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New service allows you to pay for online purchases via cellphone

Smart leads global innovation on online purchases
By Entrepreneur Staff |

Leading wireless services provider Smart Communications, Inc. (Smart) will soon make it possible for subscribers to pay for mobile apps, products, and services with their airtime load in addition to credit cards or online payment accounts.
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As demonstrated by the recently launched Chikka TopApp for Android smartphones, Smart is pioneering a new technology which makes it possible for subscribers to use their load credits as payment as it allows software developers to charge Smart mobile users directly through their prepaid or postpaid accounts.

“There are still a lot of mobile phone users in the world who do not own credit cards or online payment accounts, and are thus, not able to purchase apps and other digital products,”  said Smart President Napoleon L. Nazareno. “By turning our subscribers’ airtime accounts into a means for payment, we have made it possible for developers to reach out to more potential customers,” he said.

A 2008 survey by the Bank for International Settlements states that in the Philippines, only 3 percent of Filipinos own a credit card.

A world first, Chikka TopApp was developed in conjunction with the Wholesale Applications Community (WAC), a coalition of leading mobile operators from around the world.

Chikka TopApp was made possible by a new Network Application Programming Interface (NAPI) created by WAC. The NAPI allows developers to charge users without having to connect separately with each mobile operator’s billing system or also known as “in-app operator billing”.

“The opening up of network APIs is a key focus for WAC ,” said WAC CEO Peters Suh. “This demonstrates our commitment to making it easier for developers to innovate and drive revenues and proves that successful collaboration between operators is a reality,” Suh said.

Another Filipino-made app, the Pinoy Book Reader by Oks Pinoy has also been released earlier this month. Like Chikka TopApp, the application is able to use the Smart’s in-app operator billing and payment system made possible by WAC’s NAPI.

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