Payment via SMS initiated by Customer

• Customer can send a SMS “PAY <Merchant Code> <amount> CC” to 5667766 or 9212156677 (Here CC refers to credit card)
• Customer receives an IVR call and is prompted to enter credit card number, expiry date,OTP (Mandatory for card issued in India) and CVV number
• Customer receives a confirmation SMS regarding the transaction
• Merchant receives confirmation SMS and email regarding transaction as well
• Merchant can view the transaction via cellPAY web interface

Payment via Call Centre – Manual assisted

• Customer calls the Merchant call center and wishes to make payment
• Agent puts the customer on hold and calls cellPAY IVR number
• Agent enters the merchant id, customer’s mobile number, amount and mobile number to be recharged on IVR as prompted
• Agent connects the customer in conference call with the IVR
• Customer enters the credit card number, expiry date,OTP(Mandatory for card issued in India) and CVV number as prompted on the IVR
• Customer and agent are updated on the transaction status by IVR
• Customer receives a confirmation SMS regarding transaction
• Merchant receives a confirmation SMS and an email regarding transaction
• Agent can check the transaction via cellPAY web interface

Payment via IVR initiated by Merchant

• Merchant sends an IVR call to customer mobile number. Merchant can also send an IVR call to customer via cellPAY web interface or via SMS.
• Customer receives an IVR call and is prompted to enter credit card number, expiry date,OTP(Mandatory for card issued in India) and CVV number
• Customer receives a confirmation SMS regarding the transaction
• Merchant receives a confirmation SMS and an email regarding transaction as well
• Merchant can view the transaction via cellPAY web interface

Payment via SMS initiated by Merchant

• Merchant sends a SMS to customer mobile number. Merchant can also send a SMS to customer via cellPAY web interface or via SMS. The SMS contains instruction on making payment
• Customer replies to SMS with “OK <code>” and sends it to 5667766 or 9212156677
• Customer receives an IVR call and is prompted to enter credit card number, expiry date,OTP(Mandatory for card issued in India) and CVV number
• Customer receives a confirmation SMS regarding the transaction
• Merchant receives a confirmation SMS and an email regarding transaction as well
• Merchant can view the transaction via cellPAY web interface

Payment via website initiated by Customer

Customer can pay via merchant website through the following payment options:

• Credit Card
• Debit Card
• Net Banking
• Cash Card

The Process Flow

• Customer visits the merchant website and selects the product to order
• At the check out page, customer selects to pay via cellPAY
• Customer is redirected to cellPAY URL
• Customer is asked to select a payment option
• Depending on the payment option selected, customer is asked to enter relevant authentication details
• After the payment is complete, the customer is redirected to the merchant website

• Login details provided to Merchants for accessing cellPAY website
• Detailed transactions MIS available for successful transactions
• Transactions MIS available for failed transactions as well
• Users can download data in excel file
• Users can search for transactions based on various search criteria

• Dedicated Risk / Fraud management team dedicated to screen and analyse transactions
• Transaction limits on mobile number and credit card
• Customer cannot exceed limit of transaction value per day, per month
• Customer cannot exceed limit on number of transactions per day, per month
• Automatic real-time email alerts send on multiple transactions through same mobile number and credit card
• Automatic reports send on transactions through same mobile number and credit card
• Facility to block mobile number and credit card, if suspect fraud

• In a payment gateway a merchant id is required from the Bank
• Merchant can get payment gateway merchant id from their current bank and cellPAY payment platform can be integrated with the same
• Alternatively, cellPAY can help merchant get payment gateway merchant id from the Bank
• Payment will go directly into Merchant’s account for the same

For Merchants

- Fraud check and low cost transactions
- Instant conversion of leads into clients
- Improving brand image
- Remote payments
- Competitive advantage

For Consumers

- Convenience of 24x7x365 Online Support
- Highly secured platform
- Instant payment confirmation
- Prompt transaction closure

For Enterprises

- Transparency in Risk Management and Fraud
- Customer delight enhances loyalty
- Competitive edge to acquire new customers
- Increased revenue
- Easy Scalability

• 24*7 customer support
• Standard testing and monitoring
• Quality service
• Skilled resources and manpower