Vipps MobilePay

Norway

Vipps started as a project of DNB in Norway and MobilePay as a project of Danske Bank in Denmark. The two merged in 2022 into a single Nordic company headquartered in Oslo, and Finland's Pivo came in with the deal. Like the other schemes on this list, Vipps MobilePay is bank-owned and regulator-supported infrastructure, not a fintech startup.

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European payment alternatives

No single European app will replace Visa and Mastercard. Instead, BLIK, Wero, Bizum and the other national schemes are linking up. A payments insider explains what already works.

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