Swish for Webshops: Fees and Setup

Swish Handel vs Swish Företag

Getting started through your bank

Swish is owned by the banks and sold through them, so the first step is a conversation with your business bank, not with Swish. The sequence is the same at every bank, though the names of forms differ:

1. Sign the Swish Handel agreement with your bank, linked to your business account and organisation number. A sole trader with F-tax can do this as well as a limited company.
2. Receive your Swish number for Handel and access to the Swish certificate portal.
3. Decide the integration route: a plugin for your platform, a payment service provider that already supports Swish, or a direct integration.
4. Generate the certificate, install it where the integration runs, and run test payments in the Swish test environment before switching to production.
5. Agree internally who handles refunds and who reconciles payouts against orders.

Certificates and technical setup

Swish Handel authenticates your shop with a client certificate rather than an API key. That is more secure and slightly more work: the certificate is created in the Swish portal, has an expiry date, and must be installed on the server or service that talks to Swish. The three integration routes differ mostly in who holds that certificate:

Two details bite in practice: the callback that confirms payment must reach your shop from Swish's servers, so it needs a public, secure endpoint; and the certificate must be renewed before it expires or payments stop without warning. Put the renewal date in the calendar of whoever maintains the shop.

Per-payment fees and how to compare

The Swish Handel fee is a fixed amount per completed payment, agreed with your bank, sometimes with a monthly fee for the service. Because it is fixed rather than a share of the order, the effective cost falls as order value rises and is heavy on very small orders. That shape is what you compare against card and Klarna, whose fees combine a fixed part and a share of the amount.

• Take your median order value and compute each provider's fee on that order, in kronor, using the rates from your own agreements.
• Do the same for a small order and a large one; the ranking often flips between them.
• Add any monthly fees divided by your monthly order count.
• If you use a payment service provider, add its margin on top of the bank's Swish fee; it is often quoted separately.

We do not publish other providers' fees here because they are negotiated per merchant and change. Ask your bank for the Swish Handel rate in writing and compare on your own numbers.

Refunds and reconciliation

Refunds through Swish Handel are made against the original payment, in full or in part, from your shop or plugin, and the customer sees the money in their account almost immediately. The rule to enforce internally is that refunds always go through the integration, never by swishing the customer manually from a phone; the manual route breaks the link between order and payment and turns reconciliation into detective work.

Reconciliation itself is straightforward: Swish payments arrive individually in your business account with a reference, and a payment-by-payment statement is available from the bank. Match them to orders weekly, book the fee separately, and if you run Fortnox or Visma, use an integration or a fixed routine so this never depends on one person's memory. When you do not need help with any of this: a shop on a standard platform with a well-maintained Swish plugin and a bookkeeper who has seen Swish before runs fine without us. Where a store setup or a short call earns its keep is a custom checkout, a mix of providers that no longer reconciles, or a decision on whether Swish should sit beside Klarna or Stripe.

Frequently asked questions