Online payments

Choose your online payment flow based on your checkout needs:

• Standard - Traditional flow where customers complete payment after reviewing their cart
• Express - Streamlined one-click checkout with shipping selection in the app

Standard

Standard online payment

The customer selects items in your e-commerce store, clicks checkout, and completes payment in the Vipps MobilePay app.

1. Add products to order - Customer selects items in your online store.
2. Send payment request - Initiate payment using the ePayment API with WEB_REDIRECT.
3. Customer authorizes - Customer approves payment in their app (via app-switch or landing page).
4. Provide confirmation - Display order confirmation to customer.
5. Prepare the order - Pack the goods and make them ready to dispatch.
6. Capture payment - Capture the payment and confirm that the full amount was captured.
7. Ship the order - Hand the goods to the carrier only after the capture is confirmed.

View sequence diagram

Standard online payment flow

1. Merchant initiates a payment request via the ePayment API.
2. ePayment API requests payment from the customer and adds order details.
3. Customer clicks pay.
4. Webhooks API sends the merchant a webhook with the payment authorization status.
5. Merchant displays order confirmation to the customer.
6. Merchant prepares the order (packs goods, makes ready to dispatch).
7. Merchant captures the payment via the ePayment API.
8. ePayment API returns a response with the captured amount.
9. Merchant verifies the captured amount matches expected before shipping.
10. Merchant ships the order (only after full capture is verified).

Express ⭐

Express online payment

Streamline your checkout process by letting customers select shipping options and confirm delivery details directly within the Vipps MobilePay app.

1. Customer clicks Express - Customer clicks the Express button on your product or checkout page.
2. Initiate Express payment - Create payment with shipping options using the ePayment API.
3. Customer consents - Customer approves sharing their name, address, phone, and email.
4. Customer selects shipping - Customer chooses their preferred shipping option in the app.
5. Customer authorizes - Customer confirms the final payment amount (including shipping).
6. Prepare the order - Pack the goods and make them ready to dispatch.
7. Capture payment - Capture the payment and confirm HTTP 200 OK.
8. Ship the order - Hand the goods to the carrier only after the capture is confirmed.

View sequence diagram

Express checkout flow

1. User clicks the Express button on the merchant site.
2. Merchant creates an Express payment with ePayment for 8000 NOK, specifying payment method WALLET, profile scope for name/address/email/phone, shipping options, user flow WEB_REDIRECT, and a returnUrl.
3. ePayment returns a redirectUrl and payment reference to the merchant.
4. Merchant redirects the user to the Vipps or MobilePay app via the redirectUrl.
5. ePayment asks the user to consent to sharing their name, address, phone, and email. The user does not yet see the total amount including shipping.
6. User consents to sharing their profile information.
7. If dynamic shipping is configured: ePayment sends the user's address to the merchant, the merchant calculates available shipping options and returns them to ePayment.
8. ePayment shows available shipping methods to the user.
9. User selects a shipping option (for example, 400 NOK).
10. ePayment updates the total to 8400 NOK and asks the user to confirm. The user can now see the full amount.
11. User confirms the payment. ePayment reserves 8400 NOK (payment becomes AUTHORIZED).
12. ePayment notifies the merchant that payment is confirmed and 8400 NOK is reserved, including user and shipping details.
13. Merchant packages the product and hands it over to the carrier.
14. Merchant captures 8400 NOK via ePayment and verifies the captured amount before dispatching.
15. Merchant adds order info and/or a tracking link via the Order Management API. ePayment sends order confirmation and tracking details to the user.

Technical details

Standard:

• How ePayment works online
• Create payment
• Landing page

Express:

• How Express works - Visual walkthrough of the customer experience
• Express feature documentation - Complete implementation guide with API specifications