Payment overview
The regulatory requirements are different for different types of purchases. See Payment rules.
Payment flow
When you create a payment with the user's phone number, they will get a notification in their Vipps or MobilePay app. If you don't have their phone number, you can specify that they should be directed to the Vipps MobilePay landing page, where they enter their phone number and then open their own app.
Creating a payment can be done with any of the following APIs:
- ePayment API: Create payment
- Recurring API: Create a charge
- Checkout API: Initiate a session
- eCom API (Vipps only and deprecated): Initiate a payment
Within the user's Vipps or MobilePay app, they will be presented with a payment screen with the following details:
- Sales unit name - The name of the sales unit. A merchant can have multiple sales units to represent different physical shops, vending machines, collection points, services, and similar.
- Merchant name / Organization name - The name of the merchant that owns this sales unit.
- Merchant Serial Number - The Merchant Serial Number (MSN), or ID number for a sales unit.
- Description / Reference (orderId) - The description or orderId associated with this purchase, as provided by the merchant.
When the user authorizes the payment, the amount will be reserved. It will remain in the reserved state up it is captured or cancelled.
A payment must be handled within the payment time limits. If it's not captured or cancelled within this time, it will be automatically cancelled.
The ePayment API and Order Management API allow you to provide meaningful receipts for payments.
Capture is the operation that moves the money from the customer's account to the merchant's account. This can take a few days, depending on your bank. For more details, see the Capture section.
You can also cancel payments that should not be processed. For more details, see the Cancel section.
For problems with your integration, check the Payment FAQ.
Some APIs can use credit cards for payments. See Card payments for details.
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.
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.
Important considerations
Using a PSP or integrating yourself
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.
Finding information about 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:
Learning the regional payment regulations
Please see:
Troubleshooting
See Frequently asked questions and common problems with payments.