MobiCash Payments

The MobiCash Payments eWallet is simple to use and offers your merchants a more inclusive way of accepting payments, as the service is not tied to any device, operating system, card, token or payment network.

MobiCash provides consumers with unlimited payments options, from cards to xPays and other tokens, as well as the ability to view their transaction history, create reports and better understand their spending habits. The super app offers simple registration and customer onboarding, with full account activation, as well as a guest checkout option. Passwords and PINs can be tied to biometrics for increased convenience. As MobiCash is merchant agnostic, in order to increase customer convenience, additional information can be securely stored within the app, such as car registrations, email addresses, ID numbers and other relevant information.

With eInvoicing from MobiCash Payments your merchants can create a bill in a few clicks and generate a payment link/request that can be sent to their customers via various channels or pushed directly into the consumer’s MobiCash super app. eInvoicing is universal – any customer can pay your merchant whether they have an existing MobiCash account or not.

MobiCash Payments supports several loyalty program models, which can be run at a PSP/ISO level, as partnership merchant programs or by individual merchants. Loyalty programs include bonus points collection, digital vouchers or discounts and promotions when paying with MobiCash. The service can be customised to offer tailored loyalty programs.

MobiCash offers so much more than typical eWallets. It is a payments super app with the capability to become a financial super app.

On the issuing side, you can board your existing customers and their various payment methods directly into the service’s super app, in batch mode or individually. Going forwards, MobiCash lets your customers add any payment option you make available to them, from all types of payment cards to xPays and other tokens, such as bank accounts. We can work with you to support whatever payment method you wish to offer in the future, including loyalty cards and programs. For new customers, the super app enables simple registration with full account activation, as well as a guest checkout option. Passwords and PINs can be tied to biometrics for increased convenience. Customers can view their transaction history, create reports and better understand their spending habits.

As MobiCash is merchant agnostic, in order to streamline the customer journey, additional information can be securely stored within the app, such as email addresses, ID numbers, car registrations and other relevant information.

With MobiCash you can extend your reach to the cardholders (payment method holders) of other banks, who can connect their existing payment methods into the wallet, enabling them to pay at your merchants. Once boarded as MobiCash customers, the super app can then be used to promote your banking services to competitors’ customers and encourage conversions.

The financial super app is not only about making it work for your customers and satisfying the requirements of the issuing side of your business, it also lets you fully serve and support your acquiring business - merchants, service providers, PSPs, ISOs, fintechs and more.

Payment acceptance

Based on push payments and designed for universal payments acceptance by any business, MobiCash offers more than just your standard QR codes. Alongside static, quasi-static and dynamic QR codes, the service assigns a unique identifier to every bill enabling, for example, MOTO merchants to take mobile payments securely over the phone without handling any card data.

Equally suitable to online and physical merchants, the MobiCash service can be integrated into websites and POS terminals, with options for biometric payments to cut queues. Merchants also have a MobiCash POS app where they can generate bills in-person, remotely, or by pushing bills directly to the customer’s app. MobiCash is so versatile and multi-faceted, it lends itself to any merchant business model, from your typical retailer to more specialised businesses that have unique payment requirements - such as utilities, petrol stations, charities, event organisers, and resorts. In order to cater for this wide range of business, MobiCash allows customisation via scripts that are plug-and-play so there is no need to redesign the framework of the app, and it doesn’t have to be continuously republished in the app store, saving you time, cost and effort.

The super app offers each merchant a homepage as standard, that can be enhanced with advertising packages and linked to an in-app marketplace, giving merchants all of the advantages of an m-commerce platform at a fraction of the cost. For service providers, such as utilities, educational establishments, or property rental companies, there is also eInvoicing and recurring billing. These merchants can create a bill in a few clicks and generate a payment link/request that is sent to their customers via various channels or pushed directly into their MobiCash super app.

Advertising

MobiCash offers your merchants bespoke advertising packages that can boost their brand visibility and attract new customers, announce new products/services and promotions without needing a website or large investments in online campaigns. Your merchants can measure campaigns with built-in analytics and use these insights to inform future campaigns.

Loyalty

MobiCash supports several loyalty programs for both the issuing and acquiring sides of the business, or those that link them together. These can be run at an issuer level, PSP/ISO level, as partnership programs or by individual merchants. Loyalty programs include bonus points collection, digital vouchers or discounts and various promotions whether merchant or banking services related. The service can be customised to offer tailored loyalty programs, including features such as cashback.