The PAN-Nordic Card Association is an industry association with the mission to promote payment card solutions in the Nordics and to be a dedicated representative voice for the card payments industry:

  • to actively promote payment card solutions in the Nordics,
  • to be a Nordic voice for the card payment industry,
  • to support continued development of the international and Nordic payment card market,
  • to promote Nordic card payment interests in Europe and
  • to acts as a member forum to coordinate and cooperate on non-competitive payment card aspects.



Our members are Nordic banks and financial institutions that operate payment cards as issuers or acquirers. We welcome new members who want to participate in our work to promote the use of card-based payments in the Nordic region. If you are a card issuer or card acquirer and have a license with a card organization and want to establish yourself in the Nordic market, contact MD Michael Hoffmann, telephone +45 40 99 5000, e-mail:

Managing Director & CEO of the PAN-Nordic Card Association


Michael Hoffman
PNA Card Service AB

Card Payment Sweden (CPS) and Card Payment Denmark (CPD), which are members of the PAN-Nordic Card Association (PNC), are industry associations for banks and financial institutions that work in the Swedish and Danish markets for card payments, respectively. These three organizations have a common service company called PNA Card Service. Michael Hoffmann, CEO of PNA Card Service AB is also CEO of PAN-Nordic Card Association, Card Payment Sweden, and Card Payment Denmark.

Board of the Pan-Nordic Card Association

Johan Lagerström
Chairman of the Board, Swedbank

Torbjörn Furubjelke
Vice Chairman of the Board, Nordea

Kasper Sylvest Olsen
Vice Chairman of the Board, Danske Bank

Per Harald Fredriksen

Niels Bodewes

Martin Zillen

Cecilie Nygren
SEB Kort

Christina Örn
Representing Card Payment Sweden

Linda Elfving

Geir Bonde

Kirsi Klepp
Finance Finland

Rasmus Poulsen
Representing Card Payment Denmark

Michael Hoffmann
PNA Card Service AB


PAN-Nordic Card Association
c/o PNA Card Service AB
Stortorget 13 B
S-211 22 Malmö Sweden

+46 40 250778


The Administration

Michael Hoffmann
+46 (0) 40 25 07 73


Daniel Petersson

+46 (0) 40 25 07 71


Lisbeth Sjøl

+46 (0) 40 25 07 74


Niels Skammelsen

+46 (0) 40 25 07 76


Michael Arnth Falsig

+46 (0) 40 25 07 72

Banks, Payment Institutions and Banking Associations that are PNC Members

Nordea Bank


Danske Bank



SEB Kort

Card Payment Sweden


Card Payment Denmark

Finance Finland

PNA Card Service AB
Stortorget 13 B
S-211 22 Malmö

+46 40 250778