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Settlements

Vipps This settlement information applies to Vipps.

Settlement flow​

Settlements are done as quickly as possible and are dependent on banks.

The settlement flow is as follows:

  1. Day 1: A customer makes a purchase and the transaction is completed. The merchant ships the product to the customer, if applicable. Then, the merchant captures the money and the customer's account is charged.

    Note: Day 1 is normally the day that the product is shipped and the customer's account is charged.

  2. Day 2: Settlement files are available (see How to get settlement files).

  3. Day 3: Payments are made from the Vipps MobilePay bank account to the merchant's bank account. Money is normally available in the account before noon.

The settlement process will always adhere to our terms and conditions.

Days are bank days, Monday - Friday, excluding banking holidays. In other words, a capture made on Monday will be on the merchant's account on Wednesday, while a capture made on Friday will be on the merchant's account on Tuesday.

A day starts and ends at midnight, Oslo time: Start 00:00:00, end 23:59:59 (subseconds not specified). Please make sure your servers' clocks are correct, e.g. by using NTP.

Settlement files are generated every day including bank days and weekends (one file every day). Payout for Friday, Saturday, and Sunday arrives on Tuesday (three separate transactions). There is one settlement file per payout.

note

There is only one payment 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.

Reconciliation​

A simple illustration showing where each ID is set, and how it all fits together.

Settlement flow illustrated

Frequency​

Vipps MobilePay merchants can log in on portal.vippsmobilepay.com and select daily, weekly, or monthly settlement frequency.

Vipps MobilePay pays merchants every Monday for weekly settlements, and on the first day of the month for monthly settlements.

Net and gross settlements​

There are two types of settlements:

  • Net settlement: Merchants will receive the users' payments excluding the Vipps MobilePay fees. In other words: The Vipps MobilePay fees are deducted from the settlement amount.
  • Gross settlement: Merchants receive the full amount of the users' payments including the Vipps MobilePay fees. The merchant is then invoiced for the fees.

Net settlement is the default and is, in practice, the only settlement method offered. Gross settlements are only offered in very rare cases. With gross settlements, Vipps MobilePay essentially provides a loan to the merchant, and this involves both additional cost and risk and also requires additional 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.

See Availability for information about settlement files when the balance is negative.

File formats​

Settlement reports are provided in:

XML​

Here are schemas and example files for XML settlement reports.

Both the current settlement report schema v3.0 and the old v2.0 version are available.

Example files are available for:

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:

  • 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​

The following is an example of a CSV settlement file:

CSV settlement file contents

The CSV settlement file contains the following info:

Column titleDescriptionComment
SalgsdatoDate of sale
SalgsstedSales unit name
VippsnummerMerchant serial number
ProduktVipps product nameE.G. "Vipps Netthandel"
Transaksjons-IDTransaction IDDiffers for Reserved, Captured and Refunded transaction
Ordre-IDOrdre ID
BruttoTotal amount
GebyrFees
NettoTotal amount minus fees
TransaksjonstypeTransaction typeE.G. Salg (Sale), Refundering (Refund)
Oppgjørs-IDSettlement ID
OppgjørsdatoSettlement date
OppgjørssumSettlement total amount
OppgjørskontoSettlement bank account number
FornavnFirst nameOnly applicable for Vipps number
EtternavnLast nameOnly applicable for Vipps number
MeldingMessage/Transaction text

PDF​

The following is an example of a PDF settlement file:

XLSX​

The following is an example of a CSV settlement file:

Identifying payments​

If you need to use the payment's ID to identify a payment, then use an online solution, such as the ePayment API.

Additional info for recurring payments​

For recurring payments, the orderID is an optional field. If orderID is not specified by the merchant when making a charge, the settlement report shows the automatically generated chargeID in the orderID field. If orderID is in use, this is also used in the settlement report.

See the Recurring API 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 (now referred to as: Shopping Basket and Open Amount) may have personal information and must be treated with care.

See the FAQ: Why are the customer names not shown on the transaction overview?

How to get settlement files​

Report API​

Use the Report API to get your settlement files programmatically. With this API, you can get daily or continuous-feed reports for your accounts. See the Report API guide for details.

Merchant portal​

You can download reports from the merchant portal in the Reports section. Reports are available in the formats mentioned under File formats.

Reports with personal details of the customers are also available. Please consider GDPR.

Email​

Through the merchant portal, you can specify the email addresses to receive settlement reports.

note

We are not allowed to send reports with personal customer details. See GDPR for more information.

SFTP​

info

The SFTP service is deprecated and will be unavailable from 1 July 2024. This was announced in the Technical update 2023-10.

Please use the Report API to get your settlement information.

Availability​

Settlements are created every day, as long as the balance is positive.

If the balance for a day is zero (e.g. due to lack of transaction) 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.

Daily reports​

The settlement reports are available by 12:00 noon.

Weekly reports​

The settlement report is generated on Mondays, by 12:00 noon.

Monthly reports​

The settlement report is generated on the 1st of the month, by 12:00 noon.

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