mPay solution is a proprietary, innovative technology that enables to authorize, process and arrange settlement of transactions initiated with any kind of mobile headset.

The platform is universal (compatible with any mobile network and any phone), easy to use (with a single interactive scenario), and comes with a low cost to the payer, payee and the operator (no need for new phones, phone modifications or special configurations). While its primary access interfaces are USSD-text and voice-IVR sessions (chosen based on user preferences), mPay system is also NFC-ready...

...mPay system is unique for a number of reasons. It is likely to have a profound impact on payment, money transfer and other financial services in its country of origin and internationally. It will complement and it is likely to become a serious alternative to the payment card value chain, as well as the use of cash...

mPay Intl, a Polish joint venture company, developed the technology and has already deployed it successfully in Poland.

RI-based Ocean State Solutions, formed in July 2007, is doing business as mPayUSA.