,900 euro sits on orders that came back. On the 800,000 euro you keep, the effective rate is 4.94% rather than 3.95%. On Premium the same sum gives 7,500 euro on returns and 4.69% on kept turnover. The example is illustrative, and your quoted rate decides what you actually pay.

For a category with high returns this is the figure to put next to a card rate, and it should be measured per category rather than across the whole shop. An item that will not ship belongs in a cancellation of the reservation, not in a capture followed by a refund.

Directive (EU) 2023/2225 applies from 20 November 2026. Anyday states that from that date Danish businesses acting as credit intermediaries or credit providers must register with Finanstilsynet, and that this does not apply to its merchants in connection with Anyday, because Anyday is the credit intermediary and handles the credit assessment and the credit agreement.

Anyday adds that any other financing a merchant offers must be assessed separately. A shop that runs its own instalment plan or invoice credit next to Anyday falls outside that answer. Ask Anyday to confirm its role as credit intermediary in your agreement, and assess your other financing on its own terms.

What you pay for Anyday is set in your agreement with Anyday and your PSP, not by a scheme. Start by establishing whether you are overpaying your PSP, and if Anyday carries a material share of your Danish volume, measure its fee against the turnover you keep before you choose between the basic plan and Premium.

Relevant markets: Denmark