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Welcome To Telupay INTL Inc. (OTCQB) TLPY
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In late 2009, the founders of TelUPay noticed the opportunity and necessity of building a "bank-grade," secure, mobile banking and payment platform. The founders reached out and found an enterprising team of young men that built Globe Telecom's mobile remittance platform for G-Cash in 2005. These pioneers in mobile banking came together with the founders and formed TelUPay in early 2010.
TelUPay International Inc. (OTCQB:TLPY) is the parent company of the TelUPay Group, which has developed the “Next Generation” of secure mobile banking and payments technology designed for banks, mobile operators (MNOs), money transfer operators (MTOs), payment processors, retailers/merchants, credit card companies, microfinance, large corporations and other financial institutions.
The TelUPay Group customizes its services and continuously develops new mobile applications that derive new revenue streams for its clients. Using best-of-breed technology, TelUPay’s bank-grade mobile banking and payment service uses the most secure encryption technology available today for both the bank and the end-user.
TelUPay’s mobile service includes;
- transfers between accounts
- peer-to-peer fund transfers (remittances) both domestically and internationally
- bill payments
- merchant payments
- mobile airtime purchases
- balance inquiries
- mPOS transactions
- both Card Present and Card Not Present and
- a host of other services designed to provide the ultimate convenience to the consumer at the lowest possible cost.
TelUPay is committed to revolutionize the financial industry through the development of comprehensive mobile solutions.
TelUPay's "4th Generation" products will empower the three emerging channels which are most likely to gain rapid market share in the new mobile payments ecosystem. Key unique selling points in TelUPay's strategy is its own "bank-grade clearing solution" to radically reduce costs and the development of tactical compliance partnerships with Retail Banks. telupay.com
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(OTCQB) TLPY | Products & Solutions
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mWallet - TelUPay's mWallet is a stand-alone, server-side, mobile account technology specifically designed for Mobile Operators, Money Transfer Operators and other large network operators. TelUPay's mWallet is a full-featured mobile account with all the security (encryption) and functionality that is found in TelUPay's MBPS service.
The low cost operation of mobile mWallet accounts provides TelUPay's clients with the maximum flexibility in its marketing initiatives and customer acquisition/retention strategies.
TelUPay's system can be configured where unbanked consumers get an mWallet account upon enrolling in the service. Unbanked consumers must comply with the appropriate KYC requirements. The unbanked consumer would load their accounts with funds via POS terminals or at participating banks or other merchant encashment locations.
mPOS - TelUPay's mobile payment solutions equip merchants to accept mobile payments,
boosting their revenue and ensure that customers can pay fast and securely.
Mobile Banking & Payments Service
TelUPay has developed a proven and secure mobile money & payments technology designed for banks, mobile network operators, money transfer operators, credit card companies and other financial institutions.
- Enrollment - Enroll in a service via bank account, 16-digit debit/credit cards, phone number add additional accounts, add accounts from multiple banks, credit/debit cards, email accounts for transaction receipts, etc.
- Balance Inquiry - Check the balance of your enrolled accounts.
- Mini Statement - Request Mini-statement for account.
- P2P Funds Transfers - P2P transfer funds between two banks. (Domestic & International)
- mWallet Transfer - Transfer funds to mWallet account (ideal for the unbanked).
- Mobile Phone Top Up - Top up credits on your phone and other people's phones.
- Bill Payments - Pay a bill, merchant or organization: This includes most credit cards, utility bills, loans, school tuition fees and communication companies.
- Bill Presentment with Call-To-Action - Scheduled payments and system generated messaging with call to action function. Reminder capability for corporates.
- Mobile Money Transfer - For a small fee you can pay another person, company or account held anytime, anywhere.
- Transaction History - View transaction history (SMS-Short Message Service & GPRS General Packet Radio Service)
- Favorites - Save your most frequent transactions: Fund Transfers, Mobile phone top up, Bill Payments, etc. simplifying the next transaction.
- Change MPIN/ATM PIN - Change Mobile PIN or ATM PIN using mobile application.
- Pay Out Inquiry - Agent Application - check and pay beneficiaries for remittances.
- View or Cancel Pending Payments - Scheduled payments can be viewed or cancelled at your convenience.
- Pay family, friends and other accounts - Make a payment using a mobile phone number or sort code and account number. This could be to your accounts held with other banks, family, friends or organizations not listed in 'Pay a bill or organization' above.
(OTCQB) TLPY Mobile ATM / ATM Lite
This product enables consumers to have all the facilities of an ATM service. Registration with the user's bank allows the consumer to pre-authorize an amount of money to be available to spend. This can be in the form of paying for goods and services or enabling fast cash access. Registered retailers will be linked to the users mobile and be paid securely for goods or guaranteed finds when offering cash back.
The available funds are held centrally in a Nostro account on behalf of the participating bank. Settlement can be done daily or more frequently. The benefit to the consumer is ready access to liquid funds whether holding a bank account or not. The benefit to the retailer is they can reduce their cash holding and therefore save costs, and the benefit to the banks is they retain access to the "available "funds until they are spent. http://www.telupay.com
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(OTCQB) TLPY | Recent Developments
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CARD Bank and CARD MRI's IT Company signed tripartite agreement with TelUPay for a secure mobile financial service for micro-finance clients
NEW YORK, Sept. 3, 2014 /PRNewswire/ -- USA, TelUPay International Inc. (TLPY), through its Philippine subsidiary, TelUPay (Philippines) Inc., signed tripartite agreement with CARD Bank, Inc. (CARD Bank) and CARD MRI Information Technology, Inc. (CMIT) to deliver a secure mobile collection technology for CARD Bank's micro-finance clients.
CARD Bank serves 1.3 million micro-finance clients and is one of the largest micro-finance oriented rural banks in the Philippines. TelUPay's mobile collection service, closely implemented with CMIT, aims to enhance CARD Bank's current process for the collection of micro-loans to substantially reduce costs. The service is expected to assist CARD MRI (Mutually Reinforcing Institutions) to reach its goal of serving 5.3 million socially and economically challenged families by 2016. CARD Bank and CMIT are both member institutions of CARD MRI.
"We are very pleased to have such innovative partners such as CARD Bank and CMIT launch our fully secure mobile financial services in the Philippines," states Mr. Adrian Ansell, CEO of TelUPay. The service empowers CARD Bank's customers to conduct transactions directly and assists CARD Bank's agents to provide services for customers without mobile phones in remote areas. It allows customers to conduct balance inquiries, fund transfers, mobile airtime purchases, and a wide-range of other mobile banking and payment services.
"The customized product developed by TelUPay is a breakthrough in mobile financial services technology," said Ms. Dolores Torres, President of CARD Bank. "It will provide CARD Bank's customers an easy and secure method of repaying their loans and will provide access to a full range of financial products and services in real-time."
The partners plan to roll out the service to more CARD Bank branches to reach its 1.3 million existing clients after the successful pilot run.
About CARD Bank and CMIT
CARD Bank, Inc., a member of the group known as the CARD Mutually Reinforcing Institutions (CARD MRI), is a microfinance-oriented rural bank that aims to provide the poor with diverse financial and non-financial services. Currently CARD Bank has 55 branches across the country serving more than 1.3 million clients.
CARD MRI is an IT services corporation specializing in integrated technology solutions for micro-finance, micro-insurance and other related organizations. It is a member of and the primary technology provider for the CARD Mutually Reinforcing Institutions (CARD MRI), the Philippines' biggest microfinance conglomerate.
NEW YORK, Oct. 9, 2014 /PRNewswire/ -- 1Bro launches TelUPay's proprietary mobile banking and payment service to their network of 30,000 agents TelUPay International Inc. (TLPY) today makes the following announcement:
TelUPay International Inc., through its Philippine subsidiary, TelUPay (Philippines) Inc., has delivered a secure, mobile payment platform and signed a 5-year service agreement with 1Bro, one of the larger agent networks in the Philippines. The 1Bro-branded mobile payment service allows 30,000 1Bro agents to conduct balance inquiries, fund transfers, P2P remittances, mobile airtime and bill payment services for 1Bro's customers across the Philippines.
"We are very pleased to have such a resourceful network like 1Bro launch our mobile payment service in the Philippines," states Mr. Adrian Ansell, CEO of TelUPay. "1Bro and TelUPay have customized a next-generation, secure, mobile payment service specifically designed for the Filipino consumer."
"The customized product developed by TelUPay is a breakthrough in mobile payment technologies providing an easy and secure method of conducting business in real time," states Mr. Rico D. Lorredo, President of 1Bro.
"Most importantly, TelUPay's system provides a wider range of financial services empowering 1Bro's agents with additional sources of revenue, which will enable 1Bro to rapidly expand its agent network," adds Mr. Lorredo.
About 1Bro - 1BRO Global Incorporated is engaged in network marketing in the Philippines with more than 30,000 agents and 40 business centers nationwide. 1BRO Global started as a distributor of airtime for Smart, Globe and Sun. Recently, 1BRO Global launched its unique business concept; 1BRO Express, "a division of 1BRO Global," which manages online ticketing, bill payments, remittances, eLoading (selling airtime) and 1BRO's Privilege Card.
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Why (OTCQB) TLPY? | Mobile Payments to Hit 721B by 2017!
The mobile payments field is growing rapidly, and accelerating its pace with every quarter. A recent Gartner report indicates a 44% increase in worldwide mobile payments in just one year to be at a robust 235.4b at the end of 2013.
The popularity of mobile is underscored in a Nielsen study that indicates strong adoption across the board – 40% of mobile wallet users say mobile is now their primary mode of payment. Men (47%) and women (53%) have adopted these new digital services almost equally, as have consumers across various income levels, with the highest usage by those making less than 50,000 (32%), and more than 100,000 (29%). The majority of users are either aged 18-34 (55%) or 35-54 (35%).
"We expect global mobile transaction volume and value to average 35 percent annual growth between 2012 and 2017, and we are forecasting a market worth 721B with more than 450M users by 2017," said Sandy Shen, research director at Gartner. "Nevertheless, we have lowered the forecast of total transaction value for the forecast period due to lower-than-expected growth in 2012, especially in North America and Africa."
Near Field Communications' (NFC's) transaction value has been reduced by more 40 percent throughout the forecast period due to disappointing adoption of NFC technology in all markets in 2012 and the fact that some high-profile services, such as Google Wallet and Isis, are struggling to gain traction. Gartner forecasts that NFC will account for only about 2 percent of total transaction value in 2013 and 5 percent of the total transaction value in 2017, although growth is expected to increase somewhat from 2016 when the penetration of NFC mobile phones and contactless readers increases.
Money transfers and merchandise purchases will account for about 71 percent and 21 percent of total transaction value in 2013, respectively, making them by far the largest contributors. However, worldwide, people are not purchasing as much because the buying experience on mobile devices has yet to be optimized. People are spending less via mobile devices than via online e-commerce services and at retail outlets. Merchandise purchases account for about 23 percent of the total value forecast for 2017.
Money transfer value continues to increase because users are transacting much more frequently (although at lower values) due to the wider availability of services and to transaction costs that are lower than those of traditional bank services. This makes money transfer a leading use case, one that Gartner forecasts to account for almost 69 percent of the total value in 2017.
Bill payment value grew 44 percent in 2013 and has consistent growth through the forecast period. This is due to higher value per transaction figures as more consumers in developed markets perform bill payments via mobile banking services along with consumers in emerging markets who are transacting at higher values originally forecast. Bill payments will account for about 5 percent of the total value forecast for 2017.
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(OTCQB) TLPY | Recent Headlines
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★ ApplePay (KILLER) 15Minute Candle Parabolic Pullback Play ★
Next Flight: Telupay INTL Inc. (OTCQB) TLPY
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