FAQ

What is MobilePay?

MobilePay is a payment platform that allows you to buy Digital Services.

What are the strong points of the MobilePay payment system compared with other solutions currently on the market?

The new system offers advantages to both end users and merchants.

For end users, the new payment system is:
  • simple Individual purchase: in this case, just as it is not possible to prevent one of my friends from getting hold of my phone and making a call, or taking my credit card and buying a digital product, neither is it possible for us to provide for ad hoc insurance procedures should someone get hold of my phone to make a single purchase.
  • widespread Activating a subscription: in this case, the presence of disabling systems, at no extra cost, and the self-care dashboard will make it very simple to deactivate an unwanted subscription.
  • ideal for small payments
  • can be used in cross-platform mode , that is, from both mobile phones and from PCs and Tablets
  • secure (e.g. sensitive credit card information is not shared)


Does the cost of buying a digital product using MobilePay include the transport cost? Or is the traffic generated paid for separately?

the cost of buying a digital product using MobilePay only covers the cost of the content/service. The cost of the traffic generated by downloading/streaming the content itself will depend on the connection channel used (mobile, ADSL, mobile phone with Wi-Fi, etc.) and on the user’s specific data traffic contract.

Are there additional charges for customers who buy using MobilePay?

There are no additional charges set by the operators. The content pricing decisions are handled by the merchants.

Are there any spending limits?

There is a ministerial decree (M.D. 145) that stipulates a limit of EUR 15 incl. VAT per individual purchase of digital content.
The introduction of a monthly threshold (as a guideline, between EUR 150 and 200) has been defined to restrict the possibility of fraud.

Can a digital product purchased using MobilePay be used on more than one device? Which ones? Does the system incorporate DRM?

One of the main inspirations behind mobile payment is precisely the possibility of using the content purchased in cross-platform mode, i.e. on different devices (PC, mobile, tablet).
The solution implemented by the operators is not simply a billing solution, but also integrates an authentication system based on the customer’s phone number. It becomes extremely easy for the merchants who will be implementing this integrated solution not only to sell the digital product on all platforms with the same customer experience, but also to recognise customers using the Web, a mobile phone, Tablet or TV from their phone number and, on the basis of this identifier, to enable them to enjoy premium services in cross-platform mode.

The DRM part is included within the operating activities of the individual merchants.

Will it be possible to track transactions?

All transactions will not only be tracked but, thanks to a personalised self-care dashboard, individual users will be able to check the details of their purchases (and of all the separate debit transactions) at any time, as they are used to doing for their credit cards.

Are there insurance procedures for covering the improper use of telephone credit? For example, what happens if I leave my mobile on the desk and my colleague signs me up to Playboy or Badoo?

The legal protection covering customers is the same as for any physical payment instrument (credit cards, ATM, etc.), where the responsibility to be vigilant falls on the customer themselves, who can take action to block the service in the event of theft/loss.

The payment methods supported are as follows:

  • Individual purchase: in this case, just as it is not possible to prevent one of my friends from getting hold of my phone and making a call, or taking my credit card and buying a digital product, neither is it possible for us to provide for ad hoc insurance procedures should someone get hold of my phone to make a single purchase.
  • Activating a subscription: in this case, the presence of disabling systems, at no extra cost, and the self-care dashboard will make it very simple to deactivate an unwanted subscription.

In any case, if your mobile phone is stolen or lost, all the usual procedures for blocking/suspending the SIM card will help restrict the risk of fraud/unwanted purchases.

Will it be as easy to disable a service (e.g. a subscription to Repubblica.it or Lastampa.it) as it is to activate it?

The references to the merchant’s Call Centre will enable users to clearly see the active subscription services on their SIM card and simply ask for them to be deactivated.

What security levels and standards are there with MobilePay? Isn’t there a risk of cloning as there is with ATMs and credit cards?

The current encryption algorithms used in SIM cards provide a level of security comparable to that of the very latest generation bank payment methods (chip & PIN credit cards).

Again with regard to security, is there a risk of smartphones becoming "infected" with computer viruses when using MobilePay?

The MobilePay system does not introduce any risks of infection which are different from those associated with normal access when browsing mobile websites.

What is the role of Engineering and Reply?

The role of Engineering and Reply is to act as a technological hub that interfaces with the operator and the Merchant via a unique technical integration solution. In some cases, they also directly handle the business negotiations with the merchants themselves for the supply of digital content.

Are you on a collision course with online stores such as the AppStore and Android Market?

We want to offer an authentication/payment solution used by both individual merchants and stores/aggregators. In keeping with this, where stores are concerned, we are more of a partner than a competitor.

What methods of payment are currently preferred by people who want to buy digital content?

According to the report "Consumers Prefer Operator Billing for Mobile Content Purchasing", recently published by Strategy Analytics, in Europe 40% of people interviewed said that phone credit was the preferable/preferred payment method for purchasing content for use on a mobile phone. Second in line was PayPal, which was only preferred by 25%, while credit and debit cards were only favoured by 15% of interviewees.

What is the optimal target for this type of service?

The above-mentioned report "Consumers Prefer Operator Billing for Mobile Content Purchasing" shows that users aged between 16 and 35 are more prepared to purchase digital content. This age group includes not only the generations of young professionals that are used to rapid development and using the new technologies, but also the so-called "Internet natives", young people born in the Internet generation who typically do not have credit cards and are used to accessing different content via simple, immediate tools. For these users, the new micropayment platform is an essential tool.