MobilePay Terms and Conditions
May 19, 2026
In addition to the Payment Gateway Services Applicable Terms - Online Terms and Conditions ("Agreement") you shall be fully compliant with the specified requirements below:
- You shall not be on the restricted or prohibited list consisting of businesses with industry codes, MCCs, as specified in the table below, unless they receive special approval from Vipps MobilePay ("MobilePay").
- Complex merchant cases, e.g. escrow, super-merchant, sub-merchant setups, crowdfunding, sponsorships etc., require pre-approval from Shift4 and MobilePay and cannot be used for new integrations without guidance from Shift4.
- You shall have a company registration number in the EU/EEA or in other geographies as agreed between the Parties, in order to receive the service.
- You understand that payment by card via the service can be offered only in EU/EEA or in other geographies as agreed between the Parties (i) in the following languages: English, Danish, Finnish, Norwegian, Swedish or German and (ii) in the following currencies: DKK, EUR, NOK, SEK.
- You have been informed and understand that MobilePay and MobilePay Online is the property of MobilePay. MobilePay Online is not a payment service but rather a “pass-through digital wallet”, which enables End-users to easily convert the mobile phone number that the End-user has linked to the service to the card information that the End-user needs in order to pay with the card.
- You are informed and understand that payment via MobilePay Online is a card transaction that is processed as though the End-user had entered the card details directly on your website. MobilePay Online is not a payment solution. MobilePay is not a payment service provider. Settlement is carried out by Shift4. All transactions must be approved by the End-user.
- You may not accept payments via MobilePay Online for illegal activities, illegal purposes or morally reprehensible purposes.
- You may not charge recurring payments from cards used via MobilePay Online.
- You must inform your End-users that payment online via MobilePay Online takes place directly from the payment card that the End-user has linked to the service. If you cannot receive payments from the linked card, the End-user cannot use MobilePay Online.
- When receiving card payments via MobilePay Online, you have an obligation to follow Shift4’s rules and conditions for payments with payment cards in general.
- You understand that you must comply with all applicable laws as amended from time to time for e-commerce in relation to your sale of goods and provision of services, including but not limited to the rules on information requirements, marketing and processing of personal data, fraud, corruption and Anti-Money Laundering.
- You may not store data about the End-user in violation of applicable laws as amended from time to time.
- You have an obligation to comply with the current applicable laws on imposing charges on the End-users.
- You may not impose any charges for the use of MobilePay Online.
- You must retain transaction receipts in accordance with current legislation, and receipts must be retrievable in accordance with the Acquirer’s terms and conditions.
- You acknowledge and are aware that the transactions are monitored by MobilePay at the same level as card transactions are.
- You acknowledge and are aware that there may be special security measures or other requirements regarding MobilePay Online made by the authorities or by MobilePay and agree to abide by them.
- You understand that Shift4 must approve your technical setup.
- MobilePay Online service may be terminated without notice if requested by MobilePay, the authorities or the Card Scheme.
- The Payment Gateway Service may be terminated without notice if the Client is in default in respect of the Agreement. Default includes but is not limited to the following: a) you fail to meet your payment obligations under the Agreement; b) your payments are suspended; c) you initiate restructuring proceedings; d) you are declared bankrupt or subjected to another type of insolvency proceedings; e) you are subject to distraint or seizure; f) you do not comply with the legal rules that apply to the sale of the your goods or services; g) you do not immediately comply with any legitimate claims arising from objections from the End-users about goods or services; h) Shift4 or MobilePay receive repeated objections from the End-users; and i) you do not otherwise comply with the requirements stipulated herein.
- You understand that MobilePay has all rights to the MobilePay trademarks. You may not violate MobilePay’s intellectual property rights. Your use of the MobilePay trademarks may not create the impression that goods and services are sponsored, produced, offered, sold or otherwise supported by MobilePay or Shift4.
- The MobilePay Trademarks may be used only in the approved form and only in conjunction with online payments via MobilePay Online on the your websites. You undertake that the use of MobilePay’s trademarks meets the requirements, guidelines and standards approved and established by MobilePay. We and/or MobilePay may contact you at any time in order to ensure that the MobilePay trademarks are used in accordance with its instructions and standards.
- In case that you become aware of any activity carried out by third parties that may involve a violation of MobilePay’s interests and the MobilePay trademarks, you must immediately inform Shift4 in writing.
- You shall use MobilePay’s designations, logos and trademarks, as intended and in accordance with the instructions set out as amended from time to time in (download here: https://mobilepaygroup.com/design).
- You acknowledge that MobilePay’s designations and Trademarks are the property of MobilePay’s and shall acknowledge that all use hereof shall only be to the benefit of MobilePay.
- You shall ensure that the services under the MobilePay designations and the Trademarks will conform to and comply with the requirements and standards approved and provided by Shift4 and/or MobilePay.
- You shall seek the prior written approval of Shift4 for all matters pertaining to the marketing and advertising strategies and promotion of the service.
- You shall inform Shift4 immediately if you become aware of any claims or allegations from third parties that the MobilePay trademarks are invalid or that the use violates the rights of third parties.
- You may not transfer its rights or obligations under the MobilePay service to a third party without prior written approval from the Shift4.
- You shall allow MobilePay and/or Shift4 and/or their authorised representatives to access your premises at all reasonable times for the purpose of ensuring that the MobilePay designation and the Trademarks are used in compliance with MobilePay’s standards and instructions.
Prohibited or Restricted Clients
MobilePay Online is either restricted or prohibited for use of the below Merchant Category Codes (“MCC”):
| MCC | Description |
| 4829 | Money Orders, Wire Transfer |
| 6050 | Quasi Cash, Member Financial Institution |
| 6051 | Non-Financial Institutions – Foreign Currency, Money Orders |
| 6211 | Securities, Brokers/Dealers |
| 6529 | Quasi Cash, Remote Stored Value Load – Member Financial Institution |
| 6530 | Quasi Cash, Remote Stored Value Load – Merchant |
| 6534 | Quasi Cash, Money Transfer – Member Financial Institution |
| 7321 | Consumer Credit Reporting Agencies |
| 7801 | Government-Licensed On-Line Casinos (On-Line Gambling) |
| 7995 | Betting (including Lottery Tickets, Casino Gaming Chips, Off-Track Betting and Wagers) |
| 9222 | Fines |
| 9223 | Bail and Bond Payments |
| 9754 | Quasi Cash, Gambling, Horse Racing, Dog Racing, State Lotteries |
Regardless of the registered MCC above, the following products and/or services are prohibited or restricted: bitcoins, stock trade, crypto, binary options, gambling, betting, bonds, money transfers, streaming of porn, debt collection, pyramid schemes, pyramid business models, multilevel marketing, CBD Oil, drugs and other illegal goods and activities etc.
You shall have the obligation to inform Shift4 if you fall within any of the above listed MCCs or blacklisted services. If you fail to do so, it shall be deemed as a breach of this Agreement and you shall be held liable for any damages incurred by Shift4 as a result of such breach.
The above list of Prohibited or Restricted Clients may be amended by MobilePay from time to time.
Additional Terms for Restricted Clients:
A Restricted Client is a client that has the following MCC, or provides the following services and may use MobilePay Online services:
- Gambling - MCC:7995
- Crypto -MCC: 6051
In the event of a conflict with the above terms and conditions, these Additional Terms shall supersede.
By signing the Agreement, Client is acknowledging and accepting the following additional terms:
Gambling
1. Shift4 must obtain MobilePay’s prior written approval for each individual gambling Merchant before initiating any onboarding activities. For this purpose, you must provide Shift4 with the following information:
Company information, including full legal name and company registration number.
Your gambling license(s).
A description of your business, including a description of the verification of End Users and verification of disbursement account; a description of the products/services in which the Service is to be used; and estimated volumes and transactions via the Service.
A description of your transaction monitoring and other controls in place to prevent financial crime, including Anti-Money Laundering controls.
You are aware that MobilePay reserves the right, at its sole discretion, to withhold or deny or remove your approval, and Shift4 is not liable for such decision.
2. In order to receive the Service you must:
Hold a valid gambling license from a competent gambling authority within EU/EEA.
Only receive payments by card via the Service for gambling services in the following currency: EUR or DKK.
Comply with all applicable legislation, regulation and guidance at all times, relating to gambling services.
Use any required domestic strong e-authentication (“e-ID”) to verify the identity and age of End Users and to grant access to execute payments via the Service.
Only provide gambling services via the Service to End Users above the age of 18 years.
Ensure that no credit cards are used for the transactions.
Without undue delay notify Shift4 of any relevant remarks and/or orders from national, EU and/or international authorities and/or any relevant changes to your licenses or business descriptions.
Non-compliance with the above-mentioned requirements is deemed a material breach of the Agreement. We have the right to terminate your right to use the Service based on non-compliance.
3. Additional Fee: For transactions made by Finnish End-Users, an additional back-to-back fee set by MobilePay will be applied.
4. Termination:
If purchase/sale of online gambling is prohibited by law and/or is subject to separate regulation and/or intervention by public authorities, regardless of the nature or cause thereof, this supplementary Agreement will automatically terminate at the same point in time.
If your applicable gambling license expires, terminates or is otherwise revoked, and/or you are ordered to cease sales of online gambling and/or the acquirer agreement, the right to use the Service for gambling services will terminate immediately.
You will indemnify us and/or MobilePay for any loss, which we or MobilePay may incur as a result your failure to comply with these obligations
5. Any marketing and/or press release referencing the Service must be pre-approved by Shift4 in writing prior to publication.
Crypto:
1. Shift4 must obtain MobilePay’s prior written approval for each individual gambling Merchant before initiating any onboarding activities. For this purpose, you must provide Shift4 with the following information:
written documentation of your license or written documentation of your compliance with the requirements for non EU/EEA-licensed crypto as defined below,
notify Shift4 immediately if there are material changes to your licenses and/or authorizations,
Notify Shift4 without undue delay of any relevant remarks and/or orders from national, EU/EEA and/or international authorities relevant to you under this Agreement,
provide a copy of your White Paper as required by MiCA to Shift4 if your are licensed according to MiCA when applicable,
provide a business description in writing, which includes:
Your organisational structure
A description of the products/solutions in which you will use the Service
Estimated volumes and transactions with the Service
Description of transaction monitoring and other controls in place to prevent crime, financial crime, money laundering and sanction-evasion.
You are aware that MobilePay reserves the right, at its sole discretion, to withhold or deny or remove your approval, and Shift4 is not liable for such decision.
2. In order to receive the Service you must:
EITHER: hold a valid license as required by REGULATION (EU) 2023/1114 OF THE EUROPEAN PARLIAMENT AND OF THE COUNCIL of 31 May 2023 on markets in crypto-assets (“MiCA”) issued by the competent authority of any EU/EEA member state, where MiCA applies, with such license passported (where applicable) to permit operations in the territory where you provide services under this Agreement, and/or a valid license to issue financial services or payment services issued by a competent financial authority within the EU/EEA, and be established in EU/EEA, OR, if you do not have a license within EU/EEA, comply with the following requirements:
hold a valid license, registration, or authorisation to provide crypto asset services issued by a competent authority in the home jurisdiction,
be subject to ongoing prudential, conduct and anti-money laundering and counter terrorist financing supervision by such authority,
not be established in, nor operate from, a jurisdiction listed as high-risk or non-cooperative by recognized authorities, not be subject to any EU or UN sanctions and/or otherwise classified by Shift4 or MobilePay as high-risk.
implement safeguards against fraud and scams, and
have documented and operational controls equivalent to EU/EEA standard, including:
KYC/ODD procedures
Transaction monitoring
Sanction screening and PEP screening, and
Blockchain analytics or equivalent controls to detect suspicious crypto flows.
comply with the at-all time applicable legislation, including but not limited to crypto currency, AML, sanctions, data security, personal data and consumer protection, and
Must ensure that the service is not made available to individuals under 18 years of age and implement adequate age verification measures.
Non-compliance with the above-mentioned requirements is deemed a material breach of the Agreement. We have the right to immediately terminate your right to use the Service based on non-compliance.
3. Transaction Monitoring:
You are aware that we or MobilePay may block, suspend, or delay transactions where necessary to comply with legal or regulatory obligations or to mitigate fraud or financial crime risk.
Where feasible and not prohibited by law or regulatory obligations, we will provide the reason for such action.
Neither Shift4 nor MobilePay shall be liable for any direct or indirect losses incurred as a result of the blocking of a transaction in accordance with this clause, provided that such action was taken in good faith and based on reasonable suspicion.
4. Termination and Indemnification:
If purchase/sale of crypto is prohibited by law and/or is subject to separate regulation and/or intervention by public authorities, regardless of the nature or cause thereof, this supplementary Agreement will automatically terminate at the same point in time.
If your applicable crypto license expires, terminates or is otherwise revoked, and/or you are ordered to cease sales of crypto and/or the acquirer agreement, the right to use the Service for gambling services will terminate immediately.
You will indemnify us and/or MobilePay for any loss, which we or MobilePay may incur as a result your failure to comply with these obligations