Attributes

• METHOD TYPEBank Transfer
• PAYMENTS
• PAYOUTS
• REFUNDS
• RECURRING

Introduction

Swish is a digital payment platform designed to offer a fast, secure, and convenient way to manage money and make transactions. It is widely used in Sweden, allowing users to easily send and receive money using only their mobile phones. The service is directly linked to users’ bank accounts and operates in real-time, making it ideal for everything from splitting bills with friends to paying for services and goods both online and in stores.

Supported Countries

• Sweden

Supported Currencies

• SEK

Payment (Deposit) Flow

Follow these steps to perform a payment using Nuvei REST API integration:

1. Generate a sessionToken

Press here for details.

2. Send a /payment Request

Perform the payment by sending a /payment request with its mandatory parameters including:

• userTokenId
• amount
• currency: “SEK“
• paymentOption.alternativePaymentMethod block containing:
  • paymentMethod: “apmgw_Swish“
  • IBP_national_id
• deviceDetails block containing: ipAddress
• billingAddress block containing: firstName, lastName,  country, email – country must be SE.
• userDetails block containing: firstName, lastName, country, email – country must be SE.

Example /payment Request

{
  "sessionToken": "<sessionToken from /getSessionToken>",
  "merchantId": "<your merchantId>",
  "merchantSiteId": "<your merchantSiteId>",
  "clientRequestId": "<unique request ID in merchant system>",
  "amount": "200",
  "currency": "SEK",
  "userTokenId": "<unique customer identifier in merchant system>",
  "clientUniqueId": "<unique transaction ID in merchant system>",
  "paymentOption": {
    "alternativePaymentMethod": {
      "paymentMethod": "apmgw_Swish",
      "IBP_national_id": "19810101-0000"
    }
  },
  "deviceDetails": {
    "ipAddress": "<customer's IP address>"
  },
  "billingAddress": {
    "firstName": "John",
    "lastName": "Smith",
    "country": "SE",
    "email": "[email protected]"
  },
  "userDetails": {
    "firstName": "John",
    "lastName": "Smith",
    "country": "SE",
    "email": "[email protected]"
  },
  "timeStamp": "<YYYYMMDDHHmmss>",
  "checksum": "<calculated checksum>"
}

The response generates and returns a redirect URL (redirectUrl) to redirect the customer to the payment page, as well as a UPO (userPaymentOptionId) for use in future transactions.

Example /payment Response

{
  "internalRequestId": 40321021,
  "status": "SUCCESS",
  "errCode": 0,
  "reason": "",
  "merchantId": "5416795427517477813",
  "merchantSiteId": "186111",
  "version": "1.0",
  "clientRequestId": "20240419161958",
  "sessionToken": "8343a532-e825-49e9-9c40-78d5736d52a2",
  "orderId": "42938811",
  "paymentOption": {
    "redirectUrl": "https://checkout-sandbox.zimpler.net/v4/se/deposit/1b980ce594ea4efe0217",
    "userPaymentOptionId": "2153232561",
    "card": {}
  },
  "transactionStatus": "REDIRECT"
}

After the transaction is processed, Nuvei sends a Direct Merchant Notification (DMN) that includes the result of the transaction to urlDetails.notificationUrl, which Nuvei recommends including in the /payment request.

Example Payment DMN with Status=APPROVED

...'ppp_status=OK&Status=APPROVED&ExErrCode=0&ErrCode=0&errApmCode=0&errApmDescription=&errScCode=0&errScDescription=&Reason=&ReasonCode=0&PPP_TransactionID=42938811&userid=&merchant_unique_id=&customData=&productId=&first_name=Fname&last_name=Lname&email=test%40mymail.com&currency=SEK&customField1=&customField2=&customField3=&customField4=&customField5=&customField6=&customField7=&customField8=&customField9=&customField10=&customField11=&customField12=&customField13=&customField14=&customField15=&invoice_id=&address1=Sancho+el+fuerte+15&address2=&country=Sweden&state=&city=Madrid&zip=%24%7BzipU%7D&phone1=0987654321&phone2=&phone3=&client_ip=93.146.254.172&nameOnCard=&cardNumber=&bin=&noCVV=&acquirerId=&acquirerBank=ZimplerMS-PI&expMonth=&expYear=&Token=&tokenId=&AuthCode=&AvsCode=&Cvv2Reply=&shippingCountry=&shippingState=&shippingCity=&shippingAddress=&shippingZip=&shippingFirstName=&shippingLastName=&shippingPhone=&shippingCell=&shippingMail=&total_discount=0.00&total_handling=0.00&total_shipping=0.00&total_tax=0.00&buyButtonProductBundleId=&merchant_site_id=186111&merchant_status=&action=&requestVersion=&message=APPROVED&merchantLocale=&unknownParameters=&payment_method=apmgw_Swish&ID=&merchant_id=5416795427517477813&responseTimeStamp=2024-04-19.13%3A20%3A36&buyButtonProductId=&webMasterId=&appliedPromotions=&uniqueCC=&transactionType=Sale&externalEmail=&cardCompany=&eci=&userPaymentOptionId=&TransactionID=2610000000000021338&externalTransactionId=1b980ce594ea4efe0217&APMReferenceID=5323D35BF5611BFA4E054E52123EBA6F&orderTransactionId=24342911&totalAmount=10.00&dynamicDescriptor=hristo+descriptor&item_name_1=NA&item_number_1=&item_amount_1=10.00&item_quantity_1=1&item_discount_1=0.00&item_handling_1=0.00&item_shipping_1=0.00&feeAmount=&amountWithoutFee=&houseNumber=&customCurrency=&type=DEPOSIT&clientRequestId=20240419161958&relatedTransactionId=&sessionId=683848d005c89d7f13d175fef3ff&responsechecksum=5b7e3c0847db0b9226181141614e6d07c1bed66545ef4010012386fd31909d8d&advanceResponseChecksum=f26f81d6f86d86d00395f36562aab3bb3dbfaef1347e1236f153ef41ada84f8c',

Example Payment DMN with Status=PENDING

...'ppp_status=PENDING&Status=PENDING&ExErrCode=0&ErrCode=0&errApmCode=0&errApmDescription=&errScCode=0&errScDescription=&Reason=&ReasonCode=0&PPP_TransactionID=42938811&userid=&merchant_unique_id=&customData=&productId=&first_name=Fname&last_name=Lname&email=test%40mymail.com&currency=SEK&customField1=&customField2=&customField3=&customField4=&customField5=&customField6=&customField7=&customField8=&customField9=&customField10=&customField11=&customField12=&customField13=&customField14=&customField15=&invoice_id=&address1=Sancho+el+fuerte+15&address2=&country=Sweden&state=&city=Madrid&zip=%24%7BzipU%7D&phone1=0987654321&phone2=&phone3=&client_ip=93.146.254.172&nameOnCard=&cardNumber=&bin=&noCVV=&acquirerId=&acquirerBank=ZimplerMS-PI&expMonth=&expYear=&Token=&tokenId=&AuthCode=&AvsCode=&Cvv2Reply=&shippingCountry=&shippingState=&shippingCity=&shippingAddress=&shippingZip=&shippingFirstName=&shippingLastName=&shippingPhone=&shippingCell=&shippingMail=&total_discount=0.00&total_handling=0.00&total_shipping=0.00&total_tax=0.00&buyButtonProductBundleId=&merchant_site_id=186111&merchant_status=&action=&requestVersion=&message=PENDING&merchantLocale=&unknownParameters=&payment_method=apmgw_Swish&ID=&merchant_id=5416795427517477813&responseTimeStamp=2024-04-19.13%3A20%3A27&buyButtonProductId=&webMasterId=&appliedPromotions=&uniqueCC=&transactionType=Sale&externalEmail=&cardCompany=&eci=&userPaymentOptionId=&TransactionID=2610000000000021338&externalTransactionId=1b980ce594ea4efe0217&APMReferenceID=5323D35BF5611BFA4E054E52123EBA6F&orderTransactionId=24342911&totalAmount=10.00&dynamicDescriptor=hristo+descriptor&item_name_1=NA&item_number_1=&item_amount_1=10.00&item_quantity_1=1&item_discount_1=0.00&item_handling_1=0.00&item_shipping_1=0.00&feeAmount=&amountWithoutFee=&houseNumber=&customCurrency=&type=DEPOSIT&clientRequestId=20240419161958&relatedTransactionId=&sessionId=683848d005c89d7f13d175fef3ff&responsechecksum=af847b552e38b63f61a11323fa1ec59942d0021499f37ccf694c4112ae1f5f46&advanceResponseChecksum=5a8773c33096b8699b07cfb9c1aa82ad477f72f0d46c37e2b8dc9e54779cd502',

Payout (Withdrawal) Flow

Send a /payout request and include the userTokenId and userPaymentOptionId, which contains the user’s previously stored APM account details. Press here for an example.

After the transaction is processed, Nuvei sends a DMN that includes the result of the transaction to urlDetails.notificationUrl, which Nuvei recommends including in the /payout request.

Example Payout DMN with Status=Approved

...'ppp_status=OK&Status=APPROVED&ExErrCode=0&ErrCode=0&errApmCode=0&errApmDescription=&errScCode=0&errScDescription=&Reason=&ReasonCode=&PPP_TransactionID=42941071&userid=123Swish8&merchant_unique_id=12345&customData=hristo_tr_test&productId=&first_name=&last_name=&email=&currency=SEK&clientUniqueId=12345&customField1=&customField2=&customField3=&customField4=&customField5=&customField6=&customField7=&customField8=&customField9=&customField10=&customField11=&customField12=&customField13=&customField14=&customField15=&invoice_id=&address1=&address2=&country=&state=&city=&zip=&phone1=&phone2=&phone3=&client_ip=&nameOnCard=&cardNumber=&bin=&noCVV=&acquirerId=&expMonth=&expYear=&Token=&tokenId=&AuthCode=&AvsCode=&Cvv2Reply=&shippingCountry=&shippingState=&shippingCity=&shippingAddress=&shippingZip=&shippingFirstName=&shippingLastName=&shippingPhone=&shippingCell=&shippingMail=&total_discount=0.00&total_handling=0.00&total_shipping=0.00&total_tax=0.00&buyButtonProductBundleId=&merchant_site_id=186111&merchant_status=&action=&requestVersion=&message=APPROVED&merchantLocale=&unknownParameters=&payment_method=apmgw_Swish&ID=&merchant_id=5416795427517477813&responseTimeStamp=2024-04-22.07%3A34%3A48&buyButtonProductId=&webMasterId=&appliedPromotions=&uniqueCC=&transactionType=Credit&externalEmail=&cardCompany=&eci=&user_token_id=123Swish8&userPaymentOptionId=2153197221&TransactionID=2610000000000021535&externalTransactionId=f92b3e3f-bdc0-4ea0-a0a1-92e500c160e7&totalAmount=10.0&dynamicDescriptor=hristo+descriptor&feeAmount=&houseNumber=&customCurrency=&upoRegistrationDate=20240422&type=DEPOSIT&clientRequestId=&relatedTransactionId=&responsechecksum=3a4559644fe478714363ea878064ac53f29a415ac9181dd6bf61f798f642d1ba&advanceResponseChecksum=b08a1593d0d6c063ee441480af72d98c267cfc6b2580896abcf5f65d7f2c8f69',

User Experience

Payment

The user is redirected to the Swish website and a QR code appears.

Sandbox

In the sandbox environment, the transaction is simulated for approval or decline and the process ends here.

Production

In the production environment, the process continues.

The user should have the Swedish BankID mobile app installed.

Using the Swish mobile app, the user scans the QR code and completes the payment.

Testing

Test credentials and testing scenarios can be provided by Nuvei if necessary. You can contact Nuvei support for assistance.