compras internacionais sem cartão de crédito, via SMS

Paymo is one of a growing class of companies that allows consumers to purchase in-game items, subscriptions, and other digital goods through mobile phones. Users authorize payment through a PIN sent to their phones, and the charge is applied to their phone bills. We spoke with Paul recently about his company and his thoughts on the future of the mobile payment space.

The cell phone is being used as an authentication and billing device. This transaction is more secure than a credit card transaction because the consumer 1) submits his/her cell phone number, 2) receives a text message to validate payment intent, and 3) sends a text message back to confirm. The carrier then charges the cell phone bill and deducts credit.