MobilePay payments
Learn about MobilePay, a popular payment method in Denmark and Finland.
MobilePay is a single-use card wallet payment method used in Denmark and Finland. It allows your customer to authenticate and approve payments using the MobilePay app.
When your customer pays with MobilePay, Stripe performs a card transaction using the card data we receive from MobilePay. The processing of the card transaction is invisible to your integration, and Stripe immediately notifies you whether the payment succeeded or failed.
Payment flows
Customers pay with MobilePay by using one of the following methods:
Get started
You don’t have to integrate MobilePay and other payment methods individually. If you use our front-end products, Stripe automatically determines the most relevant payment methods to display. Go to the Stripe Dashboard and enable MobilePay. To get started with one of our hosted UIs, follow a quickstart:
Other payment products
The following Stripe products also let you add MobilePay from the Dashboard:
You can also manually configure MobilePay as a payment method.
Connect
You can use Stripe Connect with MobilePay to process payments. Connect users can use MobilePay with the following charge types:
Enable MobilePay for connected accounts
Connected accounts with access to the full Stripe Dashboard can enable MobilePay in their Payment methods settings. To check which accounts have enabled MobilePay, use the capabilities hash in our accounts webhooks or APIs to see if the mobilepay_ capability is set to active.
For connected accounts that don’t have access to the full Stripe Dashboard, see enable payment methods for your connected accounts. The name of the connected account is the name customers see during checkout and in the MobilePay app.
Refunds
MobilePay supports full and partial refunds. You can also issue multiple partial refunds up to the amount of the original charge.
Disputes
MobilePay allows transaction disputes. Customers can open disputes directly with their cards issuer for cases of suspected fraud, double payments, or a difference between an order and a transaction amount. You can submit evidence to contest a dispute directly. The dispute process is the same as that for card payments. Learn how to manage disputes.
Card transaction retries
MobilePay allows customers to retry payments in-app before marking a payment as failed and redirecting to your website. When a card transaction fails, the customer can retry a payment using a different card, which might result in a successful payment.
3D Secure authentication
Certain cards or banks might require an additional card authentication step to process the MobilePay transaction.
When this occurs, the customer is presented with a WebView window in the MobilePay application, prompting them to authorise the payment. The need to perform a 3-D Secure challenge is invisible to your integration and there are no extra integration steps for you to handle.
The expected impact varies, depending on customer country and card network:
| Country | Card brand | Payments requiring 3DS step-up |
|---|---|---|
| Denmark | Visa | ~1% |
| Denmark | Mastercard | ~1.5% |
| Finland | Visa | ~5% |
| Finland | Mastercard | ~7% |
Liability shift
Liability shift doesn’t apply to MobilePay payments unless 3D Secure authentication has taken place. MobilePay doesn’t allow you the option to enforce 3D Secure authentication on the underlying card payment.
Prohibited business categories
In addition to the categories of businesses restricted from using Stripe, the following categories are specifically prohibited from using MobilePay:
- Cryptocurrencies
- Stock trade
- Gambling
- Betting
- Bonds
- Money transfers
- Debt collection
- Multi-level marketing and pyramid schemes
For more information about MobilePay eligibility for your account, review your Payment methods settings in the Dashboard.
Current limitations
Account icons
The MobilePay transaction confirmation page displays the default Stripe account icon instead of a configurable custom logo. Stripe will notify you when feature improvements become available so you can update your account configuration as needed.
An example confirmation page for a successful MobilePay payment.
Manual captures
At this time, MobilePay only supports automatic captures and manual captures of the full amount. Stripe will notify you as feature improvements become available for manual captures of partial amounts.
Dankort support
Stripe currently doesn’t support the Dankort card network. If a customer chooses to pay with a Dankort-branded card, Stripe processes the payment on the Visa and Mastercard networks instead.
Fees
Stripe receives card data from MobilePay to process card transactions using Stripe’s Visa and Mastercard integrations. Because MobilePay payments are card transactions, you incur the following fees for each successful transaction:
- Stripe processing fees associated with the card transaction
- Applicable taxes
- MobilePay transaction processing fee
- An additional monthly membership fee (applicable only to businesses registered in Denmark)
The MobilePay transaction fee isn’t subtracted immediately from the transaction. Instead, Stripe bills them once a day.
Stripe processing fees and taxes
After a successful transaction, Stripe automatically deducts the Stripe transaction fees and applicable taxes from the original transaction amount and provides the remaining amount on your Stripe balance. These fees are identical to a standard card transaction.
MobilePay is subject to the standard payout schedule applicable to your country.
MobilePay processing fee
The MobilePay processing fee isn’t presented within the net amount of a successful transaction. Instead, Stripe bills the MobilePay processing fee once a day, at which point we automatically deduct the sum that you owe from your Stripe balance.
MobilePay monthly processing fee
MobilePay charges a fixed 35 DKK monthly membership fee to all businesses registered in Denmark that use its services. Stripe bills this fee once a month (if applicable), at which point we automatically deduct the sum that you owe from your Stripe balance.
The incurred MobilePay fees are listed as a separate entry on your monthly tax invoice. You can find your monthly invoices in the Dashboard.