Activate

I have Android, do I need to reactivate Swish for my app to work after the update?

No. The reason for the update is the change of technical partner for Swish. For Android, this update is automatic so you will not need to reactivate the app.


Why do I have to download a new Swish app for my Windows phone?

Swish is changing technical partner, which means that you will need to delete your Swish app and download the new Swish app called ”Swish betallösning”. When you have done this, Swish will work as usual.


Can I link a mobile phone number owned by somebody else, for instance may parents or employer?

Yes that works´s.


I only wish to receive payments via my mobile number. Is that possible?

Yes. In order to receive Swish payments, you only need to be registered for Swish at your bank by linking your mobile number to your account number through your internet bank.


I have a foreign mobile phone number. Can I enrol Swish?

Yes, but you must have an account with one of the banks offering the service and register for Swish.


How old do you have to be to use the service?

Contact your bank to see which rules apply for that particular bank.


Can you use the service if you don’t have a smartphone?

Yes, you can register for Swish without having a smartphone, but then you can only receive Swish payments.


Does Swish cost anything?

Each bank has its own customer offering, so contact your bank for more information about the offering which applies to you.


How do I get Swish?

You can obtain Swish through your internet bank on your computer. There, you connect your bank account with your mobile phone number. When you’ve done this, you can start to receive money via your mobile number. In order to send money, you must also download the Swish app “Swish Payments” and “BankID security app”.


Can I be registered for Swish at several banks?

Yes, you can be registered for Swish at several banks, but then you would need several mobile phone numbers. You can only link one mobile phone number to one bank account.


Connect

Pay online and in app

What should I think about when paying in advance with Swish?

We can guarantee that your Swish-payment will reach the recipient. But if you would be unhappy with the purchase or delivery you will have to contact the selling company yourself.


Why do I not get the payment information in my Swish-app when I have chosen to pay with Swish in a web shop or in an app?

  1. Make sure that you updated your Swish-app to the latest version (it should say 3 under Settings). If not, you can update the app in:
    • App store for iOS mobile phones
    • Google play for Android mobiles phones
    • Windows store for Windows mobile phones
  2. Make sure that your internet connection is working on your mobile phone – either through your mobile network or through Wi-Fi.
  3. Make sure that you written your phone number correctly in the e-shop.
  4. If there are any bigger disruptions with the service you can find more information at www.getswish.se/driftinformation

If it’s still not working, please contact the selling company and ask them to control if anything is wrong at their end.


How can I be sure that the payment has been made?

You will receive a confirmation of the payment in the Swish-app, but if you’re uncertain – check Events in the Swish-app or your transactions on your bank account.


Do I pay any fees when using Swish as a method of payment online?

Each bank decides their fees for Swish themselves and we would recommend that you check this with your bank, visit their website to learn more. The e-shop is not supposed to charge you any extra for using Swish as the method of payment, on the other hand there can be other fees that the selling company takes for payments online.


Which limit of payment applies when paying with Swish online?

Every bank decides their limit for Swish-payments. How large the amount you are able to Swish depends on the limit of payment that your bank has decided on. Most of the banks offer you to change the limit temporarily, which can be good if you’re planning to make a larger Swish-payment.


How does it work with refund payments from the stores when using Swish as a method of payment?

If you regret your purchase or if you need to make a reclamation the selling company can make a refund of either the whole or parts of the payment. When a refund has been made you can see that you received a Swish-payment in your Swish-app. It will also be shown in Events in the Swish-app and on your bank account.


How does Swish work as payment when shopping in apps or other mobile services?

  1. You choose Swish as the method of payment in the app or in the web shop through the browser in your mobile.
  2. Normally the Swish-app opens automatically without the need for you to do anything.
    ▪  In some cases you might need to open the app by yourself.
  3. When the app opens information regarding the payment will be shown; amount and recipient, and you approve and sign it with Mobile BankID as usual.
  4. A confirmation will be shown in both the Swish-app and in the e-shop.
  5. In some cases you need to click on the cross to close the Swish-application and get back to the other app


How does Swish work as a method of payment for e-commerce?

  1. You choose Swish as the method of payment,
  2. put in your mobile number and
  3. open the Swish-app in your mobile phone.
  4. When the app opens information regarding the payment will be shown; amount and recipient, and you approve and sign it with Mobile BankID as usual.
  5. A confirmation will be shown in both the Swish-app and in the e-shop.


Payment

Is it possible to make a Swish-payment through another (third-party) application?

Yes, in some applications you can choose to pay with Swish. You will automatically get linked to the Swish-application to make the payment.
The information from the first application will be pre-filled when the Swish-app opens; the phone or Swish number to the receiver, amount and possibly a payment message. You need to sign with Mobilt BankID as usual.
When you get the payment confirmation in the Swish-app you can close the app by clicking on the cross in the corner and will then get back to the first application.


Why does the confirmation look different when I swish to a charitable organisation?

When you swish to an organisation with a 90-account, you get a red confirmation with a heart as a thank you for your gift.


Is the recipient name that appears when I sign always the same as the name of the company, association or organization I am sending money to?

The recipient name shown in the app is the legal name submitted to the bank. Sometimes that name differs from the name that the company, association or organization has chosen to communicate outwards – but it is still the same receiver.


Who is responsible if I want to complain about a product I have bought, or get a refund when I have made a payment to a company, association or organization through Swish?

The role of the bank is to transfer the payment. In case of non-delivery, error in goods or other, complaints should be made directly to the company, association or organization in question. When a payment to company, association or organization is made through Swish it can’t be refunded through Swish, the refund has to be made in another way.


Is there a fee when I make payments to companies, associations and organizations through Swish?

Each bank has their own policy regarding fees, so it’s best to contact your bank directly for more information about fees.


Will I get a receipt when I have made a payment to a company, association or organization through Swish?

Just like when you use Swish to make a payment to a person, you get a confirmation of payment in the app. Though, this confirmation of payment is not a receipt. It is the responsibility of the company, association or organization to provide customers with the receipt for their purchase.


How do I use Swish to make payments to companies, associations and organizations?

Every business, association and organization has its own Swish number. You make the payment by entering the Swish number, the amount and an optional message in the Swish app. Just like when you make a payment to a person through Swish.


Change bank or mobile number

What should I do if I wish to terminate my Swish account?

You can always terminate use of the Swish service simply at your bank.


I’ve got a new mobile phone – what should I do with Swish?

If you have kept the same mobile number, you only need to download and activate the Swish app in your new mobile phone. If you have changed mobile phone numbers, you must first terminate Swish and then re-register using the new mobile number.


I’ve changed banks. What happens to Swish?

If you register your mobile number with your new bank, Swish is automatically terminated at your old bank, and the Swish app is deactivated – it will no longer work. You must then reactivate the app using Mobile BankID.


What happens if I change mobile numbers?

If you change mobile numbers, you must register the new mobile number with the service. You then need to reactivate the Swish app. You should also terminate the service on your old mobile number.


Favourites

How do I remove a contact from favourites?

Click on the menu in the bottom left corner on the start screen. Choose “Favourites”. Drag the favourite you would like to remove to the left until you see “Remove” as an option. Click on “Remove” which will remove the contact from your list of favourites.


Can I add a company, an association or an organisation to the favorite list?

Yes, you can have companies, associations and organisations as favorites.


How do I delete a favorite?

In order to delete a favorite you can go directly to the favorite list through the menu or through events.


Can I change the information or the order of my favorites?

Yes, by accessing the favorite list through the menu, you can by making a swipe gesture change information such as name or number. When users tap and hold a specific favorite they will be able to re-order their favorites by dragging the favorite up or down.


How many favorites can I have?

It is possible to add up to ten favorites in the list.


How do I swish to a favorite?

When to make a payment you can now instead of writing the number or choosing among your contacts simply choose from your favorite list, which is shown under the recipient field. When clicking on a favorite the icon will become blue indicating that the person has been choosen as the recipient of the payment.


How do I add favorites?

There are several ways to add a favorite. Favorites can now be found in the menu, which you can access through clicking  in the lower right corner, by accessing this you can add the contacts you want to have on your favorite list. You can also add a person that you recently made a/received a payment to/from to your favourite list through your events by swiping the event to your left, or when you go directly to a new payment.


Legitimation

How can I identify myself in the Swish app?

You need a digital identification in order to identify yourself. You must use Mobile BankID on the same mobile device that you use for the Swish application.


Problems

Why can’t I access my contact list in Swish on my company phone (iPhone)?

In an update for iOS 11.3 because of GDPR, Apple has a new policy regarding access from third party apps to the contact list. This may prevent you from accessing your contacts from the Swish app if you have a company phone. This is because your company administrates phones through a central MDM-system (Mobile Device Management System). This means that apps that haven’t been approved by the administrator, or are part of the selection of available apps in the internal MDM-system, are not authorised to access this data. To solve the issue, contact the IT department in your organisation. Unfortunately, there is no possibility for Getswish to solve this issue.


How do I reactivate Swish for version 3.5 for iOS?

To reactivate Swish is simple! Once you’ve updated to version 3.5 and have opened the Swish app, you’ll automatically land on a page where you need to enter your phone number. Now you can sign in with BankID and Swish will be ready to use again.


As an iOS user, why do I need to reactivate Swish for version 3.5?

Because Swish is changing technical supplier, you will need to reactivate the app to make it work. To do this, update the app to version 3.5 and open Swish. Just enter your phone number and sign with BankID!


I can’t find the app in Appstore/Google Play/Windows Store.

Use the download site’s search function and search on “Swish Betalningar” (Swish Payments).


I’ve sent money that hasn’t arrived.

1. Check your bank account to check whether the money has actually been withdrawn.
2. Check that the recipient has the mobile phone number to which you sent the payment.
3. Contact your bank.


I can’t find the answer to my question. What should I do?

Contact your bank.


I can’t remember my Mobile Bank ID PIN. How do I get a new one?

If you have forgotten your PIN, you can’t get a new one, because only you know it. You can block your old Mobile Bank ID at your bank and retrieve a new one. Then, you choose a new code.


My Mobile Bank ID doesn’t work. What should I do?

Contact your bank.


I can’t get it to work. Is there anybody I can contact?

Contact your bank.


QR codes

For how long is a QR Code valid?

The QR Codes are valid for an unlimited amount of time and can be scanned any number of times.


How do I save a QR Code as a picture in my phone?

If you take a picture of a QR Code it will be saved automatically in the picture gallery in your phone.


Do I have to pay extra to create or scan a QR Code for Swish?

No this function does not cost extra.


Which information does a QR Code contain?

If you create a QR Code in the QR Code Generator at our website it can contain information about your mobile phone
number, the amount and a message. You can also choose if you would like some of the fields to be locked. QR codes created in the Swish app can only contain information about your mobile phone number.


How do I send a QR-code to someone?

Open the page for QR Codes in the app and choose”My QR Code”. Under the QR Code you will find a share button. Click on it and choose ”Save Picture”. Before being able to save the picture, make sure you have given the Swish app access to saving pictures on your phone.


How do I scan a QR Code with the Swish app?

In the top right corner of the app, you will find a symbol for QR Codes. Click on that to open the menu and chose “Scan Code”. Your camera will automatically scan the QR-Code when the phone is placed in front of one. When the code is scanned a payment to the number connected to the code will be initiated.

You can also scan a QR Code that has been saved in the picture gallery. Instead of clicking on “Scan Code”, click on the icon for the picture gallery in the bottom left corner. Chose the code from the gallery, click on it and a payment will be initiated in the Swish app. It is only possible to scan and process one QR Code payment at once. You cannot scan one code multiple times to process multiple payments at once.


How do I create my own QR Code?

In the top right corner of the app, you will find a symbol for QR Codes that takes you to the page for QR Codes. Click on “My Code” and chose “Create QR Code”. The code will be available under “My Code” in the Swish app, and is automatically connected to your phone number or Swish number. You can also choose to save the code as a picture in you picture gallery by choosing “Picture Gallery” in the menu. You will need to give the Swish app access to save pictures on your phone. You can also create QR Codes at www.getswish.se/qr-generator. The codes created here can contain information about your phone number or Swish number, the amount and a message.


How do I find the QR Code function in the Swish app?

On the homepage in the Swish app in the top right corner there is an icon of a QR Code. When you click on the icon you will get to a page where you can view and create your own QR Codes as well as scan the codes of others.


Who can use QR Codes in Swish?

For private users, everyone that has the Swish app in a version where the QR function is available, can use the function.  You use QR Codes to pay others or to receive payments. You can generate your own QR codes within the app or here in the QR Code Generator at our website.


What is a QR Code?

A QR Code is a two dimensioned bar code. It is scanned by a QR scanner. In this case it is built into the app via the camera in the phone.


How does QR Codes work?

With the new function you can use the Swish app to scan a QR Code (QR is short for Quick Response) to fill out the information on the payment page and automatically initiate a payment. With QR Codes you do not have to fill out the payment information manually. You can also create your own code that you can use to initiate a payment.


Say it with Swish

To whom can I send a present?

You can send a present to other private users, but not to companies, associations or organisations.


How long is the present available for the recipient?

The present and your personal greeting will always be available for the recipient in “Events” in the Swish app.


How is this function presented to the recipient?

The recipient will get a notification about a received payment. In “events” he or she will see the icon of a present. The recipient needs to click on the present to open it and be able to see the amount, illustration and your message


How do I choose an illustration?

You can scroll through the different illustrations by swiping to the left or to the right. Click on an illustration to see a larger picture and to see both sides of the illustration. After you have clicked on the illustration you want to send, click “Continue” to proceed to the payment page, where the payment process is the same as usual. In this step you can choose if you want to send the pre filled greeting or write your own.


How do I access this function?

To be able to use ‘Say it with Swish’ both the sender and the receiver of the gift will need the latest version of the Swish-app. ‘Say it with Swish’ does not work if you have a Windows phone.


Where do I find this function?

When you open the Swish app, swipe to the left on the homepage and you will find the page for ‘Say it with Swish’.


What is ‘Say it with Swish’?

‘Say it with Swish’ lets you send your payment in the form of a present. Choose between several different illustrations – say thank you, congratulations or surprise a loved one. Include a personal greeting and personalize your payment with ‘Say it with Swish’.


Safety

How does Swish manage the personal data of customers?

The bank in question manages all information about the customer. Banks never transfer or sell their information about customers.


What happens if my mobile phone disappears?

If your mobile phone disappears or is stolen, block your Mobile Bank ID. You can do this yourself in your internet bank if you have your card reader, or you can contact your bank branch, telephone bank or customer service. When Mobile Bank ID has been blocked, payments cannot be made.


How secure is Swish?

Swish is as secure as the internet and mobile bank. Regardless of whether you are only going to activate the service, or are ready to send and receive money, you can feel completely secure.


Cooperation

What is the difference between Swish and other similar mobile payment solutions on the market?

Swish enables payments to other private individuals, irrespective of the bank, and recipients receive the money directly in their bank accounts. A major advantage is that the service is linked to your own bank account. You therefore don’t need to transfer money to a special account or, for example, pay by invoice later on. The payer doesn’t need to know the recipient’s account number; only the mobile number is used.


Send and receive money

If I have several banks and wish to transfer money between my own accounts, does it work?

Yes, provided that you have several mobile numbers. You can only link one mobile number to one account at one bank.


Can I send money on weekends at night-time?

Yes, the service works 24/7 all year round.


How do I know if the money is being sent to the right person?

Before you approve the payment, the name of the recipient appears.


I regret making a payment and wish to cancel it. What should I do?

It is not possible to cancel a payment. Contact the recipient if the payment was made in error, and your bank in the second instance.


Do I pay for Swish payments sent from my mobile on my mobile phone bill?

All Swish payments you send are debited directly from your bank account and are deposited in the recipient’s bank account.


Does Swish work without a data network connection?

No, Swish requires a network connection.


How do I know that the money has arrived?

Senders of money can always see payments made in their Swish apps and in their internet and mobile banks directly. Recipients receive a notification of the payment in their Swish apps and in their internet and mobile banks directly.


What happens if I try to send more money than there is in my account?

You can’t send more money than there is available at that particular time.


What happens to my transaction if my network connection is cut off?

It depends on the stage at which the network connection broke off. Check the payment status in your Swish app under Events.


How much money can I send?

The banks which offer Swish may have different amount limits, so contact your bank to find out what applies.


Can I send and receive money when I am abroad?

Yes. All that is required is the recipient’s mobile phone number. Remember that data traffic abroad may carry an extra cost.


What happens if I send money to somebody who doesn’t have Swish?

If you try to send money to somebody who doesn’t have the service, your payment will not go through. You will receive a message stating that the person to whom you are trying to send money does not have the service.


Does the money really arrive immediately?

The money is sent directly between the banks included in the collaboration. It takes no more than a few seconds for the money to arrive in the recipient’s account.


Can I pay with Swish in store?

Yes, if the store is connected to Swish you can do one, or all of the following:

  • Pay with Swish by filling out the stores Swish-number, amount and eventual payment reference.
  • Pay with Swish QR Codes by scanning a QR Code.
  • The store can choose if they wish to use dynamic QR Codes where you fill out amount and eventual payment reference, or locked QR Codes with some or all information pre-filled.


Swish API

Swish number

Swish App

Are you exposed to Swish-stalking?

We are very sorry to hear that Swish can be used for stalking. If someone is stalking you through Swish please contact both the police and your bank. We are currently looking at possible solutions to this problem to make it possible to block certain numbers from the Swish app.


How do I log out from the Swish app?

When you have identified yourself with BankID you are logged in to the Swish app, and you will find the option “log out” in the bottom of the menu. If you have not identified yourself with BankID you are not logged in and will not be able to see “log out” as an option in the menu.


This is how you use Swish-stickers!

In version 3.1.4 of the Swish-app a sticker-set was added. These stickers is designed emojis for iMessage, the message-app on iPhone. This is how you download and start using them.

  1. Update your Swish-app to the latest version
  2. Open the message-application on your iPhone
  3. Next to the message-box there’s a AppStore-sign, press it!
  4. After that you have to press the four dots in the left corner
  5. Press ‘Store’
  6. Choose the tab ‘Handle’
  7. Activate Swish!
  8. Now you can use and send stickers when sending a message by pressing the AppStore-sign and choose the sticker you want!


Can I sign a payment in the Swish app with Touch ID?

Yes, you can sign your payments with both Touch ID and Face ID.


Does Swish work with Touch ID

Yes. Everyone, who´s bank supports Apple Touch ID for Mobile BankID, can use Touch ID for log in and to se events in the Swish-app.


Have ‘History’ and ‘New payment’ disappeared from the Events list?

No. Swipe your finger from right to left on the event or tap on it to see the options.


Why is the confirmation animated?

Now the confirmation is animated which makes it harder to forge. This is good for both businesses and private users.


Have the function of sending text messages from the app disappeared?

Yes. As the text message function served the same purpose as the function of the app’s push notifications, we chose to remove the possibility of sending text messages from the app.


Can I use Swish on my tablet?

Yes, if your tablet supports Mobile Bank ID. Click on the following link to see which units are supported: http://support.bankid.com/hw


On which handsets does Swish work?

Android 4.0, iOS 7.0 and Windows Phone 8.1


Activate

Connect

Which payment service providers or technical partners can I connect through?

At www.getswish.se/foretag/partners/ you can find a list with companies that has integration towards Swish for commerce and can offer your company a simple connection to the service.


Can I use Swish for commerce in my physical store?

Swish for commerce is suitable for e- and m-commerce but there are no limitations for using it in your physical store as well.


Can foreign business sign an agreement for Swish?

Yes, all businesses that meet the criteria to become a customer in a Swedish bank can sign an agreement. The service only handles payments made in SEK.


Can I connect through my payment service provider or technical partner?

Yes, that is no problem. As soon as you signed an agreement for Swish with your bank and have access to Swish API and the security certificate your payment service provider or technical partner will handle the connection. To make the connection easier you can choose to give the payment service provider or technical partner authority to handle you security certificate.


Can I connect to Swish for commerce through another part?

No, you need to sign an agreement directly with you bank. It is important that it is your/the company’s name that is shown to the consumer when he or she is handling the payment. It is a part of the Swish security that you always know who you’re paying.
For the technical aspects, to connect to the Swish API, you can use help from another part. However the payments will always go to and from your bank account.


Are there any specific demands for signing an agreement with Swish for commerce?

There are demands on who can sign agreements for this service in the same way there are when signing agreements for cards and direct payments. To know more, check you banks website.


What does Swish for commerce cost for me as a business?

Each bank got their own customer quotation and price list towards their customers, you can find more information on your banks website.


Which bank offers this service right now?

Swish for commerce is now offered by Danske Bank, Handelsbanken, Nordea and Swedbank and by Sparbankerna. Länsförsäkringar and SEB are planning to launch the service later on.


How do I connect my company to the Swish service?

Contact your bank to sign an agreement on the service thereafter you can connect to Swish API, either directly or through a technical partner.


How can my organisation receive gifts with Swish?

Talk to your organisation’s bank and they can help you. To get a red confirmation with a heart it’s necessary that the organisation has a 90-account.


After connection, how long does it take before the service can be used?

You can start to receive payments immediately after connection has been approved and you have received your Swish number with the prefix 123.


Will companies, associations and organisations use the Swish app?

No, there isn’t a Swish app for companies, associations and organisations. Payments received can be seen immediately in online or mobile banking services, depending on what the bank offers.


Will all banks connected to Swish offer the service to companies, associations and organisations?

Each bank decides whether to offer the service. Please contact your bank if you have questions regarding their offers.


Is there a fee to use Swish?

Each bank have its own customer offering and pricing. Contact your bank for more information.


How do I connect my company, association or organisation to Swish?

Contact your bank to connect to the service and for more information.


How does the service work for companies?

Connected companies, associations and organisations receive a unique Swish number. This number is connected to the recipient’s payment account. Private individuals use their Swish app to make a payment, registering the Swish number, amount and an optional message. An approved payment is immediately credited to the account connected to the Swish number.


Who is the service suitable for?

The service is suitable for companies, associations and organisations that receive payments from private individuals and want a service in addition to cash payments and other traditional methods of payment.


What is Swish for companies, associations and organisations?

Swish is a mobile payment service which makes it possible for legal entities, self-employed persons, associations and organisations to accept Swish payments from private individuals. Payments are immediately credited to the recipient’s account, at any time of the day, all the year round.


Pay online and in app

Payment

Are there any amount limitations for Swish for commerce?

No amount limitations for the recipients company are planned for. Each bank decides the amount limitation for the Swish-payments for their private costumers. The maximum amount per transaction is 150 000 SEK.


Is it possible to have other currencies in Swish?

No, Swish is only adjusted for SEK.


How is the Swish-payment declared on my account?

With Swish the transactions is happening in real-time, at all hours and is deposited directly into your bank account. It differs between the banks how the transactions is declared, so for more information visit your banks website.


Is it possible to make refunds?

Yes, it’s possible to make a refund on the whole or parts of the earlier made Swish payment. When making the refund controls on the following thing will be made:

  • there is an original Swish payment
  • the original amount is not exceeded
  • the consumer, who’s the receiver of the refund, still have the same mobile phone number connected to Swish as to when the original payment was made
  • that more than 12 months has not past since the original payment was made

You can make refund payments through the Swish API. Some banks will also offer this function in their different bank channels.


How do I know I have received my payment?

With Swish for commerce you will send a payment request to the consumers Swish-app through the Swish API. When the payment has been made you will receive a confirmation through API.

The payment through Swish will be visible on your bank account. Within the banks own consumer offers there might be other solutions on the payment confirmation that they offer.


Why does the confirmation look different when I swish to a charitable organisation?

When you swish to an organisation with a 90-account, you get a red confirmation with a heart as a thank you for your gift.


Is the recipient name that appears when I sign always the same as the name of the company, association or organization I am sending money to?

The recipient name shown in the app is the legal name submitted to the bank. Sometimes that name differs from the name that the company, association or organization has chosen to communicate outwards – but it is still the same receiver.


How quickly does money arrive in your account?

The payment is credited to the recipient’s account in a matter of seconds.


Do customers who pay with Swish receive written receipts?

The customer gets a confirmation of payment in the Swish app. This is not the same as a receipt. A receipt of purchase is provided by the company, association or organisation.


How does the customer see that payment has been made?

When a private customer has approved the payment, he or she immediately receives confirmation that the payment has been made in their Swish app. The payment is also saved in “events” together with payment information.


How can we see that the customer has paid?

A few seconds after the customer has approved the payment it will be visible in the bank account of the company, association or organisation. Every bank has its own offering. Contact your bank for more information.


How much money can a customer pay?

The banks and private individuals may have different amount limits depending on what they have decided. However, no payment can exceed SEK 150,000.


Change bank or mobile number

Favourites

Legitimation

Problems

Why can’t I access my contact list in Swish on my company phone (iPhone)?

In an update for iOS 11.3 because of GDPR, Apple has a new policy regarding access from third party apps to the contact list. This may prevent you from accessing your contacts from the Swish app if you have a company phone. This is because your company administrates phones through a central MDM-system (Mobile Device Management System). This means that apps that haven’t been approved by the administrator, or are part of the selection of available apps in the internal MDM-system, are not authorised to access this data. To solve the issue, contact the IT department in your organisation. Unfortunately, there is no possibility for Getswish to solve this issue.


QR codes

In which situations can I use a Swish QR Code to receive a payment?

Simply put – in any situation that you wish to use Swish as a payment method. At the cash register, on the
door to your business or in any situation when you wish to simplify the payment process for your customer.
You can generate unique QR Codes, for example for invoices and for purchases via your terminal. You can
find more information here .

Choose between dynamic or locked QR Codes. Dynamic QR Codes can only contain your Swish number and
lets the customer fill out the amount and a message. If you choose to use Swish QR Codes as a payment
method for your invoice or to integrate Swish QR Codes with your terminal it is important that both the
amount and the message or invoice number is correct. Therefore, when creating the QR Code, make sure
that no fields are changeable.

Here you can create Swish QR Codes.


Do I have to pay extra to create or scan a QR Code for Swish?

No this function does not cost extra


For how long is a QR Code valid?

The QR Codes are valid for an unlimited amount of time and can be scanned any number of times.


How does a payment with a QR Code work?

The customer opens the QR Code page in the Swish app and chooses “Scan Code” which will initiate a payment when the phone is placed in front of a QR Code. When the customer has scanned the code the payment page will be automatically filled out with information from the QR Code. The customer will approve by clicking “pay” and sign the payment with Mobile BankID.


In which situations can we use a Swish QR Code to receive a payment?

Simplified – in any situation. For example, by the checkout counter, either by a set amount if you have few and simple products or by just including your Swish number and a changeable amount if your customers usually buy a few different products.

 

If you choose to use Swish QR Codes as a payment method for your invoice it is important that both the amount and the message or invoice number is correct. Therefore, when creating the QR Code, make sure it is not changeable.


Which information can be included in a Swish QR Code?

In the QR Code the information that the customer normally fills out in the payment page in the Swish app will be included.

  1. Swish number
  2. Amount
  3. Message, payment reference

The QR Code always have to contain the receiving Swish number, information about the amount and the message can be changeable if you wish. You can choose if you want the customer to be able to change amount and message or if you would like these fields to be locked.


How do we create Swish QR Codes?

  1. If you wish to create one or more QR codes you can do so in the QR Code Generator on our website. There you will specify which information you want the codes to include. You can also create posters with the code.
  2. If you wish to create multiple QR codes we recommend that you call on the QR Code Generator and specify which information you would like the code to contain and in which format you would like it delivered. You will find more information in the document “Guide Swish Code Design Specifications” at getswish.se/qr.
  3. If you are already using QR codes you can adjust your existing codes for Swish. You will find more information in the document “Guide Swish Code Design Specifications” at getswish.se/qr.


Which are the benefits for us as a company?

By using Swish QR Codes you will make it easier for your customer to pay through Swish. The payment is easier and quicker since the Swish number always is included in the code, which eliminates one step in the payment process. You can also choose to include information about the amount and a message to make the payment process even more simple.


Which companies can use Swish QR Codes to receive payments?

All companies and organisations which are connected to “Swish Företag” (Danske Bank, Handelsbanken, Länsförsäkringar, Nordea and SEB) or “Swish för företag” (Swedbank). At the moment Swish QR Codes is not available for companies connected to “Swish Handel” for e- or m-commerce.



How does QR Codes work?

With the new function you can use the Swish app to scan a QR Code (QR is short for Quick Response) to fill out the information on the payment page and automatically initiate a payment. With QR Codes you do not have to fill out the payment information manually. You can also create your own code that you can use to initiate a payment.


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Swish API

How does Swish App to App (App2App) work?

To be able to use Swish-payments between private persons or from private persons to companies you need to integrate your application against the Swish App2App API

To get access to Swish APp2App API you have to register on our webpage for developers here. Swish App2App is used like this:

  • The payee (private person) and receiver register their mobile number (Swish-number if the receiver is a company) in your app for them to be able to make payments with Swish.
  • The payee choose to pay with Swish inside of your app by clicking on the Swish-logo
  • Your app opens and pre-fill the payee’s Swish-application with the mobile – or Swish-number, amount (optional) and payment message (optional) of the receiver
  • The payee must check the information and possibly add amount and payment message
  • The payee accepts and sign with Mobilt BankID as usual
  • The payee close the Swish-application by clicking on the cross and will then go back to your app
  • Through the Swish App2App API you will get information about the payment statuses; sent, denied or unknown


Which test tools are available?

Our test tool includes:

  • Merchant Swish Simulator – A server application that simulates the commerce interaction with Swish API. It can answer the calls to Swish API and return the correct formatted return messages and also the error messages.
  • Test certificate – Client certificate and Swish API server certificate for test.

Go to developer.getswish.se/manuals/ to download the guide for the test tool and the two test certificate that you will need.


Who can I contact to get support with the connection of Swish API?

Contact your bank for support


Which technical demands lies on me as a business?

Swish API is built for standardized technics for e-commerce: REST-API, digital certificate and TLS. No special products are needed.


How do I connect to Swish API?

You can find all the steps that you will need to do in order to connect to our API in our guide Swish API (Integration Guide). You can find it at developer.getswish.se/manuals/.


Will there be any statistic or reporting tools available?

Through the Swish API there will not be any tools for statistics or reporting, but it can be available both through the banks and the payment service consumer offers.


Swish number

What happens in the event of changing banks?

If you change banks, it is possible to transfer your Swish number to the new bank, assuming that the bank offers the Swish service.


Is it possible to choose a Swish number?

No, the numbers are allocated randomly and cannot be transferred. However, charitable organisations with a 90 account can choose to use the number as their Swish number.


Is it possible to have additional Swish numbers?

Yes. The number varies between the banks. Contact your bank for more information.


What is the format of the Swish number?

A Swish number looks like a mobile phone number and consists of 10 digits prefixed by 123. For example, 123-111 11 11.

Charitable organisations with a so-called 90 account can choose to use the number as their Swish number. In such case, the number will have the format 123 – 90X XX XX.


Swish App

Have ‘History’ and ‘New payment’ disappeared from the Events list?

No. Swipe your finger from right to left on the event or tap on it to see the options.


Have the function of sending text messages from the app disappeared?

Yes. As the text message function served the same purpose as the function of the app’s push notifications, we chose to remove the possibility of sending text messages from the app.