To ensure the security, simplicity and speed that are the basic minimum criteria of an electronic payment service the SEMOPS payment process is assisted by software applications at all partners involved. Customers and merchants receive the modules from their own banks and mobile operators.

In the mobile environment the customer and merchant modules are tailored to the specifics and technical quality of the handsets, as the design contains SIM card based applications, but also Java and operating system (OS) based modules as well. Merchants may also have a multi purpose POS terminal.

The versatility on the front-end side meets a homogenous, unified back-end infrastructure (payment processor module, Data Center) catering for the combined service.

The service can be used by any types of mobile phones, in any network environment, using practically any communication channels and a number of different transport layers. This feature allows the users to always select the most adequate method for communication (IrDA, Bluetooth, NFC, GSM, GPRS, 3G) based on the handset specifics, available transaction channel and the transaction type. The communication can be SMS based, broadband data communication or even instant messaging.