# Swish

> Swish is Sweden's dominant mobile payment solution.

Swish is Sweden's dominant mobile payment solution. Started in 2012 as a cooperation between the six largest banks in Sweden, Swish has become a natural part of the daily lives of 8.7 million Swedes. Swish is the preferred way for consumers to pay online, as 64% of Swedish consumers consider it important to be able to pay with Swish in online stores.

The Swish app operates through a simple and secure process: customers register with their mobile numbers and link their bank accounts for real-time transactions via QR codes or phone number identification.

## Properties

The following table lists the product properties supported by Swish:

| **Payment type** | Online banking | Online banking | Online banking |
| --- | --- | --- | --- |
| **Acquirer** | AntomEU, AntomUK, AntomHK, AntomUS | **Merchant entity location** | EEA, UK, HK, US |
| **Payment flow** | Redirect | **Refund** | ✔️ |
| **Buyer country/region** | Sweden | **Partial refund** | ✔️ |
| **Processing currency** | SEK | **Chargeback/Dispute** | ❌ |
| **Minimum payment amount** | 0.01 SEK | **Refund period** | 365 days |
| **Maximum payment amount** | No Antom-side acquiring cap; Swish scheme limit: 150,000 SEK per transaction. Banks may set lower limits. | **Time to return payment result** | Real-time |

## User experience

> **Note**: The following payment flows on different terminals are reference only, and represent this payment method's flow on different terminal types. For supported merchants' terminal types, consult Antom Technical Support.

The following figures show the journey of paying with Swish:

#### Tab: Web

![image.png](https://idocs-assets.marmot-cloud.com/storage/idocs87c36dc8dac653c1/yuque/idocs/2025/png/f93e3be7-71e8-4592-b3cd-6437a8d38e8d.png)

1.  The buyer selects Swish to pay.
2.  The buyer is redirected to the Swish page, where the QR code is displayed.
3.  The buyer opens the Swish app to scan the QR code.
4.  The buyer checks the order information to proceed the payment.
5.  The buyer completes the mandatory authentication and checks the transaction information.
6.  The buyer is redirected back to the merchant result page.

#### Tab: App

![image.png](https://idocs-assets.marmot-cloud.com/storage/idocs87c36dc8dac653c1/yuque/idocs/2025/png/d77ca498-dadb-4749-955b-769143a26625.png)

1.  The buyer selects Swish to pay.
2.  The buyer is redirected to the Swish app to check the order information.
3.  The buyer completes the mandatory authentication and checks the transaction information.
4.  The buyer is redirected back to the merchant result page.

## Supported online payment integrations

Antom offers a range of integration options tailored to each payment method. Each payment method may support different online payment integration options, allowing for flexibility based on your business requirements. The table below provides detailed information about the specific integrations available for each payment method:

| **Supported online payments** | **Supported integrations** |
| --- | --- |
| One-time Payments | ✔️ [API-only](https://docs.antom.com/ac/cashierpay/apm_api.md) ❌ Hosted Checkout Page ❌ Embedded Checkout Page ❌ Web Element ❌ Mobile Element ❌ Payment links |
| Tokenized Payment | ❌ |
| Subscription Payment | ❌ |
| EasySafePay | ❌ |
| Scan to Link | ❌ |

## Banks supporting Swish

Swish was founded in 2012 by six major Swedish banks: Danske Bank, Handelsbanken, Länsförsäkringar, Nordea, SEB, and Swedbank and Sparbankerna. Together, they own Getswish AB, the company that operates Swish.

Other banks have joined since then, and each bank sets its own customer terms and fees. The founding banks are not a complete list of currently participating banks. Check [Swish’s official information](https://www.swish.nu/about-swish) for current bank participation.

Buyers need a Swedish bank account to use Swish. Swish payments use Swedish kronor (SEK).

## Accept Swish with Antom

Antom is an acquirer for Swish. To accept Swish through Antom, enable it in your merchant account and integrate with [One-time Payments using the API-only integration](https://docs.antom.com/ac/cashierpay/apm_api.md). Your integration is with Antom, rather than a direct connection to Swish or Getswish.

For Swish, Antom supports **API-only integration for One-time Payments only**. Hosted Checkout Page, Embedded Checkout Page, Web Element, Mobile Element, and Payment links are not supported. Tokenized Payment, Subscription Payment, EasySafePay, and Scan to Link are also not supported.

The payment flow uses a redirect. Buyers complete authentication in the Swish app or through the Swish-hosted QR-code page, then return to the merchant’s result page. Payment results are returned in real time.

## Merchant eligibility and payment terms

The documented merchant entity locations are the EEA, UK, Hong Kong, and US, with AntomEU, AntomUK, AntomHK, and AntomUS listed as acquirers. A merchant entity registered in one of these locations can accept Swish through Antom; a Swedish merchant entity is not required by the documented location list. The buyer country is Sweden.

Payments are processed in SEK, with a minimum payment amount of 0.01 SEK. Antom supports full and partial refunds within 365 days. Chargebacks and disputes are not supported for this payment method.

## Swish payment limits

Antom does not impose an acquiring-side maximum payment amount. This does not mean Swish payments are unlimited: the Swish scheme limit is **150,000 SEK per transaction**, and the buyer’s bank may impose a lower limit. See the [official Swish Commerce limits FAQ](https://www.swish.nu/faq/company/finns-det-nagra-beloppsbegransningar-for-swish-for-handel).

## Frequently asked questions

### Which banks support Swish?

The six founding banks are Danske Bank, Handelsbanken, Länsförsäkringar, Nordea, SEB, and Swedbank and Sparbankerna. They jointly own Getswish AB. Other banks have joined since 2012, so this is not a complete current participation list. Check Swish’s official information for participating banks and each bank’s customer terms and fees.

### How can merchants accept Swish through Antom?

Enable Swish in your Antom merchant account and integrate with One-time Payments using API-only integration. Antom acts as the acquirer, so your integration is with Antom instead of a direct connection to Swish or Getswish.

### Can a company outside Sweden accept Swish through Antom?

The documented merchant entity locations are the EEA, UK, Hong Kong, and US. The listed acquirers are AntomEU, AntomUK, AntomHK, and AntomUS. A Swedish merchant entity is not required by this documented location list; buyers are in Sweden.

### Which currency does Swish use?

Swish uses Swedish kronor (SEK). Antom lists SEK as the processing currency, and buyers need a Swedish bank account.

### Can Swish payments be refunded?

Yes. Swish through Antom supports full and partial refunds, with a refund period of 365 days.

### Can buyers initiate a chargeback?

No. Chargebacks and disputes are not supported for Swish through Antom. Full and partial refunds are supported.

### What is the maximum amount for a Swish payment?

Antom does not set an acquiring-side cap. The Swish scheme limit is 150,000 SEK per transaction, and banks may set lower limits for their customers. The minimum payment amount listed by Antom is 0.01 SEK.

### Can I use Swish for subscriptions or automatic recurring charges?

No. Swish through Antom does not support Tokenized Payment or Subscription Payment. Only API-only integration for One-time Payments is supported; Hosted Checkout Page, Embedded Checkout Page, Web Element, Mobile Element, Payment links, EasySafePay, and Scan to Link are not supported.