Swish is a hugely popular payment method in Sweden, allowing users to make payments using their bank account. Payments are authorised quickly and easily within the user’s Swish mobile application, providing a hassle-free and secure payment experience.
User Experience
On Desktop:
1. At the online checkout, the customer chooses either to:
(a) Open the Swish app on their mobile device and scan the QR code
(b) Provide their mobile phone number to receive a prompt on their mobile device to open the Swish app
2. The checkout page waits for the customer to authorise the payment within their Swish app:
3. Once authorised, the customer is then authenticated via their BankID app
4. The payment result is then displayed (success or failure)
On Mobile:
1. At the online checkout, the customer enters their information and taps ‘Open the Swish app’ to launch the Swish app on their device:
2. The customer authorises the payment within their Swish app
3. Once authorised, the customer is then authenticated via their BankID app
4. The payment result is then displayed (success or failure)
Details
Payment method type: Synchronous - payments are confirmed immediately
Refunds: Supports partial and full refunds
Recurring payments: Not supported
Pre-authorizations: Not supported
Restricted MCC: All Merchant Categories are eligible to have Swish activated
Μerchant countries: Sweden
Customer countries: Sweden
Pricing: Please refer to our pricing page under the main navigation for more information.
Settlement: Customer payments via Swish will be deposited to the merchant’s bank account (not their Viva account)
Cross-currency payments: Not supported
Additional notes: Swish is available through Quick Pay, for payment orders with the
disableExactAmountparameter set to ‘true’ and through Payment Notifications
How to activate Swish
Merchants need to have a Swish-supporting Swedish bank account.
Activation of the Swish payment method is initiated by the Merchant. Viva is then informed for the merchant’s readiness by Swish. Please see the process below:
The merchant informs their Swedish Bank of choice that they want to enable the payment method: ‘Swish Handel’ with technical supplier: ‘viva.com’
An agreement will be signed between the merchant and the merchant’s bank
The merchant’s bank will then contact Swish to continue the process on their side
Upon conclusion, a mail will be sent to Viva from Swish, to inform about the merchant’s readiness and any necessary information
Viva will then activate the payment method for the merchant
Get Support
If you would like to integrate with Viva, or if you have any queries about our products and solutions, all you need to do is log in to your viva.com account, select "Talk to us" from the menu, and connect with viva.com's specialized chatbot for immediate, personalized, and fast support.