Account-to-account
Swish
Sweden's mobile payment standard
Accept Swish on Surfboard for fast, low-cost, account-to-account payments — the dominant payment method in Sweden.
About Swish
Swish is Sweden's mobile payment system, owned by a consortium of major Swedish banks. It moves money directly between bank accounts in seconds via BankID authentication. Adoption is near-universal among Swedish consumers — over 80% use Swish regularly. Surfboard supports Swish for both in-store (QR or send-to-phone) and online checkout.
When to enable Swish
Mandatory for any merchant operating in Sweden. Many Swedish consumers expect Swish as the default payment option and may abandon checkout if it's missing — particularly for small in-store transactions and online purchases.
Customer base
Swedish consumers (essentially all banked adults). Particularly strong among younger demographics where Swish often replaces cash.
What merchants build with Swish
Common use cases where partners and merchants enable this method through Surfboard.
Online checkout for Swedish e-commerce
Small-value in-store transactions where customers prefer not to use cards
Peer-style payments at events, markets, food halls
QR-based payments at unattended kiosks
Invoicing flows with Swish payment links
How to accept Swish on Surfboard
Swish runs on the same Payment Methods system as every other method on Surfboard. Enable it per merchant, store, or terminal — through the portal or the API, no re-deployment required.
Enable in the portal or via API
Partners flip Swish on for their merchants in the Partner Portal, merchants enable it for their own stores in the Merchant Portal, and developers can do the same programmatically through the Payment Methods API. Surfboard handles scheme registration where required.
Available everywhere
Becomes available immediately on the channels Swish supports — in-store terminals, online checkout, SoftPOS, and unattended where applicable.
One settlement
Swish transactions roll into the same settlement reports as every other payment method on the platform — no separate reconciliation pipeline.
