Paiement mobile : Visa multiplie les solutions et les services. Mastercard s'attaque au marché des portefeuilles électroniques. Do We Even Need NFC For Mobile Payments? PayPal, Google Weigh In (Video) If you tried to judge whether NFC mobile payments are ready for prime time — based on the amount of chatter you hear in your newsfeed — you’d think the contactless technology was on the brink of ubiquitous adoption.
Nothing could be further from the truth. While it’s true there are other applications for NFC (data collection, advertising, check in, etc), according to Forrester, even those methods are still in “trial and discovery” mode. But those concepts are not what I’m talking about here anyway. I’m talking about NFC chips in mobile phones being used for mobile payments. In fact, there are documented sources out there citing that we are four, five, maybe even ten years away from a realistic and entrenched infrastructure that would allow the masses to make face-to-face payments using secure elements embedded in smart cards and mobile phones.
Five years. But the solution here is more complicated than just dumping a bunch of NFC capable phones into the market. We’ll come back to that. Mobile Payments Startup Beamit Raises $2.4M From Founder’s Co-op, Jeff Bezos, Eric Schmidt & Others. Mobile payments platform Beamit, which focuses on international money transfers between the U.S. and developing markets, has just closed a $2.4 million seed round led by Founder’s Co-op, with participation from Bezos Expeditions (the personal investment company of Jeff Bezos), TomorrowVentures (the investment vehicle for Eric Schmidt) and a small group of angel investors. The funds will be used to further product development as the company moves towards public availability, currently slated for Q3 2012. The company says the first market being targeted is the Philippines. Beamit CEO Matt Oppenheimer formerly ran Barclays Bank’s mobile banking unit in Kenya, which has given him first-hand experience in both mobile banking and the challenges that come from working in developing markets.
Intuit Acquires Mobile Payments Company AisleBuyer, Will Integrate Into GoPayment, POS Solutions. AisleBuyer, makers of a virtual shopping assistant app that lets in-store customers bypass checkout lines by paying directly on their mobile phone, has been acquired by Intuit. The Boston-based startup will be joining Intuit’s payments team, where their technology will be used to transition Intuit’s existing point-of-sale solutions as well as Intuit’s Square competitor GoPayment to the cloud. The solution will also be opened up to Intuit’s own developers as well as third-party developers, according to the company. Braintree Wants To Make It Easier For Developers To Integrate Online Payments.
Braintree, an online payments gateway provider, is hoping to make it easier for developers to start integrating payments immediately.
For background, Braintree powers and automates online and mobile payments for merchants and companies online. The company provides a merchant account, payment gateway, recurring billing, credit card storage, support for mobile and international payments, and PCI Compliance solutions. Previously, developers couldn’t access Braintree’s full suite of tools until they were approved by the company. Now, Braintree has opened slightly to allow developers to create test transactions and explore the provider’s features and client libraries prior to being approved as a payments operator. The company says that this is important because trial integrations and speed to market are crucial to online merchants.
Developers can begin integrating to Braintree through the “Get Started” button on the Braintree homepage. With $1M And An Alpha, Leaf Aims To Overhaul The Payments Experience For Local Merchants. Leaf, a Cambridge-based startup, is aiming to make the experience of paying in a shop more modern with paperless receipts for customers and transaction data in the cloud for merchants.
Backed with $1 million in seed funding, the company just kicked off an alpha with more than a dozen merchants in Boston. It enters a super competitive and complicated space with many other players like PayPal, Intuit, Square, which has its own Pay With Square service, and Stockholm’s iZettle. So first off, Leaf is not a mobile wallet. It’s not a dongle. It’s a service that’s either an app integrated into a merchant’s existing point-of-sale terminal or part of a special terminal that Leaf leases for $20 a month. When a customer swipes their card, the app sends them a paperless receipt and lets them rate their experience with the merchant.
Google Buys TxVia, Banks On Better Payment Technology (And 100M Customers) For Google Wallet. Google has had a few teething problems with its ambitious mobile payments service Google Wallet, but it is also putting some money down to get it on the right track.
Uber Simplifies Sign Up Process: Just Hold Up Your Credit Card & You’re In! On-demand black car service Uber is making it easier for new users to sign up for rides, thanks to its newly-announced Card.io integration.
For those unfamiliar with the mobile payments startup Card.io (a competitor with Jumio), it’s a mobile toolkit that allows app publishers to speed up the process of collecting users’ credit card information. Instead of requesting users to fill out forms by typing in their credit card details on their phone’s tiny keyboards, Card.io allows you to simply hold up your credit card in front of the phone’s camera. The app then “sees” the card, reads the numbers and enters the information for you. Like its well-funded competitor Jumio, Card.io’s service is now available both on mobile and the web, and developers can choose to associate it with their own merchant account or can choose to use Card.io as their complete end-to-end solution.
PayPal Debuts Tiered Suite Of Online, Offline And Mobile Payments Options For Small Businesses. As we heard over the past few months, PayPal is ramping up its payments options for large and small merchants.
The payments giant debuted an in-store payments platform for large retailers; PayPal Here, a card swiper that attaches to a mobile phone for small businesses; and hinted at a brand new PayPal wallet. Tickets sans contact : bouffée d'oxygène pour l'électronicien ASK, PACA. Tagstand Relaunches NFC Task Launcher App, Makes NFC Way Less Geeky. YC-backed Tagstand, a company intent on helping make NFC more of a mainstream technology, is rebooting its Android app, NFC Task Launcher with a whole new feature set and user interface.
The app was already one of the top NFC-based utilities in the Android Market Google Play store before coming under Tagstand’s control recently, when the app’s creator joined the team. The company also says it saw a big uptick in demand for NFC tags when Google released the Galaxy Nexus, and it’s now selling as many tags in a day as it did during the entire month of June, when the service first launched. Card Case Adds More Merchant Discovery, Social Features To iOS And Android; Becomes ‘Pay With Square’ Square’s consumer-focused loyalty and mobile payments app Card Case, which debuted in 2011, has been pushing the envelope when it comes to the future of payments, allowing for hands-free, location-based payments, emailed receipts and more.
And merchants have quietly been adopting Card Case in droves. Exclusif : La BNP va intégrer le NFC à sa carte corporate avant la fin de cette année. Paypal présente sa solution de paiement mobile : Paypal Here. Geode regroupera et sécurisera toutes vos cartes de crédit. Geode regroupera et sécurisera toutes vos cartes de crédit La société iCache vient d’inventer un concept qui risque de faire un tabac, il se présente sous la forme d’un accessoire pour votre iPhone qui vous permettra de regrouper toutes vos cartes de crédit et de les sécuriser en une seule carte !
Brevet : iWallet pour iPhone. Apple vient de se voir accorder un nouveau brevet intéressant faisant référence à iWallet, une solution de paiement NFC (Near Field Contact), pour iPhone.
L’idée est simple pouvoir payer via son iPhone sans forcément de contact, le tout connecté à iTunes permettant de gérer les transactions. Paypal prépare des solutions de paiement pour les petits commerces. Après avoir commencé par adresser les gros distributeurs, Paypal devrait adapter aux petits commerces ses solutions de paiement en magasin physique. Be2Bill : Solution d'encaissement pour e-commerçants par Rentabiliweb. NFC highlights from #MWC12 (THE mobile event of the year) - enterprising business blog. Targeting Merchants, Square Debuts Register iPad App And Analytics; Now Processing $4B In Payments Per Year. As we reported earlier this year, mobile payments company Square revealed that it was planning to add a number of new operational capabilities and data analysis to the register, including in-depth analytics.
Tonight, Square is debuting this functionality in the form of a new iPad app. The app aims to replicate the actual experience of a register, similar to Square’s existing iPad app. But this new, free app, called Square Register, comes as a more full-fledged point of sale offering. You can access the app here. Mobile Payment Solution LevelUp Now Seeing $1M Per Month In Transactions; Launches API. With increasing smartphone adoption and with users in turn becoming more and more comfortable using their mobile devices to do things traditionally reserved for the Web or desktops, every industry is going mobile. But, when you consider the effect mobile technology has still yet to make on transactions — ye olde exchange of money/goods — there is a huge opportunity for disruption. Carriers, OEMs, startups — everyone knows this.
Three, five years from now, mobile payment solutions has the potential to be a massive business. Yet, as things stand right now, carriers and mobile OSes are still finding it hard to come to terms, with users suffering as a result. That’s why SCVNGR decided to spin-off (and subsequently focus more resources) on LevelUp, a mobile payment and rewards network, which it launched into beta in July 2011.
First and foremost, the problem LevelUp is really trying to solve is offering a way for users to bypass NFC or having certain cards to pay for their goods. Facebook Mobile Operator Billing Opens App Economy To The Credit Card-less. The mobile web, not the smartphone or traditional web, is Facebook’s most popular interface. Now those hundreds of millions of users, including prepaid mobile customers in emerging markets who lack credit cards, will be able to make in-app purchases and earn Facebook money thanks to its announcement of mobile operator billing for Credits virtual currency purchases.
This is a big step towards Facebook’s monetization of mobile despite smartphone platform domination by Apple and Google. Samsung et Visa : le paiement par mobile via NFC aux JO 2012. Dans le cadre de leur partenariat aux Jeux Olympiques et Paralympiques 2012 de Londres, Samsung et Visa présenteront leur dernière innovation en matière de paiement mobile. Une innovation qui n’est autre qu’une application qui devrait permettre aux possesseurs de mobile Samsung (dotés de la technologie NFC) de payer sans contact.
Les moyens de paiement dématérialisés ont le vent en poupe. Lundi 20 février Startups - 20 février 2012 :: 08:34 :: Par Louis-Carle.