If you need target Germany or Nordic countries, checkout Klarna https://klarna.com/en/business They have ok APIs, although they are e-commerce focused. They also just got a whopping 155 million dollar investment from DST and earlier investment round is from Sequoia. I'd expect them to open up in new countries soon. http://www.arcticstartup.com/2011/12/09/klarna-receives-155-...
Hopefully they'll be able to afford a webdesigner.
Their site would neither tell me if they're available in my country nor could I find any pricing information whatsoever. Instead I was left with motion sickness due to all the flickering and bouncing...