Swish
国家/地区: 瑞典 (SE) | 底层清算轨道: real_time_payment
RealTimePayment
市场普及率: 35%
Swish 是瑞典占据统治地位的国民级移动即时支付系统，以手机号直连银行账户和 Mobilt BankID 瞬时认证为核心，广泛用于电商结账、线下扫码及个人间即时转账。
🔄 用户付款交互流 (User Flow)
- User selects Swish at checkout on desktop or mobile
- On desktop, dynamic Swish QR code is presented; on mobile, Swish app opens via deep link
- User verifies merchant name and amount in Swish app
- User signs payment using Mobile BankID (Mobilt BankID)
- Funds transfer immediately and order is confirmed instantaneously
⚙️ 支付与结算特征
| 即时清算 | YES |
| 扫码支付 (QR) | YES |
| 订阅自动代扣 | YES |
| 退款支持 | YES |
🛠️ 商户端标准集成步骤 (Merchant Integration)
- Merchant initiates payment order via Swish E-Commerce API or certified PSP (Adyen, Stripe, Nets)
- Customer authorizes charge using Mobilt BankID
- Swish clearing engine executes real-time settlement over Riksbank RIX rail
- Merchant receives synchronous API callback confirming payment completion
🚀 支持集成该渠道的主流收单服务商 (Supported PSPs)
🔌 Stripe🔌 Adyen