Get to know Swish as a payment solution for your webshop and create a localized checkout experience for Swedish customers.
Swish is a mobile payment solution that enables real-time money transfers between individuals, businesses, and organizations in Sweden. It is owned and operated by Getswish AB and was developed through a collaboration between Sweden’s largest banks.
Swish has quickly gained widespread adoption - especially within private consumption and e-commerce. For Swedish consumers, it makes it easy to complete purchases directly through their mobile phone and banking app - without having to enter card or account details at checkout. This results in a fast, secure, and familiar payment experience.
To better understand Swish, you can compare it to Vipps or MobilePay.
How does Swish work?
The consumer pays via the Swish app, where their mobile number is directly linked to a bank account. The key difference is that Swish payments are executed instantly and confirmed via Sweden’s digital identification system, BankID.
There is typically a one-time setup fee and a transaction fee, which varies depending on the bank and is paid by the business.
Merchants receive the payment in real time. To accept payments via Swish, a business must have a “Swish Handel” (Swish for merchants) agreement with a Swedish bank. Swish can be integrated into the webshop using a payment gateway or directly via the Swish API.
Swish in E-commerce
Swish is one of the most preferred payment methods among Swedish consumers - particularly for mobile purchases. By offering Swish at checkout, you can provide:
- A faster and more intuitive buying experience
- Higher conversion rates, especially on mobile
- A trusted payment method familiar to Swedish customers
By including Swish in your payment setup, you can ensure a smooth customer journey from purchase to delivery - especially when combined with an efficient shipping solution.
Benefits of Swish as a payment method
There are several benefits to offering a mobile-friendly payment method like Swish at checkout. Here are four key advantages:
- Instant payments directly from the customer’s bank account
- High user-friendliness, especially on mobile
- High brand awareness and trust in Sweden
- Low payment friction - no card details required
Swish is therefore ideal for businesses targeting Swedish customers and looking to offer a localized checkout experience.
Who can use Swish?
Swish is available to both individuals, businesses, and organizations in Sweden. For businesses, it requires a Swish Handel agreement as well as integration via a payment provider or technical API setup.
Swish is especially relevant for:
- E-commerce companies with Swedish customers
- Retailers and service providers with a physical presence in Sweden
- Subscription models and donation-based offerings
If you serve Swedish customers and ship to Sweden, offering Swish can be a significant competitive advantage. It supports a local, reliable, and fast checkout experience - and can help increase your conversion rate in the Swedish market.
Swish is not available for users or businesses outside of Sweden. It requires both a Swedish bank account and a Swedish personal identification number (personnummer).
Integrating Swish into your payment setup
Swish can typically be integrated through a payment gateway that supports Swish (e.g., Swedbank Pay, Nets, Worldline, or Zettle). During checkout, Swish is presented as a payment option, and the customer completes the payment through the Swish app using BankID.
To accept payments via Swish, your business will need:
- An active Swish Handel agreement
- A Swedish corporate bank account
- Integration with your webshop, either via payment gateway or Swish API
Swish can also be part of a custom checkout flow, such as Kustom Checkout, where it is displayed alongside other payment options like card, invoice, or installment plans (e.g., Klarna). If using Kustom, you can design your own checkout experience to fully match your customers’ preferences. Note that Swish requires your checkout to display and settle transactions in Swedish kronor (SEK).
Swish is a key part of the total buying experience - especially in Sweden. When you combine fast mobile payments with reliable shipping, you create a seamless shopping journey where everything from payment to delivery works in harmony.
This allows you to meet Swedish consumers’ expectations for speed, security, and flexibility.
Integrate payment capture into your order flow
When working with multiple payment methods and gateways such as Swish, Klarna, card payments, or MobilePay, it’s essential that your order and payment flow is unified in one system.
With Shipmondo, you can connect your webshop and payment gateways so that payment, picking, packing, and shipping are all handled efficiently in a centralized order management system.
This enables smooth operations across all payment solutions. In practice, this means you can:
- Gain real-time overview of paid orders
- Filter orders based on payment method
- Manage orders efficiently - from picking and packing to booking freight and capturing payments
- Automate status updates to your customers
- Manage returns and refunds intelligently
- Collect data across systems for analysis and reporting
This not only makes your day-to-day operations easier - it also ensures a consistent and professional customer experience from payment to delivery.