About Settle – Say hello to Settle®

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Settle - the best way to pay

The cashless society is the way of the future. Settle is a leading mobile payments solution that empowers consumers and merchants to use their mobile phone to pay, or accept payments anywhere, anytime with just a mobile number.

Like it or not, money plays a big role in everyone’s life. Yet paying and getting paid - i.e. using money, remains complicated, with the inconvenience and lack of safety with cash handling.

With Settle, users can send and receive money securely and instantly, enabling them to better understand, manage and handle their money digitally. It is available to download and use now and is completely platform agnostic regardless of smartphone device, bank or telco.

Settle's vision is to digitise money and make it universally available to everyone.

Founded by Nordic pioneer, Auka

Settle was founded in 2018 and created and developed by Oslo-based mobile payments pioneer, Auka.

Auka has spent almost a decade developing a world-class financial services platform. The Norwegian company developed the first mobile payments platform in the Nordics (mCASH) and launched the first mobile payments solution in Norway, impacting the lives of millions of people and helping to fundamentally change the way people pay and get paid in Scandinavia. Now, Auka with Settle, is on a mission to make it easier than ever for people and businesses to pay and get paid all over Europe.

Auka is backed by a top-heavy board of directors with experience from MasterCard, Entreé Capital, Point Group, Nets and McKinsey.

JCC Payment Systems

JCC Payment Systems is Cyprus’ market leader in payment-processing technologies and financial solutions for merchants and financial institutions. It has been supporting businesses in accepting electronic payments from multiple sales channels for 30 years, following the decision of the major Cyprus’ banking institutions to collaborate for the purpose of administering the processing and settlement of card transactions. Today, JCC is considered the trusted service provider of choice for all financial technology requirements ranging from fraud prevention, card personalisation and ATM management, to hosting and business continuity services.


Auka, the creator of Settle, holds an electronic money license issued by the Financial Supervisory Authority of Norway. Auka is licensed to provide its products and services throughout the European Union. Auka has passported its license throughout the European Union and so may operate, offer our products and services in every EU jurisdiction. Auka adheres to the Payment Card Industry Data Security Standards and maintains its highest certification, Level 1. Auka protects users data and confidentiality and adheres to the General Data Protection Regulation. Settle is secure.