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'Tis the season: Amazon now offering customizable video gift cards from JibJab
Amazon announced a partnership with digital media company JibJab on Friday that will introduce free, personalized video gift cards to its customers. This new feature gives you the option to attach pictures to over 50 pre-themed videos, which includes holidays, birthdays and other special occasions. Customers can load up to $2,000 on a video gift card, which can be sent instantly or at a scheduled date and time via email or a Facebook wall post. The cards never expire and recipients can share their videos through Twitter, Facebook, Pinterest or email, while keeping the gift's cash value private. So, if gift cards from the people with the smile on the box rank high on your holiday wish list, get ready to have your inbox hit with a barrage of disco grannies and snowball-throwing elf cat videos.
Square reaches $10 billion in payments per year, stays ahead of a growing pack
It was just this spring that Square had reached a grandiose $5 billion per year payment rate and cemented its position at the top of the mobile payment processing field it practically started. Any attempts to catch up just got a lot harder now that the startup has crossed the $10 billion mark, only half a year later. A fifth of that new rate came in the past two months and hints that the company isn't about to slow down anytime soon. The increase doesn't have any clear driver, apart from wider media exposure, but founder Jack Dorsey notes that this doesn't include the Starbucks deal that took effect just days ago. We know the rocket-like pace won't last forever; all the same, the record-high levels of business undoubtedly give Square a lot of competitive padding when a deluge of recently established alternatives are still getting started.
Bank of America gets into card swiping with Mobile Pay on Demand, because 29 can play at that game
To call the mobile-based card processing business crowded would be a slight understatement -- launching a reader is nearly an instinctual reaction for commerce outlets that see Square running away with the market. What's to stop a bank from joining the fray? Bank of America doesn't see anything wrong, as it's starting up a me-too service through Mobile Pay on Demand. The headphone jack reader with Android and iOS support will seem very familiar to anyone who's been paying attention; the company does have some tantalizing lures for entrepreneurs, however, such as an ever-so-slightly lower 2.7 percent fee per transaction as well as a year-long deals marketing service subscription for any 2012 sign-ups. US shops that haven't already jumped on the bandwagon with Square (or Groupon, or Intuit, or Pay Anywhere, or PayPal or VeriFone) can pre-order a reader today and start taking payments on December 3rd.
Rogers and CIBC kick off Canadian NFC-based mobile payments with mini event (update: full details)
Rogers and its banking partner CIBC have been making much ado over bringing NFC mobile payments to Canada since the spring, but the companies have been mostly silent on actual availability and let a rumored October 15th launch date pass by without fanfare. The two partners are at last ready to swing into action, at least symbolically -- a photo-op at a Tim Hortons in Toronto on Friday will officially represent the first instance of their payment system being used in the wild. What we've seen officially and otherwise hasn't changed, which means that event star and triathlete Simon Whitfield will be using one of two NFC-equipped BlackBerry phones with a special SIM card while he buys a meal that we imagine involves coffee and maple-glazed donuts. Rogers hasn't said how soon the less sporty among us will be making payments, although the limited choices of phones (two) and carriers (one) will only give a handful of Canucks a chance to join in. Update: Just as Whitfield's coffee is cooling off, Rogers has given out full details: the CIBC mobile payment option will roll out later in the month to at least 2,300 Tim Hortons restaurants across Canada, with 3,000 more joining in by December. It's called Suretap, as the earlier leak confirmed, and there's no sudden support for Android, Windows Phone or other platforms until 2013. A total of 17 merchants using MasterCard PayPass and Visa PayWave will be eligible to start.
Google Wallet checkout gains support for mobile websites
It wasn't long ago that Google Wallet delved into the online payment sphere, but as of today, the Mountain View juggernaut has extended its checkout service to mobile websites. According to Google, 97 percent of mobile shoppers abandon their carts, which is primarily due to the litany of information that needs to be manually entered. Now, when you stumble upon a mobile website that supports Google Wallet checkouts, you'll merely need to click the buy button, enter your login credentials and then complete the order. The immediate downside is the paltry number of outlets that support the service: 1-800-Flowers, Rockport and Five Guys. Then again, we suppose you could have a pretty nice evening with flowers, new shoes and a couple of burgers.
Google Wallet update purportedly leaks plans for a real-world card, transfers and transit passes
Google Wallet hasn't had much uptake in the real world. When most of its use has revolved around one carrier, few payment points and even fewer phones, most of us have had to sit on the sidelines. If an Android Police source really did come across a leaked future build of Google Wallet as he claims, though, we may know how Google surmounts that problem: going old school with a real-world card. Screenshots in the app supposedly show a mail-in option for plastic that could completely replace credit and debit cards without turning to NFC. Any charges after a typical swipe of the magnetic strip would simply go to whatever payment source is set as Wallet's default, letting minimalists slim down their actual wallets while sharing in the same discounts as their phone-wielding counterparts. Digital-only purists would still get something out of the deal, as the update could also bring person-to-person money transfers and support for mass transit cards. How soon the as yet unconfirmed app would appear is still a mystery, but it dovetails with Google teasing a Wallet revamp that's rumored to take mobile use beyond its Android-only roots; we just didn't anticipate that the company might bypass our phones altogether.
NYT: Google actively trialing same-day delivery from retail for the chronically impatient
Rumors have floated for the better part of a year that Google has been prepping a same-day delivery service that would pressure eBay and make even Amazon Prime seem pokey. If we're to believe a pair of New York Times contacts, it's much closer to reality. Google staffers and their close connections are supposedly in the midst of testing the extra-fast shipping option in San Francisco with at "at least one" major clothing chain participating alongside local shops. Most details are still missing, including the price premium for waiting mere hours as well as the implied mobile option; Google certainly isn't talking on the record. We're almost hoping that the story is bogus, as the last thing we need is one less reason to step outside.
Square launches in Canada, streamlines payments on the world stage
For all of Square's fast growth, it's been exclusively the domain of US shopkeeps; others had to scrounge for an alternative, if there was one at all. The payment pioneer clearly isn't content to isolate itself or anyone else, as it's making its international debut with support for Canada. Locals can immediately request the free Mobile Card Reader and swipe credit cards with an Android or iOS device at the same flat, 2.75 percent rate that more experimental American stores know very well. Complete equality isn't available to Canucks just yet, as Square Wallet won't be available until 2013, but the access remains a step forward for Canadian merchants that don't want to be tied down to a terminal any more than their southern neighbors.
Apple Store taken down before 'little' event
Don't worry, we know. Odds are, there will be one or two surprises when the Apple Store returns this afternoon.
Isis' NFC payments go live in Austin and Salt Lake City: 3 carriers, 9 phones, 1 long way to go (video)
To say that the launch of Isis has felt drawn out would be a mild understatement. The alliance first signaled its intentions two years ago, detailed its first markets one year ago and faced a last-minute delay. All the ducks are finally in a row, however, and residents of both Austin as well as Salt Lake City can tap to pay (or score discounts) at the "hundreds" of locations that accept NFC-based purchases through American Express, Capital One, Chase and Isis' own cash card. Launch day brings app- and SIM-enabled access for nine devices spread rather unevenly across AT&T, T-Mobile and Verizon: only the Droid Incredible 4G LTE is confirmed working for Verizon subscribers, while the rest are divided more equally between multiple Samsung Galaxies and HTC devices like the Amaze 4G and One X. Over 20 phones should be Isis-aware before the end of the year. It's a potentially strong start to one of the few truly cross-network mobile payment systems in the US, but we see a long road ahead before Isis gives Google Wallet some jitters -- there's legions of banks, cities and stores needed before Isis is widespread, and we're not counting on that ever-elusive universal hardware support.
PayPal Here goes on sale at AT&T stores: like a one-stop shop for account hiccups
PayPal Here, despite all its focus on in-store transactions, hasn't really been available to buy in a US store -- that's been the domain of the seemingly ubiquitous Square reader. eBay's payment wing has at last established that retail beachhead through a deal with AT&T. About 1,800 of the carrier's stores are now carrying PayPal Here readers, and they'll keep the service's big rival from hogging the spotlight at a time when most aren't even aware that there's any competition. If you're still cynical, you can look at the AT&T move as a matter of convenience: at least this way, all your account headaches will come from one place.
Chinese online retail giant 360buy spreads worldwide, may keep Amazon on its toes
Many of us who live in North America and Europe consider Amazon synonymous with online retail -- yet we forget that the company barely even registers in some parts of the world. That misconception is about to be cleared up now that one of China's largest online retailers, 360buy, is going global. A just-launched English version of the store is initially shipping China-made goods for free to 36 countries that include obvious candidates like Australia, Canada, the UK and the US as well as France, Germany and southeast Asia. You're unlikely to find a Kindle Fire HD equivalent in the selection, but the mix could still make Amazon nervous when the brand-agnostic can already find real bargains. Combined with long-term plans to set up local distribution points, 360buy's international expansion could get more of us comfortable with buying from China and heat up a retail race that some thought had already been won.
Amazon patents online haggling system that keeps buyers, sellers on the up and up
Haggling is so popular that it's virtually mandatory in some parts of the world, and yet it's rarely an option in the online space outside of informal auctions. If Amazon ever puts its newly granted patent into practice, however, we could soon be trying for a better price without the mock drama of a face-to-face encounter. The retailer's proposed haggling system lets buyers and sellers make offers and counteroffers until they reach a happy medium, but with the kind of honesty check we only wish we could have in person. Both buyers and sellers get ratings that would account for their flexibility, typical closing prices and how likely they are to drop a deal before it's done -- a combination that hopefully excludes the cheapskates and those who'd simply keep our wheels spinning. Even if Amazon pulls the trigger on negotiated sales, though, it's a fairly safe bet that there won't be any leeway on that Kindle Fire HD.
Google Wallet reaches the web, reminds most of us that it exists
Unless you happen to be using the right phone on the right carrier, you might not know that Google Wallet is even a reality: the close association with NFC-based mobile payments on one network has largely kept it out of the public eye. Many more are about to see Wallet in action now that Google has quietly introduced it to the web. No, you won't tap your phone against your computer screen; the web version is mostly targeted at microtransactions and gives readers more than a few ways to buy without getting burned, such as long and blurred-out previews, a narrow price range between 25 to 99 cents and an Instant Refund option that gives no-questions-asked credit within half an hour. Only Oxford University Press as well as Pearson's DK and Peachpit publishing wings are known to be testing Wallet at this stage, but Google is already soliciting new partners for the e-commerce service before the customary blog post is active -- a sign that Mountain View is eager to get Wallet on the web rolling a little faster than its slow-moving mobile counterpart.
PBS draws link between digital music ethics and magic spells, somehow makes it look simple (video)
AAC files and the arcane don't have much in common on the surface. After some digging, however, PBS' Idea Channel has found that magic is an uncannily good analogy for digital music rights and explaining the thorny ethical issues that come with them. Both music and spells stem from grassroots cultures that give away their content for free, but (at least until an anti-magic clampdown at eBay) have since become businesses. That nature poses a key ethical question: when we're used to a free experience and can copy songs or spells as much as we like, what does it take to keep us as honest customers? As show host Mike Rugnetta suggests, it's a matter of personal responsibility -- if we want more of either, we have to think of the commerce as showing support for future work. You can catch Mike's clever train of thought after the break, and ponder what constitutes DRM for a potion while you're at it.
Isis' NFC mobile payments delayed past September target
Isis must have spoken too soon. Just days after the alliance committed to launching its mobile payment system in September, its marketing lead Jaymee Johnson has warned FierceMobileContent that the rollout won't make the promised summer target. The delay is portrayed as a collection of minor hiccups, although we're not bracing ourselves for a short wait: Isis plans to update us on the situation in October, and that suggests we won't be making NFC-based purchases on Isis any sooner. It's another disappointment for the future-is-now crowd hoping to leave cash behind -- not that Apple and Google will object to a rival's misstep.
PayPal arrives on Windows Phone devices running version 7.5 or higher
eBay's money-exchanging service has brought its payments platform to Windows Phone 7.5 handsets. PayPal's new app lets you send and request cash and check your account details (hopefully while laughing maniacally at your own affluence). A "local" feature will also direct you toward vendors who accept the standard, just remember that NFC supporting handsets don't get here for another few weeks.
LevelUp unveils payment docks that take both NFC and QR codes, leave out the guesswork
Most stores accepting mobile payments usually have to take just one format, whether it's Google Wallet, Square or another flavor that you probably can't use. LevelUp is convinced you shouldn't have to choose platforms: it just revealed a new payment dock that will recognize both the company's existing QR code system as well as NFC. It's much easier sight on the eyes than typical NFC terminals, to boot. Just don't expect a one-for-one recreation of systems like Google Wallet or Isis. Rather than expose your banking details by holding them in a chip, LevelUp's NFC is just used to move the transaction along -- if it's used to get things started, shoppers can either switch to a QR code or complete the transaction with a second tap. The company is mostly planning to replace its existing payment points across the US with the NFC-aware models. Bluetooth 4.0 is an option for the future, however, which could make LevelUp even more of a Swiss Army Knife for the world of mobile commerce.
Google patents buyer-specific price drops for follow-up sales, can tell if you're a cheapskate
Ever been tempted to rent a movie again, but thought the price was just a little too dear? Google may soon be willing to haggle a deal. One of its newly-granted patents could automatically lower the price of repurchase-friendly content, such as a Google Play Movies rental, depending on how likely you are to pull the trigger. Its algorithm weighs your personal tastes and repurchasing habits against those of your peers: if the code senses you'll be relatively stingy, you'll get a better discount. The analysis could even factor in the nature of the content itself. A thoughtful movie, ownership of the soundtrack or just a lot of related searches could lead to a repurchase at the usual price, while a simple action flick with no previous interest may bring the discount into effect. We don't know if Google will offer these extra-personal discounts to the public at any point in the future, but if you suddenly notice a lot of follow-up bargains in Google Play, you'll know how they came to be.
Square intros flat-rate payment option at $275 per month, hits small business sweet spot
Square is most often pitched as heaven for small businesses, but that 2.75 percent cut per transaction is sometimes a problem for stores that are too successful. Enter a new flat rate option. Shops that don't take more than $250,000 a year in Square payments, or charge more than $400 in a given sale, can instead pay a flat $275 per month regardless of how many swipes they take. The deal makes the most sense for businesses handling more than $120,000 a year through the reader, establishing a definite limit to its usefulness; this isn't exactly for a budding jeweler (or Starbucks). Even so, the simplicity of the rate might be very alluring for companies that aren't keen on surprise costs or working out the math, and it's a contrast to the half-steps towards flat rates taken by VeriFone and other, more traditional outlets going mobile.
