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MoCoPay enables your customers to pay for your services using their mobile phone. Mobile payment is immediate, cashless and cardless. Your customers will see the purchase they made on their next phone bill (post-paid SIM card) or the purchase amount will immediately be deduced from their phone (pre-paid SIM card). Mobile operator will pay out the collected revenue to MoCoPay, who will pay your share to you.

MoCoPay provides detailed technical guidance within the Developers section. If you are unable to find the answer to your question or have additional questions, please contact us via support@mocopay.com.

MoCoPay is an immediate, cashless and cardless payment method available worldwide. MoCoPay enables you to receive payment from your customer through their mobile phone bill.

To start using MoCoPay you only need to register for a free MoCoPay account and embed MoCoPay payment forms within your service web or app.

If you encounter any difficulty while integrating our system you should:

• check in our control box if there are any mismatches in parameters you are using
• download the latest library files (link for download is available in our control box)
• go through our developers guide again and check whether you took all mandatory steps
• if nothing above helped you, contact our support team.

Direct operator billing – DOB, or also commonly referred to as Mobile Content Billing – MCB, is a billing method used by mobile operators that does not require SMS to charge customer’s mobile bill. Using DOB, customers authorize the payment with a PIN code or with a click in the MoCoPay checkout.

Yes, MoCoPay makes sure to avoid any fraud risk and to protect users from overusing. Depending on the country, MoCoPay implements spending and usage limits recommended by local laws and regulations.

Yes, MoCoPay is fully compatible with all other payment methods like credit cards, PayPay, Skrill, etc. Furthermore, adding MoCoPay will enable you to extend your reach to more than 5 billion customers with mobile phones who do not use other payment methods.

Basically you can, there is no difference in most countries. If it is regulated by the local law, private persons have to declare earned revenue as their income. For VAT registered companies from Switzerland, the VAT is also added to the payout.

Yes, MoCoPay also supports subscription-based payments. To activate subscription-based billing, send a short note about your plans and countries you are interested in to support@mocopay.com .

MoCoPay enables your customers to pay for your services using their mobile phone. Mobile payment is immediate, cashless and cardless. Your customers will see the purchase they made on their next phone bill (post-paid SIM card) or the purchase amount will immediately be deduced from their phone (pre-paid SIM card). Mobile operator will pay out the collected revenue to MoCoPay, who will pay your share to you.

MoCoPay is an immediate, cashless and cardless payment method available worldwide. MoCoPay enables you to receive payment from your customer through their mobile phone bill.

MoCoPay enables you to reach 5 billion mobile phone subscribers who can pay for your services. Mobile payments have up to 10x better conversion than credit cards, there are 4x more mobile phones than credit cards, there is no age limit to owning a mobile phone and mobile phones are available in territories that do not monetize well with other methods. Do you need more reasons?

You can use MoCoPay to monetize numerous services. Most common examples are mobile and online desktop games, music, video and other entertainment products, premium accounts for social networks and dating, audio and video streaming, In-app purchases for digital content, mobile web payments for small web hosting and file storage packages, simple online software and tools, eBooks, ringtones, e-cards, photography etc.

Chargeback is the return of funds to the customer. MoCoPay will carefully evaluate every chargeback request and approve funds to be returned to the customer if it is legally binding. Most often, chargeback reasons are country specific cooling-off policies, minor users paying for the service without parents’ consent, etc.

Yes, MoCoPay does not pay out amounts less than 75 EUR.

MoCoPay pays out collected revenue depending on the country payment cycle. Payment cycle is the time needed to collect the money your services have earned. It varies from country to country and it takes usually several months. The payout is made after the revenue had been received from mobile operators and when the minimum payout amount is earned. You can see the length of the payout cycle for each country from your revenue shares file (log in to download).

No, MoCoPay does not require security deposits.

Your customers are always billed the amount that includes the local tax (VAT, sales-tax, etc.), but such taxes are typically handled by mobile operators. MoCoPay is sharing revenue from the customer’s price with taxes excluded i.e. the user is billed €10, VAT is €2 and payout percentage is 80%, you as a Merchant will get €6.4 to your bank account. All payout percentages found on countries page represent the end-user price without VAT.

MoCoPay pays out your earned revenue to your bank account (wire transfer). At the moment of payment, you will receive an email notification about the received payment. You will also get access to a generated invoice in the control box inside the statistics area.

You will be asked to provide your bank account details during the MoCoPay account registration. You can change those details anytime in your MoCoPay account settings.

Yes, it is possible to change your account details linked with your MoCoPay account anytime. To change your account details, log into the control box and go to your profile page.

Once you have your MoCoPay account, you will be able to access an online real time reporting of your collected revenue.

No. MoCoPaypays out your revenue without any additional taxes and withholding.

MoCoPay pays out your earned revenue to your bank account (wire transfer) or PayPal.

Yes, MoCoPay provides 24/7 support for our merchants and developers. You can contact MoCoPay support anytime, we usually respond within several hours or maximum 24hrs.

Yes, MoCoPay provides both helpline and e-mail support for your customers in 20 languages. Mocopay will ensure that your customers receive support regarding the payment process that fully complies with country and operator rules and regulation.

To start using MoCoPay you only need to register for a free MoCoPay account and embed MoCoPay payment forms within your service web or app.

No, MoCoPay only requires Merchants to register for a free account and accept Terms and Conditions.

No, MoCoPay does not require special NDA, only accepting Terms and conditions when registering for account.

MoCoPay account is free! There is no setup or monthly cost, it is and will remain free.

Opening a MoCoPayaccount is immediate. In case you want to use any advanced integration options, it will take up to 24hrs, not more.

MoCoPayenables you to receive payments from your customers in 60 countries and expanding. Check coverage for full list.

To add more countries or services to your MoCoPay account please log-in to the MoCoPay control box and create or edit your service. You can find the complete guide in the Developers Section.

You can close your account anytime by contacting MoCoPay support. We will also automatically disable all accounts that will have been inactive for a period longer than 6 months.

The most common reason is that the mobile operator will not deliver a reply message in case of unsuccessful payment. If you believe the billing has been successful, first check if the user has sent the message to the right short code and started the message with the right keyword. If everything is alright, then check your service settings – whether the service is still active and the back-end is properly set up. If no problem is found, please contact MoCoPay Support and explain the issue, while including the phone number of the customer with date and time the message was sent.

Most common reason for payment to fail is that the customer has insufficient funds in his prepaid mobile phone SIM card. In this case, the customer should top-up his mobile phone to be able to pay. Another reason that may cause failed payment is that the customer’s mobile phone is disabled for payments by his mobile operator, in which case the customer should contact his mobile operator and ask to be enabled. In rare cases other issues may cause payment to fail, like temporary technical issues, errors in service setup etc. If you suspect of any technical error, please let us know at support@mocopay.com.

Basically yes, but it depends on the country and mobile operator regulations. For more info on specific requests, please contact MoCoPay support.

What services and goods can be sold in particular country depends on local laws and regulations. Adult, lotteries, gambling and donation related services are strictly forbidden.

Contact MoCoPay team who will advise whether your service is acceptable for MoCoPay or how it can be modified to be acceptable.

We constantly work on expanding our coverage and most probably that particular country will be connected in the nearest future. You can also drop us a note at support@mocopay.com so that we could prioritize certain countries.

New services are approved within 48 hours after submitting the information.

To make a real-time test, validate the user experience and billing for your service, we suggest yo use www.simtest.it.

Simtest.it is available worldwide and enables you to make sure your services work correctly in more than 40 countries.

Yes it is. By default, MoCoPay enables you set your product image by configuring its URL in the control box during the service setup or by setting it through the API for each purchase. You will find more details on how this can be done within the Developers section. If you need more customization, we can offer you an unlimited number of changes. To do that, contact our support team with a short description about what exactly you need.

Yes, Mocopay MoCoPayenables dynamic change of language and currency at checkout, depending on the country where your customer makes the payment. It’s also possible to manually change the language.

MoCoPay provides detailed technical guidance within the Developers section. If you are unable to find the answer to your question or have additional questions, please contact us via support@mocopay.com.

Generally all countries native alphabets are used within MoCoPay incoming messages, exceptions from that rule are possible because of mobile operators’ specific restrictions.

All languages are supported. MoCoPay currently offers native libraries for Android apps and Web pages, the rest of programming languages are supported by using cross platform API integration.

MoCoPay uses attractive, responsive, HTML5 based payment forms which are presented to the customer before the actual purchase happens. For Android in some countries those forms are presented with native layouts and purchase flows are optimized for the platform. Exact content of the forms is country depended but, for general impression here is a preview of the forms:

Mocopay ensures best payment experience worldwide so it’s very important to ensure all language specific characters get displayed properly to your customers. Non-Latin letters used in SMS reply reduce the number of characters in an SMS, and this is the main reason why the limit is set to 120 characters.

If you encounter any difficulty while integrating our system you should:

• check in our control box if there are any mismatches in parameters you are using
• download the latest library files (link for download is available in our control box)
• go through our developers guide again and check whether you took all mandatory steps
• if nothing above helped you, contact our support team.

It is recommended to use a backend server to handle purchase results more efficiently because of the asynchronous nature of SMS message delivery. Alternatively, you can check your payment outcome by calling verifyPayment towards MoCoPay API server.