MobilePay in your shop: how to accept it.

Why MobilePay matters in Denmark

If you sell anything in Denmark, MobilePay betaling i butik is not a nice-to-have; it is what a great many customers expect to see next to the card reader. For a lot of Danes it is the first thing they reach for at the counter, at the market stall, at the sports club and in the parked food truck. When a customer has their phone in hand and you can only take a card, that is a moment of friction you would rather not have.

For a small or medium-sized business the argument is simple: you want to take payment in whatever way is easiest for the person in front of you, without making them fish out a card or, worse, walk off to find an ATM. Accepting MobilePay removes that hesitation. It is fast, the customer already trusts it, and for you it lands in the same place as everything else, which is the part most guides forget to mention.

The good news is that mobilepay i butik no longer means a separate box on the counter or a QR code taped to the till. In store it runs through the same payment terminal you use for cards, which is why the rest of this guide treats MobilePay and card acceptance as one setup rather than two.

The ways to accept it

There are three practical ways to take MobilePay, and most shops end up using two of them. Pick by where the sale happens.

1. In the payment terminal (contactless / in the app). At the counter the customer holds their phone to the terminal or taps in the MobilePay app, the same gesture as a contactless card. There is no separate MobilePay device to buy and no QR code to reprint every time a price changes. If you are choosing hardware, this is the piece to get right first, and our payment terminal takes MobilePay and cards on the same reader.
2. At online checkout. For a webshop, MobilePay sits in the checkout next to the card fields. The customer chooses MobilePay, approves in the app on their phone, and is returned to your confirmation page. Our online checkout supports this so a web sale and an in-store sale land in the same account.
3. Via payment links. When there is no terminal and no full checkout, for example an invoice, a phone order, a deposit or a booking, you can send a payment link. The customer taps it, pays with MobilePay or a card, and you get notified. Handy for tradespeople, service businesses and anyone who quotes first and gets paid after.

A shop with a till and a webshop typically uses the first two; a service business often lives on the terminal and the odd payment link. The point is that you are not signing up for three separate products, you are turning on the channels you actually need.

How it settles alongside card payments

This is where accepting mobilepay erhverv through your acquirer beats bolting on a standalone MobilePay box. When MobilePay runs in your terminal and at your online checkout, it settles together with your card payments. One settlement, one payout, one line of support, one place in the bookkeeping.

• One settlement. Cards and MobilePay taken through SEJR are reconciled together, so you are not stitching two reports into one at month end.
• Money next banking day. With SEJR the money from your day's takings typically reaches your account the next banking day, MobilePay and cards alike.
• One agreement, one contact. If something needs sorting you call one number: +45 70 60 30 86, Danish support from Glostrup, rather than being handed between providers.

The contrast with a separate MobilePay-only setup is the reconciliation. Two providers means two payouts on different days, two statements, and an accountant who has to match them up. Running MobilePay through the same acquirer as your cards keeps the books simple, which for a busy shop owner is worth as much as the payment itself.

MobilePay is now part of Vipps MobilePay

One thing worth knowing so it doesn't confuse you: MobilePay and Norway's Vipps have merged into a single company, Vipps MobilePay. You will see the Vipps MobilePay name on the corporate side of things and in some documentation.

For your customers in Denmark, nothing changes at the counter. The app is still called MobilePay, it still works the way it always has, and they still hold their phone to your terminal. The merger is about the company behind the two apps, not about how you accept a payment. If a supplier or a form refers to Vipps MobilePay, that is the same thing as MobilePay, just under the merged name.

What a shop needs to get started

Getting mobilepay i butik running is not a big project. Because it goes through the same acquiring agreement as your cards, the checklist is short.

• ✓ A registered Danish business with a CVR number.
• ✓ An acquiring agreement that includes MobilePay, so cards and MobilePay run together (this is what SEJR sets up).
• ✓ A payment terminal for the counter, if you sell in person.
• ✓ Online checkout or payment links, if you sell online or invoice.
• ✓ A business bank account for the settlement to be paid into.

That last point matters for how you frame this internally: SEJR handles the acceptance and the settlement to your existing bank account. A dedicated SEJR business account, card and credit are on the way, but you do not need them to start taking MobilePay and cards today.

The price is not a fixed list number. What you pay depends on your turnover and your mix of cards and MobilePay, so SEJR gives you a tailored quote rather than a headline rate, you can read how that works on our pricing page. The fastest way to a real figure is to send your latest settlement and let us read it through.

Frequently asked questions