Offering Vipps/MobilePay in the Nordics

Businesses registered in Denmark, Finland, and Norway can offer Vipps and MobilePay to their customers.

Companies registered in Denmark can offer MobilePay to residents of Denmark. The currency is Danish krone (DKK).

Companies registered in Finland can offer MobilePay to residents of Finland. The currency is euro (EUR).

Companies registered in Norway can offer Vipps to residents of Norway and Sweden. The currency is Norwegian krone (NOK).

Swedish users can use the Vipps app to purchase services from most Norwegian companies. The currency is Norwegian krone (NOK).

To provide Vipps or MobilePay services, a merchant must enter into a merchant agreement with Vipps MobilePay. See requirements and guidelines at: Apply for services.

Related pages:

• Brand guidelines
• User requirements

Software considerations across borders

If you are using the latest Vipps MobilePay APIs (i.e., ePayment), most of your software can be reused in the other countries where we offer services.

note

Vipps eCommerce merchants must have migrated from the eCom API to the ePayment API.

MobilePay merchants must have migrated to Vipps MobilePay APIs.

There are shorter payment time limits in Denmark and Finland, and other regulations may be different. For more details about these differences, see Payment rules.

Limitations for Swedish users

Swedish users can use the Vipps app to pay to Norwegian companies that use ePayment, Recurring, and Checkout. For merchants using eCom this works for normal payments; however there are some limitations with the other eCom features. We strongly recommend migrating from eCom to the ePayment API to support Swedish users, and soon MobilePay users from Denmark and Finland.

Payment creation

The eCom endpoint for creating payments (POST:/ecomm/v2/payments) doesn't have a field for country code and expects all phone numbers to be Norwegian.

Payments that go through the landing page 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

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

Note that, when you check user info with the sub, you get the country code of the user (a user may have a Swedish phone number and still have a Norwegian address).

Express checkout

We allow the user to make a payment if a Norwegian address is provided. If a Swedish 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.

The express checkout payment details, returned by GET:/ecomm/v2/payments/{orderId}/details, do not contain the country code:

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

If the merchant needs the country code in these cases, check the user info endpoint with the sub. This will provide the phone number with county code.

Profile sharing

Profile sharing works as expected. When merchant checks user info with the sub, they get the country code of the user.

Limitations for using PSP with Swedish users

The behavior of PSP payments depends on whether or not the PSP will allow Swedish cards. Most work, but 3DS may fail for some users.