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Nets explains payments

How do I accept mobile payments

How do I accept mobile payments?
Published: 09.06.2023
N/A minutes read

In the Nordics, mobile payments are now the second most used payment method, with only card payments being more popular. We’ve become used to contactless payments, therefore the shift from card payments to mobile payments isn't as big a step for consumers. Due to consumers’ increased use, you’ll have more and more customers paying using their phone. In this article we’ll explain the use of mobile payments both in physical and online stores and illustrate the various types of mobile payments.

Mobile payments in physical stores

It's estimated that mobile payments and payments using smartwatches already account for 12-15% of payments in store. Therefore, it’s an advantage for you to accept payments with wallets. A wallet is an app that works like a digital wallet, where you add your payment cards. The good news is that because your terminal can accept contactless card payments already, it's also able to accept mobile payments. So, when your customers ask if they can pay with their phone, you can answer - yes of course! Because mobile payments with wallets like Google Pay and Apple Pay use the same technology (NFC) which is used for contactless payments with payment cards, mobile payments will work smoothly.

Mobile payments on webshops

A lot of people shop directly from their mobile phones. Therefore, it can be an advantage for you if your customers can pay with wallets on your webshop. This way, they don't have to leave the purchase flow to find their physical wallet and end up not completing the purchase.

If you don't accept mobile payments on your webshop today, you should check with the provider of your payment module (your PSP) and ask them if it can be added.

If your payment provider is Nets, you can contact us.

Which are the most popular wallets on the market?

Apple Pay

Apple Pay is Apple's payment solution. If your customers have either an iPhone or Apple Watch, they can use Apply Pay in your store.

Google Pay

Google Pay is working on Android mobiles and on Google Smartwatch for payment, without requiring your customers to locate their physical payment card.

Samsung Pay

Samsung Pay is the payment solution available on Samsung phones. In the Nordics, Samsung Pay is only launched in Sweden, but is being launched regularly in new countries. If you have foreign customers in your store, you may find that payments are made using Samsung Pay.


MobilePay is different from other wallets and depends on whether you have a physical store or a webshop. If you have a webshop and your customers pay using MobilePay, the payment will function like a card payment. If you accept MobilePay in a physical store, it works differently and here the payment will be an account-to-account payment.


Vipps is a local Norwegian wallet. It works differently than most wallets and depends on whether you have a physical store or a webshop. In a physical store, Vipps functions exclusively as payment with BankAxept when the customer uses QR in the terminal. If Vipps is integrated directly with the store's systems, both online and in a physical store, the customer can choose whether the payment should go through as an account-to-account payment or card payment.


Swish is a local Swedish wallet. When a Swish payment is approved by the customer, the transaction takes place in real time between bank accounts in the Swish network.

Security when using mobile payments

You don't have to worry about security when your customers pay using their mobile.

Wallets like Google Pay and Apple Pay are just as secure as payments cards. Neither PIN nor card information is stored on the phone, so fraudsters can't exploit or misuse your customers' payment cards. Google Pay and Apple Pay require security clearance when paying, where you either enter the code of your choice, use fingerprints or face recognition. If a phone is stolen, Google Pay and Apple Pay can't be used without security clearance.

In-app payments

If you have a relatively large store, in-app payments might be relevant for you.

An in-app solution makes it easier for your customers to shop in your store using their mobile, as the solution is adapted to mobile, and your customers can therefore easily and quickly pay with their favourite card or wallet. Are you interested in a payment solution from Nets? Browse our selection.

Louise Fibiger Ravnkilde
Louise Fibiger Ravnkilde
Senior Digital Content & Communications Manager, Nets A/S