Initially, the login id was either the CPR-number (national id number) or the more secure NemID, but since 2023 either NemID or the similar MitID (using CPR-number is no longer possible). The application is protected by a user-selected four-digit PIN code or a fingerprint. There are no fees for private MobilePay accounts. The funds are then transferred to this account, while the amount is deducted from the sender's credit card. Money transfers are performed by entering a mobile phone number which is registered in the system.

By downloading this application, users are required to connect a credit card and account information to their mobile number.

Payments can be made to friends, smaller physical shops, supermarkets and larger chains, recurring payments, ecommerce and mcommerce and donations. MobilePay is a digital wallet covering all payment needs. MobilePay is an application for phones with operating systems iOS and Android. MobilePay is a member of the European Mobile Payment Systems Association. In 2022, MobilePay merged with Vipps of Norway to form Vipps MobilePay, but they maintain their separate brand names in each country. As of 2022, MobilePay had more than 4.4 million users in Denmark (total population: 5.8 million) and more than 2 million users in Finland (total population: 5.5 million). It was introduced to Finland later in the same year and since 2017 it has been used by all banks in Denmark.

The service allows payments by means of a smartphone application and was first introduced in 2013 by Danske Bank. MobilePay is a mobile payment application used in Denmark and Finland.

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