Frequently Asked Questions

General Mobillcash Questions

Mobile Market

Merchant Info

Merchant Benefits

Technical Info

Individuals as Mobillcash Merchants

Customer Info



General Mobillcash Questions

Untapped Market

Merchant Info

Merchant Benefits

Technical Info

Individuals as Mobillcash Merchants

Customer Info


General Mobillcash Questions

What is Mobillcash?

Mobillcash is a payment solution that allows customers to make payments online without a credit card, debit card, bank account or I.D. by charging the payment directly to the mobile phone bill.
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What is M-commerce

The M is for mobile. M-commerce is like e-commerce but using mobile phones.
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Can I try Mobillcash to see how it works?

Yes. We have a live demo that you can try here.
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How can I get started with accepting Mobillcash payments on my website?

Sign up here. It’s free, it’s easy and takes about 1 minute, even individuals as merchants qualify. When the sign up process is complete you can log in and create simple payment buttons to paste directly into your site and begin taking Mobillcash payments instantly. We do offer more advanced integration and the time scale for this varies depending on the type of integration required.
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How can the customer make a purchase without ID?

With the Mobillcash secure payment system it is ok for a merchant to request nothing from a customer and still be assured the transaction is authenticated. Unlike credit card merchant systems, Mobillcash does not collect or link to any of the customers personal information to complete and authenticate the transaction.
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What Mobile Phones does Mobillcash work with?

Any mobile phone that can accept text messages.
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How long does a Mobillcash transaction take?

From the time you enter your mobile phone number you will typically receive the confirming text message in 2-3 seconds. You simply reply with a Y or YES and the transaction will be verified by the mobile carrier. This can take 3-10 seconds. In all the total transaction can be less than 15 seconds.
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In what way is Mobillcash a unique billing system?

Mobillcash allows people with only a mobile phone to make a secure online purchase without a credit card or bank account, taking payment directly from a mobile phone credit or monthly bill.
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Do you really only need a mobile phone to make a purchase with Mobillcash?

Yes. The customer only needs his mobile phone. Simply enter your mobile phone number in the merchants payment page and click start payment. You will receive a text message to confirm purchase a second time, then you simply reply with a Y for Yes and the transaction is complete. You didn’t give out any personal or financial information so your personal ID is protected in the best possible way.
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Why would a customer pay all of the transaction fees?

There could be multiple reasons. They don't have any cash, credit, credit cards or bank account to make purchases of products, or they don't want to risk their personal or financial identification with online merchants.
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Untapped Market

How many mobile phones are in the world?

The subscriber count reached 3.3 billion in November 2007. Around 80% of the world's population enjoys mobile phone coverage as of 2006. This figure is expected to increase to 90% by the year 2010. Source: http://en.wikipedia.org/wiki/Mobile_phone
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Which countries have largest penetration of Mobile Phones?

China at over 500M subscribers is the largest. The U.K., Luxemburg, Hong Kong and other countries account for more mobile phones than people. On a numerical basis India is the fastest growing with 6 million new subscribers per month and just under 18% penetration rate and is expected to reach 500 million in 2010.
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Merchant Info

Why should my website offer Mobillcash as a payment option?

Mobillcash complements other payment options, by providing customers with a method of payment that does not require a credit card or bank card, and does not ask for financial information online. This allows merchants to increase revenues by reaching customers without cards, or those who are not comfortable paying with cards online.

Mobillcash also lowers your business risks by lowering chargebacks, guaranteeing payouts, and providing you with a full audit trail of all Mobillcash transactions.
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How does the Mobillcash process work for the Merchant?

Mobillcash has two ways of working with merchants.

1) Instant Pay Buttons - You create a simple payment button with a specific price and place it on your website. In this case you will be notified electronically each time a transaction is confirmed and completed. You can also view everything online in your Mobillcash.com merchant private back office.

2) Integrate Mobillcash: You integrate Mobillcash into your shopping cart. Once a transaction is complete we'll notify your shopping cart that the transaction is confirmed and it will process the order just as it does with credit cards. To learn more about how Mobillcash integrates with your site, visit our Merchant Tools section.
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How does the Mobillcash process work for the Customer?

Mobillcash is quick and easy to use. Customers choose to pay using Mobillcash and follow three simple steps below. Enter your mobile phone number, receive a free text message asking you to confirm the payment, you then will be billed by your mobile phone carrier. See Demo.
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How can a merchant allow a customer to be completely anonymous?

Mobillcash is uniquely integrated with mobile phone carriers and allows a customer to simply use their mobile phone number like a credit card and purchase goods and services online. Instead of being billed by a bank the mobile phone carrier will bill the customer.

The uniqueness of this allows the mobile phone customer to only give out his mobile phone number online and not disclose any personal or financial data to the merchant.
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How can a customer pay with Mobillcash and not have a credit card or bank account?

When a customer uses Mobillcash secure payment system they are agreeing to pay their mobile carrier for the transaction, and the mobile carrier will bill the customer. The mobile phone number, phone carrier and Mobillcash Mobile Billing system are the only items involved in completing the transaction. No personal information, bank account or credit cards are required to complete the transaction.
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How can a merchant accept a payment from a minor under 18 years old?

As long as your product is legal to be sold to minors then age limits are not required for the mobile carriers to accept the Mobillcash payment transaction without age verification.
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Merchant Benefits

What are the merchant benefits for using Mobillcash?

Mobillcash offers many benefits to the merchant including:

  • Increased revenues,
  • Increase market size and reach,
  • Lower business risks,
  • An increase in profits,
  • Merchants guaranteed payments,
  • No special website, software, tools or phone required,
  • No difference between local and international customers.

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When and how does a merchant get paid?

The merchant will be paid within seven days of Mobillcash receiving cleared funds from the operators. A carrier typically pays once per month after receiving phone bill payment from the customer, therefore most payments take between 60 and 90 days depending upon the network operator and country.
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How can you guarantee payments when the credit card companies, banks and other payment options can't?

Because of the way Mobillcash handles the transaction with the consumer, over 100 Mobile Carriers worldwide including some of the worlds largest such as AT&T, Vodafone, T-Mobile, Orange and others have agreed to pay for the transaction.

This guaranteed payment falls under International Telecommunications Acts as well as government laws that all Mobile Carriers use to make payments between each other. This delivers additional assurance that the payments will always be made in a timely manner.
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Why do you say No Risk to the Merchant?

We guarantee the payment on all completed transactions. Over 100 mobile carriers have approved the secure Mobillcash payment system and we’ve become the first full service mobile billing system that’s integrated with the worlds largest mobile carriers.
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How come Mobillcash states <0.03% charge backs, which are substantially lower than Credit Cards?

Because the mobile carriers guarantee payment charge backs rarely occur. The primary reason the merchants would see a charge back is if the merchants themselves don't deliver the product(s) or service(s) that the customer purchased.
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Merchant Technical

How is Mobillcash more secure than a Credit Card?

There is no personal or financial identification connected to your wireless phone number for someone to steal. Nobody can make a transaction without use of your phone number and your phone. A credit card is directly connected to your credit, financial and personal ID files, and if someone has your credit card numbers he doesn't need to have the card on hand to make the transaction.
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How does Mobillcash technically work on my Website

Mobillcash provides you with the information and links to paste into your website. Those links communicate with our servers where we host the payment solution and dynamic pricing engine. Mobillcash processes all of the charges to the customer's mobile phone bill or prepay account, and delivers all of the text messages in connection with the service. We then notify you electronically with the sales data. A merchant has access to a full audit trail and can track his orders in real time within the merchant private back office. Alternatively Mobillcash can be integrated into an existing shopping cart using advanced integration. Please contact us for more information.
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What ways can a merchant integrate Mobillcash into their website?

We have three main ways. First is to create instant pay buttons and use these for each product you want to sell; Second is to integrate Mobillcash into your existing billing system so every new product you add will automatically connected to the Mobillcash payment system; The third way is an advanced interface for multi-national companies or as a gateway service to the mobile payments world.
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How easy is it to install Mobillcash on a website?

It's quite easy. Most merchants can sign up and have a payment button ready for their website in a few minutes with our Mobillcash link creator. No programming or IT skills required.

We also have a secondary installation process where Mobillcash is integrated within your existing shopping cart. This will take a couple of hours of work, and most merchants are up and running in a day. We have staff available to walk you through the process.
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Individuals as Mobillcash Merchants

Can individuals sell with Mobillcash?

Yes. We don’t require you to have a business to sign up for a Mobillcash account.
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Can I sell my personal items with Mobillcash if I'm not a business?

Yes. You simply sign up for a merchant account and you can begin selling today.
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Customer Info

How do I pay with Mobillcash?

Enter your mobile phone number on a merchant payment page, receive a text message confirming payment, reply with a Y for Yes and you will be billed by your mobile phone carrier.
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Why should I choose Mobillcash over other payment options?

Mobillcash allows you to keep your financial details safe and avoid situations such as identity theft by not giving personal or financial information to the merchant. Mobillcash is also easy and convenient because there are no lengthy data fields to complete, no registration or accounts to set-up and no fussing with sending keyword text messages to short codes like SMS payments.
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Can a customer use Mobillcash if he has a Pre-paid phone service?

Yes, if the customer has enough pre-paid credit.
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How can a customer make a purchase without Cash?

With Mobillcash the customer is receiving instant credit from the mobile phone carrier. When the purchase is accept by responding with a Y for Yes to the text message the customer is giving approval to the Mobile Phone Carrier to bill them for the amount stated. The mobile phone carrier will actually be making the payment on the customer's behalf to Mobillcash.
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How is Mobillcash more secure than credit cards for customers?

A credit card is linked to personal, financial and public credit information. A Mobillcash transaction is only using the customer's mobile phone number. A Mobile Phone number is not directly connected to any personal or financial identification.

Additionally, the digital mobile phone systems are some of the most secure networks in the world.
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Can some merchants offering Mobillcash payments be less secure than others?

No. All merchants using the Mobillcash system are the same. All Mobillcash technology and security information is stored within Mobillcash not with the merchants.
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What will the customer see when they use Mobillcash?

We answer below, but it is so simple, why not just try it yourself. demo.

Simply choose to pay via Mobillcash. You’ll be prompted to give country and in some cases your mobile carrier, we’ll then show you the total price of the transaction and ask you to enter your mobile number and click start payment. Once you click start payment you’ll receive a text message requesting you reply with Y for Yes and confirm the payment. At the same time your status is on the computer screen tracking every step of the way in real-time. For example, once the customer responds to the text message, the response will immediately appear online confirming the acceptance. And, the transaction is complete.
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You state Mobillcash is like giving 30 days or more terms to customers. How does this work?

When a customer pays the merchant with Mobillcash the transaction is completed immediately. The mobile carrier will bill the customer on the next appropriate bill. If the customer's billing end date was yesterday then they would receive the bill typically 30 days from yesterday and assuming they have to pay this 15-20 days after receiving the bill, then in most cases the customer will get 30 or more days to pay the bill after making the purchase.
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How easy is Mobillcash for the customer to use?

Customers find it very easy. They only need to remember their mobile phone number and be able to reply 'Y' or 'Yes' to the text message they receive. No long credit card numbers, billing addresses, three-digit security codes, expiration dates or other similar items associated with online checks or credit card transactions.
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Can the customer view their Mobillcash payments online?

Yes, at www.Mobillcash.com we have an online verification and Phone Number Lookup for customers to view a personal billing statement.
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When will a customer have to pay for Mobillcash purchases?

Depending on the billing cycle and the date of purchase with Mobillcash, the amount purchased will be on one of your next two mobile phone bills as a Premium SMS charge. If you are a pre-paid mobile phone user then the amount will be immediately deducted from your available credit.
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Does the customer need to contact the mobile phone carrier prior to purchasing with Mobillcash?

No. Each carrier offers an automatic credit for each customer. Even customers on pre-paid services, if they have enough credit, can purchase with Mobillcash.
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Do you offer a referral commission if I recommend Mobillcash to a merchant?

Yes, please visit http://www.mobillcash.com/affiliates for more information.
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What if my Mobile Phone is lost or stolen?

First, we hope you remembered to lock your phone whenever it is was not in use. You should immediately notify your mobile carrier. From the time you notify them you are not responsible for any unauthorized transactions. No need to contact Mobillcash, we’re integrated with the mobile phone carrier and the moment they suspend a phone no transactions with that phone will be completed.
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Why did I receive multiple text messages after I replied with a Y for Yes?

There are different rules for each carrier and they can differ by country as well. In many cases after you approve the order you’ll receive 1,2,3, sometimes even 5 or 7 text messages automatically sent from the system all confirming your order. Think of these as receipts but broken up into pieces because of the rules or laws.
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