900Pay Service :

900 Pay is a patent pending Navaho service that allows home shoppers to purchase content from the Internet and have the cost of the purchase billed to their phone bill. It is the industries only fully automated online telephone billing transaction system. 900 Pay is private, anonymous and does not require the use of a credit card. The ease of use of this service results in a significant sales increase for merchants providing the compelling reason for the merchants adopting the service. Navaho's 900 Pay is offered as an alternative to credit card allowing the home shopper a choice of online payment options.

To purchase online, home shoppers simply click on a button located on the merchant's website. The home user is not required to register for the service. There is no additional hardware or software required. All that is required is an Internet connection and a home telephone. After having clicked on the 900 Pay button, a patented process takes place that bills the cost of the purchase to the home shoppers phone bill and notifies both the merchant and the home shopper that a purchase has taken place.

900 Pay Merchant Value Proposition and Attributes

The three most significant attributes of 900 Pay are that the service:

1. Improves an online merchant's sales conversion rates and therefore revenues and customer acquisition rates. Conversion rates increase mainly because 66% of regular Internet users do not make purchases online specifically due to fears of having their personal or financial information stolen. 900 Pay gives the home shopper the level of comfort he/she needs to make online purchases by not requiring them to expose any personal information.

2. Ease of use of the system results in a very high close rate for qualifying individuals once they have initiated the payment process A qualifying individual is one who has been determined by the Navaho "dual ID" backend systems to be a non fraudulent purchaser.

3. Reduces fraud or charge backs due to the home shopper being required to initiate the transaction from home allowing the back end automated Navaho administration to determine address, time of order and match name verification to address. The reduction in fraud and charge backs greatly reduces merchant costs of provisioning online shopping.