Swish® Fee Calculator Sweden 2026
Calculate transaction fees for Swish Handel (E-Commerce API) and Swish Företag in Swedish Krona (SEK). Live comparison against Stripe Sweden card fees.
Stripe card charges 15.80 kr vs Swish 2.50 kr.
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Pass Fee to Client (Legal Surcharge Engine) Calculate zero-shortfall compliant markup & legal surcharge limits
• United States: Visa & Mastercard cap credit card surcharges at 3.00% (effective April 2023). Surcharging debit or prepaid cards is strictly illegal under federal operating rules.
• UK & European Union: Surcharging consumer debit and credit cards is prohibited under PSD2. B2B / corporate card surcharges remain permitted.
• Australia: Governed by RBA; surcharging is legally restricted strictly to the merchant's actual cost of card acceptance.
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Swish vs Stripe Sweden Fee Benchmark
Direct comparison on SEK transactions (Swish flat 2.50 kr vs Stripe domestic cards 1.4% + 1.80 kr).
| Amount | Swish Handel Fee | Stripe Card (1.4%+1.80kr) | Your Savings | Fee Reduction |
|---|---|---|---|---|
| 100 kr | 2.50 kr | 3.20 kr | +0.70 kr | 21.9% |
| 500 kr | 2.50 kr | 8.80 kr | +6.30 kr | 71.6% |
| 1,000 kr | 2.50 kr | 15.80 kr | +13.30 kr | 84.2% |
| 2,500 kr | 2.50 kr | 36.80 kr | +34.30 kr | 93.2% |
| 5,000 kr | 2.50 kr | 71.80 kr | +69.30 kr | 96.5% |
| 10,000 kr | 2.50 kr | 141.80 kr | +139.30 kr | 98.2% |
| 25,000 kr | 2.50 kr | 351.80 kr | +349.30 kr | 99.3% |
Frequently Asked Questions: Swish Fees Sweden (2026)
Technical specifications, BankID authentication, and merchant pricing for Swedish e-commerce.
What are Swish Företag and Swish Handel fees in Sweden for 2026? ↓
Swish (operated by Getswish AB in partnership with Swedish commercial banks like Swedbank, SEB, Handelsbanken, and Nordea) charges merchants a flat fee per transaction rather than a percentage cut. Swish Handel (e-commerce / API checkout) costs approximately 2.00 kr to 3.00 kr flat per payment (typically 2.50 SEK). Swish Företag (in-store / small business QR) costs approximately 1.50 kr to 2.00 kr flat per payment.
How does Swish compare to Stripe processing fees in Sweden? ↓
Stripe charges 1.40% + 1.80 SEK for standard Swedish domestic cards and up to 2.90% for non-EU cards. On a 1,000 SEK sale, Stripe takes 15.80 SEK, whereas Swish Handel takes only 2.50 SEK flat. On a 10,000 SEK invoice, Stripe takes 141.80 SEK while Swish still takes only 2.50 SEK, saving Swedish businesses over 98% in transaction overhead.
How does customer authentication work with Swish in Sweden? ↓
Swish integrates natively with Swedish Mobile BankID (Mobilt BankID), providing strong customer authentication (SCA) compliance and virtually zero fraud. Customers confirm payments by opening their Swish mobile app and approving with BankID facial recognition or PIN code, settling funds in real time 24/7/365.
What is the settlement speed for Swish Handel transactions? ↓
Swish settles funds instantly into the merchant's Swedish bank account via the RIX real-time settlement system. There are no T+2 or multi-day payout delays; money is available immediately upon customer authorization.
Does Swish support recurring subscription billing in Sweden? ↓
Yes. Swish Återkommande betalningar allows SaaS companies and subscription providers to initiate automated recurring direct debits once the customer completes an initial BankID authorization mandate. Each recurring cycle processes at the standard flat Swish Handel transaction fee.
How are refunds handled on Swish Handel? ↓
Merchants can issue full or partial refunds directly via their e-commerce platform or bank API using Swish Återbetalning. The refunded amount is credited back to the customer's bank account in real time. Swedish banks typically assess a nominal fee (around 1.00 to 2.00 SEK) per refund transaction.
Are there monthly bank maintenance fees for Swish Handel? ↓
Yes. While Swish itself charges flat transaction fees, Swedish acquiring banks (SEB, Swedbank, Handelsbanken, Nordea) typically charge a monthly agreement fee between 40 SEK and 100 SEK per month for Swish Handel merchant certificate access.
Are Swish payments subject to chargebacks or customer disputes? ↓
No. Because every Swish payment is authenticated with cryptographic Mobile BankID signatures directly via the customer's personal bank account, transactions cannot be reversed via credit card chargeback mechanisms. This completely eliminates friendly fraud for Swedish merchants.