Surfboard Payments Launches Tap to Pay on iPhone in Finland

Surfboard Payments, a leading Swedish paytech company, has announced the launch of Tap to Pay on iPhone for merchants in Finland.

This new feature enables businesses to accept contactless in-person payments using only an iPhone and the CheckoutX app, with no additional hardware required.

No Extra Hardware. Just iPhone.

Tap to Pay on iPhone supports all major contactless payment methods, including:

• Contactless credit and debit cards
• Apple Pay
• Other digital wallets

The process is simple: customers hold their contactless payment method near the merchant’s iPhone, and the transaction is securely completed using built-in NFC technology. The solution also supports PIN entry and accessibility features, ensuring a secure and inclusive payment experience.

Apple’s Tap to Pay technology ensures data privacy and security. Card numbers and transaction details are never stored on Apple servers, helping businesses maintain customer trust while streamlining their checkout process.

Empowering Finnish Merchants with Instant Contactless Acceptance

With Surfboard Payments’ CheckoutX app, businesses can start accepting contactless payments within minutes on an iPhone XS or newer running the latest iOS. This launch simplifies payment acceptance for Finnish merchants, from high-end boutiques to quick-service outlets.

We are excited to roll out Tap to Pay on iPhone in Finland, a market that values both premium experiences and efficient service. This breakthrough enhances luxury shopping experiences and helps reduce queues in busy retail environments. Finnish merchants now have access to a secure, seamless solution tailored to their dynamic market.

said Tim Lundqvist, Chief Operating Officer at Surfboard Payments.

The Company Behind the Innovation

Headquartered in Stockholm, Sweden, with a second office in Chennai, India, Surfboard Payments delivers a cloud-based, white-label payment platform for both in-person and online transactions. The company enables ISVs and partners to become complete payment hubs with a single API supporting cards, local schemes, and contactless methods.

Key product offerings include:

• Tap to Pay on iPhone: Hardware-free contactless payments via iPhone and the CheckoutX app
• SurfTouch & SurfPrint: Android smart terminals for mobile merchants and restaurants
• SurfPad: Standalone card reader for high-volume transactions
• SurfAlone & SurfXpress: Unattended terminals for self-service, including vending, EV charging, and transport
• CheckoutOnline: Embeddable or hosted online checkout solution

Surfboard Payments is PCI DSS certified and operates under Sweden’s Financial Supervisory Authority, ensuring compliance, security, and control across its platform. Through strategic partnerships like its alliance with Worldline, Surfboard enhances its Nordic presence with advanced acquiring and fraud prevention capabilities.

Founder with a Vision

Christopher Lindfeldt, Founder and CEO of Surfboard Payments, established the company in 2018 with a mission to simplify and modernise payments. Previously the Executive Director at Bambora and Founder of Mobile Payment Solutions AB, Lindfeldt has long championed the shift toward software-based, hardware-light payment solutions.

His vision for Surfboard was shaped by decades of experience in the payments industry and a desire to give merchants more flexible, secure, and scalable tools. Lindfeldt emphasised building a lean, globally distributed team, developing proprietary technology and securing key certifications to remain agile and future-proof.

Software is the future of payments. We founded Surfboard Payments to lead that transformation — enabling merchants to accept payments anywhere, with fewer dependencies, and better customer experiences.

says Lindfeldt.

From his early days in Sweden to global expansion across the Nordics and beyond, Lindfeldt continues to drive the company’s innovation-first approach, empowering merchants with next-generation payment solutions.

The People Behind the Platform

At the heart of Surfboard Payments is a dedicated, cross-functional team of around 50 professionals spanning Stockholm, Chennai, and remote locations. This diverse group brings together deep expertise in payments, technology, and business operations, all committed to delivering agile, cloud-based payment solutions.

The company fosters a culture of innovation, collaboration, and continuous learning, working closely with partners and clients to develop forward-thinking payment experiences tailored to a rapidly evolving landscape.

Leadership Team

• Christopher Lindfeldt – Founder & CEO: Driving Surfboard’s long-term vision and product innovation
• Thomas Nilsson – CFO/COO: Managing financial operations and business strategy
• Neal Hindocha – CIO/CSO: Overseeing information and security strategy
• Abraham Asaph – CTO: Leading technology development and platform architecture
• Martin Blomqvist – CXO: Focused on customer experience and engagement
• Tim Lundqvist – Head of Growth: Spearheading expansion and strategic partnerships

The leadership team works hand-in-hand to ensure strategic alignment and support company-wide initiatives that enhance the customer journey.

Software Development Team

Based largely in Chennai, Surfboard’s development team specialises in building seamless, interactive web and mobile payment experiences. Developers like Abhishek Mohan A, Abin Paul, Askin John Samuel, Aswinraj A, and others are instrumental in powering Surfboard’s proprietary platform that supports dynamic merchant needs while integrating marketing and analytics tools.

Board of Directors

In 2023, Daniel Nordholm, a seasoned executive with a strong background at Worldline, Bambora, Ingenico, and VeriFone, joined Surfboard Payments’ board to support its strategic growth and product innovation roadmap.

A Unified Payment Ecosystem

Surfboard Payments offers more than just mobile payments — it’s a comprehensive, unified platform that seamlessly integrates physical and online payment methods. Whether it’s a micro-merchant tapping an iPhone or a vending machine processing transit cards, the system delivers secure, fast, and cost-efficient transactions.

To learn more or get started, download CheckoutX from the App Store and enable Tap to Pay on your iPhone today. Discover how Surfboard is helping reshape the way the world pays.