Payguru provides optimum and fully compliant customer flows which take into account:
on its Payment Platform through the API integration with the Mobile Operators and merchants, as described below.
Payguru provides a Common Payment Page solution for the merchants selling goods and services through their web site. The Common Payment Page flows require a front-end integration with the merchant.
These are the flows that manages the merchant's subscriber acquisitions and payment via mobile pages hosted in the Payguru servers and managed by the Payguru Content Management system.
These are the flows enabling end users to start a subscription and/or payment process via SMS messages sent to Payguru short-codes on Operator backbone and consisting of specific keywords for each service. Those flows are used mainly for "real life" projects as well as inAPP payments.
The Payguru Mobile Membership Fee Payments platform is a solution provided to merchants such as political parties, associations, clubs, societies, unions etc with an already existing member base and acquiring members through their offline channels in addition to online channels provided by Payguru. It enables merchant to collect membership fees with mobile payments upon the "explicit" approval by the customer.
The entire subscription lifecycle is managed by Payguru including the billing initiations and retry policies. The details about the renewal and retry policies by the operator will be shared with the merchant during the integration process.