MOBI.Money

The MOBI.Money system is a modern payment service that makes it possible to carry out various online payments directly from the personal account of a telecom operator, including using mobile phones. The simplicity and ease of use of the service provide it with a large number of users.

Story

This project began to be developed in 2003. The MOBI.Money service became the first company in Russia to implement the technology of payments from mobile accounts. This happened in 2010. Initially, the partner of this project was VimpelCom, but a year later Megafon and MTS systems were connected to it.

Two years later, in collaboration with MasterCard , resource Moby .D engi introduced into use virtual cards with the possibility of replenishment.

The central office of the company is located in Moscow, however, the developers of the system are located in St. Petersburg. The number of service users has already exceeded 13 million.

Service features

At the moment, the MOBI.Money system includes several blocks:

• Directly the service of mobile payments " Mobi . Money ".
• Service for fast replenishment of a mobile subscriber account by transferring funds from a bank card via SMS "3115.ru".
• Service of money transfers "Mobile payment Transfer".
• Pay2Day payment system for housing and communal services.
• Service of payment for communication services via an Internet browser or SkyPay SMS .

As can be seen from the list of services included in the project, the system is distinguished by an amazing variety of services offered.

The MOBI.Money service allows you to perform the following operations:

• Pay for a variety of goods and services, including services from the housing and utilities sector, satellite television, telephony services, and Internet providers . The list of nomenclature is very extensive and includes more than 4000 items.
• Top up your mobile phone account with a bank card via SMS.
• Top up subscriber accounts of other mobile operators.
• Carry out repayment of credit debts.
• Transfer money transfers to a mobile phone and withdraw them.
• Withdraw funds from a mobile phone account to bank cards or to another mobile account.

Replenishment of a bank card or subscribers mobile account, which is a kind of "money wallet" of the user, is carried out in the usual and most convenient ways.

MOBI.Money users in their reviews note the following advantages of this payment system:

• Ease of registration - just enter your mobile number in a special form on the system website, after which an SMS message with a password will be sent to it.
• No need to open a bank account.
• No need to install additional applications on your mobile device.
• Ease of making payments.
• High transaction speed.
• The ability to conduct transactions using SMS messages or an Internet browser .

Among the identified shortcomings of the service, the following aspects can be indicated.

• The presence of strict restrictions on the minimum and maximum transfer amount.
• Quite frequent crashes in MOBI Money , as evidenced by user reviews. It is hoped that such problems will be present exclusively during the debugging period of applications.
• A small number of service partners at the moment. The number of service partners already includes more than twenty Internet providers , but the administration of the resource is working to increase their number.

Depending on the status of the store where the product or service is purchased, the commission can be 0-5% of the transaction amount. Commissions for transfers are 5.95-6.95% of the payment amount and the operator plus a fixed amount in rubles. Nevertheless, the main emphasis of the service is not on low fees for payments, but on the fullest possible coverage of all services necessary for the user. A study of user reviews conducted by MOBI Money shows that they are willing to pay a slightly higher percentage for services when they are given the opportunity to pay for all the necessary receipts. However, if in order to make any payments (even if it is the only one) the client has to go to Sberbank, then the meaning of the service is lost.

In the future, the companys management sets itself the goal of consistently expanding the network of project partners and, as a result, attracting new users. In addition, it is planned to pay more attention to the sector of work with credit and debit plastic cards. The possibility of direct transfer of funds to credit cards will take the MOBI.Money service to a fundamentally new level.

Principle of operation

It is very easy to carry out transactions in the Moby. Money system . To do this, you need a mobile phone and a certain amount on his account. If the bank card is linked to the service, then the money can be debited from it.

The client chooses where the funds should be debited from: from a mobile phone account or from a bank card. After confirming the payment within a few minutes, it is credited to the recipient.

System security

The service management pays special attention to the reliability and safety of operations. The fraud monitoring system analyzes ongoing operations for unauthorized access or unauthorized use of funds.

The service has recently been re-certified by PCI DSS, which guarantees reliable protection of personal data of bank cardholders.

Taking into account the active work of the administration of the MOBI.Money system on expanding the range of services and user capabilities, there is reason to believe that in the near future this service will be included in the list of the most popular payment resources in Russia.