It's not always easy to understand differences in jargon when it comes to technical solutions. Swish is a popular payment method, not least in the cash register. But what is the difference between Swish Företag and Swish Handel, if any?
The main difference between Swish Företag and Handel is how the payment is made.
Swish Handel sends a request to your customer that they approve in their Swish app quickly and easily. This is normal for e-shopping and web stores.
Swish Företag is like an open account, where the customer themselves enter your 123-number and amount to pay in their Swish app. Företag cannot send a request to your customer.
Because of this, Swish Handel is the solution that Onslip cash registers are integrated to. In this integration, firstly a Swish QR code is displayed on the screen. Your customer opens their Swish app and scans the QR code. The amount and everything is already entered and all the customer needs to do is approve the transfer. The cash register will wait for the customer to pay and will automatically keep track that the payment has come in.
If the customer for some reason are not able to scan the QR code, you can manually choose to enter the customer's mobile phone number instead.
This means that Swish Handel is the safer of the two solutions since the cash register itself will confirm that the payment has been made.
Refund payments are also made easier with Swish Handel since the cash register will transfer the money back to the customer's account, but it has to be a refund of an earlier Swish purchase, you are not allowed to transfer money back without a previous purchase. Refunds via Swish Företag will need to be made with your bank.
It is of course possible to create a Swish Företag payment method in the cash register, but be aware that this payment method will not have a technical connection to Swish services, it is only a payment method that exists for your accounting. If Swish Företag is used, the staff need to pay attention that the customer has Swished to the correct number and with the correct amount.
Since the Swish Handel integration is connecting to Swish services over the internet, the Swish Handel payment method cannot be used if the cash register has lost connection to the internet. The Swish Företag payment method does not have this limitation since it does not contact Swish services at all.