Carrier Payment Solutions

Transcend voice and data

Capture off-deck payments

Build an effective mobile ecosystem

Rising data use opens up a new world beyond

metered billing. A new mobile ecosystem is

emerging, and with it, new opportunities

Current solutions limit the scope and volume of

revenue that can be realized from emerging

mobile markets

As data usage continues to expand, an

integrated payment platform is needed

to capture new opportunities

Leverage our unique understanding of

the integration of two diverse ecosystems:

mobile and payments

Increase your ARPU

The age of smartphones and app stores is here. Extend beyond the traditional Average Revenue Per User strongholds of subscription voice and data and leverage new on-deck and off-deck opportunities with our seamless payment platform.

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The Rise of Mobile Data

In the next three years, global data penetration is expected to reach 45% with North America leading the way with almost 60% of its base as active data subscriptions.

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The Tools to get Things Done

A successful mobile strategy depends on its ecosystem, and at the heart of the ecosystem is a robust payment platform.

Mobile Payment Gateway
with OneTouch

Seamless, PCI-compliant OneTouch payments for direct credit card payments or carrier billing.

Mobile Authentication

Detect customers coming in from 3G, WiFi, LTE - Save previously lost billing events when customers are off-deck.

Billing Platform

Convergent platform for account top-up, pre or post-paid customer bill management, interactive alerts and notifications.

Admeris Platform Highlights

Web and native application support, including iOS, Android, and BlackBerry OS
Patent-pending OneTouch technology provides the best user checkout experience, increasing conversion and maintaining brand loyalty.
PCI-compliant payment transactions whether over web, mobile-web and mobile-native.
Intelligent device detection and web rendering engine supports 1000s of mobile devices
Developers within the carrier ecosystem can access a standardized API and OneTouch checkout to ensure customers maintain a high level of trust

The Opportunity

With the advent of next-generation networks (3G and now, 4G) and powerful smartphone devices, rich, interactive experiences once resigned to personal computers can be had on mobile devices. Mobile video, social networking, location-based services, and applications provide a unique opportunity to connect directly with subscribers, enabling new revenue opportunities.

"Mobile apps downloads are expected to increase from over 7 billion in 2009 to almost 50 billion by 2012... the revenue from mobile apps which includes both paid downloads and revenue from advertising and virtual goods is expected to increase from $4.1 billion in 2009 to $17.5 billion by 2012."

-- Chetan Sharma: "Sizing up the Global Mobile Apps Market, 2010"

The App Store Phenomenon

The unquestionable popularity of "App Stores" such as the Apple App Store and Google Android Marketplace raises the following question: "Why"? Rather than just being a function of the product(s) being offered, the success of App Stores can be attributed mainly towards their ecosystems.

Marketplace - the process for developers and content providers to submit and price their wares.
Integrated Billing - means for billing & settlement for content, as well as alternative monetization schemes (in-app payments, subscriptions, etc).
Distribution Reach - total market available for the app store (e.g. by platform, carrier/operator, geographic region, etc).
Retailing and Merchandizing - organization, discovery, promotion and product placement for content
User Experience - customers demand a smooth and intuitive browsing and purchasing experience

A streamlined route from development to market, with integrated payment drives the app store model.

Takeaway Points for Successful Mobile Ecosystems

Mobile carriers can combine lessons from app stores with their inherent strengths into mobile success.

Off-deck data usage will only continue to increase. Embrace and adapt to monetize the growing share of off-deck events - do not get left behind.
Implement an integrated mobile payment solution. For any value-added services to be truly profitable, the ability to define and execute monetization models - including strategic partnerships - is paramount.
As more tasks and services migrate towards the mobile space, subscribers will expect an 'app-store' like feel to carrier offerings. Streamline and improve interactivity for traditional tasks such as notifications, top-up and billing.
Leverage your reach as a carrier, with your subscriber base, and with hardware and software providers

The Untapped Potential of Data

The growth of mobile data use has been explosive. While this bodes well for metered usage billing, this leaves the entire spectrum of data-based services and applications on the table.

AT&T Mobile Data Traffic Growth, CQ2:06 - CQ2:09 (Normalized, CQ2:06 = 100)

Source: AT&T

A Shift in Mobile Expectations

Subscriber expectations of the mobile experience have shifted dramatically from mainly voice to interavtive services and rich media.

Streaming media - music, video, TV
Social networking (Facebook, Twitter, etc)
Location-based services, including maps and search
Personal productivity and lifestyle apps
Games

User Experience is Still Key

One recurring pain-point for customers is in the usability of mobile solutions. While smartphones can provide computing power formerly found only in full-fledged PCs, the typical desktop/web experience does not translate well to mobile.

Corporate Challenges

Subscribers on corporate accounts cannot pay for content personally, as their accounts are tied to their businesses. As many subscribers use these corporate-issued devices/plans on a primary basis, significant opportunities for revenue generation are lost.

Points To Consider

Billing can succeed on mobile devices
Today, app store ecosystems capture most off-deck revenue (downloads, monetization of content)
Negotiating the distribution of content often needs to be done on a provider-by-provider basis (versus a streamlined submissions model)
3rd party developers use various non-standardized checkout pages often outside the Carrier ecosystem

The Problems in Existing Ecosystems

Carrier ecosystems may encounter several problems in the new mobile space:

Off-Deck Data - Whether due to connection method (e.g. WiFi) or ecosystem (3rd party apps and app-stores), carrier revenue leakage occurs by not being able to bill on off-deck events
Billing Churn - subscribers that generate inordinate amounts of value-added-service billing (i.e. content, applications, subscriptions etc.) run the risk of being churned based on collection problems
Providing Content - subscribers are becoming both demanding and discerning in terms of content, and are foraging outside of on-deck offerings. Carriers may find it difficult to keep up as a primary content provider
Billing on Behalf of - there are inherent limitations on what can safely be billed by a carrier as the merchant of record. This limits the range of content/partnerships that use the carrier as a billing vehicle.

The Admeris Solution

With the Admeris integrated payment platform, you can ensure that you are ready to handle the modern mobile world, accounting for smartphones, app stores and WiFi.

Payments On or Off deck - The Admeris Mobile Payment Gateway provides device authentication and the capability to capture billing events. Our off-deck authentication is complementary and can be integrated with existing on-deck authentication
Reduce Billing Risk - timely notice (via mobile) and selective presentment of credit card billing shifts collection risk to banks and reduces churn.
Extend Payment Methods - integrates with and complements existing BOBO systems, allowing you to offer additional payment methods (such as credit cards, loyalty cards, and INTERAC Online) and offer content from a wider range of providers.
User Experience - get the best mobile checkout experience with our patent-pending OneTouch technology. Intelligent device detection and rendering ensures a rich mobile experience.
Realize Your Ecosystem - one-stop payment solution allows content providers, 3rd party app stores, and developers to set up shop with you and reach your subscribers

OneTouch Payments
with the Admeris Mobile Payment Gateway

Integrates into mobile web and native applications, including iOS, Android, and BlackBerry OS
Processes credit card, INTERAC Online and BOBO payments - integrate with any payment processor backend.
Collects and stores card data on your behalf, keeping you PCI-compliant
Mobile web rendering engine supports 1000s of mobile devices

Top up and Billing

Top up or pay bills for an account anytime and anywhere with a mobile device. Our top-up platform utilizes our device authentication and OneTouch payment services to offer the most seamless mobile subscriber billing solution available.

Merchant Services

Admeris provides a full array of Merchant Services, including turnkey merchant boarding, billing & settlement, and reporting. Admeris Merchant Services are ideal for 3rd party developer programs, or as an complement or alternative to BOBO.

Choose What Works for You

A modular platform design allows you to choose the services that work best in your ecosystem. White-labeling gives you the freedom to integrate as you see fit.

Find Out More

With years of experience and significant IP in the mobile payments industry, we can help you take the next steps forward in your mobile stragetgy. To learn more about our mobile carrier solutions or any other Admeris services, we welcome you to contact us:

By phone, toll-free at: +1-866-854-9851

By e-mail, at: sales@admeris.com

The Integrated Payment Platform

A single platform providing end-to-end mobile and web payment processing capability:

Device authentication
OneTouch payments
PCI compliance out-of-the-box
Pre-paid or post-paid billing scenarios
Integration with existing billing platforms
Fully white-label ready

Carrier Payment Solutions

Increase your ARPU

Learn more »

The Rise of Mobile Data

Learn more »

The Tools to get Things Done

Mobile Payment Gateway with OneTouch

Mobile Authentication

Billing Platform

Admeris Platform Highlights

The Opportunity

The App Store Phenomenon

Takeaway Points for Successful Mobile Ecosystems

The Untapped Potential of Data

A Shift in Mobile Expectations

User Experience is Still Key

Corporate Challenges

Points To Consider

The Problems in Existing Ecosystems

The Admeris Solution

OneTouch Payments with the Admeris Mobile Payment Gateway

Top up and Billing

Merchant Services

Choose What Works for You

Find Out More

The Integrated Payment Platform

Mobile Payment Gateway
with OneTouch

OneTouch Payments
with the Admeris Mobile Payment Gateway