The user stories below act as example to increase the understanding of the service Swish handel on a high level.
This user story describes on a high level how a merchant applies for the service Swish handel.
4. The merchant is now ready for Swish API access.
5. The merchant or the partner needs to generate a csr-file (Certificate Signing Request).
This is normally done by the CPOC.
6. The CPOC logs in to the certificate management system using Mobile BankID, BankID on card or BxID and creates the certificate.
7. The CPOC installs the certificate in the merchant’s server and connects it to Swish API. If needed, Swish support function can assist with the connection.
8. The merchant verifies the connection.
The m-commerce flow should be used when the Swish app is on the same device as the merchant’s mobile site or app – hence a mobile device.
The e-commerce flow should be used when the Swish app is on another device than the merchant’s site.
Consumer wants to dismiss the payment request in the Swish app and clicks on “Avbryt”. The rejected payment request is deleted from the Consumer’s Swish app.
There are two ways to make a refund: through the bank channel or through the API channel. This section describes the API channel on a high level.
As a merchant, I have received a Swish payment and wish for some reason to refund the whole or part of the original amount to the payer.
The merchant chooses which payment that is to be completely or partially refunded. The merchant specifies the refund amount and sends the refund.
The merchant will also be able to send its own information that will be shown to the payer in the event section in the Swish app, and also on the payee bank account statement. The information will also be used by the company for tallying.
The merchant receives a confirmation that the refund has been completed.
As recipient of a refund, the payee receives a payment notification in the Swish app. The payment notification is marked “Återbetalning” in the event section in the Swish app.
Alternative flow – ”payment notification”:
In cases when the recipient of a refund cannot receive data push notifications at the moment, the refund will be visible in the Swish app next time the recipient logs in. The refund will also appear in the recipient´s bank account statement.
Alternative flow – ”refund receiver not connected to Swish”:
In cases when the recipient of a refund has terminated the Swish agreement since the original payment occurred, the merchant will receive an error message stating that the refund cannot be processed. Refund must in this case be done via another channel.