Providing Seamless Transactions in Europe – DIMOCO Payments Method


With booming populations, an expanding middle class, and regulatory environments that are increasingly open to gaming, DIMOCO Payments couldn’t be better placed to exploit the most exciting opportunities for iGaming expansion.

But despite these technological improvements many countries still lack the requisite banking infrastructure, which leaves operators facing challenges in providing smooth online transactions.

That’s where DIMOCO Payments comes in with its carrier billing solution.

Designed to overcome these hurdles, it provides frictionless, fast, and regulatory-compliant mobile payments for iGaming stakeholders worldwide.

Join DIMOCO’s Senior Vice President of Sales, Bettina Sommer and iGamingFuture’s Curtis Roach as they discuss DIMOCO’s unique approach to gaming payments, integrating regulatory compliance and increasing user conversion and retention rates.

Curtis began by asking:

What is carrier billing? And how can it be useful for iGaming operators?

“Carrier billing is a payment method that allows users to charge purchases, including iGaming deposits, directly to their mobile phone bill or prepaid balance.

“This method removes the need for credit cards or third-party payment gateways, making it a seamless, one-click solution for users.

“For iGaming operators, carrier billing can expand their market reach by targeting a broader customer base – almost anyone with a mobile phone. This is especially advantageous in emerging markets where credit card penetration is low or among younger, mobile-first customers who value convenience and speed.

“As the entire transaction happens via the user’s mobile device, it offers a highly secure and efficient process, improving customer satisfaction and potentially increasing user engagement.

“The method is perfect for microtransactions, which can lead to higher player conversion rates for iGaming platforms.”

How can DIMOCO help iGaming operators with KYC and compliance challenges?

“DIMOCO simplifies the compliance process by integrating mobile network authentication into carrier billing, reducing the need for intrusive KYC (Know Your Customer) checks that often deter users.

“Through mobile carrier data, DIMOCO can assist operators in verifying customer identity without requiring extensive documentation, allowing operators to meet local regulatory requirements while minimising friction.

“The result is a secure, compliant payment process that doesn’t compromise user experience.

“This balance between compliance and user convenience helps operators retain customers, while maintaining the necessary regulatory standards across different jurisdictions, enabling them to focus more on customer engagement and less on administrative challenges.”

How can carrier billing attract casual bettors?

“Carrier billing offers a quick, simple, and secure way to pay, which is perfect for new customers and casual bettors – especially those who only place bets during significant sporting events.

“The beauty of carrier billing is that you don’t need to enter any credit card details, set up bank accounts, or sign up with a separate payment service. It’s ideal for users who aren’t as familiar with iGaming platforms and just want an easy, hassle-free way to place a bet without going through a complicated process.

“With carrier billing, placing a bet is easy: just a few taps, and you’re done. This convenience removes the usual barriers and makes it appealing for people who bet occasionally.

“It encourages spur-of-the-moment bets and attracts a broader audience, helping operators reach more than just regular players and expand their customer base.

“During the Euros this year, across our merchants, we saw a 25 percent increase in payments made by carrier billing, for example.”

How has DIMOCO helped operators achieve their acquisition goals?

“DIMOCO’s partnership with operators contributes to customer acquisition strategies by streamlining payment processes through carrier billing.

“Operators benefit from our user-friendly mobile payment solutions, allowing players to make deposits quickly and easily without additional payment instruments.

“This convenience increases player deposits, especially among mobile-first users, who appreciate the simplicity of charging deposits directly to their phone bills.

“The reduced friction in payment processing helps attract new users, particularly from untapped demographics such as younger players and casual bettors who are more likely to engage with easy-to-use mobile payment systems.

“Moreover, our compliant and secure payment infrastructure and use of the Agent model enabled Operators to meet regulatory requirements while focusing on a seamless user experience.”

What is the ‘Agent Model’? And how is it used for online betting?

“The agent model is an approach that we pioneered at DIMOCO. It means that, as a licensed European payment institute, DIMOCO can enter into strategic partnerships with mobile network operators (MNOs).

“Under the terms of these partnerships, the MNOs can act as our payment agents.

“This is interesting for online betting as the interpretation of digital goods under the revised Payment Services Directive guidelines differs between countries. This means some jurisdictions do not see gambling as a digital good; therefore, carrier billing is impossible.

“However, this roadblock is eliminated with the agent model, which allows us to make partnerships and, therefore, operators to use carrier billing. For online betting, the spending caps are €50 per-transaction and €300 per-month.”

Editor’s Note:

Pay-by-mobile solutions have gained widespread popularity in countries with lower participation rates in formal banking systems.

DIMOCO–through its dynamic carrier billing network–is expanding on this trend: to include a broader range of stakeholders and make it easier for both iGaming operators and consumers to access online betting.

DIMOCO’s one-click solution is secure and efficient, and anyone with a mobile phone can use it. Plus the benefits of built-in compliance, which eliminates the need for ‘intrusive’ Know-Your-Customer checks, are clear.

With automatic user identification–via mobile network data–, payments are streamlined, and this improvement in user-experience helps drive engagement, conversion, and retention rates.

Moreover, as the user doesn’t need to add details to pay, it removes barriers, making betting more appealing for casual consumers, a key positive in driving revenue gains during significant but infrequent sporting events, such as the recent Euro 24 football championship.

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