PAYFORIT SCHEME PAYFORIT SCHEME SOURCE DOCUMENT 1 ST JUNE 2017

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1 Page 1 of 18 PAYFORIT SCHEME SOURCE DOCUMENT 1 ST JUNE 2017 Version Control: Date 2/12/16 14/12/16 Changes in Red NB screens are for illustration only Principles Based Payforit Amendments for PSA Special Conditions P 4 10 Amendments to verification texts P 17 18, 19 21, /3/17 16/3/17 Rationalisation of Flows to 4 MSISDN Pass-through, MT Flow, MO Flow and MT/MO Hybrid Flow Separation of Skill Element from Payment Screens for competitions P5, P7, P9 Free Trial button wording change P9 Verification Text headers P13 18 Verification Text message wording P 12-18

2 Page 2 of 18 Contents Page CONTENTS Common Screen Items MSISDN Pass-Through Flow (Standard Payforit Services Only) MT Flow (Standard Payforit and PSA Special Condition Services) MO Flow (Standard Payforit and PSA Special Condition Services) MT/MO Hybrid Flow (Standard Payforit and PSA Special Condition Services... 7 Mandated Wording Charge Notification Fields First Button wording Payment Received wording Error Message wording CCR Regulation 16 (2) states the text receipt confirmation must include: About Payforit Text Messages... 12

3 Page 3 of 18 COMMON SCREEN ITEMS Header Box (Mandated): When clicked by the consumer, the API will present the About Payforit screen. Merchant Detail (Mandated): Must carry the Merchant Identity and must be recognisable from the consumer journey to this screen. Images not to exceed 2/3 of the total screen. Charge Notification (Mandated): A short, clear, unambiguous explanation of the service being offered for purchase must be displayed on every page of the flow used. This should explicitly state This will be charged to your mobile phone (non-phone devices must reference the device). Call to Action First Purchase button (Mandated): Dependant on the Flow it can read Buy Now, Subscribe Now, Donate Now. All have price on and subscriptions also have billing frequency. Call to Action Second Purchase button (Mandated): When the MSISDN is confirmed the charging notification along with the price must appear on the second payment button: Confirm this charge to your mobile. Help (Mandated): Must contain the Merchant or API support details with links to Merchant and Payforit terms and information Error reason (Mandated): API will present the reason for the error using the Error Reasons permitted Retry button (Mandated): This will return the consumer to the Payment page to retry the transaction or cancel and return to the Merchant. MSISDN Entry box Instruction can be either above or below the box. A dropbox for consumers to select their own network can be provided. Instructions should be appropriate to the flow being used. Payment Received Notification (Mandated): Advises the consumer the amount that they have paid from their mobile account and must match the price shown on previous screens. (or Subscription Activated) Exit button optional on this screen. Option to secure consumer s agreement to waive their right to a refund. Don t know your mobile number? link (Optional): eg when using broadband. This clickable link switches the Consumer Experience Flow from MT to MO flow. Marketing Opt In (Optional): Allows the Merchant to conduct marketing to the consumer. Box must be unticked unless prior permission has been given to pre-tick it.

4 Page 4 of 18 1 MSISDN PASS-THROUGH FLOW (STANDARD PAYFORIT SERVICES ONLY)

5 Page 5 of 18 2 MT FLOW (STANDARD PAYFORIT AND PSA SPECIAL CONDITION SERVICES)

6 Page 6 of 18 3 MO FLOW (STANDARD PAYFORIT AND PSA SPECIAL CONDITION SERVICES) Services in PSA Special Conditions are not permitted to use IVR and MUST use MO SMS

7 Page 7 of 18 4 MT/MO HYBRID FLOW (STANDARD PAYFORIT AND PSA SPECIAL CONDITION SERVICES Services in PSA Special Conditions must not use parameteris ed links and must use a word not a letter

8 Page 8 of 18 MANDATED WORDING 1. Charge Notification Fields a. Screen One Charge Notification i. One-off payment: Buy < product / service > ii. One-off charity donation: Donate to <charity> iii. Standard subscription: Subscribe to < product / service > until you text STOP to <> iv. Subscription with initial free period: Subscribe to < product / service > free for <period> and then be charged <price> [per/every/a] <billing frequency> until you text STOP to <> v. Subscription with an initial charge: Subscribe to <product/service> for <initial charge> then <price> [per/every/a] <billing frequency> after <TimeTilChargingStarts> until you text STOP to <> vi. Charity subscription: Donate [per/every/a] <billing frequency> to <charity name> until you text STOP to <> vii. For MO Flow services: By clicking the button below you confirm and accept that <price> will be charged to your mobile phone. viii. The Charge Notification must also explicitly state This will be charged to your mobile phone (non-phone devices must reference the device eg dongle, tablet etc) b. Screen Two Charge Notification i. One-off payment: Buy <product description> for <price> ii. One-off charity donation: Donate <price> to <charity> iii. Standard subscription: Subscribe to <product description> <billing frequency> until you text STOP to <> " iv. Subscription with initial free period: Subscribe to < product description > <Billing Frequency> after <free trial period> until you text STOP to <> v. Subscription with an initial charge: Subscribe to <product/service> for <initial charge> then <price> [per/every/a] <billing frequency> after <TimeTilChargingStarts> until you text STOP to <> vi. Charity subscription: Donate <price> [per/every/a] <billing frequency> to <charity>" c. Optionally, the Merchant may include the following in the Charge Notification area This purchase is subject to these terms or You / I agree to the terms of the service with the terms hyperlinked to the terms that the consumer can access. d. Optionally, the Merchant may include the following or a concise equivalent in the Charge Notification area By clicking the <call to action detail button> button you also agree that the service starts immediately and your right to cancel is waived.

9 Page 9 of First Button wording a. One-off payment: Buy Now for <price> b. One-off charity donation: Donate <price> Now c. Standard subscription: Subscribe Now <billing frequency> d. Subscription with initial free period: Start <period> free trial <price> per <billing frequency> thereafter e. Subscription with initial charge: Subscribe Now for <initial charge> then <price> [per/every/a] <billing frequency> f. Charity subscription: Donate <price> [per/every/a] <billing frequency> 3. Payment Received wording a. One-off payment: You ve paid <Price> b. One-off charity donation: You ve donated <Price> c. Standard subscription: Your subscription for <Price> [per/every/a] <billing frequency> has been set up and will continue until you text STOP to <Shortcode> d. Subscription with initial free period: Your subscription for <Price> [per/every/a] <billing frequency> with <period> free has been set up and will continue until you text STOP to <Shortcode> e. Subscription with initial charge: You ve paid <initial charge> and your subscription for <Price> [per/every/a] <billing frequency> has been set up and will continue until you text STOP to <Shortcode> f. Payment Received screens must confirm the charge notification: This will be charged to your next phone bill or deducted from your prepay balance. g. The Merchant may include the following or a concise equivalent on the Payment Received screen. You can change your mind and get a refund in the next 14 days unless you press <call to action button> and get your purchased <product/service> h. Payment Received can be replaced by Subscription Activated where appropriate. i. 4. Error Message wording a. Adult services bar: This service is restricted to users 18 and older. If you are 18 or older, access [MNO contact number] to verify your age. b. General error: Service temporarily unavailable; try again later. c. Insufficient Funds: Top up your mobile phone account by accessing [MNO contact number] now.

10 Page 10 of 18 d. Monthly Spend Limit Reached: Sorry, you've reached your monthly spending limit on charge-to-mobile services which providers have to protect their customers. You won't be able to charge this kind of service to your bill again until next month. e. Daily Spend Limit Reached: Sorry, you've reached your daily spending limit on charge-to-mobile services which providers have to protect their customers. You won't be able to charge this kind of service to your bill again until tomorrow. f. MO flow when text not received: Text message not yet received. Click Retry Payment. g. Services bar: Premium rate services are unavailable on your account. Access [MNO contact number] now for more information. h. Shown with every error description: To contact your mobile phone company, please call [MNO contact number] directly from your mobile i. MNO Contact numbers are: O2: 202 (contract consumers) or 4445 (prepay consumers), Vodafone: 191, EE: CCR Regulation 16 (2) states the text receipt confirmation must include: (a) the main characteristics of the goods or services, to the extent appropriate to the medium of communication and to the goods or services; (b) the identity of the trader (such as the trader s trading name) and address (where available, the trader s telephone number, fax number and address) (f) the total price of the goods or services inclusive of taxes, or where the nature of the goods or services is such that the price cannot reasonably be calculated in advance, the manner in which the price is to be calculated, (g) where applicable, all additional delivery charges and any other costs or, where those charges cannot reasonably be calculated in advance, the fact that such additional charges may be payable; (h) in the case of a contract of indeterminate duration or a contract containing a subscription, the total costs per billing period or (where such contracts are charged at a fixed rate) the total monthly costs; (i) the cost of using the means of distance communication for the conclusion of the contract where that cost is calculated other than at the basic rate; (s) the duration of the contract, where applicable, or, if the contract is of indeterminate duration or is to be extended automatically, the conditions for terminating the contract; 6. About Payforit Payforit is a technical payment scheme developed by the UK mobile network operators ("networks"), to make buying digital products and services via a mobile phone or other device simple and clear for you and enabling you to charge these purchases to your mobile monthly account or prepaid credit.

11 Page 11 of 18 The scheme is operated by parties (called Payment Intermediaries) that contract to your network to provide the relevant information to you so that you can make your own decision about the purchase. Payforit is not a legal entity and is not a party to any transaction for products or services. When you make the decision to purchase and indicate your decision by pressing a button or an appropriately worded icon, you agree a contract with the party selling the product or service ("the seller") that you will pay the price detailed by charging the purchase to your monthly account or prepaid account provided by your network. Your contract is with the party selling the product or service ("the seller") not with your MNO. Your MNO has agreed with the seller simply to charge the amount directly to your bill or prepay account. Once this charge has been authorised by you, the seller must provide the product or service detailed and you must pay your network (for monthly accounts) the amount charged. You are therefore wholly responsible for checking that you are happy with the price, the product or service and the seller before making a purchase commitment. When choosing to pay by your mobile account or prepaid credit, you have either provided your mobile number to the payment intermediary or you have agreed for your network to pass your number directly. If you did not opt out of marketing (by un-ticking the relevant box), the seller may use your mobile number in accordance with its privacy policy, terms and conditions. You have 14 days from the date of the purchase to change your mind, cancel the purchase and receive a refund. You will need to contact the [seller][] on the contact number given in the receipt that you will receive after the purchase is made. The [seller][] may have asked you to agree to an immediate delivery of the service or content and in doing so, you will have waived your right to cancel. If your purchase is a subscription service with a recurring charge, then you have the right to cancel the service and all future charges by following the instructions given in the text message sent to you after your purchase. Other rights that you may have (statutory or otherwise) including rights related to faulty or incorrectly described goods are between you and the [seller][] and any enquiries or disputes must be addressed directly with them using the phone number provided in the receipt message. Your network has added value in terms of access, search, the Payforit scheme and the charging mechanism and you can escalate any dispute between you and the seller to your network for them to take a decision as long as you have discussed the dispute with the seller and can provide evidence of that discussion to your network. The operation of this payment facility is regulated under the PhonepayPlus Code of Practice and is bound by the Consumer Contracts (Information, Cancellation and Additional Charges) Regulations. This payment facility is operated under contract to your network by [API NAME] and their contact details are [API Contact Details]

12 Page 12 of 18 TEXT MESSAGES PFI Flow PFI Text receipt - CCR PFI Verification text - Mandated PFI Reminders 20/1month When to Send Sender Address MT Flow FreeMsg: Thank you for your payment of <price> for <product/service> from <> Help? <UK number> or click <link> proceed continue with your purchase of <product/service> for <price> from <> please use enter <pin/link> Help? <UK number> NB Services in PSA Special Conditions may not use a clickable link N/A Verification Text Text - MT Subscription FreeMsg: Thank you for subscribing to <service name> <Merchant> until you text STOP to <> HELP? <UK standard rate or free proceed continue with your subscription to <product/service> <billing frequency> from <> please use enter <pin/link> Help? <UK number> <Merchant> until you text STOP to <>. HELP? <UK standard rate or free Every month or 20 spent Verification Text or NB Services in PSA Special Conditions may not use a clickable link MT Subscription FreeMsg: Thank you for subscribing to <service name proceed with your purchase of Every month or 20 spent Verification Text

13 Page 13 of 18 with free period <date> from <Merchant> Your free trial of <product/service> from <> will end on <date>. Then <price> [per/every/a] <billing frequency> until you text STOP to <>. HELP? <UK number>. continue with subscription to <product/service> for <price> [per/every/a] <billing frequency> from <Merchant> from <date> please use enter <pin/link> First <period> free. Help? <UK standard rate or free helpline number> NB Services in PSA Special Conditions may not use a clickable link <date> from <Merchant> until you text STOP to <>. HELP? <UK standard rate or free Prior to 1 st billing event: <date> from <Merchant> until you text STOP to <>. HELP? <UK standard rate or free prior to 1 st billing event or MT Subscription with initial charge FreeMsg: Thank you for subscribing to <service name for <initial charge> then <price> [per/every/a] <billing frequency> from <date> from <Merchant> until you text STOP to <>. HELP? <UK standard rate or free proceed with your purchase of <product/service> for <price> [per/every/a] <billing frequency> from <> please use <pin/link> Help? <UK standard rate or free helpline number> NB Services in PSA Special Conditions may not use a clickable link <date> from <Merchant> until you text STOP to <>. HELP? <UK standard rate or free Every month or 20 spent Verification Text or MT Flow Charity donation FreeMsg: Thank you for your donation of <price> for <product/service> from <> Help? <UK proceed with your donation of <price> for <product/service> to <> please use <pin/link> N/A Verification Text

14 Page 14 of 18 number> or click <link> Help? <UK standard rate or free helpline number> MO Flow FreeMsg: Thank you for your payment of <price> for <product / service> from <Merchant>. Click here for your [product / service /content] <Merchant URL to product / service> HELP? <UK standard rate or free N/A N/A MO Subscription MO Subscription with free period FreeMsg: Thank you for subscribing to <service name> <Merchant> until you text STOP to <> HELP? <UK standard rate or free FreeMsg: Thank you for subscribing to <service name <date> from <Merchant> Your free trial of <product/service> from <> will end on <date>. Then <price> [per/every/a] <billing frequency> until you text STOP to <>. HELP? <UK number>. N/A N/A <Merchant> until you text STOP to <>. HELP? <UK standard rate or free <date> from <Merchant> until you text STOP to <>. HELP? <UK standard rate or free Prior to 1 st billing event: Every month or 20 spent Every month or 20 spent prior to 1 st billing event or or

15 Page 15 of 18 <date> from <Merchant> until you text STOP to <>. HELP? <UK standard rate or free MO Subscription with initial charge MO Flow Charity Purchase FreeMsg: Thank you for subscribing to <service name for <initial charge> then <price> [per/every/a] <billing frequency> from <date> from <Merchant> until you text STOP to <>. HELP? <UK standard rate or free FreeMsg: Thank you for your donation of <price> for <product/service> from <> Help? <UK number> or click <link> N/A <date> from <Merchant> until you text STOP to <>. HELP? <UK standard rate or free Every month or 20 spent or N/A N/A MT/MO Hybrid Flow FreeMsg: Thank you for your payment of <price> for <product or service name> from <Merchant>. HELP? <UK number> proceed continue with your purchase of <product/service> for <price> from <> please use enter <pin/reply Y> Help? <UK number> NB Services in PSA Special Conditions may not use a clickable link N/A Verification Text Text -

16 Page 16 of 18 MT/MO Hybrid subscription FreeMsg: Thank you for subscribing to <service name> <Merchant> until you text STOP to <> HELP? <UK standard rate or free proceed continue with your subscription to <product/service> <billing frequency> from <> please use enter <pin/reply Y> Help? <UK standard rate or free helpline number> NB Services in PSA Special Conditions may not use a clickable link <Merchant> until you text STOP to <>. HELP? <UK standard rate or free Every month or 20 spent Verification Text MT/MO Hybrid subscription with free period FreeMsg: Thank you for subscribing to <service name <date> from <Merchant> Your free trial of <product/service> from <> will end on <date>. Then <price> [per/every/a] <billing frequency> until you text STOP to <>. HELP? <UK number>. proceed with your purchase of continue with subscription to <product/service> for <price> [per/every/a] <billing frequency> from <Merchant> from <date> please use enter <pin/reply Y> First <period> free. Help? <UK standard rate or free helpline number> NB Services in PSA Special Conditions may not use a clickable link <date> from <Merchant> until you text STOP to <>. HELP? <UK standard rate or free Prior to 1 st billing event: <date> from <Merchant> until you text STOP to <>. HELP? <UK standard rate or free Every month or 20 spent prior to 1 st billing event Verification Text

17 Page 17 of 18 MT/MO Hybrid Subscription with initial charge FreeMsg: Thank you for subscribing to <service name for <initial charge> then <price> [per/every/a] <billing frequency> from <date> from <Merchant> until you text STOP to <>. HELP? <UK standard rate or free proceed with your purchase of <product/service> for <price> [per/every/a] <billing frequency> from <> please use <click this link/reply Y> Help? <UK number> <date> from <Merchant> until you text STOP to <>. HELP? <UK standard rate or free Every month or 20 spent Verification Text NB Services in PSA Special Conditions may not use a clickable link MT/MO Hybrid Flow Charity donation FreeMsg: Thank you for your donation of <price> for <product/service> from <> Help? <UK number> or click <link> proceed with your donation of <price> for <product/service> to <> please <click this link/reply Y> Help? <UK standard rate or free helpline number> N/A Verification Text Shortcode

18 Page 18 of 18 Payforit Purchase via a tablet or other non phone device that cannot support SMS; mandatory delivery of receipt via . Thank you for your payment of <price> for <product or service name> from <Merchant>. HELP? <UK standard rate or free Ensure address is not blocked Consumer abandons checkout FreeMsg: <Merchant> seems to have lost you. To access their site again please click <Merchant URL>. Within 15 minutes Consumer opts into marketing; optional delivery of free marketing text message. Marketing messages must include 1) FreeMsg.(first) 2) Merchant name. 3) Opt- out information. 4) May include Merchant URL./API page URL As required

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