Payforit is a mobile payment service that allows consumers to make purchases and access premium content using their mobile phone number. It works by using an accredited payment intermediary that handles the billing to the mobile network. The consumer experience involves seeing a Payforit payment screen during an online purchase flow and agreeing to have the charge applied to their mobile account. Typical examples described are purchasing an upgrade on a flatshare site, buying a mobile game, and accessing paid search results on a directory site. The consumer always receives a confirmation receipt by text message after completing a Payforit payment.

1. Payforit Services
Rory Maguire
rmCommerce Ltd

2. What is Payforit?

3. One mobile payment facility
Lots of ways to purchase

4. Only Part of a consumer journey
Rebecca Jo - Dreamer
16 Songs
The Mobile Library>>
Rebecca Jo
Dreamer-DREMER
1. Dreamed
a dream
2. Homework Hell
3. Stuck in a rut
4. Late night
boogey
£1.25
£1.25
£1.25
£1.25
Search or Advert Discovery Purchase Delivery
Rebecca Jo - Dreamer
16 Songs
The Mobile Library>>
Rebecca Jo
Dreamer-DREMER
1. Dreamed
a dream
Downloading........
Merchant Intermediary Merchant

5. How does it charge to mobile?
• Uses the consumers mobile number
• Accredited Payment Intermediary (API) shows
Payforit screens to consumer
• Consumer agrees charge
• API applies charge to network
• When consumer is on 3G / 4G, network transfers
mobile number to Intermediary
• When consumer on WiFi Intermediary asks
consumer for mobile number

6. Typical Consumer Experience
Buying a premium service
from SpareRoom on
mobile

7. Spareroom is a flat share site
Early bird access gets to adverts faster

8. Consumer can see fresh ads but needs
to upgrade to contact advertiser

9. Early bird purchase via mobile
(mobile number not needed)

10. Typical Consumer Experience
Buying from Gameloft
using PC

11. Choose Game

12. Choose payment method

13. Enter Mobile Number into Payforit
screen

14. Payment Intermediary sends a text
and waits for response from consumer

15. When text response received,
consumer is billed to network and sent
a receipt

16. Typical Consumer Experience
Buying access to an ad
using HTML5

17. Touchlocal is a directory enquiry
service. Consumers pay for search
results (not yet launched)

18. Consumers enter a search requirement

19. Results screen asks for Payment using
iFrame

20. Typical Consumer Experience
Inside an App
sample

21. While in game play, consumer wishes
to purchase
Buy
10
gold
coins
£1
Buy
1
Gold
Bar
£5
FantaZy WorldZ

22. Payment Screen served by Payment
Library
Buy Now
Click “Buy Now “to purchase
10 gold coins for £1
CANCEL
This amount will be charged to
your mobile account or prepay
balance
Purchase subject to Fantazy
Worldz and Payforit terms
Need Help? Call 0305551234

23. ..and user always receives a receipt
PayforitMessages
FreeMsg: Thank you for your
payment of £3 for Super Widgets
from Factory Direct. HELP?
0305551234 or click
http://factorydirect.biz/content.asp
?ui=9155

24. Thanks