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How ePayment works online

This is how payments in web shops or merchant websites work with the ePayment API.

ePayment process

Details​

1. Customer selects their payment method​

On the product page of a merchant's website or app, the customer chooses to pay with Vipps or MobilePay. They can alternatively select to pay with a card. See Alternative flow: Pay with by card for details.

Pay

2. Customer enters their phone number and logs in​

If the payment was started from a mobile device, the Vipps or MobilePay app will automatically open.

If the payment was started on a desktop device, the landing page will open. There, the customer confirms their number and logs in to Vipps MobilePay.

Vipps MobilePay landing page

3. Customer confirms the payment in the app​

A push notification appears on the customer's phone. They log in to Vipps MobilePay and confirm the payment. The ePayment API automatically reserves the payment and provides a receipt of the successful payment.

Confirm payment

4. The merchant's shop confirms the order​

The store page or app opens again and confirms that the order was successful.

Order confirmation

5 The merchant completes the order and shipping​

The merchant completes the order and ships it to the customer.

Shipping

6. Capture the payment​

The merchant captures the order through the ePayment API. The payment is transferred to the merchant's account. This may take 2-3 days depending on your bank.

Money

Alternative flow: Pay with by card​

Customers can choose to pay with card by selecting Card on the product page of a merchant's website or app.

Pay with Card

The card entry page opens, where they enter their card details.

Enter card details

On successful payment, the merchant's store page opens, and the order is confirmed.