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Mobile Payment
PayFlex Platform Payment products provide secure and innovative ways for mobile and credit card based payments. The products integrate with GSM operators and banking systems and handle all money transfer between subscriber accounts and merchant accounts. The system highlights credit card based or new trend mobile payments instead of old fashion payments via cash.
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Payflex Mobile Payment |
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Payflex Mobile Payment is a comprehensive product enabling mobile payments for a variety of sales operations. The platform provides an environment where the handheld device can act as a credit and/or debit card, POS device, shopping channel, and authentication devices; thus, enabling fast and secure sales processes wherever and whenever under the complete control of the company and the bank.
PayFlex Micro Payment stores merchant and subscribers data in a central repository, communicates with the bank systems and enables a wide range of services via standard protocols over online integrations to various channels, such as mobile handset application, NFC, web, WAP, SMS,USSD, IVR or call center.
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Benefits of PayFlex Mobile |
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Limits can be defined on any definition in the system: Subscriber, Merchant, Dealer, Channel, Service Type, Product Type... |
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Control: |
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All transactions and system actions are under the control of service provider |
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Low Cost Channel: |
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Do not require POS, Card, etc. investments. Supported payment ways: SMS, web interface, Java or PayFlex Mobile Payment Page Integration |
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No Bank Integration: |
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There is no need for a bank account or a credit card |
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Security: |
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During payments, no extra credit card, bank account or subscriber info rather than security PIN is required |
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Payflex Micro-Payment |
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PayFlex Micro Payment enables subscribers to make micro-level financial operations through their mobile devices. The product uses GSM operator environment as a payment source, and both prepaid and postpaid subscribers of the GSM operator may benefit from this system.
PayFlex Micro Payment stores merchant definitions in a central repository, communicates with GSM operator systems and enables a wide range of services via standard protocols over online integrations to various channels, such as mobile handset application, web, WAP, SMS,USSD, IVR or call center. The other features of the system are:
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A daily payment amount limit for subscribers may be defined by the
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administrators |
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No need for a physical card or a POS device |
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One channel that can reach billions of subscribers |
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For postpaid subscribers, transaction amount is added to GSM bill |
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For prepaid subscribers, transaction amount is decreased from air time |
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At the end of payment period, total payment amount is transferred from |
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GSM operator to the utility company |
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Micro Payment Applications |
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Prepaid Topup and e-voucher sale
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Bill payment |
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Standing orders for prepaid recharges or bill payments |
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Face to face shopping (shopping at a merchant and paying with Mobile |
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Handset) |
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E-commerce |
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Catalogue shopping |
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Ticketing |
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Parking meter payment |
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Value Added Services (buying ring tones, wall papers, etc.) |
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Loyalty Integration |
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Payflex VPOS Payment |
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Payflex VPOS payment enables organizations to process sales in virtual environments: it receives payments through American Express, VISA or MASTERCARD credit cards.
VPOS Payment has been specifically designed to hand “Card Not Presented” (CNP) transactions, PayFlex VPOS processes incoming transactions, converts, forward them to banks, and manages the transaction flow between organizations and banks through secured communication channels based on advanced cryptographic algorithms
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Transaction Set of PlayFlex VPOS |
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The transaction set includes the following transactions and operations |
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Financial Transactions |
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Authorization |
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Capture |
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Sale (Authorization and capture at the same time) |
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Credit |
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Installment payments |
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Recurring payments |
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Chargebacks, refunds, and cancellations for all transaction types |
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Batch Operations |
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Batch open |
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Batch close |
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Batch upload |
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Batch purge |
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Loyalty Operation |
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Loyalty data can be included in the response and request messages |
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Purchases with loyalty points |
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Ability to open a different concurrent batch for loyalty transactions |
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In addition to above listed transactions, the system periocially produces "i'm alive" messages, which can enable the system owner to remotely monitors the operational status of the connections. |
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