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.
Getting Swish in your checkout
When will Swish become available for my store?
Swish is available for Kustom Checkout merchants. Whether it's available for your store depends on:
Where your business is registered. Swish is currently available to merchants registered in Sweden.
Your currency. Swish payments are processed in SEK.
What you sell. See What Swish looks for below.
Do I need to enable Swish manually?
No. We enable Swish for you, and there's no technical change needed on your side.
If Swish looks like a good fit for your store but you don't see it in your checkout yet, get in touch with support and we'll take a look at your account.
What Swish looks for
Swish is built around consumer trust, so it comes with a few requirements of its own alongside Kustom's standard onboarding. Most stores already meet them:
Your store sells to private individuals. Swish is designed for consumer purchases. If your store sells only to other businesses, Swish won't be the right fit.
Shoppers can see who they're paying. Your legal entity name, organisation number and contact details should be easy to find on your website, so it's clear who the shopper is buying from.
You sell your own goods or services. This also works if you're a marketplace or interest organisation facilitating goods and services, if you provide an added service such as consumer protection or distribution, or if you've acquired the customer claim through factoring or debt collection. In those cases, make sure the terms that apply to the purchase are available to the shopper when they pay.
Shoppers come to you. Swish supports purchases the shopper starts themselves, so sales made through outbound calls or similar unsolicited contact aren't supported.
Your business is eligible for Kustom Checkout. Swish follows Kustom's standard onboarding — see Prohibited and restricted business segments if you're unsure whether your segment is supported.
Getting your account ready
A few details on your Kustom account help us enable Swish smoothly:
A support email address and support phone number
A privacy policy and terms of sale on your website
Your legal entity name and organisation number on your website
A business segment that matches what you sell
A contact at your business we can reach if we ever need to follow up
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.