Payment scenarios

You can offer Vipps MobilePay as a payment method in your online checkout, in physical stores, through QR codes, and many other ways. You may sell physical products, services, or downloadable products.

Here's how to use our APIs for different types of payments:

Webshop for physical products

• Offer Vipps/MobilePay as a payment method in your checkout.
• Create the payment request from your online system.
• Capture the payment when you ship the product.

See Flows: Online payments.

Webshop for digital products

Same as above, except that you can usually Capture the payment immediately after reservation.
If there's production time or a possible delay, adjust the capture timing to when the product is ready to be delivered.

In-store purchases

• Offer customers Vipps/MobilePay as the payment method in your store
• Create the payment request from your cash register system.
• Capture the payment immediately, since they received the product.

See Flows: In-store payments.

QR code purchases in physical locations

Allow purchases by letting customers scan a QR code in your window. Capture the payment when the service or good is provided/shipped.

See Flows: QR directing to the merchant site and Flows: Unmanned electric vehicle charging.

Recurring payments

Allow customers to purchase a subscription or pay for recurring expenses.

See Recurring: Create recurring agreements.

Offering multiple payment scenarios

If you offer multiple payment scenarios, you may need more than one sales unit.
This is why:

1. Different payment scenarios have different regulatory requirements, so you may need separate sales units to cover different scenarios. In particular, it is important to document whether or not a customer was physically present during the purchase. This is because in-person and remote sales require separate handling for "Know Your Customer" (KYC) and compliance checks. These are managed per sales unit.

2. The Merchant Category Code (MCC) for your sales unit must correctly match the goods and services you provide. If you need more than one MCC, then you likely need more than one sales unit.

Having multiple sales units can provide benefits:

• Each sales unit has its own name presented to the user in the app
• Each sales unit has separate transaction logs
• Each sales unit can have its own settlement account.
  (Sharing a single account across multiple sales units is available on request.)

To learn about setting up multiple sales units, see How to set up multiple sales units.