Payment methods by country · Payment methods
How do Swedes pay online?
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Swedes pay online most often by debit card, then with Swish and buy now, pay later services, according to the Riksbank's 2024 Payments Report. Swish is a real-time payment approved in the Swish app and the Swedish BankID app; on a computer the shopper scans a QR code. Klarna offers pay in full, pay later in 30 days and financing up to 36 months in kronor.
- Currency
- Swedish krona (SEK)
- Online ranking
- Debit cards, then Swish and BNPL (Riksbank, 2024)
- Local method
- Swish: SEK 3–150,000, approved with BankID
- Buy now, pay later
- Klarna: pay in full, pay later, financing up to 36 months
- PlatformDTC offers
- Cards, Apple Pay, Google Pay, PayPal, Klarna
What PlatformDTC does
PlatformDTC checkout does not offer Swish today. Swedish shoppers can pay by card, Apple Pay, Google Pay, PayPal in kronor, or Klarna on one-time orders from SEK 1 to SEK 100,000 when the store's Stripe account is in the EEA, UK or Switzerland.
How Swish works
On a phone the shopper is sent to the Swish app; on a computer they scan a QR code. They approve with Swish and BankID. Swish serves only shoppers in Sweden and is charged in kronor.
Klarna at home
Stripe notes that Sweden, Germany and the US are the only countries where Klarna's pay later can be used for subscriptions. PlatformDTC keeps Klarna off subscription carts everywhere, so Swedish subscribers pay by card, wallet or PayPal.
Frequently asked questions
- What do Swedes use most to pay online?
- Debit cards, according to the Riksbank's 2024 Payments Report, followed by Swish and buy now, pay later.
- Can Swedish shoppers use Klarna on PlatformDTC?
- Yes, on one-time orders charged in kronor, from SEK 1 to SEK 100,000.
Sources
- Payments Report 2024: Swish on the rise in e-commerce — Sveriges Riksbank
- Swish payments — Stripe
- Klarna payments — Stripe
Related
- Denmark — Cards, increasingly inside phone wallets, plus MobilePay and the national Dankort card.
- Norway — Vipps phone payments and cards, many carrying Norway's own BankAxept network.
- Finland — Online bank payments lead, with MobilePay and Siirto rising and several pay-later brands.
- Czech Republic — Cards and bank transfers filled in by scanning a QR Platba code, plus Klarna in koruna.
- Greece — Cards, plus IRIS account-to-account payments, which Greek law requires businesses to offer.
- China — Alipay and WeChat Pay wallets dominate; UnionPay is the domestic card network.