Getting Started Guide Vipps via Netaxept

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1 Getting Started Guide Vipps via Netaxept Version 1.2 Table of contents Vipps via Netaxept... 2 Business features and restrictions... 2 Payment flow... 3 Setting up Netaxept for use with Vipps... 6 Activation of payment method... 6 Requirements for API integration... 6 Receiving settlements and identifying transactions... 8 Settlement batch and transaction reference number... 8 Identification of transactions... 8 Pricing

2 Vipps via Netaxept Vipps is a mobile payment solution launched by DNB. With Vipps through your Netaxept integration you can allow your customers to pay their purchases with their payment cards via Vipps app in your webshop. This document guides you through the process of activating and implementing Vipps as a payment method via Netaxept. Please forward this guide to the party responsible for the technical API implementation at your webshop, if necessary. For any issues concerning the activation or implementation of Vipps via Netaxept, please contact your contact person at Nets or Netaxept Customer Support for your country Business features and restrictions The following features and restrictions take place when using Vipps via Netaxept. ID Feature / Restriction 1 Targeted to Norwegian consumers, which need a Norwegian phone number to use the service. 2 Additional paid payment method that is available for webshops, not for merchants using only call centre service. 3 Supported payment cards for consumers are Visa and Mastercard. The prerequisite is that you have made an acquirer agreement with the acquirer who accepts payments with the particular payment card. 4 Supported payment currency is NOK. 5 Recurring payments for Vipps via Netaxept are not supported. 6 Besides making Netaxept agreement and acquirer agreement for Visa and/or Mastercard, you need to sign up with Vipps to get the merchant serial number for using Vipps. 7 Available for consumers whether or not they are customers at DNB. 8 When paying with Vipps, 3D Secure authentication is bypassed and all payments are considered and marked as non 3DS authenticated. 9 Card data which is needed to be able to shop online via Vipps is stored safely and according to PCI DSS (Payment Card Industry Data Security Standard) requirements in Nets. Any card data is not saved in the consumer's mobile device or DNB. Nets Netaxept is both acting as the card vault and a payment service provider in this service, but this guide is focused on the merchant facing PSP service. 2-9

3 10 Payments done via Vipps are considered and processed as regular card payments, and as such, all the same rules and possibilities apply. For example: The payment can be captured after the product or service has been delivered to the consumer or there is certainty regarding its delivery. The authorization is valid the same length as regular card authorizations, i.e. depending on Issuer rules. The authorization is put on the underlying card. The same liability shift rules apply than with regular card payments. Payment flow The prerequisite is that the consumer has downloaded the Vipps app in their smartphone and added there one or more payment card(s) that can be used for payments via Vipps when shopping online. Besides card data, mobile phone number needs to be registered into the app and the consumer needs to approve which card(s) they want to use for online payment purposes. 1. When the consumer is shopping online and is moving to the payment phase, send the Register call to Netaxept. Depending on your technical API implementation, the payment method will be selected either in your webshop site or in Netaxept payment window. If the consumer chooses the payment method in your webshop site, include "Vipps" in "Payment method action list" or "Payment method list" element in the Register call. If the payment method is selected in Netaxept payment window, the "Vipps" option is shown in the payment window together with the other payment methods. 2. After choosing "Vipps", Netaxept asks for the consumer s mobile phone number which is registered in the Vipps app. 3-9

4 3. After entering the mobile phone number, a push message will be sent to the consumer's smart phone to get a confirmation of the payment. The consumer has 4 minutes to confirm the payment in the Vipps app. 4. The consumer logs in to their Vipps app and approves the payment by pressing the "Pay" button. 5. During the approval process, Netaxept authorizes the payment automatically. If the authorization is accepted by the Issuer, the consumer receives a receipt in the Vipps app showing the approval of the payment. Please note that this is not, however, an official receipt. The consumer should receive the official receipt from your webshop as they normally do. 6. The payment is now authorized and shown authorized also in Netaxept. When the order has been delivered to the consumer or there is certainty regarding its delivery, you need to run capture to the payment either via Netaxept API by doing the Process(Capture) call or manually via Netaxept Admin. After the capture is done, the order amount is withdrawn from the consumer's payment card linked to the Vipps app and settled to your company s bank account in the same settlement batch file and within the same timeframe as your regular card payments. 4-9

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6 Setting up Netaxept for use with Vipps Activation of payment method First you need to sign up with Vipps to get the merchant serial number. Please find more information about Vipps and its sign-up process at Nets website. Go to and scroll down to find the Vipps related information. After you have received the merchant serial number for Vipps, you can activate Vipps as a payment method in Netaxept Admin. The merchant is responsible for activating the payment method and ensuring that all information entered is correct. ID Requirement 1 Log in to Netaxept Admin by using the merchant ID and login password. Production environment: Test environment: 2 Go to "Options" => "Agreement" page. 3 Pick "Vipps" from the drop down list and click "Add". 4 Select NOK as currency, and enter the VippsID you have received when registering with Vipps to the field Merchant serial number. 5 Click "Add". Requirements for API integration If you have a working Netaxept API integration already, you may need to do some small adjustments to your API integration towards Netaxept to be able to take Vipps in use in your webshop. To be sure everything works as expected check the following technical requirements before going live with Vipps. If you don t have any Netaxept API integration yet, please visit our technical site at for more information about the general API integration. ID Requirement 1 If you use "Payment method action list" or "Payment method list" in the Register call, then payment method name "Vipps" needs to be added inside this element. This element is used if the payment method is selected in your webshop site or if you have wanted to define the order of the payment methods shown in Netaxept's payment window. 2 On Vipps transactions, Netaxept triggers AutoAuth for the transaction, therefore, you don t need to run the Process(Auth) on Vipps transactions after the successful registration and Terminal phase. When you want to capture the payment, run the Process(Capture) call. Also, you can cancel the authorization by doing the Process(Annul) call if the purchase is cancelled already before the payment is captured. 3 If you already have a working Netaxept API integration for card payments, you have been used to run either the Process(Auth) or the Process(Sale) after the successful registration 6-9

7 and Terminal phase. To be able to implement Vipps without changing this integration, the following workarounds have been done in Netaxept when Vipps is in question: If you send the Process(Auth) call, then Netaxept ignores a repeating AUTH. If you send the Process(Sale) call, then Netaxept runs a CAPTURE instead. If you send AutoSale in the Register call, then Netaxept runs a CAPTURE instead. However, we recommend you to implement Vipps in your webshop in a correct way without the need of the workaround if possible. 4 Both full and partial refunds, meaning the Process(Credit) call, are supported. 5 In order to verify that the transaction is authorized successfully, we recommend you to implement the Callback function and the Query call as part of the payment process. Through the Callback, you will receive a transaction ID whenever the transaction has a new status. Based on this, you can do the Query call to get the new status and detailed information about the transaction. 6 Vipps is not supported in Single page terminal. 7 Vipps can be tested only in production environment due to lack of test environment for Vipps in DNB. I.e. you need to use your production merchant and own smart phone and payment card for testing purposes. 7-9

8 Receiving settlements and identifying transactions Settlement batch and transaction reference number Payments done via Vipps will be processed as regular card payments in Netaxept, and therefore these will be included in the same settlement batch files as the other card payments. Also, because payment via Vipps is equal to card payment, the timeframe when the money is settled into your company's bank account will be the same as for regular card payments. Specifying a unique reference number for each Vipps transaction works in a same way as with the regular card payments. That is, by sending the parameter TransactionReconRef and its value along the Register call to Netaxept. However, it should be noted that as with the regular card payments, the actual support for end-to-end transaction reference number is bound by the limitation of the acquirer that you have an agreement with. Identification of transactions Vipps transactions can be identified both in Netaxept Admin and via API by using the Query call. Netaxept Admin In Transaction list you will see Vipps logo next to the transaction done with Vipps. In Details page you will see both Vipps logo and the logo of the underlying card. In Advanced transaction search section, you are able to search payments done with Vipps by selecting Vipps as a payment method. In the Query call, there is the Wallet element that contains Vipps if the payment has been done via Vipps. The underlying card is shown in the CardInformation.PaymentMethod and CardInformation.Issuer. <CardInformation> <Issuer>MasterCard</Issuer> <IssuerCountry>NO</IssuerCountry> <MaskedPAN>541300******0000</MaskedPAN> <PaymentMethod>MasterCard</PaymentMethod> <Wallet> <Issuer>Vipps</Issuer> </Wallet> 8-9

9 Pricing Vipps is additional paid payment method in Netaxept. It means that Nets will invoice the following fees as an addition to the regular Netaxept monthly and transaction fees from you. The monthly fee for each month you have Vipps active in Netaxept Admin. The transaction fee for each successful Vipps transaction. Unless otherwise agreed between Nets and the merchant, the fees will be charged in accordance with the price list in force at each time, or as stated in the Netaxept Admin s Agreement page. The fees will apply only to payments done in Netaxept production environment, not in Netaxept test environment. Also, unless otherwise agreed with your chosen acquirer, because payments done via Vipps are considered as regular card payments, the acquiring prices remain the same. 9-9