No, Surfpay does not cost anything if you don't use the app to process payments. There are no monthly fees or fixed charges associated with the app. You only pay a fee of 1.29% per transaction (minimum 0.99 SEK) when you actually use the app to accept payments. This makes Surfpay a cost-effective solution for small business owners and entrepreneurs who want flexibility without paying for services they do not use.
However, if you order a physical terminal, called Surfpay One, you will need to pay for the terminal if it is not used and/or if your turnover is below 40,000 SEK per month. Creating an account and using Surfpay on your mobile is completely free if no transactions are made.