The Payment Link can be implemented for payment instruments listed below, using the Redirect platform and Swedbank Pay hosted payment page.
When the payer starts the purchase process in your merchant or webshop site, you
need to make a
POST request towards Swedbank Pay with your Purchase
information. You receive a Payment Link (same as redirect URL) in response.
You have to distribute the Payment Link to the payer through your order system, using channels like e-mail or SMS.
When sending information in e-mail/SMS, it is strongly recommended that you add information about your terms and conditions, including purchase information and price. See recommendations in the next section.
When the payer clicks on the Payment Link, the Swedbank Pay payment page will open, letting him or her enter the payment details (varying depending on payment instrument) in a secure Swedbank Pay hosted environment.
When paying with credit card and if required, Swedbank Pay will handle 3-D Secure authentication.
After completion, Swedbank Pay will redirect the browser back to your merchant/webshop site.
callbackURL is set the merchant system
will receive a callback from Swedbank Pay, enabling you to make a
towards Swedbank Pay with the
id of the payment received in the first step,
which will return the purchase result.
When you as a merchant sends an e-mail or SMS to the payer about the Payment Link, it is recommended to include contextual information which helps him or her understand what will happen when clicking the Payment Link. We recommend that you include the following:
- The name of the merchant/shop initiating the payment
- An understandable product description, describing what kind of service the payer will pay for.
- Some order-id (or similar) that exists in the merchant’s order system.
- The price and currency.
- Details about shipping method and expected delivery (if physical goods will be sent to the payer).
- A link to a page with the merchant’s terms and conditions (such as return policy) and information about how the payer can contact the merchant.
- Details informing that the payer accepts the Terms & Conditions when clicking on the Payment Link.
We recommend that you send an e-mail or SMS confirmation to the payer with a receipt when the payment has been fulfilled.
The API requests depend on the payment instrument you are using when
implementing the Payment Link scenario, see purchase flow.
One-phase payment instruments will not implement
The options you can choose from when creating a payment with key
Purchase are listed below.
When clicking the payment link, the payer will be directed to a payment page similar to the examples below, where payment information can be entered.
All valid options when posting a payment with operation
are described in each payment instrument’s respective API reference.
Please see the general sequence diagrams for more information about payments
in one-phase (e.g. Swish and credit card with autocapture) and
two-phase (e.g. Card, MobilePay Online,
When using two-phase payment instruments you reserve the amount with an
authorization, and you will have to specify that the intent of the purchase
Authorize. The amount will be reserved but not charged. You have to make a
Cancel request later (i.e. when you are ready to ship the
Capture can only be performed on a payment with a successfully authorized transaction. It is possible to do a part-capture where you only capture a smaller amount than the authorized amount. You can do more captures on the same payment up to the total authorization amount later.
If you want the credit card to be charged right away, you will have to specify
that the intent of the purchase is
AutoCapture. The card will be charged and
you don’t need to do any more financial operations to this purchase.
Cancel can only be done on an authorized transaction. If you cancel after doing a part-capture you will cancel the difference between the captured amount and the authorized amount.
Reversal can only be done on a payment where there are some captured amount not yet reversed.
When implementing the Payment Link scenario, it is optional to set a
callbackURL in the
POST request. If
callbackURL is set Swedbank Pay will send a request to this URL when the
payer has completed the payment. See the Callback API description
The sequence diagrams display the high level process of the purchase, from generating a Payment Link to receiving a Callback.
This in a generalized flow as well as a specific 3-D Secure enabled credit card scenario.
Please note that the the callback may come either before, after or in the same moment as the payer is redirected to the status page at the merchant site when the purchase is fulfilled. Don’t rely on the callback being timed at any specific moment.
When dealing with card payments, 3-D Secure authentication of the cardholder is an essential topic. There are three alternative outcomes of a card payment:
- 3-D Secure enabled - by default, 3-D Secure should be enabled, and Swedbank Pay will check if the card is enrolled with 3-D Secure. This depends on the issuer of the card. If the card is not enrolled with 3-D Secure, no authentication of the cardholder is done.
- Card supports 3-D Secure - if the card is enrolled with 3-D Secure, Swedbank Pay will redirect the cardholder to the authentication mechanism that is decided by the issuing bank. Normally this will be done using BankID or Mobile BankID.
sequenceDiagram activate Payer Payer->>-MerchantOrderSystem: payer starts purchase activate MerchantOrderSystem MerchantOrderSystem->>-Merchant: start purchase process activate Merchant Merchant->>-SwedbankPay: POST [payment] (operation=PURCHASE) activate SwedbankPay note left of Merchant: First API request SwedbankPay-->>-Merchant: payment resource with payment URL activate Merchant Merchant-->>-MerchantOrderSystem: Payment URL sent to order system activate MerchantOrderSystem MerchantOrderSystem-->>-Payer: Distribute Payment URL through e-mail/SMS activate Payer note left of Payer: Payment Link in e-mail/SMS Payer->>-SwedbankPay: Open link and enter payment information activate SwedbankPay opt Card supports 3-D Secure SwedbankPay-->>-Payer: redirect to IssuingBank activate Payer Payer->>IssuingBank: 3-D Secure authentication process Payer->>-SwedbankPay: access authentication page activate SwedbankPay end SwedbankPay-->>-Payer: redirect to merchant site activate Payer note left of SwedbankPay: redirect back to merchant Payer->>-Merchant: access merchant page activate Merchant Merchant->>-SwedbankPay: GET [payment] activate SwedbankPay note left of Merchant: Second API request SwedbankPay-->>-Merchant: payment resource activate Merchant Merchant-->>-Payer: display purchase result
- If the payment enable a two-phase flow (
Authorize), you will need to implement the
- It is possible to “abort” the validity of the Payment Link. See the Abort description here.
- For reversals, you will need to implement the
- When implementing the Payment Link scenario, it is optional to set a
callbackURLis set Swedbank Pay will send a postback request to this URL when the payer has completed the payment. See the Callback API description here.