Carrier Billing Disbursement

PayerMax provides merchant with access to top up payee’s mobile phone bill, so that merchant can achieve the purpose of paying the payee.

Note:

Please pass ‘CarrierBilling’ into ‘paymentMethodType’ field through API.

1. Supported Types

• FIXED_VALUE_RECHARGE: Support top up to payee’s mobile phone bill balance according to fixed value.
• RANGED_VALUE_RECHARGE：Support top up to payee’s mobile phone bill balance according to value in a range.
• FIXED_PIN: Support distribute recharge code(PIN code) according to fixed value to payee who can redeem recharge code(PIN code) to mobile phone bill balance following the guidance in notification message.

- The transaction succeeds once the recharge code is distributed, regardless of whether the recharge code is redeemed or not.
- Note the recharge code’s validity period, it can’t be redeemed once expires.【validity period varied by operator】
- For the top up to the phone by the PIN methord, after it's done, the notification callback and query interface will return to redeemCode, which stores the PIN code.
- After the transaction is successful, the operator will not send an SMS notification, but then it need to be displayed on the merchant platform, and in this way it will reduce customers' complaints.

For details on the types and amounts supported under each country-operator, please refer to "Disbursement Application Template and Filling Specifications" For details of the PIN code exchange process, please refer to the attached PIN code exchange process table:PIN code exchange process

2. Carrier Billing disbursement process

a. Merchants can initiate payment applications through API/MMC, and need to provide the following payee information

• The mobile phone number of the payee (accountNo): the mobile phone number of the recharge
• Disbursement amount (amount): The disbursement amount applied by the merchant

*- When the handling fee is borne by the payee, amount = disbursement amount transmitted by merchant - handling fee that will be borne by payee.* *- When the handling fee is borne by the payer, the recharge amount = disbursement amount transmitted by merchant.* **- *Some operators only support a fixed amount for top up, so it is recommended that the merchant bear the handling fee.***

• Operator code (targetOrg): Merchant can directly specify the telecom operator corresponding to payee’s mobilephone number(payeeAccountNo), if it’s not specified, PMmax will automatically match telecom operator based on prefix of payee’s mobilephone number. - There may be situation such as mobile number portability, which will lead to mismatch of the telecom operator and payee’s mobile network, and the failure of the transaction.

b. The transaction is completed: When the transaction reaches the final state, PayerMax will notify the merchant

Disburesement failed：

• If phone billing top-up failed, PayerMax would notify merchant the failure and return the fund - When there is a scenario where the recharge fails due to operator mismatch, we will return the possible matching operator name in the error description (responseMsg) for reference.

Disburesement succeeded:

• FIXED_VALUE_RECHARGE/RANGED_VALUE_RECHARGE successful recharge means successful transaction
• FIXED_PIN recharge code notification message sent successfully means the transaction is successful

**- Once the recharge code is delivered, it means the transaction is successful, and the transaction status will not be changed regardless of whether the recharge code is redeemed or not(fund will not be returned).** **- Note the recharge code’s validity period, it can’t be redeemed once expires.(validity period varied by operator).**

3. Carrier Billing Capability Limits

To learn more about the specific limits and supported mobile operators in each country for Carrier Billing payout, please click on the following link to download the details: Carrier Billing Quota.