OneSettle

OneSettle: What You Need To Know Before You Integrate

If you are comparing Nordic and EU payment providers, OneSettle is a name you will encounter. OneSettle positions itself as a payment management company that provides card payments and invoice solutions, with operations standardized for EU and EEA requirements.

What Is OneSettle

OneSettle describes itself as a complete payment provider offering both card payments and invoicing while managing the full billing process. It is an e-money company licensed by the Norwegian Financial Supervisory Authority and is a subsidiary of WTW Holding AS. According to its site, WTW has customers in Norway, Sweden, and Denmark and is expanding. You also see broad positioning around EU standardization of regulatory requirements and standardized solutions for the EU and EEA.

Who Should Consider OneSettle

You may find OneSettle relevant if you fit one or more of these profiles:

• You operate in the Nordics and want a provider that states EU and EEA regulatory standardization.

• You need one vendor to handle card payments and invoicing, with the billing workflow managed end to end.

• You sell online and in person and prefer a single provider that offers an e-commerce payment window and POS terminals.

• You work in or around health services and require structured invoice handling for patients or clients.

Payment Capabilities And Channels

Card Payments For E-Commerce

For online payments, OneSettle offers a PCI DSS compliant payment window. You can integrate it as a full redirect or embed it in your checkout page as an iframe element. The content of the embedded elements is isolated from your page, and cardholder data is encrypted in the shopper’s browser. Because the encryption and decryption are handled by the provider, you do not receive decryption keys or access unencrypted cardholder data. OneSettle notes that the payment window can also be accessed through approved third-party systems that are already integrated with OneSettle.

Point Of Sale Terminals

For in-person payments, OneSettle states that its POS terminals provide end-to-end encryption between the terminal and the cardholder data environment. This design is intended to reduce your PCI scope because your systems do not receive card data in unencrypted form. As with any terminal deployment, you are responsible for physical security and routine inspection to detect tampering. OneSettle indicates that terminals receive automatic upgrades and patches, and you are expected to ensure internet connectivity so updates can complete successfully.

Invoicing And Billing

Beyond card acceptance, OneSettle highlights invoice processing and billing management as part of its service. The company states that it processes invoices for health service providers such as doctors and other specialists. If a consumer has received an invoice that references OneSettle, the invoice should include payment details and guidance. OneSettle also references scenarios where a recipient may see a Vipps invoice, which can be reviewed directly in Vipps; this is framed as customer guidance rather than a public feature list for merchants.

Geography And Market Coverage

OneSettle frames its solutions as standardized for the EU and EEA. The broader WTW group lists current customers in Norway, Sweden, and Denmark and ongoing expansion. If you target those markets and plan for EU growth, this footprint may be relevant. If you require acceptance or settlement outside the EU and EEA, you will need to validate coverage with OneSettle directly because no public country list or multi-currency matrix is published.

Security And Compliance

PCI DSS

OneSettle states it is a PCI DSS-certified Service Provider with annual assessments performed by an independent Qualified Security Assessor. Its documentation clarifies scope boundaries: OneSettle is responsible for cardholder data security once it receives data via the relevant interface while you remain responsible for security before the data reaches the provider. Depending on transaction volumes, you may be asked to complete a Self-Assessment Questionnaire.

Regulatory Status

OneSettle states it is licensed as an e-money company by the Norwegian Financial Supervisory Authority. The site prominently links to the supervisor and provides the company’s organization number and legal address in Trondheim, Norway. The regulator’s framework applies to e-money institutions operating in Norway and, by extension, to activities within the EEA under applicable rules. For governance and recourse, the site also links to an EU “Customer rights” resource.

Integration And Technical Model

OneSettle’s public materials focus on two implementation patterns for online payments:

• Redirect payment window that takes the shopper to a hosted page.

• Embedded iframe that renders hosted payment elements on your page.

The iframe approach reduces your exposure to card data by isolating the payment content from your code. If you integrate through an approved third-party platform that already connects to OneSettle, PCI coordination is expected between the provider and that third party. There is no public API documentation, SDK list, or sandbox reference on the site. If you need a specific integration model, you will need to contact OneSettle for technical documentation and partner lists.

Onboarding, Settlement, And Reporting

The site does not publish specific onboarding steps, settlement timelines, or report formats. It does indicate that OneSettle manages the full billing process and handles cash flows as a licensed e-money institution. If you require defined settlement windows, funding currencies, reconciliation file formats, or payment operations SLAs, you should request them directly from the provider as part of due diligence.

Support, Complaints, And Company Details

OneSettle lists a contact form, a Trondheim office address, and a phone number. It also provides a dedicated complaints page that outlines how to submit a complaint, expected confirmation, and handling steps. Company identifiers are published on the site, including the organization number for OneSettle AS and the parent company WTW Holding AS. A privacy policy and a sustainability statement are available for review.

Strengths

• Hosted payment window for e-commerce with redirect or iframe integration.

• POS terminals with end-to-end encryption to minimize PCI scope.

• PCI DSS Service Provider certification with annual QSA assessments.

• Licensed e-money institution under the Norwegian Financial Supervisory Authority.

• Stated ability to manage invoicing and the overall billing process, with explicit guidance for invoice recipients.

• Positioning around EU and EEA regulatory standardization.