An additional feature to secure the creditcard transaction and prohibit the convenience of a lost creditcard is the MobiClear solution. Each transaction is authenticated through a call to the user mobile phone. The transaction is released once the transaction has been confirmed by the cardholder pushing his/her pincode during the call.

Merchants pay a negotiated fee -- typically 1-3% for larger merchants and 3-6% for smaller merchants -- to measure credence payments. They must also Credit Counseling bear the outlay of providing a point-of-sale solution to enable the acceptance of card transactions and other card admission related expenses.