End User client sends an SMS to our commercial shortcode number. 
The wireless carrier conveys funds to Tot Money along with VAT, according to the contracted rate. 
Money is transferred to the WebMoney Purse or settlement account designated by the client. 
TOT MONEY retains its 5% commission fee and settles any wireless carrier and processing fees. We are glad to see you!
TOT MONEY (Net Element International, Inc. subsidiary) is a mobile payment processor and mobile commerce provider that facilitates the payment, aggregation and distribution of mobile transactions. Our clients include wireless carriers, content providers and merchants. TOT MONEY offers the most profitable rates, broad array of payment option including WebMoney or clearing settlement on any working day on a client's request, as well as flexible interface that allows projecting and creating any kind of SMS services.
WAP 
Mobile 
Banks 
Billboards, forums 
Social networks 
Peer to Peer 
Partners 
Dating services 