payforit4 training jul13

Payforit

Agenda What is Payforit? What’s new in Payforit 4

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Single Click Payforit & PhonepayPlus Examples

What is Payforit

What is Payforit?

Really easy way for people to pay online

Cost of purchase added to phone bill

Only works online (web & mobile)

Get income from smartphone users

Mobile network operators Produce Payforit scheme rules

Consistent across all networks

Work together as the:

“Payforit management group”

Appoint APIs to enable services

Accredited Payment Intermediates

Implement scheme rules Lose API status if they break the rules Act independently of merchants Trusted by MNOs

Why use Payforit?

3 reasons

1. MSISDN Pass through

2. Direct to bill technology

3. Regulatory protection

MSISDN Pass through

MNO passes MSISDN to APIs URL Secured to prevent unauthorized use Works on 2G/ 3G/ 4G connection Not available for Blackberry or Opera

Don’t need to ask consumer for number

MSISDN Pass through rules Only after purchase Content or service delivery Customer support Marketing (if opt in)

Not for PSMS or other forms of billing

Direct to bill

Available on Orange, Three, Vodafone Currently rolling out on O2

Granular pricing (eg £1.99) Correct VAT handling Refunds, crediting, bill descriptions

Regulation

Light touch regulation by PhonepayPlus

Better clarity for merchant Less ambiguity

What Payforit won’t do

Prevent complaints ‘Get out of jail’ card Force businesses to embrace it

Payforit 4

Payforit 4

Mobile flow Web flow Embed flow

Payforit Single Click Marketing messages Service Delivery Messages

Mobile Flow

MSISDN Pass through

Branded Unbranded

MT Method

MO Method

MT/MO Hybrid Method

Success Error

Receipt message Mobile option

Web Flow

Branded Unbranded

Optional API Logos

MSISDN Pass through

MT Method

MO Method

Success Error

Embed Method

Embed for Mobile

200px wide, 120px high

300px wide, 200px high

<iframe width=300 height=200 src=URL></iframe>

iFrame Tag:

Provided by API

MSISDN Pass through

MT Method

MT Hyperlink

MO Method

MT/MO Hybrid Method

Success Screen

Payforit Single Click is optional

Marketing is optional

Screen is optional if no marketing

Error Screen

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Payforit Single Click

Payforit Single Click

Merchant

website

Merchant

website

Redirect to APIfor billing

API hosts image

Initial Purchase 2nd Purchase

Initial Purchase

Next login

Next purchase

Payforit Single Click Button

1. Present the Payforit Single Click logo with a minimum size of 40 pixels wide by 20 pixels high.

2. Present the price and call-to-action no more than 30 pixels apart and with no overlapping or touching.

3. Present the price and call-to-action in a contrast colour.o Convert dominate background to HSL (hue, saturation, lightness).o If the lightness is less than 50%, the text must be white (#FFFFFF). If the

lightness is above 50%, the text must be black (#000000). If the lightness is exactly 50%, the text may be either white or black.

Receipt message

Single Receipt Aggregated Receipt

£30 or 90 day spend limit

Approval process API logs in to Payforituk.com

Registers merchant

Default approved in 5 working days

Custom Button approval by Payforit Management Group, meets monthly

Approval revoked if abused

Monitoring

API hosts helpline in receipt messages

Helpline can direct to merchant Monitors call volume

Enhanced PayforitSingle Click

Enhanced Single Click

Cancel purchase

Consumer may cancel purchase within 10 minutes of most recent selection

All unbilled purchases are also cancelled

Marketing permission becomes void if cancelled

Consumer may access site again without restrictions

Screen Logging

API must serve every page viewed

Page must be retained for 12 months

API must add all Payforit elements

API must add pricing & billing links

API must serve thumbnails

MSISDN Aliasing

API must not pass MSISDN to merchant Merchant agrees to forfeit all rights to MSISDN

Merchant may have a MSISDN alias

Merchant may market via alias (when opted in)

API manages marketing opt in/ opt out

No PSMS may be marketed

Billing & retries

Only bill full amount shown to consumer No split amounts, eg £1.50 + £1.50

Retries must be inline with MNO policy

Billing must take place immediately after cancellation period

API must ensure only one charge per item

API must ensure they are not billed for item already purchased

Pricing consistency

May have multiple prices on selection screen

(if so, font size must be 14px+)

Price on content delivery screen must be same amount or less

Consumer must return to selection screen to purchase at a different price point

Call logging

API must record customer care calls

Call recording must be retained for 3 months

API must analyse all calls, each week

If call volume increases by 10%, API must suspend service and investigate root cause

Additional requirements

Improved receipt message must be used

Only 1 API redirect between advert and site

PFI SC opt in must be shown every time

API must complete a certification assessment

Marketing messages

Service Delivery Message

Service Delivery Message

Send 1 SMS message

Sent within 15 minutes

Direct sales not permitted

Prompt to return to website

Subscriptions

Requirements

Welcome message after signup

£20 (inc VAT) or monthly reminder text

API managed STOP command

API must bill subscription

PPP Apprvoal when £4.50+/wk

Customer Service

Requirements

Refunds without unnecessary hurdles

9-5 telephone support (VM out of hours)

Respond in 1 day, resolve in 2 days

English speaking UK helpline

Payforit & PhonepayPlus

About PhonepayPlus

UK regulator for premium rate services (PRS)

PRS includes payment on a phone bill

PPP regulate promotion, operation and content

Regulates MNOs, APIs & Merchants

Why Regulate?

All payment services in UK are regulated• FSA or OFCOM

Past issues destroy consumer trust• Subscriptions• Voting

Fair charging creates equal opportunities

Payforit Regulation

Define as a Controlled Premium Rate Service

PhonepayPlus recognizes that Payforit is capable of lessening consumer risk

PhonepayPlus sits on Payforit Management Group to provide appropriate input

PhonepayPlus statement on regulation of PFI

Payforit and the Code

Payforit provides assistance with: Transparency and Pricing Some scenarios around Fairness Consumer consent to charging Privacy - consent to market

Payforit and the Code (2)

Payforit cannot help with:

Misleading info before payment screen

Bill shock unless reminders sent

Inappropriate marketing (e.g. to children)

Legality (Section 2.1) and Avoidance of Harm

Complaints

Complaints referred to the merchant when:• No immediate indication that Payforit used

incorrectly• No indication of significant, or trending,

consumer harm

MNO may be contacted to establish merchant

Dissatisfied consumers can be referred to PPP

Prior Permission

Some categories of PRS require written permission before providers can operate them:

Current list includes:• Subscription over £4.50 per 7 days• Consumer credit services• Multi party chat• Remote gambling

Full list at: http://www.phonepayplus.org.uk/For-Business

Registration of services

Services must be registered with number checker to reflect how they are described by MNOs to consumers

Allows many parties to quickly identify the merchant involved from the bill descriptor

MNOs have differing descriptions - work in progress

Payforit 4.1

In App billing

Ideal for App stores (exc iOS) Intuitive user experience Currently in trial

Payforit Certification

Modify user experience

For scenarios when PFI doesn’t fit

Can take amendment to PFIMG

MNO review and provide feedback

If accepted, available to all

Case Studies

UK’s #1 flat sharing website

Someone finds a flat mate every 3 mins

Freemium model• Pay to view landlord details early• Pay to boost your advert

Spareroom.co.uk

Early bird upgrade

Payforit Payment

Payment Completed

50% more people than Paypal

168% increase when using Payforit 4

87% people make a payment

17% make a repeat purchase

Service Revenue

Virgin train WiFi

Paying by card

Security issue with people watching Not a great experience on a train Business users more likely to use

phone

Results Most popular option

73% make a purchase

20% repeat purchases

Keep in touch

Chris@ImpulsePay.com

0207 099 2450

@CN_UK