Offering Vipps MobilePay in the Nordics

Apply for services to become a Vipps MobilePay merchant.

Vipps and MobilePay are available in Denmark, Finland, Norway, and Sweden.

• Norwegian and Swedish users have the Vipps app.
• Danish and Finnish users have 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. Follow the brand guidelines. Be aware of landing page branding.

Currency support across all products

For all Vipps MobilePay products, including Recurring Payments and ePayments, the following currency rules apply:

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

Examples

• Merchants in Denmark must transact in DKK.
• Merchants in Norway must transact in NOK.
• Merchants in Finland must transact in 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

We recommend MobilePay merchants to migrate to Vipps MobilePay APIs.

Vipps eCommerce 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. Be aware that the default branding of the landing page will reflect the country associated with the sales unit (e.g., Vipps for Norway, MobilePay for Denmark and Finland).

Vipps

MobilePay

When using Login or Checkout, you can specify the applicable market and then get your desired branding for the landing page. However, when using ePayment or Recurring, the landing page always either show Vipps or MobilePay based on the country in which the sales unit is registered.

eCom API

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

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

Applies to Norwegian merchants

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.

SkipLandingPage

Applies to Norwegian merchants

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

Applies to Norwegian merchants

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