Pay anywhere with mobile money

Pay anywhere with mobile money

Case Study: Telkomsel TCash Tap

Enabling mobile money at the point of sale using any mobile device

Mobile network operator Telkomsel Indonesia, the largest mobile operator in South East Asia, introduced TCash Tap to merchants across Indonesia, allowing Telkomsel’s more than 140m subscribers to tap and pay using any mobile device.

The shift to a cashless society is snowballing

Mobile and contactless

Payment acceptance worldwide is rapidly going cashless, mobile, and contactless.

Financial inclusion

Over two billion people and 200m small businesses around the world are underserved by formal financial services.

Serving the underserved

For providers of mobile money and banking services, there’s an enormous opportunity to help the next 2 billion do business.

The rise and rise of mobile money: A $380 billion opportunity

Accenture estimates that bringing unbanked adults and businesses into the formal banking sector could generate about $380 billion in new revenues for banking providers.

271 mobile operators

deploying mobile money wallets globally

93 countries

worldwide where mobile operators are deploying mobile money wallets

1.24 billion mobile money subscribers

in emerging markets by 2017

$78b mobile money market

by 2019, up from $12b in 2014

+

300b transactions a year

represented globally by every 10% of cash payments and 10% of plastic card payments that migrate to digital payments

$721b mobile payment

transaction volume worldwide by 2017

%

Countries worldwide with mobile wallets rolling out Youtap products

%

Mobile operators worldwide with mobile wallets rolling out Youtap products

Mobile wallet accounts to be accepted by Youtap products

Mobile subscribers in Youtap's reach

Tap into the opportunity and unleash the potential of your mobile money users by enabling them to pay at the point of sale

Youtap solutions are for Mobile operators

And also enliven

  • Transport operators
  • Remittance providers
  • Banks
  • Governments

Enabling mobile money and stored value acceptance at the retail, transport and street point of sale

Utilising

  • NFC tags and wearables
  • NFC phones
  • Cards (NFC, EMV, MSR)
  • QR codes
  • mPOS acceptance
  • Multimedia acceptance
  • Any mobile device

Incorporating

  • Loyalty programmes
  • Campaign management
  • Digital media advertising
  • Prepaid and gift cards
  • Biometric KYC
  • Merchant analytics

THE ANSWER TO THE QUESTION:

How do we build a successful retail-enabled mobile money service?

The Youtap Mobipay platform, the core of the Youtap Mobicommerce suite, is a contactless and non-contactless point-of-sale payment processing platform for mobile money wallets, with PCI-compliant card and scheme card payments, and integrated loyalty management.

Youtap Mobipay enables mobile money providers to offer tap and pay and card acceptance at the point of sale. Mobile money users then keep funds in their mobile money wallets rather than cashing-out. The payment experience is significantly faster than a mobile money transfer, and more secure than cash.

phonesvfpos

Enable merchants to accept contactless mobile money payments for everyday purchases:

  • Process mobile money payments in seconds, not minutes
  • Any mobile device, not just the top-end
  • Traditional POS, mobile POS and multimedia POS terminals that are fit for purpose
  • Seamless and secure user experience
  • Payments via NFC phones, tags, cards, wearables, QR codes
  • Cash-in, cash-out, pay bills, topup airtime at the point-of-sale
The biggest challenge for any mobile money provider is establishing simple options for the user to add cash to their account, beyond just at the point-of-sale. Youtap Mobipay supports the integration of multiple funding sources for an existing mobile money wallet:

  • Cash-in at the counter
  • Linked bank account transfers with auto topup
  • ATM transfers
  • International remittance transfers
  • Wage transfers
  • Government transfers
In addition to making mobile money super quick and easy to pay at the point-of-sale, loyalty and reward programmes enable a mobile money provider to offer a sticky, habit-forming service. Youtap Mobipay includes loyalty, reward and promotion management:

  • Offer rewards based on points, discounts, gift vouchers and coupons
  • Targeted promotions and campaigns based on customer usage and profiles
  • Encourage return in-store visits
  • Incentivise mobile money payments at the point-of-sale
Companion Cards

Releasing a complementary Visa or MasterCard attached to the mobile money account brings a number of benefits to users and also increases usage:

  • Your mobile money users can pay in any store where Visa and MasterCard are accepted
  • Your mobile money users can use their card around the world
  • Your mobile money users can pay online

Card Processing

Card processing enables a mobile money provider to leverage their point-of-sale footprint by accepting card and contactless transactions issued by banks and bank-aligned wallet providers:

  • PCI Compliant card and scheme card payments
  • Extend the payment options offered by your merchants
  • Maximise the value of your point-of-sale footprint
visa_2014_logo_detail

mc-291x164

Public transport services, particularly at the tier-2 and tier-3 level (buses, short buses, minivans, taxis, jeepneys, pedicabs, rickshaws, motorbike taxis), are a major opportunity for mobile money providers to transform. Youtap Mobipay enables mobile money providers to become the preferred way to pay for this daily required service:

  • Tap on / tap off payments (prepaid, credit or stored value)
  • Fit-for-purpose POS and mPOS acceptance devices
  • Immediate offline/online payment processing
  • Reduce cash and queues and provide a safe, secure service for transport operators

Youtap Omnipay enables mobile money providers to offer tap and pay at the point of sale. Mobile money users then keep funds in their mobile money wallets rather than cashing-out. The payment experience is significantly faster than a mobile money transfer, and more secure than cash.

phonesvfpos

Enable merchants to accept contactless mobile money payments for everyday purchases:

  • Process mobile money payments in seconds, not minutes
  • Any mobile device, not just the top-end
  • Traditional POS, mobile POS and multimedia POS terminals that are fit for purpose
  • Seamless and secure user experience
  • Payments via NFC phones, tags, cards, wearables, QR codes
  • Cash-in, cash-out, pay bills, topup airtime at the point-of-sale

The biggest challenge for any mobile money provider is establishing simple options for the user to add cash to their account, beyond just at the point-of-sale.

Youtap Omnipay supports the integration of multiple funding sources for an existing mobile money wallet:

  • Cash-in at the counter
  • Linked bank account transfers with auto topup
  • ATM transfers
  • International remittance transfers
  • Wage transfers
  • Government transfers

In addition to making mobile money super quick and easy to pay at the point-of-sale, loyalty and reward programmes enable a mobile money provider to offer a sticky, habit-forming service.

Youtap Omnipay includes loyalty, reward and promotion management:

  • Offer rewards based on points, discounts, gift vouchers and coupons
  • Targeted promotions and campaigns based on customer usage and profiles
  • Encourage return in-store visits
  • Incentivise mobile money payments at the point-of-sale

Companion Cards

Releasing a complementary Visa or MasterCard attached to the mobile money account brings a number of benefits to users and also increases usage:

  • Your mobile money users can pay in any store where Visa and MasterCard are accepted
  • Your mobile money users can use their card around the world
  • Your mobile money users can pay online

Card Processing

Card processing enables a mobile money provider to leverage their point-of-sale footprint by accepting card and contactless transactions issued by banks and bank-aligned wallet providers:

  • PCI Compliant card and scheme card payments
  • Extend the payment options offered by your merchants
  • Maximise the value of your point-of-sale footprint

visa_2014_logo_detail

mc-291x164

Public transport services, particularly at the tier-2 and tier-3 level (buses, short buses, minivans, taxis, jeepneys, pedicabs, rickshaws, motorbike taxis), are a major opportunity for mobile money providers to transform.

Youtap Omnipay enables mobile money providers to become the preferred way to pay for this daily required service:

  • Tap on / tap off payments (prepaid, credit or stored value)
  • Fit-for-purpose POS and mPOS acceptance devices
  • Immediate offline/online payment processing
  • Reduce cash and queues and provide a safe, secure service for transport operators

Monetise mobile money at the point of sale

With the Youtap Mobimedia platform you can leverage the latest smart multimedia POS screen space to bring rich media, counter-top advertising, and targeted campaigns and promotions to your mobile money point-of-sale services.

Reach customers at the point of purchase, where many purchase decisions are made.

Take advantage of tap-through opportunities and insights that are simply not possible with standard display advertising.

A joint venture between Youtap and Verifone.

Tier-1 merchants processing Youtap payments today

Youtap Announcements

Telkomsel officially launches NFC payments at KFC

JAKARTA, Indonesia, November 16, 2016 – Mobile network operator Telkomsel Indonesia, the largest mobile operator in South East Asia, has formally launched TCASH Tap across Indonesia. TCASH Tap is powered by near-field communications (NFC) technology developed by...

MTN ‘Tap&Pay’ goes live in Rwanda

KIGALI, Rwanda – Mobile network operator MTN and Verifone Mobile Money have teamed up to launch MTN Tap&Pay, a service that allows customers to use mobile money to pay for goods and services simply by “tapping” their phones on a merchant point of sale device. The...

Youtap’s Joint-Venture wins Best NFC-enabled Service Award!

We’re pleased to announce our Best NFC-enabled Service award win at the CEPI Asia Awards, along with high commendation in the Best Digital Solution category. Thanks to our partnership with Telkomsel T-Cash, we’ve been able to prove retail enablement is a driving force...

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