Ecommerce

A flexible, end-to-end commerce platform for MVNO brands, covering device sales, financing, fulfillment, and post-purchase lifecycle management.

Overview

This solution lets MVNO brands launch a full-featured eCommerce store for devices and related services. It is built to keep the customer journey smooth and keep operations partner-led and low lift.

It supports device sales, value-added services, flexible payments, and post-purchase lifecycle management.

Abbreviations used below: BYOD = bring your own device, RMA = returns authorisation, DOA = dead on arrival, OTP = one-time password, SSN = social security number.

At a glance

• Launch a branded device store for MVNO use cases.

• Sell devices standalone or bundled with plans.

• Support guest browsing and logged-in checkout.

• Offer trade-in at purchase to reduce the upfront device cost.

• Add device insurance (MDC) for new devices and BYOD (eligibility-gated).

• Support card payments and device financing (eligibility + partner flow).

• Run a partner-led model:

  • Vertex: inventory, fulfillment, RMAs

  • Asurion: trade-in and device insurance

  • Terrace Finance (and Klarna in progress): financing

  • Eye4Fraud: fraud screening

• Provide post-purchase self-serve via My Orders: tracking, cancellations, and add-on visibility.

Core customer capabilities

Device purchase

• Browse and compare a curated catalog of mobile devices.

• Purchase devices standalone or bundled with a mobile plan.

• Support guest browsing and logged-in checkout.

Trade-in

Trade-in lets customers offset the cost of a new device at purchase.

See: Trade-in.

Device insurance (MDC)

Device insurance is offered during device purchase and (for existing customers) shortly after activation.

See: Device insurance.

Device financing

Financing is shown at checkout for eligible SKUs only.

See: Finance.

Operating model (what matters)

Settlement (high level)

Settlement timelines and commercial terms are indicative. Confirm during onboarding and contract finalization.

• Outright purchase: customer pays via the brand’s payment gateway. The platform settles with Vertex per cycle.

• Financed purchase: finance partner pays the platform on approval. Customer repays the lender.

  • Details: Finance

• Trade-in credits and settlement: Trade-in

• Device insurance billing and settlement: Device insurance

Inventory, fulfillment, and RMAs (high level)

• Inventory is owned and held by Vertex until the point of sale.

• Orders are transmitted to Vertex for pick, pack, and ship after validation.

• Order and add-on visibility is provided in My Orders (where enabled).

• Returns and cancellations follow controlled RMA workflows with Vertex.

Title transfer (high level)

• Outright purchase: title transfers to the customer at delivery.

• Financed purchase: title is typically held by the finance partner until final payment.

  • Details: Finance

• Trade-in device: title transfers to Asurion when the offer is accepted and device received.

  • Details: Trade-in

Standard vs configurable capabilities

The platform provides standard out-of-the-box capabilities. Clients can configure key areas to fit brand and operating requirements (typically on a T&M basis).

Area	Standard (out-of-the-box)	Configurable by client
Device purchase flow	Browse, cart, and checkout	UI branding
Trade-in journey	End-to-end flow	N/A
Device insurance	Add-on and BYOD support, coverage plans and messaging	N/A
Financing	Integrated finance checkout	Eligible SKUs, partner selection (once Klarna integration is complete)
Payments	Card and finance	N/A
Fraud controls	Baseline screening	N/A
Fulfillment	Partner-driven via Vertex	N/A
Subsidy	Tracking and invoicing	Eligible SKUs, plan bundles, amounts
Communications	Standard order notifications	Templates, tone, branding
Reporting	Transaction-level data	N/A

Partner ecosystem

The solution integrates with a partner ecosystem for fulfillment, device insurance, financing, and risk.

Capability	Partner	Status
Device OEMs / distribution	Vertex	Active
Fulfillment and logistics	Vertex	Active
Trade-in	Asurion	Active
Device insurance	Asurion	Active
Financing	Terrace Finance	Active
Financing	Klarna	In progress
Fraud and risk	Eye4Fraud	Active
Payment gateway	Brand default gateway	Per client

Roles and responsibilities

Party	Responsibilities
Platform	eCommerce experience, checkout, integrations, order orchestration, inventory sync, invoicing, collections, and subsidy tracking
Vertex	Pre-sale inventory ownership, warehousing, fulfillment, shipping, and RMA management
Finance partners	Financing approval, repayment collection, and title holding during the finance term
Asurion	Device insurance underwriting, trade-in valuation, and trade-in processing
Eye4Fraud	Fraud assessment and transaction risk scoring
Client brand	Product ownership, brand experience, catalog curation, subsidy funding, first-line customer care, and regulatory compliance

Reporting

Standard reports are available for the eCommerce store:

• Report stack_Device store.xlsx

Questions or clarification? Reach out to your respective account manager or email at [email protected]