CashOnMobile

Name

CashOnMobile

Legal name

Decimal Factor Limited

Website

https://cashonmobile.co.uk

Company type

Private

Founded year

2013

Operating status

Operating

Headcount range

1–10 employees

Ownership category

akta.pro rank

Product category

Mobile Payments / Mobile Top-up Services

akta.pro primary industry

Carrier Billing & Telco Mobile Money (FSAMAEAD)

akta.pro secondary industry

International Bill Pay & Cross-Border Airtime/Top-Up (FSAGAKAM)

Keywords

• Mobile top-up services
• Digital payment platform
• International airtime remittance
• Retailer payment processing
• Mobile wallet services

Headquarters

HQ city

London

HQ country

United Kingdom

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Software

Cost components

Technology or R&D, Operations, Infrastructure, Personnel, Marketing or Sales

Revenue model

1. Mobile Top-Up Transaction Fees: Revenue generated from mobile top-up transactions. Retailers purchase airtime credit and resell to end customers, with CashOnMobile taking a transaction fee.
2. International Top-Up: Revenue from international mobile top-up services covering 80+ countries.
3. SIM Card Sales Commission: Commission-based revenue from SIM card orders through revenue share arrangements with retailers.
4. Virtual Terminal Services: Online payment processing services with 3D Secure protection for merchants.

Pricing tiers

Go-to-market motion3 records

Distribution channels6 records

Marketing channels4 records

Core offering

CashOnMobile operates a digital content platform that enables mobile airtime top-ups for all major UK operators and 80+ international destinations through SMS, Web/App, and physical Terminal channels. The platform serves retailers, merchants, and end consumers with PCI-DSS compliant payment processing, Virtual Terminal payment acceptance with 3D Secure, and an API for partner integration.

Product overview

CashOnMobile is a digital content platform offering multiple mobile top-up distribution channels. The core offering consists of a unified platform with four main service delivery methods: SMS Based Top-Up, Web/App Based Top-Up, Terminal Based Top-Up, and Virtual Terminal. Supporting services include International Top-up (covering 80+ countries), Order SIMs (with revenue share commission), and Calling Cards. The platform is accessible via mobile phones, tablets, PCs, and Android devices, with no restrictions on location, time, equipment, or security.

Differentiator

Problem solved

Functional benefit

Products and services

• Mobile Top-up A digital airtime top-up service allowing users to recharge mobile phones for all major UK operators (O2, Vodafone, T-Mobile, Orange, and others) through the CashOnMobile platform.
• International Top-up A service enabling users to send mobile airtime credit to recipients in more than 80 countries worldwide, accessible via Web and App channels.
• Order SIMs A SIM card ordering service offered through the platform where retailers can earn commission on a revenue share basis.
• Virtual Terminal An online payment processing solution with 3D Secure protection that enables merchants to accept card payments securely through a web-based virtual terminal.
• SMS Based Top-Up A top-up channel where users send SMS messages with operator syntax to a designated number (+44 753 741 0154) to recharge mobile phones, with credit delivered within a minute, supporting all major UK mobile operators.
• Web/App Based Top-Up A three-step online or mobile application-based top-up process where users provide mobile number, select amount, and receive transaction confirmation upon successful completion.
• Terminal Based Top-Up A point-of-sale terminal-based top-up service allowing retailers to sell mobile credit to consumers through physical terminal devices in-store.

Quantifiable outcome

• Top-up delivery within seconds

Named customers2 records

Segments3 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Feature5 records

Partnerships

Two partnerships are on record, tiered core.

• My Mobile Payments UK LimitedcoreTechnology or IntegrationPayment infrastructure provider powering the CashOnMobile platform. All payment processing and transaction handling is powered by My Mobile Payments UK Limited.
• Decimal Factor LimitedcoreOthersOperating company that owns and operates the CashOnMobile website. Decimal Factor Limited is the entity that owns and operates the cashonmobile.co.uk website.

Scale indicators2 records

Recent moves5 records

Expansion highlights4 records

Direct peers

• Ding: Ding is a leading international mobile top-up platform connecting consumers to 600+ operators in 160+ countries. It is the closest direct peer to CashOnMobile's international top-up service, competing on breadth of country and operator coverage as well as retailer/partner distribution.
• Recharge.com: Recharge.com is a European digital top-up and gift card platform operating across mobile, gaming, and entertainment verticals. It is a comparable direct-to-consumer top-up peer serving overlapping European and international corridors with a stronger app/web focus.
• TransferTo: TransferTo is a global mobile remittance and airtime top-up hub connecting MNOs, digital wallets, and financial institutions. It competes with CashOnMobile in the cross-border airtime value-transfer space, particularly on API/wholesale distribution to MNOs and fintechs.
• PayPoint: PayPoint is a UK-focused retail payments network offering mobile top-up, bill payments, and parcel services through tens of thousands of convenience retailers. It directly competes with CashOnMobile in UK retail top-up distribution and has substantially deeper retailer penetration.
• Tranglo: Tranglo is a global cross-border payment and mobile top-up network serving mobile operators, banks, and remittance operators across Asia, Middle East, and Africa. It is a relevant peer in the international airtime and remittance distribution category where CashOnMobile operates.
• Payzone: Payzone UK is a retail payments network providing mobile top-up, prepaid, and bill payment services via a network of convenience stores and retailers. It competes head-to-head with CashOnMobile for UK retailer top-up volume.

Regional players

• Payworld: Payworld is an Indian multi-service retailer platform enabling mobile recharge, bill payments, and AePS services through a large retail agent network. It is comparable to CashOnMobile in business model and retailer-led top-up distribution but operates exclusively in India.
• Pay1 India: Pay1 is an Indian mobile recharge and bill payment aggregator serving retail merchants across India. While regionally focused, it operates a comparable retailer-led mobile top-up and digital payment distribution model relevant to CashOnMobile's emerging markets footprint.

Broad incumbents

• Prepay Solutions: Prepay Solutions (a subsidiary of Edenred) is a large UK/EU prepaid card and mobile top-up processor serving banks and retailers. It operates at greater scale than CashOnMobile in the prepaid and top-up processing space with a wider product portfolio.

Emerging players

• Global Roam (Mural Pay / NGN): Global Roam and adjacent mobile top-up/remittance platforms focus on digital-first cross-border airtime and mobile money delivery to emerging markets. They overlap with CashOnMobile's international corridors but with a digital-only, fintech-first go-to-market.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/cash_on_mobile

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds1 record

Investors1 record

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about CashOnMobile