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MOBI.Money

MOBI.Деньги

The MOBI.Money system is a modern payment service that makes it possible to carry out various online payments directly from the personal account of a telecom operator, including using mobile phones. Simplicity and ease of use of the service provide it with a large number of users.

 

History

This project began to be developed in 2003. Service MOBI.Money became the first company in Russia to introduce the technology of making payments from mobile phone accounts. This happened in 2010. Initially, VimpelCom was the partner of this project, but a year later Megafon and MTS systems were connected to it.

Two years later, in collaboration with MasterCard, the Mobi.Money resource introduced virtual cards with the possibility of replenishment.

The companys central office is located in Moscow, however, the system developers are located in St. Petersburg. The number of service users has already exceeded 13 million.

 

Service Features

At the moment, the MOBI.Money system includes several blocks:

Directly mobile payment service "Mobi.Money."
The service of fast replenishment of a subscriber account of mobile communication by means of transferring funds from a bank card via SMS "3115.ru".
Money transfer service "Mobile Payment Transfer".
Pay2Day utility payment system.
Payment service for communication services through an Internet browser or SMS-message SkyPay.
As can be seen from the list of services included in the project, the system is characterized by an amazing variety of services offered.

MOBI.Money service allows you to perform the following operations:

Pay for various goods and services, including services of the housing and communal services sector, satellite television, telephony services and Internet providers. The list of nomenclature is very extensive and includes more than 4000 items.
Replenish a mobile phone account with a bank card via SMS.
Top up subscriber accounts of other mobile operators.
To repay credit debts.
Transfer money transfers to a mobile phone and withdraw them.
Withdraw funds from a mobile phone account to bank cards or to another mobile account.
Replenishment of a bank card or subscriber mobile account, which is a kind of "money wallet" of the user, is made in the usual and most convenient ways.

MOBI.Money users in their reviews note the following advantages of this payment system:

Simplicity of registration - just enter your mobile number in a special form on the systems website, after which an SMS message with a password will come to it.
No need to open a bank account.
No need to install additional applications on a mobile device.
Ease of making payments.
High transaction speed.
The ability to conduct operations using SMS messages or an Internet browser.
Among the identified shortcomings of the service, one can point to the following aspects.

The presence of strict restrictions on the minimum and maximum transfer amount.
Quite frequent failures in the work of MOBI. Money, as evidenced by user reviews. It is hoped that such problems will be present exclusively during the debugging period of applications.
A small number of service partners at the moment. Among the partners of the service already includes more than twenty Internet providers, but the administration of the resource is working to increase their number.
Depending on the status of the store where the product or service is purchased, the commission may be 0-5% of the amount of the transaction. Transfer commissions comprise 5.95-6.95% of the payment amount and the operator plus a fixed amount in rubles. Nevertheless, the main focus of the service is not on low fees for payments, but on the most complete coverage of all the services a user needs. A study of user reviews conducted by MOBI.Money shows that they are willing to pay a slightly higher percentage for services when they are given the opportunity to pay all the necessary receipts. However, if the customer has to go to Sberbank to make any payments (even if it will be the only one), then the meaning of the services is lost.

In the future, the companys management sets itself the goal of successively expanding the network of project partners and, as a result, attracting new users. In addition, it is planned to pay more attention to the sector of working with credit and debit plastic cards. The ability to directly transfer funds to credit cards will bring the MOBI service. Money to a whole new level.

Principle of operation

Carrying out operations in the Mobi system. Money is very simple. To do this, you need a mobile phone and a certain amount in his account. If the bank card is tied to the service, then money can be debited from it.

The client chooses where the funds should be debited from: from a mobile phone account or from a bank card. After confirming the payment for several minutes, it is credited to the recipient.

 

System security

The service management pays special attention to the reliability and safety of operations. The fraud monitoring system analyzes the ongoing operations for unauthorized access or unauthorized use of funds.

Recently, the service re-passed the PCI DSS certification, which guarantees reliable protection of personal data of bank card owners.

Given the active work of the administration of the MOBI.Money system to expand the range of services and user capabilities, there is reason to believe that in the near future this service will be included in the list of the most popular payment resources in Russia.