> **Description:** Navigate cross-border payments and login in the Nordics with guidance on agreements, branding requirements, and currency handling for Vipps MobilePay services. # Offering Vipps MobilePay in the Nordics [Apply for services](https://developer.vippsmobilepay.com/docs/knowledge-base/applying-for-services.md) to join as a Vipps MobilePay merchant. ## Market overview Vipps MobilePay operates across Denmark, Finland, Norway, and Sweden: * **Norwegian and Swedish users** use the Vipps app * **Danish and Finnish users** use the MobilePay app ### Cross-border payments All users can pay to any Nordic merchant regardless of which app they use. For example: * A Norwegian user with Vipps can pay a Danish merchant * A Finnish user with MobilePay can pay a Norwegian merchant This ensures seamless payment experiences across the Nordic region for both merchants and customers. ## Considerations ### Payment options When supporting multiple markets, you can display both Vipps and MobilePay buttons in your checkout to show customers that both apps are supported. **Best practices:** * Present each brand as a separate selection * Place the local brand name first based on your target market: * In **Denmark and Finland**: Show MobilePay first * In **Norway and Sweden**: Show Vipps first * Follow the [brand guidelines](https://brand.vippsmobilepay.com/document/61#/branding/online) for proper button styling and placement By offering both payment options, customers using either Vipps or MobilePay will be able to complete purchases on your website. ### Currency requirements The currency used **must** match the country where your sales unit is registered. This ensures compliance with local regulations and smooth payment processing. | Sales unit country | Required currency | | ----------------------- | ------------------------- | | Denmark | **DKK** (Danish Krone) | | Finland | **EUR** (Euro) | | Norway | **NOK** (Norwegian Krone) | Note that Swedish users purchasing from a Norwegian merchant will pay in NOK. **NOTE** There are shorter payment time limits in Denmark and Finland, and other regulations may be different. For more details, see: * [Payment capture deadlines](https://developer.vippsmobilepay.com/docs/knowledge-base/reserve-and-capture.md#capture-deadlines) * [Regulatory requirements for purchases](https://developer.vippsmobilepay.com/docs/knowledge-base/payment-rules.md) ### Shipping support for Express For [Express](https://developer.vippsmobilepay.com/docs/APIs/epayment-api/api-guide/features/express.md), the shipping address must be within the same country where your merchant sales unit is registered. **Example:** A sales unit registered in Denmark can only ship to Danish addresses. ## Technical implementation ### Recommended APIs Use the latest [Vipps MobilePay APIs](https://developer.vippsmobilepay.com/docs/APIs/README.md) for optimal performance across all Nordic markets. **Migration guidelines** **Cross-border support:** Nordic users can make payments to merchants using [ePayment](https://developer.vippsmobilepay.com/docs/APIs/epayment-api/README.md) and [Recurring](https://developer.vippsmobilepay.com/docs/APIs/recurring-api/README.md) APIs. The [Login](https://developer.vippsmobilepay.com/docs/APIs/login-api/README.md) API also works across all Nordic markets. **If you're using legacy APIs:** * **Vipps merchants:** [Migrate from eCom API to ePayment API](https://developer.vippsmobilepay.com/docs/APIs/epayment-api/migration.md) ### App behavior With cross-border payments, a Norwegian or Swedish Vipps user can pay to a Finnish or Danish MobilePay merchant using the Vipps app -- and vice versa, a Danish or Finnish MobilePay user can pay a Norwegian Vipps merchant using the MobilePay app. The same applies to login flows. During the payment flow, our [redirect setup](https://developer.vippsmobilepay.com/docs/knowledge-base/app-flow.md) automatically handles the app behavior and opens the correct app for the user. Both [universal links](https://developer.vippsmobilepay.com/docs/knowledge-base/app-flow.md#universal-links-strongly-recommended) and [deep links](https://developer.vippsmobilepay.com/docs/knowledge-base/app-flow.md#deep-links) can trigger either the Vipps or MobilePay app. No additional logic is required on the merchant side to support this. **Recommended solution:** Use [universal links](https://developer.vippsmobilepay.com/docs/knowledge-base/app-flow.md) to improve reliability and user experience. Important: Do not attempt to detect whether the Vipps or MobilePay app is installed. Doing so can block users of the other app. For example, if a Norwegian merchant checks for the Vipps app, Danish and Finnish MobilePay users will be unable to complete their payment. ### Landing page branding The [landing page](https://developer.vippsmobilepay.com/docs/knowledge-base/landing-page.md) branding will automatically reflect your sales unit's country, not the user's country. #### Payments For payments ([ePayment](https://developer.vippsmobilepay.com/docs/APIs/epayment-api/README.md) and [Recurring](https://developer.vippsmobilepay.com/docs/APIs/recurring-api/README.md)), the landing page branding is determined by the country where your sales unit/merchant is registered. This means a Finnish user paying a Norwegian merchant will see Vipps branding (Norway's app), even though they'll complete the payment using their MobilePay app. #### Login For [Login](https://developer.vippsmobilepay.com/docs/APIs/login-api/README.md), you have more flexibility. While the landing page will display Vipps or MobilePay based on your sales unit's country by default, you can **override this behavior** using the `market` query parameter in your initial login request: * **`market=NO`** or **`market=SE`**: Landing page displays **Vipps** branding (logo, colors, etc.) * **`market=DK`** or **`market=FI`**: Landing page displays **MobilePay** branding (logo, colors, etc.) See the [Login API guide](https://developer.vippsmobilepay.com/docs/APIs/login-api/api-guide/browser-flow-integration.md#oauth-20-authorize) for details. ### Pass-through payments Cross-border pass-through payments to merchants have the following limitations: * **MobilePay Online:** Supports cross-border payments between Denmark and Finland * **Vipps PSP:** Available for Norwegian merchants * Swedish users can pay to Norwegian merchants through Vipps PSP * Card acceptance depends on PSP configuration (most cards work, but 3DS authentication may fail for some Swedish users) ### eCom API **Norwegian merchants only:** The eCom API is exclusively available for Norwegian merchants. See [eCom API limitations](https://developer.vippsmobilepay.com/docs/APIs/ecom-api/vipps-ecom-api-limitations.md) for details about international use restrictions. > **Full site overview:** For every page in this documentation, read [https://developer.vippsmobilepay.com/llms.txt](https://developer.vippsmobilepay.com/llms.txt).