Present electronic payment services are relatively expensive for the users actually in some cases they are prohibitively expensive. This is of no surprise if one looks at the operating conditions of the services and the security environment they have to cope with. As discussed already existing services are targeting a limited clientele, are lucking scale of economics and therefore if they want to make money they need to charge hefty commissions. The situation is further deteriorated by the high security expenses these services are facing, either in terms of expensive complex solutions, high fraud rate or both.

Contradictory to existing solutions the SEMOPS service can present good economic conditions both on the revenue and the cost side.

The service is relying on numerous revenue channels and large potential clientele.

• Different sales channels are combined. (Internet, mobile)
• A number of different transaction types are combined. (B2C, B2B, P2P)
• Different product categories are combined. (digital content, out of band, vending, games, parking, EBPP, traditional products, loyalty programs)
• Various commercial situations are combined. (remote, proximity, POS, P2P)
• The client base of various service providers are combined.(banks, mobile operators, others)

A number of factors are contributing to minimize cost of the SEMOPS service. Both capital and operating expenses are kept at low levels due to the favorable environment and process flow.

• The service leverages existing infrastructure, especially in the banking environment.
• The service concept is built around the traditional financial processes, modifying them but not completely replacing them.
• The deployment of the necessary technical elements is simple as integration is built on interfaces and middleware technology.
• The use of standardized solutions in the service and in its technical environment further reduces introductory expenses.

• Personnel expenses are low due to full automation of the service that requires manual intervention only in exceptional cases.
• Communication expenses are low, as wherever it is possible the service is optimized to use those communication channels that are the cheapest. 
• Risk management, and security expenses are also low, as the service relies on existing risk management practices and due to the trusted feature of the payment process good security protection can be achieved with relatively simple solutions.
• The cost of financial settlement is minimized as transactions are settled in large value batch processes. 

The fact that all different kind/type of transactions are processed on the same back-end infrastructures that partially is also shared by other services substantially reduces unit cost compared to any other payment services.