Following the German mobile operator payment test, Maik Klotz will examine the UK market situation next. In the period 11 to 15 December Maik will take a look at the 4 segments infotainment, entertainment, ticketing and software & tools. This field test will again be supported by the mobile payment provider DIMOCO and the online media mobile zeitgeist!
this is the case with provider payment, too. Whenever I was prompted to enter my cellphone number to make a payment, I felt uncomfortable. Admittedly, the feeling was a subjective one, but when I asked round, my friends said they felt the same. The main argument against paying by cellphone number is the fact that the cellphone number is considered part of one’s private sphere, and one fears that unauthorized payments could be made with that number. This is a problem in general for this payment method. This fear is not entirely unfounded, as amendments to the German Telecommunications Act show. These are to protect consumers from unauthorized transactions by means of the so-called third party supplier stop. Once activated, no payments can be made anymore via the cellphone bill until the consumer activates it again. If no such stop is activated, purchases are billed with the cellphone bill. If the mobile service provider does not provide access to the connection log, one has to wait until the end of the transaction to see if the amount was correctly billed via the cellphone bill. The advantage of provider payment is its simplicity and anytime-anywhere availability. Whether you are using a smartphone or a Nokia dinosaur, provider payment works regardless of QR codes or NFC. But payment is about more than just technology.Trust plays an essential role. The established payment provider suppliers have built up this trust over years, some more and some less. Compared with this, provider payment is like a black hole. There is no communication whatsoever, no contact person, no consistent image or information about even where one can use provider payment. A common interface to the customer is missing. Every other payment method is easily recognizable, even if it’s just a logo. It is a bit puzzling why there is nothing similar for provider payment. Similarly, there is no customer portal in which all purchases are itemized, no telephone number to call to stop provider payment or to fix a limit. With an app for the smartphone equivalent to a customer portal. A single, superordinated wallet, not another new insular solution. Considering that provider payment does not appear in a favorable light where trust is concerned, this is a grave omission. Conclusion Provider payment, or cellphone payment, is technically flawless, fast and easy to use. However, it lacks a brand, it lacks „one face.“ There is no visible support service, no one to call, no customer platform. Payments are made – the money is gone – and the payment transactor moves invisibly behind the curtain. This „secret personality“ is what makes provider payment appear difficult. Provider payment suppliers should also try to protect users from possible abuse and advertise the advantages of this method. Provider Payment suppliers should also set up a unified standard and a single communication channel to protect consumers from abuse and to demonstrate the advantages of this payment method.
“Since the beginning of the week I have been intensively testing so-called operator payment.
Operator payment means that the amount due is not debited from a bank account but via the mobile operator’s bill. In principle the payment is made with the cell phone number, postpaid. The amount payable is then itemized on the monthly mobile operator bill.
Paying for content via mobile operators has been around for years. Although regulated differently today, operator payment became chiefly known at the beginning of 2000 to purchase mobile games and ringtones. Today, in addition to the established payment
methods, one finds many opportunities to pay using the cellphone number, and not just for ringtones.
This payment method is particularly useful for very small amounts, as no additional registration or login are required. The cellphone number suffices to initiate payment, which is then legitimized by a transaction code sent by SMS.
In my test this worked quickly and easily, without any problems. A conclusion and comment about the role operator payment can play in the mobile payment sector will follow in my final report.”
Author and mobile payment expert Maik Klotz tests mobile operator payment in Germany. The innovative payment method is used to pay for digital content via the mobile operator’s bill. Under the motto „every day a different sector,“ Maik Klotz tests a another content segment every day. In the period 28 to 31 October he will therefore be scrutinizing the infotainment, entertainment, ticketing and software & tools sectors. This practical test will be supported by the mobile payment provider DIMOCO and the online media mobile zeitgeist
First results will be available on twitter https://twitter.com/Dimoco https://twitter.com/klotzbrocken, the complete report will be available after the field test on mobile-zeitgeist and the Mobile Payments Blog.