Payment rules
Regulatory requirements for purchases
It's possible to use Vipps MobilePay for several types of payments. The regulatory requirements are different for different types of purchases. One major difference is if the cardholder is physically present and "can look the seller in the eye" while making the payment.
Vipps MobilePay must conduct detailed "Know Your Customer" (KYC) and compliance checks for each individual sales unit. Additionally, Vipps MobilePay is obligated to assign the appropriate (Merchant Category Code) for every sales unit. Consequently, merchants must sometimes create separate sales units for different types of transactions.
Customer protection
We comply with local applicable laws as well as guidance from the Norwegian Data Protection Authority, Datatilsynet, and other relevant local authorities.
The customer must actively accept the terms and conditions for the purchase. This is not possible if you just send a deeplink.
Release unused funds
The merchant must always release any funds they will not charge, as soon as possible. This is done by cancelling the payment.
Cancelling a payment provides a good user experience and synchronizes the user's bank statement and the Vipps or MobilePay app payment overview with their expectations from a merchant.
Cancelling the remainder of a reserved payment will benefit the customer, who will then have the amount available for other purposes.
Payment deadlines
Please see: