For the Business: The merchant can accept payments from any of the billions of mobile phones capable of texting worldwide. Customers that would have otherwise not been reached. Easy to use. Improved customer satisfaction. Instantly access a powerful payment tool with your customer's cell phone number (information most likely on file). Can build upon customer loyalty through SMS marketing messages, Discounts, Coupons, etc. Merchants can receive payments from customers without a bank account or credit card.