# 快速支付

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.

#### 支付方式属性

- **客户所在地**

  瑞典

- **出示货币**

  SEK

- **支付确认**

  客户发起

- **支付方式类型**

  实时付款

- **经常性付款**

  否

- **提现时间**

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

- **Connect 支持**

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

- **争议支持**

  否

- **Manual capture support**

  否

- **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.

## 开始

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

您不必单独集成 Swish 和其他支付方式。如果您使用我们的前端产品，Stripe 会自动确定要显示的最相关的支付方式。前往 [Stripe 管理平台](https://dashboard.stripe.com/settings/payment_methods)并启用 Swish。要开始使用我们的托管 UI，请按照快速指南进行操作：

- [Checkout](https://docs.stripe.com/checkout/quickstart.md)：我们预构建的托管结账页面。
- [Elements](https://docs.stripe.com/payments/quickstart-checkout-sessions.md)：我们的即插即用型用户界面组件。

### 其他支付产品

下列 Stripe 产品还允许您从管理平台添加 Swish：

- [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:

- [直接收款](https://docs.stripe.com/connect/direct-charges.md)
- [定向收款](https://docs.stripe.com/connect/destination-charges.md)
- [Separate charges and transfers](https://docs.stripe.com/connect/separate-charges-and-transfers.md)