Checkout v2 – Checkin

Step 1: Initiate Session For Consumer Identification

The payer will be identified with the consumers resource and will be persisted to streamline future Payment Menu processes. Payer identification is done through the initiate-consumer-session operation.

Guest Checkout: Note: If the payer is using the Payment Menu as a guest, you can go directly to step 3, which you will find on the next page.

Checkin Request

Request

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POST /psp/consumers HTTP/1.1
Host: api.externalintegration.payex.com
Authorization: Bearer <AccessToken>
Content-Type: application/json

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{
    "operation": "initiate-consumer-session",
    "language": "sv-SE",
    "shippingAddressRestrictedToCountryCodes" : ["NO", "SE", "DK"],
    "requireShippingAddress": true
}

Field	Type	Description
`operation`	`string`	`initiate-consumer-session`, the operation to perform.
`language`	`string`	Selected language to be used in Checkin. Supported values are `sv-SE`, `nb-NO`, `da-DK`, `en-US` or `fi-FI`.
`shippingAddressRestrictedToCountryCodes`	`string`	List of supported shipping countries for merchant. Using ISO-3166 standard. This is required unless `requireShippingAddress` is set to false.
`requireShippingAddress`	`bool`	Defaults to true. If set to false we will not collect a shipping address from the consumer.

Checkin Response

When the request has been sent, a response containing an array of operations that can be acted upon will be returned:

Response

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{
    "token": "7e380fbb3196ea76cc45814c1d99d59b66db918ce2131b61f585645eff364871",
    "operations": [
        {   // Deprecated operation. Do not use!
            "method": "GET",
            "rel": "redirect-consumer-identification",
            "href": "https://ecom.externalintegration.payex.com/consumers/sessions/7e380fbb3196ea76cc45814c1d99d59b66db918ce2131b61f585645eff364871",
            "contentType": "text/html"
        },
        {
            "method": "GET",
            "rel": "view-consumer-identification",
            "href": "https://ecom.externalintegration.payex.com/consumers/core/scripts/client/px.consumer.client.js?token=5a17c24e-d459-4567-bbad-aa0f17a76119",
            "contentType": "application/javascript"
        }
    ]
}

Field	Type	Description
`token`	`string`	A session token used to initiate Checkout UI.
`operations`	`array`	The array of operation objects to choose from, described in detail in the table below.
`rel`	`string`	The relational name of the operation, used as a programmatic identifier to find the correct operation given the current state of the application.
`method`	`string`	The HTTP method to use when performing the operation.
`contentType`	`string`	The HTTP content type of the target URL. Indicates what sort of resource is to be found at the URL, how it is expected to be used and behave.
`href`	`string`	The target URL of the operation.

Step 2: Display Swedbank Pay Checkin Module

The response from the POST of consumer information contains a few operations. The combination of rel, method and contentType should give you a clue how the operation should be performed. The view-consumer-identification operation and its application/javascript content type gives us a clue that the operation is meant to be embedded in a <script> element in an HTML document.

In our example we will focus on using the view-consumer-identification solution. The redirect-consumer-identification method redirects the user to Swedbank’s own site to handle the checkin and is used in other implementations. redirect-consumer-identification should only be used in test environments. It is not suitable for the production environment as there is no simple way of retrieving the consumerProfileRef.

HTML

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<!DOCTYPE html>
<html>
    <head>
        <title>Swedbank Pay Checkout is Awesome!</title>
    </head>
    <body>
        <div id="checkin"></div>
        <div id="payment-menu"></div>
        <!-- Here you can specify your own javascript file -->
        <script src="<Your-JavaScript-File-Here>"></script>
    </body>
</html>

The Checkin and Payment Menu components (the two <iframe> elements) must be separate (one must not replace the other).

Please note that nested iframes (an iframe within an iframe) are unsupported.

In the HTML, you only need to add two <div> elements to place the check-in and payment menu inside of. The JavaScript will handle the rest when it comes to handling the check-in and payment menu.

JavaScript

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var request = new XMLHttpRequest();

request.addEventListener('load', function () {
    // We will assume that our own backend returns the
    // exact same as what SwedbankPay returns.
    var response = JSON.parse(this.responseText);
    var script = document.createElement('script');
    // This assumes that the operations from the response of the POST from the
    // payment order is returned verbatim from the server to the Ajax:
    var operation = response.operations.find(function (o) {
        return o.rel === 'view-consumer-identification';
    });

    script.setAttribute('src', operation.href);
    script.onload = function () {
        payex.hostedView.consumer({
            // The container specifies which id the script will look for
            // to host the checkin component
            container: 'checkin',
            onConsumerIdentified: function onConsumerIdentified(consumerIdentifiedEvent) {
                // consumerIdentifiedEvent.consumerProfileRef contains the reference
                // to the identified consumer which we need to pass on to the
                // Payment Order to initialize a personalized Payment Menu.
                console.log(consumerIdentifiedEvent);
            },
            onShippingDetailsAvailable: function onShippingDetailsAvailable(shippingDetailsAvailableEvent) {
                console.log(shippingDetailsAvailableEvent);
            }
        }).open();
    };
    // Appending the script to the head
    var head = document.getElementsByTagName('head')[0];
    head.appendChild(script);
});

// Place in your own API endpoint here.
request.open('POST', '<Your-Backend-Endpoint-Here>', true);
request.setRequestHeader('Content-Type', 'application/json; charset=utf-8');
// In this example we'll send in all of the information mentioned before,
// in the request to the endpoint.
request.send(JSON.stringify({
    operation: 'initiate-consumer-session',
    language: 'sv-SE',
    shippingAddressRestrictedToCountryCodes: ['NO', 'SE']
}));

Note that we add the script at the end of the body. This ensures that every element (like the container <div> elements) has loaded in before we try to access them with our script.

Monitoring The Script URL

With the PCI-DSS v4 changes taking effect on March 31st 2025, merchants are responsible for ensuring the integrity of the HTML script used in their integration, including monitoring what is loaded into or over it. Specifically, Seamless View merchants must verify that the script URL embedded in their iframe originates from Swedbank Pay or another trusted domain. It is important to note that Swedbank Pay’s PCI responsibility is strictly limited to the content within the payment iframe. For further details, refer to section 4.6.3 in the linked document.

To ensure compliance, we recommend implementing Content Security Policy rules to monitor and authorize scripts.

Merchants must whitelist the following domains to restrict browser content retrieval to approved sources. While https://*.payex.com and https://*.swedbank.com cover most payment methods, digital wallets such as Apple Pay, Click to Pay, and Google Pay are delivered via Payair. Alongside the Payair URL, these wallets may also generate URLs from Apple, Google, MasterCard, and Visa. Merchants are responsible for whitelisting these domains and keeping them up to date in case of changes.

When it comes to ACS URLs, nothing is loaded from the ACS domain in the merchant’s end. It will either happen within Swedbank Pay’s domain or as a redirect, which will repeal the merchant’s CSP.

URL	Description
https://*.payex.com	Universal URL for all payment methods except the digital wallets Apple Pay, Click to Pay and Google Pay.
https://*.swedbank.com	Universal URL for all payment methods except the digital wallets Apple Pay, Click to Pay and Google Pay.
https://*.payair.com	URL for the digital wallets Apple Pay, Click to Pay and Google Pay.

How It Looks

With the scripts loading in after the entire page is loaded, we can access the <div> container that the Checkin will be hosted in. When everything has finished loading, you should see this:

Consumer UI Start Page

In this example, the payer’s information is pre-filled as provided by the initial POST. If not, the fields will appear empty.

Pre-filled checkins are only available for merchants who have a specific agreement with Swedbank Pay.

From here, there are three ways forwards, depending on the consumer. If they are registered with a profile at Swedbank Pay, the information already provided will be sufficient. The consumer can simply click proceed, and the profile will appear on the page (with sensitive data masked).

If Swedbank Pay detects that the consumer hasn’t registered any personal details, two options are provided: Store details for future purchases or proceed without storing details.

Consumer UI New Consumer Options

If they choose to store details, the next step is to enter their SSN.

Consumer UI SSN

Once a valid SSN has been provided, a page for address details appears. When the consumer has entered their address, the profile box shown above will be displayed.

Consumer UI Address

If the consumer opts out of storing their details, they will be sent directly to the page for address details to enter their shipping address. This info is not stored for future purchases. Please note that this is not the same as shopping as a guest.

With a consumerProfileRef safely tucked into our pocket, the Checkin is complete and we can move on to Payment Menu. Be aware that the consumerProfileRef expires after 24 hours as well as after being used to complete a payment. The consumerProfileRef can not be reused for several purchases.

A complete overview of how the process of identifying the payer through Checkin is illustrated in the sequence diagram below.

sequenceDiagram
    participant Consumer
    participant Merchant
    participant SwedbankPay as Swedbank Pay

        rect rgba(238, 112, 35, 0.05)
            note left of Consumer: Checkin

    Consumer ->>+ Merchant: Start Checkin
    Merchant ->>+ SwedbankPay: POST /psp/consumers
    deactivate Merchant
    SwedbankPay -->>+ Merchant: rel:view-consumer-identification ①
    deactivate SwedbankPay
    Merchant -->>- Consumer: Show Checkin on Merchant Page

    Consumer ->>+ Consumer: Initiate Consumer Seamless View (open iframe) ②
    Consumer ->>+ SwedbankPay: Show Consumer UI page in iframe ③
    deactivate Consumer
    SwedbankPay ->>- Consumer: Consumer identification process
    activate Consumer
    Consumer ->>+ SwedbankPay: Consumer identification process
    deactivate Consumer
    SwedbankPay -->>- Consumer: show consumer completed iframe
    activate Consumer
    Consumer ->> Consumer: EVENT: onConsumerIdentified (consumerProfileRef) ④
    deactivate Consumer
    end

If a browser refresh is performed after the payer has checked in, the payment menu must be shown even though onConsumerIdentified is not invoked.

Additional events during Checkin can also be implemented in the configuration object, such as onConsumerIdentified, onShippingDetailsAvailableand onBillingDetailsAvailable. Read more about these in the Checkin events section.

Note on consumer data

During this stage, some consumer data is stored. Read more about our Data Protection Policy for details on which information we store and its duration.