Wiki

Payment via SMS

WebMoney users can pay for goods and services using an SMS message sent to their mobile phone (or a USSD request).

This payment method is very simple and convenient. On the seller's site, the user enters the mobile phone number (or WMID, or email address that can be used for finding the phone number) of the buyer. The system responds with an SMS message (or a USSD request) for confirming the payment. The payment is completed immediately after the confirmation code is entered on the seller's site.

Payment via SMS is also available on the Merchant service ("WebMoney — Quick Payment" section).

The unique characteristics of this payment method provide the following benefits for buyers at the moment of purchase:
  • possibility to make payments without leaving the seller's site (application);
  • possibility to make payments without access to their WM Keeper (for instance, when in a game, you can pay for the necessary accessories or artifacts "on-the-fly" or make a payment from the payment section of a console or TV set);
  • possibility to make payments without Internet access (for instance, at some gas stations, you can tell the operator the phone number and the payment confirmation code).

This option is enabled when making the first payment with the following limits:

WM Currency Type Monthly Limit Weekly Limit Daily Limit
WMP 200 000 200 000 60 000
WMR 200 000 200 000 60 000
WMZ 15 000 10 000 3 000
WME 15 000 10 000 3 000
WMU 80 000 80 000 25 000
WMB 0 0 0
WMG 500 300 100
WMX 60 000 30 000 12 000
WMK 1 000 000 1 000 000 300 000
WMV 500 000 000 300 000 000 100 000 000
WMH 6 000 000 3 000 000 1 200 000
WML 9000 4500 1800
WMY 18 000 000 9 000 000 3 000 000

Configuration of the SMS payment option is performed on the security service site. This option is enabled after the first payment with the following limits: 90000 WMR per month and 15000 WMR per day.

When making a purchase with SMS/USSD authorization, the system charges the buyer with an additional fixed commission in the amount of 1,5 WMR, 0,05 WMZ, 0,05 WME, 1,5 WMU, 0,01 WMX, 0,01 WMG, 1000 WMV, 9 WMK, 0,1 WMB, 0,10 WMH, 0,50 WML, 300 WMY.

This payment method is implemented with the help of the X20 XML interface and is available to all sellers.

See also:
Enabling SMS payments
Quick on the Merchant service
Interface_X20