swish

Swish is Sweden's mobile payment method that allows customers to pay quickly via their smartphone. Would you like to accept Swish in your webshop? Discover how it works and which providers support it.

Would you like to accept Swish?

Make it easy for yourself: quickly find the right payment provider to offer Swish in your checkout.

Swish was launched in Sweden in 2012 as a joint project between major Swedish banks and Bankgirot (the national payment network), with support from the Swedish central bank.

What started as a peer-to-peer payment solution quickly grew into a national standard. Swish now has more than 8 million active users out of a population of over 10 million — an impressive adoption rate.

Swish is mainly used for mobile payments, both online and in physical stores, and is deeply integrated into the daily lives of Swedish consumers. The payment method only works in Sweden and requires a Swedish mobile number and a bank account with a participating bank.

Swish is the most widely used mobile payment method in Sweden. Customers link their bank account to the Swish app and pay easily using their mobile number or a QR code. Swish works in real time, with instant confirmation and no need for cards or passwords.

For online shops, offering Swish is a smart move if you are targeting the Swedish market. It is fast, secure and fully established among Swedish consumers.

The costs for Swish transactions are usually between 1% and 2% of the purchase amount, depending on your Payment Service Provider, volume and industry. In some cases, a fixed amount per transaction applies. Swish is generally slightly cheaper than credit cards, but more expensive than, for example, a SEPA payment. Compare Payment Service Providers that support Swish and request quotes directly.

Swish can be easily integrated via Payment Service Providers operating in Scandinavia, such asMollie, Adyen andAltapayMany PSPs offer ready-made integrations for WooCommerce, Shopify, Magento and APIs for custom platforms. Swish works well with other popular methods such as Klarna, iDEAL and Apple Pay, allowing you to offer a complete and flexible checkout experience.

Swish is supported by PSPs that specialise in the Scandinavian market. These include providers such as Adyen, Mollie, Altapay and other parties with strong coverage in Sweden. Use thefree provider selector to discover which PSPs support Swish and suit your platform, volume and integration needs. You can request (customised) quotes immediately.

Advantages:

1. Widely used in Sweden
Swish is Sweden's payment method. Almost every Swede with a smartphone uses Swish — making it a must-have payment option for webshops targeting the Swedish market.

2. Lightning-fast mobile payments
Customers pay with a few taps on their phone. The payment is real-time, with no intermediate steps. This ensures a smooth checkout, especially on mobile, and reduces the chance of abandonment.

3. Immediate confirmation and fast processing
Once the payment via Swish has been completed, you will immediately see the confirmation in your webshop. This allows you to process orders faster and start deliveries sooner.

Disadvantages:

1. Only suitable for Swedish consumers
Swish only works for customers with a Swedish bank account and mobile phone number. This option is therefore not available to international customers.

2. Not supported by all PSPs by default
Swish is less widely integrated with international Payment Service Providers. You may therefore need a more specialised PSP, especially if you want to combine Swish with methods such as Bancomat Pay (Italy) or TWINT (Switzerland).

3. Less well known outside Sweden
Although Swish is very popular in Sweden, the rest of Europe is largely unfamiliar with the method. This also means that support, documentation and plug-ins are sometimes limited in other languages or systems.

Would you like to offer Swish as a payment method in your webshop? Choose the Payment Service Provider that best suits your business.

It makes sense that you want to combine Swish with other popular methods for maximum payment convenience and conversion. Decide which ones you need for your target group and target markets. On our platform, you will find detailed information about, among other thingsiDEAL, PayPal, Bancontact andKlarnaAre you active in specific countries? Then take a look at all the frequently usedPayment methods per country or learn more about differente-commerce markets and discover more about online payment behaviour.

This payment method is part of the categorymobile payment, where you can also read more about alternatives such asVipps (Norway),MobilePay (Denmark, Finland) andTWINT (Switzerland).

No, Swish is only available to customers with a Swedish bank account and mobile phone number. It is therefore particularly interesting for webshops that focus on the Swedish market.

No, Swish is usually arranged through your Payment Service Provider. They take care of the technical connection and contractual agreements. This means you don't need to enter into an agreement with Swish directly.

In most cases, yes. Swish is closely linked to the Swedish banking system and usually requires cooperation with a local Swedish bank. Some payment service providers offer a workaround via local partners, but this is still the exception rather than the rule. Are you targeting Sweden? Then a local entity or presence is definitely an advantage.

Discover which Payment Service Providers can help you without a local Swedish entity

Swish is primarily intended for one-off payments. Recurring or direct debit payments are not possible as standard. For subscriptions, it is better to look at alternatives such as SEPA direct debit or credit cards.

Yes, Swish uses BankID for verification, a secure identification method in Sweden. This ensures a reliable and fraud-proof payment flow.

Swish transactions are always processed in Swedish kronor (SEK). Depending on your Payment Service Provider, payouts may be made in SEK or converted to euros or another currency, usually at an additional cost or currency margin.

Swish payments are processed in real time. The payment is confirmed immediately and the money is usually paid out within one working day, depending on your Payment Service Provider and payout frequency.