payforit scheme - fonix · payforit scheme the scheme is operated by parties (called payment...

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PAYFORIT SCHEME

PAYFORIT SCHEME

SOURCE DOCUMENT 1ST JUNE 2017

Version

Control:

Date Changes in Red NB screens are for illustration only

6.0

6.1

6.2

6.3

2/12/16

14/12/16

1/3/17

16/3/17

Principles Based Payforit

Amendments for PSA Special Conditions P 4 – 10

Amendments to verification texts P 17 18, 19 21, 22

Rationalisation of Flows to 4 – MSISDN Pass-through, MT Flow, MO Flow and MT/MO Hybrid Flow

Separation of Skill Element from Payment Screens for competitions P5, P7, P9

Free Trial button wording change P9

Verification Text headers P13 – 18

Verification Text message wording P 12 - 18

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PAYFORIT SCHEME

CONTENTS

Common Screen Items ............................................................................................................................................................................................................................. 3

1 MSISDN Pass-Through Flow (Standard Payforit Services Only) .................................................................................................................................................... 4

2 MT Flow (Standard Payforit and PSA Special Condition Services) ................................................................................................................................................ 5

3 MO Flow (Standard Payforit and PSA Special Condition Services) ............................................................................................................................................... 6

4 MT/MO Hybrid Flow (Standard Payforit and PSA Special Condition Services ............................................................................................................................... 7

Mandated Wording .................................................................................................................................................................................................................................. 8

1. Charge Notification Fields............................................................................................................................................................................................................. 8

2. First Button wording ..................................................................................................................................................................................................................... 9

3. Payment Received wording .......................................................................................................................................................................................................... 9

4. Error Message wording ................................................................................................................................................................................................................ 9

5. CCR Regulation 16 (2) states the text receipt confirmation must include: ................................................................................................................................. 10

6. About Payforit ............................................................................................................................................................................................................................ 10

Text Messages ........................................................................................................................................................................................................................................ 12

Contents Page

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PAYFORIT SCHEME

COMMON SCREEN ITEMS

1. 2.

Header Box (Mandated): When clicked by the consumer, the API will present the “About Payforit” screen.

Merchant Detail (Mandated): Must carry the Merchant Identity and must be recognisable from the consumer journey to this screen. Images not to exceed 2/3 of the total screen.

Charge Notification (Mandated): A short, clear, unambiguous explanation of the service being offered for purchase must be displayed on every page of the flow used. This should explicitly state “This will be charged to your mobile phone” (non-phone devices must reference the device).

Call to Action First Purchase button (Mandated): Dependant on the Flow it can read “Buy Now”, “Subscribe Now”, “Donate Now”. All have price on and subscriptions also have billing frequency.

Call to Action Second Purchase button (Mandated): When the MSISDN is confirmed the charging notification along with the price must appear on the second payment button: “Confirm this charge to your mobile.”

Help (Mandated): Must contain the Merchant or API support details with links to Merchant and Payforit terms and information

Error reason (Mandated): API will present the reason for the error using the Error Reasons permitted

Retry button (Mandated): This will return the consumer to the Payment page to retry the transaction or cancel and return to the Merchant.

MSISDN Entry box Instruction can be either above or below the box. A dropbox for consumers to select their own network can be provided. Instructions should be appropriate to the flow being used.

Payment Received Notification (Mandated): Advises the consumer the amount that they have paid from their mobile account and must match the price shown on previous screens. (or Subscription Activated) Exit button optional on this screen. Option to secure consumer’s agreement to waive their right to a refund.

“Don’t know your mobile number?” link (Optional): eg when using broadband. This clickable link switches the Consumer Experience Flow from MT to MO flow.

Marketing Opt–In (Optional): Allows the Merchant to conduct marketing to the consumer. Box must be unticked unless prior permission has been given to pre-tick it.

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PAYFORIT SCHEME

1 MSISDN PASS-THROUGH FLOW (STANDARD PAYFORIT SERVICES ONLY)

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PAYFORIT SCHEME

2 MT FLOW (STANDARD PAYFORIT AND PSA SPECIAL CONDITION SERVICES)

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PAYFORIT SCHEME

3 MO FLOW (STANDARD PAYFORIT AND PSA SPECIAL CONDITION SERVICES)

Services in PSA Special Conditions are not permitted to use IVR and MUST use MO SMS

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PAYFORIT SCHEME

4 MT/MO HYBRID FLOW (STANDARD PAYFORIT AND PSA SPECIAL CONDITION SERVICES

Services in PSA Special Conditions must not use parameterised links and must use a word not a letter

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PAYFORIT SCHEME

MANDATED WORDING

1. Charge Notification Fields

a. Screen One Charge Notification

i. One-off payment: “Buy < product / service >”

ii. One-off charity donation: “Donate to <charity>”

iii. Standard subscription: “ Subscribe to < product / service > until you text STOP to <shortcode>”

iv. Subscription with initial free period: “Subscribe to < product / service > free for <period> and then be charged <price> [per/every/a]

<billing frequency> until you text STOP to <shortcode>”

v. Subscription with an initial charge: “Subscribe to <product/service> for <initial charge> then <price> [per/every/a] <billing frequency>

after <TimeTilChargingStarts> until you text STOP to <shortcode>”

vi. Charity subscription: Donate [per/every/a] <billing frequency> to <charity name> until you text STOP to <shortcode>

vii. For MO Flow services: “By clicking the button below you confirm and accept that <price> will be charged to your mobile phone.”

viii. The Charge Notification must also explicitly state “This will be charged to your mobile phone” (non-phone devices must reference the

device eg dongle, tablet etc)

b. Screen Two Charge Notification

i. One-off payment: “Buy <product description> for <price>”

ii. One-off charity donation: “Donate <price> to <charity>

iii. Standard subscription: “Subscribe to <product description> for <price> [per/every/a] <billing frequency> until you text STOP to

<shortcode>”"

iv. Subscription with initial free period: “Subscribe to < product description > for <price> [per/every/a] <Billing Frequency> after <free trial

period> until you text STOP to <shortcode>”

v. Subscription with an initial charge: “Subscribe to <product/service> for <initial charge> then <price> [per/every/a] <billing frequency>

after <TimeTilChargingStarts> until you text STOP to <shortcode>”

vi. Charity subscription: “Donate <price> [per/every/a] <billing frequency> to <charity>"

c. Optionally, the Merchant may include the following in the Charge Notification area “This purchase is subject to these terms” or “You / I agree to

the terms of the service” with the “terms” hyperlinked to the merchant terms that the consumer can access.

d. Optionally, the Merchant may include the following or a concise equivalent in the Charge Notification area “By clicking the <call to action detail

button> button you also agree that the service starts immediately and your right to cancel is waived.”

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PAYFORIT SCHEME

2. First Button wording

a. One-off payment: Buy Now for <price>

b. One-off charity donation: Donate <price> Now

c. Standard subscription: Subscribe Now for <price> [per/every/a] <billing frequency>

d. Subscription with initial free period: Start <period> free trial <price> per <billing frequency> thereafter

e. Subscription with initial charge: Subscribe Now for <initial charge> then <price> [per/every/a] <billing frequency>

f. Charity subscription: Donate <price> [per/every/a] <billing frequency>

3. Payment Received wording

a. One-off payment: “You’ve paid <Price>”

b. One-off charity donation: “You’ve donated <Price>”

c. Standard subscription: “Your subscription for <Price> [per/every/a] <billing frequency> has been set up and will continue until you text STOP to

<Shortcode>”

d. Subscription with initial free period: “Your subscription for <Price> [per/every/a] <billing frequency> with <period> free has been set up and will

continue until you text STOP to <Shortcode>”

e. Subscription with initial charge: “You’ve paid <initial charge> and your subscription for <Price> [per/every/a] <billing frequency> has been set up

and will continue until you text STOP to <Shortcode>”

f. Payment Received screens must confirm the charge notification: “This will be charged to your next phone bill or deducted from your prepay

balance.”

g. The Merchant may include the following or a concise equivalent on the Payment Received screen.“You can change your mind and get a refund in

the next 14 days unless you press <call to action button> and get your purchased <product/service>”

h. Payment Received” can be replaced by “Subscription Activated” where appropriate.

i.

4. Error Message wording

a. Adult services bar: “This service is restricted to users 18 and older. If you are 18 or older, access [MNO contact number] to verify your age.”

b. General error: “Service temporarily unavailable; try again later.”

c. Insufficient Funds: “Top up your mobile phone account by accessing [MNO contact number] now.”

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PAYFORIT SCHEME

d. Monthly Spend Limit Reached: “Sorry, you've reached your monthly spending limit on charge-to-mobile services which providers have to protect

their customers. You won't be able to charge this kind of service to your bill again until next month.”

e. Daily Spend Limit Reached: “Sorry, you've reached your daily spending limit on charge-to-mobile services which providers have to protect their

customers. You won't be able to charge this kind of service to your bill again until tomorrow.”

f. MO flow when text not received: “Text message not yet received. Click Retry Payment.”

g. Services bar: “Premium rate services are unavailable on your account. Access [MNO contact number] now for more information.”

h. Shown with every error description: “To contact your mobile phone company, please call [MNO contact number] directly from your mobile ”

i. MNO Contact numbers are: O2: 202 (contract consumers) or 4445 (prepay consumers), Vodafone: 191, EE: 150

5. CCR Regulation 16 (2) states the text receipt confirmation must include:

(a) the main characteristics of the goods or services, to the extent appropriate to the medium of communication and to the goods or services;

(b) the identity of the trader (such as the trader’s trading name) and address (where available, the trader’s telephone number, fax number and e-mail address)

(f) the total price of the goods or services inclusive of taxes, or where the nature of the goods or services is such that the price cannot reasonably be calculated in advance, the manner in which the price is to be calculated,

(g) where applicable, all additional delivery charges and any other costs or, where those charges cannot reasonably be calculated in advance, the fact that such additional charges may be payable;

(h) in the case of a contract of indeterminate duration or a contract containing a subscription, the total costs per billing period or (where such contracts are charged at a fixed rate) the total monthly costs;

(i) the cost of using the means of distance communication for the conclusion of the contract where that cost is calculated other than at the basic rate;

(s) the duration of the contract, where applicable, or, if the contract is of indeterminate duration or is to be extended automatically, the conditions for terminating the contract;

6. About Payforit

“Payforit is a technical payment scheme developed by the UK mobile network operators ("networks"), to make buying digital products and services via a

mobile phone or other device simple and clear for you and enabling you to charge these purchases to your mobile monthly account or prepaid credit.

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The scheme is operated by parties (called Payment Intermediaries) that contract to your network to provide the relevant information to you so that you can

make your own decision about the purchase. Payforit is not a legal entity and is not a party to any transaction for products or services.

When you make the decision to purchase and indicate your decision by pressing a button or an appropriately worded icon, you agree a contract with the party

selling the product or service ("the seller") that you will pay the price detailed by charging the purchase to your monthly account or prepaid account provided

by your network. Your contract is with the party selling the product or service ("the seller") not with your MNO. Your MNO has agreed with the seller simply to

charge the amount directly to your bill or prepay account. Once this charge has been authorised by you, the seller must provide the product or service detailed

and you must pay your network (for monthly accounts) the amount charged. You are therefore wholly responsible for checking that you are happy with the

price, the product or service and the seller before making a purchase commitment.

When choosing to pay by your mobile account or prepaid credit, you have either provided your mobile number to the payment intermediary or you have

agreed for your network to pass your number directly. If you did not opt out of marketing (by un-ticking the relevant box), the seller may use your mobile

number in accordance with its privacy policy, terms and conditions.

You have 14 days from the date of the purchase to change your mind, cancel the purchase and receive a refund. You will need to contact the

[seller][merchant] on the contact number given in the receipt that you will receive after the purchase is made. The [seller][merchant] may have asked you to

agree to an immediate delivery of the service or content and in doing so, you will have waived your right to cancel. If your purchase is a subscription service

with a recurring charge, then you have the right to cancel the service and all future charges by following the instructions given in the text message sent to you

after your purchase. Other rights that you may have (statutory or otherwise) including rights related to faulty or incorrectly described goods are between you

and the [seller][merchant] and any enquiries or disputes must be addressed directly with them using the phone number provided in the receipt message. Your

network has added value in terms of access, search, the Payforit scheme and the charging mechanism and you can escalate any dispute between you and the

seller to your network for them to take a decision as long as you have discussed the dispute with the seller and can provide evidence of that discussion to your

network.

The operation of this payment facility is regulated under the PhonepayPlus Code of Practice and is bound by the Consumer Contracts (Information,

Cancellation and Additional Charges) Regulations.

This payment facility is operated under contract to your network by [API NAME] and their contact details are [API Contact Details]”

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PAYFORIT SCHEME

TEXT MESSAGES

PFI Flow PFI Text receipt - CCR PFI Verification text - Mandated PFI Reminders £20/1month When to Send Sender Address

MT Flow

FreeMsg: Thank you for your payment of <price> for <product/service> from <merchant> Help? <UK standard rate or free helpline number> or click <link>

FreeMsg: To confirm acceptance, verify your mobile number and proceed continue with your purchase of <product/service> for <price> from <merchant> please use enter <pin/link> Help? <UK standard rate or free helpline number>

NB Services in PSA Special Conditions may not use a clickable link

N/A Immediately Verification Text – Service or merchant identifier or ‘Pin Verify’ for static screens. Not Receipt

Receipt Text - Receipt

MT Subscription

FreeMsg: Thank you for subscribing to <service name> for <price> [per/every/a] <billing frequency> from <Merchant> until you text STOP to <shortcode> HELP? <UK standard rate or free helpline number>.

FreeMsg: To confirm acceptance, verify your mobile number and proceed continue with your subscription to <product/service> for <price> [per/every/a] <billing frequency> from <merchant> please use enter <pin/link> Help? <UK standard rate or free helpline number>


FreeMsg: Reminder. You are subscribed to <service name> for <price> [per/every/a] <billing frequency> from <Merchant> until you text STOP to <shortcode>. HELP? <UK standard rate or free helpline number>.

Immediately

Every month or £20 spent

Verification Text – Service or merchant identifier or ‘Pin Verify’ for static screens. Not Receipt

Receipt or shortcode

MT Subscription

FreeMsg: Thank you for subscribing to <service name for <price> [per/every/a] <billing frequency> from

FreeMsg: To confirm acceptance, verify your mobile number and proceed with your purchase of

FreeMsg: Reminder. You are subscribed to <service name> for <price> [per/every/a] <billing frequency> from

Immediately Every month or £20 spent

Verification Text – Service or merchant identifier or ‘Pin

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PAYFORIT SCHEME

with free period

<date> from <Merchant> Your free trial of <product/service> from <merchant> will end on <date>. Then <price> [per/every/a] <billing frequency> until you text STOP to <shortcode>. HELP? <UK standard rate or free helpline number>.

continue with subscription to <product/service> for <price> [per/every/a] <billing frequency> from <Merchant> from <date> please use enter <pin/link> First <period> free. Help? <UK standard rate or free helpline number>


<date> from <Merchant> until you text STOP to <shortcode>. HELP? <UK standard rate or free helpline number>.

Prior to 1st billing event: FreeMsg: Reminder. You are subscribed to <service name> for <price> [per/every/a] <billing frequency> from <date> from <Merchant> until you text STOP to <shortcode>. HELP? <UK standard rate or free helpline number>.

Immediately prior to 1st billing event

Verify’ for static screens. Not Receipt


MT Subscription with initial charge

FreeMsg: Thank you for subscribing to <service name for <initial charge> then <price> [per/every/a] <billing frequency> from <date> from <Merchant> until you text STOP to <shortcode>. HELP? <UK standard rate or free helpline number>.

FreeMsg: To confirm acceptance, verify your mobile number and proceed with your purchase of <product/service> for <price> [per/every/a] <billing frequency> from <merchant> please use <pin/link> Help? <UK standard rate or free helpline number>


FreeMsg: Reminder. You are subscribed to <service name> for <price> [per/every/a] <billing frequency> from <date> from <Merchant> until you text STOP to <shortcode>. HELP? <UK standard rate or free helpline number>.




MT Flow Charity donation

FreeMsg: Thank you for your donation of <price> for <product/service> from <merchant> Help? <UK

FreeMsg: To confirm acceptance, verify your mobile number and proceed with your donation of <price> for <product/service> to <merchant> please use <pin/link>

N/A Immediately Verification Text – Service or merchant identifier or ‘Pin Verify’ for static

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PAYFORIT SCHEME

standard rate or free helpline number> or click <link>

Help? <UK standard rate or free helpline number>

screens. Not Receipt

Receipt

MO Flow FreeMsg: Thank you for your payment of <price> for <product / service> from <Merchant>. Click here for your [product / service /content] <Merchant URL to product / service> HELP? <UK standard rate or free helpline number>.

N/A N/A Immediately Receipt

MO Subscription


N/A FreeMsg: Reminder. You are subscribed to <service name> for <price> [per/every/a] <billing frequency> from <Merchant> until you text STOP to <shortcode>. HELP? <UK standard rate or free helpline number>.

Immediately

Every month or £20 spent


MO Subscription with free period

FreeMsg: Thank you for subscribing to <service name for <price> [per/every/a] <billing frequency> from <date> from <Merchant> Your free trial of <product/service> from <merchant> will end on <date>. Then <price> [per/every/a] <billing frequency> until you text STOP to <shortcode>. HELP? <UK standard rate or free helpline number>.

N/A FreeMsg: Reminder. You are subscribed to <service name> for <price> [per/every/a] <billing frequency> from <date> from <Merchant> until you text STOP to <shortcode>. HELP? <UK standard rate or free helpline number>.

Prior to 1st billing event: FreeMsg: Reminder. You are subscribed to <service name> for <price> [per/every/a]

Immediately

Every month or £20 spent Immediately prior to 1st billing event


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<billing frequency> from <date> from <Merchant> until you text STOP to <shortcode>. HELP? <UK standard rate or free helpline number>.

MO Subscription with initial charge


N/A FreeMsg: Reminder. You are subscribed to <service name> for <price> [per/every/a] <billing frequency> from <date> from <Merchant> until you text STOP to <shortcode>. HELP? <UK standard rate or free helpline number>.



MO Flow Charity Purchase

FreeMsg: Thank you for your donation of <price> for <product/service> from <merchant> Help? <UK standard rate or free helpline number> or click <link>

N/A N/A Immediately Receipt

MT/MO Hybrid Flow

FreeMsg: Thank you for your payment of <price> for <product or service name> from <Merchant>. HELP? <UK standard rate or free helpline number>

FreeMsg: To confirm acceptance, verify your mobile number and proceed continue with your purchase of <product/service> for <price> from <merchant> please use enter <pin/reply Y> Help? <UK standard rate or free helpline number>



Receipt Text - Receipt

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PAYFORIT SCHEME

MT/MO Hybrid subscription


FreeMsg: To confirm acceptance, verify your mobile number and proceed continue with your subscription to <product/service> for <price> [per/every/a] <billing frequency> from <merchant> please use enter <pin/reply Y> Help? <UK standard rate or free helpline number>


FreeMsg: Reminder. You are subscribed to <service name> for <price> [per/every/a] <billing frequency> from <Merchant> until you text STOP to <shortcode>. HELP? <UK standard rate or free helpline number>.



shortcode

MT/MO Hybrid subscription with free period

FreeMsg: Thank you for subscribing to <service name for <price> [per/every/a] <billing frequency> from <date> from <Merchant> Your free trial of <product/service> from <merchant> will end on <date>. Then <price> [per/every/a] <billing frequency> until you text STOP to <shortcode>. HELP? <UK standard rate or free helpline number>.

FreeMsg: To confirm acceptance, verify your mobile number and proceed with your purchase of continue with subscription to <product/service> for <price> [per/every/a] <billing frequency> from <Merchant> from <date> please use enter <pin/reply Y> First <period> free. Help? <UK standard rate or free helpline number>



Prior to 1st billing event: FreeMsg: Reminder. You are subscribed to <service name> for <price> [per/every/a] <billing frequency> from <date> from <Merchant> until you text STOP to <shortcode>. HELP? <UK standard rate or free helpline number>.

Immediately Every month or £20 spent Immediately prior to 1st billing event


shortcode

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PAYFORIT SCHEME

MT/MO Hybrid Subscription with initial charge


FreeMsg: To confirm acceptance, verify your mobile number and proceed with your purchase of <product/service> for <price> [per/every/a] <billing frequency> from <merchant> please use <click this link/reply Y> Help? <UK standard rate or free helpline number>





shortcode

MT/MO Hybrid Flow Charity donation

FreeMsg: Thank you for your donation of <price> for <product/service> from <merchant> Help? <UK standard rate or free helpline number> or click <link>

FreeMsg: To confirm acceptance, verify your mobile number and proceed with your donation of <price> for <product/service> to <merchant> please <click this link/reply Y> Help? <UK standard rate or free helpline number>


Shortcode

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Payforit Purchase via a tablet or other non phone device that cannot support shortcode SMS; mandatory delivery of receipt via email.

Thank you for your payment of <price> for <product or service name> from <Merchant>. HELP? <UK standard rate or free helpline number>.

Immediately Ensure email address is not blocked

Consumer abandons checkout

FreeMsg: <Merchant> seems to have lost you. To access their site again please click <Merchant URL>.

Within 15 minutes

Receipt

Consumer opts into marketing; optional delivery of free marketing text message.

Marketing messages must

include

1) “FreeMsg”.(first)

2) Merchant name.

3) Opt- out information.

4) May include

Merchant URL./API

page URL

As required Receipt

payforit scheme - fonix · payforit scheme the scheme is operated by parties (called payment...

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