For the consumer

• Ease of use 
  - Direct and immediate recharge anytime, anywhere
  - Higher availability due to always available products (no sellouts)
  - Any denomination available – recharge is not limited by cash at hand
  - No handling of scratch card

• Reduce cost
  - No lead times, lowering purchase & process management costs
  - No packaging and shipping costs
  - No need of warehousing (space, insurance etc) and shrinks logistic costs
  - Savings in IVR costs
  - Savings in storage and management for Distributors and Retailers
• Recharge is not limited by cash on hand
• No capital investment in stock is required in the warehouse
• Sell outs (out of stock) do not happen
• Minimizes theft and fraud

• Increased sales
  - always in-stock (provided there is credit)
  - ability to accept lower recharge values
• Savings in storage and management for Distributors and Resellers
• Deploy a reseller network quickly and at low cost
  - Uses resellers already existing handset
• Eliminating logistical and security issues

The electronic top-ups can be done through a multitude of interfaces such as cash registers, credit card terminals, mobile handsets, ATMs, e-kiosks, web portals etc.

Multiple levels in the distribution hierarchy can be created and administered. Cross selling between any distributor and any reseller gives flexibility in managing distribution channels. Commissions and bonuses are calculated and applied to a resellers account during credit transfer based on the amount of transfer.

The P2P Balance Transfer functionality enables a subscriber to transfer his/her balance to friends, family and others. It is an excellent tool in the hands of a subscriber to perform real-time low denomination top-ups.

The high scalability makes the solution suitable for green field operators as well as for established operators requiring capacity for thousands of transactions per seconds.

Electronic top-up helps operators to successfully expanding business into lower income segments in a profitable way and capture the full business potential on high growth markets. It also provides cost efficient ways of managing small value refill, which are important to enable low income user to stay connected and generate more revenues.

Electronic top-up helps operators to grow revenues and improve cost efficiency by increasing availability and affordability of refills for consumers . It also helps operators on high growth markets as well as on mature markets by providing cost efficient handling of refill distributors and resellers.