Direct integration and PSP integration
There are two ways to use Vipps MobilePay:
- Direct integration: The merchant or partner uses the APIs directly (e.g., ePayment, eCom, Checkout, Recurring, Login, Userinfo, Order Management, QR). All the functionality of the APIs can be used and combined, as described in Recommended flows.
- PSP integration: The merchant or partner uses the PSP's API, which is based on our PSP API. The merchant or partner does not have a direct communication with Vipps MobilePay, and uses none of our services directly. Without a direct integration it is not possible to use all functionality provided by our APIs.
How the PSP API works
The PSP API provides tokens for the users' payment cards. The PSPs uses the token charge a user's card.
To put it simply, The PSP API is a "card token lookup service". The PSP uses the token to process the payment, and then send us an update to us about the success or failure.
Benefits of direct integration
- Direct integration gives you more control over the integration - and the user experience - and lets you customize it to your specific needs. This leads to a better user experience for your customers and also increased conversion.
- Extremely high completion rate. With a direct integration, you use the Vipps MobilePay APIs directly without any additional steps or middleware.
- Retry functionality: If the user attempts to pay with a card that is declined, the user can retry with a different card, while still in the same payment process. This results in a higher success rater for payments. The PSP API does not have this functionality, as it is the PSP, not Vipps, that (attempts or) makes the charge.
- With direct integration there is no need for the user to confirm with 3D Secure, BankID, etc., as this additional security provided when logging into the Vipps or MobilePay app. We have taken care of the regulatory required "strong customer authentication" (SCA, required by the Payment Services Directive 2, PSD2), as we have regulatory approved delegated SCA from the card issuers. Details: When do users get a "soft decline" and need to complete a 3-D Secure verification?
- Express checkout, where the user selects shipping address and shipping method in the Vipps or MobilePay app, is only available with direct integration.
- Userinfo, which lets merchants ask for the user's profile information (name, address, email, phone number, birthdate, etc.) as part of the payment flow, is only available with direct integration.
- With direct integrations the merchant is guaranteed to get the money, as Vipps MobilePay takes the risk in case of fraud.
Extremely high success rate of direct integrations
We have extremely high success rate (low drop-off) for direct integration. Almost every user selecting to pay with Vipps completes the payment. The success rate is significantly higher than when using a payment card directly.
When comparing success rates: Remember to compare data for when the user selects payment method, do not compare Vipps to numbers for when the user has selected card payment and already has manually entered the card number, etc.:
- Drop-off data for Vipps: Measure the success rate after the user has selected Vipps MobilePay.
- Drop-off rate for cards: Measure the success rate after the user has selected card, but from before the user has to enter the card details.
Users that select Vipps will simply have to use biometric log-in to the app and confirm the payment. Very, very simple.