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MobiCash


Mobicash and Bhartiya Mahila Bank partner for open loop prepaid wallet

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FAQs

What is Mobicash?

How it Works?

How to open a Mobicash account?

How to load money onto your Mobicash account?

How to pay a merchant using your cell phone?

How to make purchases online using Mobicash?

Can I get a receipt for my Mobicash purchases?

How can I transfer money using Mobicash?

How much does Mobicash cost a Client?

Can a Mobicash merchant contact me?

What  if I lose my cell phone?

How secure is Mobicash?

How long is the money in my Mobicash account valid?

How can I cancel my Mobicash account?

How to become a Mobicash merchant?

Who is behind the MobiCash service?

Where to get help or more information?

The advantages of Mobicash mobile payment solution


What is Mobicash?

Mobicash is the complete mobile payment solution available on 100% of mobile phones.

With Mobicash, clients can make purchases on the web or with participating merchants using their mobile phone. Send money to others by calling +91 080-67604000 or on the web at http://www.mobicashonline.in.

Mobicash can work as a prepaid account system that uses the mobile phone as the payment device.

Clients load their account with participating merchants or on the web. Its as simple as answering a phone call.

Forget cash, coins, and cards... Use your phone for hassle-free and highly secure payments and money transfers.


How it Works?

The secure authentication and payment validation technology underlying Mobicash is called NSDTTMNSDTTM uses the phone's audio channel to transmit secure information used to electronically sign transactions.

All phones can make payments using Mobicash no matter what type of handset they have or which network operator they belong to. You do not need to modify your phone or load any special application to be able to use Mobicash. To obtain more information on NSDTTM, technology visit www.tagattitude.fr


How to open a Mobicash account?

Creating a Mobicash account is free and easy. To open an account by phone, call +91 080-67604000 from the cell phone you wish to use for your Mobicash account and follow the instructions to set a passcode. To open an account on the web click New Client on the Mobicash Client login page.


How to load money onto your Mobicash account?

You can recharge your Mobicash account on the web using a payment card or directly through authorized merchants and agents using any accepted payment method.

To load an account on the web (http://www.mobicashonline.in), first access your client space securely by answering your cell when Mobicash calls to authenticate you. Click the Credit icon. To load an account with a specific merchant, click on the credit icon for that merchant.  This will bring you to a secure payment website where your card information will be entered and processed.

To add money to your Mobicash account with a Merchant or Agent, first pay them the amount that you wish to load on your account (by cash, card, or other accepted payment methods). The merchant or agent will invite you to enter your phone number in the terminal. When Mobicash calls you answer the call and dip your phone in the terminal. A text message will be sent to you to confirm the transaction.


How to pay a merchant using your cell phone?

With Mobicash, you can use your cell phone to make purchases in your favorite participating stores. Paying in a store is easy. Simply:

  1. Enter your phone number and passcode in the merchant's terminal.
  2. Mobicash will call you- answer the call and dip your cell phone in the terminal.
  3. Your purchase will be confirmed by text message.

How to make purchases online using Mobicash?

Online merchants can accept payments by Mobicash conveniently and securely on their e-commerce sites. When checking out on the website, click on the Mobicash icon when selecting your payment method. You will be automatically redirected to the Mobicash secure payment site where your cell phone will be used to complete the transaction.


Can I get a receipt for my Mobicash purchases?

Mobicash can send you an email every time you spend using Mobicash or recharge your account. You can set your account preferences to best manage and track your Mobicash purchases. You will also get an SMS after each transaction.


How can I transfer money using Mobicash?

No matter what your money transfer needs are, Mobicash has a very convenient solution. Just log in as a client on http://www.mobicashonline.in, and click on the money transfer icon on your Mobicash account homepage. To send money dedicated to a specific merchant account click the gift icon next and click on the icon next to a merchant in the lsit provided. You will be asked to enter the recipient's phone number and you may write a personalized message that will be included in the text message sent to the recipient. Anyone can receive a gift, they do not need to have a Mobicash account; they only need a phone.


How much does Mobicash cost a Client?

Currently, opening a Mobicash account is 100% free. There are no obligations and you may cancel your Mobicash account at any time. Remaining credit is non-refundable in the event of account termination.


Can a Mobicash merchant contact me?

From time to time, your favorite merchants may send special offers or other information to your phone or email through Mobicash. Mobicash protects your identity and phone numbers are never disclosed to merchants or any third party. Merchants can only send text messages or e-mails to their clients through Mobicash and communications are controlled to prevent spamming.  You may change your account settings at any time to control whether and how Mobicash merchants may communicate with you.


What  if I lose my cell phone?

Your Mobicash account is linked to your phone number. Therefore, if you lose your phone and are able to keep your phone number you will be able to use your Mobicash account with your new phone. If you cannot keep your old phone number, you must request a number change procedure form from Mobicash. Number change procedures are strictly regulated and require proof of old and new number accounts. You must have completed your Mobicash enrollment on your Client account settings page to be able to complete the number change procedure. Rigorous security is necessary to prevent fraudulent number changes.


How secure is Mobicash?

Mobicash transactions are made using Tagattitude's patented NSDT technology. This technology provides a very high level of security (smart card level) for both online transactions and transactions with participating merchants. The security of Mobicash also rests on the security of your phone's SIM card, which is incorruptible. As long as you have your phone and secret passcode, no one can use your Mobicash account. Access to your client space on the Mobicash website is equally protected using NSDT and access is only granted if the phone is present.

Mobicash does not store any payment or credit card information. This sensitive information is only used by certified payment service provider partner PayBox during recharge transactions. PayBox handles account recharge transactions securely and keeps user information protected.

Mobicash never discloses client phone numbers, emails, or other information to merchants or any other third party.


How long is the money in my Mobicash account valid?

Your prepaid Mobicash credit is valid one year from the date of last recharge. You will be notified by email 1 month prior to the expiration of your credit so that you can think to recharge your account or use your remaining account.


How can I cancel my Mobicash account?

To cancel your account, email your request to Tagattitude at  JLIB_HTML_CLOAKING . Your account will be canceled within 24 hours. Please note that any remaining Mobicash credit will be lost and cannot be reimbursed or used once the account is canceled.


How to become a Mobicash merchant?

If you are a merchant interested in offering a Mobicash system to your clients, sign up now and we will provide you with the entire system free of charge (this offer is only valid while Mobicash is in Beta). A transaction fee of 1% per transaction will be applied. Becoming a Mobicash merchant is very simple: just contact Tagattitude at  JLIB_HTML_CLOAKING . Tagattitude will then send you a Mobicash service contract and once this contract is returned you will receive a Mobicash terminal used to accept payments. You will be given all of the necessary information to launch and run your Mobicash system and will have access to a merchant space on the Mobicash website where you can set, manage, and monitor your Mobicash system.


Who is behind the MobiCash service?

MobiCash is an innovative technology company that develops payment and security applications based on the mobile phone. Mobicash provides the platform as a white label solution to banks, telecom operators, and payment services providers who are looking to offer secure and accessible mobile payment solutions.


Where to get help or more information?

For all technical and practical questions, please email  JLIB_HTML_CLOAKING .


The advantages of Mobicash mobile payment solution

There are many advantages of Mobicash.

Functions immediately using any phone

Mobicash works on all phone models and network operators. No phone modifications or downloads are needed. Mobicash facilitates light and automatic enrollment. No airtime is required since Clients receive phone calls when making transactions.

User Friendly

Paying is as easy as answering the phone. IVR assistance in operations and voice-only services allows for accessible services for low literacy users.The quick transaction time (~2 seconds to send, hear, and match an OTP) and simple process makes Mobicash fun and simple to user.

Respects Privacy

Proximity transactions can be made without sharing sensitive information or phone numbers. Respecting privacy is a requirement in retail transactions and Mobicash makes sure that Clients' information is kept confidential.

Scalable and Viral

No new hardware is required-even Mobicash's mobile payment terminals for merchants are optional. Mobicash uses standard architecture for an easy interface with any bank back-office, payment scheme, or PSP. All that is needed for enrollment is a phone number making the system very viral.

Extremely Secure

Mobicash capitalizes on secure architecture of telecom services and SIM cards to offer smart card grade security. The phone's audio channel is encrypted; thus, unlike SMS based transactions, the data sent using NSDT is completely secure since it travels on the audio channel.

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