Payouts and settlements
After a payment is captured, Vipps MobilePay batches your transactions and transfers the funds to your bank account through a settlement process. This section explains how that process works, how to read your bank statement, and how to trace individual payments back to a specific bank transfer.
How settlements work​
- Settlements – Understand the full settlement process: payout schedules (daily, weekly, or monthly), how long transfers take, how to read your bank reference text, and how to find which payments make up a specific bank transfer.
Key concepts​
| Term | Description |
|---|---|
| Capture | Confirms a payment and makes it eligible for settlement. Funds are not moved until a payment is captured. |
| Settlement | The process of batching captured payments and calculating the amount owed to you for a settlement period. |
| Payout | The actual bank transfer from Vipps MobilePay to your account — one lump sum per sales unit per settlement period. |
| Settlement report | A file containing the details of every payment included in a payout, available via the Report API or the business portal. |
Settlement timeline​
The time from capture to money in your bank account depends on your settlement frequency and your bank's processing times. For daily settlements, a typical timeline is:
- Day 1 — Payment is captured.
- Day 2 — Settlement is calculated at midnight and settlement data is made available.
- Day 3 — Payout is sent to your bank. Your bank may book it on the next banking day.
See Settlements for full details, including weekly and monthly schedules.
Need help?​
If you have questions about a specific bank transfer or payout, visit the business portal to view your settlement reports, or check our contact page for support options.