ThreePay is a brand name for carrier billing also known as Pay by Mobile or Charge to mobile, which allows an easy and safe way to purchase digital content and services online without the need to enter credit/debit card details. All purchases assume you are either the bill payer or have the bill payers' permission.
Three has contracted with Trusted Payment Intermediaries (TPI’s) who provide the technical connection between the mobile network (Three) and the third party/merchant/service provider. The TPI must get permission from Three UK to add new services and there are strict rules about the information the customer must be shown and how the customer journey should look. To remain connected to Three all TPI’s must maintain both behavioural and technical standards that support a safe and secure payment method. All TPIs and their merchants are registered with the regulator.
Most payment journeys will involve entering your mobile phone number and a PIN, sent via text, to verify the user. This may be done at the point of purchase or when setting up a payment method within an Appstore or website which requires a username and password.
Customers have 14 days from the date of the purchase to change their mind, cancel the purchase and receive a refund. The merchant may have asked to agree to the immediate delivery of the service or content and in doing so, they will have waived their right to cancel. If the purchase is a subscription service with a recurring charge, then they have the right to cancel the service and all future charges by following the instructions given in the text message sent to them after the purchase. Other rights that consumers may have (statutory or otherwise) including rights related to faulty or incorrectly described goods are between the consumer and the merchant and any enquiries or disputes must be addressed directly with them using the phone number provided in the receipt message. Customers can escalate any dispute between them and the merchant to Three as long as they have discussed the dispute with the merchant and can provide evidence of that discussion.
The operation of this payment facility is regulated under the Phonepaid Services Authority Code of Practice and is bound by the Consumer Contracts (Information, Cancellation and Additional Charges) Regulations. If you are unhappy with the service or customer care received from a merchant you can raise this with the PSA on 0300 30 300 20 or visit their website at www.psauthority.org.uk.
The mobile phone owner is responsible for their device and should be aware that it can be used to purchase goods and services and so they are responsible for others who may make purchases on their device.
Purchases can be made via other devices such as websites and games consoles, but payment set up will use pin verification to ensure the user has the mobile handset and can authenticate the purchase. App stores have parental controls that should be reviewed before giving a device to a minor.
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