Payments via MobilePay Online

MobilePay Online is a payment method available through Smart Checkout, allowing customers to complete payments using the MobilePay app on their mobile devices.

#Key Advantages of MobilePay Online as a Payment Method

• Flexibility: By eliminating the need for physical cards, MobilePay offers comfort and convenience. Studies show that businesses offering mobile payment options experience an average sales increase of 15%, thanks to the ease of use and wider payment options.

• Popularity: MobilePay is highly popular in Denmark and Finland, with a user base exceeding 6 million. By integrating MobilePay, you can tap into this large user base, expanding your customer reach and market share.

• Speed: MobilePay significantly accelerates the payment process, resulting in higher transaction completion rates. Businesses that have adopted it report up to a 20% increase in sales.

• Security: With MobilePay, customers confirm each payment through their banking app, providing an additional layer of security. This leads to fraud rates lower than 0.01%, offering peace of mind for both customers and merchants.

• Increased Customer Satisfaction: Offering MobilePay as a payment method can lead to higher customer satisfaction rates. Studies indicate that businesses providing mobile payment options achieve customer satisfaction rates of 92%, enhancing customer loyalty and positively reinforcing your business's image.

• Quick Activation: You do not need an account with MobilePay. The integration process is quick, saving time and resources.

#User Experience

1. At checkout, the customer selects MobilePay Online and clicks the Pay button.
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2. The customer is redirected to the MobilePay environment (via browser) and enters their mobile number.

3. The customer receives a notification on their mobile device. On the computer, a timer is displayed, showing the time available to confirm the payment.

4. The customer opens the MobilePay app and confirms the payment.

5. After completing the payment, the customer is redirected to a success or failure page, depending on the transaction's status.

Mobile: The process is similar to the above but optimized for mobile device usage.

Important: As a merchant, you must verify the status of each payment.

• We recommend utilizing our Transaction Payment Created and Transaction failed webhooks for this purpose.

• Alternatively (or in addition), you can use our Retrieve Transaction API call.

#➡️Important Details

• How to Activate MobilePay: Please refer to the "How to Activate" section below.

• Type of Payment Method: Synchronous – payments are confirmed instantly.

• Refunds: Supports partial and full refunds.

• Recurring Payments: Not currently supported.

• Pre-Authorizations: Supported.

• Restricted MCCs: Some merchant categories are not eligible for MobilePay Online activation (see below).

• Merchant Countries: Austria, Belgium, Croatia, Cyprus, Denmark, Finland, France, Germany, Greece, Ireland, Italy, Luxembourg, Malta, Netherlands, Portugal, Spain, and Sweden.

• Customer Countries: Denmark and Finland.

• Pricing: Please visit the pricing page for more information.

• Settlement: Customer payments are deposited the next day into your business account for confirmed payments/successful transactions.

• Cross-Currency Payments: Supported by MobilePay.

• Notes: MobilePay Online is not available through Quick Pay. The fields "Email" and "Customer Name" in Smart Checkout are optional.

#➡️How to Activate MobilePay Online

Merchants can activate MobilePay Online themselves through their Viva account interface. To activate it, follow these steps:

1. Log in to your production account on Viva.

2. Click on Settings > API Access and scroll down to the MobilePay Online (Payment Method) section.

3. Click the button Enable MobilePay Online as a payment method.

4. MobilePay Online will be activated.

5. To disable MobilePay Online, click the button Disable MobilePay Online as a payment method.

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.

#➡️Merchant Categories

Some merchant categories (MCC) are not eligible for MobilePay Online activation. If your business falls under one of these categories, you will not be able to accept payments via MobilePay Online.

Mcc

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

#➡️Support

If you would like to collaborate with Viva or have questions about our products and solutions, visit our Contact & support to learn how we can assist you!