Cellular eWallet Technology

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Cellular eWallet Technology

• unique payment solutions for e-commerce,
  tele-sales, and retail markets

2
How does it work? Part I

• Customer enrolls their cellular phone number in
  MessagePay
• Customers payment methods are securely recorded
  in their MessagePay account
• During a purchase transaction the merchant
  sends a Pay Request to MessagePay for a specific
  cellular phone number (the customers)
• MessagePay validates the transaction and sends a
  Pay Request to the customer via cellular phone
  text message

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How does it work? Part II

• If a customer phone number is not enrolled, a
  message can be sent to the provided phone number
  prompting enrollment
• Enrolled customers receive a Pay Request message
  on their phone
• If the customer agrees with the charge, they
  simply reply to the Pay Request with their
  password and transaction number
• MessagePay does the rest and the customers
  payment information is kept private and the
  transaction is coded/listed as MessagePay Payment
  Services 1234567 (where 1234567 is a unique
  Transaction ID)

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Typical MessagePay implementationPart I
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Typical MessagePay implementationPart II
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Setup

• Merchant and Product/Service Approval
• Merchant Integration Options include
• A few lines of html code added to a site
• Full API integration that is a seamless
  purchase method
• Customized programs that are branded to a site or
  family of sites
• Client Enrollment/Signup (can be at time of
  purchase)

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Merchant

• For high risk products and services
• Branded solutions per market or program
• Full implementation includes our anti-fraud
  module. (updated automatically by system and
  manually, if desired, by program merchants)
• Fastest transaction clearing times based on
  program and merchant volumes

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Merchant

• For typical products and services
• Can operate under the MessagePay program or a
  branded solution
• implementations include our basic anti-fraud
  service. (updated automatically by MessagePay)
• Fast transaction approval, clearing, and optional
  marketing services

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Customer

• Requires a cellular phone with SMS service (major
  carriers in the United States only, more are
  being added all the time)
• Customer provides a US bank account, debit card,
  or credit card during enrollment as a Payment
  Method (more options are being added all the
  time)
• Customer can now make a purchase at a MessagePay
  merchant

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Billing

• Sending a Payment Request can be very simple.
• Easy integration to nearly any call center
  applications enables CSRs to start a request
• Huge variety of options for web integration to
  existing cart or purchase systems provides for
  all levels of technical skill
• MessagePay can also provide a simple
  cart/purchase option that can be used in many new
  or smaller implementations

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Payment Request

• Simple interactive message interface
• Customer responds to the message with their
  password and the unique transaction number
• Transaction completes quickly and securely

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Why do I need it?

• Alternative payment technology is becoming the
  most profitable and fastest growing market for
  online and phone-based services
• Fast, simple, and economical payment processing
  works without the complexities of traditional
  methods. The simple nature means more impulse
  buys in products and services

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Why do clients want it?

• Anonymous
• Limits or eliminates access to payment
  information
• Very Secure

• Transactions are not Merchant specific on the
  customers payment method (merchant only appears
  in MessagePay)
• The customers payment information never leaves
  the secured MessagePay system
• Payment Requests use our secured Short Message
  Service (SMS) that is more secure than web-based
  SSL

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How much does it cost?

• MessagePay is cheaper than nearly any other
  payment acquisition method (based on volume and
  merchant approvals)
• There are NO monthly minimum service charges
• Custom and Branded implementations are very
  reasonably priced

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Contact Us

• MessagePay The cellular wallet(sm)
• www.MessagePay.com
• Located in Sunrise, Florida
• Technology developed by industry veterans
• blakeb_at_mobilemercials.com
• Licensing and investment opportunities available