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How the ePayment PSP API works in person

How in-person payments work for PSPs using CARD_PASSTHROUGH with the ePayment API.

Details​

1. Add products to sell​

Add the products that the customer wants to buy in the POS system.

Screenshot: POS system showing a list of items on the left and payment method options on the right, including a highlighted "Pay with Vipps" or "Pay with MobilePay" button alongside card, cash, and other options.

2. Enter the customer's phone number​

When the customer is ready to pay, choose Pay with Vipps/MobilePay and enter the customer's phone number.

Entering the customer's phone number into POS system

Screenshot: POS system showing order items on the left and a phone number input field with a Next button on the right.

3. The PSP creates a payment request​

The PSP creates a payment request by sending a POST:/epayment/v1/payments request with:

  • paymentMethod.type set to CARD_PASSTHROUGH
  • userFlow set to PUSH_MESSAGE, which sends a push notification directly to the customer
  • "customerInteraction": "CUSTOMER_PRESENT" (required by regulation for in-person payments)
  • cardPassthrough object with the PSP's server URL specified in the cardCallbackUrl field
  • Other required parameters

For a full example, see Create an in-person payment.

4. Customer selects a card and confirms in the app​

The customer gets a push notification, opens their Vipps or MobilePay app, selects a stored card, and confirms the payment.

Screenshot: App payment screen showing the merchant name, order description, selected payment card, and a Pay button.

5. Vipps MobilePay sends the card token to the PSP​

When the customer confirms the payment and selects their card, Vipps MobilePay sends a card token to the PSP's cardCallbackUrl. The PSP must respond within 20 seconds. See Card callback for the request format, HMAC authentication, and expected response.

6. The PSP processes the payment​

The PSP processes the payment through its own acquiring infrastructure using the card token.

7. The merchant registers the payment​

Register the payment in the POS system.

POS - register the payment

Screenshot: POS system showing order items on the left and a large green checkmark with "Payment completed" on the right, indicating successful payment registration.

8. The PSP updates the payment status​

The PSP captures, refunds, or cancels the payment via the ePayment API, keeping the Vipps MobilePay app status in sync. The payment is transferred to the merchant's account through the PSP. This may take 2 or 3 days, depending on the bank.

More information​

For technical details, see the ePayment PSP API guide.

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