TelUPay’s service encompasses a wide-range of mobile banking services including SMS, WAP, GPRS and browser based solutions that feature; transfers between accounts, peer-to-peer fund transfers (remittances) both domestically and internationally, bill payments, merchant payments, mobile airtime purchases, balance inquiries, customized retail and corporate applications and a host of other services designed to provide the ultimate convenience to the customer at the lowest possible cost, while lowering the cost of conducting financial transactions to its clients.