Swish is a hugely popular payment method in Sweden, allowing users to make payments using their bank account. Payments are authorized quickly and easily within the user’s Swish mobile application, providing a hassle-free and secure payment experience.
➡️ Key benefits of offering Swish as a payment method are:
Ease of use: Simple and fast checkout for Swedish citizens
High market penetration: 86% of the Swedish population uses Swish
Enhanced security: authentication is handled by the BankID app
User 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 authorize the payment within their Swish app.
3. Once authorized, 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 authorizes the payment within their Swish app
3. Once authorized, 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. You can find more information by visiting developer.viva.com. From the left-hand menu, select Tutorials → Payments → Issue a refund.
Recurring payments: Not supported
Pre-authorizations: Not supported
0% Cashback: Not supported
MOTO: Not supported
Cancellation: Supports cancellation
Disputes: Not supported
DCC: Not supported
Surcharge: Not supported
Tipping: Not supported
Installments: Not supported
Tokenization: No
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. You can find the Pricing page by visiting Viva.com, scrolling to the bottom of the page and selecting Pricing under Resources.
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.
The Merchant initiates activation of the Swish payment method. Swish then informs Viva of the merchant’s readiness. 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