The technology powering the Unified Payment Platform (UPP) m-payment applications has been designed for maximum flexibility in service configuration. The modular architecture of the technology enables multiple services to be configured and managed for multiple m-payment providers from the same platform.

The UPP authenticates users and manages authorisation of financial transaction in either real-time or via a batch process agreed with banks and/or merchants.

The platform's gateways connect the financial services and mobile communications worlds for highly secure and reliable processing of mobile payments. The platform also integrates with merchants' systems when real-time processing of mobile bill payments is required.

The underlying technology supports many standard protocols commonly used in both the financial services and mobile communications industries.