Vipps

Introduction

schedule 2 min read

Vipps is the Norwegian way of paying with your mobile phone, fast and simple.

Vipps is the main Norwegian payment app for mobile phones supported by the major Norwegian banks, making it one of the essential payment instruments for merchants operating in Norway. We offer it on our redirect and seamless view platforms.

Purchase flow

After the payment is created, the payer pushes the payment button on Swedbank Pay’s payment page (redirect) or in the iframe (seamless view).

screenshot of the first Vipps redirect page

The payer is then redirected to Vipps’ own payment page where the phone number is entered, and a push message is sent to the phone.

screenshot of the Vipps number input page

The payment request will appear in the app and can 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

Payment Type

Vipps 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

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

3-D Secure

As Vipps 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 Vipps, 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

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

Languages

​Vipps supports the following languages: English (US) en-US, Norwegian nb-NO and Swedish sv-SE.