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Payforit - Mobile Billing, Internet Billing and WAP Billing

Read more about the Payforit Payment Screen implementation optionsPayforit 4 - Payment Screens (Page display options); Web and Mobile.

Support___txtNation.png       Payforit  - Mobile Billing, Internet Billing and WAP Billing

Mobile internet billing, previously known as WAP billing, is a mechanism for consumers to buy content from sites that is charged directly to their mobile phone bill. It is an alternative payment mechanism to debit or credit cards and premium SMS for billing. Using this consumers can buy mobile content without registering for a service or entering a username or password. The user clicks on a link and agrees to make a purchase, after which they can download content.


With txtNation, Payforit is available across all UK networks. We now operate the latest version of Payforit with its advanced features allowing you to maximise revenues.  



Payforit, first developed in 2007, only works online; offline and non-premium services are still supported by SMS shortcodes. Payforit is currently on it's fourth release, and 4.1 is being worked on for release in 2013. 
o2, Vodafone and Three UK have made it compulsory for where a service is consumed or offered online and mobile to use Payforit 4. 
There is a temporary exemption until early 2013 (date to be confirmed) for the requirement to use Payforit for online services in relation to:
- In-app purchases.
- Per minute charging for live services.
- Premium SMS charging for legacy subscription services, until the subscription ends. New subscription services should use Payforit.

Payforit will not be used for:
- TV voting and competition services promoted online.
- TV programs and advertising viewed online.
- Donations advertised online - because charities are low risk with the existing approval requirements. 

Payforit Rules 
The network operators ultimately decide the scheme "rules", however there is consultation with the Payforit management group, who meet monthly to decide on improvements and strategy.
Aggregators that allow clients to offer Payforit, enabling the billing transaction via the network operators (MNO's) are known as API's.  APIs are trusted by the MNO's to implement the rules so Payforit is seen as a trustmark for consumers, so they can trust making transactions via PFI.

Integration Methods
1) Web 
2) Mobile
3) Embed
Web and mobile were originally built as independent billing methods, however they are being superseded by "Embed" which will become the main supported version going forward. 
- No longer need to take users off the merchants' site, giving a better customer experience. 
- The future main supported method of Payforit.
- The same iframe can be embedded at 200 x 120 pixels or 300 x 200 pixels for web or mobile.
- The iframe sits into the merchants site so it can be co-branded to the merchant and Payforit.
- Integration methods 1) and 2) experience a 50% drop off rate as the brands don't match.
- Can be implemented as a popup where the site beneath is greyed so it can still be seen in the background.


User clicks on the link to make a payment shown below as the "Become a VIP" button highlighted in red. Also could say Pay now, Upgrade, Make Payment, etc.
User clicks "Become a VIP" link and is directed to either:
Embed Version                                                      Pop-up Embed Version (previous page is shown greyed out in background)
 Payforit4_Training_7__2_.png     or      Payforit4_Training_8.png
If a user is browsing via a non-mobile data connection, a larger Embed version is available, enabling deployments such as:


Opt-in Methods
1) MSISDN Forwarding 
2) MT PIN / Hyperlink Opt-in 
3) MO Opt-in
4) MT / MO Hybrid Opt-in
5) Single Click (repeat purchase agree button) 


1) MSISDN Forwarding 
If users are viewing via a data connection (2G, 3G or 4G), the users' MSISDN is securely provided to the API, which means the "Mobile Payment Flow" can be presented to the user. This means that users can agree via the "Buy Now" button to accept the charges displayed. 


msisdn_1.png          Embed: msisdn_embed_.png


Note: MNO's have to whitelist API's URLs to allow them to detect MSISDNs, however users browsing via Opera or using a Blackberry are always unable to be detected. Blackberry state that sales via their handset should be completed via their app store. 

2) MT PIN / Hyper Link Opt-in
Where users are viewing online or where an MSISDN is not detected, users are presented with the MT Hyper Link method of opt-in. This is where a user enters their MSISDN, receives a message with a PIN code and a link, then either enters the PIN code onto Payforit or clicks on the link, which verifies the payment.


Step 1) User enters MSISDN (Mobile / Web):
MT_opt-in_1.png                           Embed: MT_embed_.png


Step 2) User receives SMS saying:
FreeMsg: Enter code 5171 to verify your purchase of £4.50 per month, or click to complete purchase: 


Step 3) User enters code on the below page, or clicks on HTTP link in the SMS and is taken to the following Mobile / Web integration page:
MT_opt-in_2.png                            or via the Embed method: MT_embed_2.png


3) MO Opt-in
Should a user click on the "Don't know your mobile number?" link as shown above, the user is taken to the following:

Mobile / Web:
MO_opt-in_1.png                            Embed: MO_embed.png
4) MT/MO Hybrid Opt-in
A "Want someone else to pay?" link allows a user to request someone else to pay by entering in their MSISDN into the entry box. The MSISDN will receive:
"To confirm you wish to proceed with your purchase of £3.00 from reply Y to this message. Helpline 01752 484333."
5) Single Click 
This enables users that have made a purchase to agree to "Enable Single Click". It means that a simple Single Click Payforit button can be used for subsequent transactions, meaning with one click a transaction can be authorized. 
Example - Single Click Default Button:
Example - Single Click Custom Button:


Note: Each video and price would be a Single Click payment button. Payforit logo must be displayed at top of page with Single Click, as demonstrated by the red arrow above. 
- Only allowed with single purchases, e.g. no subscription purchases. 
- Sessions have to time out after an hour, where Opt-in methods 1), 2) or 3) should be displayed again. 
- Receipt messages confirming the purchases must be sent. 
- Receipt messages can be aggregated into one receipt message for purchases made in the 15 minute window after the first purchase, and so on.
- A £30 or 90 day spend limit stadard rate SMS confirmation must be sent to ensure they are still wanting to be part of single click. 
- To use a standard "Single Click Payforit Button" there is an application process (5 working days).
- A bespoke "Single Click Button" can be applied for  which takes approximately a month, e.g. a video thumbnail and price could be a button. 
- Approval revoked if abused - which means standard Payforit could still be used, but no longer Single Click. 


Payment Success
Upon successsful payment via all the above methods, the following success page is shown. 


Mobile / Web:
Success_1_.png        Embed: embed_success.png
Key Payforit 4 Improvements
- "Don't know your number?" link on MT opt-in page directs to MO opt-in page.
- MO opt-in page shows a keyword that is unique to each session.
- Payment success page shows:
   - "Click for receipt" link. 
   - Optional logo.
   - Optional more information about service.
- "Buy" or "Donate" wording options.
- Optional "Enable single-click paments" checkbox.
- Optional "Send me marketing" checkbox.
- If these boxes aren't set to be pre-ticked, you can set an automatic redirect for 30 seconds or more.
- For unsuccessful payments, users are shown error codes, conveying payment unsuccessful due to:
   - Adult or premium services block
   - General / unidentified error
   - Insufficient funds 
   - MO not received
- A retry payment button is shown so they can retry when resolved. 
- An optional "checkout abandonment" message can be sent when a user doesn't complete the transaction, with a link to take them back to try again; useful if the user lost their data connection during the purchase. This can be sent after 15 minutes and directing them to the same product they were browsing before got cut off.
The PhonepayPlus 12th Code still applies to Payforit, as ruled by Ofcom in July 2012
Using Payforit means that your PP+ obligations are covered in terms of consent to charge. 
However Payforit does not cover your obligations in terms of:
- Misleading promotions, e.g. misleading a user to divert away from the price or by hiding the payment screen. 
- Targeting vulnerable people. 
- Targeting children.
- Non-allowed service types (note with Payforit "Page 3" type services or less revealing are considered non-adult).
The same prior permission requirements exist as usual, e.g. consumer credit, live advice, international calling services, etc. However the requirement to have prior approval for subscription services over £4.50 per week and pay per page are exempt when using Payforit. 
In addition to PhonepayPlus monitoring your services, Vodafone will have an auditing process as of 2013, similar but not the same as o2 who use an external company called WMC Global. 


Who pays for the standard rate text message MT confirmations and reminders?
- As with the premium SMS PhonepayPlus 12th Code obligations these reminder and confirmation messages must be sent, and are paid for by the merchant. 

In a subscription how is the content delivered?
- The merchant sends them via Gateway. 


Who is responsible for sending the standard rate MT's / triggering billing?
- Welcome message after signup
- £20 (inc vat) or monthly reminder text
- Initial purchase
- Stop command 
- Subscription billing 

Can I send out standard rate messages with Payforit links in them?
- Yes, so long as the user is given sufficient product description on the page they are directed to. The recipient would click once on the Payforit link in the SMS, view the service for sale then click on the "buy now" link to make the purchase. 
What are the customer support requirements? 
- A telephone support line manned from 09:00 to 17:00 with a voicemail out of hours.
- Enquiries must receive a response in one day and be resolved in 2 days.
- With Single Click approvals, the customer support line must be hosted by the API as opposed to merchant. The merchant can take the calls, however the line must be provided by the API, so spikes in calls can be analysed.


Are there any other ways to use Payforit?
Yes, there is Payforit Certification. Where there is a technical need not to use the embedded version a service can apply for "Payforit Certification". This means that different functionality can be built, adhering to the Payforit Rules. For example interactive TV or iTunes may require a different user flow to be able to integrate with their systems. The Payforit management group meet to consider these applications. 
Does Payforit convert better than Premium SMS?
Yes. On a flat sharing website, Payforit has been proven to:
- Convert 50% more revenue than Paypal 
- 168% increase when using Payforit 4 than Payforit 3 
- 87% people make a payment 
- 17% make a repeat purchase


To make payment for WIFI in public places, research shows Payforit is preferred due to:
- Security issue solved as people don't watch as credit card details are entered.  
- Better experience over getting out credit card. 
- Business users more likely to have a business phone than a business credit card.


Will outpayments increase?
Operators are starting to offer a different form of reconciling payments, which is being coined "Direct to bill". There are significant benefits over traditional "premium SMS billing" which has relied on a message being delivered at a pre-determined price point to initiate the transaction. 

Currently available on Everything Everywhere, Three and Vodafone and is being rolling out on o2, key benefits include:
- Variable pricing in one pence increments, 10p being the lowest. e.g. £7.54.
- Improved VAT structure - e.g. just pay VAT on the service charge as opposed to gross, which means improved outpayments. 
- Better descriptions on bill. 
- Allows direct to bill refunds and even crediting. Available on all carriers except Vodafone, which is work in progress. As of January 2013 no APIs have this integrated yet. 

Read more about Payforit on our website and wiki here


Update: 14th July 2014 Introduction of monthly customer spend limit on O2 Direct Billing

What is happening?

O2 are introducing monthly customer spend limits on Charge to Mobile (Direct Billing) on Monday 14th July. New customers will have their monthly spend capped across all direct billing partners and services for a number of months. O2 expect initial customer limits to be set in the region of £30, but may change these from month to month without informing us.

What customers will this impact?

This will only impact customers that charge content or services to their bill – Pay Monthly customers. Pay and Go customers will not be impacted.

Why are O2 doing this?

O2 have seen bad debt increase to levels that threatened to put the future of the product at risk. O2 still have big plans for Charge to Mobile, so are looking to address this as soon as possible.

What about Revenue?

O2 Business Intelligence team has calculated that bad debt can be cut significantly by introducing these spend limits, helping to ensure the longevity of the product and significantly reducing the impact on revenue. This will actually make the product more profitable, as unusually high spending customers with a tendency to default on their bill payment, will be prevented from uncontrolled spending.

How will this Impact you?

The Operator API (Direct Billing) platforms have been updated to handle the new error code that O2 will return, in the event a customer has reached a spent limit. For consumers this will result in the user being presented with an additional Payforit information screen. This will return the error 'MONTHLYLIMITEXCEEDED'.

When will this take effect?

The project will go live on Monday 14th July.

WAP billing is a mechanism for consumers to buy content from WAP Wireless Application Protocol sites that is charged directly to their mobile phone bill. It is an alternative payment mechanism to debit or credit cards and premium SMS for billing. Using WAP billing, consumers can buy mobile content without registering for a service or entering a username or password. The user clicks on a link and agrees to make a purchase, after which they can download content.
WAP billing works with WAP-enabled mobile phones over a GPRS or 3G wireless connection. The customer initiates a WAP session with the content service provider by browsing a WAP page, for example. The WAP site hoster obtains the visitor’s MSISDN without the visitor having to register on a specific WAP gateway or service. This information is provided through integration with the operator's own MSISDN lookup service.
Consumers confirm a purchase by clicking on a ‘confirm purchase’ link on their mobile phone and the WAP billing platform informs the WAP application of the completed purchase transaction. Consumers are redirected to the content they have purchased. The purchases are recorded and billed directly via the mobile phone bill using the MSISDN. 
Q: As I understood from your control panel, wap billing = PayForIt. Could You please tell me how's this working on devices not supporting WAP, like most of modern smartphones (including iphone)?
A: WAP billing has evolved with mobile phone internet browsing technology. As PayForIt is a managed service, where you are provided with a URL to direct your users to complete the transaction, PayForIt ensures that you are able to capture the whole of the UK browsing market where their GPRS or 3G connection is being used. The URL that you direct your users to supports re-direction from users browsing WAP (WML), WAP 2.0 (cut down XHTML) and phones browsing all other internet sites. Once the transaction is complete they are directed back to your site to continue.











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