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A Multimedia Messaging Service can also deliver barcodes which can then be scanned for confirmation of payment by a merchant.
This is used as an electronic ticket for access to cinemas and events or to collect hard goods.
This process is familiar but any entry of details on a mobile phone is known to reduce the success rate (conversion) of payments.
In addition, if the payment vendor can automatically and securely identify customers then card details can be recalled for future purchases turning credit card payments into simple single click-to-buy giving higher conversion rates for additional purchases.
Mobile payments are becoming a key instrument for PSPs and other market participants, in order to achieve new growth opportunities, according to the European Payments Council (EPC).
The consumer uses web pages displayed or additional applications downloaded and installed on the mobile phone to make a payment.The merchant involved is informed of the payment success and can then release the paid for goods.Since a trusted physical delivery address has typically not been given, these goods are most frequently digital with the merchant replying using a Multimedia Messaging Service to deliver the purchased music, ringtones, wallpapers etc.It will result in revenue share of mobile money reaching up to 9% by 2018.Asia and Africa will observe significant growth for mobile money with technological innovation and focus on interoperability emerging as prominent trends by 2018.
Mobile web payment methods are now being mandated by a number of mobile network operators.