> **Description:** Recommended integration flow for merchants who offer subscriptions to users under 18 years old, using Vipps/MobilePay.

# Handling Payment Agreement sign up for under-18 users

**Important**

   In Norway, Denmark, and Finland: Users must be at least 18 years old to enter into legally binding payment agreements.

Vipps  / MobilePay  automatically enforces the age requirement by rejecting payment agreements for users under 18. This adds a layer of protection and helps ensure that merchants remain compliant with local regulations and their own terms and conditions.

For app switch, users will be shown why they can't accept the payment agreement in the app. On desktop, however, the landing page will prevent the user from going any further. For privacy reasons, the displayed error message will be vague. The merchants may receive a `recurring.agreement-expired.v1` webhook event. We can't communicate to the merchant that the user is of underage due to GDPR.

## Overview

Merchants offering subscription-based products or services must ensure that users are of **legal age (18 years or older)** to enter into a payment agreement with Vipps/MobilePay. For users **under 18**, someone of legal age must approve and become the **legal owner and payer of the payment agreement**, while the underage user remains the **service user**.

This document describes the recommended flow for such a scenario.

When a user initiates a subscription purchase:

1. The merchant app or website must determine if the user is **of legal age (18+)**.
2. If the user **is 18 or older**, proceed with the **regular purchase flow**.
3. If the user **is under 18**, ask the user to enter their **guardian's phone number** in their app or website.
4. **Create a payment agreement** through the Vipps/MobilePay Recurring API with `skipLandingPage: true` and passing the guardian's phone number.
5. The **guardian (parent)** will then receive a **push notification** from Vipps/MobilePay requesting approval for the new payment agreement.

Once approved, the payment agreement proceeds as normal, with the parent as the **legal agreement owner** and **payer**.

> **Note:** Merchants are responsible for collecting and validating the user's date of birth or legal-age confirmation during signup or checkout.

## Apply for skipLandingPage

To apply for skipLandingPage, see:
[Skip landing page](https://developer.vippsmobilepay.com/docs/knowledge-base/landing-page.md#how-to-enable).

## Relevant links

- [Skip landing page](https://developer.vippsmobilepay.com/docs/knowledge-base/landing-page.md#skip-landing-page)
- [Recurring API Guide - Create a new agreement with skipLandingPage property set to true](https://developer.vippsmobilepay.com/docs/APIs/recurring-api/recurring-api-guide.md#skip-landing-page)

> **Full site overview:** For every page in this documentation, read [https://developer.vippsmobilepay.com/llms.txt](https://developer.vippsmobilepay.com/llms.txt).