How to use Swish for WooCommerce

In this guide, you’ll learn how to use Swish in your WooCommerce store to give your customers an easy way to pay.

Swish is a mobile payment solution that allows you to quickly and easily transfer money directly from your bank account to someone else by simply entering the recipient’s number.

With Swish, you no longer need an account number, you only need to enter the recipient’s mobile phone number (payment to individuals) or Swish number (payment to companies, associations and organisations)

Swish and its affiliated banks usually offer two different services in addition to their private service. These are usually called Swish Business & Swish Commerce. So what are the differences between them?

Swish Business

Here you get a Swish number linked to your company and the number starts with 123 xxx yyy, here it is common that there is only a transaction fee for payments received. The cost of each payment received is usually a few kronor. Somewhere between SEK 1-3. Please note that all pricing is different between all banks.

Swish Business is suitable for single manual payments that need to be checked manually.

Here, the customer can enter the amount, recipient and reference message themselves.

Swish Trade

This is the service for those who have an e-commerce or a system where you want to automate and avoid checking payments manually.

The pricing structure looks a little different compared to Swish Business at most banks, a common example may be that it looks like this:

Please note that the pricing above is only an example and that it may differ between the different banks. It is of course possible to negotiate other prices depending on the amount of transactions and business arrangements.

With Swish Commerce, the customer opens their Swish app and a pre-filled box appears with the amount, recipient & reference. The customer only needs to sign and the e-commerce is automatically notified in case of successful / unsuccessful purchase all automatically.

Requirements from Swish (applies to Swish Commerce)

• There must be a valid SSL certificate on your website (Https)
• There should be clear terms of purchase on the page.

What is an SSL certificate?

An SSL certificate is used to encrypt communication between a client and a server. For example, a browser and a web page. This means that no one else can listen in and intercept sensitive data such as payment information and customer details.

Swish Commerce also supports certificates issued by Let’s Encrypt, which can be useful to know as many web hosts offer these certificates at no extra cost.

Technical details / Hosting requirements

As many payment solutions usually only require you to send a username (client_key) & password (client_secret), Swish’s solutions differ here from most players. Swish handles the authorisation via its own certificates.

In short, the solution is that you request a client certificate via a Swish portal at bankgirot, where we also retrieve a server certificate.

We then send these certificates with each call to Swish. Depending on how the server where you host your e-commerce is configured, the installation steps differ.

Swish as a payment method in WooCommerce

The plugin available to connect Swish Commerce & WooCommerce can be purchased from Redlight media at https://redlight.se/downloads/swish-for-handel-automatisk/

The installation steps in general look like this:

• Download the plugin and upload in your WordPress installation
• Log in to the Swish portal(https://portal.swish.nu/company/certificates)
• Create a Certificate Signing Request (CSR), this is usually done via the web hosting control panel or directly via SSH on the server.
• Copy the CSR to the Swish portal
• Also, make sure to save the key (KEY) you received at the end of the previous step as it will be used later.
• Retrieve the Certificate from the Swish portal in PEM format
• If your web server uses OpenSSL (you can see this under WooCommerce->System Status), you should add your key to the certificate. If your web server uses NSS, you need to log in via SSH and add the certificates. This is common if you have your own VPS.
• Enter your details under the settings for the extension:
  WooCommerce -> Checkout -> Swish commerce
• Complete a test purchase.

The full installation guide for Swish Commerce can be found on the Redlight Media website.
https://redlight.se/installationsguide-for-swish-handel/