2PAY is a mobile payments provider that enables consumers to pay for goods online, safely and easily using their cell phones. No bank account or credit card is required. A text message is sent to the customer's phone and the balance is taken from their phone bill. With the best value transaction rates in the market, merchants can rely on 2PAY to improve their conversion rates, increase revenue and grow their international customer base.

Merchants simply integrate a 2PAY widget into their online offering. Customers then select to pay via text, enter their phone number, and then complete the transaction by replying to a text message without having to leave your site or having to sign up.

2PAY is a simple, effective way of monetizing your online offering or adding depth to your current payment options. With no credit card details required you are able to access a wider range of customers, particularly those without credit cards or bank accounts and you can expect your conversion rates to soar across all customer segments. We offer market leading transaction rates and can help you customize your pricing solution so you can either carry or pass on the carrier charges.

It depends on what context 2PAY is implemented but generally answer is YES! 2PAY allows you to shift from conversion rates often under 10% with credit cards to over 50%. The ease and simplicity of the payment service combined with a larger proportion of your customers able to use 2PAY mobile payments, means your revenues should soar.

Mobile carriers typically charge anything between 30-45% depending on the carrier. However the general uplift in your revenues resulting from the expected higher transaction volumes should more than make up for this increased cost.

2PAY's fee has an industry leading transaction rate of 10% taken on each transaction. Competing providers can charge as much as 20%.

2PAY has worked hard to build trusting carrier relationships in over 80 countries and can compete with any major payments provider on coverage. See our coverage page for the latest details of country by country coverage.

Just fill out our merchant signup form and once we've reviewed it we will get back to you with more information and send you your merchant account details.

We're fairly open minded about who we work with, but we do perform a risk and regulatory assessment on all potential merchants before we open an account with you. We do work with small and start-up businesses and don't have a size limit. Generally our service works best for online merchants selling virtual content and mobile application developers.

To integrate our widget you will need to firstly set up your campaign(s); identifying the countries in which you want to implement 2PAY payments, embed our payment widget into your website or application using code and provide us with a callback URL. It is that easy!

Depending on your level of complexity and customization required you can expect to be integrated in anything from 24 hours to one to two weeks.

You will be able to customize the look and feel of the widget and certain elements of the user flow. Whilst we ensure the maximum degree of customization as possible, some elements of the three step process will remain standard as we have to meet different carrier standards and also regulations for fraud protection purposes.

Once your account has been established and your initial funds start to come in, 2PAY will pay out on the 15th of the following month (i.e. August revenue is paid on September 15th). However, it may take as long as 60 days for you to receive your first payment, due to carrier lags in payment. Once your initial payment has been made, your revenue payments will not be held unnecessarily. At 2PAY we pride ourselves in our reliability and ensure regular payment cycles. Also, please be aware your revenue will need to reach USD$5000.00 before you will be paid.

2PAY is a global business; Your customers in each country will pay for their goods in their home currency and once the transaction has cleared it will be converted to USD according to the relevant exchange rates of the day. As a result these may vary slightly from day to day.

Yes we do. Once you are approved, we will assist you to familiarize yourself with the API and advise on best ways to integrate the widget into your offering.

We sure do. We have a specialist multi-national customer support line that customers can contact in the event of problems. We can coordinate with your customer support team also.