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Fast fact:
'British mobile users sent 20.5bn SMS messages in 2003.' - Mobile Data Association (MDA)
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General Questions
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Q. Who is Upaid?

A. Upaid provides a centralised m-payment processing platform to which banks, mobile operators and merchants can connect to enable mobile payment services for their customers.
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Q. What is HiPAAS and what does it stand for?

A. HiPAAS is Upaid's managed mobile payment service. The acronym stands for 'Highly Intelligent Payment Authentication & Authorisation Service' and describes the functions that the platform performs to enable end-to-end processing and delivery of mobile payment services: user authentication and management of payment authorisation for mobile transactions.
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Q. What is included in the HiPAAS managed service? Do I need my own hosting environment?

A. HiPAAS is an 'on demand' service and is the only mobile payments offer on the market that is a fully managed service rather than a simple software solution. The offering includes access to the advanced technology which powers a number of easy-to-use m-payment applications as well as a complete suite of consulting and support services required to implement and manage a mobile payments service. This provides the critical efficiency of centralised services to enable low-cost mobile transaction processing without the capital and human resource investment of an in-house operated solution. It requires no investment in additional systems or infrastructure by participating mobile operators, banks and merchants.
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Q. Is HiPAAS currently operational?

A. Yes. The platform is up and running and processing m-payments for real customers.
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Q. Who manages the hosting environment?

A. Upaid has a close working relationship with IBM for marketing and service delivery of m-payment applications. The technology which powers HiPAAS is hosted and managed in IBM's secure hosting environments.
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Q. Who can use HiPAAS? Is it for end-users?

A. Any entity seeking to offer a mobile payment service can use the platform to offer m-payment applications to consumers. This can include mobile operators, financial services organisations (banks, card associations or private label card issuers), merchants and service providers which use the platform to offer m-payment services to other participants. Upaid has no direct relationship with end-users.
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Q. What systems do we need to install to access the service?

A. None. HiPAAS is a managed service and operates over secure links for mobile operators, financial services organisations and merchants. Operators and banks simply connect to the platform. This connection is normally via a secure VPN link.
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Q. Who markets the m-payment services to consumers?

A. In an operator-led model, the operator markets the m-payment services to consumers; in a bank-led model, the bank does. For certain applications, merchants can also market the services and recruit customers. Typically, whoever offers the service to consumers also drives the marketing programme. Joint marketing efforts, however, by operators, banks and merchants help achieve maximum success of new services.

Alternatively, card associations can use the platform to offer an m-payment service to banks, mobile operators and merchants, and can actively participate in the marketing of services to end-users.

Upaid does not market services to end-users nor does the Upaid brand play a role in the marketing of mobile payment services to end-users.

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