Offering Vipps MobilePay in the Nordics

Apply for services to join as a Vipps MobilePay merchant.

Vipps MobilePay operates in Denmark, Finland, Norway, and Sweden:

• Norwegian and Swedish users use the Vipps app.
• Danish and Finnish users use the MobilePay app.

General tips

By providing both Vipps and MobilePay as payment options in your online store, customers using either service will be able to make payments on your website.

If you want to show that you support multiple markets, you can include both the Vipps and MobilePay buttons in the checkout process. Please do not co-brand the two brands. Each of the two options should be a separate selection. Place the local brand name first.

Follow the brand guidelines.

Be aware that landing page branding is determined by the sales unit's country.

Currency support across all products

For all Vipps MobilePay products, including ePayment, Recurring, and Checkout, the following currency rules apply:

🚩 The currency used must match the country in which the merchant's sales unit is registered.

Examples

• Sales units registered in Denmark must use DKK.
• Sales units registered in Norway must use NOK.
• Sales units registered in Finland must use EUR.
• Currently, no merchants are onboarded in Sweden, so it is not possible to pay using Swedish currency.

This ensures compliance with local regulations and smooth payment processing. Use the currency of the country where their sales unit is registered.

If you are creating a webshop in a new country, be aware that there are shorter payment time limits in Denmark and Finland, and other regulations may be different. For more details, see:

• Payment capture deadlines
• Regulatory requirements for purchases

Software considerations

Use the latest Vipps MobilePay APIs for the best performance in all markets.

Migration guidelines

International users can pay to companies that use ePayment, Recurring, and Checkout.

MobilePay merchants should migrate to Vipps MobilePay APIs.

Vipps merchants should migrate from the eCom API to the ePayment API.

Known limitations

MobilePay app detection

For MobilePay App Facade merchants, there are sometimes failures when attempting to checking if MobilePay is installed on a user's phone. We recommend using universal links/asset links where possible to mitigate this problem.

Payment Service Providers (PSP)

Cross-border pass-through payments to merchants are limited.

MobilePay Online can be used between Denmark and Finland.

Vipps PSP can be used in Norway. Swedish users may pay to Norwegian merchants through the Vipps PSP, but this depends on whether or not the PSP will allow Swedish cards. Most work, but 3DS may fail for some users.

Landing page branding

When supporting multiple markets, you can include both the Vipps and MobilePay buttons in the checkout process.

🚩 When using ePayment or Recurring, the branding of the landing page will reflect the sales unit's country.

Norway

Landing page for Norwegian sales units:

Finland and Denmark

Landing page for Danish and Finnish sales units:

eCom API

Applicable only for Norwegian merchants

For merchants still using the Vipps eCom API, normal payments should be possible from international users; however, there are some limitations with the other eCom features.

Payment creation

POS payments will not work because the country code is missing from the mobile number in the eCom initiate payment endpoint. The request expects all phone numbers to be Norwegian.

It is possible to pay if the merchant uses the one-time payment QR or the Merchant redirect QR.

Payments that go through the landing page also work fine, because the landing page provides us with the country code. Payments that skip the landing page are not possible for international users.

Skipping the landing page

When using SkipLandingPage in the eCom API, it's not possible to start payments with the country code. Therefore, if your integration uses SkipLandingPage (e.g., POS, vending machines), it's only possible to start a payment to a Norwegian phone number.

Express checkout

It's possible for international users to use eCom Express checkout, when they provide a Norwegian address.

If a non-Norwegian address is entered, the user is blocked from proceeding. In such a case, the user will encounter an error in the app when attempting to pay and will be prompted to enter a Norwegian address to continue. It's likely that the payment process will either time out or the user will cancel the transaction in this scenario.

Note that the express checkout payment details, returned by the eCom API: Get Payment Details endpoint, do not contain the country code:

"userDetails": {
        "email": "user@example.com",
        "firstName": "Ada",
        "lastName": "Lovelace",
        "mobileNumber": "12345678",
        "userId": "3WYqbLVX139VmM0hxo3fSA=="
}

Profile sharing

Profile sharing works as expected. When you check user info with the sub, you will get the country code of the user.