Payforit is a mobile payment method which allows uers to pay with their mobile phone account. When users choose Payforit, the charge is added to their mobile phone bill or deducted from their prepaid credit. Payforit is a set of payment flows and a trustmark; developed by the four UK Mobile Network Operators – Three, Vodafone, EE and O2, as well as PhonepayPlus. This guide explains everything you need to know about the scheme, and how it is offered at mobile casinos.

1. The Ultimate Guide to
Payforit
and how it is used
at UK Mobile
Casinos
This guide is produced
by Droid Slots
www.androidslots.co.uk

2. Table of Contents | The Ultimate Guide to Payforit
What is Payforit?
Who can use Payforit?
Where to use Payforit?
Benefits for consumers and merchants
How is Payforit implemented?
A user’s guide on how to use Payforit
UK mobile casinos that offer Payforit

3. What is Payforit?
Payforit is a simple and safe way
for consumers to purchase
online digital content and
services.

4. Payforit makes it easy to pay on your mobile.

5. Payforit enables the consumer to do this:
Phone bill payment
is like saying:
Put it on my
phone bill,
thanks!

6. The cost is deducted from your phone credit.
If you are a
Pay As You Go user

7. Or added to your monthly phone bill.
If you have a Monthly
Mobile Phone Contract

8. Payforit is a
collaboration.
It is created and supported by
all UK mobile network operators.
The major networks in the UK
are EE, Virgin Media,
O2, Three and Vodafone.

9. Payforit is also
supported by
regulators.
This includes PhonepayPlus,
AIME and Ofcom.
This makes Payforit
very safe; we’ll explain
more later.

10. Payforit is a regulatory
framework.
It defines the role of:
• The payment intermediaries
• The mobile networks
• The merchants
• The regulators

11. Payforit is a set of
guidelines.
It defines the mobile
consumer experience
flows, and the
responsibilities of
different stakeholders.
You can download the Payforit
scheme rules here.
It’s 143 pages long!

12. Payforit is payment
flow system.
Payforit dictates how
money is passed between
users and merchants.

13. A stamp of approval that
customers can recognise
and rely on.
Payforit is a
trustmark.
This is legit!

14. Who can use
Payforit?
Anyone with a UK mobile
phone number.
Any mobile device can run
Payforit, as long as it can
connect to the Internet.

15. You can use Payforit with any network:
The major networks: EE, Virgin Media, BT, O2, Three, Vodafone
And the mobile virtual networks: Tesco, Lebara, giffgaff, LycaMobile, Asda, Co-operative

16. You don’t need a credit card or bank account.
No more credit
cards!

17. Payforit is supported on all devices.
Mobile phones, desktops, laptops, smart TVs, game consoles and tablets
Payforit defines a Consumer Experience Flow for every device!

18. The Payforit guidelines
ensure that Payforit works
in the exactly the same
way at every merchant and
with every mobile network
operator.
Payforit is consistent on any device.

19. Where can you use
Payforit?
• AppStores
• iTunes
• Mobile casinos
• Donation to charity
• Anywhere that sells online
digital content!
You can also use Payforit in
the Google Playstore!

20. Benefits for
Consumers
It is convenient, secure and easy
to use.

21. 1. It is convenient.
You don’t have to sign
up or register for an
account.
No need to locate your
wallet, find your credit card
and enter 16-digits, billing
address, expiry date…
No need to run to a
shop to purchase
Ukash vouchers.

22. 2. There is clear pricing information.
All the costs and details are
clearly displayed before every
purchase.
You also get text receipts via
text message, notifications
and spend reminders.
Do you want to buy 180 coins
for £1.00? It will be charged to
your mobile phone bill.

23. 3. Payforit protects your personal
information.
You will not pass any personal banking
details (card details, bank account
numbers) to the merchant.
You’ll authorise every transaction before
purchase.
Hence, there is zero chance of fraud!

24. 4. It is secure.
Only official Payforit intermediaries approved by mobile networks are
allowed to operate this service. Every party has a well-defined role in
ensuring payment security.
• The regulator, PhonepayPlus sets out the 12th Code of Practice, which
defines all the rules and regulations every party must follow.
• Each mobile network monitors the mobile casinos to ensure that they
follow the contractual conditions and laws.
• The Accredited Payment Intermediaries guides merchants through
the law, and carries out risk control audits and due diligence.
• The casinos (or any merchant for that matter) must display their
prices and terms and conditions clearly, protect their customers’
phone numbers and provide after-sales support.

25. • Clear and accurate pricing information
• Robust proof of consent to charge
• Access to terms and conditions
• Full post-transaction support
• Full audit trails for a minimum of six months
Legally, the Payforit scheme is defined as a Controlled Premium Rate
Service (CPRS) by Ofcom, using powers set out in s120(3) of the
Communications Act 2003. This means that the Payforit scheme falls
under PhonepayPlus’ regulatory remit and must abide by
PhonepayPlus Code of Practice.
4. Payforit regulations include:

26. Benefits for Merchants
• Quicker and easier to set up than
credit card systems
• Security and ease of use for you
and your consumer
• Expansion of potential customer
base
There are more mobile phones in the
world than there are credit cards!

27. How is Payforit
implemented?
There are many parties
involved!

28. These are the different parties involved

29. Graphic from official Payforit Scheme Rules
And this is how
the different
parties work
together.

30. 1. Merchant/ Mobile Casino
Merchants are the customer-facing
business that promotes a product/
service and supplies the shopping
experience.
Businesses that suit phone bill payments
include: mobile casinos, apps, newsstands,
etc.
If a business wants to operate Payforit services,
it contacts a payment intermediary of their
choice.

31. 2. Accredited Payment Intermediary
These are the middlemen in the transactions,
connecting mobile networks, customers and
merchants.
• The API set up relationships with different mobile
network operators, debiting their customer accounts.
• The API sets up the payment interface for the
merchant and handles the consumer during the entire
payment process.

32. 2. Accredited Payment Intermediary
The API works behind-the-scenes to provide the
actual payment gateway.
• They provide the software library, design transaction
screens and develop the entire technical system.
• They carry out due diligence and risk control; send text
receipts to users; track Payforit transactions and
collect data for auditing.
• They stay up-to-date with the regulations and make
changes to their payment processes when necessary,
without requiring any developmental effort from the
merchant.

33. Some services offered by Dialogue, a payment intermediary

34. 3. Mobile Network Operators
Mobile network operators controls the consumer’s phone account by:
• Collecting payments from customers
• Transfering money to the APIs, i.e. the amount that is successfully billed from
consumers
The MNOs also update the Payforit scheme. They keep the scheme relevant by tracking
changes in technology and market demands.

35. 4. Regulators
PhonepayPlus is an independent regulator for all
phone paid services in the UK. This organisation:
• defines the Code of Practice and ensure compliance among
all Payforit members, so that consumers can use Payforit
with absolute confidence.
• investigates consumers’ complaints and bars companies
that break the rules.
In the UK, every business must register with PhonepayPlus
before accepting payment via phone bill.
You can read PhonepayPlus’ Statement on the regulation of
Payforit here.

36. 4. Regulators
Ofcom regulates communication services in the UK
(including TV, radio, mobiles, fixed lines and
airwaves)
AIME protects network providers and the payment
intermediaries (the company that sets up the billing
engine.)

37. LEARN ABOUT IT HERE
Technology behind
Payforit
Payforit is powered by a
technology called Direct
Carrier Billing.
Learn more in our feature
article:
“How Phone Bill
Payments Work”

38. How do you use
Payforit?

39. I used it at Pocket
Fruity Mobile
Casino.
Pocket Fruity uses
Boku, one of
Payforit’s
Accredited
Payment
Intermediary.

40. You may be
presented with 1-
step or 3-step
Payforit screens,
but just follow the
instructions on
screen!

41. This video demonstrates how to deposit by
phone bill at mobile casinos
Watch on YouTube here.

42. Using Payforit
safely
Guide for consumers

43. Keep track of your transactions
You can also check
your phone bill, either
the printed copy or on
your online portal.
SMS receipts are
sent immediately
after each
transaction.
Check that all the
details are as you
expect.

44. Don’t loan your device to someone else.
Take extra care around
children! Don’t let them just
press buttons. Activate parental
controls where available.
Don’t allow other people to
use your data (tethering)
as they can incur charges
to your account.

45. Read the terms and conditions
If in doubt, you should not
complete the purchase. Contact
the merchant for more
information.

46. Pay As You Go users should make sure that they have
sufficient credit before paying.
If there isn’t enough credit, the transaction will fail and
you may be blacklisted by the merchant after a few
times.
In most cases, you’ll need at least £10 credit.
Top up before you play/ buy anything

47. Your phone network operator
sets a credit limit to help you manage
your spending and avoid unauthorised
charges.
It also protects them from bad debt.
There is also a £30 daily limit, as
directed by the Payforit scheme.
O2 users are limited to £30 each
month!
Learn your transaction limits
Text message: You
have reached your
credit limit.

48. If you want to block Payforit payments…
* Note:
Blocking phone bill payments ≠ blocking
marketing text messages
1. Contact your mobile network provider to disable
premium rate services
2. Complain with PhonepayPlus, the regulator for
phone-paid services in the UK
For a detailed explanation of each step: please read
our complete guide on blocking phone bill payments.

49. Take note: No bonuses when you use Payforit
at mobile casinos
The mobile casino can’t afford
to give you bonuses!
Each stakeholder takes a share of
the revenue.
The merchant only receives about
55%!
In contrast, businesses receive about
85% revenue share with Visa. The
industry is working on this matter.

50. Take note: you can’t withdraw via Payforit
Money only flows in one direction.
Mobile casino players should select another
banking option when withdrawing.

51. Contact the merchant.
Mobile casinos would assist
you to withdraw your money.
This image explains how >>
If you face any difficulties,
contact your mobile network
provider. Under the Payforit
scheme, they are required to
provide assistance after the
transaction has occurred.
If you would like refunds or returns…

52. Which mobile
casinos accept
Payforit?
A comprehensive list of all
Payforit casinos in the UK

53. Which mobile casinos offer Payforit?
Pocket Fruity
Best Features:
Unique fusion slots
and games with
feature trails
Pocket Win
Best Features:
Classic slots that you
can download onto
your mobile device
Spin Genie
Best Features:
Adventure Island, in
which players unlock
bonuses and level up
mFortune
Best Features:
Incredibly social
mobile poker app and
exclusive games

54. Paddy Power
Best Features:
Often hosts great
promotions and
maintains a hilarious
Facebook feed
Elite Mobile
Best Features:
Reliable and stylish
gameplay on any
mobile device
LadyLucks
Best Features:
1 million players who
enjoy its popular
mobile slot games
Moobile Games
Best Features:
Hosts games that are
tailor-made for smaller
mobile screens
Which mobile casinos offer Payforit?

55. Bet and Move
Best Features:
Hosts well-known
games that UK
players love
Winneroo
Best Features:
£5 Free Welcome
Bonus and popular
mobile games
Very Vegas
Best Features:
Neon lights and
gaudy theme on
point! Lots of
jackpots too
Touch My Bingo
Best Features:
As its name goes,
great options for
Bingo players
Which mobile casinos offer Payforit?

56. Fruity King
Best Features:
Games and website
are easy to use on
mobile
Fruity Phone
Best Features:
Its games include
popular progressive
jackpots
Mr Mobi
Best Features:
Good customer
service and reliable
platform
Vegas Mobile
Best Features:
Hosts
frequent promotions
and good jackpots
Which mobile casinos offer Payforit?

57. Chomp Mobile
Casino
Best Features:
Frequent payouts on
all of its mobile slots
Northern Lights
Mobile Casino
Best Features:
20 cheery slots and
jackpots, free £5 for
new players
Jackpot Mobile
Casino
Best Features:
£250,000 jackpot on
every slot offered on
the site
Sapphire Rooms
Mobile Casino
Best Features:
High-quality mobile
slots, Roulette and
Blackjack
Which mobile casinos offer Payforit?

58. For more
articles and
news on mobile
payments:
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