mVERIFY is a secure and cost-effective payment platform that allows merchants to accept financial transactions across the three main channels - Web, WAP and SMS.

This is the first service to offer a cross-platform, multi-channel solution for all web and mobile payment processing needs. Using innovative technology and extensive, worldwide infrastructure, payment processing has never been so connected.

With mVERIFY commitment to ease-of-use, you get to enjoy the benefits of a sophisticated payment solution with rapid deployment times and straightforward administration.

txtNation Global Reach, Personal Touch
txtNation has become one of the leading players in the mobile services sector. Since it was founded by Michael Whelan and Jonathan Rowsell in 2002, txtNation has seen its userbase soar to over 5000 clients in the UK and internationally.

Key Personnel

Dave Cole
David has over twenty five years experience in cards, computing and management services. He has excellent knowledge of applications in the credit, debit, loyalty and payment card industry. Over the last ten years he has been involved heavily in the emergence of smartcards and the EMV standards. He has become a leading exponent in the use of smart cards across all market sectors to exploit and utilise the opportunities the technology provides for expansion, efficiency and increased profits.

(Visa International)
Developed processes and procedures for Visa International to co-ordinate the introduction of EMV chip based applications throughout all of the Visa regions.

Mitch Harris
Developed statistical analysis tools and probability calculation sub-system for complementing a rules-based fraud alerting system now in use at a Swiss bank. Responsible for developing the algorithm used for integrating evidence from different rules to produce a single risk score and for re-engineering the calibration system to speed up the training process.

John McKay
John was responsible for the Design and Implementation of a financial fraud detection system. The system was written in Java and uses IBM Cloudscape (Apache Derby) embedded database. Research went into the development which uses a variety of statistical techniques that are particular good when dealing with the sparse data associated with rare-events.

Michael Whelan
Pionered the mVERIFY payment system for launch late 2006. Collaborated with several best of breed partners for unparalled processing services.