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CLIENT
Buy goods online and pay without revealing Your credit
  card data to the merchant
All your transactions on cPay can be found in the
  List of my payments section which can be accessed at any time
Pay bills on utility services
Balance inquiry
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MERCHANT
Accept payment cards quickly and easily by
  customers around the world
Allow shopping on Your web site
Customers pay on secure cPay pages
List of payments
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BANK
List of all incoming and
  outgoing transactions on cPay
Registration of sms, tIVR,mIVR users
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