Accept MobilePay payments with Checky Pro

The everyday app of Denmark and Finland. A phone number at checkout, a fingerprint in the app, and the payment is approved in seconds.

See all 24 methods

New here? Checky Pro is the payments & checkout platform for modern e-commerce — MobilePay is one of the 21 payment methods you can switch on today.

What is MobilePay?

MobilePay is the mobile payment app that Denmark and Finland run on day to day. Danske Bank launched it in 2013 and it spread far past its own customers: it is the app Danes use to pay each other, to pay at markets and small shops, and increasingly to check out online. In Finland it holds the same position.

Since 2022 it has belonged to Vipps MobilePay, formed when MobilePay merged with Norway’s Vipps. The names stayed local — MobilePay in Copenhagen and Helsinki, Vipps in Oslo — but they are one company on one platform now, which is why the checkout flow is the same in all three countries.

Paying online means a phone number and an app. On a desktop the customer confirms their number and a push notification arrives; on a phone the app simply opens. They approve with a fingerprint or PIN, and the card they registered in the app is charged behind the scenes — so this is a card-backed wallet rather than a bank transfer, whatever it feels like to the shopper.

What MobilePay can do

Coverage, costs and capabilities. Every method page answers the same questions in the same order, so you can compare two methods line by line.

Coverage

Payment type: Mobile wallet — card-backed
Channel: Online
Consumer countries: Denmark · Finland
Available for: Companies in the EU

Your company is registered in

Pricing & settlement

Processing fee: 2,95% + € 0,40
Authorization fee: NoneThe € 0,40 is part of the price above — no separate fee per attempt.
Currency conversion: 2% in DKKOnly when your customer pays in another currency than the one you are paid out in.
Settlement currency: EURPayout in GBP or USD is possible too, at the 1% multi-currency fee.
Settlement: 3–7 business days

Features

Refunds: Supported.
Partial refunds: Supported.
Recurring payments: Supported.MobilePay supports saved and recurring payments in its own product.
3-D Secure: Not supported.The customer approves with a fingerprint or PIN in the MobilePay app.
Express wallet buttons: Not supported.Wallet buttons in our checkout run on cards.
Multi-acquirer routing: Not supported.Runs on a single acquiring route.
Chargebacks: Supported.A registered card sits behind the wallet, so card dispute rules apply.
Chargeback alerts: Not supported.Pre-dispute alerts come from card issuers and do not cover wallet disputes.

Prices follow the region above and come from the same rate card as the pricing page. They may still vary with merchant profile, processing volume and acquiring setup.

Why MobilePay, and why through Checky Pro

The top row is the method itself; the bottom row is what our platform adds on top of it.

Two markets, one app

MobilePay is the everyday payment app in both Denmark and Finland, so a single method covers a large share of two countries.

A phone number and a fingerprint

No card details at checkout. The app opens or a notification arrives, and the payment is approved in seconds.

One company with Vipps

Since the 2022 merger, MobilePay and Norway’s Vipps run on the same platform under different local names.

The rate is on the public card

MobilePay sits on the same public rate card as every other method — no separate quote, no separate contract.

One balance for two markets

Danish and Finnish payments land in the same balance and payout schedule as everything else.

Nothing to rebuild later

MobilePay is a switch in your dashboard, not an integration project.

How a MobilePay payment works

From click to balance — what your customer sees, and what happens behind it.

1
Enters their phone number
On a desktop the customer confirms their number; on a phone the MobilePay app opens without one.
2
Gets a push notification
The MobilePay app shows your store and the amount, and asks them to approve.
3
Approves with a fingerprint
A fingerprint or PIN confirms it, and the card registered to the MobilePay account is charged.
4
Settled to your balance
Added to your Checky Pro balance and paid out in 3–7 business days.

MobilePay, answered

Still something open? The team answers on WhatsApp, usually the same day.

Can I accept MobilePay through Checky Pro today?

Yes, if your company is registered in the EU. Once your account is approved you switch it on in your dashboard, next to your other payment methods.

What should I offer Danish and Finnish customers next to MobilePay?

Cards and wallets work everywhere — Apple Pay and Google Pay are widely used in both countries. All of them are switches in the same dashboard.

Is MobilePay the same as Vipps?

Same company since 2022, different brand per market. MobilePay is the Danish and Finnish name, Vipps the Norwegian one.

Is MobilePay a bank transfer?

No. It charges a card the customer registered in the app, which is why card dispute rules apply to it.

Can companies outside the EU offer MobilePay?

Not yet. MobilePay is available for companies registered in the EU; for companies in the United Kingdom, the United States or Hong Kong it is not available.