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Online payments

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Swedbank AS is processing personal data according to the „Swedbank” AS Principles of processing personal data, which are available on the Swedbank AS webpage under Terms and Conditions and in customer service locations of Swedbank AS.

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Companies that have an online store can also benefit from card payment acceptance through card terminal.

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Set up online payments for your e-shop

  • Integration with most common e-commerce platforms.
  • Convenient and safe payment for purchases via Internet banking services of Swedbank, SEB, Citadele and Luminor.
  • The money for purchases by card will enter your account already in the morning of the following day.

Without activation and monthly fee!

  • Payments with Bank Link from the customers of Internet Banking services of Swedbank, SEB, Citadele and Luminor.
  • Payments by card by entering the card number.
  • An intuitive, user-friendly payment environment compatible with any customer device.
  • 24/7 online report system for payment cancellation and refunds, for identifying shopper habits and profile.
  • Customized reports for Latvian accounting software (in CSV and XML format).
  • Option to choose a ready-made online store platform operated by Mozello. Start selling right away without any integration (Swedbank Bank Link and card payments available).

Set up your online store and make sure you’re compliant with Visa and Mastercard requirements.

Fill out the application and we will contact you within 1 business day.

Sign the agreement.

Carry out the integration and start selling!

It is one of the most common settlement methods that help expanding your business by selling products 365 days a year worldwide. You don’t need to invoice customers, and money for purchases arrives in the company’s account the next day. Acceptance of card payments also means greater overall trustworthiness of the site as the cardholder gets extra protection thanks to the 3-D Secure 3-D Secure is a technology developed by Mastercard and VISA which is designed to give greater safety in e-commerce for merchants and card users for payment card transactions performed over the Internet. With 3-D Secure, the card issuer authenticates the cardholder online, thus helping online retailers to drastically reduce the number of card fraud cases. technology.

  1. The customer selects a product or service and chooses paying by card as the payment method.
  2. The customer enters data – first name, surname, card number, expiry date and security code (CVC).
  3. After online verification of card details the customer is redirected to the 3-D Secure verification page to confirm the cardholder’s identity.
  4. After successful verification, money for the payment is reserved in the cardholder’s account and the company gets a transaction confirmation.

Possibility to receive payments by Mastercard, Visa, Maestro and Visa Electron cards in EUR currency. If you wish to accept payments from customers in other currencies, get in touch with our partner Wordline to arrange implementation of a tailor-made solution.

  • Possibility to oversee all card payments and their statuses.
  • Payment cancellation and full or partial money refunds to the customer.
  • Reports and overviews for sales and accounting needs in various formats (CSV, XML).
  • LinkPay. A possibility to send a payment link to your customer by e-mail or text message when a purchase is paid for by a payment card.
  • Standing orders. This service will enable you to collect payments for recurring services from your customers according to a payment schedule.
  • Card number tokenization. Once the customer’s card is registered in your e-shop, all future payments can be executed in a single step – payment confirmation. The customer no longer needs to re-enter all the card details for as long as the card is valid.
  • Swedbank Bank Link is a secure, fast and convenient way to pay for purchases through our internet banking solution. 80% of shoppers in Latvia opt for paying for purchases via Bank Link.
  • Bank Link payment initiation service is a modern way to pay for purchases through not only Swedbank’s internet banking solution but also through those of the other largest banks in the Baltics (SEB, Citadele and Luminor). You won’t need to sign agreements with other banks anymore. It will be up to the buyer which bank to make the payment from. After logging in to the chosen internet banking solution, the buyer will only need to confirm a pre-filled payment order.

* According to Swedbank’s sales data as of November 2020.

Integration with the most popular website platforms

Tailor-made integration

If you have any questions, please visit technical support page. If you can't find the answer, write to the e-mail

  1. The customer selects a product or a service and chooses one Bank Link - that of Swedbank, SEB, Citadele or Luminor - as the payment method.
  2. The customer is redirected to a pre-filled payment order on the Internet Banking site or the mobile app.
  3. The customer gives consent (in case of Bank Link payment initiation service).
  4. In case of Swedbank’s Bank Link, the company gets a notification about the transaction and money for the payment is transferred within seconds. In case of Bank Link payment initiation service, the company only gets a notification that a payment has been initiated.

In case of Bank Link payments, Swedbank is responsible for payment confirmation and settlements. The company gets the money within minutes after confirmation by the customer. In case Bank Link payment initiation service, Swedbank acts as a third-party provider and its responsibility is limited to initiation of the payment. As the customer’s account is with another financial institution - Swedbank only notifies the company of successful initiation of the payment. Swedbank does not guarantee the crediting of funds to the company’s account, so we recommend delivering the respective item or service only after receiving money in the current account.

The company can verify the authenticity of its customer’s identity number and first name, last name through Swedbank. Such verification of authenticity can be performed for Swedbank’s private customers only. This service is made available to companies on the basis of an individual assessment by Swedbank.

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Active tariff


Monthly fee Free of charge EUR 20.00
Free of charge for the first 3 months
Card transaction fee* 2% + EUR 0.20 from 1.5% + EUR 0.10
Bank Link transaction fee Swedbank, SEB, Citadele, Luminor 2% (min. EUR 0.20) 1.5% (min EUR 0.10)
Signing contracts via Internet Banking** Free of charge Free of charge

* VAT applicable to the fixed part of the fee.
** Preparation of contracts in paper format – EUR 20.00

How do card transactions work?

In this video, you will find out about:

  • the card ecosystem and authorization flow;
  • possible transaction types;

How to start accepting payment cards?

In this video, you will learn about:

  • available card acceptance solutions;
  • how to obtain the terminal and how to quickly set it up;
  • where to get technical support.

Online card acceptance

In this video, you will get information about:

  • what is online card acceptance;
  • what are the benefits of online acceptance;
  • how do online payments work;
  • what are the requirements for online merchant;
  • how can the risk be minimized in online environment.

What is chargeback?

In this video, you will get to know about the chargebacks – the process, timeframe, responsibilities, and solutions to avoid them.

What is card fraud?

This will explain the key things about fraud:

  • what to do in case of suspected fraud;
  • how to minimize it.

What a merchant needs to do to be compliant?

This video will explain:

  • what are the main responsibilities of the merchant
  • how to ensure compliance with rules of the international card organizations and the bank.

What is the PCI DSS?

With this video, you will understand:

  • what is the Payment Card Industry Data Security Standard (PCI DSS);
  • how card data can be stolen;
  • what are the consequences of the merchant not following the PCI DSS rules;
  • what can a merchant do to comply with the PCI DSS.

Payment Card Indrustry Security Standarts Council (PCI SSC) has been established by the leading international cards organisations Visa, MC, Amex, Diners, Discovery, JCB. PCI SSC had been worked out as PCI DSS rules and documents to regulate and define card security principles and policies. Payment security guidance must be applied to all entities (including banks, merchants, payment processors) which store, process or transmit cardholder data. These rules set the technical and operational requirements for organizations accepting or processing payment transactons.

Please see the latest version of requirements and standards here

All merchants that store, process or transmit cardholder data must be PCI DSS compliant.

What are the card data and sensitive authentication data elements?

How to make sure of compliance with PCI DSS requirements?

What are the requirements and objectives of PCI DSS?

Cardholders have the right to dispute any card transaction processed on a Mastercard or Visa card. Such disputes are resolved as chargebacks and are governed by a series of rules set forth by the international card organizations. In the chargeback process, the burden of proof lies with the merchant who is given the opportunity to provide supporting documentation to prove the legitimacy of the transaction. If the merchant is successful, the value of the transaction is credited back to their account. If the merchant is unsuccessful or does not respond in a timely fashion, they are held financially responsible for returning funds to the consumer who filed the complaint.

What are the most common Chargeback reasons?

How to avoid Chargebacks?

Merchants face various risks when accepting card transactions. This information has been put together to help you understand the types of risk you face and the steps to take in order to reduce the risk of loss. One of the greatest risks to merchants is that of fraudulent transactions. If you are not careful, fraud could cost your business dearly. Some types of merchants - depending on the type of goods sold - are more vulnerable to fraudulent transactions than others. Merchants should be aware that they may be targeted.
It is essential to understand the term "authorisation" - what it does and does not mean.

What does “authorization” mean?

What “authorization” does not mean?

What products are sold by e-shops that are subject to the risk of fraud the most?

Examples of transactions that warrant extra precaution

How to minimize the possibility of fraudulent purchases and chargebacks in e-shops?

Please contact us by calling 67 444 444 if you need a consultation or you wish to report a fraudulent situation. You can learn more about how to do your banking securely here.

The IT resources necessary for implementing the Swedbank Payment Portal can be outsourced. Below you will find information about IT companies offering such a service.

SIA Mozello

A ready-made online store platform provided by an internationally recognized Latvian company. Integrated marketing and CEO solutions, as well as payment systems.

Supported payment types: Swedbank Payment Portal payments, API solution (custom programming) etc.

Caballero | Digital agency (SIA Selected agency)
25377773, 20400222

External system integrations for various platforms: Woocommerce for tailor-made e-commerce solutions and systems. Custom-design online shop development, as well as friendly e-commerce solutions for small and medium-sized enterprises.

Payment integrations: Swedbank Bank Link, Bank Link payment initiation from other banks.

SIA Senet
Payment integrations: Swedbank Payment Portal (card acceptance on the web), Swedbank Bank Link, and other.
SIA Wonderland Media

External system integrations for various platforms: Magento, Woocommerce, BigCommerce and other.

Payment integrations: Swedbank maksājuma portāls, Swedbank Bank Link and other.

SIA iConcept,
22300307 (Matīss), 26466176 (Klāvs)

External system integrations for various platforms:Woocommerce, Prestashop, Magento, Opencart.

Payment integrations: Swedbank Payment Portal, Swedbank Bank Link and other.

SIA Datateks
Payment integrations: Swedbank Payment Portal, Swedbank Bank Link and other.
Latvijas Tālrunis SIA
67770515, 29351376

External system integrations for various platforms: anaZana, Datateks.

Payment integrations: Swedbank Payment Portal, Swedbank Bank Link and other.

SIA Webdev

External system integrations for various platforms: OpenCart, NomasVeikals, Woocommerce.

Payment integrations: Swedbank Payment Portal, Swedbank Bank Link, Card Payments and other.

Additional information: Online shop development and rent. Automatic integration of wholesaler products. Ready-made, rent-based and custom-made solutions for any industry.

These companies are listed as examples of such service providers and are not affiliated with Swedbank. The given list of IT companies is not in the order of priority and is not exhaustive. You are free to engage other IT companies providing the necessary services.

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Jūsu Internet Explorer pārlūkprogramma netiek atbalstīta.

Lūdzu izmantot Google Chrome, Mozilla Firefox vai Microsoft Edge pārlūkprogrammu.

Ar 23.03.2021. Swedbank internetbanka vairs nav pieejama, izmantojot Internet Explorer tīmekļa pārlūkprogrammu.

Tāpat nav iespējams apstiprināt Swedbank maksājumus citās vietnēs, kā arī izmantot Swedbank autentifikāciju, piemēram,

Turpmāk iesakām izmantot Google Chrome, Mozilla Firefox vai jaunāko Microsoft Edge versiju. Uzziniet, kā uz sava datora uzstādīt kādu no minētajām pārlūkprogrammām, šeit.

С 23.03.2021 Интернет-банк Swedbank недоступен в браузере Internet Explorer.

С помощью Internet Explorer невозможно авторизоваться или осуществлять платежи через Swedbank на сторонних веб-страницах.

Вместо браузера Internet Explorer мы рекомендуем использовать браузеры Google Chrome, Mozilla Firefox или Microsoft Edge. Инструкции по установке упомянутых браузеров можно найти здесь.

From 23.03.2021 Swedbank Internet Bank and Banklink is no longer available using Internet Explorer browser.

It is not possible to authorize or make payments from Swedbank on other web pages using Internet Explorer.

Instead, we suggest using Google Chrome, Mozilla Firefox or the newest version of Microsoft Edge. To find out how to install the suggested browsers, please click here.

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