Payment Portal & MobilePay: The Modern Debtor Experience
Sending a reminder email is only half the job. If the customer has to look up your bank account number, type in a reference, and initiate a transfer from their bank app, most of them will 'deal with it later' — and later becomes never. A branded self-service payment portal with MobilePay changes the equation entirely. One click, one tap, paid. Here's why every Danish SME should offer one, and how to set it up in 5 minutes.
The friction problem with bank transfers
The traditional Danish payment method for B2B invoices is konto-til-konto bank transfer. The customer needs to: log into their bank app, select 'new payment', type in your registration number (4 digits) and account number (10 digits), copy the payment reference, type the amount, confirm. Six steps, each an opportunity to abandon. For small amounts (under DKK 2,000), customers often defer rather than bother. Our data from Danish Sitenyx customers shows that invoices with bank-transfer-only instructions have a 45% payment rate on the first rykker — while invoices with a one-click payment portal have a 72% rate.
MobilePay: Denmark's preferred payment method
MobilePay is used by more than 4.5 million Danes and supports transfers up to DKK 50,000 per transaction. For B2C and smaller B2B invoices, it's the fastest and most familiar option. A MobilePay payment link can be embedded directly in your rykker emails, so the customer taps once in their email client, authenticates in the MobilePay app, and the debt is settled in under 10 seconds. Sitenyx integrates with Vipps MobilePay ePayment API v1 and handles OAuth token exchange, idempotency keys, and settlement webhooks automatically. You just register your merchant account and the platform does the rest.
Cards and bank transfer for larger amounts
For B2B invoices above the MobilePay limit, the portal also offers: Stripe card payments (Visa, Mastercard, AmEx) with automatic fraud detection; traditional bank transfer with pre-filled registration/account numbers and a unique reference that auto-matches on reconciliation; and in some cases PayPal or Klarna. The portal shows all enabled methods on one page, the debtor picks their preferred, and the payment is initiated. All methods settle the same way: through your Sitenyx-managed webhook handler that updates the invoice status and triggers downstream actions automatically.
Branding: it looks like YOUR portal, not Sitenyx
The payment portal carries your company's branding, not Sitenyx's. You configure: company name, logo, primary brand colour, welcome message, and the bank details for any manual transfer fallback. When the debtor opens the portal, they see 'Pay your invoice to Acme ApS' with your logo and colours — not a generic Sitenyx page. This matters for trust: debtors are much more likely to pay a portal that looks like it came from the company they owe, rather than a third party they've never heard of. Branding setup takes 2 minutes in Sitenyx Settings → Payment Portal.
Security and compliance
The portal uses public, cryptographically random tokens (per invoice) for access. There's no login — the debtor just needs the unique link from their reminder email. Each token has a configurable expiry (default 30 days) and a 1-time-use option for sensitive cases. All payment provider credentials (MobilePay, Stripe) are encrypted with AES-256-CBC in the database and decrypted only at the moment of payment initiation. PCI compliance is handled by Stripe (you never touch card data), and MobilePay settles directly to your bank account. Full audit trail per payment is stored for Bogføringsloven's 5-year retention requirement.
Conclusion
A payment portal is the single highest-ROI addition any Danish SME can make to their debtor management. Five minutes of setup, then every invoice becomes one click away from paid. The 25%+ improvement in first-rykker payment rates translates directly to lower DSO, better cash flow, and less stress. If you're still asking debtors to type in your account number, you're leaving money on the table every week. <a href="/business-tools/debtor-management">Enable your payment portal →</a>
Ofte stillede sporgsmol
Do I need separate MobilePay and Stripe accounts?
Yes. You register merchant accounts with both providers, then paste the API credentials into Sitenyx Settings. Both providers have free merchant accounts for Danish businesses (no monthly fee, just per-transaction). Setup takes about 1 hour total including verification.
What happens if a debtor disputes a card payment?
Stripe chargebacks are handled through the standard Stripe dashboard. Sitenyx logs the dispute and pauses any inkasso workflow on that invoice until resolved. You can upload evidence directly through the Sitenyx dispute module.
Can I disable specific payment methods per invoice?
Yes. The Sitenyx Payment Portal Config lets you globally enable/disable MobilePay, card, and bank transfer. You can also override per-invoice via the API if needed — for example, forcing bank transfer for very large B2B invoices where card fees would be high.
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Why every Danish SME should offer a branded payment portal with MobilePay, cards and bank transfer — and how it improves collection rates by 25%+.
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