payforit4 training jul13
TRANSCRIPT
Payforit
Agenda What is Payforit? What’s new in Payforit 4
Break
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
