Borga documentation
One API for card payments, Apple Pay, Google Pay and bank invoices in Iceland, with a legal invoice booked in your accounting system for every sale.
Borga is a payments platform built for Icelandic businesses. You integrate one REST API and get card payments, digital wallets, bank invoices (krafa paid in the payer's online banking), subscriptions and usage-based billing. Every completed sale is mirrored as a compliant sales invoice in PayDay.is or DK+, so your books stay current without a second system.
Prices are quoted in whole krónur: an amount of 1990 charges 1.990 kr. Other currencies use their smallest unit. Merchants are Icelandic companies and individuals trading in their own name; see Go live.
Build your first integration
Create a test payment in five minutes with the Node SDK or curl.
Redirect the payer to checkout.borga.is. No card data on your servers.
Open the same checkout as a modal on your own page with borga.js.
Fulfil orders from signed payment.succeeded events, not from redirects.
Recurring billing with trials, seats, retries and bank-invoice collection.
Meter events, include free units, price by tier.
What Borga handles
| You | Borga |
|---|---|
| Create a payment session when a customer wants to pay | Hosts the checkout, runs 3-D Secure, Apple Pay and Google Pay |
| Redirect the payer, or open the embedded modal | Collects card details inside the processor's PCI boundary |
| Listen for webhooks and fulfil the order | Books a legal invoice in PayDay or DK+, line for line at the right VAT rate, and issues credit notes on refunds |
| Define products, prices and meters | Runs the billing cycle, retries failed charges, sends bank invoices |
| Report usage events | Aggregates usage and prices it per tier at period end |
Payment methods
| Method | Availability | Notes |
|---|---|---|
| Visa, Mastercard | Hosted and embedded | 3-D Secure handled by Borga |
| Apple Pay, Google Pay | Hosted and embedded | Billed at the card rate |
| Bank invoice (krafa) | Hosted only | Appears in the payer's netbanki. Requires a connected PayDay account. See Bank invoices. |
Pricing
Rates are per transaction and exclusive of VAT. There is no minimum fee, and no fee on refunds.
| Card type | Rate |
|---|---|
| Consumer card, EU/EEA | 2.1% + 10 kr. |
| Business card, EU/EEA | 3.1% + 10 kr. |
| Card issued outside the EU | 4.6% + 10 kr. |
| Bank invoice (krafa) | 1.0% + bank fees at cost |
SDKs and tooling
- @borga/node for servers: typed client, automatic retries and idempotency keys, webhook verification. See SDKs.
- borga.js for browsers:
https://js.borga.is/v1/borga.jsopens embedded checkout. See Embedded checkout. - AI coding assistants: point them at /llms.txt or the single-file /llms-full.txt. See AI assistants.