PAYMENT & mCOMMERCE

The use of the mobile phone as an extension of the physical wallet, bank account or credit card is in various stages of acceptance and use across the world. Some areas of the world, with little preceding infrastructure, are implementing mobile banking and transaction processing with high rates of acceptance and daily use. Other areas are just evolving into mobile payment and transaction processing as another, more convenient method of recharging a prepaid mobile account, loaning money to a friend, paying a bill, and more. Yet others are somewhere in between on the path of subscriber acceptance.

XIUS recognizes this continuum of acceptance and need, offering payment and mobile commerce solutions that allow the mobile operator to have the ability to meet their subscribers’ needs of today while also having the flexibility to readily expand those as their market demands.

XIUS’s Payment Manager offers mobile operators with the following features and benefits:

Promotions and Loyalty programs to differentiate service to subscribers
Settlements and commission management between the mobile operator and the sellers across the distribution chain
International Recharge allows mobile operators to quickly deploy prepaid payment across borders in partnership with international distributors and mobile operators.
USSD, SMS, IVR and Web subscriber touch-points provide the control and ease-of-use subscribers demand.
Peer 2 Peer funds transfer opens up new distribution channels
ePIN securely and cost-effectively delivers top-up PINs via integration to multiple point of sale applications
ISO 8583 standards compliance supports direct and secure interfaces
Open connectivity allows for seamless integration with retail locations, distribution channels,financials, service payment gateways and billing system
Stored-Value Account and Near Field Communication (NFC) solutions augment the capability of Payment Manager, logically extending functionality from recharge to full mobile commerce.
Mobile Banking Services are enabled via XIUS’s Wireless Wallet® solution

XIUS’s PayExtend offers mobile operators with the following features and benefits:

International distribution touch-points for mobile operators who are wanting to provide their subscribers and their families with the ability to easily and cost-effectively recharge phones in their home country.
Mobile operator access to U.S. payment processors who have long-established and broad distribution presence in locations that work for both the banked and unbanked
Offload recharge distribution management by having one agreement with XIUS and gain access to multiple top-up and recharge channels and thousands of touch-points.
Open connectivity for seamless integration between XIUS and the mobile operator’s billing systems.