m:Banking™ enables financial institutions to offer their customers the flexibility and convenience of managing their finances via their mobile phones, at a fraction of the cost incurred to offer these services via traditional banking channels. With m:Banking™, financial institutions can become leading players in mobile commerce.

Consumers can make micro-payments, check account balances, transfer money, pay bills and more with m:Banking™. When combined with  m:Wallet™, consumers can transfer cash from their bank accounts into their mobile wallets, make mobile money transfers and pay for goods and services directly and securely from their mobile wallet. 

Financial institutions can easily integrate m:Banking with existing e-channel banking platforms and their core banking systems. m:Banking supports all popular channels including SMS, USSD, mobile Web browser and ATMs and payment mechanisms including bank accounts, credit/debit cards and PayPal™ accounts.

Key features offered by m:Banking™ include an easy to use Web administration interface with multi-level access, flexible KYC and sign-up processes, comprehensive real-time reporting and compliance with the ISO8583 standard as well as other applicable ISO20022 standards.



m:BillPay enables bill rendering companies, money transfer organizations and mobile money service providers to significantly reduce their operating costs by offering mobile bill payment services to their customers.

This convenient and secure alternative gives consumers the flexibility to pay their bills any time, anywhere, using the Web or their mobile phone. Consumers can use their credit or debit cards, PayPal™ accounts or other popular payment methods to pay their bills. Payments are sent to the biller in real-time via MagicHub™, MoreMagic’s global value exchange. MoreMagic is also implementing innovative new payment methods, which will appeal to consumers who prefer to make over-the-counter cash payments.

m:BillPay provides Web and handset-based user interfaces, Web-based set-up,  administration and reporting of balances and payment amounts and support of handset-based recipient requests via SMS, USSD, WAP and smartphone applications.

Key features offered by m:BillPay include white-label Web and handset user interfaces, flexible KYC and sign-up processes, support of multiple billers and multiple accounts per biller, instant notification of payments and acknowledgments, comprehensive reporting and reconciliation of payments and auditable transaction data for future verification.



m:Collect serves the needs of manufacturers, wholesalers and retailers of goods and services by integrating mobile commerce technologies into their collection processes. In addition to the convenience and security associated with mobile collections, m:Collect helps companies significantly cut their operating costs and reduces the risks associated with managing cash.

With m:Collect, retailers can pay for the goods and services they purchase from the wholesaler and/or the manufacturer via their secure and trusted mobile wallets, which are enabled with MoreMagic’s m:Wallet™. Payments are securely managed and credited to the relevant participating bank account(s) via MoreMagic’s global value exchange, MagicHub™.

m:Collect users can use their own bank accounts, credit/debit  cards, PayPal™ accounts or other popular payment methods to load cash into their mobile wallets. MoreMagic is also implementing innovative new payment methods, which will appeal to consumers who prefer to make over-the-counter cash payments.

By combining m:Collect with MoreMagic’s m:Advert™ and m:Loyalty™ products, manufacturers and wholesalers can create innovative promotional campaigns and loyalty programs to boost retailer purchases and sales.

Key features offered by m:Collect include white-label Web and handset user interfaces, flexible KYC and sign-up processes, instant notification of payments and acknowledgments, comprehensive reporting and reconciliation of  collections and auditable transaction data for future verification.



m:Gov enables local, state and federal governments, NGOs and charitable organizations to achieve greater efficiencies and reduce operating costs by leveraging the mobile phone for transaction based services.

Given the ubiquity of the mobile phone, this application, which provides added convenience and security, is fast becoming popular across both the developed and developing markets for receiving donations, making aid payments and disbursing salaries and pensions.

Combined with m:Wallet™, beneficiaries can use funds received in their stored value account to make payments, cash-in and cash-out or transfer funds to other mobile wallet users. 

Key features include a white-label Web interface that governments, NGOs and charitable organizations can use to register beneficiaries and monitor payments. m:Gov can manage disbursements to large groups of beneficiaries, supports flexible interest rates and currencies, KYC and sign-up processes and instant notifications of payments.



m:MicroFinance™ enables micro-finance institutions (MFIs) and mobile money services providers to implement new, cost-effective, mobile phone based processes for disbursement and collection of micro-loans. With the ubiquity of mobile phones in even the poorest parts of the world, this service, with its added convenience, security and privacy, has become extremely popular with MFIs large and small.

With m:MicroFinance™, MFIs can use a secure, Web based payment gateway to register beneficiaries, distribute micro-loans, set interest rates and repayment schedules and manage collections. With MoreMagic’s m:Wallet™, loans can be disbursed directly into, and repaid from, the beneficiary’s mobile wallet. All transactions are securely managed via MagicHub™, MoreMagic’s global value exchange.

Beneficiaries can use their mobile phones to apply for loans and funds received can be cashed-out, transferred to other mobile wallet users and make repayments without having to visit the MFI’s offices.

Key features of m:MicroFinance™ include a white-label Web interface MFIs can use to register beneficiaries, manage micro-loans, set up scheduled reminders, monitor repayment status, and manage mass disbursement to large groups of beneficiaries. m:MicroFinance™ supports  flexible interest rates, KYC and sign-up processes and provides instant notification and acknowledgment of disbursements and repayments, comprehensive reporting and reconciliation and auditable transaction data for future verification.



m:Parking™ serves the needs of city administrations, local government agencies and private providers of parking services by enabling mobile parking services. With m:Parking™, cities and parking services providers can offer their customers a trusted, convenient and secure method paying for parking, while significantly reducing operating costs, improving collections, reducing infractions and greatly enhancing operational efficiencies.

m:Parking™ allows motorists to pay for parking in a designated parking space with their mobile phone. When near-field communication (NFC) technology is enabled on mobile handsets, parking meters and payment facilities, an added measure of convenience can be introduced. However, a mobile parking solution can also be implemented without NFC technology.

Motorists can register for the service via a white-label Web portal, by phone (IVR or live customer service representative) or by mail. On registering, motorists receive a bar code or NFC tag sticker for their vehicle. Registered motorists can park in designated parking spaces by sending a text message to a number shown on the signage at the parking space or via a handset application. Motorists receive a text message 10 minutes prior to expiration of parking period and can respond to remotely increase parking time in allowed increments. Motorists can pay for parking with their credit or debit cards, PayPal™ or similar payment service or direct debit of participating bank account.

Parking authorities can use bar-code-reader-enabled or NFC-enabled point-of-sale (POS) terminals to scan bar codes or NFC tags on vehicles and instantly determine their parking status. These POS terminals can also be used to print parking tickets and record parking fines.

Key features of m:Parking include an easy and flexible motorist registration process, support of bar codes or NFC tags for vehicle identification, a Web based set-up, administration and reporting interface that can be white-labeled for a seamless customer experience, comprehensive reporting and reconciliation of disbursements and repayments and auditable transaction data for future verification.




m:Paymentenables mobile operators, financial institutions and merchants to offer a convenient and customer friendly way to purchase goods or services.

m:Payment supports all popular mobile channels including SMS, USSD, WAP, and smartphone applications to appeal to a broad customer base. The mobile payments application also supports NFC based purchases across a variety of handsets (including many smartphones) and can implemented in a number of settings including point of sale (POS) terminals, ATMs, vending machines and others. It also supports multiple currencies and languages.

When combined with MoreMagic’s marketing applications such as m:Advert™ or m:Loyalty™ , m:Payment provides an unmatched, seamless, end-to-end consumer experience. For instance, consumer brands can alert their customers to in-store promotions based on their preferences; customers can go into the store and redeem a voucher against a purchase or make a payment directly from their mobile phone and receive   loyalty points, which are redeemable toward a viariety of goods and services offered via MagicPoints™, our loyalty program, or other loyalty programs offered by MoreMagic's affiliates and business partners.

Key features offered by m:Payment include white-label Web and handset user interfaces, flexible KYC and sign-up processes, instant notification of payments and acknowledgments, comprehensive reporting and reconciliation and auditable transaction data for future verification.



Enables NFC based service operators around the world to offer roaming like services and payment network access for customers who are using static tags to enable various kinds of proximity services, including prepaid wallets, loyalty accounts, etc.

The system offers extensible open API for all kinds of entities involved in issuing tags to manage the entire life-cycle and related administration functionalities via a comprehensive Web user interface.



m:Wallet is one of the mobile commerce industry's most trusted mobile wallet platforms. Mobile operators use m:Wallet to extend the capabilities of ubiquitous mobile handsets with new services for their subscribers that help improve subscriber loyalty and reduce churn. Financial institutions use m:Wallet to extend banking services to millions of unbanked customers. Manufacturers and wholesalers use m:Wallet along with other  MagicSuite™ products to improve operational efficiences and reduce business risks. Governments, private-sector employers, NGOs and charities use m:Wallet to disburse salaries, aid and other paymetns to beneficiaries via a secure, private and convenient channel.

m:Wallet is a flexible payments platform, enabling mobile commerce by replacing cash with secure, PIN based transactions. Individual transactions are authenticated based on the KYC, AML, fees and commissions, permission, and channels set by the service provider for customers and agent/merchant participants. The system is configured to conform to local regulatory parameters and branded based on the service provider’s specifications.

m:Wallet seamlessly integrates with all the mobile commerce applications in  MagicSuite™, bringing an array of mobile commerce and financial services to customers, merchants and service providers, including, cash-in, cash-out, peer to peer transfers, international remittances, banking, purchases, bill payments, micro-finance, loyalty, accrual and redemption, B2B payments, advertising and coupons, ticketing, lottery and gaming.

Key features of m:Wallet include mobile operator and bank agnostic configuration which enables creation of a multi-operator, multi-bank ecosystem, ability to link to bank accounts, credit/debit cards, PayPal and many other payment mechanisms, flexible and configurable KYC, CDD, AML and anti-fraud business rules, integration with banking systems via ISO8583 standards support, multi-channel support including SMS, USSD, Java applications, STK, NFC, POS devices and others, ability to create agent and merchant specific permissions, multi-level administration hierarchy, flexible tariff structure, near real-time settlement process, flexible distribution network hierarchies to facilitate management and reporting, support of OFAC and similar black lists and 3rd party AML engines, fully documented APIs to facilitate 3rd party integration, customizable business activity monitoring via dashboards, automated transaction download facility for reconciliation and trouble shooting, support of most popular POS platforms, flexible managment of local taxes, and Web and handset based user interfaces that support registration, administration and reporting of user balances and account activity.