Payment solutions

General information about payment solutions

There is no additional monthly cost or setup fee for our payment solutions. You only pay transaction fees for the orders placed. 

We recommend setting up Klarna's payment solution as early as possible, you can then choose to offer your customers both Klarna and Vipps at Klarna's checkout.

We also offer PayPal that can be integrated into Klarna's checkout.

Klarna

Process

Before you start the application process, you must have the following points set up correctly and visibly on your store.

• Organisation number
• Company name
• Registered address
• Contact
  • Telephone number
  • Store email address
• Terms of sale
• Privacy

In the picture below you see what the bottom line should contain for the fastest possible treatment of Klarna.

How to adjust the bottom line of the various templates

New York, Tokyo, Europe, America

The application process for Klarna has several steps, processing time largely depends on how well the preparatory work has been done before the agreement is submitted.

When you activate your store on Mystore and either have the package Start, Smart or Plus, we will initiate the application from our side.

Then we send the necessary information to Klarna so that the application is started.

On the front page of the control panel you will then see the status of the application and it will stand at 20%.

1. Then you need to press "To the form" and fill in the necessary information.
2. A few days after filling out this form, the application will be updated and you will need to fill in the AML form, see the necessary documentation
3. If all information is filled in correctly, this should be the only step, if error messages appear, please contact customer support.

Once you have submitted your application, Klarna will process it as quickly as possible, the average processing time is 1-2 weeks as long as all documentation is properly submitted.

How can I check the status of my application?

In your control panel you always have an updated status of your application. Here you will get information about whether Klarna is processing the application, or if they need more information from you. Klarna will then contact you at the email address provided when the application was submitted.

By pasting /control panel/ml/onboarding/klarna/v3/widget after your domain name.

For example (www.mystore.no/kontrollpanel/ml/onboarding/klarna/v3/widget) you will get access to the current status of the application in Klarna's systems. 

Required documentation

In the application process, Klarna will require the following documents from you:

• AML form

The Anti-money Laundering form is required by acquirers as an additional step in the onboarding process and is required as an additional security measure to prevent the acquirer agreement from being used for money laundering.

This form must be submitted no later than 14 days after it has become available in your control panel.

If the link to the form has disappeared, you can find this within 14 days by pasting the link /control panel/ml/onboarding/klarna/v3/widget into your browser. 

e.g. (www.mystore.no/kontrollpanel/ml/onboarding/klarna/v3/widget)

In addition, you must log in with BankID from the person with the right to sign at Klarna.
We reserve the right that Klarna may require additional documentation in the application process.

Transaction fee

The transaction fees for Klarna follow your basic package in Mystore, i.e. it is the Start, Smart and Plus packages that determine which transaction fees you end up paying.

Here you can see a full overview of our basic packages.

Order

If you have not received the application when activating the store, Klarna can be ordered in our app store or by contacting our customer support at: kundeservice@mystore.no

Then you will get an email with a tutorial on how to proceed.

Payments

Klarna makes weekly payments to customers. Payments are normally made every Monday.
Klarna's payout reports can be found by logging in to your Klarna portal: https://eu.portal.klarna.com/

Related Help Articles

Below you will find all articles about Klarna

• How does the onboarding work towards Klarna V3
• Klarna subscription
• Error messages against Klarna/Vipps
• Upgrade to Klarna V3
• Retrieving API keys for Klarna payments
• Orders in the webshop do not match information registered with klarna
• Can I sell products abroad with your solution?

Vipps

Process

To get Vipps as a payment solution in the store, you then submit an application via Vipps' pages, see order.

Once you have submitted your application, Vipps will process it as quickly as possible, the average processing time is 1-2 weeks as long as all documentation is properly submitted.

When the application is approved, you will receive an email from Vipps that the application has been approved and we will help you enter the keys you receive from Vipps.

It is the same application process whether you want Vipps in the online store or PoS (cash register system).

Required documentation

In the application process, Vipps will require you to log in with BankID from the person with the right to sign.

We reserve the right that Vipps may require additional documentation in the application process.

Transaction fee

The transaction fees for Vipps follow your basic package in Mystore, i.e. it is the Start, Smart and Plus packages that determine which transaction fees you end up paying.

Here you can see a full overview of our basic packages.

Order

Step 1: Go to https://portal.vipps.no and log in with BankID

Step 2: Go to https://portal.vipps.no/register/{your company registration number}
NB. Remember to replace {your VAT number} with your own org.nr.

Step 3: Fill in your business information
Important! Remember to choose Mystore.no as a partner in the application process.

Step 4: As soon as the application has been processed, you can send the integration keys to kundeservice@mystore.no (these can be found in the Vipps portal under the "developer" tab).

You can check the status of your Vipps application directly in the Vipps portal.

We need the following to set up the integration

• Merchant serial number
• client_id
• client_secret
• Vipps-subscription-key (Primary)
• Vipps-subscription-key (secondary).

Copy and forward the keys to kundeservice@mystore.no.

NB! A screenshot will make it difficult to ensure that the information entered is correct. Therefore, copy and paste in text format.

Payments

Vipps makes daily payments to you. The payments are normally made with a one-day delay, i.e. what you sell for on Monday is paid out on Tuesday.

Vipps' payout reports can be found by logging in to your Vipps portal:

https://portal.vipps.no/

Related Help Articles

Below you will find all articles about Vipps

• Error messages against Klarna/Vipps
• Frequently asked questions about Vipps
• Credit and change Vipps orders

Adyen

Process

To get Adyen as a payment solution in the store, you then submit an application via our control panel, to get a link to the application then contact sales or customer support.

This application requires ID, certificate of registration and bank statement from a person with the right to sign, see required documentation.

Once you have submitted your application, Adyen will process it as quickly as possible, the average processing time is 1-2 weeks as long as all documentation is properly submitted.

When the application is approved, you will receive an email from us stating that the payment solution is ready for use.

It is the same application process whether you want Adyen in PoS (cash register system) or Mystore card payment at the online store.

Required documentation

During the application process, Adyen will require the following documents from you:

• ID of the person with the right to sign for the company (Passport or both sides of driver's license)
• Certificate of registration (Can be obtained from Altinn)
• Bank statement from online banking (This must be your company's account)

Here we have created a help article that shows what the documents must look like and what must be shown in order for them to be approved.

Transaction fee

The transaction fees for Adyen follow a dynamic model based on how much revenue you have per month.

The transaction fees are as follows:

You can download the price list here.

Order

If you want an acquirer agreement via Adyen for your POS system, you must notify the seller or customer support.

Then you will receive an email with a guide for further process.

Payments

Important information about the first payment

Since the main focus of us and acquirer is to get the deal up and running as quickly as possible, it can take up to 3 weeks before you receive the first payment from the acquirer Adyen. This is because the setup of the connected account number takes somewhat longer than the other processes. 

The reason why setting up the account number takes somewhat longer is that Adyen has very strict routines for verifying that the account number belongs to the correct company. This is necessary so that they can ensure that the money is paid out to you and not someone else by mistake.

Which company is responsible for payments?

You have an acquirer agreement with our partner Adyen.

Adyen is a fast-growing Dutch company with Spotify, Elkjøp and Ebay among others on its customer list. More information about Adyen can be found on www.adyen.com/about

When is the money paid out?

Adyen makes daily payments Monday through Friday with a delay of 2-3 business days. This delay is due to the fact that the transactions to Visa and Mastercard are not fully processed for approximately 2 business days.

In practice, this means that a sale made on Monday is paid out the following Wednesday or Thursday. During the weekend and bank holidays it will take somewhat longer and a purchase made on Thursday will be paid this coming Monday or Tuesday. 

Payout reports
When the money from the acquirer is paid out, detailed payout reports will appear in their control panel. 

Reports > Data Box > Payout Reports. These reports include, among other things, their transaction records. 

Example of a payout report

Related Help Articles

Below you will find all articles about Adyen

• Payout report - cash register system
• Tips and tricks when applying for an appointment with Adyen (Datakasse and ECOM)
• Assistant guide for Mystore POS system