# Swish payments

Learn about Swish, a popular payment method in Sweden.

Swish is a [single-use](https://docs.stripe.com/payments/payment-methods.md#usage) payment method used in Sweden. It allows customers to [authenticate and approve](https://docs.stripe.com/payments/payment-methods.md#customer-actions) payments using the Swish mobile app and the Swedish BankID mobile app.

You get [immediate notification](https://docs.stripe.com/payments/payment-methods.md#payment-notification) on whether the payment succeeded or failed.

#### Payment method properties

- **Customer locations**

  Sweden

- **Presentment currency**

  SEK

- **Payment confirmation**

  Customer-initiated

- **Payment method family**

  Real-time payments

- **Recurring payments**

  No

- **Payout timing**

  [Standard payout timing](https://docs.stripe.com/payouts.md#payout-speed) applies

- **Connect support**

  [Yes](https://docs.stripe.com/payments/swish.md#connect)

- **Dispute support**

  No

- **Manual capture support**

  No

- **Refunds / Partial refunds**

  [Yes / Yes](https://docs.stripe.com/payments/swish.md#refunds)

- **Legal terms**

  [Swish terms](https://stripe.com/legal/swish) apply, including the factoring addendum

#### Business locations

Stripe accounts in the following countries can accept Swish payments:

- AT
- BE
- BG
- CY
- CZ
- DE
- DK
- EE
- ES
- FI
- FR
- GR
- HR
- IE
- IS
- IT
- LI
- LT
- LU
- LV
- NL
- NO
- PL
- RO
- SE
- SI
- SK

#### Product support

- Connect
- Checkout1
- Elements2

1Not supported when using Checkout in subscription mode or setup mode.2Express Checkout Element doesn’t support Swish.

## Payment flows 

#### Mobile
![The customer follows a mobile redirect flow to pay with Swish.](https://d37ugbyn3rpeym.cloudfront.net/docs/payments/swish/mobile-payment-flow-2160.png)

The customer follows a mobile redirect flow to pay with Swish.

#### Desktop
![The customer scans a QR code to pay with Swish.](https://d37ugbyn3rpeym.cloudfront.net/docs/payments/swish/desktop-payment-flow-2160.png)

The customer scans a QR code to pay with Swish.

Customers pay with Swish by using one of the following methods:

- **Mobile**: Customers follow a mobile redirect from your website or mobile app to the Swish app, where they authorize the payment, then return to your website or mobile app.

- **Desktop**: Customers scan a QR code you present on your website using the Swish app, which allows them to authorize the payment.

## Get started 

Learn how to [manually configure Swish as a payment method](https://docs.stripe.com/payments/swish/accept-a-payment.md).

You don’t have to integrate Swish and other payment methods individually. If you use our front-end products, Stripe automatically determines the most relevant payment methods to display. Go to the [Stripe Dashboard](https://dashboard.stripe.com/settings/payment_methods) and enable Swish. To get started with one of our hosted UIs, follow a quickstart:

- [Checkout](https://docs.stripe.com/checkout/quickstart.md): Our prebuilt, hosted checkout page.
- [Elements](https://docs.stripe.com/payments/quickstart-checkout-sessions.md): Our drop-in UI components.

### Other payment products

The following Stripe products also let you add Swish from the Dashboard:

- [Payment Links](https://docs.stripe.com/payment-links.md)

## Merchant of record 

For Swish payments, Stripe operates as the merchant of record. Therefore, Stripe’s name appears as the recipient of payments in the Swish app and as the statement descriptor in the customer’s bank statements. Your business name appears in the message field in the Swish app. The factoring addendum in the [Swish terms](https://stripe.com/legal/swish) applies.

## Prohibited business categories

In addition to the industry and business categories listed in [Prohibited and Restricted Businesses](https://stripe.com/restricted-businesses), the following categories aren’t allowed to use Swish:

- Wine producers
- Champagne producers
- Alcoholic beverage wholesalers
- Package Stores - Beer, Wine, and Liquor
- Pawn Shops and Salvage Yards
- Art Dealers and Galleries
- Real Estate Agents and Managers: Rentals
- Legal Services and Attorneys
- Precious stones and metals, watches and jewelry
- Digital wallet top-ups

For more information about Swish eligibility for your account, go to your [Payment methods settings](https://dashboard.stripe.com/settings/payment_methods).

## Refunds 

You can refund Swish charges up to 365 days after the payment completes. Refunds usually take a few minutes to complete. Swish supports full and partial refunds. You can also issue multiple partial refunds up to the amount of the original charge.

## Connect 

You can use [Stripe Connect](https://docs.stripe.com/connect/how-connect-works.md) with Swish to process payments on behalf of a connected account. Connect users can use Swish with the following charge types:

- [Direct](https://docs.stripe.com/connect/direct-charges.md)
- [Destination](https://docs.stripe.com/connect/destination-charges.md)
- [Separate charges and transfers](https://docs.stripe.com/connect/separate-charges-and-transfers.md)