Mobile Purchasing with Payforit

Overview

Welcome to Payforit, WAP and web billing solutions provided by MX Telecom.

Payforit is a cross-network initiative providing a uniform user experience for the swift purchase of goods and services billed directly to your mobile phone. An intelligent billing mechanism directly connects to consumers' mobile phone accounts, allowing purchases to be completed without submitting any payment details.

Payforit is available for all online and WAP purchasing, both via the mobile web and the traditional internet.

Payforit is bringing mobile payment into the 21st century. MX Telecom can provide the most appropriate billing solution for any particular service; whether that solution is Premium SMS, Payforit, or a combination of the two.

• About Payforit
• The Payforit experience
• Benefits of Payforit
• Unique MX Telecom benefits
• MX Telecom and Payforit
• Payforit demonstration
• Technical information
• Account setup

About Payforit

Payforit improves consumer confidence in mobile commerce by:

• Providing a quality uniform payment experience, regardless of the WAP or Website where items are purchased from
• Presenting clear pricing, access to terms and conditions and merchant contact details before a purchase is confirmed
• Replicating the familiar Internet 'click and buy' experience
• Introducing a ubiquitous 'Payforit' brand across the industry to promote a safe and trustworthy mobile payment environment

The Payforit scheme can only be provided by trusted partners, or Accredited Payment Intermediaries (APIs) like MX Telecom. Each mobile network operator ensures that companies providing the Payforit service are appropriately vetted and accredited, requiring the longstanding operator relationships and respected industry reputation that MX Telecom enjoys.

The Payforit experience -- WAP Purchasing

• Consumer selects a product they wish to purchase on a WAP site by clicking 'BUY'
• Consumer is transferred to a Payforit WAP payment page hosted by MX Telecom
• The Payforit WAP page displays the description, price of the item being bought, and links to the merchant's terms and conditions
• Consumer is transferred to a Payforit WAP payment page hosted by MX Telecom
• Consumer authorises payment by simply clicking on 'Pay Now'
• MX Telecom processes the payment with the mobile network operator
• A transaction outcome page is displayed where the merchant can collect marketing opt-in permissions and direct the consumer back to their WAP site

The Payforit experience -- Internet Purchasing

• Consumer selects a product they wish to purchase on a website by clicking 'BUY'
• Consumer is transferred to a Payforit web payment page hosted by MX Telecom
• Payforit web page asks the consumer to confirm their mobile number, network and marketing opt in preference
• MX Telecom sends the consumer’s handset a unique payment code to validate the purchase
• MX Telecom then displays the description and price of the item being bought and the consumer authorises the payment by entering the payment code and clicking 'Pay Now'
• MX Telecom processes the payment with the mobile network operator
• A transaction outcome page is displayed where the merchant can direct the consumer back to their website

Payforit benefits

Payforit has a number of technical and commercial benefits:

• No MO SMS message required

Unlike Premium SMS billing, an SMS from the consumer's handset is not needed to collect billing permission, creating a seamless consumer experience.

• Flexible pricing at reduced cost

Unlike Premium SMS Short Codes which are limited to one tariff per short code in the UK, Payforit merchants can bill at a range of tariff points - up to £10 - through a single Payforit account. Consequently, merchants can make considerable savings on short code costs.

• Improved user experience

Consumers making WAP purchases can enjoy the benefits of 'click and buy' purchasing without having to manage SMS billing messages. Once the payment request has been processed, consumers can continue their browsing session through direct links and make further purchases.

• Reduced customer care issues

Improved pricing transparency at the point of payment, along with payment confirmation pages, result in fewer customer care queries. This reduces the resource requirements of a customer care team and improves the customer experience.

• Subscription handling

Payforit supports timed and event-driven subscription models.

• Single click billing

Enhanced experience through an initial post-payment opt-in enables WAP users to make subsequent purchases from a site by the 'single-click' selection of a graphic, without needing to confirm their purchase.

• Trusted branding

The association of the Payforit logo with network operators encourages consumer confidence in purchasing from content providers using Payforit.

Benefits of Payforit with MX Telecom

MX Telecom's Payforit uniquely boasts an added postal collection option. This enables consumers purchasing physical items to enter a delivery address where items can be delivered.

This innovative new functionality makes it simple to sell physical goods of up to £10 per item via the mobile and traditional web.

With generous outpayments available, deploying Payforit through MX Telecom to sell physical items and mobile based content can earn serious rewards - and set your services apart as those of a creative mobile player.

MX Telecom and Payforit

As an instrumental member of the Trusted Mobile Payment Framework (TMPF) that governs Payforit, MX Telecom advises the UK Cross-Network forum on developments such as the introduction of higher tariff points.

This assertive role reflects a broad experience in mobile billing, a solid financial foundation and a justified reputation for technical ability, innovation and regulatory commitment. These industry-leading strengths make MX Telecom the perfect partner for implementing a Payforit billing solution.

A simple HTTP interface ensures straightforward integration, and because the MX Telecom Payforit solution has been developed in-house, bespoke requirements and future development can be catered for.

Payforit demonstration

To view our Payforit demonstration site on your handset, Text PAYFORIT to 82772 and a URL will be sent back to you (standard rate charges apply for inbound SMS and data charges). For a demonstration of Payforit Internet purchasing please contact your Account Manager.

Technical information

MX Telecom offers a simple HTTP interface to its Payforit solution.

Technical information on the MX Telecom Payforit solution.

Account setup

A Payforit account can usually be activated in 2-3 weeks.

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.