Direct Carrier Billing

Direct Carrier Billing (also known as Mobile Billing or Direct Operator Billing) is an online mobile payment method that enables consumers with a telecom subscription or pre-paid plan to make purchases directly charged to their cellular phone account or pre-paid SIM card. By leveraging the telecom channel, Direct Carrier Billing enables digital service providers to achieve higher conversion rates and broader access to the unbanked population.

Properties

The following table lists the product properties supported by Direct Carrier Billing:

[1] Mobile payments can be refunded until the end of the month in which the payment was made. For example, mobile payments made on September 1 or September 30 can be refunded until 11:59 p.m. on September 30.

User experience

Note: The following payment flows on different terminals are reference only, and represent this payment method's flow on different terminal types. For supported merchants' terminal types, consult Antom Technical Support.

The following figures show the journey of paying with Direct Carrier Billing in different scenarios:

PASS authentication

SMS authentication

Web

WAP

1. The buyer confirms the order information and selects Direct Carrier Billing to pay.
2. The buyer selects the "SMS authentication" verification method, enters the phone number and other information, and clicks the "Next" button at the bottom.
3. The buyer enters the certification number and clicks the "Payment" button at the bottom.
4. The buyer is redirected back to the merchant result page.

Easy mobile payment

In this scenario, the payment process for the buyer's first-time payment and subsequent payments is different.

First-time payment

For new buyers, payment is completed during the sign-up process.

Web

WAP

1. The buyer confirms the order information and selects Direct Carrier Billing to pay.
2. The buyer selects the "Easy mobile payment" verification method, enters the phone number, and clicks the "Next" button at the bottom.
3. The buyer enters relevant information, sets a 6-digit payment password, and clicks the "Next" button at the bottom.
4. The buyer receives an authentication call and is prompted by voice to enter the number which appears on the page. Simple payment is completed as soon as the buyer signs up. If the buyer agrees to the payment terms, click the "Payment" button below.
5. The buyer is redirected back to the merchant result page.

Subsequent payments

For existing buyers, they only need to input the mobile phone number to check the registration status, and then enter the password to complete the payment immediately.

Web

WAP

1. The buyer confirms the order information and selects Direct Carrier Billing to pay.
2. The buyer selects the "Easy mobile payment" verification method, enters the phone number, and clicks the "Next" button at the bottom.
3. The buyer enters the 6-digit payment password to complete the transaction.
4. The buyer is redirected back to the merchant result page.

Supported online payment integrations

Antom offers a range of integration options tailored to each payment method. Each payment method may support different online payment integration options, allowing for flexibility based on your business requirements. The table below provides detailed information about the specific integrations available for each payment method: