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MOBILE OPERATORS
Q. How can the MoPay MoPay benefit mobile operators?
A. MoPay’s MoPay is an easy, cost-effective way to enable m-payment applications, enabling mobile operators to offer new types of services to end-users. Not only can applications be lucrative financially (SMS-based prepaid mobile top-up, bundling and selling SMS packages to participating merchants and financial service organizations) but also in terms of the marketing potential they offer for attracting new clients. Operators seeking to offer a stored value account for processing low-value payments can also rely on MoPay to manage these services.
Q. What are the advantages of the bank-led model?
A. As an operator, you do not have to do anything. The bank markets m-payments services to its account and cardholders. For prepaid top-up, some users might be more inclined to participate as giving their mobile number to the bank is less of an issue than giving payment data to their operator.
Q. Which banks does MoPay work with?
A. In the operator-led model, we can work with the operator’s existing Acquirer(s) or work directly with individual banks for direct debit of SMS payments from users’ bank accounts. Involving large Issuers and banks is the best way to maximize the number of mobile subscribers who can use the service.
Q. Our customers are comfortable using vouchers. Why would they use the SMS top-up service?
A. SMS top-up offers extraordinary convenience to users regardless of location, time of day or weather. The mobile phone essentially becomes a portable PIN digipad, enabling the user to authorize top-up anytime, anywhere, and never run out of prepaid airtime. SMS-based top-up also offers great savings to operators over traditional top-up channels. Roaming support is also a significant benefit as more prepaid users travel and may need to top-up whilst abroad.
Q. What do I need to provide in terms of human resources?
A. In respect of really major installations, a project manager for the implementation phase will be supplied by MoPay as well as an interface for problem resolution post-launch. Because MoPay is a managed service, no full time personnel are required to operate the service.
Q. Is any integration necessary between the bank and the mobile operator?
A. No, none whatsoever. As a centrally hosted and managed platform, MoPay takes care of this.
Q. In the event of a dispute with a customer, is there a full audit trail?
A. Yes, the system is capable of generating a full audit trail. Each and every step of a transaction is recorded and logged and features a unique transaction number.
Q. What methods of user registration are possible?
A. Registration can be managed over the Web, in mobile phone shops or even through existing call centers. Registration channels should correspond to the ways in which the bank or operator typically communicates with customers.
Q. How do we get the registration details onto MoPay?
A. Typically, registration details are uploaded onto the platform via an online interface or batch mode. MoPay needs only a few pieces of information to process transactions: the user’s mobile number, PIN or ‘passcode’, and for some applications, payment details and information about the account amount in order to send the ‘payment due’ SMS to the user. Service providers may, however, wish to gather other information and upload it onto the system to ensure a complete user profile when using the Web-based Customer Care module.
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