Carrier Billing

Carrier Billing Payout is a payment method that transfers funds to the recipient's mobile phone balance through a local telecom operator, using mobile phone top-up to pay the recipient.

PayerMax currently supports Carrier Billing Payout in Indonesia, the Philippines, Nigeria, and other regions. We plan to expand into more countries and regions where this payment method is widely used in the future to support your operator withdrawal needs.

1. Payment Advantages

• Easy to use: Payments typically require only the recipient's mobile phone number, with no bank account or e-wallet required, making it a low barrier to entry;

• Real-time payment: Funds are typically transferred to the recipient's mobile phone balance or other mobile currency;

• Emerging market coverage: Operator payments have high penetration in emerging markets like Southeast Asia and Africa, making them a suitable alternative payment method for customers with business expansion plans in these regions.

Some countries and regions may have additional compliance requirements for this payment method, requiring the recipient's mobile phone number to complete real-name authentication.

2. Business Details

2.1 Carrier Billing Payment Type

Payment Type	Description
FIXED_VALUE_RECHARGE	Support recharging the user's phone balance according to a fixed amount.
RANGED_VALUE_RECHARGE	Supports recharging the user's phone balance within the specified range.
FIXED_PIN	Support issuing recharge codes to users according to fixed amounts. Users need to follow the steps in the notification SMS to complete the call fee redemption.

FIXED_PIN Notes:

• Once a recharge code is issued, the transaction is considered successful. The transaction status will not be changed (funds will not be refunded) regardless of whether the code is subsequently redeemed.
  
• Please note that recharge codes have an expiration date and cannot be redeemed once they expire. The validity period varies by carrier.
  
• For PIN code-based top-up, after a successful transaction, the asynchronous notification and query APIs will return a redeemCode field, which contains the PIN code.
  
• After a successful transaction, the carrier will not send an SMS notification. Instead, the merchant will obtain the PIN code and display it to the user on the merchant platform** to reduce customer complaints.

2.2 Carrier Billing Payment Process

2.2.1 Initiate Payment

Merchants can initiate carrier billing payment requests through the API or the Merchant Platform (MMC). They must provide the following payee information:

• Payee Phone Number (accountNo): The top-up phone number;

• Withdrawal Amount (amount): The merchant's requested withdrawal amount;

• Carrier Code (targetOrg): Directly specify the carrier associated with the payee's phone number. If not specified, a matching operator will be automatically assigned based on the prefix of the payee's phone number (payeeAccountNo).

2.2.2 Transaction Result Notification

When the transaction reaches the final state, PayerMax will notify the merchant of the final transaction status.

Status	Description
Failed	If the top-up fails, PayerMax will notify you of the failure and refund the funds. If a top-up fails due to a carrier mismatch, PayerMax will return the name of a possible matching carrier in the error description (responseMsg) for reference.
Success	FIXED_VALUE_RECHARGE/RANGED_VALUE_RECHARGE types: a successful transaction is considered a successful recharge. FIXED_PIN types: a successful transaction is considered a successful recharge code notification SMS.

2.3 Carrier Billing Capability Limits

To learn more about the specific limits and supported mobile operators in each country for Carrier Billing payout, please click on the following link to download the details: Carrier Billing Quota.