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Beyond payments

Swish paymentsInvite only

Learn how to accept Swish, a popular payment method in Sweden.

Swish is a single-use payment method used in Sweden. It allows customers to authenticate and approve payments using the Swish mobile app and the Swedish BankID mobile app.

You get immediate notification on whether the payment succeeded or failed.

Caution

Stripe automatically presents your customers payment method options by evaluating their currency, payment method restrictions, and other parameters. We recommend that you configure your payment methods from the Stripe Dashboard using the instructions in Accept a payment.

If you want to continue manually configure the payment methods you present to your customers with Checkout, use this guide. Otherwise, update your integration to configure payment methods in the Dashboard.

Use this guide to enable Swish on Checkout, our hosted checkout form, and learn the differences between accepting a card payment and a Swish payment.

Determine compatibility

A Checkout Session must satisfy all of the following conditions to support Swish payments:

  • Prices for all line items must be expressed in SEK.

Set up Stripe
Server-side

First, you need a Stripe account. Register now.

Use our official libraries for access to the Stripe API from your application:

Command Line
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# Available as a gem
sudo gem install stripe
Gemfile
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# If you use bundler, you can add this line to your Gemfile
gem 'stripe'

Accept a payment

Note

This guide builds on the foundational accept a payment Checkout integration.

Enable Swish as a payment method

When creating a new Checkout Session, you need to:

  1. Add swish to the list of payment_method_types.
  2. Make sure all your line_items use the sek currency.
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Stripe::Checkout::Session.create({
  mode: 'payment',
  payment_method_types: ['card'],
  payment_method_types: ['card', 'swish'],
  line_items: [{
    price_data: {
      currency: 'usd',
      # To accept `swish`, all line items must have currency: sek
      currency: 'sek',
      product_data: {
        name: 'T-shirt',
      },
      unit_amount: 2000,
    },
    quantity: 1,
  }],
  success_url: 'https://example.com/success',
  cancel_url: 'https://example.com/cancel',
})

Fulfill your orders

After accepting a payment, learn how to fulfill orders.

Failed payments

Swish uses multiple data points to decide when to decline a transaction (for example, there aren’t enough funds in the customer’s bank account, or the customer has clicked Cancel in the app).

In these cases, the PaymentMethod is detached and the PaymentIntent object’s status automatically transitions to requires_payment_method.

Other than a payment being declined, for a Swish PaymentIntent with a status of requires_action, customers must complete the payment within 3 minutes. If no action is taken after 3 minutes, the PaymentMethod is detached and the PaymentIntent object’s status automatically transitions to requires_payment_method.

See also

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