1. Information
Swish is the mobile payment solution of Sweden, with more than 8 million users out of a population of 10 million. Thanks to a direct link to the bank account, Swish is fast, secure and hugely popular – both among consumers and merchants.
The customer only needs to enter their phone number and confirms the payment in the Swish app. The payment appears almost immediately in your account balance.
| Category | Wallet payments |
|---|---|
| Market | Sweden |
| Share | >8 million users, >250,000 merchants |
| Currency | SEK |
| Refund | Full, partial & multiple up to 100% of the order amount |
| Clearing | via PAY. |
| Payment option ID |
3837 |
2. Participating Banks
Swish is a collaboration between the Swedish central bank and nearly all major commercial banks in Sweden. Every bank customer can activate Swish via their mobile banking app. Supported banks include:
- Swedbank
- Handelsbanken
- SEB
- Nordea
- Danske Bank
- Skandia
- Länsförsäkringar
- Sparbanken Syd
- ICA Banken
- Forex Bank
- And other regional and digital banks
3. Payment & Activation
A customer pays with Swish by entering their mobile number and confirming the payment in the Swish app. PAY. then calls the exchangeUrl and sets the order to Paid; the amount appears almost immediately in your account balance.
Activation
- Log in to the Admin Panel and go to Manage → Sales Locations.
- At the desired location, click Change.
- Scroll to Payment Options and select Swish.
- Click again on Change at the bottom.
Prefer to work via code? Activate Swish via our Transaction API or one of the SDKs.
Payout Speed
Curious about your payout speed? You can easily check this via Merchant » Rates.
| How does my customer pay? | The customer enters their mobile number, receives a push notification in the Swish app, and confirms the payment. The transaction is real-time. |
|---|---|
| Do I need a separate Swish contract? | No. PAY. concludes the acquiring contract; you simply activate Swish in the Admin Panel. |
| Can I refund a payment? | Yes. Full, partial, or multiple via Transactions → Refund . |
| Are chargebacks possible? | No, Swish transactions are final. Disputes are handled through the consumer's bank. |
| Which currencies does Swish support? | Only Swedish krona (SEK). |
| What are the limits for the consumer? | Standard limit €1,000/day, adjustable by the consumer themselves in the app or via the bank. |
| Is surcharging allowed? | No, passing on costs to Swish payments is not permitted. |
| Can I use Swish for subscriptions? | No, recurring payments are not yet supported. |
| Can I show Swish outside Sweden? | Yes, provided you accept SEK; the payer must have a Swedish bank account and the Swish app. |
5. Images
If you want to display the Swish logo on your page, you can use the images below.
PNG icon SVG icon
HTTP Request
PNG https://static.pay.nl/payment_profile_brands/100x100/372.png
SVG https://static.pay.nl/payment_profile_brands/100x100/372.svg