Fortumo’s platform provides merchants with access to two different payment methods:
Carrier billing: payments are deducted from the user’s SIM card balance or added to their next monthly phone bill
Mobile wallets: payments are deducted from the user’s mobile wallet account balance
Continue reading to find out which connections are supported for both payment methods.
Carrier billing payments can be collected by integrating one of the following Fortumo products: Unified SDK, Payments API & Web SDK.
The checkout flow for carrier billing payments is hosted end-to-end by Fortumo and uses one of three possible payment authorisation types:
Header Enrichment: the user’s phone number is detected through their mobile data connection and the user clicks “Confirm”, after which the payment is confirmed
PIN confirmation: the user is sent an SMS with a PIN code which they have to enter into the checkout window, after which the payment is confirmed
Premium SMS: the user sends a pre-defined SMS to a short code (4 or 5 digit phone number) during the checkout, after which the payment is confirmed
Integrating any of Fortumo’s products for carrier billing payments gives global access to collecting payments from customers of all mobile operators connected to our platform:
Connections available for Web SDK and PSMS API can be seen on the Fortumo Dashboard
Connections available for Unified SDK and Payments API can be seen on the Fortumo Dashboard (here is how to activate the Unified SDK product to see the connections)
Mobile wallet payments can be collected by integrating Fortumo’s Unified SDK.
The checkout flow for mobile wallet payments is partially hosted by Fortumo, for the payment confirmation the user is directed to their wallet account.
In order to confirm their purchase, mobile wallets provide their user with one of the following flows:
Unified SDK handles the different payment flows used by each wallet on behalf of the merchant. Only the “channel_code” payload parameter needs to be changed in the checkout window to direct the user to a specific wallet.
Learn more about the USDK integration for wallet payment methods here.
Definition explanations:
Wallet | Subscriptions | Authorisation type | Refund API | Desktop QR code payment |
---|---|---|---|---|
OVO | no | remote_auth | no | no |
ShopeePay | yes | redirect_auth, redirect_auth_on_payment | yes | yes |
Dana | yes | redirect_auth, redirect_auth_on_payment | yes | no |
GoPay | yes | redirect_auth, redirect_auth_on_payment | yes | no |
PayMaya | Yes | redirect_auth, redirect_auth_on_payment | yes | yes |
GCash | Yes | redirect_auth, redirect_auth_on_payment | yes | yes |
TrueMoney | Yes | redirect_auth, redirect_auth_on_payment | yes | yes |
Rabbit Line Pay | Yes | redirect_auth, redirect_auth_on_payment | yes | yes |
MoMo | Yes | redirect_auth, redirect_auth_on_payment | yes | yes |
Touch’n’Go | Yes | redirect_auth, redirect_auth_on_payment | yes | yes |
Grabpay(SG) | no | redirect_auth_on_payment | yes | no |
Grabpay (MY) | no | redirect_auth_on_payment | yes | no |
Toss | Yes | redirect_auth, redirect_auth_on_payment | yes | yes |
Kakaopay | Yes | redirect_auth, redirect_auth_on_payment | yes | yes |
Bellow you can find additional details on the mobile wallets that are available by integrating Unified SDK:
OVO is a mobile wallet in Indonesia with approximately 115 million registered accounts. The wallet was launched in 2017. For more information, visit https://www.ovo.id/.
Unified SDK handles the payment flow used by OVO wallet on behalf of the merchant. Only the “channel_code” payload parameter needs to be changed in the checkout window to direct the user to the OVO wallet.
Payment flow:
Dana is a mobile wallet in Indonesia with approximately 30 million registered accounts. The wallet was launched in 2018. For more information, visit https://www.dana.id/.
Unified SDK handles the payment flow used by Dana wallet on behalf of the merchant. Only the “channel_code” payload parameter needs to be changed in the checkout window to direct the user to the Dana wallet.
Payment flow for subscriptions and one-time payments:
GoPay is a wallet in Indonesia with approximately 25 million registered accounts. The wallet was launched in 2016. For more information, visit https://www.gojek.com/gopay/.
Unified SDK handles the payment flow used by GoPay wallet on behalf of the merchant. Only the “channel_code” payload parameter needs to be changed in the checkout window to direct the user to the GoPay wallet.
Payment flow for subscriptions and one-time payments (on mobile devices):
Payment flow for subscriptions and one-time payments (on desktop):
ShopeePay is a mobile wallet in Indonesia with approximately 56 million registered accounts. The wallet was launched in 2015. For more information, visit https://shopeepay.co.id.
Unified SDK handles the payment flow used by ShopeePay wallet on behalf of the merchant. Only the “channel_code” payload parameter needs to be changed in the checkout window to direct the user to the ShopeePay wallet.
Payment flow for one-time payments (on mobile devices):
Payment flow for one-time payments (on desktop):
Payment flow for subscription payments (on desktop)
PayMaya is a mobile wallet in the Philippines with approximately 12 million registered accounts. The wallet was launched in 2016. For more information, visit https://www.paymaya.com/.
Unified SDK handles the payment flow used by PayMaya wallet on behalf of the merchant. Only the “channel_code” payload parameter needs to be changed in the checkout window to direct the user to the PayMaya wallet.
Payment flow for subscriptions and one-time payments (on mobile devices):
Payment flow for subscriptions and one-time payments (on desktop):
GCash is a mobile wallet in the Philippines with approximately 20 million registered accounts. The wallet was launched in 2004. For more information, visit https://www.gcash.com/.
Unified SDK handles the payment flow used by GCash wallet on behalf of the merchant. Only the “channel_code” payload parameter needs to be changed in the checkout window to direct the user to the GCash wallet.
Payment flow for subscriptions and one-time payments (on mobile devices):
Payment flow for subscriptions (on desktop):
Payment flow for one-time payments (on desktop):
TrueMoney is a mobile wallet in Thailand with approximately 14 million registered accounts. The wallet was launched in 2015. For more information, visit https://www.truemoney.com.
Unified SDK handles the payment flow used by TrueMoney wallet on behalf of the merchant. Only the “channel_code” payload parameter needs to be changed in the checkout window to direct the user to the TrueMoney wallet.
Payment flow for subscriptions and one-time payments (on mobile devices):
Payment flow for one-time payments (on desktop):
Payment flow for subscriptions payments (on desktop):
Rabbit LINE Pay is a mobile wallet in Thailand with approximately 8 million users. The wallet was launched in 2016. For more information, visit https://line.me/en/pay
Unified SDK handles the payment flow used by Rabbit Line Pay wallet on behalf of the merchant. Only the “channel_code” payload parameter needs to be changed in the checkout window to direct the user to the Rabbit Line Pay wallet.
Payment flow for subscriptions and one-time payments (on mobile devices):
Payment flow for subscriptions and one-time payments (on desktop):
MoMo is the largest mobile wallet in Vietnam with approximately 25 million users. For more information, visit https://momo.vn/.
Unified SDK handles the payment flow used by MoMo wallet on behalf of the merchant. Only the “channel_code” payload parameter needs to be changed in the checkout window to direct the user to the MoMo wallet.
Payment flow for one-time payments on mobile devices:
Payment flow for one-time payments (on desktop):
Payment flow for subscriptions on mobile devices:
Payment flow for subscriptions payments (on desktop):
Touch'n'Go is a mobile wallet in Malaysia with approximately 10 million registered accounts. The wallet was launched in 2017. For more information, visit https://v2.touchngo.com.my/.
Unified SDK handles the payment flow used by Touch’n’Go wallet on behalf of the merchant. Only the “channel_code” payload parameter needs to be changed in the checkout window to direct the user to the Touch’n’Go wallet.
Payment flow for subscriptions and one-time payments (on mobile devices):
GrabPay is a mobile wallet in Singapore with approximately 5 million registered accounts. The wallet was launched in 2017. For more information, visit https://www.grab.com/sg/pay/.
Unified SDK handles the payment flow used by Grabpay wallet on behalf of the merchant. Only the “channel_code” payload parameter needs to be changed in the checkout window to direct the user to the Grabpay wallet.
Payment flow for one-time payments (on desktop and mobile devices):
GrabPay is a mobile wallet in Malaysia with approximately 25 million registered accounts. The wallet was launched in 2017. For more information, visit https://www.grab.com/my/pay/.
Unified SDK handles the payment flow used by Grabpay wallet on behalf of the merchant. Only the “channel_code” payload parameter needs to be changed in the checkout window to direct the user to the Grabpay wallet.
Payment flow for one-time payments (on desktop and mobile devices):
Toss is a mobile wallet in South Korea with approximately 19 million registered accounts. The wallet was launched in 2011. For more information, visit https://toss.im/en.
Unified SDK handles the payment flow used by Toss wallet on behalf of the merchant. Only the “channel_code” payload parameter needs to be changed in the checkout window to direct the user to the Toss wallet.
Payment flow for subscriptions and one-time payments (on mobile devices):
Payment flow for subscriptions and one-time payments (on desktop):
Kakaopay is a mobile wallet in South Korea with approximately 30 million registered accounts. The wallet was launched in 2014. For more information, visit https://www.kakaocorp.com/page/service/service/KakaoPay.
Unified SDK handles the payment flow used by Kakaopay wallet on behalf of the merchant. Only the “channel_code” payload parameter needs to be changed in the checkout window to direct the user to the Kakaopay wallet.
Payment flow for subscriptions and one-time payments (on mobile devices):
Payment flow for subscriptions and one-time payments (on desktop):