COBI (Common Operator Billing Interface)
Developed for Discover Digital’s Value Added Services (VAS) transactions for their telco clients, COBI was initially designed to meet billing and payment switching requirements. Discover Digital has now evolved COBI into a fully-fledged Digital Transaction Switching platform that can be integrated across multiple industry verticals.
Designed for digital and e-commerce service providers looking to offer multiple billing options, fully customisable digital vouchering and cross-platform billing analytics reporting through a single integration, COBI dramatically reduces time to market and risk for VAS. Clients can activate multiple billing options quickly via a single API integration to COBI, which subsequently manages multiple integrations with selected billing and loyalty partners, a fully codable digital voucher for single assets or subscription services, COBI’s own e-wallet, VAS wallets and bespoke promotions.
A further advantage of aggregating all payment systems through one solution is that advanced analytics across the entire spectrum of the customer base can be harnessed, assessing how many transactions are mobile money based, as well as the success of vouchers versus loyalty redemptions. COBI consolidates all your data and delivers meaningful analytics.
COBI supports additional payment options for the South African market, including Instant EFT real-time secure payments from five major banks; bank EFT via Sage Pay at any of the four major South African banks; cash payments using a barcode presented to participating retailers including Checkers, Checkers Hyper, Shoprite, OK, USave, House & Home and the SA Post Office, in addition to payments via a Masterpass online digital wallet.