Swish
Swish is Sweden’s real-time mobile payment system linking customer bank accounts to mobile numbers.
Swish is Sweden’s real-time mobile payment system linking customer bank accounts to mobile numbers. Payments are authorized via BankID, providing strong authentication and instant settlement via a typical open-banking flow. Merchants benefit from low fees, high trust, and widespread adoption across Swedish consumers. Swish supports online checkout, QR payments, and in-app commerce, making it essential for Swedish e-commerce, retail, and public services.
payment methods
markets
currencies
What Swish costs
Merchants do not pay Swish directly. Each payment provider that offers it sets its own rate, so compare a few and ask them to quote.
What the last check found
This is one of the minority of methods that works in both directions: Nuvei's integration data records it as supporting payouts as well as payments and refunds. For anyone who needs to send money out as well as take it in — marketplaces, gaming, insurance, anything with a payout leg — that halves the number of rails worth considering, and this is one of them.
A single-country method, in Sweden, charged in SEK, documented by Adyen, Antom, Nuvei, Airwallex and Stripe. Nothing wrong with that — a domestic rail is usually the cheapest and highest-converting way to be paid in its own market, and the reason to care about it is precisely that it is the local default rather than a global option.
Adyen files it under "Wallets", and states it supports Multiple partial refunds and Partial refunds. Its catalog is the one place in this industry that publishes a method's countries, its processing currencies and its settlement currencies separately, which is the difference between what a customer can be charged in and what a merchant can be paid in.
One constraint that is easy to miss: a provider documenting this method also states where the MERCHANT has to be incorporated for it to be offered — Austria, Belgium, Bulgaria, Cyprus, the Czech Republic, Germany, Denmark, Estonia and 22 more. Where a shopper can pay from and where a business can be registered are different questions, and it is the second one that decides whether you can sign at all.
Checked against Swish’s own documentation on 20 October 2026. Coverage changes; confirm anything you are about to build on.
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Sources · 5
- Adyen Docs — payment methods catalog · docs.adyen.comUsed for countries, processing and settlement currencies, and supported features for Swish, as Adyen documents itChecked 20 October 2026
- Antom Docs — payment methods · docs.antom.comUsed for buyer countries, merchant entity locations and processing currencies for Swish, as Antom documents itChecked 20 October 2026
- Nuvei — APMs per currency and country (January 2026) · docs.nuvei.comUsed for countries, currencies and whether the method supports deposits, refunds and withdrawals for Swish, as Nuvei documents itChecked 20 October 2026
- Airwallex Docs — payment methods · airwallex.comUsed for shopper locations and presentment currencies for Swish, as Airwallex documents itChecked 20 October 2026
- Stripe Docs — payment method support · docs.stripe.comUsed for presentment currencies, business locations and customer countries for Swish, as Stripe documents itChecked 20 October 2026
5 sources · last checked 21 October 2026 — each one says which claim it supports.
Compiled from public sources — verify with Swish before you sign anything. How we compile this · Suggest a correction ·