Offer back an amount of money from  nominal  from , usually in  credit or a  form that later can be used again for other transactions.



Services that enable  User to save their money digitally and do financial transactions using their cellular. This  can be accessed through  User's smartphone, usually using User's phone number as an 's ID, transactions on  application server, and transactions on  .



The application redirect  from   platform to   platform to  with  . Usually,  User does  on   platform to buy an item/, then User uses   , where there is some  that requires a  confirmation on  associated  platform.



Linking   account to   platform (app/website). After   account is connected,  User can  with payments swiftly and easily, without need to input    manually every time doing transactions on that platform.



The user-level account usually uses  User that hasn't verified  identity/KYC (Know You ) on   application, so  User is only able to use  limited feature of   application, such as only can do   and has a specific limit to top-up to their  account.



Acronym from One-Time Password, usually used as an additional layer of security to ensure and protect  User's identity before granting access to accounts or proceeding transactions.

After User receives OTP,  User must input it to  application according to  predetermined time limit (for example 30 seconds or 1 minute) to do identity verification and  with   or login on  application. OTP can't use anymore after it reaches  predetermined time limit.



PIN (Personal Identification Number) is a secret number or personal password consisting of 4 to 6-digit numbers used as  User security method to access an account or do transactions related to their account.

Because it is confidential, a PIN considers more secure than a password that consists of letters and numbers. However,  User must be careful in choosing and maintaining  confidentiality of  PIN, and avoid disclosing  PIN to other people or using it in public places, because it can increase security risks and loss of account access or other sensitive .





The user-level account usually uses  verified User/KYC (Know You ) on   application and entitles to use  completer and up-to-date feature other than  prepared main feature from    to  User.



Return of a paid fund or  or transfer to  previous User's  account.



  that is smooth and without a hitch. This means  Users can do  transactions easily, swiftly, and without any interference or technical difficulties that block   . So that can increase  adoption level and  usage as a  alternative that is more modern and easier to use.



The  of filling up   balances via  transfer,  or through a selling agent.



Usually caused by a technical problem (network) or can be caused by   that hasn't proceeded with   within  time limit by   Issuer on  1-time .