The Ultimate Guide to Payforitand how it is used at UK Mobile Casinos

This guide is produced by Droid Slots

www.androidslots.co.uk

Table of Contents | The Ultimate Guide to Payforit

What is Payforit?

Who can use Payforit?

Where to use Payforit?

Benefits for consumers and merchants

How is Payforit implemented?

A user’s guide on how to use Payforit

UK mobile casinos that offer Payforit

What is Payforit?Payforit is a simple and safe way

for consumers to purchase

online digital content and

services.

Payforit makes it easy to pay on your mobile.

Payforit enables the consumer to do this:

Phone bill payment

is like saying:

Put it on my

phone bill,

thanks!

The cost is deducted from your phone credit.

If you are a

Pay As You Go user

Or added to your monthly phone bill.

If you have a Monthly

Mobile Phone Contract

Payforit is a collaboration.It is created and supported by

all UK mobile network operators.

The major networks in the UK

are EE, Virgin Media,

O2, Three and Vodafone.

Payforit is also supported by regulators.This includes PhonepayPlus,

AIME and Ofcom.

This makes Payforit

very safe; we’ll explain

more later.

Payforit is a regulatory framework.

It defines the role of:

• The payment intermediaries

• The mobile networks

• The merchants

• The regulators

Payforit is a set of guidelines.It defines the mobile

consumer experience

flows, and the

responsibilities of

different stakeholders.

You can download the Payforit

scheme rules here.

It’s 143 pages long!

Payforit is payment flow system.Payforit dictates how

money is passed between

users and merchants.

A stamp of approval that

customers can recognise

and rely on.

Payforit is a trustmark.

This is legit!

Who can use Payforit?Anyone with a UK mobile

phone number.

Any mobile device can run

Payforit, as long as it can

connect to the Internet.

You can use Payforit with any network:

The major networks: EE, Virgin Media, BT, O2, Three, Vodafone

And the mobile virtual networks: Tesco, Lebara, giffgaff, LycaMobile, Asda, Co-operative

You don’t need a credit card or bank account.

No more credit

cards!

Payforit is supported on all devices.

Mobile phones, desktops, laptops, smart TVs, game consoles and tablets

Payforit defines a Consumer Experience Flow for every device!

The Payforit guidelines

ensure that Payforit works

in the exactly the same

way at every merchant and

with every mobile network

operator.

Payforit is consistent on any device.

Where can you use Payforit?• AppStores

• iTunes

• Mobile casinos

• Donation to charity

• Anywhere that sells online

digital content!

You can also use Payforit in

the Google Playstore!

Benefits for ConsumersIt is convenient, secure and easy

to use.

1. It is convenient.

You don’t have to sign

up or register for an

account.

No need to locate your

wallet, find your credit card

and enter 16-digits, billing

address, expiry date…

No need to run to a

shop to purchase

Ukash vouchers.

2. There is clear pricing information.

All the costs and details are

clearly displayed before every

purchase.

You also get text receipts via

text message, notifications

and spend reminders.

Do you want to buy 180 coins

for £1.00? It will be charged to

your mobile phone bill.

3. Payforit protects your personal information.

You will not pass any personal banking

details (card details, bank account

numbers) to the merchant.

You’ll authorise every transaction before

purchase.

Hence, there is zero chance of fraud!

4. It is secure.

Only official Payforit intermediaries approved by mobile networks are

allowed to operate this service. Every party has a well-defined role in

ensuring payment security.

• The regulator, PhonepayPlus sets out the 12th Code of Practice, which

defines all the rules and regulations every party must follow.

• Each mobile network monitors the mobile casinos to ensure that they

follow the contractual conditions and laws.

• The Accredited Payment Intermediaries guides merchants through

the law, and carries out risk control audits and due diligence.

• The casinos (or any merchant for that matter) must display their

prices and terms and conditions clearly, protect their customers’

phone numbers and provide after-sales support.

• Clear and accurate pricing information

• Robust proof of consent to charge

• Access to terms and conditions

• Full post-transaction support

• Full audit trails for a minimum of six months

Legally, the Payforit scheme is defined as a Controlled Premium Rate

Service (CPRS) by Ofcom, using powers set out in s120(3) of the

Communications Act 2003. This means that the Payforit scheme falls

under PhonepayPlus’ regulatory remit and must abide by

PhonepayPlus Code of Practice.

4. Payforit regulations include:

Benefits for Merchants

• Quicker and easier to set up than

credit card systems

• Security and ease of use for you

and your consumer

• Expansion of potential customer

baseThere are more mobile phones in the

world than there are credit cards!

How is Payforitimplemented?There are many parties

involved!

These are the different parties involved

Graphic from official Payforit Scheme Rules

And this is how the different parties work

together.

1. Merchant/ Mobile Casino

Merchants are the customer-facing

business that promotes a product/

service and supplies the shopping

experience.

Businesses that suit phone bill payments

include: mobile casinos, apps, newsstands,

etc.

If a business wants to operate Payforit services,

it contacts a payment intermediary of their

choice.

2. Accredited Payment Intermediary

These are the middlemen in the transactions,

connecting mobile networks, customers and

merchants.

• The API set up relationships with different mobile

network operators, debiting their customer accounts.

• The API sets up the payment interface for the

merchant and handles the consumer during the entire

payment process.

2. Accredited Payment Intermediary

The API works behind-the-scenes to provide the

actual payment gateway.

• They provide the software library, design transaction

screens and develop the entire technical system.

• They carry out due diligence and risk control; send text

receipts to users; track Payforit transactions and

collect data for auditing.

• They stay up-to-date with the regulations and make

changes to their payment processes when necessary,

without requiring any developmental effort from the

merchant.

Some services offered by Dialogue, a payment intermediary

3. Mobile Network Operators

Mobile network operators controls the consumer’s phone account by:

• Collecting payments from customers

• Transfering money to the APIs, i.e. the amount that is successfully billed from

consumers

The MNOs also update the Payforit scheme. They keep the scheme relevant by tracking

changes in technology and market demands.

4. Regulators

PhonepayPlus is an independent regulator for all

phone paid services in the UK. This organisation:• defines the Code of Practice and ensure compliance among

all Payforit members, so that consumers can use Payforit

with absolute confidence.

• investigates consumers’ complaints and bars companies

that break the rules.

In the UK, every business must register with PhonepayPlus

before accepting payment via phone bill.

You can read PhonepayPlus’ Statement on the regulation of

Payforit here.

4. Regulators

Ofcom regulates communication services in the UK

(including TV, radio, mobiles, fixed lines and

airwaves)

AIME protects network providers and the payment

intermediaries (the company that sets up the billing

engine.)

LEARN ABOUT IT HERE

Technology behind PayforitPayforit is powered by a

technology called Direct

Carrier Billing.

Learn more in our feature

article:

“How Phone Bill

Payments Work”

How do you use Payforit?

I used it at Pocket Fruity Mobile Casino.

Pocket Fruity uses Boku, one of Payforit’sAccredited Payment Intermediary.

You may be presented with 1-step or 3-step Payforit screens, but just follow the instructions on screen!

This video demonstrates how to deposit by phone bill at mobile casinos

Watch on YouTube here.

Using PayforitsafelyGuide for consumers

Keep track of your transactions

You can also check

your phone bill, either

the printed copy or on

your online portal.

SMS receipts are

sent immediately

after each

transaction.

Check that all the

details are as you

expect.

Don’t loan your device to someone else.

Take extra care around

children! Don’t let them just

press buttons. Activate parental

controls where available.

Don’t allow other people to

use your data (tethering)

as they can incur charges

to your account.

Read the terms and conditions

If in doubt, you should not

complete the purchase. Contact

the merchant for more

information.

Pay As You Go users should make sure that they have sufficient credit before paying.

If there isn’t enough credit, the transaction will fail and you may be blacklisted by the merchant after a few times.

In most cases, you’ll need at least £10 credit.

Top up before you play/ buy anything

Your phone network operator sets a credit limit to help you manage your spending and avoid unauthorised charges.

It also protects them from bad debt.

There is also a £30 daily limit, as directed by the Payforit scheme.

O2 users are limited to £30 each month!

Learn your transaction limits

Text message: You

have reached your

credit limit.

If you want to block Payforit payments…

* Note:

Blocking phone bill payments ≠ blocking

marketing text messages

1. Contact your mobile network provider to disable

premium rate services

2. Complain with PhonepayPlus, the regulator for

phone-paid services in the UK

For a detailed explanation of each step: please read

our complete guide on blocking phone bill payments.

Take note: No bonuses when you use Payforitat mobile casinos

The mobile casino can’t afford

to give you bonuses!

Each stakeholder takes a share of the revenue.

The merchant only receives about 55%!

In contrast, businesses receive about 85% revenue share with Visa. The industry is working on this matter.

Take note: you can’t withdraw via Payforit

Money only flows in one direction.

Mobile casino players should select another

banking option when withdrawing.

Contact the merchant. Mobile casinos would assist you to withdraw your money. This image explains how >>

If you face any difficulties, contact your mobile network provider. Under the Payforitscheme, they are required to provide assistance after the transaction has occurred.

If you would like refunds or returns…

Which mobile casinos accept Payforit?

A comprehensive list of all

Payforit casinos in the UK

Which mobile casinos offer Payforit?

Pocket Fruity

Best Features:

Unique fusion slots

and games with

feature trails

Pocket Win

Best Features:

Classic slots that you

can download onto

your mobile device

Spin Genie

Best Features:

Adventure Island, in

which players unlock

bonuses and level up

mFortune

Best Features:

Incredibly social

mobile poker app and

exclusive games

Paddy Power

Best Features:

Often hosts great

promotions and

maintains a hilarious

Facebook feed

Elite Mobile

Best Features:

Reliable and stylish

gameplay on any

mobile device

LadyLucks

Best Features:

1 million players who

enjoy its popular

mobile slot games

Moobile Games

Best Features:

Hosts games that are

tailor-made for smaller

mobile screens

Which mobile casinos offer Payforit?

Bet and Move

Best Features:

Hosts well-known

games that UK

players love

Winneroo

Best Features:

£5 Free Welcome

Bonus and popular

mobile games

Very Vegas

Best Features:

Neon lights and

gaudy theme on

point! Lots of

jackpots too

Touch My Bingo

Best Features:

As its name goes,

great options for

Bingo players

Which mobile casinos offer Payforit?

Fruity King

Best Features:

Games and website

are easy to use on

mobile

Fruity Phone

Best Features:

Its games include

popular progressive

jackpots

Mr Mobi

Best Features:

Good customer

service and reliable

platform

Vegas Mobile

Best Features:

Hosts

frequent promotions

and good jackpots

Which mobile casinos offer Payforit?

Chomp Mobile

Casino

Best Features:

Frequent payouts on

all of its mobile slots

Northern Lights

Mobile Casino

Best Features:

20 cheery slots and

jackpots, free £5 for

new players

Jackpot Mobile

Casino

Best Features:

£250,000 jackpot on

every slot offered on

the site

Sapphire Rooms

Mobile Casino

Best Features:

High-quality mobile

slots, Roulette and

Blackjack

Which mobile casinos offer Payforit?

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