How ePayment works online
This is how payments in web shops or merchant websites work with the ePayment API.
Details
1. Customer selects their payment method
On the product page of a merchant's website or app, the customer chooses to pay with Vipps/MobilePay. They can alternatively select to pay with a card, as shown in Alternative flow: Pay with by card.
- Vipps
- MobilePay
2. Customer enters their phone number and logs in
When they select Vipps/MobilePay, initiate a payment with:
POST:/epayment/v1/payments.
If the payment was started from a mobile device, the Vipps or MobilePay app will automatically open.
If the payment was started on a desktop device, the landing page will open. There, the customer enters their phone number and clicks Next to send the payment request to the app on their phone.
- Vipps
- MobilePay
3. Customer confirms the payment in the app
A push notification appears on the customer's phone. They log in to Vipps MobilePay and confirm the payment. The ePayment API automatically reserves the payment and provides a receipt of the successful payment.
- Vipps
- MobilePay
4. The merchant's shop confirms the order
After the customer has approved the payment in the app:
- If the payment was started on a mobile device, the store page or app will open again and confirm that the order was successful.
- If the payment was started on a desktop device, the user can go back to the webpage where it will confirm that the order was successful.
5. The merchant completes the order and shipping
The merchant completes the order and ships it to the customer.
6. Capture the payment
The merchant captures the order through the ePayment API. The payment is transferred to the merchant's account. This may take 2-3 days depending on your bank.
Alternative flow: Pay with card
Customers can choose to pay with card by selecting Card on the product page of a merchant's website or app.
- Vipps
- MobilePay
The card entry page opens, where they enter their card details.
On successful payment, the merchant's store page opens, and the order is confirmed.
More information
Different solutions for different setups.
More flows are described in the Features section.