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Ohio Girl Scouts accepting mobile payments for cookies, your thin mint craving starts now
Short on cash but wishing you could stock up on Girl Scout cookies? Then you no longer have an excuse -- at least if you're in Northeast Ohio -- as the local Girl Scout group there has teamed up with Intuit to accept credit cards using the company's GoPayment app (and accompanying card reader) for iOS and Android. What's more, while the Ohio group is the first to sign up, Intuit is now also extending the same offer (which includes reduced transaction fees) to Girl Scout organizations across the US -- something tells us it won't have much trouble getting attracting interest.
Square mobile payment system gets simpler pricing, keeps angular shape
If you hate doing math and you run a small business then surely you've looked longingly at mobile credit card systems like Square's longingly. No handling of cash certainly would make life easier, but Square's system of fees and surcharges weren't exactly easy to figure out themselves. Now the company has simplified things, dropping the $.15 per-transaction fee for swiped purchases, charging a simple 2.75 percent on each transaction. If, however, that transaction is being made without swiping the actual card the $.15 transaction fee sadly comes back, but the percentage fee has gone down from 4.0 percent to 3.5. So, a little less of your handiwork will be absorbed by the man. [Thanks, Brent]
Morpho's NFC / WiFi-enabled keyfob brings wireless payments, card management to the everyman (video)
Not interested in picking up an NFC-enabled smartphone? No matter -- Morpho's got you covered. The outfit was demonstrating a newly finished Simlink NFC keyfob here at Mobile World Congress, intended to provide contactless payment capability for those who lack it in their existing mobile. Rather than stopping at just payments, this dongle also supports frequent flier cards, membership accounts and pretty much any other members-only situation that may ever use NFC check-ins and registration. There's even a WiFi module here and an onboard web server, enabling any WiFi-enabled phone to immediately see your most recent transactions as well as what data / cards you have stored on the device. We're told that the onboard battery can last around a week if you don't use it continuously, and a simple micro-USB connector is responsible for charging. The only unfortunate part is the size -- it's hardly inconspicuous, but we're guessing revision two will lose quite a bit of weight. This particular model should go on sale by the end of Q4, with pricing to be determined. Head on past the break for a brief demonstration, you big spender, you. %Gallery-116875%
Apple job posts point to built-in NFC capabilities for iPad / iPhone
Ladies and gentlemen of the, ahem, jury, we intend to show -- through rumors and circumstantial evidence -- that Apple might very well be building Nexus S-like NFC capabilities into next-generation iPhones and iPads. We present for your consideration exhibits A, B, and C: three Apple job posts, seeking two managers of global payment platforms and one test engineer for iPhone hardware. According to the original post, the right engineer possesses a background in both ICT (information and communication technology) and RFID (radio frequency identification), which forms the basis for NFC. Suspiciously, Apple removed the "ID" in "RFID" sometime in the past 24 hours. Still not convinced of Apple's NFC involvement? Consider this: Apple's manager of global payment platforms is tasked with contributing "to the analysis and development of new payment types and processes." Okay, so there's not a smoking gun in sight, but a little innocent conjecture never hurt anybody.
Paying with your iPhone at Starbucks: hands-on
Last week, Starbucks updated its Starbucks Card app to handle payments through your iPhone and iPod touch at most Starbucks locations throughout the country. It was originally part of a pilot program when the app debuted in 2009, then expanded to Starbucks locations inside Target stores, and now it's nationwide. There is still an exception, and that is Starbucks located inside Barnes & Noble. These locations are owned by Barnes & Noble themselves and will not accept Starbucks cards. Likewise, when checking for places that will accept mobile payments via the Starbucks Card app, Barnes & Noble locations are not listed. I tested out the app on a visit to the Starbucks at Avenue at White Marsh, just outside Baltimore. While using the app is simple, it takes some work to get it ready to go.
Starbucks lets you pay for that Trenta with the iPhone in your shaking, overcaffeinated hands
Expanding a trial that had already been underway in a few markets, Starbucks is now rolling out its Starbucks Card mobile app nationally with payment capability built-in, meaning you needn't reach into your wallet, pocketbook, or purse just because you're jonesing for that midday caffeine fix. Instead, you can fire up the app -- which supports the iPhone, iPod touch, and a number of BlackBerry models -- and hold up a barcode on the screen to a scanner in the store, at which point monies will be automagically deducted from your Starbucks Card account and transferred back to the mothership in exchange for high-octane brew. The circle of life, as it were. Follow the break for the full press release.
Intuit now offering GoPayment service without fees through February, also throws in a free card reader
Perhaps just to show that it is not hip to be a Square, Intuit has rolled out a serious incentive for businesses to jump on the GoPayment bandwagon. Since we last saw the mobile payment service, the company has decided to offer customers a free card reader (while supplies last) and no monthly service fees in an effort to expand its user base. Primarily aimed at those processing low sales volume, the deal includes $0.15 per-transaction fee. That's half the $0.30 fee for high-volume users, who still get the complimentary reader for signing up, but have to pay $12.95 monthly for the privilege. The offer is exclusively available to new customers, and the gratis reader only works with some phones (far fewer than the number of phones that work with the app itself), but hey, free is free. Let's just hope Intuit's system doesn't suffer from the security problems of its rival.
Google building its own NFC-based payments system?
Can't say we're surprised to hear this at all, but Bloomberg BusinessWeek says Google's working on its own NFC-based mobile payments system. That makes perfect sense, given that Eric Schmidt has been enthusiastically extolling the virtues of NFC since just before Google launched the Nexus S -- which, of course, features an NFC chip. BusinessWeek says the system might launch as early as this year, although we think Google's got plenty of infrastructure work to do first -- and it's facing plenty of competition from the likes of Verizon, T-Mobile, and AT&T, who are launching their own Isis payment system, as well as direct device competition from RIM and Apple. Should get interesting -- we'll see if we hear anything at CES this week.
Dispute over Square card reader patent gets litigious
As folks who follow such things may be aware, there's been some dispute over the origin of Square's card reader technology more or less since the company (led by Twitter's Jack Dorsey) went public with it last year. That dispute has now gotten even more contentious, however, with Square and its chairman, James McKelvey, taking aim at REM Holdings and Robert Morley, who actually holds the patent to the technology. The key issue is that McKelvey is not listed as one of the inventors in the patent, despite claims that he was the one that actually conceived the idea in a "flash of inventive insight," and that he and Morley worked together to develop the idea (and later discussed obtaining patent protection with Jack Dorsey). And that's pretty much where things stand at the moment -- Square is requesting a court order to add McKelvey as a co-inventor on the patent, but there's no indication as to when or if that will happen.
Square mobile payment readers now shipping again to tiny transaction tycoons
The Square payment system hasn't exactly had a smooth road to availability, with deliveries put on hold back in June due to an ominous "credit processing and risk issue." If that didn't scare you away from accepting small payments from the company's tiny credit card swipers, rejoice, because they appear to be shipping again -- at least to some. Sally over at the Square support forums posted that she was sent the following message: We started rolling out Square card readers and one is now coming your way from our fulfillment center in Saint Louis. It will arrive on your doorstep in the next few days. A few others it seems have also received the same note. How about you? Is your little, different credit card reader on the way? [Thanks, Sam]
Square working on 'a credit processing and risk issue' before shipping more card readers
If you've tried to get in on Square's mobile payment system, you know that a critical part of the whole setup is the tiny credit card reader that plugs into your phone's headphone jack -- and in all likelihood, you don't have it. The company just sent out a message to those who've signed up for their service today, saying that a prior hardware shortage is resolved but that it's only half of the problem; the other half, and arguably a more serious one, is that the company needs to find a way to "handle the huge demand for readers and still manage the risk of chargebacks and fraud." So far, those risks have been mitigated by setting limits very low, but customers have apparently complained that they're too low, which is requiring a "rethinking and expanding" of the company's underwriting. Everyone's being assured that they'll be good to go once this whole process is over and clients go through a credit check -- but in the meantime, Square readers might be a little scarce, so it's back to IOUs and pocket change for a while. See the full letter after the break.
Square mobile payment system goes live on iPhone, iPad, and Android this week (video)
We've been intrigued by the Square Payment System since it first ditched its Squirrel costume back in 2009, and now it appears we're on the eve (or eve of the eve, or pretty close anyway) to its release for not only the iPhone, but for the iPad and for Android as well. The software is said to be hitting App Stores and Markets this week, working with a sugar cube-sized card reader that pops into the 3.5mm headphone jack, a device that the company is giving away for free to those who sign up. Using it will not be free, with retailers paying fees starting at 2.75 percent plus a 15 cent surcharge, but that's considerably cheaper than many other options out there (which often require costly hardware to boot). There's another new video after the break, and we can't wait for these things to start showing up at the farmer's market. No more early morning ATM runs! Update: Apps for the iPhone, iPad, and Android devices are now live in their respective download abodes. None will require that you enter a single digit of your credit card. [Thanks, Ed]
VeriFone Payware Mobile iPhone peripheral looking ready to square off with, er, Square
Sure, it's not quite as elegant as a little cube jutting out of one corner of the iPhone à la Square, but it looks like the Payware Mobile could certainly double as a pretty sturdy case should it drop. More importantly, the backing of VeriFone means this mobile payment peripheral has some pretty important backing and should be able to hit the ground running. That magical date should be January 15th of next year, free on a 2-year Payware Connect contract, and pre-orders are now live on the website for those who want to join in on the phone. Just one word of advice: when you hand the iPhone over for someone to sign as proof of purchase, make sure you're able to outrun the chap. Just in case. [Thanks, Jason]
GSM Association proudly endorses NFC and Carrier ENUM
The GSM Association has been gung-ho about near-field communications (NFC) for a good while now, but just recently at a meeting in Macau did it take the opportunity to officially proclaim its support for NFC and Carrier ENUM. As for the former, it's urging manufacturers to have NFC technology (which is most commonly used for mobile payment systems) in "mainstream mobile phones by mid-2009 by using the standardized single wire protocol (SWP) interface, which enables communications between NFC hardware and a SIM card." Furthermore, it gave a hearty thumbs-up to ENUM (previously known as Number Resolution Service), which is an IETF-sanctioned standard for converting traditional phone numbers into IP addresses. It also announced that a related service (dubbed PathFinder) was generally available to mobile and fixed network operators from NeuStar. All this sounds fine and dandy, but what we're really interested in is what these folks did in Macau after the business was settled. Lucky...[Via phonescoop, image courtesy of ISOC]Read - Official GSMA support for ENUMRead - Support for NFC / ENUM
Rogers holds hands with RBC / Visa for mobile phone payment pilot
If you're tired of paying for random snacks and such the old fashioned way (you know, swiping your credit card and handing over your John Henry), Rogers Wireless feels your pain. While not the first mobile payment initiative to hit the Great North, this one has some pretty notable backers. Starting in mid-2009, Rogers, RBC and Visa will join together to allow customers "to pay for small purchases" so long as they're holding one of the "specially-equipped mobile phones that can be waved at Visa payWave-enabled checkout readers at select retail stores and quick-service restaurants in Toronto's downtown core." The pilot will utilize Motorola handsets outfitted with Near Field Communication (NFC) contactless chips, while Gemalto will be managing the transfer of credit card information from RBC to the secure SIM card. There's no word on plans beyond the trial, but here's hoping it does something more than just fizzle out.[Via mobilesyrup]
