Mobile Network Operator (MNO) Payment for Online Payment Channels

Mobile Network Operator Payment
The MNO payment or mobile network operator payment is also known as wireless service provider, wireless carrier, cellular company, or mobile network carrier payment has a sizable economy, large household spend, and a developed infrastructure, presents a very attractive picture for mobile payments readiness.

Among its most attractive features is the intuitive distribution of familiarity, willingness, and usage of mobile payments by type across demographic segments, which lays out an easy-to-follow road map for marketing mobile payments.

With mobile network operator, mass market consumers are familiar with and using mobile P2P payments. It only remains for issuers, telcos, and other players to connect the dots.

The size and velocity of the economy in the United Kingdom combined with an especially vibrant partnership scene is reflected in a high Mobile Commerce Cluster score.

Barclaycard, Orange, and MasterCard have teamed up for the Orange Credit Card, while Telefonica O2 and Vodafone have joined forces to develop mobile NFC payments at point-of-sale.

MasterCard in its attempts to accelerate the development of the United Kingdom's (UK) most comprehensive contactless mobile payments system, has team up with the three major mobile telecoms (or mobile network operators) groups, namely Vodafone, EE (Everything Everywhere) and O2.

In an attempt to help establish a payments platform for use by retail banks and other financial groups, as part of a wider move by traditional telecoms groups to generate additional revenues using their mobile technology.

The three telecom operators jointly own the company called "Weve".

Weve was set up to partner with MasterCard to develop a ubiquitous platform for contactless mobile payments, mobile commerce and advertising initiatives that has access to 22 million customers of the groups.

Currently, Mobile payments is in a mess and very confusing for customers and costly for the banks to set up.

As a result, Weve attempted to reduce costs by simplifying the fragmented mobile-payments market where almost every bank has its own service with technology that allows customers' details to be stored securely on the SIM card.

The mobile smart phones handset can be used as a payment system by swiping across one of the many contactless systems already in operation in the UK.

MasterCard will provide the mass-market contactless point-of-sale (POS) access in retailers across Great Britain (GB), as well as protection from fraud.

Mobile Network Operators

Mobile network operators may provide differing levels of functionality to support Mobile MasterCard PayPass depending upon the market requirements and the implementation model.

This functionality could support some or all of the following features:

  • Contactless handset functionality
  • Wallet application functionality
  • A UICC (Universal Integrated Circuit Card) to enable Secure Element functionality
  • Pre-installed Mobile MasterCard PayPass application on a UICC
  • Pre-installed Mobile MasterCard PayPass application on a secure element embedded in a handset


Hosts Issuers provide the payment account that cardholders use on their contactless enabled handset and communicate with cardholders about the benefits of, and requirements for, having Mobile MasterCard PayPass functionality.

An issuer will register a cardholder and control when, and how, the provisioning and personalization of the cardholder's handset takes place.

Issuers also manage the Mobile MasterCard PayPass application through its lifecycle, as they would for a bank-issued card application.

The provisioning, personalization and lifecycle management functions may be carried out by directly by the issuer or through one or more Trusted Service Managers.

How do consumers feel about mobile payments?

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