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Theoretical and practical course in Obopay
Come on! Go ahead! "How long does it take to become an Obopay member? I want to send and receive money right away!"
This question may be found among all other frequently asked on Obopay page. And for the answer there are quite cheerful words: "It takes just a few minutes and a few pieces of information to get started... You can start using Obopay on your phone right after sign-up." So, let's take "a few pieces of information". Well, first is that registration is free of charge and after the registration you may download the company's software to use it on your mobile phone for financial transactions via your handset or you may operate your account right from the website. And not the last thing to be mentioned is that "Obopay is a mobile payment service that lets you send and receive money from any of the 200+ million mobile phones in the US." Consequently non residents should forget about the service so far. After your visit the company's webpage with the intention to send and receive money with Obopay, you need to directly click on a bar with a conspicuous title "Sign up". Now there is a suggestion made by the system to choose an account type: "Select the way you want to send and receive money from other Obopay users. Once you've made your selection, you're just a few minutes away from using Obopay." It is up to your wish and your circumstances to determine whether you would better create an Obopay account or use your existing checking or savings account. In case you choose the first option your account will feature as follows:
No credit check required. If you decide to select the second option you are provided with the features like these:
For instance, we decided to open a new Obopay account. Having marked, or putting into Obopay slang having ‘obolized' the item ‘Create an Obopay account" we push the button "Continue". Then we may see the application form to be filled in. In the application you should point out the information about your name, address, your e-mail, mobile phone number, and your date of birth. Besides you are to compile a username, password, PIN and a secret question with a secret answer to it. Obopay draws user's attention to the necessity of properly treating the password matter. "To protect your account, each new user must choose a password at least 6-characters long when they sign up. To make your password as secure as possible, think about using a combo of letters, numbers and symbols (such as: $, %, @, etc.). Pick something that is easy for you to remember, but hard for others to guess. Do not give out your password to anyone." A secret question and an answer (Q & A) to it are composed to restore the password that a user might have forgotten. In case a user forgets its Q & A, he needs to contact Obopay Customer Service and be ready to provide information about the account in order to verify his identity. Again, you click the button "Continue and save". But before you do it, there is a little box under the application fields. This box must be checked which will confirm that you have read the Obopay Terms and Conditions and the Obopay Privacy Policy as well as the agreement to receive disclosures electronically. Your clicking the bar to continue means that you admit validity of the subtext that reads: "By clicking "Continue and Save," I expressly authorize Obopay to send me commercial messages by email and SMS to the email address and phone number I have input above. I understand I can opt out of promotional messages by Obopay at any time by changing my preferences on my own account page or following the opt out instructions in the email or text message. Standard carrier charges and taxes may apply to any text messages that Obopay may send to your wireless device." The system thoroughly checks the information provided by a new user therefore possibility to hocus it is practically eliminated. Having filled in the application you should confirm your information and then confirm your phone number. But, of course, we may act another way. We can sign up with existing checking or savings account. The application form is absolutely the same as in the previous option. So we fill in the application followed by the same two steps with the only difference - before we confirm our information and our phone number, we should add a bank account. Now we may enter log in. To start using Obopay system we can either download Obopay mobile application or send and receive money through text messaging (SMS) if we fail to have this application downloaded or installed. The application is downloadable both from the website through Internet and from your mobile phone by going to wap.obopay.com. Assume we select the first alternative. For this you should log into your Obopay account and select the top menu option 'Use Obopay'. You will be instructed step by step how to more efficiently get Obopay onto your phone. Although Obopay optionally supports SMS it is more convenient when using the Obopay application software resident on your mobile phone. Besides it has a richer functionality. Top up your Obopay account "Add money" feature allows you to add money to your Obopay account using the following methods:
You can add funds from your bank account or from a credit/debit card on your phone if you have already set it up from the Obopay website. To set up a new bank account or credit/debit card select "Payment Methods". Adding money from a credit or debit card is instant. The money added with credit or debit cards will be available to send/spend within moments after you request it. Any credit or debit card with either the Visa® or MasterCard ® logo can be used to add money. The minimum amount to be placed is $10, and the maximum amount is $310 per week. You can add money to up to 3 times per week, for up to $310 per week. You can also use cash at what Obopay is calling a "load network center" in your neighborhood. Once you've successfully opened and funded an Obopay account, you'll soon receive an Obopay MasterCard Debit Card in the mail - which can be used to spend the funds in your Obopay account (or to withdraw cash at ATMs) everywhere that MasterCard is accepted.
Obopay mobile
The nation's first comprehensive mobile payments services - available via any SMS or data-enabled mobile phone - So, you can use Obopay from your phone's Internet browser, via text messaging(SMS), or the Obopay application onto your phone. The latter is applied only to certain phone models. Besides, Obopay is partnering with four nation's premier mobile operators which are using Obopay. Among them there are Verizon Wireless, BlackBerry, Cellular South and Helio.
Thus, if your phone supports Get it Now application, then go to Get it Now/Get Going on your Verizon handset and look for Obopay under the Business/Tools section. If your handset is not on the supported list, you can still use Obopay through the mobile web browser on your Verizon phone. Go to the URL m.obopay.com in your mobile browser to start using Obopay. And surely, if you want, you can use Obopay via text messaging (SMS).
Enjoy convenient application The company's application is one of the easiest ways to get, send, and spend money directly from your mobile phone - anytime, anywhere. It is quick, secure, and easy to install. Simply download it from Obopay website. When you get a message on your phone follow the instructions and you're done. To get started log into your account with your user name and password and select DOWNLOAD OBOPAY to begin. And as it was mentioned above only certain phone carriers and models are supported. Managing your menu
Use Send Money to pay anyone with a mobile phone. They will get a text message on their mobile phone letting them know they have received payments from you. If they have an Obopay account, the money will be instantly sent from your account to theirs. If they do not have an Obopay account, Obopay will hold this money as a "pending payment" until they sign-up and claim their money.
Get Money Use Get Money to ask a mobile phone user for money. Both you and the party you're requesting money from must be Obopay account holders. The person receiving the payment request will get a message that they have a new item, and they may accept or decline the request. Requesting a tip from the recipient is optional. As a feature, it can be enabled or disabled from Settings in the Obopay mobile application. From Settings, select Get Money and then Request Tip. If Request Tip is checked, it will always appear to the recipient when you send a request for payment. Recipients can enter a tip amount to add to the total amount paid or select OK (leaving the amount at $0.00).
Use balance to get amount available in your account.
Use history to get up to 30 days worth of transaction history. You can see 5 transactions at a time. Select more to the next 5. You may also select any of these transactions to get detailed information about it.
Invite Friends Send an invitation message to your friend from your phone. Select Refer Friends and then enter the phone number and email address for each person you invite so Obopay can ask them to sign up too. For each friend who accepts your invitation and signs up, Obopay will instantly deposit a $5 Thank You Bonus in your Obopay account. If multiple people invite the same person, that person gets to choose which invitation to accept, so better get in good with your friends to make some quick cash! Guidelines to enter your information Phone Numbers When selecting Get Money or Send Money, enter the phone number with area code. No dashes or spaces. Address Book On many phones you can access a phone number from your address book by selecting contacts on the Send to or Get from screens. The contacts option may be found in the options menu with the Obopay application. Amounts Must be between $0.01-$2500.00. No need to add decimal points--add zeros for dollar amounts. Your PIN Your PIN was provided when you signed up. If you've forgotten it, call 1-888-8OBOPAY or 650-264-2100 and they will reset it for you. Adding message Adding a message (32 characters in length maximum) to send to a recipient is optional. Select OK to skip adding a message. Other menu options Obopay Notification Ring Tone On some phones Obopay application allows you to select and customize a ring tone for Obopay on your phone. The Obopay application plays a default ring tone on these phones. You can change or turn off the default Obopay ring tone from the settings menu option. This can be found within the options menu on the Obopay main menu screen on phone where this feature is available. Shortcuts Back: returns to previous screen. Clear: erases the last character typed. Contacts: accesses your address book. Exit: closes the application.
WAP facilities Use Obopay over the Internet from your mobile phone on any mobile phone capable of access the Internet. That means almost any phone out there. Begin by opening the Internet browser on your mobile phone and going to http://wap.obopay.com/. Follow the simple steps below to get started: 1. Open the mobile web browser on any mobile phone or mobile device. 2. Type http://wap.obopay.com 3. Enter your mobile number and Obopay 4-digit pin. 4. Select an option from the main menu. For example, if you want to pay someone for lunch:
5. Be sure to bookmark this web address in the Internet browser on your mobile phone for future reference.
Sending money You can use Obopay to pay anyone with a mobile phone, whether or not they are currently an Obopay member. They will get a text message on their mobile phone letting them know they have received payments from you. If they have an Obopay account, the money will be instantly sent from your account to theirs. If they do not have an Obopay account, this money will be held as a "pending payment" until they sign-up with Obopay and claim their money.
Getting money Use Get Money to request money from another mobile phone user. Both you and the party you're requesting money from must be Obopay account holders. The person receiving the payment request will get a message that they have a new item, and they may accept or decline the request.
Getting help
Invite Send an invitation message to your friend from your phone. You'll need to sign up first and the company will need a phone number or email address for each person you invite so Obopay can ask them to sign up too. For each friend who accepts your invitation and signs up, Obopay will instantly deposit a $5 Thank You Bonus in your Obopay account. If multiple people invite the same person, that person gets to choose which invitation to accept - so better get in good with your friends to make some quick cash!
SMS your Obopay money Use Obopay from any mobile phone by sending a text message (SMS). It works on all carriers, except for Cingular. Text message your command to 62729 (OBPAY). They will respond with the result. For the security, when you try to send money, the automated system will call your phone and ask for your PIN before completing the transaction. You can send money to anyone with a mobile phone. They will get a text message on their mobile phone letting them know they have received payments from you. If they don't use Obopay yet, they may collect this money when they sign-up. Send money Send phone-number amount message For example, send 6505551212 5.97 money for lunch Your account balance Send bal History of last 5 transactions Send his Help Send help Get money (request money) Get phone-number amount message For example, get 6505551212 5.23 you owe me! When you receive a get-money request, you can accept or decline it. Identify the request using its transaction ID. Accept get-money request Send acc transaction-id message For example, example acc 1748 here you go Decline get-money request Send dec transaction-id message For example, send dec 1748 no way! If it is hard to remember these commands just remember this: send "com" to 62729(OBPAY), and Obopay will tell you the list of the commands. At any time, you can cancel your Obopay account by sending the text message "stop" to 62729. Get Obopay on AIM
1. Right click on their AIM® buddy in your AIM® window.
2. Select "Send money using Obopay..."
3. Once the Obopay plugin appears, login using your Obopay username and password. If you don't have an Obopay account, click on "Sign up now" to register. 4. Click on "Send Money". 5. Enter in the phone number of your AIM® buddy, the amount to send them, your secret pin, and a message. Click "Next" to complete the transaction. You can send money to an AIM® user who does not have an Obopay account. Simply enter in their mobile phone number to send them a payment. Favorite way to Obopay "I love using the request pay feature from my phone's Internet browser because it makes it so easy for me to send money to my husband or kids. And that means they too can pick up dinner, the dry cleaning or any other last minute errands." Carol Realini, CEO of Obopay. "I Obopay money from my bank account to my teenage nephew, who is always running out of money." Gregory Holmes, President, US "I like adding money to my Obopay account;it's so easy. I also like knowing that I have instant access to emergency cash if I need it." Dave Johnson, CFO "I like being able to send emergency cash to my young adult children. And Obopay enables them to carry less cash and easily share expenses with their friends and roommates." Judith M. O'Brien, EVP, International Strategy, General Counsel, Secretary "For me it's all about my kids' allowance. With Obopay, I don't have to give them actual cash, something they typically lose. Plus, now I know exactly where they are spending their allowance. What's not to love?" John Tumminaro, Cofounder, CTO "I like the convenience of paying anyone back instantly from my cell phone and not have to carry cash anymore." Ramy Mora, VP, Marketing "I threw out my checkbook when I opened up my Obopay account - I pay for all of my services using Obopay - fantasy football fees, gardening services, association dues, etc." Christian Delay, VP, Mobile "The ability to instantaneously send my children their allowance and emergency funds is awesome." Chris Martin, VP Operations, Treasurer and Compliance Officer "Whether it is paying the babysitter, reimbursing friends or giving a tip to the pizza delivery person, I use Obopay instead of cash or checks whenever I get a chance. It is so convenient and available." Tyler Sloat, VP, Finance and Controller "Splitting bills with friends. It's convenient, effortless and real-time." Irv Henderson, VP, Product Development "I like the fact that I can pay the piano teacher easily - particularly because I never have the checkbook with me. I think the piano teacher likes the idea even more - he gets paid on time, has a history to review, and doesn't have to transport my paper check to his bank." Michael E. Diamond, VP, Business Development Petrony, freelancer for Ecommerce Journal
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 October 14, 2008
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