atom (Mobile Based Payments)

atom mobile application is a Simple, Secure, and Safe way to make payments using a mobile. It allows customers to avail multiple services and buy multiple products on a common platform.

All a customer requires is a Java MIDP 2.0 enabled phone to install the atom application to avail the services offered by the mobile application platform. Once the atom application is downloaded on the customer’s phone s/he can add upto 16 credits / debit / prepaid cards his / her phone. All transactions made using these cards are authorized by a PIN and encrypted ‘end-to-end’, which means that the data is completely protected while it is relayed from the customer to the bank server and back.

atom’s mobile application is convenient and easy to use, can be downloaded through multiple channels like SMS , WAP link , atom / merchant website etc., one just needs to have basic GPRS activated on phone. atom allows customers to make payments towards extensive suite of services some of which are mentioned below:

* Electricity bill payments
* DTH Top-up
* Insurance Premium Payment
* Buying products and services of popular merchants like Indiaplaza, Rediff, Indiatimes shopping etc.
* Booking Rail Tickets
* Booking Airline / Bus Tickets
* Rail Ticketing
* Hotel Bookings & Tour Packages
* Movie Ticketing
* Subscription services for Movie rentals, magazines , matrimonial sites etc.
* Flower Delivery
* Broadband Internet Bill Payment
* Municipal Tax Payment
* Gift Vouchers
* Toll Plaza Card Recharge (Coming Soon)

Benefits of using atom

* All transactions are Pin protected so customer’s card details resides on phone. Hence cannot be accessed or misused by anyone even if the phone is lost or misplaced.
* It supports multiple payment instruments like credit cards, debit cards and prepaid cards.
* Transactions receipts / transaction history is stored in the application and the same can be accessed by the customer as and when desired by the customer.