How one-time payment QRs work for PSPs
This flow uses a one-time payment QR (a dynamic QR) shown on a screen, for PSPs using CARD_PASSTHROUGH with the
ePayment API.
Flow diagram: A one-time payment QR code displayed on a screen. The customer scans the QR code with the Vipps or MobilePay app to authorize the payment.
The QR directs the customer to the Vipps or MobilePay app, where they select a card and authorize the payment.
or MobilePay 
app, where they select a
card and authorize the payment.Details​
A one-time payment QR code is presented on the vending machine or screen. The QR code is a dynamic representation of the payment URL, and the customer needs to scan it and pay within 10 minutes.
1. The PSP generates a dynamic QR code and payment request​
When the customer selects a product, the PSP generates the payment request with a dynamic QR code by sending a
POST:/epayment/v1/payments request with:
paymentMethod.typeset toCARD_PASSTHROUGHuserFlowset toQR(optionally specifyqrFormatandsizefor the QR)"customerInteraction": "CUSTOMER_PRESENT"(required by regulation)cardPassthroughobject with the PSP's server URL specified in thecardCallbackUrlfield- Other required parameters
Since the customer scans the QR from their own phone, the PSP doesn't need to supply a phone number.
For a full example, see Create a QR payment.
2. Display the QR on the screen​
Display the one-time QR on a screen facing the customer.
3. The customer scans the QR and selects a card​
The customer scans the QR code and is directed to the Vipps or MobilePay app, where they select a stored card and confirm the payment.
4. 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.
5. The PSP processes the payment​
The PSP processes the payment through its own acquiring infrastructure using the card token.
6. 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.
More information​
- For technical details, see the ePayment PSP API guide.
- For QR code generation options, see ePayment Features: Payment through a QR.