o2, Vodafone and Three UK have made it compulsory for where a service is consumed or offered online and mobile to use Payforit 4.
Web and mobile were originally built as independent billing methods, however they are being superseded by "Embed" which will become the main supported version going forward.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)
If a user is browsing via a non-mobile data connection, a larger Embed version is available, enabling deployments such as:
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.
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):
Step 2) User receives SMS saying:
FreeMsg: Enter code 5171 to verify your purchase of £4.50 per month, or click to complete purchase: https://genericcompany.com/d82sjg
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:
or via the Embed method:
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:
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 genericcompany.com 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.
Upon successsful payment via all the above methods, the following success page is shown.
Mobile / Web:
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.
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.