Mobiiliveloitus

Mobiiliveloitus, or mobile billing, is a payment method that charges purchases to a consumer’s mobile phone account rather than to a bank card or digital wallet. It is commonly realized as carrier billing, where the mobile network operator processes the payment and the charge appears on the postpaid bill or is deducted from the subscriber’s prepaid balance. In some setups a third‑party processor facilitates the transaction and settles with the merchant.

To complete a purchase, a user selects mobiiliveloitus at checkout, verifies ownership of the phone number, and authorizes the charge through a short code, an SMS confirmation, or in‑app approval. The merchant delivers the digital content or service after successful confirmation, and the operator bills the customer later or from their balance. The method is widely used for digital goods and services such as apps, games, subscriptions, premium SMS, and other digital content, particularly in mobile‑first markets and where card penetration is limited.

Advantages of mobiiliveloitus include convenience for users who do not have a bank card, high conversion in mobile checkout flows, and fast settlement for digital goods. Drawbacks include relatively high fees for merchants, small transaction limits, regional availability, and potential disputes or fraud risks such as SIM‑swap or social engineering. Since it relies on the mobile operator, it is less suitable for physical goods that require shipping or address data and may be subject to operator policies or national regulations.

Regulatory and consumer protection measures typically require clear pricing and opt‑in consent, with dispute and refund mechanisms in place, while operators continually improve security and fraud controls to protect customers and merchants.