No. Bill2Phone works like any other payment gateway. From your shopping cart, you make Application Programming Interface (API) calls to our WebServices over secured SSL transmissions. The system works with a HTTPS standard query / response mechanism that provides you with all the control of the transactions from within your own site.

BSG has abstracted the industry standard EMI 4250 like records into standard API calls that are modeled after standard credit card transactions. These calls include: Authorize, Settle, Sale, Credit Order, Void and others. Therefore, integration into your systems is easy.

BSG makes it very easy to integrate into your solutions. Most companies can use our API toolkits and be fully functional in 2 weeks including testing. BSG provides a complete test harness to facilitate testing. If you use either the Zen or OS Commerce shopping cart, a Bill2Phone SDK is available for even quicker integration. We did the work for you, so you only have to compile and go.

Today we reach over 150 million households in the United States that have wireline phones. This means that the reach, for all intent and purposes, is anyone who can provide proper authentication information.

Bill2Phone is simple. Everyone knows their phone number which means there is a truly new convenient payment mechanism for the user.
Bill2Phone is secure. This means that users don't have to worry about where their credit card information is stored, or whether it can be compromised. All transactions require a piece of private information for URU™ authentication.
Bill2Phone 30-day credit line: Bill2Phone extends a 30-day credit line for consumers, much like American Express.
Bill2Phone is expansive: Not everyone has, or wants a credit card, nor do a lot of people trust card-not-present credit card usage, but everyone has a phone line. That means this is a payment mechanism that serves more people.

To provide a higher level of service to consumers: when consumers want to use Bill2Phone for the reasons stated above, then merchants can provide a truly alternative and safe payment mechanism.

More payment choices usually means higher shopping cart conversions to sale.

To reach the unbanked demographic and subsequently increase sales.

Currently Bill2Phone works only in the US. While the systems do not prevent us from moving outside the US, we have not forged the relationships with the telephone operators over seas.