About PayBill/PayMate:

PayBill/PayMate is a revolutionary mobile payment platform which enables customers to make payments using their mobile phones. Merchants can accept payments real-time from their customers for any kind of products or services rendered. Some key features of PayBill/PayMate include:

1.	It is a SMS based application hence easy to use and compatible with all handsets and operators
2.	It allows the mobile phone to function as a virtual Bank Account.
3.	Customers can make payments without divulging any card details
4.	Payments can be accepted by the merchant through several interfaces like online, telephone, IVRS and even direct SMS
5.	The service is available absolutely free of cost to a customer (except single SMS cost)

Using PayBill/PayMate:

This mobile payment gateway is available only for registered PayBill customers. The customer registers for this service with his/ her respective bank and is given a 4-digit M-PIN. With this M-PIN the customer can use the mobile payment option at any of PayBill’s accredited merchants.

Security measures:

1.	The implementation of services addresses the customer’s data security and authentication process with due diligence and care
2.	PayBill connects to Merchant over a secure layer. All data submitted and retrieved by PayBill to merchant will be 128 bit encrypted
3.	The transaction is based on a unique session/ transaction ID. The session is valid for three minutes. If the transaction is not fulfilled in three minutes PayBill terminates the transaction
4.	A unique three digit ‘Alpha Code’ is generated for every transaction. PayBill validates this alpha code against the transaction as an added layer of security
5.	Registered merchant’s IP is locked with PayBill.

Using this Integration Manual:

This document gives all relevant details on how merchants can integrate their systems to enable PayBill transactions. It has details technical specifications for integration on Mobile payments accepted via online interfaces.

Online Payment:

1.	Customer shops on the merchants website and proceeds to check-out to make the payment
2.	On the payment page he chooses PayBill as his payment option
3.	The customer is transported to a screen where he chooses the payment mode as PayBill
4.	On submitting the same, the merchant server forwards required parameters to PayBill
5.	PayBill checks if the mobile number belongs to a registered PayBill customer o If not registered, customer is taken back to the merchants page with a note that he his not a registered PayBill user (same communicated to the mobile number via SMS by PayBill) o If registered, the customer is transported to a ‘Pending’ page with further instructions
6.	PayBill sends the customer an SMS telling him that the merchant wishes to charge him Rs. X (transaction amount). To authorize payment the customer needs to reply to that SMS in a specific format i.e. PAY o The ‘Alpha Code’ is a dynamic 3 character code randomly generated for that particular transaction, as an added security measure (hard coded in the SMS) o M-PIN is a 4-digit security PIN given to customer at the time of registering for PayBill
7.	The customer replies to the SMS in the prescribed format. After validation of Alpha Code and M-PIN, the bank instantly debits the customers account and updates PayBill of the same
8.	PayBill updates the merchant server of the payment status i.e. payment successful or declined and for what reasons (
9.	Merchant accordingly shares the information on the customers screen
10.	Simultaneously PayBill also sends a confirmation of the same to the customer via SMS with a unique transaction ID for reference o This transaction ID is shared between customer, merchant and PayBill