How they describe themselves: payByMobile is a mobile wallet that makes online shopping easier. Shoppers simply text to pay. It enables anyone to shop online as it works on any cell phone, irrespective of carrier. Shoppers load CASH on their wallet at local stores or by card at the ATM, and then just text to pay when shopping online.
What they think makes them better: Card payment options are well covered online, as are card funded e-wallets, e.g. PayPal. We use the cell phone as the gateway to bring cash spending and ATM payments online.