How to Open a Swish Merchant Account & Connect to Shopify
Complete Guide: Swish Merchant Setup for Swedish Businesses
Swish is Sweden's most popular mobile payment method, used by over 8 million Swedes. This comprehensive guide walks you through opening a Swish Handel (merchant) account as a Swedish business and seamlessly connecting it to your Shopify store using CartDNA's Swish payment app.
Ready to start accepting Swish payments on your Shopify store?
Requirements for Swish Merchant Account
Before applying for a Swish Handel account, ensure you meet these essential requirements:
Business Registration
A registered Swedish company or sole proprietorship (enskild firma) with valid organisationsnummer
Swedish Bank Account
Active corporate bank account with a supported Swedish bank (Swedbank, SEB, Handelsbanken, Nordea)
BankID Authentication
Valid BankID for secure authentication and certificate management
Business Mobile Number
Dedicated mobile number for Swish merchant account connection
Step 1: Apply for Swish Handel (Merchant Account)
Contact Your Swedish Bank
Reach out to your business bank to request a Swish Handel (Swish for merchants) account. This is a specialized merchant service, different from personal Swish accounts.
Required Documentation
Prepare these essential details for your application:
Company registration number (organisationsnummer)
Business bank account details and account statements
Contact information including business mobile number
Business purpose and expected transaction volume
Receive Your Swish Merchant Number
Upon approval, you'll receive a unique Swish number (123xxxxxxx) linked to your business account. This number is used for receiving payments from customers.
Enable API Access
Request your bank to enable API access for e-commerce integration. This is essential for connecting Swish to your Shopify store through CartDNA.
Step 2: Connect Swish to Shopify with CartDNA
Install CartDNA Swish App
Visit the Shopify App Store and install the CartDNA Swish Payment Gateway app to your store.
Configure Swish Payee Alias
Add your Swish Payee Alias (123xxxxxxx) to the CartDNA Swish app configuration section in your Shopify admin.
Request CSR from CartDNA
Contact CartDNA support team to provide you with a Certificate Signing Request (CSR) needed to generate your Swish local certificate.
Upload Swish Certificate
Once you've created your local Swish certificate, upload the .pem file to the CartDNA app's custom configuration section.
Activate the Application
Update and activate the app in Shopify. After redirection, remember to activate the app again to ensure proper functionality.
Enable Live Mode
Contact CartDNA support team via WhatsApp to activate live mode for your Swish integration.
How to Create Your Local Swish Certificate
Follow these detailed steps to generate your Swish certificate through your Swedish bank:
Order Swish Handel Service
Contact your bank (via phone or online banking) to request a Swish Handel agreement. Have your BankID or digipass ready for authentication. You'll receive access to the Swish Certificate Manager portal.
Register Certificate Responsible Person
During your application, appoint someone in your organization as responsible for managing certificates. Your bank will register this person and grant appropriate access rights.
Access Swish Certificate Manager
Visit the Swish Certificate Portal (some banks may have their own portals). Authenticate using BankID, enter your organization number, SSN, and Swish merchant number.
Generate Certificate Using CartDNA CSR
Revoke any existing certificates if required
Click "New Certificate" and skip the CSR creation step
Paste the CSR provided by CartDNA team
Generate certificate in .pem format
Download the PEM certificate file for upload to CartDNA
Important Tips for Success
Processing Time
Swish Handel approval typically takes 3-5 business days. Plan accordingly for your store launch.
Certificate Security
Keep your Swish certificates secure and renew them before expiration to maintain payment functionality.
Support Available
CartDNA support team is available to assist with technical setup and troubleshooting throughout the process.
Need Help Setting Up Swish Payments for Your Shopify Store?
Our Swedish payment experts are ready to guide you through every step of the Swish integration process, from merchant account setup to going live.