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Offering Vipps MobilePay in the Nordics

Apply for services to join as a Vipps MobilePay merchant.

Where the app is available​

The app is available in these regions:

  • Norwegian and Swedish regions: The Vipps app (orange)
  • Danish and Finnish regions: The MobilePay app (blue)

User requirements by region​

For user eligibility, requirements, and getting started guides, see:

RegionResources
DenmarkEnglish | Dansk
FinlandEnglish | Suomi
Greenland (Danish region)English | Dansk
NorwayEnglish | Norsk
SwedenEnglish | Svenska

Residents of the Faroe Islands can use the app as part of the Danish region, with a Danish CPR number and phone number. They can add Faroese bank accounts and cards.

Cross-border payments​

Users can pay any Nordic merchant, whichever region they are in. For example, a Norwegian user can pay a Danish merchant, and a Finnish user can pay a Norwegian merchant.

Considerations​

Payment options​

If you sell in several markets, show both the Vipps and MobilePay buttons in your checkout so customers with either app can pay.

Best practices:

  • Present each brand as a separate selection
  • Place the local brand name first based on your target market
  • Follow the brand guidelines for proper button styling and placement

Currency requirements​

For payments using WALLET, the currency used must match the region where your sales unit is registered. This ensures compliance with local regulations and smooth payment processing.

Sales unit regionRequired currencyNotes
DenmarkDKK (Danish Krone)Includes merchants in Greenland
FinlandEUR (Euro)
NorwayNOK (Norwegian Krone)Swedish users pay Norwegian merchants in NOK

PSPs using the PSP ePayment API are not limited to the currency registered for the sales unit. They can use any supported currency, subject to their commercial agreement.

Note

The Danish and Finnish markets have shorter payment time limits, and some other regulations differ. For more details, see:

Shipping support for Express​

For Express, the shipping address must match the payment currency's country unless you set shipping.allowedCountries. Set this to a list of ISO 3166-1 alpha-2 country codes to support delivery to one or more other countries. Each shipping option must use the payment currency.

Technical implementation​

Use our latest APIs to support all Nordic markets.

Cross-border support

Users in all Nordic markets can pay merchants through the ePayment and Recurring APIs, and log in through the Login API.

App behavior​

Norwegian and Swedish users pay Danish and Finnish merchants with the Vipps app, and Danish and Finnish users pay Norwegian merchants with the MobilePay app. The same applies to login.

Our redirect setup opens the correct app for the user. Both universal links and deep links can open either the Vipps or the MobilePay app, so you do not need any extra logic.

Recommended solution: Use universal links for better reliability and user experience.

Important: Do not try to detect whether the Vipps or MobilePay app is installed, because it can block users of the other app. For example, if a Norwegian merchant checks for the Vipps app, Danish and Finnish users cannot complete their payment.

Landing page branding​

The landing page branding follows your sales unit's region, not the user's region.

Payments​

For payments (ePayment and Recurring), the landing page always uses the branding of the region where your sales unit is registered.

Tip

On a website, use the Widget SDK. It opens the landing page for you and shows a payment button with the correct brand for your market.

Login​

For Login, the landing page uses your sales unit's region by default. To override it, set the market query parameter in your initial login request:

  • market=NO or market=SE: Landing page displays Vipps branding (logo and colors)
  • market=DK or market=FI: Landing page displays MobilePay branding (logo and colors)

See the Login API guide for details.

Pass-through payments​

Use the ePayment PSP API and Recurring PSP API. They support cross-border payments in all markets.

The legacy PSP APIs have limited cross-border support:

  • MobilePay Online: Danish and Finnish markets only
  • Vipps PSP: Norwegian merchants only. Swedish users can pay, but depending on the PSP configuration, 3DS authentication may fail for some of them.

eCom API​

Norwegian merchants only: The eCom API is only available to Norwegian merchants. See eCom API limitations for restrictions on international use.

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