One-Click Top-ups: Bemobi implements future technologies in partnership with Mastercard

The digitalization of payment methods is not just about replacing physical cash with digital; it's about making the transaction invisible, secure, and universal. At Bemobi, we believe that technology should serve to remove barriers, especially in essential services like connectivity.

It is with this spirit of technological leadership that we announce the strategic expansion of our partnership with Mastercard. We are taking a decisive step to elevate the standard of security and usability in digital top-ups across Brazil, orchestrating the implementation of a robust ecosystem aligned with Mastercard's global goal of tokenizing 100% of digital transactions by 2030.

You might be interested in:

The Three Pillars of the New Top-up Journey

Our role as an innovation enabler allows mobile operators to offer their users the most modern global payment technology:

• Tokenization and SCOF (Secure Card on File): We raise security by replacing sensitive card data with encrypted tokens. With Secure Card on File, we guarantee not only data protection but also service continuity. If a card expires or is reissued, the technology allows for automatic update, ensuring that the merchant always has access to the customer's current credential.
  
• Click to Pay: The Express and Agnostic Checkout: Unlike traditional digital wallets, which are restricted to the cell phone's operating system, Click to Pay offers a universal experience. It simplifies data input, eliminating the manual typing of the card for every new top-up, working across any browser or device. It is the democratization of fast payment.
  
• Payment Passkeys: The Biometric Future: Here lies the true revolution. Payment Passkeys use device biometrics (fingerprint or facial recognition) to authenticate the top-up, definitively replacing passwords and SMS codes. This protects the user against fraud such as phishing and SIM swap, transforming the top-up into an action of seconds: secure, fluid, and easy to use, reducing checkout time.

Availability and Expansion: Web First, Apps Coming Soon

Bemobi is leading this transformation in Brazil in a phased and strategic manner. In this initial stage, these technologies are already being implemented on Web top-up channels, starting with TIM's operations. The goal is to ensure that the top-up experience via browser—whether on desktop or mobile—has the same fluidity as a native application.

But the vision is broader: soon, we will expand this integration to the applications of all partner mobile operators.

By orchestrating these technologies, Bemobi reaffirms its commitment to connecting the world's most advanced solutions, such as Mastercard's, to the reality of the Brazilian consumer, driving the digitalization of top-ups with intelligence and scale.