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Fast fact:
'UK mobile phone users to send 55 million text messages per day in 2004.' - Mobile Data Association (MDA)


Q. Who is Upaid?
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Q. What is HiPAAS and what does it stand for?
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Q. What types of mobile payment applications does HiPAAS support?
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Q. Describe a typical SMS-based bill payment service.
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Q. What is included in the HiPAAS managed service? Do I need my own hosting environment?
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Q. Is HiPAAS currently operational?
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Q. What about low-value payments? Can HiPAAS support cost-effective processing of micro-payments?
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Q. 'We are thinking of offering a stored value/e-money account to our users for the purchase of games and other low-value payments. Can Upaid help us with this?'
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Q. Who manages the hosting environment?
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Q. Who can use HiPAAS? Is it for end-users?
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Q. How does prepaid airtime top-up work?
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Q. What does a typical top-up message look like?
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Q. What systems do we need to install to access the service?
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Q. Who markets the m-payment services to consumers?
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Q. Can users top-up any prepaid mobile account?
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Q. What does a Friends & Family mobile airtime top-up message look like?
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Q. What technology is used for interacting with the user?
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Q. Does the user have to register?
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Q. Is IVR a possible channel with HiPAAS?
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Q. Do you offer SIM toolkits or J2ME support?
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Q. Can the user change the secret PIN or 'passcode'?
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Q. What languages does HiPAAS support?
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Q. Can users access the service whilst roaming?
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Q. Can maximum and minimum limits for transactions be set?
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Q. Can the system handle default transaction amounts?
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Q. For prepaid top-up, can the user be sent a low balance alert?
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Q. Can Upaid integrate the service to physical top-up points like ATMs, PoS devices and lottery machines?
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Q. Who supports individual customers if they have a problem or question?
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Q. Does HiPAAS support Verified by Visa and SecureCode?
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Q. What information does HiPAAS need to manage m-payments?
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Q. How does HiPAAS authenticate the user?
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Q. What if the user has the CLI switched off?
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Q. What currencies for payment are supported?
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Q. What payment types are supported?
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Q. 'Some of our users don't have credit cards, so tell me more about debit cards and bank accounts.'
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Q. What happens if the user requests a transaction but does not have the necessary funds?
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Q. How do we physically connect to the HiPAAS m-payment processing hub?
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Q. What are the interface points from HiPAAS to our systems?
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Q. How long does the interfacing take?
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Q. What SMS-C protocols does HiPAAS support?
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Q. For prepaid mobile top-up, what prepaid billing systems does HiPAAS support?
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Q. What about USSD?
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Q. What network interfaces are supported?
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Q. What types of support services are included with the offer? Does Upaid support the platform and the technology?
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Q. What equipment do I need to provide?
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Q. What security measures does HiPAAS use to ensure that customers' payment details are secure?
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Q. Is the PIN or 'passcode' used for m-payments the same 4-digit or 5-digit PIN used for card-based transactions (cash withdrawal at ATMs, PoS purchases, etc)?
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Q. Is paying for goods and services over mobile phones a secure way to pay?
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Q. What if a user's mobile phone is lost or stolen?
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Q. What if a user's registered credit or debit card is lost or stolen?
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Q. Who has access to customers' payment and account details?
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Q. Many m-payment projects have failed because there was essentially no business case driving them. What makes the types of applications Upaid is offering so different?
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Q. For prepaid top-up, how does HiPAAS reduce operators' recharge costs?
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Q. How much does it cost the user?
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Q. How can the Upaid HiPAAS benefit mobile operators?
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Q. What are the advantages of the bank-led model?
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Q. With which banks does Upaid work?
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Q. Our customers are comfortable using vouchers. Why would they use the SMS top-up service?
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Q. What do I need to provide in terms of human resources?
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Q. Is any integration necessary between the bank and the mobile operator?
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Q. In the event of a dispute with a customer, is there a full audit trail?
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Q. What methods of user registration are possible?
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Q. How do we get the registration details onto HiPAAS?
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Q. How can Upaid's HiPAAS benefit us?
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Q. Many of the applications Upaid proposes use SMS. Does this mean that the bank needs to have an SMS-C or an in-house SMS Gateway?
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Q. In what format are transactions forwarded to the bank?
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Q. What changes will have to be made to the bank's internal processing systems?
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Q. What happens to my existing Acquiring relationship with the mobile operator in the case of prepaid mobile top-up?
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Q. How does HiPAAS handle end-of-day settlement files?
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Q. How do I receive the settlement file?
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Q. What do I need to provide in terms of human resources?
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> Visit site
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Q. Is any integration necessary between the bank, mobile operator and/or merchant?
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> Visit site
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Q. What methods of registration are possible?
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> Visit site
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Q. How do we get the registration details onto HiPAAS?
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> Visit site
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Q. If I want to issue the PIN or 'passcode', can I do so?
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Q. In the event of a dispute with a customer, is there a full audit trail?
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> Visit site
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Q. Do users need special handsets to use HiPAAS-enabled mobile payment applications?
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Q. If users have a problem making an m-payment, whom do they contact?
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Q. Is it secure?
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Q. Are m-payments easy to make?
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Q. How do users keep their PINs or 'passcodes' secure?
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