Where can I pay with MobiCash?
You can pay using MobiCash wherever you see the MobiCash acceptance logo. Should you be in any doubt, you can ask the retailer/biller/business directly. MobiCash is a new and exciting service that is being rolled out across the UK and a few other countries. The list of retailers/billers/businesses where MobiCash payments are accepted can be found by tapping the Merchants button on the Dashboard screen. This list will be coming soon on our website, which is regularly updated.
MobiCash is designed to pay for goods and services at a whole range of retailers and businesses, from high street shops, restaurants, market stalls and online retailers, to bill providers (utilities, councils), schools and nurseries, local tradesmen, taxis, charities, clubs and societies, events and many other registered companies that accept payments.
Please note: to use this service you will need access to the Internet (wifi or mobile data).
How safe is the MobiCash service?
MobiCash is extremely secure and has been designed with your security in mind. We have a number of security measures in place. These include:
- PIN protection. Just like your card and your mobile phone, the app is protected with a four digit PIN.
- PIN block. If you have forgotten your PIN you are given three attempts to remember it. If you are still unsuccessful after a 30 minute delay you will be given another three attempts to enter the correct PIN. After this you will be referred to the customer services team so that we can verify that you are you.
- Security questions. If you have set up the security questions and answers (tap on the icon of the shield with a cog on the righthand corner of the main screen and choose the Security questions option), this feature will be offered to you after the first unsuccessful PIN attempt or will automatically kick in after three unsuccessful PIN attempts. If one security question is answered incorrectly, your account will be blocked until we can verify that you are you.
- Biometrics. You can use fingerprint or Face ID authentication instead of your PIN. Fingerprint authentication is available for iOS devices running on iOS 9.x onwards, and for Android devices running on Android 6.x onwards, that are equipped with a fingerprint scanner. Face ID authentication is available for iPhone X users.
- Automatic logout. This app is designed to automatically log you out after five minutes of inactivity. For your own peace of mind you can adjust this timeframe as you see fit.
- Unique identifiers. Both your mobile device and mobile number are linked to your MobiCash account and act as unique identifiers. This is to ensure that a fraudster cannot access your account from any other device or using a different mobile number (SIM card).
- MemPad. MemPad is an easy way to enter your PIN and boasts a non-standard keyboard, making it extremely hard for fraudsters to gain access to your PIN using hacking software to capture keyboard entries. Alternatively, a traditional keyboard option, DigiPad is available for your convenience.
- Card details. For security reasons your card numbers are not stored on your mobile device. Your details will be stored on a secure server in our fully certified (worldwide Payment Card Industry Data Security Standard compliant) data centre.
- Retailers/billers/businesses do not see your financial details. No financial information is passed on to retailers/billers/ businesses when you make payments with this app.
- 3D Secure. This service uses 3D Secure. 3D Secure (Verified by VISA, MasterCard SecureCode) is an extra layer of security offered to you by your bank when shopping. Each bank has its own 3D Secure verification procedure. If you have already registered your card for 3D Secure, when making a payment you will need to follow the standard procedure, as you may have seen when shopping on the Internet. If your card is not registered with 3D Secure, your bank may prompt you to do so. Certain banks may decide to waive this procedure in favour of their own security rules. If your card issuer does not participate in the 3D Secure scheme, you can still safely use this service without 3D Secure. Whilst 3D Secure adds an additional layer of security, you are still protected by your PIN and the additional features listed in this section, which offer you more security than standard Internet payments and contactless technology.
Will I be charged for using the MobiCash service?
This app is free to download and we do not charge you for using the MobiCash service. Some retailers/billers/businesses may choose to charge you a small surcharge or comfort fee for using MobiCash to pay for their goods or services. In this instance, you should be notified before you make a payment. The majority of retailers/billers/businesses will not charge you for using this service. Standard charges set up between you and your bank/card issuer will still apply. Network charges as agreed with your mobile network provider to include data usage may also apply. All text messages that you receive from MobiCash are free unless abroad or roaming.
To ensure your transactions are secure when using MobiCash, you will need to go through the 3D Secure process as set up by your card issuer. As part of the registration process your card issuer may inform you that your account will be debited one unit of the currency in the account. This is a technical security check only and the transaction will not appear on your account statement. This allows us to verify that your card is not being used fraudulently. Your security is our top priority and as such this is only a test and the money will NOT be taken from you.
How old must I be to use MobiCash?
You need to be 16 years of age or older to use MobiCash. By agreeing to our Terms of Service, you are also confirming that you are over 16. Please read these terms carefully to make sure that you abide by the legal requirements of using this service.
What is the difference between Subscribe, Activate and Guest Mode?
To get the most benefit from this service and all of the associated advantages, we recommend that you subscribe. Subscribing means that you will have a full MobiCash account. Should you choose not to subscribe, there is also a guest checkout option, which lets you pay but only offers the basic features of the MobiCash Service
The activate option is available to customers that already have a MobiCash account. This is for when, for example, you are reinstalling the app on a new handset or your account has been deactivated/suspended for security reasons.
Why can’t I receive my verification code?
The most common reason for not receiving an SMS is due to the fact that an incorrect phone number was entered. Please check you have entered the correct number before trying again.
Where are my card details stored?
For security reasons your card details are not stored on your mobile device. Your details will be stored on a secure server in our fully certified (PCI DSS compliant) data centre.
What cards can I link to my MobiCash account?
The MobiCash service is developed with ease of use in mind. As such, you can link multiple cards to this service. Card types include, debit cards, credit cards, corporate cards and prepaid cards so long as these cards carry the VISA, MasterCard or MIR logo. We are working hard to accept other regional and international card brands and we will keep you updated accordingly.
I have a foreign bank account and card. Can I still use MobiCash?
The MobiCash service is developed with ease of use in mind. As such, you can link multiple cards to this service so long as these cards carry the VISA, MasterCard or MIR logo regardless of where the card issuer is based, providing there are no restrictions set by your issuing bank. We are working hard to accept additional regional and international card brands and we will keep you updated.
Can I use ApplePay / Samsung Pay / Google Pay?
As an iPhone user, when you install MobiCash on a device supporting ApplePay you will be given the option to add it as a payment method. If you tap the Wallet icon on the Dashboard screen, you can activate the ApplePay option. Should you decline, this option will not be offered to you again unless you deactivate and reactivate your account.
We do not currently support Samsung Pay or Google Pay.
How will the retailer/biller/business know I have paid via MobiCash?
When you make a payment using MobiCash, the bill is marked with a green Paid symbol beneath it.
The retailer/biller/business will immediately receive notification of your payment either in their own app or cash register, or will see your payment on the list of paid bills at the end of a billing period or upon receiving a copy of your payment order depending on the type of company they are and their chosen integration method.
When will my transactions appear on my bank statement?
Transactions via MobiCash are card-based and will appear on your bank statement in the same timeframe that you could expect normal card transactions from your bank to clear. This can be anything from immediately to a couple of days depending on your card issuer.
I have entered the wrong bill ID and paid the wrong merchant. What do I do?
We have a number of safe guards in place to make sure you do not pay the wrong retailer/biller/business when entering the bill by keyboard. However, should this occur we are unable to recall the payment as we are not your bank or the retailer/biller/ business; we are facilitating the payment. You may wish to contact your bank to see what options are available to you.
Be very careful when entering the bill ID. We are not responsible if you make a payment to the wrong retailer/biller/business. Each time you make a payment with the MobiCash service you are given the opportunity to review the bill details before you pay. To avoid manual bill entry mistakes, we suggest you use the QR Code or NFC payment options.
What should I do if there is a problem with goods or services I have paid for using MobiCash?
The MobiCash service is a payment service. Should you have any issues with the goods or services you have purchased, including delivery, you will need to contact the retailer/biller/business directly.
How long is my payment history kept for?
Your payment history is available on the app for one calendar year. If you have any queries or wish to see transactions prior to this timeframe, you will need to check your bank/card statement for the card(s) in question. All MobiCash transactions will appear on your card statement as per normal card transactions.
There is an NFC option to make payments and my phone is NFC enabled. Why doesn’t it work?
If you have an NFC-enabled mobile device running on iOS 10.x or earlier or on Windows 10 Mobile, unfortunately you will not be able to use this feature with MobiCash due to the technical restrictions.
If your smartphone is not NFC-enabled, you cannot use the NFC payment option.
My card has expired, what do I do?
To update your card details, tap on the Wallet icon on the Dashboard screen.
In this screen you can view all of the payment methods (cards) you have set up to use on MobiCash and edit, add or delete cards as you see fit.
My card was lost or stolen, what do I do?
If your card is lost or stolen, we strongly advise that you contact your bank/card issuer immediately. Once you have a new card, you can update your card details, by tapping on the Wallet icon on the Dashboard screen.
What should I do if I suspect unauthorised activity on my MobiCash account?
This situation is highly unlikely as your MobiCash account is linked to your device and phone number (SIM card). Unlike cards or online shopping accounts, your MobiCash account cannot be used without your knowledge on another device.
If you still think someone has accessed your account by using your phone without your permission you need to report this activity immediately. There are several options available to you. If you can, log in to your MobiCash account and change your PIN. Alternatively, you can contact us via the app by going to the Settings menu. You can remove your payment methods at any time by either tapping on the Wallet icon on the Dashboard screen and choosing the Delete option or tapping on the icon of the shield with a cog on the righthand corner of the Dashboard screen and choosing the Remove all payment methods option. Once the situation has been resolved, you can add a payment method to your account and begin using the service again.
What do I do if I have forgotten my MobiCash PIN?
You have three attempts to enter your PIN correctly, with the option to reset your PIN at any time.
If you exceed three PIN entry attempts and you have previously set up your security questions and answers, you will be randomly asked two of the questions you have set. If you are unsuccessful, you will be offered the opportunity to request a callback from a customer service representative.
If you have not previously set up your security questions and answers, after a 30 minute delay you will have a further three attempts to enter your PIN correctly. If you are unsuccessful, you will be offered the opportunity to request a callback from a customer service representative.
What do I do if my account has been blocked/suspended?
Your security is our top priority. If we believe that your account might be at risk we may block it for security reasons. Your account will only be blocked if certain suspicious actions are performed in your app (for example, there were three incorrect attempts to enter your PIN).
You will be notified that your account is blocked/suspended via the app and you will be offered an option to request a callback from a customer service representative. You will also have an option to cancel the process and address the situation at your convenience. In this case, the app will redirect you to the Welcome screen. You will need to press Subscribe/Sign in, enter your phone number and request a callback. When your account is blocked, we will have to speak to you in person so that we will be able to establish that you are you and it is safe to reactivate your account.
We cannot send you an automated reactivation link via email, as some other services choose to do. This is due to the fact that should a fraudster get hold of your phone, they might be able to get access your email and use the link to gain access to your MobiCash account. If we speak to you in person, we can ensure your account will always be safe and secure.
If I get a new phone (handset) what do I do?
As your mobile device is one of your unique identifiers your account can only be linked to one device at a time. This is to ensure that a fraudster cannot access your account from any other device. Should you wish to transfer your account to a new device (for example, if you have upgraded your phone), you will need to reactivate your account. To reactivate your account on the new device, download the app, choose the Subscribe/Sign In in option on the welcome screen and follow a few simple instructions. There is no need to perform any actions on your old device. Starting the reactivation procedure on a new handset automatically deactivates your account on the previous device. Your new phone will be your new unique identifier for your MobiCash account. This procedure is only relevant if you have kept the same phone number.
I lost my mobile device what should I do?
For security reasons your payment method details are not stored on your mobile device and the app is password protected should it fall into the wrong hands. Once you have recovered or replaced your mobile phone, download the app and activate your account.
If I get a new phone number what do I do?
As your mobile number is one of your unique identifiers and acts as your account ID, we need to ascertain that you are you. There are two options available. Firstly, you can link your account to the new number. Log in to the app, tap on the icon of the shield with a cog in the top righthand corner, choose the Change phone number option and follow the on-screen instructions.
Alternatively, if your account is relatively new and you haven’t set up any preferences you can re-subscribe to this service and set up a new account under your new phone number. If you go for the latter option, we recommend that you unsubscribe your account from your old number first.
How will my contact details be used?
We ask for these details so that we can easily contact you and to quickly identify you when we are resolving any problems you may have. Your mobile phone number is a unique identifier and essential should you request a callback. Your email address will be used to send you important updates about your account and our service. You can also request any reports (coming soon) and copies of paid bills to be sent to your email address.
I don’t want to use MobiCash anymore. Can I just delete the app?
Deleting the app from your mobile phone will only serve to deactivate your account, which can be re-activated by yourself at any time. To close your MobiCash account, tap on the icon of the shield with a cog on the righthand corner of the main screen and choose the Unsubscribe option.
I’ve started using the app, but I have some questions that aren’t answered here. Where do I go?
Mobicash offers comprehensive FAQs. Should you have any questions that are not answered please contact our customer service team via the app by choosing the appropriate option in the Settings menu.