Swish

Swish is a smart and secure payment app that allows consumers to pay online, in store and exchange money with friends. The app is easily usable by consumers, where they simply join using their mobile numbers and connect their bank accounts for payments. Named Sweden's strongest brand for five consecutive years, Swish is the preferred way to pay for Swedish consumers.

Why Swish

Top Brand Recognition: Swish was named Sweden’s strongest brand for five consecutive years in YouGov’s Global Best Brand Rankings.

Preferred Payment Method: With 8.8 million users, Swish is the preferred way to pay for Swedish consumers.

Strong Market Presence and Rapid Growth: Swish boasts a 99% coverage in the age span 18–67, processed over 1.1 billion transactions in 2025, and 8% merchant growth from 2024-2025.

Specifications

Coverage

Consumer Sweden
Merchant Global

Currencies

Consumer SEK
Processing SEK
Settlement SEK

Features

Recurring payments
One-click payments
In-store/POS
Refunds
Partial refunds
Multiple partial refunds
Payment assurance
Chargeback risk

Payment flow

Want to integrate Swish onto your platform?

Get in touch

Swish Recurring

New flow

Swish Recurring lets merchants automatically bill Swedish subscribers in SEK after a quick, one-time setup. The customer authorizes the recurring payment agreement just once in the Swish app using BankID – either by scanning a QR code, tapping a link, or responding to a push notification. From then on, all future subscription payments are collected automatically without requiring any further action from the customer.

Why Swish Recurring

Sweden’s leading mobile wallet, now with recurring billing, not just one-off payments

Lets merchants bill subscribers on the payment method consumers already prefer

No need to push customers onto a card or direct debit for renewals

Specifications

Coverage

Consumer Sweden
Merchant Global

Currencies

Consumer SEK
Processing SEK
Settlement SEK

Features

Recurring payments
One-click payments
In-store/POS
Refunds
Partial refunds
Multiple partial refunds
Payment assurance
Chargeback risk

How it works

1 Merchant

The consumer selects Swish as their payment method at checkout.

2 Payment method

They confirm with BankID, giving the merchant permission to charge their Swish account for this agreement.

3 Payment method

The payment method is added, and the merchant can take the first payment immediately or later, depending on the agreement type.

4 Merchant

Every later payment is collected automatically, with no further action from the consumer.

Want to integrate Swish Recurring onto your platform?

Get in touch