Virtual Top Up or e-Top Up

Virtual Top Up (VTU) in Indian market is known as e-Top Up (e-TU). Available solutions in Indian market:

Name

: PreTUPS (Prepaid Top UP System)

Provider

: Bharti Telesoft Ltd.

The software from Indian telecom major manages the requirements of the prepaid GSM and CDMA mobile market. Touted as an end-to-end solution, it supports voucher-less and voucherbased recharge. The implementation plus license cost is around $1 million.

Known Implementation Implemented by over 60 telecom operators' networks globally. In India- Idea Cellular, Vodafone, Tata Teleservices, Aircel, etc More than 110 million subscribers

Usage Point Merchant’s phone with special SIM (known as Demo SIM)

Name

: mChek Payments

Provider

: mChek

mChek is a payment system that links debit/credit card or SBI bank account to mobile phone, allowing to make payments from mobile phone. Once registered one can pay phone bills, transfer talktime to other accounts, book tickets for flights, movies etc from mobile via simple instructions.

Known Implementation Airtel. Usage Point Customer’s phone with mChek Application.

Name

: MTP-OW (Mobile Transaction Platform – One Wallet)

Provider

: C-Sam Inc.

OneWallet is a device-centric software application that resides on mobile phones, PDAs, and PCs to allow secure electronic storage of a card that is currently in the user's physical leather wallet; MerchantWallet, an interface that facilitates merchants in the world of electronic transactions; Wallet Service

Center

management,

that

provides

transaction

card

aggregation,

issuance

and

promotion

revocation,

distribution,

wallet account

reconciliation and bill payment, loyalty programs, etc.

Known Implementation Commercially launched in Japan, India and UAE. Usage Point Merchant’s or Customer’s phone with MTP-OW Application

Name

: Oxigen MBRS (Oxigen Mobile Based Recharge Service)

Provider

: Pyro Group

Mobile Top-up solution enables mobile subscribers recharge their mobile airtime without the use of vouchers. They can recharge by using credit card/debit card. Mobile Top-up helps make the prepaid model more profi table and at the same time gives their subscribers a more convenient method of topping up, anytime, anywhere. Multiple channels like the Internet, IVR, SMS, USSD or WAP can be used. This electronic recharge method links directly with the operator’s prepaid system. Known Implementation Airtel, Vodafone, Idea, Tata Indicom, etc Usage Point GPRS/EDGE enabled handset.

Name

: SmartTrust DP (Smart Trust Delivery Platform)

Provider

: SmartTrust

It provides electronic recharge facility that allows users to top-up their pre paid accounts via SMS or through their bank's ATM. Known Implementation In India- Airtel.

Usage Point Customer’s phone via SMS & Bank’s ATM (e.g. ICICI ATM)

Name

: Channel Top-up (Smart Trust Delivery Platform)

Provider

: Pyro Group

Mobile Top-up solution enables mobile subscribers recharge their mobile airtime without the use of vouchers. They can recharge by using credit card/debit card. Mobile Top-up helps make the prepaid model more profi table and at the same time gives their subscribers a more convenient method of topping up, anytime, anywhere. Multiple channels like the Internet, IVR, SMS, USSD or WAP can be used. This electronic recharge method links directly with the operator’s prepaid system. Known Implementation Airtel, BSNL, Celtel, Dialogic, ESPN, Vodafone, Idea, Intel, MTC, NMS, Nokia, Reliance, SingTel, StarHub, Vodacom, Tata Indicom Usage Point Over the Internet, call centre / IVR, SMS