MIGPay is Mobile Interactive Technology’s (MIT) mobile billing solution that is built around the payment service Payforit which is supported by all the Mobile Network Operators (MNO) in the UK. MIT is an accredited payment intermediary of the Payforit scheme enabling mobile website providers to securely bill mobile phone users for one off or subscription payments.

Payforit was designed by the MNO’s to provide a trusted and easy billing service for paying by mobile phone to provide consumers with the confidence and security when paying for your business’s products. MIGPay allows payments of up to £10, or £30 on the Vodafone network, and provides a simple, consistent user experience for paying and receiving services.

Being an accredited payment intermediary MIT can make sure the mobile Internet service you offer to your customers with Payforit technology is 100% compliant with industry regulations and standards set out by the MNOs. MIT work closely with the regulators and forums, such as AIME, to ensure our in house team of experts can advise on the latest regulations and best practice guidelines.

Services

1. One off billing
2. Subscriptions
3. ID Management
4. User experience
5. Reporting
6. Gateway Technology
7. Adult verification

One off Billing

MIGPay allows content providers to bill consumers for one off purchases. A user simply views your business’s mobile website and selects the item they wish to purchase. Upon agreeing to the conditions of sale, for example cost, the user initiates a purchase. At this point MIGPay connects to the users MNO through a direct API connection to verify that the user has the necessary funds to complete the transaction. Upon receiving confirmation from the MNO the user is directed back to your mobile website to download your content or receive entry to your service.

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Subscriptions

MIGPay has the ability to allow your business to offer a subscription payment model to allow access to content and bill customers on a recurring basis.. A consumer, for example, could be billed weekly or monthly and all payments are validated with the MNO’s. Additionally to one-off billing the repeat payment process is managed by your application, giving you flexibility and control. MIGPay can also accommodate promotions such as free periods or special pricing. Common uses of repeat payments include access rights to mobile web services and ringtone subscriptions.

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ID Management

Each visitor to the MIGPay platform is provided with a unique ID. This ID can be used to track users who return to sites and allow content providers to personalise experiences. After any premium transaction the users’ mobile number can be requested for customer care purposes.

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User Experience

MIGPay provides a consistent, clear and user friendly experience to your customers by adopting a similar process to that used by websites. Customers simply visit your mobile website and select the product or service they wish to buy. The customer is then transferred to a MIGPay mobile web page with Payforit branding where clear payment details and instructions including the cost are displayed. The customer confirms the payment and returns to your mobile website to receive the product or service.

By adopting this click and buy strategy your customers receive a familiar, clear and friendly buying experience with the added benefit of Payforit branding to show your customers that your service is compliant and trustworthy.

An advantage of MIGPay is that upon confirming the payment your customers are also asked whether they wish to ‘opt-in’ to receive future marketing information. MIGPay records this information and allows the creation of a marketing list for your business to enhance your relationship with your customers.

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Figure 1: Payforit consumer experience

Reporting

MIGPay has in depth reporting on a number of factors including:

• Transaction summary
• Itemised transactions
• Opt in/out list
• Conversion
• Visitors
• Handsets
• Product Performance

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Gateway Technology

MIGPay is based on a secure infrastructure which provides your business and your customers with the confidence that any transaction, be it a one off payment or subscription payment, is processed quickly and compliantly. MIT host the payment gateway on secure servers that use security techniques similar to those used on the internet such as https.

There are a number of bespoke features built into the product giving you greater transparency of user behaviour. In addition there is a complex retry mechanic built in on a network and consumer level to maximise billing success.

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Adult Verification

Where available (network dependant), similar to SMS billing, MIT can provide adult verification notifications through an API connection into our platform to verify adult status.

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Figure 2: MIGPay reporting tool showing transaction details