Curious why they are not using simple m payments. Also curious why Africa? Standard Chartered Bank and MasterCard have developed a solution that will allow people in the East African nation to make online purchases with their cellphones, obviating the need for a credit or debit card. The service, called PayOnline, will soon be expanded to other African markets. It allows Airtel Money customers to make online purchases via a 16-digit code, much like using a credit card.