Last week we launched ‘Single-Click’ billing in Ireland enabling merchants to offer a mobile web optimised flow to their customers. In our infographic below, we show you why this form of payment is key to growing your business.

infographic - Ireland



With a population of 4.5 million, and a smartphone penetration rate of 53%, this is a strong market to enter. Statistics also show that 82% of 18-24 year olds in Ireland own a smartphone, with 79% of 25-35 year olds and 29% of over 55s.

Read more on our FAQ. See our API and read more about our coverage in Ireland. If you would like to discuss how your business can benefit from ‘Single Click’ mobile billing, please contact us.

In response to the growing use of mobile internet in Ireland, txtNation has launched its optimum mobile billing solution for the mobile web, ‘Single-Click’ payments. The new service enables customers to pay with one click, being charged to their phone bill or pre-paid credit.

With a population of over 4.5 million, Ireland currently has a smartphone penetration of 53%, compared to 39% in late 2012. On top of this, more than one in four people in Ireland has access to a tablet, driving commerce on devices.

Recent statistics also show that 82% of 18-24 year olds in Ireland own a smartphone, compared to 79% of 25-35 year olds and 29% of over 55s. 18-35 year olds are a key demographic for mobile payments, highlighting the opportunity for business growth through m-commerce.

txtNation enables mobile payments in Ireland in partnership with the mobile networks; Vodafone and O2, providing the interface as a gateway to the platform via mobile operator billing. Merchants are able to customise the payment window to suit the rest of their website.

How ‘Single-Click’ mobile billing in Ireland works:


Accessed on a mobile using mobile internet

Accessed on a mobile using mobile internet

Accessed on a mobile using WiFi

Accessed on a mobile using WiFi













The billing window is customisable. The above is an example. 

This follows the launch of ‘Single-Click’ payments in Sweden and the UK and is part of the award-winning company’s push to provide optimum mobile billing solutions for the mobile web in a number of countries.

txtNation’s Irish ‘Single-Click’ mobile payment solution detects the user’s mobile number through MSISDN forwarding, then accessed on a mobile web connection. This then enables the customer to click one button to pay.

Michael Whelan, txtNation CEO said “We are delighted to be able to offer ‘Single-Click’ billing in Ireland. Mobile web optimised payment solutions are key to growth through mobile as they offer the best possible customer experience, greatly increasing conversion rates.”

To get set up its as simple as declaring your URL(s) to txtNation. We will then white list them with the mobile networks. Read more on our FAQ. See our API and read more about our coverage in Ireland. If you would like to discuss how your business can benefit from ‘Single Click’ mobile billing, please contact us.


When acquiring new customers via mobile, a smooth payment process can be the key difference between a sale and a drop-off. The mobile customer has the option to purchase on the go, meaning the more impulsive the payment process allows them to be, the better.

Payforit offers a fast, seamless payment process in the UK, like no other option. As a brand, it is becoming more and more trusted as it becomes more and more known, so customers can feel safe.

‘Single-Click’ payments are the optimum solution for use on the mobile web, increasing conversion rates even more. Using MSISDN forwarding, the user’s mobile number is detected, eliminating the need to enter any information. They simply press the button and pay, being charged to their contract or pre-paid credit.

We recently announced that growing trend in both customers and clients have moved us to focus on optimising our mobile billing solutions for use on the mobile web. Smartphone penetration rates have grown a lot in recent years, all over the world and businesses are finding that their customers are accessing their online services on their handsets a lot more than they used to.


'Single-Click' Payment on Mobile Web

‘Single-Click’ Payment on Mobile Web













With Payforit ‘Single-Click’ the end-user experiences a simple payment flow when using the mobile web, as shown above. If they access the service on WiFi or on a desktop, they can enter their phone number to pay, as shown below.


Payforit on a WiFi connection

Payforit on a WiFi connection

Payforit on a WiFi connection

Payforit on a WiFi connection













Webinar: Increasing Conversion and Retention for iGaming
Wednesday 26th March, 14:00 (GMT)

We have done a lot of work with iGaming operators, enabling them to accept mobile payments, increasing their conversion rates on mobile. We are therefore presenting a webinar to cover ways in which you can effectively increase conversion rates and retain your current customers, through mobile. Register here.

Mobile billing and messaging company, txtNation has launched an improved customer flow for mobile billing in Sweden, enabling ‘Single Click’ with WyWallet, in a push to optimise their payment experience for the mobile web.

The necessity for improved flows has come about from client feedback following txtNation’s work in the iGaming, Dating and PPV / VoD industries.

Recent studies have found that over 50% of the Swedish population access the internet on their mobile handsets, with the figure expected to jump to over 60% in 2015. The population of the country is around 9.5 million, with a mobile penetration rate of 149%, meaning there is still a lot of growth in mobile internet use likely to happen in the next few years.

The improved ‘Single Click’ mobile billing option allows for an optimum payment experience when used on mobile web (or WAP).

Flow ‘Single Click’ for Mobile Web in Sweden:

1. Customer makes first mobile operator payment online, for example through PIN (OTP)
2. Next time the customer gets the option to enable ‘Single-click’ payments
3. One-click purchase is being made by the consumer choosing a product and pressing “buy”

‘Single Click’ ability can be made available following the first transaction.

txtNation has already launched ‘Single Click’ payment flows in several markets and is set to offer the service in more countries over the following months.

How ‘Single Click’ Payment in Sweden works:

First time user:

Sweden Phone WiFi PNG

Mobile Web; Mobile Network

Sweden Phone WiFi2 PNG

Mobile Web; Mobile Network














2nd (repeat) time user:


Sweden Phone WAP4 PNG










This is an example and for guidance on how it could look. The payment page(s) and flow is customisable via a pure API.

txtNation enable mobile payments in Sweden in partnership with the mobile networks; Telia, Tele2, Telenor, 3 and WyWallet, providing the interface as a gateway to the platform via mobile operator billing.

3 tdc tele2 telenor telia

WyWallet was formed as a joint venture between all the Swedish mobile networks Telia, Tele2, Telenor and 3.

WyWallet Sweden txtNation

txtNation now is now launching its first clients with the ‘Single Click’ flow, allowing them to take advantage of this lucrative mobile market.


Further Swedish Flows; PC and Tablet can be seen below:

This is an example and for guidance on how it could look. The page(s), (front end experience) is customisable via our API.

PC WiFi Swedish Mobile Payments

PC with WiFi

Tablet with WiFi

Tablet with WiFi

Read more about txtNation’s WyWallet, Single-Click and see our API. If you would like to discuss how your business can benefit from ‘Single Click’ mobile billing, please contact us.

For more information on the regulations surrounding ‘Single Click’ and how to enable this flow, please read the txtNation Swedish FAQ. Read our previous blog: WyWallet – Sweden’s Mobile Payment answer.

When optimising payment flows for the mobile web (and WAP), it is important to find the right option for your online business. Some flows work well for certain businesses but not others, so in this article, we will take a look at a number of different mobile billing options and analyse the pros and cons as well as the customer experience.

Mobile operator billing offers clear benefits in terms of conversion rates, but by choosing the right type for your business, you can increase billing uptake even more.

Direct Operator Billing
Also known as Direct Carrier Billing, this offers a quick and easy payment flow for the end-user. This involves the user entering their mobile phone number, and straight away, being charged to their bill or pre-paid credit. It is, however, not available in every country due to network restrictions or non-implantation. DOB typically involves PIN (OTP) authentication to validate the customers MSISDN.

Single Click Mobile PaymentsMSISDN Flow (Header Enrichment)
With MSDISN Forwarding (or MSISDN capture) the user doesn’t need to enter their mobile number as it is already detected. They can simply click to purchase. This only works when the user is using their mobile internet on networks that facilitate this enrichment. This is also referred to as WAP Billing.

USSD Messaging (Flash SMS) for OTP delivery
In this flow, the user enters their phone number, receives a message and enters the PIN (OTP) to complete the purchase.

When direct operator billing or MSDISN Forwarding isn’t available (supported by a mobile network), you may not want to push your users away from your mobile page or mobile app to read an SMS message with the OTP.

USSD for Mobile Payments

By using a USSD flow, the user can receive a USSD (FLASH SMS) notification, which shows up over the top of the mobile webpage or app, with a short, OTP (One Time Password) or PIN. They can then enter that to complete the transaction.  Not exiting the session (mobile web page or app).

Read more on USSD Messaging.

In some markets like India, USSD is used as a primary mechanism to deliver an OTP to a mobile customer. It comes into its own in markets where no MSISDN forwarding or direct billing is available.

Read more about our USSD Gateway.

Use of USSD enables increased transactions by keeping the user from exiting the session, whether it be on mobile web (WAP) or mobile app. This, as an alternative to using SMS as the primary delivery option for the OTP, reduces the amount of work done by the end-user, resulting in more completed transactions.

It is possible to successfully use USSD to deliver an OTP when MT (Mobile Terminated) Billing is available and Pure Direct Billing is not supported by a network directly.

Tip! We recommend sending an SMS at the same time as sending the USSD Flash message for record keeping and audit purposes (USSD messages do not get saved on the handset like SMS).

This Billing type with USSD hybrid to deliver an OTP is available  in the following markets:

Hong Kong
United Kingdom

Contact us to discuss how your business can benefit from mobile billing with USSD notifications.