Online Payments

Svea Payments offers several types of online payments, including:
Online bank payments
Card payments (credit and debit): Visa, Visa Electron, Mastercard, Eurocard, American Express
Invoice and Part Payment
Mobile payments
Recurring payments
In-App payments

Some of the payment methods Svea Payments offers.

Payment process, when payment method is chosen on Svea Payments payment page:

  1. The buyer chooses Svea Payments when he/she wants to pay the order.

  2. Webstore then sends the order and payment details to Svea Payments using Payment API.

  3. Buyer is then displayed a page where he/she can choose one of the payment methods made available in the webstore. The page appearance and layout depends on the payment service the webstore has subscribed to. If the webstore does not use the Buyer's Helper -service, the payment request must contain parameter pmt_escrow=N. Correspondingly, if the webstore uses the Buyer's Helper -service, value pmt_escrow=Y must be used. These values are different, because whether or not the webstore uses the Buyer's Helper -service affects the entire payment and settlement process.

  4. The payer completes the payment using the chosen payment method. Detailed process for every payment method is described under each payment method's own section (see menu).

Payment process, when payment method is chosen in the webstore:

The webstore can display the available payment methods for the buyer already on the webstore's checkout page. In this scenario, the Svea Payments page for choosing the payment method is skipped altogether. When choosing the payment method on the webstore's checkout page the process is the following:

  1. The webstore retrieves available payment methods per order using Retrieve Available Payment Methods API and displays the payment methods on the checkout page.

  2. The buyer chooses the payment method he/she wants to use on the webstore's checkout page.

  3. The webstore then sends the order and payment details to Svea Payments using Payment API. The Payment API must contain the code of the payment method (pmt_paymentmethod) that the buyer chose in the webstore. If the webstore does not use the Buyer's Helper -service, the payment request must contain parameter pmt_escrow=N. Correspondingly, if the webstore uses the Buyer's Helper -service, value pmt_escrow=Y must be used. These values are different, because whether or not the webstore uses the Buyer's Helper -service affects the entire payment and settlement process.

  4. If the webstore uses the Buyer's Helper -service, the terms and conditions of the service should be displayed in the webstore and the buyer should accept them before completing the payment.

  5. The payer completes the payment using the chosen payment method. Detailed process for every payment method is described under each payment method's own section (see menu).