Payments

• 

  Qliro Checkout

  23 Jan 2026

  What is Qliro?In today's e-commerce, payment is a crucial part of the customer experience - and a key driver of growth. Qliro is one of the leading companies for modern commerce and helps e-retailers increase sales, loyalty and profitability through a checkout built for results. With modular technology, data-driven insights and a focus on conversion, Qliro creates a smooth and secure payment experience for the end customer.How do I get started with Qliro Checkout? Contact Qliro on their website and get a demo. Add Qliro Checkout to your store Go to Settings -> Payment methods -> Add new payment method. Select "Qliro Checkout" in the list and then click "Add". You will then be taken to the settings page. Status ActiveCheck to activate and make the payment method visible in the store.DefaultA setting to make the payment method default at checkout.Make available only to those customers or customer groups where I specify it.If you do not want all customers to be able to use this payment method, you can deactivate it for non-logged-in customers through this setting. You then go to the respective customer group to activate the payment method there. Available for customer typeYou can set the payment method to be available only for one customer type or all. Require buyer to enter personal/organization numberCheck to make the personal/organization number mandatory at checkout.Send confirmation of payment status to the store ownerA setting to enable a separate payment status email for this payment method to be sent to the store owner.Turn off the purchase of gift card products with this payment methodEnable a setting to disable the gift card product type from being purchased with this payment method. Qliro settings The next block contains fields for Qliro data provided by Qliro Merchant API Key - Data you receive from Qliro Merchant API Secret - Data you receive from Qliro. Activate test mode - Activate for test mode Privacy Policy Page - Select the page that contains your privacy policy. This is a requirement from Qliro.   Name and Description Name of payment methodEach payment method has a name that will be displayed in the checkout, but if you want to modify this, you can enter a new name in this field. An optional field that can be left blank. Detailed descriptionA field to enter a text that informs the buyer about how the payment method works. Can be left blank. Currencies If you have several active currencies in the store, you can limit these for each payment method. The default setting is "All the store's activated currencies", but if you check "Specific currencies", all active currencies are displayed and you can choose to disable those that should not apply to this payment method. Countries The default setting of the payment method is that it applies to all countries to which the store offers delivery (Settings -> Shipping). If you want to restrict a payment method to only certain countries, you can check "Specific countries" and then specify the countries that can use this payment method.   Order status If you want orders placed via this payment method to have a specific order status, you can set it here. Select the status from the list.   Limitation with regard to order total A setting to limit the amount that a payment method can process. If you choose to limit the amount between two intervals, it is always the total order value including shipping and other fees.   Fee to be added at checkout when ordering A function to add an extra fee to the purchase, such as a handling fee.

• 

  Choose and add payment methods

  27 Nov 2025

  Give customers a working way to pay and choose a solution that suits your customers, markets, and routines. This guide applies to you if you administer payments in Abicart Go, Plus, or Pro. An external payment service normally requires a separate agreement and the correct account details from the provider. The methods available for your store are displayed under Settings → Payment methods. 1. Choose between a payment service and manual payment A payment service, such as Kustom Checkout, Swedbank Pay, Stripe, or Swish, handles the payment through its service. Available payment methods, countries, currencies, business types, fees, and payouts depend on your agreement with the provider. The existence of a connection in Abicart does not mean that all these options are included in your agreement. Custom payment method, Invoice and Advance payment are manual options. The customer can place an order without money being deducted at checkout. You provide payment instructions and reconcile the payment yourself. For example, calling a custom method "Swish" does not create an automatic Swish connection. Compare the providers' current terms based on your customers' countries, currencies, and desired payment methods. Check both fixed fees and per-transaction fees. For a junior enterprise (UF-företag), for example, the provider needs to confirm that an agreement can be signed for that specific business type. A manual method does not mean that the bank's or payment service's costs disappear. 2. Add and configure the method Open Settings → Payment methods.Select a method under Add a new payment method and click Add.Fill in the provider's settings according to the guide for that specific method. Use the correct account and distinguish between test mode and live mode. Never share secret API details in the store's visible description.Give the method a clear name for the customer. Check any conditions for country, currency, purchase amount, and customer group.Activate the method and save when the configuration is complete. In the payment method guides you will find the settings for each provider. Follow the specific guide for things like account connection, test mode, and how to activate or refund payments. 3. Check that the customer can pay Open the store's checkout with a representative shopping cart and check that the correct method is displayed for the intended country, currency, and customer type. For an external payment service, follow the provider's test instructions before accepting live purchases. A method appearing in the list is not in itself proof that the agreement or the payment flow is working. After a purchase, monitor the payment status on the order and, when necessary, in the provider's portal. Payout of funds occurs according to the agreement with the payment provider or bank; Abicart's order status is not a payout confirmation. If the method is missing or not displayed at checkout Missing from the list of new methods: check the exact provider name. Not all providers have a ready-made integration. Contact Abicart with your store ID and the desired method if you are unsure; do not choose another provider as a substitute for the one you have an agreement with.Exists in admin but is missing at checkout: check Active, saved account details, and the method's limitations for the current customer and shopping cart.Displayed as Not available: this is not the same as the method simply being disabled. Check the availability with Abicart before building on an older integration.Error during payment: note the method, time, and error message, and check the provider's portal. Do not send any passwords, card details, or secret keys to support. Quick start Choose a payment service or manual payment.Go to Settings → Payment methods and add the correct method.Fill in the agreement and account settings, activate, and save.Check the checkout and payment status according to the provider's test instructions. Subscription and costs Payment methods are available in Go, Plus, and Pro. The individual integration must be available for the store. Agreements, transaction fees, and payout terms with the payment provider are separate from the Abicart subscription.

• 

  Pre-payment

  27 Nov 2025

  Add a pre-payment method to the checkoutWhat is prepayment?It's a payment method you can add to your checkout. Customers place an order and then send the payment via bank transfer or bank account. Once you have received the money, you send the order to the buyer. You handle this payment method entirely on your own. You must check that the payment has been received before sending the order to the buyer.Add prepayment in the shopUnder Settings -> Payment methods -> Add new payment method -> select "Prepayment" and click on "Add". Tick "Akiv" on the payment method. In the "Detailed description" field, specify how customers will pay. For example, enter bankgiro, bank account or similar. Then click on "Add". 

• 

  Activate Swish Handel and renew the certificate

  27 Nov 2025

  Take payments with the standalone payment method Swish Handel and keep the connection's certificate up to date. Before you beginThe guide applies to Swish Handel in Abicart Go, Plus, and Pro. You need a Swish Handel agreement via your bank and permission for Swish Certificate Management. Read about Swish for e-commerce and ask your bank to confirm you have the correct agreement.A private Swish number or Swish Företag is not the same connection. Swish offered inside, for example, an external checkout uses the checkout provider's connection instead.This payment method uses SEK and the Swedish market. Swish's TLS client certificate is separate from the HTTPS/SSL certificate for the store's domain. 1. Add and save the payment methodGo to Settings → Payment methods → Add new payment method, select Swish and save the new payment method. Leave it inactive until the details are complete.If it says that the payment method must be saved before you can continue, go back and save it with Add. Do not create multiple copies as troubleshooting attempts. 2. Create a CSR in AbicartOpen the Swish payment method and the link How to?.Select Generate CSR when you intend to create a new certificate connection.Do not generate a new CSR as a harmless test. This creates a new private key in Abicart. A previous certificate cannot then be used with the new key. Plan a replacement of a working connection so that you can complete the entire process.Copy the entire CSR text. The CSR is a certificate signing request, not the finished TLS certificate. The private key must remain in the connection; do not send it to support or paste it into other services. 3. Create the correct certificate in the Swish portalOpen Swish Certificate Management and log in with the authorized person's BankID for the correct organization and Swish Handel number.The images show a previous portal interface. Check which certificates are in use before you revoke anything. Revoking a working certificate can stop payments; only do it when the portal requires it for the planned replacement and you know which connection is affected.Choose to create a new certificate for the correct Swish number.You have already created the CSR in Abicart. Therefore, skip the portal's instruction to create a separate CSR file and use the existing request.Paste the entire CSR text from Abicart into the designated field in the portal.Generate the certificate according to the portal's instructions. If a format needs to be selected, use PEM. Complete the step. 4. Download and save the TLS certificateOpen the new certificate in the portal, for example with the View/eye icon.Copy the entire TLS certificate text, including the beginning and end. You can also open the downloaded PEM file and copy the certificate from there. Do not copy the CSR text again.Go back to Settings → Payment methods → Swish. Paste the certificate into TLS certificate, enter the agreement's Swish Handel number and save. The number is the recipient number for the agreement, not the buyer's mobile number. 5. Check a complete payment flowActivate the payment method only when the connection is complete. Then open the store and follow the test procedure that applies to your environment.Check the shopping cart, customer details, total amount, and that the correct Swish recipient is displayed.A loading image or Swish opening only shows that part of the flow has started. To verify the entire flow, an intended payment needs to be completed and the same order must be correctly paid in Abicart. Also check the result with Swish/the bank. A live test means a real payment; use the provider's designated test environment when available. Settings that affect the checkoutActive: controls whether the payment method can be displayed.Default: suggests the payment method when it is available.Only specified customers/customer groups: limits availability. Customer groups require support in the store's subscription.Customer type and personal/organization number: limits the checkout and what information is required. It is not in itself an identity or address check.Do not allow other delivery address: limits alternative delivery addresses. It does not mean that Swish verifies the address against the population register.Payment status email: can send information to the store owner when the order is paid.Gift card products: can be excluded from purchase with the payment method. AccountEnter the correct Swish Handel number and the TLS certificate that belongs to the CSR you created for this payment method. Only enter a password if the certificate format you are using requires it; do not guess a password in case of a connection error. Name and descriptionThe default name can be replaced with a custom name. The detailed description is optional and should describe what the customer should do. CurrencyUse SEK. The fact that other currencies are active in the store does not make them allowed for this Swish connection. Amount limitsIf the store supports amount limits, the payment method can be hidden based on the order's total amount.No limit: no extra amount limit is used.Hide if order total is zero: the option is hidden at 0.Hide if order total is greater than zero: the option is hidden for positive total amounts, not the other way around.Hide outside range: check both the minimum and maximum amounts and that another payment method remains available.The image shows an example with a minimum limit. Check the conditions that are actually saved in your store. Renew the certificate and troubleshoot the connectionCheck the certificate's actual expiration date in the portal and plan the renewal before that date. Do not assume that all certificates have the same five-year validity. Follow the entire chain new CSR in the correct Abicart payment method → new certificate in the Swish portal → the entire certificate back in the same payment method.In case of an error, check the correct Swish number, the certificate's validity, that it has not been revoked, the entire PEM text, the match to the latest CSR, and that test/production environments have not been mixed up. Then, check the actual status of the order and payment before trying again. Cancellation and refundWhen you cancel a paid Swish order, Abicart requests a refund of the payment. Therefore, do not cancel a paid order as a harmless test. Refunds via this connection apply to the entire payment; there is no optional partial amount in Abicart's Swish action.A requested refund is not the same as a confirmed result. Wait for the payment status and check the transaction with Swish/the bank. Do not make a manual refund in the bank and a refund in Abicart at the same time. If the response is unclear, you should first check the existing request. Quick startConfirm the Swish Handel agreement and save an inactive payment method.Create a CSR in Abicart and use it in the correct Swish portal connection.Save the entire TLS certificate and the correct Swish number in the same payment method.Check the entire payment flow and monitor the certificate's actual expiration date.Subscription: Swish is supported in Go, Plus, and Pro. The bank's Swish Handel agreement and fees are separate. Additional limit features may depend on the store's activated subscription features.

• 

  Your own invoice

  27 Nov 2025

  A payment method for own invoicesWhat is the invoice payment method?The invoice payment method is intended for use by shops that create their own invoices in a financial or business system and then send them out to the buyer. Create your invoices manually or in your financial systemPlease note that it is not possible to create invoices in the shop, they must be created manually or in a financial/business system.Enter the payment method in the shopGo to Settings -> Payment methods -> Add a new payment method -> Invoice -> click on "Add". The most important settings to consider are the following:ActiveTo activate the payment method in the checkout, you need to tick this box. NameEnter a name for the payment method, for example, "Invoice 30 days". Detailed descriptionHere you need to explain to the buyer how they will pay. Enter the bankgiro, post office or bank number and inform what rules apply. You send the invoiceRemember that this is a manual invoice that you handle entirely yourself. You create the invoice and send it to the buyer yourself. There will be no invoice created or sent out automatically by Abicart with this payment method.Use an invoicing service instead.One tip is to use one of the various invoicing services we support, such as Klarna Checkout. If you use their services, you as a shop owner will receive your money for the order within a few days and you will avoid problems with any invoices that are not paid. Apply for Klarna or DIBS today. You do this on the right-hand side of the home page in the shop's administration.

• 

  PayEx card payment

  27 Nov 2025

  Card payment service via PayEx.How do I get PayEx card payment?Contact PayEx and get an agreement with them on their site, http://www.payex.seActivate PayEx card payment in storeOnce you have an agreement with PayEx, you can add the payment method and activate it in the store. Go to Settings -> Payment methods -> in the "Add new payment method" list, select "PayEx card payment" -> click on the "Add" button. StatusHere you can see the basic settings of the payment method. Active - Check the box to activate the payment method at checkout.Default payment method for customer - Check if the payment method should be defaulted for all customers in the checkout. Only one payment method can be preset.Make available only for those customers or customer groups where I specify it - If you want to restrict the payment method for one or more customer groups, tick the box. You then select the payment methods that can be used for each customer group.Available for customer type - If you want to restrict the payment method to a specific type of customer (private or business), you can select it here. If "All" is selected, both customer types can use the payment method.Require buyer to enter personal/organisation number - A setting that forces the buyer to enter a personal number when making a purchase. This setting should only be activated on payment methods such as own invoice (not third party invoice services) and prepayment. We do not recommend forcing purchasers to enter a personal identity number for card payments.Do not allow alternative delivery address for this payment method - Turn off the possibility for the buyer to choose an alternative delivery address. The order can then only be sent to the address where the customer is registered.AccountMerchant account number - Enter your PayEx account number. This information is provided by PayEx.Encryption key - Enter your encryption key. This information is provided by PayEx.Debit method - This is a setting when the money will be deducted from the buyer's card. If you choose "Direct debit", the money will be deducted immediately when the buyer clicks on "Complete purchase". If you choose "Debit when order has been shipped", the money will first be reserved on the buyer's card. Then, when the order is marked as "shipped", the money will be deducted from the card. PayEx transaction callback - In order for the service to work correctly, you must log into PayEx admin and go to "Transaction callback". There you enter the following address: https://shop.textalk.se/backend/payex_ipn.phpNote that you will also need to enter the store's IP address in PayEx admin.The IP address is: 192.121.104.141

• 

  Connect Kustom Checkout and manage payments

  27 Nov 2025

  Get started with Kustom Checkout and choose the right action for reserved, charged, canceled, and refunded purchases. This guide is for store administrators on Go, Plus, and Pro plans. Kustom Checkout is available in all three current plans, but it requires an approved agreement from the provider and the correct payment method to be activated. Payment methods, markets, customer types, fees, and risk conditions are governed by your Kustom agreement. The theme does not replace these conditions. 1. Prepare and apply for the right store Kustom Checkout gathers payment options at checkout, such as invoice, installment payments, card, and direct payment where the agreement and market support them. Do not assume that all options are offered to every customer. An approved purchase does not imply an unconditional promise of compensation in all situations; read the agreement's risk and delivery terms. Connect your own domain. Do not use the demo store's automatic domain in the application.Open Dashboard in Abicart Admin and start the Kustom application.Fill in the company details for the company that will receive payments. The application box may contain older Klarna terms in the screenshots. Verify that you are connecting the Kustom Checkout agreement and the correct store. Complete the KYC/AML supplements in the application box and provide the requested bank details there.Follow the status and supplement notifications in the admin. The processing time depends on the application; do not count on a general 24-hour promise.When the connection is approved, check the method under Settings → Payment methods → Kustom Checkout. If the application box is missing: check that you are in the correct store and contact Abicart Support. Do not remove an existing payment method to make the box appear. Describe which box is missing and if the store already has a Kustom connection. Support can check the application link and how it should be handled along with the existing connection. 2. Activate and check the checkout Check the agreement's approval and the method's settings for the correct store, customer type, and market.Activate the method when it should be displayed in the store.Follow the test procedure shown for your specific connection. Determine if it is a test or live environment before any order is placed; a live order can reserve or charge real money.Check the provider's actual order/payment status. Simply marking an order as paid internally does not prove that the connection is approved or that payment has been made. Do not reactivate a method just because a certain number of hours have passed. Go by the connection's current notification. Fees, payout days, and settlement are checked in your agreement and your settlement reports; they are not the same as the order's status in Abicart. 3. Charge when the order is ready to ship Charge (Kustom Checkout) charges the entire remaining amount for the payment. The action does not automatically select the items included in a partial delivery. Follow the steps for partial delivery below if only part of the order is to be shipped. Open the order under Orders and verify that it has actually been paid/reserved via Kustom Checkout.When the entire remaining order is to be shipped: select Charge (Kustom Checkout) in Perform actions and select Perform selected actions.Check the result in Abicart and the Kustom portal. In the order list, the lightning icon can open corresponding actions; check the selection before you perform it. Mode/actionWhat to distinguish betweenReservationAn approved payment reservation is not the same as a completed charge or payout.Charge/captureThe provider action activates the payment/invoicing. An internal 'Paid' or 'Shipped' marking does not replace it.CancelUse the correct action for an order that can still be canceled with the provider. Check the result.RefundA payment that has already been charged needs the correct refund action; it is not enough to change an internal order status. For partial deliveryOpen the correct order under Orders in the Kustom portal. Check the order reference and previous charges.In the English portal view, select Capture and then Capture by item. Select only the order lines being shipped now.Check the lines and amounts before you select Confirm.Reconcile the charge in Kustom and document the corresponding handling in Abicart. Do not use Abicart's regular charge button to charge the same partial delivery again.Charge the remaining items when they are shipped later. Do not use multi-order Full Capture or Abicart's regular Charge action as if they applied only to the partial delivery. Always reconcile previous captures before the next action. 4. Cancel, change, or refund without duplicate action To cancel an entire order that can be voided: open the order and use the cancel action. Verify that the Kustom payment has also received the correct result. A denied or uncertain provider action should be investigated before a new attempt. Partial cancellation may need to be handled in the Kustom portal. Plus/Pro may have order editing in Abicart, but a changed total amount is not in itself proof of an updated payment. Check reservation, charge, or refund separately. If you make the change in the portal, it is not generally transferred back to Abicart: reconcile and document both systems without charging/refunding a second time. The Kustom portal contains new Kustom orders; older Klarna history may need to be read in the Klarna portal. Use the correct portal and reference for the current order. 5. Multi-store and business customers In a multi-store setup, the application is made for the correct sub-store, not the main level. Check Store system → Settings → Custom payment methods are set for each store before you connect. Selling to businesses requires that the connection supports that customer type. A customer account or B2B package in Abicart does not automatically activate businesses as a customer type with Kustom. Check with Kustom which agreement and market conditions apply to your specific connection. Quick startConnect your own domain and apply for the correct store.Complete the company/bank verification and await actual approval.Activate the method and follow the correct test/live procedure.Charge when shipping and reconcile each provider action separately from the internal order status. Subscription and accessKustom Checkout is available in Go, Plus, and Pro. Provider agreement, approval, market, and customer type determine the actual payment access. Order editing and multi-store have their own conditions; a Kustom agreement does not automatically provide access to all other Klarna/Kustom products.

• 

  Lock payment method to currency and country of delivery

  27 Nov 2025

  In this manual, we'll walk you through how to lock a payment method to currency and country of delivery. This allows you to control which payment method is available to customers from other countries.In the following example, we will add that customers from abroad cannot shop in SEK when they choose Klarna V3 at checkout.Here's what you do:1) Click on Settings2) Click on Payment methods3) Klicka Välj betalningsmetod välj betalningsmetoden i listan - här väljer vi Klarna Checkout V3.4) Click Save5) Go through the payment method settings and fill in the API keys you received from the payment method. Link to manual: 9 easy steps to get your store up and running! >> Add payment methods6) Save7) Select the currency for which the payment method should be available, in this case SEK8) Select the country for which the payment method should be available, in this case Sweden9) Save again10) Repeat steps 3) to 9) and create a delivery method for each currency/country restriction you want in the store.You use the same API keys for each payment method you recreate. The example shows 5 pcs of Klarna Checkout V3 with exactly the same keys. Only the currency/country separates them. If you have different payment methods against different countries, add currency + country to each payment method. For example, you might want Klarna for Sweden & Europe, Nets Easy for Denmark and Paypal for the US.Payment methods that can be set up multiple times with the same API keys are e.g. Klarna Checkout V3, Nets Easy & Svea Checkout. If you want to use e.g. Swedbank Checkout or you need to sign an agreement for each country.Example:Here you can see that we have locked different Klarna Checkout V3 to the target groups Sweden, Denmark, Norway, USA & Europe:When a customer selects the USA as the delivery country, only Klarna checkout - USA will appear at checkout. The customer can therefore only shop in USD.