Get Started

The Basics

Everything you need to set up a basic payment integration

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Get Started is a guide for the native API implementation of Digital Payments. Modules and SDKs have their own section.


To start integrating Swedbank Pay Digital Payments, you need the following:

  • HTTPS enabled web server.
  • Agreement that includes Swedbank Pay Checkout.
  • Obtained credentials (Merchant Access Token) from Swedbank Pay through the Merchant Portal.

There are two versions of Digital Payments available in production at the moment: v3.0 and v3.1. Collectively we refer to them as v3.x. If we use v3.x instead of a specific version number, this means that the text paragraph, feature section or code example applies to all Digital Payments versions. Unless stated otherwise by the presence of a separate v3.1 section, there are no differences between the two alternatives.

If youre a new merchant currently getting started, you should implement v3.1. If you are an existing merchant we recommend migrating to v3.1, but you are still able to use v3.0. Reach out to your technical contact person for guidance regarding this.

The Basic Implementation

The basic payment integration consists of 4 main steps. Creating the payment, displaying the payment UI, verifying the payment status and post-purchase actions. Don’t hesitate with contacting us for further integration support.

Depending on the payment method used, the payments are either one-phase or two-phase transactions. Swish and Trustly have one-phase payments, the rest of the payment methods are two-phased. One-phase payments are completed and the funds are transferred in one operation. They will be tagged as Sale transactions. Two-phase payments need two operations (Authorization and Capture) before funds are transferred. Read more about differences in handling when you get to the post-purchase section.

Implementation steps

Initiate a Payment The first step is to initiate a payment. You have a selection of setups and use cases depending on your business model, like recurring and one-click payments - for now we’ll stick to the basic payment.
Display UI Present a UI for your end user and customize for your needs. The main choice you have to make is between the seamless view or redirect integration. There are pros and cons to both.
Validate Status Validate the status of the purchase in order to take the right action before acting on the payment response.
Post-Purchase actions After a successful purchase, you can perform actions like capturing the funds (Trustly and Swish do not require this), cancelling the transaction or do reversals.

Get Ready To Go Live

When you feel ready and have made transactions with all of your selected payment methods, there are a few more steps that remain before your integration is cleared to run in a production environment. Our teams are ready to assist you.

Acceptance tests

We need access to your test environment in order to perform transactions. Before we do acceptance tests you need to make sure the following is in place:

  • That you receive order confirmations/receipts by e-mail that contain order number, transaction number, price and the merchant/store’s contact information.
  • If you intend to use unscheduled or recur purchases, you need to be able to send requests for deleting tokens.
  • Make sure that you can handle network tokens by using our test cards for that specific case.
  • If you expose any transactional data or information such as masked PANs - an example could be a “My page” with content regarding stored details or subscriptions - make sure you display the correct information, and take into account that details can be changed by the issuer if the card is enrolled for network tokenization.

Contract details

If you are unsure if the contract is ready, you can check the status with our setup team by sending them an e-mail with your organization number included.

Test in production

We recommend you to test the integration and do transactions in a closed production environment before you go live.

Settlement and reconciliation

To see how your reports will look, you can check out our sample reports. You’ll find them in the Settlement & Reconciliation section.

No need to worry about these steps just yet. We will walk you through everything when we get there.