Swish is a popular and convenient payment solution - both in physical trade and e-commerce. But it's not always clear what distinguishes Swish Företag from Swish Handel. Here we clarify the differences, especially in the context of checkout systems.
Swish Handel - for integrated and automated payments
Swish Företag is mainly used for e-commerce and physical checkouts with system integration.
- The POS automatically sends a payment request to the customer's Swish app.
- The customer authorises the payment directly - amount and recipient are already filled in.
- The POS monitors and confirms when the payment has gone through.
- Onslip's POS system usually displays a QR code that the customer scans with the Swish app.
- Alternatively, you can send the request to a mobile number if the QR code does not work.
- Returns are handled directly through the checkout and refunds are made to the customer's account, but only when linked to a previous purchase.
Benefits:
- Automated payment and receipt management
- More secure payment flow - the cashier knows when the payment has been received
- Easy handling of returns
Swish Företag - manual and without technical connection
Swish Business works more like an ‘open account’ where the customer manually enters the company's Swish number (123-xxxxxxx) and amount in their app.
- The company cannot send a request - the customer always initiates the payment.
- There is no technical connection between the POS and Swish - the payment is made entirely outside the POS system.
- The cashier can register the payment as a manual payment, but staff must ensure that the customer has paid the correct amount to the correct number.
Keep in mind:
- Returns must be processed through the bank - not the cashier.
- The cashier does not receive automatic confirmation that the payment has been made.
- Works even without an internet connection.
Which solution fits best in the Onslip POS system?
Onslip's POS system is integrated with Swish Handel to offer a secure, automated and smooth payment method - both for you and your customers. The technical connection provides clear confirmation, simplifies receipt management and enables returns directly from the POS.
If you don't have an internet connection, Swish Företag can be used as a backup method, but requires manual handling and control by staff.