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Intuit GoPayment goes live in Canada, more rectangular than Square
Looks like Canada just scored another mobile credit card payment system within its borders. It was back at CES when Intuit revealed its updated GoPayment dongle for our neighbors up north, and now the company's announced that the service has officially launched in the region. Once you're application is approved, you'll get the card reader for free without any contract -- and best of all, GoPayment works on a "pay-as-you-go" basis (3.3 percent if you enter the digits, 2.7 percent with a swipe). It's currently purposed for iDevices with a free downloadable app, accepting Visa and Mastercards, but Intuit notes that Android and BlackBerry compatibility is in the works. With services NetSecure and PayPal also claiming space in the country, we're still left to wonder when Square -- essentially the godfather of this type of thing -- will finally be joining the card-swiping party in the great white north. If you're curious for all the details or wanting to apply for yourself, head on down to the source link below. [Thanks, Mike]
Mobile Miscellany: week of April 2nd, 2012
Not all mobile news is destined for the front page, but if you're like us and really want to know what's going on, then you've come to the right place. This past week, CyanogenMod gained a new logo, Google acquired a mobile payments company and we learned that the HTC EVO 4G LTE for Sprint will include an embedded SIM card. These stories and more await after the break. So buy the ticket and take the ride as we explore the "best of the rest" for this week of April 2nd, 2012.
ARM seeks better security for connected devices, teams up with Gemalto and Giesecke & Devrient
ARM is famous for its low-power chip designs, Gemalto is known for its NFC security features, and Giesecke & Devrient brings some nice nano-SIM notoriety to the table. As a trio, these companies want to push forward a security standard that could be readily used in a wide range of web-connected devices, including tablets, smart TVs, game consoles and smartphones. The standard itself is built on ARM's TrustZone hardware-based security, which has been around for a while and is built into every ARM Cortex-A series processor, but which still isn't as widely used as it could be. By founding an off-shoot company with its partners, ARM hopes to nudge the things along faster and turn TrustZone into the "Blu-ray" of mobile security standards.
Bump Pay lets you tap a friend for cash
Taking cues from an ING Direct app that used its API, Bump Technologies has developed its own version of the mobile payments software, enabling phone-to-phone "Bump" transactions using PayPal. Yes, PayPal. That minor processing detail aside, the service appears to offer a fun solution for simplifying the fairly painful process of paying the check at group meals, or splitting a tank of gas with a friend. Both you and your bud need to have the app installed before you can beam that green, and there's no option to send payments remotely, though you could always use plain ole vanilla PayPal for that. The app is free, and if you have a checking account linked you won't have to deal with any fees. Bump Pay is iOS only "at launch" (read: it could be making its way to Android as well), so for now you'll need to bump the App Store to get folks paid.
Square gets a few more Chinese clones, Jack Dorsey may or may not be flattered
Never mind what PayPal has just unveiled today -- look at these mobile phone credit card readers from China instead. If you ask Square CEO Jack Dorsey, we're sure he'll have to a thing or two to say about these familiar-looking dongles (and not to mention the various weibo microblogging services that were inspired by Jack's Twitter platform). Coincidentally, all three of these pictures above showed up on Sina Weibo earlier today, albeit from different accounts with very little detail in each post -- we'd like to think they're trying to make a point one after the other. So who's behind these little plastic bricks from the Far East?Starting from the left (courtesy of Xiaomi Vice President Li Wanqiang) we have Lakala, a well-known Chinese payment service provider whose POS terminals are featured in major supermarkets and convenience stores. We spoke to the company's CEO Sun Taoran who assured us that this is a booming business in China, as credit cards are more popular than you'd expect these days (most large eateries, supermarkets and even karaoke bars in domestic cities will happily accept them); and of course, he'd certainly want a slice of that massive smartphone pie over there. The Beijing-based company also said its dongle will function even without a phone client installed, but it wouldn't further elaborate at this point. Expect to see Lakala's product launch in May.
Square takes on New York taxis with new iPad-based payment system
Anyone who finds themselves in a New York taxi over the next few weeks stands a slim chance of getting their hands on Square's latest experiment. As The New York Times reports, the company will soon begin rolling out the first phase of its new mobile payment system for taxis, which will see 30 cabs equipped with an iPad encased in a metal housing that also includes a credit card reader. That will let folks swipe their card, sign their name on the screen with their finger, and then receive a receipt on their phone either by text or email; taxi drivers are also able to interact with the system, dubbed "Checker," using their own iPhone app. Unfortunately, details beyond that initial roll out remain a bit light, although Square is happy to point out that the system is completely silent and offers no other distractions.
Square's new Register app turns the iPad into a full-on point of sale terminal
Square continues to add functionality to its mobile payment platform, and the latest addition is its new Register app for iPad. The refresh brings a sleeker interface and greater Card Case integration along with analytics to break down sales by transaction type and chronology to track your business' performance. Additionally, you can set up custom permissions to limit employee access, create customer loyalty programs and there's an improved inventory system feature as well. Naturally, it still relies on Square's trusty card reader for swiping cards and charges 2.75 percent per transaction using Visa, MasterCard, Discover or American Express. Small businessmen, your payment chariot awaits, so check out a video of the new Square Register in action after the break.
Isis partners with VeriFone, Ingenico, ViVOtech and Equinox, prepares to take over the world
So, you've got the carriers on board, and the banks and even the handset makers. Problem is, without compatible registers and point of sale terminals, your mobile payment tech is worthless. Thankfully Isis, the NFC wallet system that aims to crush Google's buzzed-about platform, just scored a host of partners including VeriFone and Equinox that make a pretty large chunk of world's payment terminals. Those companies, along with Ingenico and ViVOtech have agreed to support Isis on future hardware and, in some cases, update the software on machines in the field to communicate with the app. For a few more details hit up the PR after the break and prepare for the Isis invasion to kick off sometime towards the middle of the year.
WSJ: Target, Walmart, other retailers teaming up to take on Google Wallet
Google's certainly not alone in its vision of a future in which the smartphone makes credit cards go the way of the Palm Pilot. The software giant may have gotten a bit of a head start on some of the others, but it's already got some stiff competition in the form of the carrier-led Isis and a slew of new initiatives unveiled at MWC. According The Wall Street Journal, the field may soon be getting even more stiff competition. Walmart and Target have reportedly joined two dozen or so fellow retailers to develop a mobile payment system to call their own. While most of the participants have yet to be named, the list includes a pretty broad spectrum of companies, including fast food joints, big box retailers and drug stores. Google, for one, welcomes such competition, telling the paper, "We think it's great that there are other companies innovating in the payments space. This will create more choice for consumers, and in the end we believe choice is a good thing." No word on when exactly the initiative is set to launch.
Google Wallet Android app updated, headed to 'at least' ten more Sprint phones this year
Google may have had to deal with some less-than-positive Google Wallet news last month, but it was able to announce some progress of a different sort in the past couple of days. The first is an update to the Android app, which adds the ability to handle PO Boxes for prepaid card top-ups, along with a number of other fixes and improvements. The second, more significant news comes out of Mobile World Congress, where Google Wallet and Payments VP Osama Bedier revealed that the mobile payment service would be heading to "at least 10 additional phones" on Sprint this year -- no word on those specific phones, though. Details on any expansion plans beyond that also remain a bit light, with Bedier only saying that Google remains in talks with other carriers and device manufactures.
Chase, Capital One and Barclaycard join as launch partners for Isis mobile payment service
The Isis mobile payment service backed by AT&T, T-Mobile and Verizon may have been a bit overshadowed by Google Wallet in recent months, but it's still on track for a "mid-2012" trial launch in Austin, Texas and Salt Lake City, Utah, and it's now gotten a boost from a trio of new financial partners. Chase, Capital One and Barclaycard confirmed today that they'll each support the NFC-based service and let folks load their credit, debit and prepaid cards into their Isis Mobile Wallet, joining existing partners Visa, MasterCard, Discover and American Express. Unfortunately, any specific launch details beyond that still remain a bit on the light side, with Isis only promising that a national rollout will follow sometime after the initial trial launch.
Moneto's $30 Android mobile payment kit goes on sale, brings contactless payments to six Samsungs
Not everyone's smartphone has NFC, and of those that do, an even smaller subset have official Google Wallet support. It would seem Mountain View's complacency is Moneto's gain, as the outfit's recently put up for sale its $30 NFC-enabled microSD card -- enabling plebes everywhere sans contactless circuitry to sashay their way into mobile payment heaven. That card is also stuffed with 1GB of storage for your exploits and those plunking down three Hamiltons are also privy to a $10 credit thrown in. There's one caveat, however, as per its website the service currently only works on variants of the Galaxy S (including carrier permutations like the Vibrant, Fascinate and Galaxy S 4G). Support for an additional forty devices is inbound but before committing, we'd peep the latest compatibility info from the horse's mouth in the more coverage link we've included below.
T-Mobile brings Square to select small businesses, does the mobile payment thing
T-Mobile is throwing some of its weight behind the mobile payment movement this morning, becoming the first carrier to offer Square credit card readers to a handful of retail outlets. Under the company's new campaign, stores equipped with T-Mobile smartphones will be able to use Jack Dorsey's readers to finalize transactions from the comfort of their palms. This should come in handy for cash-only businesses, in particular, as T-Mobile emphasized in its announcement today. It's all part of the provider's lineup of small business offerings, though not every retailer will be involved at launch. To see the full list of Squared-up outlets, check out the source link below.
MasterCard's QkR mobile payment system enters trial in Australia
MasterCard is all over the map when it comes to mobile payments. The credit company will partner with anyone, anywhere, anytime if it means getting new customers and making a buck on the deal. Its latest offering is called QkR, an Australian effort with support from the Hoyts chain of movie theaters and Commonwealth Bank. The initial trial run will be at La Premiere cinemas, where customers will be able to order and pay for food and beverages right from their seat with the QkR app. To initiate the transaction a you scan the QR code or tap the NFC tag attached to the arm rest, and a staff member delivers the trough of popcorn and kiddie pool of coke right to your seat. Now all we need is this sort of high-end treatment in American movie theaters. Check out the video after the break to see it in action.
Google Offers expands to five new locales, hipsters in Portland nonchalantly recall being first
Despite Mountain View's efforts to the contrary, neither Google Wallet nor Offers, have yet to set the payment sector alight. That doesn't mean the search giant's throwing in the towel, as it vehemently expands the latter into five additional cities here in the United States. Residents of Charlotte, Kansas City, Milwaukee, San Antonio and Tampa will soon be able to participate in all sorts of discounted debauchery, joining bargain-hunters in the service's existing 33 locales. Those eager ought to hit the source links to begin, but before leaving, regale us with an outrageous tale involving a discount in the comments below.
Card.io reaches out to devs, offers up credit card payment accounts to Joe normal
Who needs extra hardware to add mobile payments to iOS and Android? Not Card.io, who's unveiled a new SDK for it's visual card processing system alongside a payment app allowing anyone to accept payments from other users. Having already launched its scanner software development kit last year, the new SDK will open up the company's payment process to third-party developers. The new payment app works across Android and iPhone platforms, with no need to register as a merchant to access the feature. Although there are no registration charges, payments made through either PayPal or your bank account will have an additional 3.5 percent plus 30 cents nudged on top of each transaction. Going dutch has never been more (begrudgingly) easy.
Square's perimeter gets larger, now sold at UPS and OfficeMax locations
What's a company to do once it grabs a million merchants? Grab a million more, naturally. Following an online rollout and a wider spread to Apple Stores, Jack Dorsey's own Square is expanding to OfficeMax and UPS locations. A couple of months back, the outfit announced that it was handling some $11 million in payments per day (a wild increase from $4 million per day in July), and with the new agreements, Square payment devices are being sold at 10,000 retail locations. The hardware itself will sell for $9.99 in stores, but each buyer can redeem a $10 credit to their bank account. Beyond this? It's reportedly hoping to "upgrade the experience of running a business, end-to-end, on the iPad," with the outfit adding "in-depth merchant analytics to its iPad experience, allowing merchants to access information about which inventory is selling well, and what they can do to help make more money." Oh, and in case you couldn't guess, Square's also looking to staff up even more to tackle all of 2012's goals -- three cheers for job creation, yeah?
MasterCard and mFoundry partner to offer NFC payments within mobile banking apps
Hoping to add more punch to the standard mobile banking app, mFoundry has announced that it will be making MasterCard's NFC feature PayPass available in its financial apps. What that translates to for the mobile banking user is a quick and easy way to pay without having to use an additional service like Google Wallet or whatever Isis has up its sleeve. mFoundry currently provides mobile banking services for more than 560 financial institutions and credit unions including PNC, Bank of America and Citi -- so chances are, if you're using a mobile banking app, it's powered by mFoundry. Sadly, the same cannot be said for the extremely limited amount of NFC phones that can actually support the feature. Perhaps having the option within a standard banking app will help the trend take off -- at least amongst those with NFC phones.
Google Wallet unofficially finessed into Galaxy Nexus, complete with complimentary cash
Galaxy Nexus owners may start looking to their phone whenever that pesky bank account is dying for some hurt. Although Google's latest smartphone doesn't officially support its mobile payment scheme, a few clever developers have introduced a functional workaround. Early reports suggest that Citi MasterCards can't be added (yet), but thankfully, the gratis Hamilton courtesy of Mountain View comes without a hitch. To get started, you'll need to unlock your phone's bootloader and install MoDaCo's custom ROM. From there, a Google Wallet patch must be applied, and its permissions then changed. The process isn't exactly for the faint of heart, but we know our readers are more than capable -- you'll find instructions in the source. Best yet, the crew at BGR verified this newfound functionality by purchasing enough sugar to make our teeth hurt. And why not? After all, it was on Google's dime.
SIM-based NFC gains global support from 45 mobile carriers, all huddled around GSMA's standard
You knew that NFC hardware can be embedded into SIM cards, right? Right? Regardless of whether you've been paying attention, the practice is about to become a whole lot more common, as 45 of the world's largest mobile operators have extended their support for the GSM Association's standard. Among the networks, you'll find heavy hitters such as China Mobile and China Unicom (which account for nearly 800 million subscribers between the two), along with familiar names such as America Movil, AT&T, Deutsche Telecom, KPN, Orange, Rogers, SFR, SK Telecom, Softbank, Telus, Verizon and Vodafone. Even Isis, the unholy mobile payment lovechild of AT&T, T-Mobile and Verizon, has pledged its support... in hopes of taking your money, that is. The new standard is expected to drive the proliferation of NFC across the globe, with Anne Bouverot, Director General of the GSMA commenting, "Mobile operators, working together, are ideally positioned to roll out services based on the requirements published by the GSMA, providing proven security and interoperability, global reach and customer care for consumers and businesses and a secure platform for service providers." Now, as you'd expect, we just wanna see it happen. For a complete list of the cooperating carriers, check out the PR after the break. [SIM card photo via Shutterstock]
