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technical standard that enhances the security of online transactions done by credit or debit card.


Stands for 'Application Programming Interface,' refers to a collection of programming tools that facilitates communication between programs or an operating system, empowering software developers to craft their own applications.

APMs ( Alternative payment methods )

Refer to all forms of payment that do not rely on debit or credit cards as the primary means of transaction. These methods encompass a wide range of options, including digital wallets, bank transfers, mobile payments, cryptocurrencies, and various other non-card-based payment solutions. 


Financial entity responsible for handling credit and debit card transactions on behalf of card issuers..

ATV (Average Transaction Value)

For your business represents the typical sum that a customer spends in a single transaction with your establishment.


Is the procedure for validating a debit or credit card payment with the issuing bank.


Pricing model where payment processor charges overall markup that stays stable regardless of the card type, bank, card scheme and so on. 

Card Issuer

Credit or debit card issuer is a financial institution, such as a bank or credit union, that provides credit or debit cards to consumers. Card issuers are responsible for managing cardholder accounts, processing transactions, and providing customer support related to their issued cards.

Card schemes

Refer to payment networks associated with payment cards, including debit and credit cards, which banks and other qualified financial institutions can join as members


A cardholder is an individual who conducts a transaction within the merchant's business. 

Carrier Billing

Paying for a services/products via mobile phone bill or direct deduction from pre-paid balance. Payment technologies used are either DCB (Direct Carrier Billing) or PSMS (Premium SMS).


Is a reimbursement issued back to a payment card when a customer successfully challenges an item on their account statement cardholder believes to be a fraud.

Click flow

1. End User is browsing on mobile device via mobile data connection (e.g. 3G/4G/5G,…) 2. Confirmation of purchase via Click on the confirmation button on the Payment Page

Content/Product Category

A type of content/product which is provided by Merchant (e.g. gaming, lifestyle, ticketing, m-Commerce etc.).

Credit Note

Is a document issued by a PSP to a merchant that documents the total successful volume of the transactions that are being settled in a mentioned period of time.

Delay Page

Page where the End Users are asked to wait for a pending action or result

Doorway Page

Doorway page is used in case there is a need for special confirmation before accessing the service. For example when visiting websites which are intended for 18+ users, there would be an age verification.

End User

A person using a mobile device to purchase services/products via their mobile phone bill/pre-paid balance.

IC++ (Interchange Plus Plus)

Is a pricing model that consists of three components: IC represents the interchange fees assessed by the issuing bank, the first plus signifies a markup charged by the payment processor, and the second plus represents a scheme fee directly levied by card schemes like Visa and MasterCard. In this model, the payment processor's markup remains fixed, while the other two elements vary dynamically based on factors such as card type (debit or credit), card network (Visa or MasterCard), transaction type (domestic or cross-border), and card category (business or consumer)."

Identity Verification

Identity verification is the process of confirming that an individual or entity is who they claim to be. It is a critical security and authentication measure used in various contexts, including online transactions, financial services, access control, and identity management. 


An International Mobile Subscriber Identity (IMSI) is a unique number which identifies every user of a cellular network (e.g. GSM, UMTS, LTE). Usually it’s a 15 digit number but it can be shorter in some special cases. First 3 digits represent mobile country code, and the rest are mobile subscription identification number with the network’s customer base.

Initial Service Page

Page where End Users initiate the payment by selecting what exactly they want to purchase (e.g. 10 golden coins within a game)

Internet Service Provider (ISP)

A company providing internet connectivity to End Users, which DIMOCO partners with to provide payment services.

Keyword (KW)

A term that is used to identify a Merchant’s campaign. If End Users want to participate, they must send a SMS containing the defined KW to a certain Short Code. For example, in order to purchase extra lives in a mobile game, End Users sends a SMS with the text “COINS” to 55555, in this case the KW is COINS.


A Merchant (business customer, service provider, merchants, client, ….) provides services/products which he either owns or has the right to publish/sell while being in a contractual relationship with DIMOCO.

MO SMS flow

1. Ordering of purchase via SMS-MO

Mobile Network Operator (MNO) Carrier

Mobile Network Operator (MNO) including virtual operators, which DIMOCO partners with to provide payment or messaging services.

Mobile number portability (MNP)

An option that allows End Users to keep the same phone number when they switch to a different MNO.


1. MSISDN is detected by mobile data connection (e.g. 3G/4G/5G,…) 2. Receipt of TAN via MT-SMS 3. Confirmation of purchase via entering TAN


Merchant Service Charge – is a document issued by a PSP to a merchant that documents all applicable fees that are being deducted from documents the total successful volume of the transactions that are being settled in a mentioned period of time.


MSISDN is a number uniquely identifying a user in the mobile network. Simply put, it is the telephone number of the SIM card in a mobile phone.

MSISDN Entry Page

Page where End Users enter the MSISDN

One-Time Payment

A single, non-recurring purchase of a service.

Open banking 

Open banking is a banking practice that provides third-party financial service providers open access to consumer banking, transaction, and other financial data from banks and non-bank financial institutions through the use of application programming interfaces (APIs). 

Outcome & Service Access Page

Page where the outcome of payment is displayed and End Users can access the service

Outcome Page

Page where the outcome of payment is displayed

Payment Confirmation Request Page

Page where the End Users are instructed to complete the purchase via SMS-MO

Payment Confirmation Request SMS-MT (free)

End Users receive a SMS, with the request to confirm the payment via sending a SMS-MO

Payment Confirmation SMS-MO (free or standard rated or charged)

End Users send a SMS to confirm the payment

Payment Confirmation SMS-MT (free or charged)

SMS which is sent to the End Users to confirm that their purchase was successful; this message can be free or charged. This message can contain additional information e.g. how to access the service, details about the cost, possible charging frequency, terms & conditions URL or helpline number, …

Payment flow

Visual presentation of all the steps which are required in order to make a mobile payment from the End User perspective, along with some additional instructions/information.

Payment Gateway

Is a technology and service that enables online businesses to accept electronic payments securely over the internet. It acts as an intermediary between a merchant's website or mobile application and the financial institutions involved in processing the payment. 

Payment Page

Page where the End Users confirm the payment

Payment type

The payment type can either be OTP or subscription.


Payment card industry (PCI) refers to a set of security standards and guidelines designed to safeguard sensitive payment card data. It is a comprehensive framework established to Ensure the secure handling, processing, and storage of payment card information by businesses and organizations that accept credit and debit card payments. 

Pre-Payment Page

Page that contains mandatory service information and an action button, after which the End Users are redirected to the next payment step.


Revised Payment Services Directive, is a European Union (EU) regulation that aims to regulate and enhance the payment services industry within the European Economic Area (EEA). It was introduced to promote competition, innovation, and security in the payment sector while providing greater consumer protection.


Payment service provider gives merchants a possibility to receive payments via credit and debit cards. 


Refers to the process of comparing two sets of records – data on transaction sent by Visa or MasterCard provider and data on transaction recorded in the gateway, to ensure that they are in agreement and accurate.


In case End Users connect to a network of a different MNO they go into the “roaming” mode. In case it’s the MNO from the same country we refer to national roaming, or if it’s from the other countries then it’s international roaming.

Rolling Reserve

Is a financial reserve that a payment processor or acquiring bank holds from a merchant's funds as a risk management mechanism. It is a portion of the merchant's daily credit card sales that is set aside and temporarily withheld by the payment processor.

Security Deposit

Refers to a financial arrangement in which a merchant provides a sum of money to PSP. The purpose of the security deposit is to serve as a form of financial protection for the recipient in case the paying party fails to fulfill certain obligations or causes damage or loss.

Service & Contact Center (SCC)

These are 3rd party service centers which are managed by DIMOCO and process End User queries on behalf of our Merchants.

Service numbers

A Service number is used for sending and receiving SMS messages which can be free of charge or at a certain “premium” price. A Service Number can be either shared (used by multiple Merchants) or dedicated (used exclusively by a single Merchant).


Refers to the process by which a merchant receives funds from credit and debit card transactions made by customers. Settlement involves the actual transfer of funds from the issuing bank to the acquiring bank. The acquiring bank, in turn, credits the merchant's account with the settlement amount.

Short Code (SC)

A Short Code is a 3-7 digit number used for sending and receiving SMS messages which can be free or at a certain “premium” price. Short Code can be either shared (used by multiple Merchants) or dedicated (used exclusively by a single Merchant).

SMS-MO (free, standard rated or charged)

Mobile Originated SMS; End Users send a SMS, this SMS can be charged, free or standard-rated

SMS-MT (free or charged)

Mobile Terminated SMS; End Users receive a SMS, this SMS can be free or charged

STOP Confirmation SMS-MT (free)

End Users receive a SMS which confirms the successful cancellation of a Subscription

STOP SMS-MO (free or standard rated)

End Users send SMS with a command (e.g. STOP or STOP+Keyword) to unsubscribe from an open Subscription

Subscription (sub.)

A business model where End Users are repeatedly charged at defined intervals in order to prolong the access to the purchased service.

TAN Entry & Payment Page

Page where End Users confirm the payment by entering the TAN

TAN Entry Page

Page where End Users enter the TAN

TAN flow

1. End User receives TAN via SMS-MT 2. Confirmation of purchase via entering TAN

TAN SMS-MT (free)

End Users receive a SMS containing a TAN code


is a security technique that involves substituting a sensitive or private piece of data, such as a credit card number or a personal identification number (PIN), with a unique token. This process is implemented to enhance security and protect confidential information from unauthorized access or exposure to individuals who do not have permission to view it. 

Transaction (TRX)

Can be used as a term for a financial transaction or a transaction in the technical sense. It is an exchange of goods and services between a buyer and a seller, in case of a financial transaction we refer to the exchange of money, while in the technical transaction certain parameters important for operation of the payment system are exchanged.


Universally unique identifier – unique number of a transaction.

WEB SMS flow

1. MSISDN is entered by End User 2. Handshake SMS-MT is triggered 3. Confirmation of purchase via SMS-MO

WEB TAN flow (wTAN)

1. MSISDN is entered by End User 2. Receipt of TAN via SMS-MT 3. Confirmation of purchase via entering TAN

Welcome SMS-MT (free)

SMS which is sent to the End Users after they’ve confirmed the purchase. It usually contains information that the payment was successful, content access information, details about the cost and possible charging frequency, also terms & conditions URL or helpline number are often included.


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