A majority of companies favour card payments based on the following three criteria (see figure 6):

• It must be possible for the customer to pay quickly and conveniently.
• There shall be a minimum of administrative work for the staff receiving the payment.
• The company shall receive the money into its account quickly.

Swish is the second most common payment method preferred by companies on all three criteria, although the shares are significantly lower than for cards for the first two criteria. However, many companies cite Swish as the preferred payment method for getting money into their accounts quickly.

Figure 6. Card payment is preferred from three aspects Percentage of respondents who prefer each payment method

Every second company answered that they strongly agree with the statement that it is important to receive the payment immediately instead of after 1-3 days. Only 8 per cent said they disagreed with this statement. A payment via Swish means an immediate transfer of the money. Card payments normally take one banking day to reach the recipient, but sometimes they can take up to 3 days.