In the last couple of years, Video on Demand (VoD) streaming and PPV has grown on mobile. According to the Ericsson Mobility Report for June 2013, video accounts for more than 30% of all mobile-data traffic, globally. On average, 2.7 million VoD requests are made in the UK alone, every week.

With viewers watching on demand content for an average of 3.5 hours per week, and mobile devices pulling in up to 50% of viewing time, mobile is a key area for VoD.

One of the key issues surrounding Over-The-Top (OTT) content and VoD is how to monetise it. Advertising is commonly used, however, this can be damaging to the overall customer experience. Below are reasons why mobile operator billing can offer a strong solution to the problem.

  • Quick and seamless payments. Mobile web optimised mobile billing offers the customer a simple billing process. They are charged to their mobile phone bill or pre-paid credit, without having to fill in the long forms associated with credit card.
  • Attract non-credit card customers. For those who don’t own a credit card, mobile billing offers another option.
  • Audience Profile: 16-30. This is a key demographic for those who consume VoD and OTT content. This is also a key demographic for mobile payments.
  • High conversion rates. The quickness and easiness of mobile billing results in fewer drop-offs. Where direct operator billing is available, conversion rates can be as high as 85%, whereas credit card conversion rates can drop down to as low as 7% on mobile.

The Quality of Experience (QoE) for VoD streaming users on mobile is an area that is currently improving, with the streaming quality not high enough in many cases. Mobile billing can offer a simple way to charge users for premium service.

Video streaming on mobile is set to grow in the coming months and is likely to pass 45% of all mobile-data traffic in the next five years.

To find out more about mobile billing, please contact us.

Mobile Web Optimised Payments

Why Use Mobile Web Optimised Mobile Billing?

We recently announced that growing web trends have moved us towards ‘Single Click’ payments, for the optimum customer experience when used on mobile handsets. We have seen many businesses requiring better customer journeys on mobile, rather than optimising first for the traditional web.

As we are launching mobile web optimised payments across a number of countries this year, the infographic below explains the reasons why now is the right time for you to enable your customers to pay by mobile, with our optimum solutions.

Recent statistics show us that more and more people are accessing webpages through their mobile handsets. Mobile’s share of webpage views has gone from 4.5% in 2011 to 28.7% in 2014. It is likely that this trend continues for years to come. Almost 80% of internet users across the world use the mobile web. This means that many users are accessing the internet on their handsets as well as on their desktops. Both of these statistics show the growing need for a mobile optimised customer journey.

The growth in internet use on mobile handsets is largely due to the growth of smartphone penetration, with smartphone users worldwide totalling 1.75 billion this year.

infographic - Single Click 

txtNation will be announcing further mobile optimised flows using operator billing in a number of different countries over the coming months. The business will be showcasing Single Click in the following countries:

  • UK
  • Ireland
  • Belgium
  • Norway
  • Denmark
  • Sweden
  • Finland
  • Switzerland
  • KSA
  • Russia
  • South Africa

To find out how your business can benefit from mobile web optimised payments, contact us.

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.