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Documentation Index

Fetch the complete documentation index at: https://docs.borga.is/llms.txt

Use this file to discover all available pages before exploring further.

Borga is a unified payments, invoicing, and subscriptions platform built specifically for Iceland. Through a single REST API you can accept Visa, Mastercard, Apple Pay, Google Pay, and bank invoices (krafa) in ISK — and every payment automatically generates a legally compliant invoice through PayDay.is. Whether you are building a simple checkout, a subscription service, or a fully white-labelled payment flow, Borga handles the compliance and currency complexity so you can focus on your product.

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What you get

Unified payments

Accept Visa, Mastercard, Apple Pay, Google Pay, and bank invoices through one API. No separate gateways or contracts.

Legal invoicing

Every payment triggers an automatic, VAT-compliant invoice through PayDay.is. Your accounting stays current without extra work.

Subscriptions

Bill customers on a recurring schedule with support for trials, proration, seat-based billing, and usage-based pricing.

Hosted checkout

Redirect customers to a Borga-hosted payment page. PCI scope stays with Borga — you never touch raw card data.

Kenni.is login

Let customers authenticate with their Icelandic digital identity through Kenni.is for a seamless, verified checkout experience.

Developer-first

Predictable REST API, idempotent requests, versioned endpoints, and detailed error messages designed for fast integration.

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Pricing

All rates are exclusive of VAT. Apple Pay and Google Pay transactions are billed at the applicable card rate.
Payment methodRateNotes
Card — EU/EEA consumer2.1% + 10 krVisa and Mastercard consumer cards issued in the EU/EEA
Card — business or non-EUHigher rateContact Borga for pricing on business cards and non-EU issuers
Bank invoice (krafa)1.0% + bank feesBank fees passed through at cost
Start with test mode to build and verify your integration before applying for live access. Test keys (sk_test_…) make no real charges and are free to use.

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Next steps

Quick start

Get your API keys, create a test payment, and verify the response — all in a few minutes.