Commerce Payments

This guide covers everything you need to know to integrate Swish commerce payments through the Ping Payments API.

Swish is a Swedish mobile payment system. Commerce payments come in two flavors:

E-Commerce: The customer provides their phone number at checkout and receives a push notification in the Swish app.
M-Commerce: The customer is on a mobile device and is redirected directly to the Swish app (or scans a QR code).

Supported Currency

SEK — Swish only supports Swedish Krona.

M-Commerce Payments

In the m-commerce flow, the customer's phone number is not known upfront. Instead, the API returns a URL and token that can be used to open the Swish app directly (via deep link) or to generate a QR code.

Customer on mobile: Use the returned url deep link to open the Swish app directly on the customer's device.

Customer on desktop: Set use_qr_code to true and display the returned QR code. The customer scans it with their phone to open the Swish app.

Flow

You initiate a payment with provider: "swish" and method: "m_commerce".
The response contains a url (Swish app deep link) and a payment_request_token.
If the customer is on mobile, redirect them to the url to open the Swish app. If the customer is on desktop, display the QR code (requires use_qr_code: true).
Customer confirms the payment with BankID in the Swish app.
Payment status is delivered via the standard Ping Payments callback.

Required Parameters

Parameter	Type	Description
`message`	`string`	Message shown to the payer in the Swish app. Max 50 characters. Allowed characters: 0-9 A-Z a-z Å Ä Ö å ä ö ! ? ( ) , - . : ; " @ and space.

Optional Parameters

Parameter	Type	Default	Description
`use_qr_code`	`boolean`	`false`	Set to `true` to generate a QR code for the payment
`qr_format`	`string`	`"transparent_svg"`	QR code image format. One of: `transparent_svg`, `transparent_png`, `solid_jpg`, `solid_svg`, `solid_png`
`qr_size`	`integer`	`300`	QR code image size in pixels. Minimum `300`
`qr_border`	`integer`	`1`	QR code border size in pixels. Range: `1`–`4`

Example Request

{
  "currency": "SEK",
  "method": "m_commerce",
  "order_items": [
    {
      "amount": 10000,
      "merchant_id": "{{merchantId}}",
      "name": "Product A"
    }
  ],
  "provider": "swish",
  "total_amount": 10000,
  "provider_method_parameters": {
    "message": "Order #12345",
    "use_qr_code": true,
    "qr_format": "solid_png",
    "qr_size": 400
  }
}

Example Response

{
  "id": "15c44587-7ebb-43a3-b437-8d00e5f8df7a",
  "provider_method_response": {
    "url": "swish://paymentrequest?token=abc123...",
    "payment_request_token": "abc123...",
    "qr_code": "<base64-encoded image data>"
  }
}

Field	Description
`url`	Deep link URL to open the Swish app on the customer's device
`payment_request_token`	Token identifying the payment request. Can be used to build custom Swish URLs
`qr_code`	Base64-encoded QR code image. Only present if `use_qr_code` was `true`

E-Commerce Payments

In the e-commerce flow, the customer enters their Swish-connected phone number during checkout. A push notification is sent to the customer's Swish app, where they confirm the payment using BankID.

Flow

Customer enters their phone number at checkout.
You initiate a payment with provider: "swish" and method: "e_commerce".
Swish sends a push notification to the customer's Swish app.
Customer opens the Swish app and confirms the payment with BankID.
Payment status is delivered via the standard Ping Payments callback.

Required Parameters

Parameter	Type	Description
`phone_number`	`string`	Swish-connected phone number of the payer. Swedish format, e.g. `"0739000001"` or `"+46739000001"`
`message`	`string`	Message shown to the payer in the Swish app. Max 50 characters. Allowed characters: `0-9 A-Z a-z Å Ä Ö å ä ö ! ? ( ) , - . : ; " @` and space

Example Request

{
  "currency": "SEK",
  "method": "e_commerce",
  "order_items": [
    {
      "amount": 10000,
      "merchant_id": "{{merchantId}}",
      "name": "Product A"
    }
  ],
  "provider": "swish",
  "total_amount": 10000,
  "provider_method_parameters": {
    "phone_number": "0739000001",
    "message": "Order #12345"
  }
}

Example Response

{
  "id": "15c44587-7ebb-43a3-b437-8d00e5f8df7a"
}

The e-commerce response contains no additional provider_method_response fields. The payment is confirmed entirely through the Swish app push notification.

Refunds

Swish commerce payments support refunds through the standard Ping Payments refund flow. Refunds are processed asynchronously.