Fortumo provides you with three different types of products: payments, messaging and bundling.
Please see the table below for a quick overview of all the payment products or keep reading for more detailed description of each of them under the table together with messaging and bundling.
|Payment product||Self-service||Payment flow||Description||Why choose this?|
|Hosted DCB||No||Fortumo's||Made for desktop or mobile websites for both one-time and subscription payments. Requires additional configuration from Fortumo’s side.||Customizable & easier approval|
|Web SDK||Yes||Fortumo's||Optimized for each platform to display the best payment flow available for both one-time and subscription payments. Easy setup without additional integration from Fortumo’s side.||Quick setup & easier approval|
|Android SDK||Yes||Fortumo's||Displays an in-app pop-up within an application for both one-time and subscription payments. Setup without additional integration from Fortumo’s side.||Quick setup & easier approval|
|PSMS API||Yes||Merchant's||Create any payment service that you could think of, but it requires some programming skills and a web-server. Setup can be done without additional integration from Fortumo’s side||Flexible billing platform & high scale payment processing|
|Payments API||No||Merchant's||Server-to-server payments, every payment channel needs prior configuration and customization. For merchants processing more than $100,000 per month.||Flexible billing platform|
Our payment products cover a wide area of business needs and provide your users with the best purchase experience optimized specifically for the platform on which your service is available on. We have separate products both for self-service merchants, which can be set up without needing any integration from our side, and also for bigger business clients that process more than $50,000 per month, for whom more customization or integration is usually needed.
Hosted DCB - Hosted Direct Carrier Billing solution allows you to integrate mobile payments to your desktop or mobile website without having to worry about any details related to the payment flow setup itself. For initializing a payment, all you need to do is direct your consumers to a Fortumo hosted payment flow where we take care of the rest. Once the consumer has completed their payment, a callback is sent back to your server based on which you will be able to provide the service that has been paid for. Fortumo Hosted DCB can be used for processing both one time payments and subscriptions and from the user’s point of view, it is similar to Web SDK but requires more configuration from Fortumo’s side.
Web SDK - This product allows your users to initiate payments from your website and complete them in a web-based payment window hosted by Fortumo. The product is optimized for each platform (web, mobile web, feature phones) and automatically displays users with the best payment flow available. The setup is straightforward and simple, as the service can be created on the Dashboard without much configuration or help from Fortumo’s side. This service type can be used for both one time payments and subscriptions and as the flow is hosted by us, the approvals process in most countries is relatively quick.
Android SDK - If you intend to collect payments inside native Android applications, we recommend our Android SDK. This product allows your users to make payments without leaving your application, by displaying to them an in-app pop-up window hosted by Fortumo. The Android SDK relies on services (android application components, not related to the service you created in your dashboard), which handle all communication between your application and the Fortumo servers. To use Android SDK, your application must request the proper permissions and integrate services and an activity into its Manifest. The setup of the billing library is similar to Web SDK - just create it on the Dashboard and the updated version of the billing library’s apk will always be available for you under the created service. Both one time payments and subscription services can be set up for this service type.
PSMS API - This is a flexible solution targeted at merchants who have previous experience with carrier billing. It allows you to create any payment service that you could think of, but it requires some programming skills and a web-server where you could host your program (for example as a PHP-script). Interaction between our server and your script will be conducted with HTTP GET requests. Keep in mind that integrating the PSMS API takes significantly bigger resources, you will be required to provide checkout flows and marketing materials for each country and you will also need to take care of translations and compliance. Therefore the approvals process for PSMS API services can also take a bit longer than with Fortumo hosted flows. Please note that only one time payments are available with PSMS API.
Payments API - Payments API is designed to provide you a possibility offer server-to-server payments using Fortumo infrastructure and carrier billing connectivity. This API is built to provide high availability and high scale payment processing and is available to trusted partners who process more than $100,000 per month. Every payment channel to a mobile operator needs prior configuration for your merchant account and many telcos require additional configuration and product-based customization prior to launch. This product can be used for both one time payments and subscriptions.
In case you have any additional questions about the above-mentioned products or are still not exactly sure which product is the right one for you, please contact us at email@example.com.