> ## 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: Payments & Invoicing API for Iceland

> Borga is an ISK-native REST API for Icelandic businesses. Accept card payments, digital wallets, and bank invoices — with automatic legal invoicing on every transaction.

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.

## What you get

<CardGroup cols={3}>
  <Card title="Unified payments" icon="circle-dollar-to-slot" href="/concepts/payments">
    Accept Visa, Mastercard, Apple Pay, Google Pay, and bank invoices through one API. No separate gateways or contracts.
  </Card>

  <Card title="Legal invoicing" icon="file-invoice" href="/concepts/invoicing">
    Every payment triggers an automatic, VAT-compliant invoice through PayDay.is. Your accounting stays current without extra work.
  </Card>

  <Card title="Subscriptions" icon="arrows-rotate" href="/concepts/subscriptions">
    Bill customers on a recurring schedule with support for trials, proration, seat-based billing, and usage-based pricing.
  </Card>

  <Card title="Hosted checkout" icon="window-maximize" href="/guides/hosted-checkout">
    Redirect customers to a Borga-hosted payment page. PCI scope stays with Borga — you never touch raw card data.
  </Card>

  <Card title="Kenni.is login" icon="id-card" href="/quickstart">
    Let customers authenticate with their Icelandic digital identity through Kenni.is for a seamless, verified checkout experience.
  </Card>

  <Card title="Developer-first" icon="code" href="/api-reference/overview">
    Predictable REST API, idempotent requests, versioned endpoints, and detailed error messages designed for fast integration.
  </Card>
</CardGroup>

## Pricing

All rates are exclusive of VAT. Apple Pay and Google Pay transactions are billed at the applicable card rate.

| Payment method            | Rate             | Notes                                                          |
| ------------------------- | ---------------- | -------------------------------------------------------------- |
| Card — EU/EEA consumer    | 2.1% + 10 kr     | Visa and Mastercard consumer cards issued in the EU/EEA        |
| Card — business or non-EU | Higher rate      | Contact Borga for pricing on business cards and non-EU issuers |
| Bank invoice (krafa)      | 1.0% + bank fees | Bank fees passed through at cost                               |

<Tip>
  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.
</Tip>

## Next steps

<Card title="Quick start" icon="rocket" href="/quickstart">
  Get your API keys, create a test payment, and verify the response — all in a few minutes.
</Card>