MobilePay Online

Introduction

schedule 3 min read

MobilePay Online is the fast and simple way of paying with your mobile phone, reaching more than 4 million Danes.

MobilePay is the main Danish payment app for mobile phones, making it one of the essential payment instruments for merchants operating in Denmark. More than 4 million Danes use the app, and more than 100,000 merchants are accepting payments. We offer it on our redirect and seamless view platforms.

Purchase flow

When the payment is created, the payer is redirected to a Swedbank Pay landing page where he or she can proceed with the payment by pressing the pay button.

screenshot of the Swedbank Pay landing page

This takes the payer to MobilePay’s own payment page where the phone number is entered, and a push message is sent to the phone.

screenshot of the MobilePay Online number input page

A countdown is shown in the browser and the payment request will appear in the app, waiting to be confirmed by the payer. If you are using the redirect option, the payer will be redirected back to the merchant’s site.

Good To Know

Intent

Authorization (two-phase): The intent of a MobilePay Online purchase is always Authorization. The amount will be reserved but not charged. You will later (i.e. if a physical product, when you are ready to ship the purchased products) have to make a Capture or Cancel request.

Payment Type

MobilePay Online is one of the instruments using two-phase payments. The authorization is done when the payer successfully confirms in the app, and the abort, cancel, capture or reversal is done by the merchant at a later time. Read more about the different operations and the payment resource.

warning

Two-phase payments

When dealing in physical goods using two-phase payment instruments, all goods must be shipped before you capture the authorized amount. This is regulated in part by the Swedish Distance and Doorstep Sales Act, required in our terms and (for card payments) required by Visa and Mastercard.

Settlement

MobilePay Online transactions are handled, processed and settled as card transactions in our system. They are, however, tagged as MobilePay Online transactions and have their own acquirer agreement, so the two payment instruments are settled separately.

3-D Secure

As MobilePay Online transactions are processed as card transactions, a 3-D Secure agreement is needed to complete the payment instrument setup. This information is provided to you by your acquirer when you set up your agreement with them. If you offer both Card Payments and MobilePay Online, you will need two separate 3-D Secure agreements, one for each payment instrument. Apart from the agreement with the acquirer, no further 3-D Secure compliance is required from you as a merchant in this regard.

Demoshop

MobilePay Online is unfortunately not available in our demoshop at the moment, but it will be in the future. The demoshop in the test environments will use a fakeservice which enables you to test a successful purchase without using the MobilePay app.

Languages

​MobilePay supports the following languages: Danish da-DK, English (US) en-US and Finnish fi-FI.

Payment availability

Even though MobilePay Online supports several currencies, the payment instrument itself is only available for payers in Denmark and Finland. This allows a shop in Norway to receive payments in NOK from a Danish payer if the shop supports shipping to Denmark, for instance.