Freedom251 › Peer-to-Peer Payment Apps
Vipps
What Vipps is
Vipps is a payment app for sending and receiving money, paying in stores and online, settling shared expenses, collecting money, and paying bills. It supports contactless payments at card terminals: users unlock their phone to tap and can add Visa or Mastercard cards. Vipps says users pay no fee for payments, including tapping. Businesses can use Vipps for in-person and online payments, recurring payments, payment links, donations, and cash-register integration. Listed standard business charges vary by service: in-person payments are 1.75 NOK, paid once, billed at 1.75% per transaction; payment links are 2.49 NOK, paid once, billed at 2.49% plus 1 NOK per transaction. Some enterprise or growth pricing may be available by request or agreement. Developers have guides, SDKs, APIs, and setup instructions for integrations. Vipps is available on Android, iOS, and through an API.
Who it suits
Vipps suits individuals who want to send money, pay bills, or make contactless payments, and businesses seeking payment services. Its listed markets for sending money are Norway, Sweden, Denmark, and Finland.
What it does well
- No user fee for payments, including tapping
- Supports Visa and Mastercard for contactless payments
- Offers split payments, requests, and instant transfers
- Business services include online and recurring payments
What to know first
- Sending money is listed for four Nordic countries
- Some business offerings have transaction-based charges
Limits
Vipps has no user payment fee, but business products use separate charges: 1.75% per in-person transaction; 1.99% plus 1 NOK for donations; 2.49% plus 1 NOK for payment links; and 2.99% plus 1 NOK for recurring payments. Login starts at 300 kr per month based on active consents, while cash-register integration pricing is provided by a partner.
Plans
| Plan | Billed and limits | Price |
|---|---|---|
| Vipps payments for businesses: in-person | 1.75% per transaction · Vipps Number Shopping Basket · Vipps Number Open Amount · Mobile Point-of-sale | 1.75 NOK, paid once |
| Donations | 1.99% + 1 NOK per transaction · Remote sales · Subscriptions | 1.99 NOK, paid once |
| Payment links | 2.49% + 1 NOK per transaction · Online · Remote sales | 2.49 NOK, paid once |
| Recurring payments | 2.99% + 1 NOK per transaction · Subscriptions | 2.99 NOK, paid once |
| Login | From 300 kr per month, based on number of active consents · Login · price starts at 300 kr per month | 300 NOK a month |
| Cash register integration | Contact your partner for a complete price overview · In person | On request |
As vipps.no lists them, read 2 Oct 2026. The maker's own page has the final word.
Getting started
- Open the Vipps website
- Install Vipps on Android or iOS
- Add a Visa or Mastercard card for tapping
- Unlock the phone when tapping at a card terminal
- Choose a business payment product if accepting payments
- Use the developer guides, SDKs, APIs and setup instructions for integrations
Verdict
Vipps combines personal payments with a range of business payment options. Check the listed business charges and market availability against your needs.
Questions
Is Vipps free for users?
Vipps lists a free plan and says users are not charged a fee when paying with Vipps, including tapping.
Which cards can be used for tapping?
Users can add Visa and Mastercard cards to Vipps, then tap at a card terminal after unlocking the phone.
Where can users send money?
Vipps says users can send money to Norway, Sweden, Denmark and Finland.
What business payment products are available?
Listed options include in-person payments, online payment integration, recurring payments, payment links, donations and cash-register integration.
What does payment-link processing cost?
The listed Payment links plan is 2.49 NOK, paid once, billed as 2.49% plus 1 NOK per transaction.
What integration resources are provided?
Vipps MobilePay provides developer guides, SDKs, APIs and setup instructions. Its partner portal includes setup, product orders, sales units, webhook status, configuration details and webhook errors.
Facts from Vipps's own pages
- Cards
- Users can add Visa and Mastercard cards to Vipps for tapping. · vipps.no, 2 Oct 2026
- Company
- Vipps MobilePay describes itself as a Nordic fintech brand formed from Vipps, founded in Norway, and MobilePay, which originated in Denmark. · vippsmobilepay.com, 2 Oct 2026
- Founded
- 2015 · vipps.no, 28 Sept 2026
- Headquarters
- Oslo, Norway · vipps.no, 28 Sept 2026
- Integrations
- Vipps MobilePay provides developer guides, SDKs, APIs, and setup instructions for integrations. · vippsmobilepay.com, 2 Oct 2026
- Markets
- Vipps says users can send money to Norway, Sweden, Denmark, and Finland. · vipps.no, 2 Oct 2026
- Merchant offerings
- Business payment solutions listed include in-person payments, online payment integration, recurring payments, payment links, donations, and cash-register integration. · vippsmobilepay.com, 2 Oct 2026
- Partner tools
- The partner portal shows partner setup, product orders, sales units, webhook status, configuration details, and webhook errors. · vippsmobilepay.com, 2 Oct 2026
- Pricing limits
- The displayed prices are for the standard business tier; enterprise or growth pricing may be available by request, agreement, partner, or plugin. · vippsmobilepay.com, 2 Oct 2026
- Rewards
- The VIP area offers rewards and prize draws for people who tap with Vipps. · vipps.no, 2 Oct 2026
- Security
- Vipps advises users never to share PINs, card or account information, passwords, or other sensitive information, and says it will not ask them to update payment details through an SMS or email link. · vipps.no, 2 Oct 2026
- Support
- Vipps directs users to its help pages and offers chat support. · vipps.no, 2 Oct 2026
- Tapping
- Vipps supports contactless mobile payments at a card terminal, and the site says users must unlock their phone to tap. · vipps.no, 2 Oct 2026
- Transaction fees
- Vipps says it does not charge users a fee when they pay with Vipps, including when tapping. · vipps.no, 2 Oct 2026
- What it does
- Vipps lets users send and receive money, pay in stores and online, settle shared expenses, collect money, and pay bills. · vipps.no, 2 Oct 2026
Where Vipps stands on Freedom251
- Peer-to-Peer Payment Apps#15 of 24