What is novo ?

NOVO is a new brand of credit using the cell phone as a way of payment. It has the same function of the credit card, but it uses the wireless instead of a plastic card and it has safe mechanisms much more advanced.

Who can use the novo ?

Establishments that wish to receive their sales through the cell phone;
Individuals who wish to enable your phone to conduct purchases through the device;
Companies which seeking more effective alternatives to provide benefits to its employees, as the ticket meal on your phone, for example.

Any type of equipment can use the novo ?

Yes, NOVO system can be used in any type of device, regardless of brand, manufacturer or operator of the mobile telephone. Can even be used without signal or telephone line.

How do I pay the bill for novo ? Is it separate from the account of the phone?

Yes, it is totally separate. It operates normally as a credit card. You choose the best time until the maturity you receive the bill at home or by Internet and it can be paid at any branch.

What do I have to pay to be an user of the mobile payment?

For individuals, there is no fee for new customers, except if you want to buy the SMS package to get confirmations of your purchases, which in this case has a monthly cost of $ 2.50. However, it is mandatory to be purchased using the mobile as a mean of payment.

For establishments, there is an administrative fee of 1.98% on the figures moved through NOVO, and in case you need a wireless POS, an average monthly rate of $ 29.00.

Where can I use the mobile way of payment novo ?

In all the affiliated institutions, which can be found at the link "accredited establishments" on NOVO’s home page.

Individuals can purchase going directly to the affiliate establishment or remotely , by phone or Internet, when the establishment offers the alternative to purchase.

Why is novo system more secure??

Because for a transaction, it is necessary that the user has a password to access the mobile N-Token, which is informed only after the password, generating a random code for that token, just then it is possible to finalize the transaction. No other payment method offers the security mechanisms of NOVO.

What is N-Token?

This is a device (application) installed directly in the cell phone that generates random codes that allow a transaction. For each transaction a unique code is generated immediately, and after its use it is changed. This device is equal to the small token of tags provided by some banks for the client to make any transaction via internet, but with the facility to be installed on the mobile and with more advanced stage of the exchange code.

What is the origin of novo ?

NOVO is a 100% Brazilian company, which operates with strong partnerships to ensure its operation, such as T-Systems, and HP FIT Austin Rating.

If my phone is pre paid, can I pay my credit purchases via cell phone?

Yes, NOVO mobile payment and pay-independent of your phone line, so no matter whether there is credit on your line.

If I'm on a late payment of mobile post paid, can I pay my mobile purchases?

Yes, the mobile payment and pay-independent of your phone line, so no matter whether or not the payment of your account from your mobile post paid.

If my phone is stolen or lost, what security do I have?

Besides the traditional media that you normally would have on a credit card, which is just call and ask the central block, with NOVO using the mobile phone to purchase is subject to password access to the code of token generation. Therefore, it is virtually impossible to buy a mobile that was stolen or lost.