Swish is a single-use payment method used in Sweden. It allows customers to authenticate and approve payments using the Swish mobile app and the Swedish BankID mobile app.
You get immediate notification on whether the payment succeeded or failed.
Customer locations
Sweden
Presentment currency
SEK
Payment confirmation
Customer-initiated
Payment method family
Real-time payments
Recurring payments
No
Payout timing
Standard payout timing applies
Connect support
Dispute support
No
Manual capture support
No
Refunds / Partial refunds
Legal terms
Swish terms apply, including the factoring addendum
Interested in getting access to Swish?
Enter your email to request access.
Payment flows
The customer follows a mobile redirect flow to pay with Swish.
Customers pay with Swish by using one of the following methods:
Mobile: Customers follow a mobile redirect from your website or mobile app to the Swish app, where they authorize the payment, then return to your website or mobile app.
Desktop: Customers scan a QR code you present on your website using the Swish app, which allows them to authorize the payment.
Get started
Learn how to manually configure Swish as a payment method.
You don’t have to integrate Swish and other payment methods individually. If you use our front-end products, Stripe automatically determines the most relevant payment methods to display. Go to the Stripe Dashboard and enable Swish. To get started with one of our hosted UIs, follow a quickstart:
Other payment products
The following Stripe products also let you add Swish from the Dashboard:
Merchant of record
For Swish payments, Stripe operates as the merchant of record. Therefore, Stripe’s name appears as the recipient of payments in the Swish app and as the statement descriptor in the customer’s bank statements. Your business name appears in the message field in the Swish app. The factoring addendum in the Swish terms applies.
Prohibited business categories
In addition to the industry and business categories listed in Prohibited and Restricted Businesses, the following categories aren’t allowed to use Swish:
- Wine producers
- Champagne producers
- Alcoholic beverage wholesalers
- Package Stores - Beer, Wine, and Liquor
- Pawn Shops and Salvage Yards
- Art Dealers and Galleries
- Real Estate Agents and Managers: Rentals
- Legal Services and Attorneys
- Precious stones and metals, watches and jewelry
- Digital wallet top-ups
For more information about Swish eligibility for your account, go to your Payment methods settings.
Refunds
You can refund Swish charges up to 365 days after the payment completes. Refunds usually take a few minutes to complete. Swish supports full and partial refunds. You can also issue multiple partial refunds up to the amount of the original charge.
Connect
You can use Stripe Connect with Swish to process payments on behalf of a connected account. Connect users can use Swish with the following charge types:
