PIN,JO - It's all about Payments

About Us

PIN,JO is an independent advisory organization specialized in Nordic Retail Payments and Merchant Service markets.

 Our strength is based on long term market knowledge and up to date market information. Through PIN,JO you can reach a wide network of specialists within different areas of payments (Regulation, Compliance, Solution Design & Architecture etc.)

Advisory Services


We provide knowledge and accurate data to our clients and help them to make right decisions and actions at right time.   Nordic Retail Payments (C2B) is our expertise area. This covers all channels and all payment methods. We deliver insight-led assignments to help our clients with their business decisions. This include everything from board level company strategies, due diligence processes to go to market models and competitor analysis.

Typical assignments for us are:

  • Payment Optimization
  • Market Studies
  • Go to Market Strategies
    • Distribution and pricing models
    • Sales planning and Sales Funnel development
    •  Sales and Product Management Services
  • Business Plans
  • Business Case calculations
  • Strategy work
Through PIN,JO you can reach a wide network of specialists within different areas of payments (Regulation, Compliance, Solution Design & Architecture etc.)

Payment Optimization Concept 


PIN,JO's Payment optimization concept help our clients:

1. Increase Sales with right payment method portfolio and payment services.

2. Optimize costs of payments by helping them to choose right service providers and by supporting their procurement & agreement negotiations.

3. Increase efficiency by leaning internal processes related to payments.


Ask more and contact Us