How does Vipps MobilePay work for online payments?
Vipps MobilePay runs two apps on one platform. The orange Vipps app serves Norway and Sweden, and the blue MobilePay app serves Denmark and Finland. Its ePayment API covers online payments, in-store payments, one-time QR codes and an Express flow, in which the shopper picks a shipping option and shares contact and delivery details inside the app and confirms the total without leaving it.
Online, the shopper chooses Vipps or MobilePay at checkout. On a phone they are sent to the app through a universal or deep link; Stripe adds that on a desktop the shopper can enter the phone number linked to MobilePay and approve a push notification in the app. The developer documentation tells merchants not to check which app is installed, because the link opens the right one and a check can block users of the other app. By default the shopper has 10 minutes to accept. After that the payment becomes EXPIRED, a final state, and a new payment is needed.
Most payments are reserved first and captured later. Reserve capture is the default, and the merchant captures the amount once the goods are ready to be delivered. Direct capture is offered only to some merchants and suits services delivered at once, such as digital services. Behind the wallet sits a card or account. Stripe describes a MobilePay payment as a card transaction made with card data from MobilePay, and some cards need a 3-D Secure step inside the app: about 1% to 1.5% of Danish card payments and 5% to 7% of Finnish ones, depending on the scheme.
Where and how do shoppers use Vipps MobilePay?
The wallet is used across the Nordics. At the end of 2025 Vipps MobilePay reported 12.4 million users and 1.438 billion transactions, not counting tap to pay. By country, Vipps had almost 4.68 million users in Norway, MobilePay had 4.74 million in Denmark and 2.86 million in Finland, and about 160,000 people used Vipps in Sweden, where it launched in September 2024 for person-to-person payments. Online use is growing: the company reported e-commerce revenue growth of 21% in Norway, 29% in Denmark and 79% in Finland in 2025. Vipps Holding AS owns 72.22% of the company and Danske Bank 27.78%.
In Norway, mobile wallets now match cards online. Norges Bank’s survey for its Retail Payment Services 2025 report found that mobile payments, such as Vipps and Apple Pay, made up 37% of online purchases in 2026, level with physical payment cards at 37%, while invoices made up 22%.
Shoppers can pay across borders inside the Nordics. A Norwegian or Swedish user pays a Danish or Finnish merchant with Vipps, and a Danish or Finnish user pays a Norwegian merchant with MobilePay. The currency follows the merchant’s registered region: DKK in Denmark, including Greenland, EUR in Finland and NOK in Norway. Payment service providers using the PSP version of the API can use other supported currencies under their agreement. Beyond the Nordics, Vipps MobilePay is a founding member of the European Network for Payments, announced in September 2026 with Bizum, Bancomat, EPI (Wero) and SIBS (MB WAY), which starts with cross-border person-to-person payments and plans e-commerce later.
What rules and costs should merchants know?
Capture follows the delivery. The documentation says that, by regulation, a merchant must not capture a payment until the product or service is ready to be delivered, and should not deliver goods before the full amount is captured. A reservation can be captured for up to 180 days in Norway and 14 days in Denmark and Finland, unless late capture of 15 to 180 days is approved. Card issuers can release reservations sooner: Visa usually after 5 to 7 days, Mastercard after 30 days and BankAxept after 7 days. Danish and Finnish merchants must ask customer service for partial capture.
Refunds are allowed for 365 days after capture, in full or in parts up to the captured amount. They usually reach the shopper in 2 to 3 bank days and can take up to 10. In Norway and Sweden the refund goes to the card used for the payment; in Denmark, Finland and Greenland it goes to the receiving account set in the app.
Card disputes apply. Stripe says MobilePay customers can open disputes with their card issuer for suspected fraud, double payments or a wrong amount, and that the process is the same as for card payments. Liability shift applies only when 3-D Secure has taken place, and merchants cannot force it. On fees, Stripe charges its card processing fees plus a MobilePay transaction fee, and MobilePay charges businesses registered in Denmark a monthly membership fee of DKK 35.
How would Omno handle Vipps MobilePay?
- One checkout: Vipps or MobilePay would appear in the Omno hosted checkout next to cards, wallets, other local methods and crypto, with the local brand shown for each market. Merchants with their own payment screens would use Direct Links on their own buttons.
- Routing rules: The merchant would set rules by country, currency or amount that send Vipps MobilePay payments to a connected provider that supports them. Omno connects through those providers; it is not an acquirer and does not hold funds.
- Cascading: In the hosted checkout, if the chosen provider is unavailable or rejects the request before the shopper is sent to the app, the payment would move to the next provider in the rule until one accepts.
- Status and capture: The final result would reach the merchant by webhook. Captures would go through the provider that authorised the payment.
What should merchants plan for?
Show the right brand. Merchants selling in several Nordic markets should show both the Vipps and MobilePay buttons and put the local brand first.
Capture on time. Reservations in Denmark and Finland last 14 days by default, and card issuers may release them sooner, so capture as soon as the order is ready.
Wait out the timeout. Cancelling before the 10 minutes pass can clash with a payment the shopper has just confirmed, so rely on webhooks for the final status.
Expect card-style disputes. Because the wallet pays with a card, shoppers can dispute through their issuer and the merchant answers with evidence.
Price in the local currency of the sales unit: NOK, DKK or EUR.