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What does 'reservert' mean in Vipps?

Reserved payments, how long they last and hidden balances.

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Short answer

In Vipps, 'reservert' means the money for a purchase is held in your account but not yet taken by the business. By regulation, a shop may not capture the payment until the product or service is ready to be delivered. If the order is cancelled, the business can release the reservation at once.

Digital payments in Norway a payment card tapping a terminal, a phone with a simple payment icon and one krone coin

Why

  1. Vipps MobilePay's developer documentation states that, by regulation, a business must not capture a payment until the product or service is ready to be delivered.
  2. Reserve capture is the default, so a payment goes into the reserved state once you approve it, and the money only moves when the business captures it.
  3. In the Norwegian market a reservation can last up to 180 days, but banks often release it earlier: usually 5–7 days for Visa, 30 days for Mastercard and 7 days for BankAxept.

Details

Direct capture, where the money is taken at once, is meant for cases where the product or service is delivered immediately. Once a payment is captured, the transfer to the business can take a few days depending on the bank. If you cannot see your balance in Vipps at all, switch on Se saldo under Kontoer og kort: all Norwegian banks support it except Nordea and Næringsbanken.

Tip

If a reservation stays after an order was cancelled, contact the business first, since it is the business that releases the reservation.

People also ask

  • Why does it say reserved in Vipps?
  • Why is my Vipps balance unavailable?

Sources

This answer is for reference only. Features and fees in Vipps can change, so check the Vipps help pages before you rely on them.

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