How does Onebip reduce the risk of customers not having enough mobile credit during a transaction?

Tip of the month from Gokmen Atak

Editor’s note: This is part of a monthly blog series by Gokmen Atak, Onebip’s Product Offer & Quality Specialist.  Gokmen aims to share his “Tips of the month” which includes product features and updates that Onebip partners can take advantage of to improve their mobile payment offering.  Please feel free to add your comments at the end of the post.

Carrier Billing (Direct Operator Billing and PSMS billing) mechanisms are the most convenient billing methods ever come in e-commerce from a consumer perspective. Consumers can pay safely and quickly just in seconds without entering any confidential information or filling out tiring forms. It promises very high conversion rates thanks to its simplicity such as one-click payments dramatically increasing the conversion rate and revenue.

Carrier billing is right now the only working mobile payment method on a global scale with its extensive use by reaching almost up to 7 billion mobile phone accounts potentially and is very much rooted in the telecommunications industry and controlled by the mobile network operators who charge directly on the customer’s phone bill or on the pre-paid balance.

However, not every consumer has enough prepaid balance at the moment of a transaction session or they have forgotten to top-up their balance before a transaction session to make the payment. Instead of losing the transaction session, we have developed two solutions to create other options to get the payment done in the same transaction session. This is not only a benefit for the consumer who wants and needs the product or the service at that moment but also for merchants who can sell their products or services without losing the customer already started the transaction session.

These two solutions are:

– The combination of different billing mechanisms

– The smart billing features

 

The combination of different billing mechanisms identifies the characteristics of a transaction and automatically determines the most convenient billing method (DOB, PSMS or ISP billing) and the type of consumer experience for each transaction session. This smart combined billing technology decides which billing method to use depending on whether the consumer is billable and then serves the consumer the best payment experience available for example, one click flow. It achieves more successful payments, a seamless payment experience and higher conversion rates for merchants.

We often think about “smart billing” as a concept of maximizing the billing success rate by using features like “Split billing” or “Pending user billing” which our platform uses to maximize the success rate of a transaction. The logic behind split billing is to “split” the total amount into different quantities that the user is most likely to have in his or her mobile phone credit balance or “split” the amount into several quantities until you find the mobile phone credit is acceptable enough to complete the transaction. The logic behind pending users billing is that if the activation attempt of the user is not successful because of any kind of error, but mostly because of insufficient balance, the request is reserved, put into the pending billing status, retried and the payment or the subscription service is activated once the user has enough mobile phone credit.

These solutions offer big advantages for merchants and consumers and require very deep market knowledge and very advanced technology with a powerful billing platform behind it. These features are automatically integrated in Onebip’s API and do not require an additional integration effort.

 

For more information please contact us at partner.relations@onebip.com 

Insight into Onebip’s Tech team dynamics: The best virtue is laziness!

Understanding team dynamics & time management to improve performance.

By Jacopo Romei, Lean Manager at Onebip

virtue-lazyness-eng-630x230

Would it be possible to combine productivity, bureaucracy, financial optimization with one of the biggest vices, laziness? Sure! As a matter of fact, in Onebip we went a step further and we made it a virtue!

In teams such as Onebip and companies like Neomobile, where we develop a high-quality software, and where at the same time the operational aspects are very strong, it is important to trace how people with technical skills spend their time. The people who create new tools for mobile payments today, tomorrow might be involved in customer service; those who spend an entire morning in a conference call with a vendor, in the afternoon might work on reducing the complexity of the architecture of our payment platform.

The reason why is that not all the time spent has the same value on the economic level. First of all, a company’s value is based not only on its revenues and its profits, but also on its assets, for example the value of its patrimony. To this we can add that a software platform that can meet the needs of a huge number of users in 70 countries around the world, connected with nearly 400 operators in each hemisphere, is indeed a very valuable! And since the value of a software platform is related to the nerd brain hours used in its development – the more hours spent, the more brains employed, the greater the financial value of the platform, we can establish a relationship between how Onebip developers spend their time and the value of the company. Easy, right? Read more

How does Onebip optimize the user interface?

 

Editor’s note: This is part of a monthly blog series by Gokmen Atak, Onebip’s Product Offer & Quality Specialist.  Gokmen aims to share his “Tips of the month” which includes product features and updates that Onebip partners can take advantage of to improve their mobile payment offering.  Please feel free to add your comments at the end of the post.

The end user experience is one of the most important aspects of any payment flow since the better the purchase experience  a payment flow has, the more payment conversion is secured. Carrier billing has a proven track record for its simple and seamless purchase experience and that’s why consumers are in love with carrier billing to purchase digital goods. At Onebip, providing the best streamlined experience for customers of our merchants is our duty and we follow a certain process to do this.

Firstly, the purchase experience of the end user is designed to keep into account the requirements imposed by regulatory bodies and carrier policies and secondly the available authentication and billing technologies but then optimized to increase the simplicity and experience of the transaction. The different payment flows (as you can read on my previous blog post here http://corporate.onebip.com/the-most-popular-billing-payment-flows-explained/) and the layout of the pages can have a very big impact on the final purchase conversion.

Today, I want to focus on how we optimize the user interfaces of our payment pages. We design and develop the layout and the user interface of our page according to the following process:

~ Collection of input from mobile networks and regulatory bodies.

~ Collection of input from merchants.

~ Collection and analysis of consumer behavior including historical transaction data and user purchase behavior and dedicated focus groups.

~ Selection of a master version among different versions based on the user behavior and market characteristics.

~ A/B Testing of minor optimizations (fonts, colors etc.)

~ Adaptation of all devices (PC, tablet, smartphone, feature phone)

~ Adaptation of all browsers and operating systems.

Please see below a preview of our payment pages on web with different versions that we can use according the different factors:

Onebip web payment pages

Please see below a preview of our payment pages on mobile web with different versions that we can use according the different factors:

Onebip mobile payment pages

Some characteristics of the our payment pages include:

~ Clean, modern and reliable formatting and layout focusing on the simplicity of the payment itself.

~ Clear and visible pricing information which can be customizable based on regulations such as VAT information and currency symbols and codes (i.e. $, £, USD) can be included on the appropriate places.

~ Fonts, font sizes and font colors can be adjusted based on the regulations.

~ Disclaimers, Terms and Conditions can be added on the page and their content can be customizable.

~ Steps and process to complete the authentication and payment are clear.

~ Buttons change the color automatically (color that usually psychologically induces to “go ahead”) once the number is inserted in the form.

In addition to the characteristics above, the look and feel of the Onebip payment pages can be totally customized and branded by using personalized logos, layouts and the graphics through our Skinnability API.

 

Onebip to attend and speak at PHP Day 2014, Italy 16 – 17 May

PHP Day 2014 logo

The Onebip Tech team will be attending and speaking at this year’s PHP Conference in Verona, Italy from 16 to 17 May 2014.

We’re happy to be part of this conference that’s dedicated solely to PHP development, technologies and management.  PHP Day aims to share new development trends, best practices and success cases related to quality, revision control, test-driven development and continuous integration.

Our very own Onebip developer, Giorgio Sironi, will be joining the international line-up of speakers with his talk: ‘How to test 2 years of behaviour for 16 countries in 4 minutes and 30 seconds’.  Giorgio’s session on Friday (11:00 – 12:00 CET) will look at how the Onebip team wrote fast Behat scenarios that could be verified while running in parallel.  He will run through how they employed time simulation to cover the evolution of user subscriptions in multiple countries and still maintained a test suite that could run at every new commit.

Here’s a quick summary of the event

When:                  Friday 16 – Saturday 17 May

Where:                Via Longhena, 42, 37138 Verona — Italy

Event:                 PHP Day is a conference dedicated solely to PHP development, technologies and management.

Onebip talk details

When: Friday 16 May from 11:00 – 12:00 CET

Where: Track 2, Room 2

Speaker: Giorgio Sironi, Onebip developer

Topic: How to test 2 years of behaviour for 16 countries in 4 minutes and 30 seconds

For more information, visit http://2014.phpday.it/

By Onebip Marketing

Onebip’s Federico Galassi to speak at jsDay in Italy, 14 May

Onebip at jsday 2014

Onebip Tech team’s Federico Galassi will be speaking at the first international conference on Javacript (by the PHP Day organisers) in Verona, Italy from 14 to 15 May 2014.

JS Day aims to share case studies, project management, new technologies, established technologies, development environments, best practices and mobile development – everything a javascript fan should know!

Onebip’s Federico Galassi, will be joining the international line-up of speakers with his talk: ‘The strange world of Javascript and all its little asynchronous beasts’.  Federico’s session on Wednesday May 14 (3.00 – 4.00 PM CET) will help stop Javascript from being an unfamiliar place to the unwary programmer and make it feel much more like home.

If you’re attending the event, make sure you attend Federico’s session on Javascript!

Onebip talk details

When: Wednesday 14 May (15:00 – 16:00 CET)

Where: Track 1, Room 1

Speaker: Federico Galassi, Onebip Tech team

Topic: ‘The strange world of Javascript and all its little asynchronous beasts’

Here’s a quick summary of the event

When:                  Wednesday 14 May – Thursday 15 May 2014

Where:                Via Longhena, 42, 37138 Verona — Italy

Event:                 jsDay is an event solely dedicated to Javascript – “The World’s Most Misunderstood Programming Language” as stated by Douglas Crockford on his blog.

For more information, visit http://2014.jsday.it/

By Onebip Marketing