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.
After the payment is created, the payer pushes the payment button on Swedbank
Pay’s payment page (redirect) or in the
iframe (seamless view).
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.
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.
Vipps is one of the instruments using two-phase payments. The
done when the payer successfully confirms in the app, and the
reversal is done by the merchant at a later time. Read
more about the different operations and the payment
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.
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.
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.
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.