Payment overview

The general payment flow for a successful payment is as follows:

Payment flow

Each of these operations are described in this section.

• Initiate payment
• Reserve and capture
• Cancel
• Refund

There are limitations to when you can capture the payment. Please see:

• Payment capture deadlines
• Capture regulations

Minimum payment amounts

The minimum amount for a payment transaction varies by API and currency.

• ePayment API: NOK 100 øre, DKK 1 øre, EUR 1 cent.
• Checkout API: NOK 1 øre, DKK 1 øre, EUR 1 cent.
• Recurring API: NOK 100 øre, DKK 100 øre, EUR 1 cent.
• eCom API (Vipps only): NOK 100 øre.

Payment and settlements

The merchant portal provides information about your transactions, sales units, and settlement reports. You can also subscribe to daily or monthly transaction reports by email.

Related pages:

• Report API
• Settlements

Payment guidelines and regulations

Please see:

• Payment capture deadlines
• Capture regulations
• Customer protection
• Release unused funds

The landing page

The Vipps MobilePay landing page is a web page where customers are directed after initiating a payment on a device where the Vipps MobilePay app is not installed. They enter their phone number, click Next, and then open the app on their phone to authorize the payment.

See Landing page for more details.

Card payments

The ePayment API and the Checkout API support freestanding card payments: Users can enter their card details and pay with the card without using the app. This means that payments are possible also for users in countries where Vipps MobilePay is not yet available.

Both Visa and Mastercard are supported. This includes any cards that are co-branded with VISA and Mastercard.

Visa Electron is supported, if the card is enabled for online purchases.

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To reduce risk, we do a 3D Secure step-up for all cards used for freestanding payments. This is because, when users are making freestanding payments, the delegated SCA that is used in the app isn't present. If the issuer does not handle 3D Secure correctly, the payment will fail.

Cards issued in the following countries are accepted:

• EEA/EØS (European Economic Area)
• Australia
• Canada
• Israel
• Japan
• New Zealand
• Republic of Korea
• Switzerland
• UK
• USA

tip

Just to avoid confusion: Payments with the app are also done using the users' cards that they have been added there. The user gets all the benefits of the card, and since the app has delegated SCA, the user gets a faster and simpler user experience. See also: Direct integration and PSP integration.

See Card payment deadlines may vary.

PSP versus direct integration

We have extremely high success rate (low drop-off) for direct integration. The success rate for PSP integrations is not quite as high. See: Direct integration and PSP integration.

Troubleshooting

If you are having problems with an integration, have a look at the Payment FAQ.