mPayment's commitment to develop the eCommerce Merchant Platform (eMP) is based on our clear understanding and insight into the real need to address commercial bottlenecks crucial to the successful roll out of payment and e-commerce solutions.

mPayment has the only production environment deployed payment service in Singapore with Network For Electronic Transfers (S) Pte Ltd ("NETS"), mobile merchant and payment service with National Library Board("NLB") catering to 2 million public library users. mPayment thus has first hand practical experience with banks, credit card issuers & payment switches. They are not interested in the business processes, solutioning, format changes, hardware hosting and database connectivity required by merchants for non-payment type transactions. mPayment thus fill a crucial role to enable such merchants by linking to the payment service with hooks to banks, credit card issuers and payment switches.

We have won and are implementing another 8 merchant systems for telco, credit card, cinema ticketing, carparks, country club, event organiser, Internet/POS company and a government project. We thus have worked on detailed solutioning for many merchants and for back-end hooks to cashcard, debit and credit payment switches and it is evident in our dealings with these merchants that in addition to their need for payment solutions, there is an urgent requirement to enable their business processes and develop new business models to increase competitiveness.

The eCommerce Merchant Platform is a technology platform for common merchant processes like account enquiry, mobile marketing, workflow and transaction triggers, universal connectors to selected vertical markets for merchant customisation etc. It will also be used to initiate account/loyalty point status, trigger alerts, bill payment reminders, mobile marketing, directory services, and catalogue/database search.

The eCommerce Merchant Platform will have the ability to integrate with legacy systems, implement payment services that will enable and enhance the Merchant's business processes. This system will also help the Merchants to create their own preferences to track their transactions, ensuring batch processes and helping with their settlements with the bank etc. The connection of the eMP with payment switches helps the merchant manage its accounts receivables, shorten the collection period, reduce administrative costs in mailing reminders, collection and processing cheque payments. In today's market context and in every merchant's mind will be the fact as to how he is able to reconcile his transactions with his accounts receivables as well as payments. With eMP, such merchants will be able to deploy eCommerce applications almost immediately that integrate the Merchant's back-end operational and business processes directly with payment services, offering greater convenience and service to their customers.

Modules of eMP

mCatalogue
This is a mission critical window or communication port to customers for every merchant that needs to attract, inform, educate prospective buyers via a catalogue of his products & services - a backbone applications for most merchant.

mLearning
This is targeted towards the education and training institutions whereby they are able to offer new courses, conduct polls & quiz, as well as allow new users to enquire, register for courses through the mobile devices, Internet, kiosk and data terminals.

mLeisure
This is essentially a form of media & entertainment module. This module will allow for reminders, polls & quiz. On top of this, this module also allows for ticket reservations, as well as event ticketing. Merchants with on-line games will also be able to effectively use this module to link it up to the mPayment's payment gateway.

mFinance
Financial institutions like the Insurance, finance companies will be able to use this module in a very effective manner to activate bill reminder service, banking alerts, stock alerts, Information services like fund management information, tax alerts.

mMarketing
In this module, you will have wizards to help you in the advertising & promotion of your products/services which would include regular messages going out, polls, alerts for your marketing programs needs. Polls is also one of the important features in this module to help one to access the market response for any product/services or even pre-program assessment. This makes it very cost effective for any marketing manager to make a decision before the launch.

mDirectory
This module allows for keyword searches to help customers to look for information. This is also one of the basic components that any industry would need to have so that the merchants customers will be able to have information on their hands, anytime, anywhere.