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Merchant Payment

Contactless mobile payment for the point of sale.

Anyone can securely and conveniently use their cell phone to make purchases in a store. This revolutionizes electronic payments by:

Offering retail payments to the billions of un-banked mobile phone owners
Attaining “SIM card-present” security level for mobile transactions

Any cell phone can be used without prior enrollment or special apps.

Salim accepts mobile payments in his grocery store. His customers don't use cards but they all have phones. By accepting mobile payments, Ahmed reduces the amount of cash in his drawer and decreases his exposure to cash-related risks.

Retail: How it Works

Customers

TagPay customers can make purchases in participating stores using their cell phone to sign for the transaction. The customer’s account is loaded through the various encashment channels which are built into the TagPay platform.

Merchants

Merchants can accept payments using a low cost “Mobile Payment Terminal” (MPT) or their own mobile phone. The TagPay MPTs are designed to provide quick and user friendly point of sale transactions with similar ergonomics to card payment terminals.

TagPay Retail Transaction

Paying a merchant using TagPay is done as follows:

The merchant enters the amount due in his TagPay terminal.
The customer enters their phone number and TagPay pass code.
TagPay verifies this information and calls the customer’s phone.
TagPay sends an NSDT™ chirp through the MPT and the transaction is authorized once the customer’s phone hears it.

The customer’s TagPay account is debited and the merchant receives the payment on their bank account.

Retail: Benefits

Retail payments can be made using any mobile phone in the world
Extremely Secure—the phone must be physically present to sign the transaction
Simple to use—just answer a phone call and bring it towards the chirp
Designed for retail environments where quick and simple payment is a must
Low cost and rapid time-to-market
No cash, no cards, no SMS, no hassle

Retail: Case Example

Orange Money

Orange Money (Orange Telecom's mobile payment offer) uses NSDT™ and part of the TagPay platform to allow Orange Money customers to use their mobile for the purchase of goods and services in a store.

Orange customers use Orange money for money transfers, bill payments, and other mobile financial services. Thanks to TagPay’s merchant payment solution Orange is able to offer their clients a mobile money solution that is as practical as cash and much more secure. TagPay brings Orange “the last mile” and effectively enables Orange to transform cash-out costs into revenues from retail transactions.