mPurse™
mPurse™ is suited for purely virtual transactions and for regular and ad-hoc bill micro payments to government agencies, telecommunications companies and utilities where there is little risk of a wrong payment or overpayment not being refunded. Such bill merchants include telcos, ISPs, utility company, public carpark charges, parking and traffic fines, income and property tax payments, school fees etc.

mDebit™
mDebit™ enables a consumer to authorise and authenticate his instructions for payments and enable direct debit from his account in a participating bank to a participating merchant, and to deliver payment record to that merchant. mDebit™ is suited for direct debit payments to both bill payment merchants and Point-Of-Sales (POS) merchants such as petrol stations, boutiques, salons, florists, restaurants and clinics where a physical transaction is paid for by virtual means. mDebit™ also provides POS merchants with confirmation and payment record at the time of transaction that payments have been made.

mCredit™
mCredit™ enables a consumer to authorise and authenticate his instructions for payments from his Visa credit account in a participating bank, (or American Express, Diners Card etc) to a participating merchant, and to deliver payment record to that merchant. mCredit™ is suited for credit card payments to Point-Of-Sales (POS) merchants such as petrol stations, boutiques, salons, florists, restaurants.

mP2P™
mP2P™ enables mobile peer-to-peer micro-payments including cross-border transactions from individual payer's issuing bank account or virtual e-purse account to individual payee's acquiring bank account.