> **Description:** Comprehensive glossary of Vipps MobilePay terms, including technical definitions and localized terms from Danish, Finnish, and Norwegian markets. # Terminology ## Common terms ### API keys Codes that provide a merchant with access to the API (e.g., `client_id`, `client_secret`, `Ocp-Apim-Subscription-Key`). Think of them as "username and password". Keep them secret. See [How to find the API keys](https://developer.vippsmobilepay.com/docs/knowledge-base/portal.md#how-to-find-the-api-keys). ### Business portal, business portal, portal This is a Vipps MobilePay website where you can manage your business profile. For more details, see the [portal section](https://developer.vippsmobilepay.com/docs/knowledge-base/portal.md). ### Capture *Capture* is the operation that moves the money from the customer's account to the merchant's account. This can take a few days, depending on your bank. See [General info: capture](https://developer.vippsmobilepay.com/docs/knowledge-base/reserve-and-capture.md) for more details. ### client_id The client ID (e.g., the "username") for the [sales unit](#sales-unit). Keep it secret. See [How to find the API keys](https://developer.vippsmobilepay.com/docs/knowledge-base/portal.md#how-to-find-the-api-keys). ### client_secret The client secret (e.g., "password") for the [sales unit](#sales-unit). Keep it secret. See [How to find the API keys](https://developer.vippsmobilepay.com/docs/knowledge-base/portal.md#how-to-find-the-api-keys). ### Deeplink The "deeplink" opens the payment page in the app, where the user accepts a payment. This is an integrated part of the payment process, and the link should never be sent in an SMS or email. ### Direct capture Direct capture causes all payment reservations to be instantly captured. This is intended for situations where the product or service is immediately provided to the customer (e.g. digital services). ### Idempotency key An idempotency header ensures that, if the merchant retries a request with the same idempotency key, the retried request will not make additional changes. See the API specification for the requirements for the idempotency key. ### Merchant A juridical unit, typically called a company or business, identified with [organization number (`orgno`)](#organization-number). ### Merchant Serial Number (MSN) The MSN identifies a sales unit (not a business, which is identified with the [organization number](#organization-number)). The MSN is defined when the sales unit is created. To find the MSN, see: * [Portal: How to find the MSN](https://developer.vippsmobilepay.com/docs/knowledge-base/portal.md#how-to-find-the-merchant-serial-number) * For PSPs, see the [PSP API guide](https://developer.vippsmobilepay.com/docs/APIs/psp-merchant-api/psp-merchant-api-guide.md#merchant-serial-number) ### National identity number (NIN) The National Identity Number (NIN) is a unique personal identification number assigned to each individual by their national government. Denmark: The NIN is called [*CPR-nummer* / *personnummer*](https://developer.vippsmobilepay.com/docs/knowledge-base/terminology.md#cpr-nummer). Finland: The NIN is known as [*henkilötunnus*](https://developer.vippsmobilepay.com/docs/knowledge-base/terminology.md#henkilötunnus). Sweden: It's called [*personnummer*](https://developer.vippsmobilepay.com/docs/knowledge-base/terminology.md#personnummer). The National Identity Number (NIN) is protected. Only merchants with legal requirements or other objective needs for using the NIN to achieve the required user identification can get access to NIN. We comply with local applicable laws as well as guidance from the Norwegian Data Protection Authority, [Datatilsynet](https://www.datatilsynet.no/rettigheter-og-plikter/personopplysninger/fodselsnummer/), and other relevant local authorities. **Access to NIN** Not available in Norway. Apply for access to NIN by sending an email to [operations@vippsmobilepay.com](mailto:operations@vippsmobilepay.com). In the email you must share: * Organization number * Merchant name * Sales unit name and [MSN](https://developer.vippsmobilepay.com/docs/knowledge-base/terminology.md#merchant-serial-number-msn), fetched from the [business portal](https://portal.vippsmobilepay.com) * Detailed information on how you plan to use the NIN * If the request is based on the objective need; explanation of why the purpose can only be achieved with NIN * Any supportive documents such as user terms, process flows, and similar materials. * If the request is based on the legal requirement, direct reference to the legal text and guidelines, if any. If you're approved to request user consent for accessing their NIN, you can do this in the following API flows: * [Requesting user consent to get NIN in login flow](https://developer.vippsmobilepay.com/docs/APIs/login-api/api-guide/user-info.md#nin) * [Access to NIN in payment flows](https://developer.vippsmobilepay.com/docs/APIs/userinfo-api/userinfo-api-guide.md#nin) ### Ocp-Apim-Subscription-Key This is the subscription key for the sales unit. Keep it secret. We will never ask for it, and we don't need it for anything. See [how to find the API keys](https://developer.vippsmobilepay.com/docs/knowledge-base/portal.md#how-to-find-the-api-keys). ### orderId The API parameter that supplies a unique identifier for the payment. Newer APIs will use `reference` instead of `orderId`. This is case-sensitive. ### Organization number The organization number (also called *org number* or *orgno*) is a unique identifier for a business and can be used to retrieve information from the national registries for the country in which the business operates. Vipps MobilePay is legally required by the financial authorities to perform several checks of all businesses that have a customer relationship with us. This is based on each business' organization number, and the legally binding agreement between the businesses and Vipps MobilePay. If a business has "changed organization numbers", it is considered a new legal entity, regardless of whether the business has the same name, or is owned by the same people. The new business needs a new agreement with Vipps MobilePay. Establishing a customer relationship for the new business is done on the [business portal](https://portal.vippsmobilepay.com) or through their Payment Service Provider, if applicable. In Denmark, this consists of 8 digits. Also known as *CVR* or *VAT-number*, this can be used to retrieve information at [Det Centrale Virksomhedsregister](#det-centrale-virksomhedsregister). In Finland, this consists of 8 digits. Also known as *Y-tunnus (Yritys- ja yhteisötunnus)* or VAT-number, this can be used to retrieve information at [YTJ](#yritys--ja-yhteisötietojärjestelmä-yjt). In Norway, this consists of 9 digits without spaces. This can be used to retrieve information at the [Norwegian business registry](#brønnøysundregistrene). The business must be active in the [Norwegian business registry](https://www.brreg.no) and the organization number must be for the main entity ("hovedenhet"), not a sub entity ("underenhet"). ### Partner A partner is a business that represents several merchants by providing a platform, helping set up custom integrations, or developing our official plugins. See [Partners](https://developer.vippsmobilepay.com/docs/partner/README.md). ### Partner keys Unique identifiers that allow partners to use their own API credentials to make API calls on behalf of their merchants. See [Partner keys](https://developer.vippsmobilepay.com/docs/partner/partner-keys.md). ### Payment Service Provider (PSP) A third-party business that performs online payments on behalf of Vipps MobilePay. Settlements for PSP integrations are handled by the PSP. ### Point of Sale (POS) A POS is a physical store. It's a type of sales unit. ### reference The API parameter that supplies a unique identifier for the payment. Newer APIs will use the name `reference` instead of `orderId`. This is case-sensitive. ### Reserve When a user accepts a payment request, it will go into the reserved state. The funds stay in the customer's account, but are not available to them. See [General info: capture](https://developer.vippsmobilepay.com/docs/knowledge-base/reserve-and-capture.md) for more details. ### Reserve capture Reserve capture is the normal flow. When the end user approves an initiated payment, it will be marked as *reserved* by the bank, but not transferred. It will stay *reserved* until the point at which it is *captured*. ### Sales unit A sales unit is anything that can sell goods or services and offer payment through Vipps or MobilePay . A merchant/company/organization can have one or more sales units (e.g., a physical store, an online store, and an app). A merchant might also use different sales units for their different physical locations, services, and brands. ## Danish terms ### MitID Software that certifies the identity of a person. See [MitID](https://www.mitid.dk/en-gb/). ### Det Centrale Virksomhedsregister The official Danish register of companies. See [Det Centrale Virksomhedsregister](https://datacvr.virk.dk/). ### Finanstilsynet (Denmark) The Danish Financial Supervisory Authority that supervises Danish financial companies. See [Finanstilsynet](https://www.finanstilsynet.dk/). ### CPR-nummer CPR-nummer is the National Identity Number (NIN) for Denmark, also called *personnummer*. A 10-digit number that uniquely identifies each Danish citizen. Non-citizens can get an identity number called an [*Administrative CPR-nummer*](#administrative-cpr-nummer). For more information, see [CPR - Det Centrale Personregister](https://www.cpr.dk/). The National Identity Number is protected. See [NIN](#national-identity-number-nin). ### Administrative CPR-nummer A National Identity number given to non-Danish citizens who don't have a [Danish CPR-nummer](#cpr-nummer), but have a need for identification for the Danish authorities. For more information, see [CPR - Det Centrale Personregister](https://www.cpr.dk/). The National Identity Number is protected. See [NIN](#national-identity-number-nin). ## Finnish terms ### Finnish Trust Network (FTN) Software that certifies the identity of a person. See [FTN](https://www.criipto.com/electronic-identities/ftn). ### Yritys- ja yhteisötietojärjestelmä (YJT) The official Finnish register of companies. See [Yritys- ja yhteisötietojärjestelmä (YJT)](https://ytj.fi). ### Finanssivalvonta Financial Supervisory Authority. See [Finanssivalvonta](https://www.finanssivalvonta.fi). ### Henkilötunnus The National Identity Number (NIN) for Finland. A sequence of 11 characters that uniquely identifies each Finnish citizen. For more information, see [Suomi.fi](https://www.suomi.fi/citizen/rights-and-obligations/legislation-and-legal-protection/guide/personal-data-and-handling-of-this-data/personal-identity-code). The National Identity Number is protected. See [NIN](#national-identity-number-nin). ## Norwegian terms ### BankID Software that certifies the identity of a person. ### Brønnøysundregistrene The [Brønnøysundregistrene](https://www.brreg.no/), or *Business registry*, is the official Norwegian register of companies. ### D-nummer A Norwegian identity number (NIN) given to foreign persons who do not have a Norwegian [Fødselsnummer](#fødselsnummer), but have a need for identification for the Norwegian authorities. An 11-digit number that uniquely identifies each Norwegian citizen. For more information, see [skatteetaten.no](https://www.skatteetaten.no/person/folkeregister/identitetsnummer/). The National Identity Number is protected. See [NIN](#national-identity-number-nin). ### Finanstilsynet (Norway) The [Finanstilsynet](https://www.finanstilsynet.no) is a Norwegian agency that supervises Norwegian financial companies. ### Fødselsnummer *Fødselsnummer* is the National Identity Number (NIN) for Norway. An 11-digit number that uniquely identifies each Norwegian citizen. The first six digits are the date of birth in DDMMYY format, and the last five digits are the "personnummer". Since many are confused about fødselsnummer and personnummer it is often written "fødselsnummer (11 siffer)", meaning "fødselsnummer (11 digits)". Non-citizens can get an identity number called a [*D-nummer*](#d-nummer). For more information, see [skatteetaten.no](https://www.skatteetaten.no/person/folkeregister/identitetsnummer/). The National Identity Number is protected. See [NIN](#national-identity-number-nin). ## Swedish terms ### Personnummer *Personnummer* is the National Identity Number (NIN) for Sweden. More information, see [skatteverket.se](https://www.skatteverket.se/privat/folkbokforing/personnummer). The National Identity Number is protected. See [NIN](#national-identity-number-nin). > **Full site overview:** For every page in this documentation, read [https://developer.vippsmobilepay.com/llms.txt](https://developer.vippsmobilepay.com/llms.txt).