> **Description:** Understanding settlement processes, including how to identify which payments make up a bank transfer, settlement schedules, reports, and transaction details for Vipps MobilePay payments.

# Settlements

When you capture a payment, Vipps MobilePay batches your transactions and transfers the funds to your bank account. Understanding how this works helps with cash flow planning, accounting reconciliation, and spotting discrepancies quickly.

The settlement process adheres to our [terms and conditions](https://vippsmobilepay.com/en-NO/legal/terms-and-conditions).

## Settlement frequency

Choose the frequency that fits your cash flow and reconciliation needs:

| Frequency | Calculation time | Best for |
|---|---|---|
| **Daily** | Every day at midnight, including weekends and bank holidays | High-volume merchants who need funds quickly |
| **Weekly** | Every Monday | Businesses that reconcile weekly |
| **Monthly** | First day of the month | Businesses that reconcile monthly or prefer fewer bank entries |

**INFO**

You can change the settlement frequency yourself on the [business portal](https://portal.vippsmobilepay.com) -- no approval required, as long as there are no risk factors on the account.
Select your sales unit in the sidebar to see its settings, then click *Edit* in the *Settlement* section.

Settlements are calculated every day at midnight, including weekends and bank holidays.

## Settlement flow

Settlements can occur at [`daily`, `weekly`, or `monthly`](#settlement-frequency) intervals.
[Settlement reports are available](#settlement-report-availability)
within a few hours after the settlement (one file every day).

Payments are processed every day, but the banks may not book them until the next banking day.
For example, the payout for Friday, Saturday, and Sunday arrive as three separate transactions and
each payout has a separate settlement file.

There is only one payout per settlement period. Even if there
have been thousands of payments in one week, there will still only be one
payment (e.g., lump sum) from us to the merchant.
The settlement reports have all the details for each of the thousands of payments.
Additionally, there is one payment per sales unit and this includes a corresponding settlement file.

The daily settlement flow for Vipps is as follows:

* Day 1:
  * The payment is captured.
  * At midnight: We calculate the settlement.
* Day 2: We make the settlement data available (See [How to get settlement data](#how-to-get-settlement-data)).
* Day 3: We send the payment to the merchant's bank account. The bank may not book it until the next banking day.

For example:

* Monday capture results in a Wednesday payment
* Friday capture results in a Tuesday payment

 Money is *normally* available in the account before noon.

The daily settlement flow for MobilePay with midnight cutoff:

* Day 1:
  * The payment is captured.
  * At midnight: We calculate the settlement.
* Day 2:
  * We make the settlement data available (See [How to get settlement data](#how-to-get-settlement-data)).
  * We send the payment to the merchant's bank account. The bank may not book it until the next banking day.

For example:

* Monday capture results in a Tuesday payment
* Friday capture results in a Monday payment

## Understanding your bank transfer

Your bank statement shows a single lump sum from Vipps MobilePay per sales unit per settlement period -- not a line per transaction. This section explains how to trace that transfer back to the individual payments behind it.

Each settlement period produces a single payout -- a lump sum transferred from Vipps MobilePay to your bank account (see [Settlement flow](#settlement-flow)).
Your bank statement will show one transfer per sales unit per settlement period, not a separate line for each individual payment.

### Bank reference text

Each transfer includes a reference text that you can use to identify it.

**Norway**

Format: `Utb. {Recipient} Vippsnr {PayoutNumber}`

Example: `Utb. 2000810 Vippsnr 117703`

This format is not configurable.

**Denmark and Finland**

Default format: `02{Recipient:08}001{DD}{MM}{YY}{C}`

The format can be customized on the [business portal](https://portal.vippsmobilepay.com) on the *Details* page for the sales unit.

**NOTE**

Vipps MobilePay sends the reference text to your bank, but has no control over how your bank displays it in online banking or printed statements.

### Finding the payments behind a payout

Once you have identified the payout reference in your bank statement, you can find the individual payments that make up that transfer:

* **Without the Report API:** Download the settlement report from the [business portal](https://portal.vippsmobilepay.com) (*Reports* section).
  In the report, `Payout scheduled` rows include a *Payout number* column.
  The payment rows surrounding a `Payout scheduled` entry belong to that payout.
* **With the Report API:** The `reference` field on a `payout-scheduled` entry in the funds feed matches the reference text on your bank statement.
  See the [Report API FAQ -- Bank payouts](https://developer.vippsmobilepay.com/docs/APIs/report-api/report-api-faq.md#bank-payouts) for details and an example.

## How to get settlement data

You can get the settlement data in these ways:

* [Get data through the Report API](#get-data-through-the-report-api)
* [Download reports from the business portal](#download-settlement-reports)

### Get data through the Report API

Use the [Report API](https://developer.vippsmobilepay.com/docs/APIs/report-api/README.md) to get your settlement data programmatically.
With this API, you can get daily or continuous-feed settlement data for your accounts. See the
[Report API guide](https://developer.vippsmobilepay.com/docs/APIs/report-api/api-guide/README.md) for details.

### Download settlement reports

You can download reports from the
[business portal](https://portal.vippsmobilepay.com) in the *Reports* section.

If the `Personal information` option is selected in the download dialog, the report may include personal details of customers. Please consider [GDPR](#gdpr).

#### New reports

**New default format**

This is the default report format in the business portal.
The [legacy reports](#legacy-reports) are still available for backwards compatibility.

**The new report format is:**

* Simpler
* More flexible, with customizable options
* A more complete and transparent reflection of account activity, especially helpful if unexpected events occur
* Better aligned with the [Report API](https://developer.vippsmobilepay.com/docs/APIs/report-api/api-guide/README.md)
* Uniform across all markets
* Faster to download, especially for large files

**Good to know about the new reports:**

* The `Details` sheet in `xlsx` and the `csv` export present account activity as a chronological list.
  This makes it easier to trace the sequence of events for troubleshooting or reconciliation.
* The report includes all activity for the selected days,
  regardless of whether payouts have been scheduled on those days.
  For example, if today is included in the report period,
  you'll see today's transactions even if a payout hasn't been processed yet.
* A single report can cover multiple sales units.
  Entries are ordered first by sales unit and then chronologically by time.
* The report can be configured to include only payouts.
  This can be helpful (and much faster to generate)
  for sales units with high transaction volumes that are only interested in payouts.

##### Formats

###### XLSX

`xlsx` is best for overview, reconciliation, and spreadsheet work.
It contains a [`Summary` sheet](#summary-sheet) and a [`Details` sheet](#details-sheet).
The sheets are set up as Excel tables, so they work well as a source for pivot tables, and each column can be filtered and sorted on right away.

###### CSV

`csv` is best for imports and data processing.
It's equal to the [`Details` sheet](#details-sheet) in `xlsx`.

##### Summary sheet

The `Summary` sheet gives a simple overview for each sales unit and booking date, including captures, refunds, fees, payouts, and any remaining end-of-day balance. The totals row at the bottom updates automatically when you filter the table.
At the top of the sheet, there is also a short preamble with report information such as the company, reporting period, when the file was generated, and the timezone used in the report.

These are the columns in the `Summary` sheet:

| Column name | Description |
|---|---|
| Sales unit | The name of the sales unit. |
| MSN/Vipps number or MSN/MobilePay number | MSN for ePayment sales units; Vipps number (Norway, Sweden) or MobilePay number (Denmark, Finland) for others. The column name varies by market. |
| Booking date | The date this summary covers. |
| Country | The country that the sales unit operates in. |
| Currency | The currency used. |
| Capture count | The number of captures on that date. |
| Refund count | The number of refunds on that date. |
| Captures | The total amount captured on that date. |
| Refunds | The total amount refunded on that date. |
| Fees | The total fees for that date. |
| Other | Other entries for that date, such as corrections or top-ups. |
| Payout | The amount paid out on that date, when applicable. |
| Remaining balance | The balance remaining after that booking date. |
| Fee status | Whether fees were retained or invoiced. The cell is blank if that date's fees have not yet been retained or invoiced. |
| Payout reference | The payout reference text. |
| Payout bank account | The bank account used for the payout. |
| Scheduled payout date | The date the payout is scheduled to be executed. |
| Remarks | Extra information for exceptional cases, such as dates that are not yet closed. |

| Kolonnenavn | Beskrivelse |
|---|---|
| Salgssted | Navnet på salgsstedet. |
| MSN/Vippsnummer | MSN for ePayment-salgssteder; Vippsnummer for andre. Kolonnenavnet varierer etter marked. |
| Bokføringsdato | Datoen dette sammendraget gjelder for. |
| Land | Landet salgsstedet opererer i. |
| Valuta | Valutaen som er brukt. |
| Antall belastninger | Antall belastninger den dagen. |
| Antall refusjoner | Antall refusjoner den dagen. |
| Belastninger | Totalt belastet beløp denne dagen. |
| Refusjoner | Totalt refundert beløp denne dagen. |
| Gebyrer | Totale gebyrer for denne dagen. |
| Andre | Andre oppføringer denne dagen, for eksempel korreksjoner eller balanseøkninger. |
| Utbetaling | Beløpet som ble utbetalt denne dagen, når det er relevant. |
| Gjenstående balanse | Balanse som gjenstår etter denne bokføringsdatoen. |
| Gebyrstatus | Viser om gebyrene er fratrukket eller fakturert. Cellen er tom hvis gebyrene for den dagen ennå ikke er fratrukket eller fakturert. |
| Utbetalingsreferanse | Referanseteksten for utbetalingen. |
| Bankkonto for utbetaling | Bankkontoen som brukes til utbetalingen. |
| Planlagt utbetalingsdato | Datoen utbetalingen er planlagt å bli utført. |
| Merknader | Ekstra informasjon for spesielle tilfeller, for eksempel datoer som ikke er lukket ennå. |

| Kolonnenavn | Beskrivelse |
|---|---|
| Salgssted | Navnet på salgsstedet. |
| MSN/MobilePay-nummer | MSN for ePayment-salgssteder; MobilePay-nummer for andre. Kolonnenavnet varierer efter marked. |
| Bogføringsdato | Datoen denne oversigt gælder for. |
| Land | Landet salgsstedet opererer i. |
| Valuta | Valutaen der bruges den dag. |
| Antal betalinger | Antallet af betalinger den dag. |
| Antal refusioner | Antallet af refusioner den dag. |
| Betalinger | Det samlede beløb der er betalt den dag. |
| Refusioner | Det samlede beløb der er refunderet den dag. |
| Gebyrer | De samlede gebyrer for den dag. |
| Andre | Andre poster den dag, fx korrektioner eller balanceforøgelser. |
| Udbetaling | Det beløb der blev udbetalt den dag, når det er relevant. |
| Resterende balance | Den balance der er tilbage efter denne bogføringsdato. |
| Gebyrstatus | Viser om gebyrerne er fratrukket eller faktureret. Cellen er tom, hvis gebyrerne for den dag endnu ikke er fratrukket eller faktureret. |
| Udbetalingsreference | Udbetalingens referencetekst. |
| Bankkonto for udbetaling | Den bankkonto der bruges til udbetalingen. |
| Planlagt udbetalingsdato | Datoen udbetalingen er planlagt til at blive udført. |
| Bemærkninger | Ekstra information om særlige tilfælde, fx datoer der endnu ikke er lukket. |

| Sarakkeen nimi | Kuvaus |
|---|---|
| Myyntipaikka | Myyntipaikan nimi. |
| MSN/MobilePay-lyhytnumero | MSN ePayment-myyntipaikoille; MobilePay-lyhytnumero muille. Sarakkeen nimi vaihtelee markkinan mukaan. |
| Kirjauspäivä | Päivämäärä, jota tämä yhteenveto koskee. |
| Maa | Maa, jossa myyntipaikka toimii. |
| Valuutta | Tuona päivänä käytetty valuutta. |
| Veloitusten määrä | Veloitusten määrä tuona päivänä. |
| Hyvitysten määrä | Hyvitysten määrä tuona päivänä. |
| Toteutuneet | Sinä päivänä veloitettu kokonaissumma. |
| Hyvitykset | Sinä päivänä hyvitetty kokonaissumma. |
| Palkkiot | Palkkiot yhteensä tuona päivänä. |
| Muut | Muut tapahtumat tuona päivänä, kuten korjaukset tai saldon korotukset. |
| Maksu | Tuona päivänä maksettu summa, jos sellainen on. |
| Jäljellä oleva saldo | Tämän kirjauspäivän jälkeen jäljellä oleva saldo. |
| Palkkion tila | Näyttää, onko palkkio vähennetty vai laskutettu. Solu on tyhjä, jos kyseisen päivän palkkiota ei ole vielä vähennetty tai laskutettu. |
| Maksuviite | Maksun viiteteksti. |
| Maksutili | Maksuun käytetty pankkitili. |
| Suunniteltu maksupäivä | Päivämäärä, jolloin maksu on suunniteltu suoritettavaksi. |
| Huomautukset | Lisätietoa poikkeustilanteista, kuten päivistä joita ei ole vielä suljettu. |

| Kolumnnamn | Beskrivning |
|---|---|
| Försäljningsställe | Försäljningsställets namn. |
| MSN/Vipps-nummer | MSN för ePayment-försäljningsställen; Vipps-nummer för andra. Kolumnnamnet varierar beroende på marknad. |
| Bokföringsdatum | Datumet som den här sammanställningen gäller för. |
| Land | Landet där försäljningsstället verkar. |
| Valuta | Valutan som används den dagen. |
| Antal belastningar | Antalet belastningar den dagen. |
| Antal återbetalningar | Antalet återbetalningar den dagen. |
| Belastningar | Det totala belastade beloppet den dagen. |
| Återbetalningar | Det totala återbetalade beloppet den dagen. |
| Avgifter | De totala avgifterna för den dagen. |
| Övrigt | Andra poster den dagen, till exempel korrigeringar eller balanspåfyllningar. |
| Utbetalning | Beloppet som betalades ut den dagen, när det är relevant. |
| Återstående balans | Balansen som återstår efter detta bokföringsdatum. |
| Avgiftsstatus | Visar om avgifterna har dragits av eller fakturerats. Cellen är tom om avgifterna för den dagen ännu inte har dragits av eller fakturerats. |
| Utbetalningsreferens | Referenstexten för utbetalningen. |
| Bankkonto för utbetalning | Bankkontot som används för utbetalningen. |
| Planerat utbetalningsdatum | Datumet då utbetalningen är planerad att genomföras. |
| Anmärkningar | Extra information för särskilda fall, till exempel datum som ännu inte är stängda. |

##### Details sheet

These are the columns in the `Details` sheet in the `xlsx` and `csv` formats:

| Column name           | Description |
|-----------------------|-------------|
| Sales unit            | The name of the sales unit. |
| MSN/Vipps number or MSN/MobilePay number | MSN for ePayment sales units; Vipps number (Norway, Sweden) or MobilePay number (Denmark, Finland) for others. The column name varies by market. |
| Country               | The country that the sales unit operates in. |
| Payment solution      | The payment solution used for the transaction, e.g., `Checkout`, `Shopping basket`. |
| Time                  | The timestamp for the entry, in the timezone specified in the preamble on the [`Summary` sheet](#summary-sheet). |
| Booking date          | The date the entry is booked on. |
| Type                  | Entry type (see [below](#entry-types)). |
| Amount                | Transaction amount. The sign of the amount indicates how it affects the balance. For instance, a `Capture` increases the balance, while a `Payout scheduled` decreases it. |
| Balance               | The balance *after* the transaction, representing the running amount owed by Vipps MobilePay to the sales unit. It can be negative if the sales unit currently owes Vipps MobilePay money (e.g. after large refunds). The balance is typically reset to zero when a payout is scheduled. |
| Fee                   | The fee for the transaction. |
| Net amount            | The amount after fees for the entry. |
| Currency              | The currency of the transaction. |
| Customer name         | The full name of the customer. |
| Customer phone number | The masked phone number of the customer: country code and last four digits are visible (e.g., *+47 xxxx 5678*). |
| Message               | The customer's message for the transaction. |
| Category              | The transaction's category for *Open amount* payment solutions (when configured). |
| PSP reference         | Vipps MobilePay's reference for the entry (equals `pspReference` in the [Report API](https://developer.vippsmobilepay.com/docs/APIs/report-api/api-guide/README.md)). |
| Order ID/Reference    | Order ID for Vipps/MobilePay numbers; the merchant's own reference for ePayment transactions (equals `reference` in the [Report API](https://developer.vippsmobilepay.com/docs/APIs/report-api/api-guide/README.md)). |
| Payout number         | For `Payout scheduled` entries. |
| Payout bank account   | The bank account number for payouts. For `Payout scheduled` entries. |
| Scheduled payout date | The date the payout is scheduled to be executed. For `Payout scheduled` entries. |

| Kolonnenavn           | Beskrivelse |
|-----------------------|-------------|
| Salgssted             | Navnet på salgsstedet. |
| MSN/Vippsnummer       | MSN for ePayment-salgssteder; Vippsnummer for andre. |
| Land                  | Landet salgsstedet opererer i. |
| Betalingsløsning      | Betalingsløsningen som ble brukt for transaksjonen. |
| Tidspunkt             | Tidsstempelet for oppføringen, i tidssonen angitt i innledningen på arket [`Sammendrag`](#summary-sheet). |
| Bokføringsdato        | Datoen oppføringen bokføres på. |
| Type                  | Oppføringstype (se [under](#entry-types)). |
| Beløp                 | Transaksjonsbeløp. |
| Balanse               | Balansen *etter* transaksjonen. |
| Gebyr                 | Gebyret for transaksjonen. |
| Nettobeløp            | Beløpet etter gebyrer for oppføringen. |
| Valuta                | Valutaen for transaksjonen. |
| Kundens navn          | Kundens fulle navn. |
| Kundens telefonnummer | Kundens maskerte telefonnummer: landskode og de fire siste sifrene er synlige (f.eks. *+47 xxxx 5678*). |
| Melding               | Kundens melding for transaksjonen. |
| Kategori              | Transaksjonens kategori for *Valgfritt beløp*-betalingsløsninger. |
| PSP-referanse         | Vipps MobilePays referanse for oppføringen (tilsvarer `pspReference` i [Report API](https://developer.vippsmobilepay.com/docs/APIs/report-api/api-guide/README.md)). |
| Ordre-ID/Referanse    | Forhandlerens referanse for transaksjonen (tilsvarer `reference` i [Report API](https://developer.vippsmobilepay.com/docs/APIs/report-api/api-guide/README.md)). |
| Utbetalingsnummer     | For *Utbetaling planlagt*-oppføringer. |
| Bankkonto for utbetaling | Bankkontonummeret for utbetalinger. |
| Planlagt utbetalingsdato | Datoen utbetalingen er planlagt å bli utført. |

| Kolonnenavn           | Beskrivelse |
|-----------------------|-------------|
| Salgssted             | Navnet på salgsstedet. |
| MSN/MobilePay-nummer  | MSN for ePayment-salgssteder; MobilePay-nummer for andre. |
| Land                  | Landet salgsstedet opererer i. |
| Betalingsløsning      | Betalingsløsningen der blev brugt til transaktionen. |
| Tidspunkt             | Tidsstemplet for posten, i tidszonen angivet i indledningen på arket [`Oversigt`](#summary-sheet). |
| Bogføringsdato        | Datoen posten bogføres på. |
| Type                  | Posttype (se [nedenfor](#entry-types)). |
| Beløb                 | Transaktionsbeløb. |
| Balance               | Balancen *efter* transaktionen. |
| Gebyr                 | Gebyret for transaktionen. |
| Nettobeløb            | Beløbet efter gebyrer for posten. |
| Valuta                | Valutaen for transaktionen. |
| Kundens navn          | Kundens fulde navn. |
| Kundens telefonnummer | Kundens maskerede telefonnummer: landekode og de sidste fire cifre er synlige (f.eks. *+45 xxxx 5678*). |
| Besked                | Kundens besked for transaktionen. |
| Kategori              | Transaktionens kategori for *Valgfrit beløb*-betalingsløsninger. |
| PSP-reference         | Vipps MobilePays reference for posten (svarer til `pspReference` i [Report API](https://developer.vippsmobilepay.com/docs/APIs/report-api/api-guide/README.md)). |
| Ordre-ID/Reference    | Forhandlerens reference for transaktionen (svarer til `reference` i [Report API](https://developer.vippsmobilepay.com/docs/APIs/report-api/api-guide/README.md)). |
| Udbetaling nummer     | For *Udbetaling planlagt*-poster. |
| Bankkonto for udbetaling | Bankkontonummeret for udbetalinger. |
| Planlagt udbetalingsdato | Datoen udbetalingen er planlagt til at blive udført. |

| Sarakkeen nimi        | Kuvaus |
|-----------------------|-------------|
| Myyntipaikka          | Myyntipaikan nimi. |
| MSN/MobilePay-lyhytnumero | MSN ePayment-myyntipaikoille; MobilePay-lyhytnumero muille. |
| Maa                   | Maa, jossa myyntipaikka toimii. |
| Maksuratkaisu         | Tapahtumassa käytetty maksuratkaisu. |
| Aika                  | Merkinnän aikaleima [`Yhteenveto`-välilehden](#summary-sheet) alussa näkyvässä aikavyöhykkeessä. |
| Kirjauspäivä          | Päivämäärä, jolloin merkintä kirjataan. |
| Tyyppi                | Merkintätyyppi (katso [alla](#entry-types)). |
| Summa                 | Tapahtuman summa. |
| Saldo                 | Saldo tapahtuman *jälkeen*. |
| Palkkio               | Tapahtuman palkkio. |
| Nettosumma            | Summa palkkioiden jälkeen. |
| Valuutta              | Tapahtuman valuutta. |
| Asiakkaan nimi        | Asiakkaan koko nimi. |
| Asiakkaan puhelinnumero | Asiakkaan peitetty puhelinnumero: maatunnus ja neljä viimeistä numeroa näkyvät (esim. *+358 xxxx 5678*). |
| Viesti                | Asiakkaan viesti tapahtumalle. |
| Kategoria             | Tapahtuman kategoria *Mukautettu summa* -maksuratkaisuille. |
| PSP-viite             | Vipps MobilePayn viite merkinnälle (vastaa [Report API](https://developer.vippsmobilepay.com/docs/APIs/report-api/api-guide/README.md) -rajapinnan kenttää `pspReference`). |
| Tilaustunnus/Viite    | Kauppiaan viite tapahtumalle (vastaa [Report API](https://developer.vippsmobilepay.com/docs/APIs/report-api/api-guide/README.md) -rajapinnan kenttää `reference`). |
| Maksunumero           | *Maksu suunniteltu* -merkinnöille. |
| Maksutili             | Maksujen pankkitilin numero. |
| Suunniteltu maksupäivä | Päivämäärä, jolloin maksu on suunniteltu suoritettavaksi. |

| Kolumnnamn            | Beskrivning |
|-----------------------|-------------|
| Försäljningsställe    | Försäljningsställets namn. |
| MSN/Vipps-nummer  | MSN för ePayment-försäljningsställen; Vipps-nummer för andra. |
| Land                  | Landet där försäljningsstället verkar. |
| Betallösning          | Betallösningen som användes för transaktionen. |
| Tidpunkt              | Tidsstämpeln för posten, i tidszonen angiven i inledningen på bladet [`Sammanfattning`](#summary-sheet). |
| Bokföringsdatum       | Datumet då posten bokförs. |
| Typ                   | Posttyp (se [nedan](#entry-types)). |
| Belopp                | Transaktionsbelopp. |
| Balans                | Balansen *efter* transaktionen. |
| Avgift                | Avgiften för transaktionen. |
| Nettobelopp           | Beloppet efter avgifter för posten. |
| Valuta                | Transaktionens valuta. |
| Kundens namn          | Kundens fullständiga namn. |
| Kundens telefonnummer | Kundens maskerade telefonnummer: landskod och de fyra sista siffrorna är synliga (t.ex. *+46 xxxx 5678*). |
| Meddelande            | Kundens meddelande för transaktionen. |
| Kategori              | Transaktionens kategori för *Valfritt belopp*-betallösningar. |
| PSP-referens          | Vipps MobilePays referens för posten (motsvarar `pspReference` i [Report API](https://developer.vippsmobilepay.com/docs/APIs/report-api/api-guide/README.md)). |
| Order-ID/Referens     | Handlarens referens för transaktionen (motsvarar `reference` i [Report API](https://developer.vippsmobilepay.com/docs/APIs/report-api/api-guide/README.md)). |
| Utbetalningsnummer    | För *Utbetalning planerad*-poster. |
| Bankkonto för utbetalning | Bankkontonumret för utbetalningar. |
| Planerat utbetalningsdatum | Datumet då utbetalningen är planerad att genomföras. |

##### Entry types

Each entry has one of the types described below.
These correspond to the [Funds entry types](https://developer.vippsmobilepay.com/docs/APIs/report-api/api-guide/entry-types.md#funds-entry-types) returned by the Report API.
Additional types may be introduced in the future without prior notice; such updates will not be considered breaking changes.

| Type             | Description |
|------------------|-------------|
| Capture          | Payment from a customer to the merchant; increases the balance. |
| Refund           | Refund from the merchant to a customer; decreases the balance. |
| Payout scheduled | Scheduled payout from Vipps MobilePay to the merchant. Typically we pay out the entire outstanding balance, which resets it to zero. |
| Fees retained    | Amount retained by Vipps MobilePay to cover fees (includes capture and other fees); decreases the balance. Note: If you pay fees by invoice, they are not shown on this report. |
| Invoiced top-up  | Deposit by the merchant to Vipps MobilePay to cover a negative balance; increases the balance. This entry appears when the invoice is issued, not when it is paid. |
| Credit note      | Credit for a previously issued top-up invoice; decreases the balance. |
| Correction       | Manual adjustment to the balance (may be positive or negative). |

| Type             | Beskrivelse |
|------------------|-------------|
| Belastning       | Betaling fra en kunde til forhandleren; øker balansen. |
| Refusjon         | Refusjon fra forhandleren til en kunde; reduserer balansen. |
| Utbetaling planlagt | Planlagt utbetaling fra Vipps MobilePay til forhandleren. Vanligvis utbetaler vi hele den utestående balansen, som nullstiller den. |
| Gebyrer fratrukket | Beløp holdt tilbake av Vipps MobilePay for å dekke gebyrer; reduserer balansen. Merk: Hvis du betaler gebyrer via faktura, vises de ikke i denne rapporten. |
| Fakturert balanseøkning | Innskudd fra forhandleren til Vipps MobilePay for å dekke en negativ balanse; øker balansen. Denne oppføringen vises når fakturaen er utstedt, ikke når den er betalt. |
| Kreditnota       | Kreditering for en tidligere utstedt faktura for balanseøkning; reduserer balansen. |
| Korreksjon       | Manuell justering av balansen (kan være positiv eller negativ). |

| Type             | Beskrivelse |
|------------------|-------------|
| Betaling gennemført | Betaling fra en kunde til forhandleren; øger balancen. |
| Refusion         | Refusion fra forhandleren til en kunde; reducerer balancen. |
| Udbetaling planlagt | Planlagt udbetaling fra Vipps MobilePay til forhandleren. Typisk udbetaler vi hele den udestående balance, som nulstiller den. |
| Gebyrer fratrukket | Beløb tilbageholdt af Vipps MobilePay til at dække gebyrer; reducerer balancen. Bemærk: Hvis du betaler gebyrer via faktura, vises de ikke i denne rapport. |
| Faktureret balanceforøgelse | Indbetaling fra forhandleren til Vipps MobilePay for at dække en negativ balance; øger balancen. Denne post vises, når fakturaen er udstedt, ikke når den er betalt. |
| Kreditnota       | Kreditering for en tidligere udstedt faktura for balanceforøgelse; reducerer balancen. |
| Korrektion       | Manuel justering af balancen (kan være positiv eller negativ). |

| Tyyppi           | Kuvaus |
|------------------|-------------|
| Toteutunut       | Maksu asiakkaalta kauppiaalle; kasvattaa saldoa. |
| Hyvitys          | Hyvitys kauppiaalta asiakkaalle; pienentää saldoa. |
| Maksu suunniteltu | Suunniteltu maksu Vipps MobilePaylta kauppiaalle. Yleensä maksamme koko avoimen saldon, joka nollaa sen. |
| Palkkiot vähennetty | Vipps MobilePayn pidättämä summa palkkioiden kattamiseksi; pienentää saldoa. Huom: Jos maksat palkkiot laskulla, ne eivät näy tässä raportissa. |
| Laskutettu saldon korotus | Kauppiaan talletus Vipps MobilePaylle negatiivisen saldon kattamiseksi; kasvattaa saldoa. Tämä merkintä näkyy, kun lasku on laadittu, ei kun se on maksettu. |
| Hyvityslasku     | Hyvitys aiemmin lähetetystä saldon korotuslaskusta; pienentää saldoa. |
| Korjaus          | Manuaalinen saldon korjaus (voi olla positiivinen tai negatiivinen). |

| Typ              | Beskrivning |
|------------------|-------------|
| Belastning       | Betalning från en kund till handlaren; ökar balansen. |
| Återbetalning    | Återbetalning från handlaren till en kund; minskar balansen. |
| Utbetalning planerad | Planerad utbetalning från Vipps MobilePay till handlaren. Vanligtvis betalar vi ut hela det utestående saldot, vilket nollställer det. |
| Avgifter avdragna | Belopp som hålls inne av Vipps MobilePay för att täcka avgifter; minskar balansen. OBS: Om du betalar avgifter via faktura visas de inte i denna rapport. |
| Fakturerad balansökning | Insättning från handlaren till Vipps MobilePay för att täcka ett negativt saldo; ökar balansen. Denna post visas när fakturan är utfärdad, inte när den är betald. |
| Kreditnota       | Kredit för en tidigare utfärdad faktura för balansökning; minskar balansen. |
| Korrektion       | Manuell justering av balansen (kan vara positiv eller negativ). |

##### Example files

* [Settlement-report_2025-03-01__2025-03-07.xlsx](https://developer.vippsmobilepay.com/downloads/settlements/v3/Settlement-report_2025-03-01__2025-03-07.xlsx)
* [Oppgjørsrapport_2025-03-01__2025-03-07.xlsx](https://developer.vippsmobilepay.com/downloads/settlements/v3/Oppgjørsrapport_2025-03-01__2025-03-07.xlsx)
* [Afregningsrapport_2025-03-01__2025-03-07.xlsx](https://developer.vippsmobilepay.com/downloads/settlements/v3/Afregningsrapport_2025-03-01__2025-03-07.xlsx)
* [Tilitysraportti_2025-03-01__2025-03-07.xlsx](https://developer.vippsmobilepay.com/downloads/settlements/v3/Tilitysraportti_2025-03-01__2025-03-07.xlsx)
* [Settlement-report_2025-03-01__2025-03-07.csv](https://developer.vippsmobilepay.com/downloads/settlements/v3/Settlement-report_2025-03-01__2025-03-07.csv)
* [Oppgjørsrapport_2025-03-01__2025-03-07.csv](https://developer.vippsmobilepay.com/downloads/settlements/v3/Oppgjørsrapport_2025-03-01__2025-03-07.csv)
* [Afregningsrapport_2025-03-01__2025-03-07.csv](https://developer.vippsmobilepay.com/downloads/settlements/v3/Afregningsrapport_2025-03-01__2025-03-07.csv)
* [Tilitysraportti_2025-03-01__2025-03-07.csv](https://developer.vippsmobilepay.com/downloads/settlements/v3/Tilitysraportti_2025-03-01__2025-03-07.csv)

#### Legacy reports

The legacy report format is still available for backwards compatibility.
These reports are only available for the Norwegian market, in several formats:

PDF - Settlement report with key figures for the period you've selected.

For example:

* [PDF settlement file](https://developer.vippsmobilepay.com/downloads/settlements/pdf/vipps-settlement-report-16655-2018-09-23.pdf)

XML - Key figures for accounting purposes.

Here are schemas and example files for XML settlement reports.

Both [the current settlement report schema v3.0](https://developer.vippsmobilepay.com/downloads/settlements/xml/SettlementReport-3.0.xsd)
and the [old v2.0 version](https://developer.vippsmobilepay.com/downloads/settlements/xml/SettlementReport-2.0.xsd) are available.

Example files are available for:

* [Gross settlements](https://developer.vippsmobilepay.com/downloads/settlements/xml/Example-Gross.xml)
* [Net settlements](https://developer.vippsmobilepay.com/downloads/settlements/xml/Example-Net.xml)

Changes to the settlement report XML schema from v2.0 to v3.0

**NB!** New settlements will contain a mix of captures and refunds.
To make the numbers unambiguous we have introduced new fields
for capture and refund, but kept gross and net fields as before.

* Schema changes from v2.0 to v3.0:
  * Old schema URL for v2.0 was [SettlementReport-2.0.xsd](https://developer.vippsmobilepay.com/downloads/settlements/xml/SettlementReport-2.0.xsd)
  * New schema URL is [SettlementReport-3.0.xsd](https://developer.vippsmobilepay.com/downloads/settlements/xml/SettlementReport-3.0.xsd)
  * New schema validates all amount fields with new types `money`, `positiveMoney`, and `negativeMoney`
  * Other changes organized by parent element below

* Changes to PaymentsInfo:
  * `ReportDateFrom` and `ReportDateTo` fields:
    * Drop time part, keep only date (in YYYY-MM-DD format)
    * Change schema type from `xs:string` to `xs:date`
  * Remove control sums (`TotalSettledGrossAmount`, `TotalSettledNetAmount`, `TotalSettledFeeAmount`, and `TotalSettledRefundAmount`)
  * Move `NumOfSettlements` after `SettlementInfo` blocks to facilitate future streaming optimizations for large files

* Changes to TransactionInfo:
  * Rename `TransactionDate` to `TransactionTime` and:
    * Change type from `xs:string` to `xs:dateTime`
    * Fix time zone bug from previous report system where time UTC formatting was applied to Oslo time.
    * Now always Oslo time zone, consistent with dates
  * Change type of `TransactionID` from `xs:string` to `xs:long`
  * Add field `TransactionCaptureAmount` (always positive)
  * Add field `TransactionRefundAmount` (always negative)
  * Note that `TransactionGrossAmount = TransactionCaptureAmount + TransactionRefundAmount`

* Changes to `SettlementInfo`:
  * Rename `SettlementBatchDate` to `SettlementDate` and:
    * Drop time part and change type from `xs:string` to `xs:date`
    * For new settlements, this date is within the inclusive range `[ReportDateFrom, ReportDateTo]`
      and is equal to or later than the date of the last transaction within the settlement
    * Note that the bank transfer will typically occur at a later date
  * Change type of `SettlementID` from `xs:string` to `xs:long`
  * Move `NumOfTransactions` and all amounts to below `TransactionInfo` fields,
    to facilitate future streaming optimizations for large files
  * Add field `SettlementType` (`Net` or `Gross`)
  * Add field `SettledAmount`, which is the amount paid out or invoiced (net or gross depending on settlement type)
  * Add field `CaptureSettlementAmount`, sum of `TransactionCaptureAmount` fields
  * Add field `RefundSettlementAmount`, sum of `TransactionRefundAmount` fields
  * Note that `GrossSettlementAmount` is still the sum of `TransactionGrossAmount` fields
  * Note that `GrossSettlementAmount = CaptureSettlementAmount + RefundSettlementAmount`

* Changes to `FeeInfo`:
  * `FeeInfo` will only be included for old reports with gross settlement type
  * Change type of `FeeDate` from `xs:string` to `xs:date`
  * Change type of `FeeAccount` from `xs:long` to `xs:string`

* Changes to `SettlementDetailsInfo`:
  * Change type of `MainAddressCity` from `xs:NCName` to `xs:string`

* Changes to `VippsInfo`:
  * Change type of `WebSite` from `xs:NCName` to `xs:anyURI`
  * Change type of `Country` from `xs:NCName` to `xs:string`

CSV - Key figures for accounting purposes.

For example:

* [CSV settlement file](https://developer.vippsmobilepay.com/downloads/settlements/csv/settlement-report.csv)

CSV settlement file contents:

The CSV settlement file contains the following info:

| Column title  | Description | Comment  |
| ------------- | ------------- | ------------- |
| Salgsdato  | Date of sale  |    |
| Salgssted  | Sales unit name   |   |
| Vippsnummer  | Merchant serial number   |   |
| Produkt  | Vipps product name  | E.G. "Vipps Netthandel"  |
| Transaksjons-ID  | Transaction ID  | Differs for Reserved, Captured and Refunded transaction  |
| Ordre-ID  | Ordre ID   |   |
| Brutto  | Total amount  |   |
| Gebyr  | Fees   |   |
| Netto  | Total amount minus fees   |   |
| Transaksjonstype  | Transaction type  | E.G. Salg (Sale), Refundering (Refund)  |
| Oppgjørs-ID  | Settlement ID    | |
| Oppgjørsdato  | Settlement date   | |
| Oppgjørssum  | Settlement total amount   | |
| Oppgjørskonto  | Settlement bank account number   |   |
| Fornavn  | First name  | Only applicable for *Vippsnummer*   |
| Etternavn  | Last name  | Only applicable for *Vippsnummer*   |
| Melding  | Message/Transaction text  |   |

XLSX - Transaction overview (Excel) containing all transactions, including those that aren't settled yet.

For example:

* [XLSX settlement file](https://developer.vippsmobilepay.com/downloads/settlements/xlsx/vipps-settlement-example.xlsx)

##### Settlement report availability

Settlement reports are available within a few hours after the settlement.

Daily settlement reports are created every day (one file every day), as long as the balance is positive
(see [Download reports from the business portal](#download-settlement-reports)).

If the balance for a day is zero (e.g. due to lack of
transactions) or negative (e.g. due to refunds), a settlement will not be created
until the balance becomes positive. This means that in some cases, a settlement report may
include transactions spanning several days back in time.

Settlement reports are available by 12:00 noon. The reports are generated around
01:00-03:00 at night, but may be delayed due to technical changes, maintenance in
various systems, or other unforeseen events.

**NOTE**

There will be no settlement reports for dates without completed
payments. In these cases, neither the settlement files nor the directories that
should have contained settlement files will exist.

**INFO**

If a merchant has refunded more money than the sum of payments,
so that the balance is negative, we will not create settlement reports.
We cover the negative balance for a short while, but if it persists,
we will send an invoice to the merchant to settle the balance.

There are no settlement reports for the
[test environment](https://developer.vippsmobilepay.com/docs/knowledge-base/test-environment.md).

For help finding the reports, see [How to get settlement data](#how-to-get-settlement-data).

## Net and gross settlements

**Net settlement (default):** Fees are deducted before the transfer reaches your bank account. What you receive is the payment amount minus Vipps MobilePay fees. This is simpler for accounting -- no separate fee invoices to match.

**Gross settlement (rare):** You receive the full payment amount, and Vipps MobilePay invoices you separately for fees. This is only offered in exceptional cases, as it requires Vipps MobilePay to extend credit to the merchant while fees are outstanding -- which involves additional cost, risk, and compliance checks.

For gross settlements, if the merchant's organization number is registered as an EHF recipient,
Vipps MobilePay sends invoices as EHF. If not, the invoices are sent by email.
To change the invoice recipient, please
[contact customer service](https://help.vippsmobilepay.com/).

See [Settlement report availability](#settlement-report-availability) for information about settlement files
when the balance is negative.

## Identifying payments

If you need to use the payment's ID to identify a payment, then use an
[online solution](https://vippsmobilepay.com/en-NO/for-business), such as the [ePayment API](https://developer.vippsmobilepay.com/docs/APIs/epayment-api/README.md).

**Payment ID**

A payment ID can be set by the merchant in the API payment request that is generated by the POS or order system.
This is either `orderId` or `reference`.

* `orderId` (requests made with Recurring API and eCom API)
* `reference` (requests made with the ePayment API)

**Transaction ID**

The transaction ID (`transactionID`) is set by Vipps MobilePay.

**Settlement ID**

The settlement ID (`settlementID`) is set by both the bank and Vipps MobilePay.

How the IDs fit together

```mermaid
sequenceDiagram
    autonumber
    participant M as Merchant<br/>(POS/order system)
    participant ERP as Merchant's ERP system
    participant V as Vipps MobilePay
    participant B as Bank

    M->>ERP: orderId/reference<br/>(set by Merchant)<br/>(+ transactionId later)
    ERP->>V: orderId/reference + transactionId
    V->>ERP: transactionId + orderId/reference + settlementID
    V->>B: settlementID
    B->>ERP: settlementID
```

  The Merchant's POS or order system sends the orderId/reference (set by the merchant, plus the transactionId later) to the Merchant's ERP system.
  The ERP system sends the orderId/reference and transactionId to Vipps MobilePay.
  Vipps MobilePay sends the transactionId, orderId/reference, and settlementID back to the ERP system.
  Vipps MobilePay sends the settlementID to the Bank.
  The Bank sends the settlementID to the ERP system.

### Multiple stores per sales unit

If you have multiple stores per sales unit, prefix the order reference with a unique ID per store.
You can search the report data for the unique store ID to find the transaction data per store.

Setup for single MSN for multiple stores: Payment and settlement

```mermaid
flowchart LR
  A[ACME Sports A/S] --> B[One single MSN for all stores<br>MSN# 654321]

  subgraph Group1[ ]
    direction TB
    C1[ACME Sports Oslo<br>orderId / reference:<br>oslo-654321-123abc-11]
    C2[ACME Sports Oslo<br>orderId / reference:<br>oslo-654321-123abc-12]
  end

  subgraph Group2[ ]
    direction TB
    D1[ACME Sports Bergen<br>orderId / reference:<br>bergen-654321-345def-11]
    D2[ACME Sports Bergen<br>orderId / reference:<br>bergen-654321-345def-12]
    end

    B --> Group1
    B --> Group2

```

Single MSN for multiple stores: ACME Sports A/S uses one single MSN (654321) for all stores. Orders from ACME Sports Oslo are prefixed with "oslo-654321-" in their orderId/reference (e.g. oslo-654321-123abc-11). Orders from ACME Sports Bergen are prefixed with "bergen-654321-" (e.g. bergen-654321-345def-11). This prefix allows settlement data to be filtered per store.

### Additional info for recurring payments

For recurring payments, `orderId` is an optional field that identifies a charge.
If `orderId` is not specified, the settlement report shows the automatically generated `chargeId` in its place.
When supplied, `orderId` must be unique per sales unit (MSN) within the Recurring API. Using a value that is also unique across other APIs (e.g. eCom) for the same MSN is recommended but not enforced.

Alternatively, `externalId` can be set on a charge to appear in settlement reports without affecting charge identification (i.e., the `chargeId` remains unchanged).

See the
[Recurring API guide](https://developer.vippsmobilepay.com/docs/APIs/recurring-api/recurring-api-guide.md#create-a-charge)
for more details.

## GDPR

We need the customer's consent before sharing personal information.

Settlement reports generally don't contain personal information;
however, payments made with *Vippsnummer* and *MobilePay-nummer*
may have personal information and must be treated with care.

See the FAQ:
[Why are the customer names not shown on the transaction overview?](https://developer.vippsmobilepay.com/docs/knowledge-base/merchant-info.md#user-anonymity-in-transactions)

> **Full site overview:** For every page in this documentation, read [https://developer.vippsmobilepay.com/llms.txt](https://developer.vippsmobilepay.com/llms.txt).