Mobile Crediting

Overview

Welcome to Mobile Crediting, the innovative new offering from MX Telecom.

MX Telecom's crediting solution allows partners to offer monetary credit to both pre- and post-pay users on all UK mobile networks. The amount added can be used by consumers in exactly the same way as any other form of top-up and appears as either additional pre-pay funds or on a contract user's monthly bill.

MX Telecom were first to market with this exciting new addition to the mobile payment space, trialling an on-pack crediting promotion with a large FMCG company in July 2009. The potential of crediting is as far reaching and dramatic as mobile payments, from innovative new marketing campaigns and promotions through to end user refunds for high profile voting.

Please see below for a list of frequently asked questions about crediting, else for more information please contact us.

• How does it work?
• Does it work for everyone?
• How much can I credit?
• When will the credit be applied?
• What does it cost?
• Can I use credits to refund?
• Can I credit a specific number of text messages or voice minutes to the user instead of a monetary value?
• Do I have to pay for credits in advance and can limits be imposed to prevent misuse?
• How will I know if the credit has successfully been applied?
• Where can I view statistics for crediting usage?
• How will this appear on a user's phone bill?
• How does the user know they have received a credit?
• How long does it take to launch a service?

How does it work?

Applying credits is easy: partners integrate with MX Telecom's Charge To Account Gateway and make crediting requests via our simple HTTP API. MX Telecom takes care of the rest.

Does it work for everyone?

Credits can be applied to users on all major UK networks, regardless of handset type and for both pre- and post-pay users.

How much can I credit?

The amount you can credit varies from network to network. Longer term, crediting is likely to evolve much like mobile billing solutions such as Payforit and Premium SMS, with all values up to £10 supported initially and the potential for higher amounts further down the line.

When will the credit be applied?

Credits can be applied in real-time on most networks.

What does it cost?

Credits cost the amount credited plus a percentage handling fee. This fee varies from network to network and discounts will be available for larger volumes of credits applied.

Can I use credits to refund?

Crediting is the perfect way to refund end user transactions, including those made via Premium SMS, Payforit, or via any Premium Rate voting.

Can I credit a specific number of text messages or voice minutes to the user instead of a monetary value?

Currently crediting only supports giving users a monetary value of credit which can then be spent on anything they choose.

Do I have to pay for credits in advance and can limits be imposed to prevent misuse?

All credits must be pre-paid before they can be applied to end users. Accounts can be configured with limits on a per MSISDN basis over a variety of time periods e.g. daily, weekly or monthly.

How will I know if the credit has successfully been applied?

MX Telecom's Charge to Account Gateway notifies Partners of successful receipt of the Crediting request and the Credit outcome via an HTTP API. Please note that although a successful outcome may be provided by a network, post-pay users on certain networks will not have the credit applied until their next bill.

Where can I view statistics for crediting usage?

Initially, your pre-paid credit balance will be accessible via an HTTP API, with email alerts available when the balance drops below a configurable threshold. In future, the credit balance along with traffic logs and aggregate reporting will be available via our Partner Centre.

How will this appear on a user's phone bill?

This varies between networks. Some permit a per-Partner string but in some cases a generic value such as 'Credit' may be used.

How does the user know they have received a credit?

Best practice is to send the end user a text confirming that a credit has been applied. This may be mandated on certain networks to optimise the end user experience and can be easily implemented.

How long does it take to launch a service?

Prior approval is required for services on certain networks, with a lead time of up to four to eight weeks. Other networks can be provisioned in one week.

About MX Telecom MX Telecom is a leader in wireless technology. MX Telecom offers an easily accessible gateway to data, voice and video messaging services including 2-way and premium SMS, multimedia messaging, interactive voice response, location-based services, video short codes, Internet and TV related solutions. For more information, MX Telecom can be reached on 0845 666 7778, or via email at sales@mxtelecom.com.