MobilePay

MobilePay is a popular payment method in Denmark and Finland.

Before shoppers can use MobilePay, they have to install the MobilePay app on their mobile device, and link at least one card (Visa, Mastercard, or Dankort) to their MobilePay account. The shopper's account information is connected to their phone number.

When paying with MobilePay in-app, the shopper is switched to the MobilePay app to authenticate the payment. When paying with MobilePay on a website, the shopper is first redirected to a MobilePay-hosted page to enter their phone number. The shopper then gets a push notification on their mobile device to open the MobilePay app to complete the authentication.

Payment type	Payment flow	Countries	Currencies	Recurring	Refunds	Partial refunds	Multiple partial refunds	Separate captures	Partial captures	Multiple partial captures	Chargebacks
Wallets	Redirect	DK, FI	DKK, EUR

Payouts to MobilePay wallets

By adding MobilePay to your online-payments integration, you also get the opportunity to pay out sums of money to cards that customers have linked to their MobilePay wallet. This involves generating a payout token through a MobilePay payment, and then specifying the payout token in the payout.

This is how it works:

1. Get in touch with us to get approval, and then set up a balance platform.

   The MobilePay payouts feature does not work with the deprecated Payout API. Instead, you need to set up a balance platform account structure and integrate with the Transfers API to make payouts.

2. Set up recurring lifecycle webhooks:
   1. In your Customer Area, go to Developers > Webhooks > Create new webhook > Add Recurring tokens life cycle events.
   2. Specify your technical details and select the events you require:
      • recurring.token.created
      • recurring.token.disabled
3. In your MobilePay /payments request, you include enablePayOut : true. This creates a payout token for the customer.
4. You receive the payout token in a recurring lifecycle webhook. This token can be used for payouts only, not for recurring or card-on-file payments.
5. You can then make payouts using the /transfers endpoint, by specifying the payout token as the counterparty.card.cardIdentification parameter value.

Known limitations

MobilePay payouts is an experimental product and has the following limitations:

• Requires setting up a balance platform.
• It is limited to Visa and Mastercard cards (both mono- and co-branded cards).
• If you want to make use of both Visa/Mastercard payouts and MobilePay payouts, you have to create separate merchant accounts for each payout type to collect the associated pay-ins that form part of the /payments requests that create the payout tokens. The need for separate merchant accounts is due to limitations on defining separate pricing for each type of payout when on the same account.
• Creating a token for MobilePay payouts is only supported with the /payments endpoint.
• The transaction details that are sent to MobilePay after the successful completion of a payout will only include the balance transfer ID as reference.

How do you want to integrate?