PaygOps

Telco integration

How does TelCo and SMS integration work with PaygOps?

1

A “Telco integration” refers to the way by which the PAYG platform is able to send and receive SMS through the “SMS integration” and receive mobile payment thanks to the “Mobile Money integration”

2

Basic Telco Integration

Full Telco Integration 

Integration

Receive

Notification

Send

Money

Client

Receive Money

Send Information

Client

Integration

Android App

3

Telco/Mobile Money Platform

1

Distributor using

PaygOps to manage

Paygo operations

2

Quick Telco 

integration via Telerivet Mobile Money / SMS

1

Distributor using

PaygOps to manage

Paygo operations

2

Full Telco 

integration via PaygoPs Mobile Money / SMS API

3

Android App routes payment notification and SMS between PaygOps and the Telco  

4

Telco / Mobile Money Platform receives payment information from client and sends notification to Android App

4

Telco / Mobile Money Platform receives payment information from client and sends information via PaygOps API

5

Client makes payment and receives confirmation

5

Client makes payment and receives confirmation

6

7

1

Customer makes a

Mobile Money payment

2

Mobile Money platform receives the

payment notification

Mobile Money Platform

Local Telco Integration 

Quick Mobile Money Integration

3

Payment notification sent to Paygo Platform via Telerivet SMS

4

Payment notification sent to Paygo Platform via Mobile Money API

5

Paygo Platform processes the payment notification

6

SMS sent via

Android phone

to confirm payment

7

SMS sent via

Android phone

to confirm payment

8

The Paygo device is activated

Integration process

Customer Mobile Device

3

Local Telco

Integration

Integration Time:

3 to 24 months

Time distribution:

10% Technical part ; 90% Administrative part

Quick Mobile Money Integration

Integration Time:

<​ 1 month

Time distribution:

90% Technical part ; 10% Administrative part

Challenges:

 

  • There are no existing standards for mobile money integrations. With each operator comes a completely different integration process often with different technologies, outdated technologies and specific requirements in terms of infrastructures making the process lenghty and expensive.

  • An integration between a Paygo provider and an operator can take months to complete, and the cost of time and resources dedicated to the process is high.

  • The contracting process is often long and complicated.

Misconceived issues: 

  • Compared to the IT costs, the Paygo software itself represents a small part that is actually often bringing the most value for the business.

  • Even though the proper process of integration is rather complicated there are work arounds to start having automations to capture SMS and payments inside the software platform without having to enter them manually.

  • Once an integration is completed, the technical work is done but the administrative process remains. 

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