Note: Swish as a stand alone payment method in Kustom Checkout is currently being rolled out gradually and is available to a limited number of merchants.
Overview
Swish integrates with Kustom checkout to provide shoppers with Sweden's most trusted mobile payment option. Here's what you need to know:
Shoppers can select Swish directly in the Kustom checkout interface
Swish offers benefits such as immediate payment confirmation, high conversion rates in the Swedish market, and no card details required during payment
What is Swish?
Swish is Sweden's leading mobile payment method, used by 8.8 million people across the country. Rather than entering card details at checkout, shoppers use their mobile phone number and confirm payments directly in the Swish app.
When will this payment method become available in my checkout?
Swish is currently being rolled out gradually and is available to a limited number of merchants.
Do I need to enable this payment method manually?
Swish is currently being rolled out gradually and is available to a limited number of merchants.
Fees, pricing, and settlement
Will there be any changes to my prices or additional fees?
Standard transaction fees apply for Swish payments.
How will settlements work when shoppers pay with this method?
When a shopper completes a payment using Swish, the settlement process follows your existing schedule. The payment is processed in real-time, and funds are transferred to your account according to your standard settlement timeline. You will receive settlements at the same frequency as your other payment methods.
Shopper experience
How will shoppers use this payment method in checkout?
When a shopper proceeds to checkout, they will see Swish as one of the available payment options. The exact experience may vary slightly depending on whether the shopper is on a desktop or mobile device:
On mobile:
The shopper selects Swish from the list of payment options in the Kustom checkout
The Swish app opens automatically on the shopper's device
The shopper confirms the payment in the app
The payment is processed immediately and both shopper and merchant receive confirmation
On desktop:
The shopper selects Swish from the list of payment options in the Kustom checkout
The shopper enters their mobile phone number and is prompted to check their Swish app for a payment request
The shopper opens the Swish app and approves the payment
The payment is processed immediately and both shopper and merchant receive confirmation
Do shoppers need to do anything different to use this payment method?
Shoppers need to have a Swedish bank account and a Swish account, registered by linking their mobile number to their bank account via their bank. The checkout flow is designed to be seamless and intuitive, with no card details required at any point.
Other questions
Do I need to make any changes to my integration or checkout?
You do not need to make any technical changes to your integration or checkout configuration.
Will this affect my reporting or order management flows?
Transactions made with Swish will appear in your reporting and order management systems just like any other payment method. You can view these transactions in your Kustom Portal, and they will be included in your standard reports. Your existing order management processes remain unchanged.