Skip to main content

Documentation Index

Fetch the complete documentation index at: https://docs.dintero.com/llms.txt

Use this file to discover all available pages before exploring further.

Vipps is a Norwegian mobile payment application that allows customers to approve payments in the Vipps app. It is widely used across Norway and supports both online and in-person payments.

​
How It Works

  1. Customer selects Vipps at checkout and enters their phone number.
  2. A payment request is sent to the customer’s Vipps app.
  3. The customer authenticates and approves the payment in the app.
  4. The transaction is authorized and the merchant receives a callback.
  5. The merchant captures the transaction to complete the payment.
  6. Funds are settled to the merchant through the configured settlement schedule.

​
Liability

Vipps is a wallet payment method where the customer actively approves the payment from the Vipps app. Payments are authenticated using device biometrics (Face ID, Touch ID) or device passcode. Vipps then passes a network token for the card data directly to Dintero. For Visa this will generally be considered Strong Customer Authentication (SCA), so the liability is on the card issuer, not the merchant. For Mastercard liability will always be on the merchant as they don’t send a network token that Mastercard accepts as having SCA.
  • Chargeback risk: Transactions are subject to card network chargeback rules. Customers can dispute charges through their card issuer (e.g., fraud disputes, items not received), following the same process and liability rules as regular card payments.
  • Funds guarantee: Vipps transactions go through a standard card authorization flow. An AUTHORIZED transaction means funds have been reserved at the card network level, and a CAPTURED transaction means funds are on their way to settlement.
  • ECI: Merchants can inspect the card.eci field on an authorized transaction before capturing to determine the authentication level and resulting liability. A value of 05 (Visa) or 02 (Mastercard) indicates full SCA with liability shift to the issuer. 06/01 indicates authentication was attempted. 07/00 indicates no authentication was performed and the merchant bears fraud liability.