Countries where you can offer Vipps and MobilePay services

We allow merchants in Norway, Denmark, and Finland to offer Vipps and MobilePay services in these countries.

The merchant must have a merchant agreement that is unique for each country (e.g., Norway, Denmark, or Finland) and a bank account in the same country. For more requirements, see: Apply for services.

Once you're approved, we'll send you a sales unit which operates with the correct currency and branding.

• In Denmark, use MobilePay with the Danish Krone
• In Finland, use MobilePay with the Euro
• In Norway, use Vipps with the Norwegian Krone
• Sweden is not open for businesses, but Swedish users can pay and log-in with Norwegian companies with the Vipps app. See Payments from Sweden.

We use the MobilePay brand in Denmark and Finland, and the Vipps brand in Norway.

• See Who can pay with Vipps MobilePay for user requirements.
• See brand guidelines for buttons and logos.

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.

Payments from Sweden

It is possible for Swedish users to use the Vipps app to pay to Norwegian companies that use ePayment, Recurring, and Checkout. They can also log in with Vipps, supported by the Login API. We will soon open up for MobilePay users from Denmark and Finland as well.

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.

Limitations for using eCom with Swedish users

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.