Payment Anatomy
A Vipps MobilePay merchant payment
A mobile payment in a Norwegian store via Vipps MobilePay, routing through BankAxept or card rails to settlement.
Payment request to Vipps backend
Routes to BankAxept or Visa/MC
Auth request to issuing bank
Auth response (approved/declined)
Fun Fact
Vipps MobilePay has 4.4 million users in Norway (population 5.5M). Most payments route via BankAxept, the domestic debit rail that's cheaper than Visa/Mastercard.