Products

Markets

Resources

Consumers

Company

DCB & PSMS in Germany

From onboarding to go-live

From onboarding to go-live

Scale your digital services with carrier billing. Everything you need to know about onboarding, compliance, and carrier rules.

For network operators: Telekom · Vodafone · Telefónica O2

Key terms

Fundamentals of payment processing

Fundamentals of payment processing

Billing channels & actors

Billing channels & actors

Direct Carrier Billing (DCB)

Payment method

Payment via mobile phone bill or prepaid balance. Confirmation directly in the browser or in the app.

Direct Carrier Billing (DCB)

Payment method

Payment via mobile phone bill or prepaid balance. Confirmation directly in the browser or in the app.

Premium SMS (PSMS)

Payment method

Billing via premium SMS on the user's mobile phone bill.

Premium SMS (PSMS)

Payment method

Billing via premium SMS on the user's mobile phone bill.

MNO / Carrier

Network operator

Mobile Network Operator – in Germany Telekom, Vodafone, and Telefónica (O2).

MNO / Carrier

Network operator

Mobile Network Operator – in Germany Telekom, Vodafone, and Telefónica (O2).

Aggregator & Service Provider

Interface

Kanzaroo as an intermediary to the billing company (service provider).

Aggregator & Service Provider

Interface

Kanzaroo as an intermediary to the billing company (service provider).

Mechanisms & regulation

Mechanisms & regulation

Double opt-in

Compliance

Two-step purchase confirmation by the user, e.g. via SMS PIN or checkbox.

Double opt-in

Compliance

Two-step purchase confirmation by the user, e.g. via SMS PIN or checkbox.

Retry / retry attempt

Billing

Repeated debit attempt in case of a failed transaction, e.g. due to insufficient funds.

Retry / retry attempt

Billing

Repeated debit attempt in case of a failed transaction, e.g. due to insufficient funds.

Price cap

Limit

Legally or contractually specified maximum amount per billing.

Price cap

Limit

Legally or contractually specified maximum amount per billing.

Bill warning

Limit

Threshold of €20 at which the carrier explicitly warns the customer.

Bill warning

Limit

Threshold of €20 at which the carrier explicitly warns the customer.

Onboarding Workflow

Onboarding & approval process

Onboarding & approval process

Estimated total duration: 6–12 weeks across all 4 steps

3-4 WEEKS

Company review

Kanzaroo manages the legal review and approval bundled across Telekom, Vodafone, and Telefónica O2.

Required documents

  • Completed order form

  • Commercial register excerpt (HRB)

  • VAT ID & tax number

  • Registered company name & managing director

  • Brief description of the business model

  • Official company website

Attention

Declarations of assignment for all 3 carriers must be submitted in the original by post.

2-3 weeks

Service Audit

Review of the specific offer, pricing information, and regulatory landing page compliance.

Required details

  • Service name & final pricing (e.g. €4.99 / week)

  • Active service URL with test/demo access

  • Complete click flow & user journey screenshots

  • All advertising materials (banners, ads, social media)

Note

Please allow 1–2 review cycles for carrier feedback on the landing page.

After approval

Technical integration

Connection of the interface and complete end-to-end validation in the sandbox.

Connection of the interface and complete end-to-end validation in the sandbox.

Integration steps

  • Provision of the REST API documentation via Kanzaroo

  • Token authentication & webhook configuration

  • Test MSISDN recognition & PIN flow in staging

  • Technical acceptance test before release

Go Live

Go-live

Activation of the billing interface in the production system of all network operators.

Steps

  • Final live approval by Telekom, Vodafone, and O2

  • Activate production routing for DCB and PSMS

  • Start of paid marketing campaigns

  • Traffic activation and conversion monitoring

Requirements for your website

Website & landing page compliance

Website & landing page compliance

Anatomy of the Payment Page

EU & German Basic Law

DCB & PSMS Special Rules

Language: German

GameClub Premium

Unlimited games on your smartphone

4.99

/ week

incl. VAT

Billed weekly via your mobile phone bill

Enter SMS PIN

Confirm now with obligation to pay

Cancel anytime – cancel here

Terms and Conditions

Privacy Policy

support@gameclub.de · 0800 123 456

6

5

4

7

3

2

1

8

1

Product Title & Main Benefit

Transparent description of the service.

2

Price Transparency

Final price incl. VAT in euros (€) clearly in view.

3

Billing cycle

Clear specification (e.g., weekly or monthly).

4

Cancellation

Easy-to-understand explanation & direct cancellation link.

5

Legal Notice

Terms & Conditions and Privacy Policy linked and available in German.

6

Customer Support

Clearly visible email & support hotline.

7

Double opt-in

Active 2-step verification (e.g., SMS PIN; no pre-checked boxes!).

8

Default Language

All website content MUST be entirely in German.

Anatomy of the Payment Page

EU & German Basic Law

DCB & PSMS Special Rules

Language: German

GameClub Premium

Unlimited games on your smartphone

4.99

/ week

incl. VAT

Billed weekly via your mobile phone bill

Enter SMS PIN

Confirm now with obligation to pay

Cancel anytime – cancel here

Terms and Conditions

Privacy Policy

support@gameclub.de · 0800 123 456

6

5

4

7

3

2

1

8

1

Product Title & Main Benefit

Transparent description of the service.

2

Price Transparency

Final price incl. VAT in euros (€) clearly in view.

3

Billing cycle

Clear specification (e.g., weekly or monthly).

4

Cancellation

Easy-to-understand explanation & direct cancellation link.

5

Legal Notice

Terms & Conditions and Privacy Policy linked and available in German.

6

Customer Support

Clearly visible email & support hotline.

7

Double opt-in

Active 2-step verification (e.g., SMS PIN; no pre-checked boxes!).

8

Default Language

All website content MUST be entirely in German.

Anatomy of the Payment Page

EU & German Basic Law

DCB & PSMS Special Rules

Language: German

GameClub Premium

Unlimited games on your smartphone

4.99

/ week

incl. VAT

Billed weekly via your mobile phone bill

Enter SMS PIN

Confirm now with obligation to pay

Cancel anytime – cancel here

Terms and Conditions

Privacy Policy

support@gameclub.de · 0800 123 456

6

5

4

7

3

2

1

8

1

Product Title & Main Benefit

Transparent description of the service.

2

Price Transparency

Final price incl. VAT in euros (€) clearly in view.

3

Billing cycle

Clear specification (e.g., weekly or monthly).

4

Cancellation

Easy-to-understand explanation & direct cancellation link.

5

Legal Notice

Terms & Conditions and Privacy Policy linked and available in German.

6

Customer Support

Clearly visible email & support hotline.

7

Double opt-in

Active 2-step verification (e.g., SMS PIN; no pre-checked boxes!).

8

Default Language

All website content MUST be entirely in German.

Carrier subscription rules

Carrier specifications & MNO matrix

CRITERION

Telekom

TELEFÓNICA

VODAFONE

Price cap

€10

€20

€50 (* €5 special threshold)

Bill warning

€20

€20

€20

Billing intervals

At least 7 days

7 days, 14 days, monthly

7 days, monthly

Retry attempts

8 attempts / 60 days

5 / period (max. 90 days)

Max. 4 / month (max. 2 months)

Subscription cancellation

After 2 unsuccessful months

After 90 days without success

After 2 unsuccessful months

Retroactive billing

Current + immediately preceding period

No specification in contract

Current cycle only

Trial subscriptions

Allowed

Not allowed

Upon agreement

Special rules

Testing phases and special conditions

Telekom

Non-factoring contract DAB / Mediator (19.06.2012)

8 booking attempts in 60 days.

Retroactively current + previous cycle.

Error codes according to XTC specification.

Testing phase

Free/discounted trial phases allowed. Reconfirmation after test. Deletion after 3 unsuccessful confirmation requests.

TELEFÓNICA

InternetQ_Payment Contract 8.0
(10/17/2021)

5 attempts per billing period.

Termination after 90 days without billing.

MNO does not acquire claims from failed subscriptions.

Testing phase

Trial subscriptions strictly NOT allowed.

VODAFONE

Vodafone DCB Contract § 4
(01/02/2021)

Max. 4 attempts per month over max. 2 months.

Retroactivity only for the current cycle.

Price cap €50; BUT max. €5 for ringtones, adult videos, or HTML5 games.

Testing phase

Trial subscriptions possible. Individual pricing MUST strictly be coordinated with Vodafone IT.

Documents & templates

Downloads

Vodafone Declaration of Assignment

DOCX

DCB Germany Landing Page Compliance

Vodafone Declaration of Assignment

DOCX

DCB Germany Landing Page Compliance

Telekom Assignment of Claims Declaration

DOCX

DCB Germany Landing Page Compliance

Telekom Assignment of Claims Declaration

DOCX

DCB Germany Landing Page Compliance

Telefonica Assignment Declaration

DOCX

DCB Germany Landing Page Compliance

Telefonica Assignment Declaration

DOCX

DCB Germany Landing Page Compliance

DCB Germany Landing Page Compliance

PDF

DCB Germany Landing Page Compliance

DCB Germany Landing Page Compliance

PDF

DCB Germany Landing Page Compliance

Partner Guide

PDF

DCB Germany Landing Page Compliance

Partner Guide

PDF

DCB Germany Landing Page Compliance

Ready?

Experience our platform in action or speak with our team about a tailored enterprise setup.

Ready?

Experience our platform in action or speak with our team about a tailored enterprise setup.

Ready?

Experience our platform in action or speak with our team about a tailored enterprise setup.

Kanzaroo

Kanzaroo is a payment service provided by InternetQ GmbH, a payment institution authorized under the ZAG (Payment Services Supervision Act) and registered with BaFin (Registration number: 123129).

Kanzaroo

Kanzaroo is a payment service provided by InternetQ GmbH, a payment institution authorized under the ZAG (Payment Services Supervision Act) and registered with BaFin (Registration number: 123129).

Kanzaroo

Kanzaroo is a payment service provided by InternetQ GmbH, a payment institution authorized under the ZAG (Payment Services Supervision Act) and registered with BaFin (Registration number: 123129).