MobilePay Online
Information on the MobilePay Online payment method.
- Introduction
- User Experience
- Details
- How to activate MobilePay Online
- Merchant Categories
- Payment method messaging
- Get Support
Introduction
MobilePay Online is a Smart Checkout payment method which allows customers to complete payments using their MobilePay phone app.
Some of the main benefits of offering MobilePay Online as a payment method are:
- Flexibility: By eliminating the need for customers to carry bank cards, MobilePay provides convenience and flexibility. Studies have shown that businesses offering mobile payment options experience an average increase of 15% in sales due to the convenience factor and expanded payment options
- Popularity: MobilePay is highly popular in Denmark and Finland, with a combined user base of over 6 million users. By integrating MobilePay, you can tap into this large user base, potentially increasing your customer reach and expanding your market share
- Speed: MobilePay significantly speeds up the checkout process, resulting in higher conversion rates. Businesses that have implemented MobilePay have reported up to a 20% increase in conversion rates, as customers can complete transactions swiftly, reducing cart abandonment and improving overall sales
- Security: With MobilePay, customers confirm every payment within their banking app, providing an additional layer of security. This secure authentication process has resulted in a fraud rate of less than 0.01%, ensuring peace of mind for both customers and merchants
- Increased customer satisfaction: Offering MobilePay as a payment method can result in higher customer satisfaction rates. Studies have indicated that businesses that provide mobile payment options experience a 92% customer satisfaction rate, leading to improved customer loyalty and positive brand perception
- Get started quickly: There is no need for the merchant to have an account with MobilePay. The seamless integration process can save valuable time and resources, enabling you to offer MobilePay as a payment option to your customers promptly
User Experience
Screenshots
Desktop:
At the checkout, the customer selects MobilePay Online as their preferred payment method, before clicking the ‘Pay’ button:
The customer is redirected to the MobilePay environment (browser page) to enter their mobile phone number
The customer receives a notification on their mobile device. In the desktop browser, a countdown timer is displayed, showing the customer their remaining time to confirm the payment
The customer then opens their MobilePay mobile app and confirms their payment
Once the payment is complete - based on the outcome of the transaction - the customer is redirected to either the Success or Failure page in the desktop browser 1
Mobile:
At the checkout, the customer selects MobilePay Online as their preferred payment method, before clicking the ‘Pay’ button:
The customer is redirected to the MobilePay environment (browser page) to enter their mobile phone number
The customer receives a notification. In the browser, a countdown timer is displayed, showing the customer their remaining time to confirm the payment
The customer then opens the MobilePay app and confirms their payment
Once the payment is complete - based on the outcome of the transaction - the customer is redirected to either the Success or Failure page in the browser 1
1 It is important to ensure - as the merchant - that you verify the payment’s status explicitly, rather than relying on a browser/session object:
- We recommend utilising our Transaction Payment Created & Transaction failed webhooks for this
- Alternatively (or in addition), you can use our Retrieve Transaction API call
Video
Desktop:
After clicking the ‘Order’ button as displayed in the video, the customer completes the remaining steps as outlined above.
Details
- How to activate: Please refer to the How to activate section below
- Payment method type: Synchronous - payments are confirmed immediately
- Refunds: Supports partial and full refunds
- Recurring payments: Not yet supported
- Pre-authorizations: Supports pre-authorizations
- Restricted MCC: Some Merchant Categories are not eligible to have MobilePay Online activated
- Μerchant countries: Austria, Belgium, Croatia, Cyprus, Denmark, Finland, France, Germany, Greece, Ireland, Italy, Luxembourg, Malta, Netherlands, Portugal, Spain & Sweden
- Customer countries: Denmark & Finland
- Pricing: Please refer to our pricing page under the main navigation for more information
- Settlement: Customer payments are deposited next day into your business account for confirmed payments / successful transactions (i.e. have statusId = F)
- Cross-currency payments: Cross-currency payments are supported by MobilePay
- Additional notes: MobilePay Online is not available through Quick Pay or for payment orders with the
disableExactAmountparameter and/ordisablePaidStateparameter set to ‘true’. The Email address and Customer Name fields within Smart Checkout are optional.
How to activate MobilePay Online
| Environment | Activation details |
|---|---|
| Production | MobilePay Online can be activated by the merchant. Please see the below steps |
| Demo | MobilePay Online is not available in the Demo environment |
A VAT number is mandatory for the activation of MobilePay Online. If you do not have a registered VAT number, you will see a message within your account when attempting activation.
In case your account is missing a VAT number, please provide this to Viva Support through our chat feature(which can be found in your Production Viva self-care account) or by calling us
Merchants can only activate MobilePay Online on their own from their Viva account interface. To activate MobilePay Online, please follow the procedure below:
Sign in to your production Viva account
Click on Settings > API Access and scroll down to the MobilePay Online (Payment Method) section
Click on the Enable MobilePay Online as a payment method button
MobilePay Online will be activated
If you would like to deactivate MobilePay Online, click on the Disable MobilePay Online as a payment method button
Merchant Categories
There are some merchant categories that are not eligible to have MobilePay Online activated. If your business is in one of these categories, you will not be able to accept payments through MobilePay Online:
| Merchant Category (MCC) | Description |
|---|---|
| 4829 | Money Orders – Wire Transfer |
| 5966 | Direct Marketing – Outbound Telemarketing Merchant |
| 5967 | Direct Marketing – Inbound Teleservices Merchant |
| 6050 | Quasi Cash - Customer Financial Institution |
| 6051 | Quasi Cash - Merchant |
| 6211 | Security Brokers/Dealers |
| 6529 | Remote Stored Value Load – Member Financial Institution |
| 6530 | Remove Stored Value Load – Merchant |
| 6534 | Money Transfer |
| 7321 | Consumer Credit Reporting Agencies |
| 7322 | Debt Collection Agencies |
| 7801 | Government-licensed Online Casinos |
| 7841 | Video Tape Rental Stores |
| 7995 | Betting (including Lottery Tickets, Casino Gaming Chips, Off-track Betting and Wagers) |
| 9222 | Fines |
| 9223 | Bail and Bond Payments |
| 9754 | Gambling – Horse, Dog Racing, State Lottery |
Payment method messaging
It is important that the customer is aware of the payment methods you offer via Smart Checkout, as this will increase conversion and average order values. Please see our payment method messaging guide for more details on why and where we would recommend adding this information to your site.
If desired, you can download and use this icon on your site or online store, in order to show customers you offer MobilePay Online as a payment method:
Get Support
If you would like to integrate with Viva, or if you have any queries about our products and solutions, please see our Contact & Support page to see how we can help!