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Financial services
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Mobile payments “over the air”
A mobile phone is a handy device, and if it is also a payment card, then it is twice as handy. Contactless bankcards, such as VISA Paywave, and Mastercard PayPass, in the mobile phone: is it possible? Yes! In mobile phones equipped with PODSIMKA, there appears a possibility of personalization and safe delivery by air of electronic bank cards directly into the device itself. With a positive balance of funds on the account, one can easily pay for a variety of goods by simply placing the phone in the special terminal.
In fact, the active card in PODSIMKA is a banking contactless smart card, which has been certified according to the standards of the basic payment systems. PODSIMKA can be easily integrated into the existing bank infrastructure and can be used as a standard payment card at ATMs and points of sale equipped with contactless POS-terminals of the EMV standard. The bank reserves the secure remote access to all the issued cards and the customer gets one more service — complete payment mobility.


znak.gifAdditional benefits from using PODSIMKA for banks include affordable cost of contactless terminals and small investments into their network development, as well as the possibility to launch additional services such as processing of prepaid cards and loyalty programs.

znak.gifPartners of PODSIMKA in the field of mobile commerce will be able to save on the commission for accepting card payments, will benefit from the service rate, will be able to reduce the proportion of cash payments, and hence the cost of collection.

icon_g6.gifPublic transport fare. Mobility of services conquers new peaks. It is no longer enough to be available 24 hours a day. There is a need for over-the-clock mobility of services that make our lives comfortable, even when it is concerned to everyday fare. Get your fare using the mobile phone with the service PODSIMKA. Now anyone can buy a travel ticket not only in the ticket office or with the driver, but also through the payment terminal, or literally “over the air” by paying for it from your bank account.
icon_g5.gifPrepaid and accumulative cards. PODSIMKA provides new opportunities for the distribution of gift certificates, movie tickets and tickets for public events. Without leaving the house, the customer can purchase a virtual card or ticket through his mobile phone and give it to another holder of PODSIMKA by simply sending the card to his phone.

icon_g8.gifMobile Banking. Bank by using the menu of a mobile phone. This feature comes in a universal application for any phone models. It combines classic functionality of a mobile bank with the ability to safely conduct any payments.

icon_g9.gifMicropayments and P2P transfers. An innovative tool for e-money systems is the possibility of placing an electronic wallet on PODSIMKA and quickly transferring the funds between customers’ wallets.