MobilePay for Club Sales: What the Treasurer Needs to Know

In Denmark the question is never "how will people pay". It is MobilePay. Everyone has it, everyone trusts it, and for a club fridge it removes the cash box in one move.

That does not mean every MobilePay setup is a good one for a club. A few things to get right before the number goes on the door.

Do not use a person's number

The most common club fridge setup is a laminated sheet that says "MobilePay 12 34 56 78, Karin". Karin is the treasurer, and Karin's private account now receives the club's income.

This is a problem in three ways. The club's money is mixed with Karin's, so the accounts are only as clean as her memory. When Karin steps down, every sheet on every door has to change. And a personal account receiving hundreds of small payments a month can trip the bank's own questions about what the money is.

The club is a legal entity. It should be paid as one.

Use the club's own MobilePay

MobilePay offers accounts for associations and businesses. The club gets its own number, payments land in the club's bank account, and the treasurer can export a statement rather than scroll through a personal app. Whoever holds the role next year inherits the account, not a phone.

Setting it up takes some paperwork: the club's CVR number, the bank account, and a signature from whoever the statutes say can sign. Do it once and it is done.

The fee is real, and that is fine

A club account pays a small fee per transaction. The exact amount depends on the agreement, and it is worth reading, but for a fridge selling cans at 12 kroner it is a fraction of the margin. Build it into the price when you set the fridge prices and stop thinking about it.

What you should not do is add a "MobilePay fee" line to the price list. Members read that as being charged for paying, which is the fastest way back to "I will pay you later".

The number is not enough on its own

Here is the part that catches most clubs. A MobilePay number on the door solves how people pay. It does nothing about what they paid for.

The treasurer opens the statement and sees "Jonas, 24 kroner, Saturday". Two colas? A cola and two bars? A Friday soda he forgot and is paying for now? Nobody knows, so nobody knows what stock should be left in the fridge, so nobody knows whether the fridge is losing product.

Match every payment to a sale

The fix is to pay for a specific basket rather than a number on a wall. With Bippa the buyer scans the barcodes of what they take, the app totals it up at the club's prices, and the MobilePay payment is for that exact basket, to the club's own account. The treasurer sees a sale: what, when, how much. Stock goes down by what was actually taken. The statement and the ledger say the same thing.

Bippa never holds the money and never takes a cut of the sale. MobilePay's own fee is the only fee, and the club pays a flat monthly price for the app if it wants the paid plan. What the fridge earns is the club's.

Update, October 2026: MobilePay is renamed Vipps on 12 January 2027. Nothing in this guide changes with it, and here is what the rename means for a club.