SMS Payment Gateway is a powerful and flexible software product based on the Short Message Service (SMS) available in the mobile phones.

The highlight of this system is its bill pay service. It makes bill payments easy and simple, as it requires only a simple SMS to pay the bill and get the acknowledgement as an SMS. Customers can also inquire through SMS at any time, about the bills from service providers that are registered to their account.

This system is fast and scalable as the architecture and the technologies used are designed as such. Interfaces with the mobile service providers and banking applications utility service providers is open and simple, supporting various protocols, thereby making it easy to add up new service providers. The application has features which enable reconciliation, settlement and dispute resolution.