Our integration options provide the most flexibility for how you offer your mobile money service:
- Stand Alone Applications - bank brandable web and mobile apps
- Pre-registration - bulk enroll your customers
- Single Sign-On - bank web-site sign-on for enrollment and transactions
- Web Services API - Web and/or mobile
- Debit Network Integration - leverage existing network connection for Pinless debits and credits
- Card processor and ACH Integration - quick, easy integration
- Core Integration - Direct integration with bank core or debit card switch
Obopay provides a variety of flexible ways for banks to offer mobile money services. This includes the capability to get up and running quickly and easily with no core integration required.
Front End Application Integration Options
Stand Alone Applications
Banks can get up and running quickly, easily and inexpensively with bank branded mobile money applications for web and mobile services. These include branded iPhone, Blackberry, mobile Internet and SMS services, as well as a full offering of web applications. With the standalone approach, Obopay hosts the payment service, including the front end web pages and phone applications. The bank can link to the Obopay service from their website, and from online and mobile banking channels. The applications provided have been through extensive security audits and ethical hacks and are equipped with 2 factor authentication to ensure bank grade security compliance. Additionally, Obopay provides mobile device coverage across carriers with established distribution on major US carriers and in app stores.
This option provides rapid time to market with minimal effort. Your mobile money service can be brought to market within 30 days!
Pre-registration
Banks can bulk enroll their customers into the service providing a fast and easy mobile phone registration experience.
Single Sign On
Customer access to Mobile Money for Banks can be enabled through your existing online and mobile banking applications with our Single Sign On (SSO) integration. With SSO you can integrate mobile money services access into your online and mobile banking applications and leverage your established authentication credentials. SSO options are available for web and mobile Internet applications.
Web Services API
Banks can integrate mobile money services using a robust set of web services APIs for web and mobile applications. API integration provides for bank control and definition of users interaction with the mobile money service. Web Services API integration provides for maximum flexibility for banks that want to build their own Mobile Money applications.
Payment Processing Integration Options
Debit Network Integration
Banks can quickly, easily and inexpensively offer Mobile Money for Banks without any core integration required by using Obopay Debit Network Integration. Connections can be made available through STAR, NYCE, and PULSE. Debit Network Integration can enable Instant Send and Instant Receive, with your bank's debit card as the transaction anchor. Connecting through debit networks allows your bank to leverage existing processes and established network rules for transactions.
Card Processor and ACH Integration
Mobile Money for Banks includes Card Processor integration to support MasterCard and Visa funding and payment transactions, and ACH integration to support transfer, funding, and receipt of money functions. The services establish the customer bank account as the transaction anchor, and include the flexibility for customers to designate multiple source accounts for all transactions types.
Core integration
Obopay also offers core integration options and custom settlement solutions. Banks can choose integration and settlement scenarios to meet specific objectives, and optimize customer experience across banks product and service relationships.
