mobile payments
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Visa and Samsung ink worldwide NFC deal, practically guarantees payWave on your Galaxy S IV
First, the good news. It appears that Visa and Samsung's Olympics trial went over so well, that it's expanding those mobile payment dreams to a global audience. Now, the rough news -- Visa has convinced Samsung to pre-load the payWave app onto every future Samsung smartphone with an NFC module. Granted, you'd be using that anyway for contactless payments... but only if you had a Visa card. At this point, it's practically a given that the impending Galaxy S IV will boast not only an NFC chip, but payWave integration from the factory. The deal also gives banks the ability to load payment account information over-the-air to a secure chip embedded in Samsung devices (thanks, Mobile Provisioning Service), but neither company is coming clean on what devices in particular will be taking advantage. Unfortunately, this news may be even gloomier for non-Visa users -- it's unlikely Samsung's contract will allow it to announce similar deals with competing mobile payment services, but we suppose we'll see in time.
US Bank releases NFC iPhone case for 'Go Mobile' payment service trial
US Bank has announced it is kicking off a limited trial of its Go Mobile payment service via an NFC-enabled iPhone case. The Go Mobile wireless payment service is initially being rolled out in Salt Lake City, Utah, and Portland, Ore. US Bank customers in either city can visit a bank branch for information on how to obtain a case. It's not immediately apparent if the cases will be free to customers or if there's a charge. On their website US Bank says the requirements are "an iPhone 4 or 4S and [the ability] to qualify for a US Bank FlexPerks Travel Rewards Visa Signature card to use the US Bank Go Mobile Payment Service." The NFC-enabled case can be used at retailers in either city that use Visa's payWave terminals. Apple has chosen to hold its payment cards close to the vest while rival phones using Google's Android OS experiment with the Google Wallet NFC payment system. Although there were hints that iOS 6 would include some payment/digital wallet capabilities that might be supported by future mobile hardware, the current Passbook feature delivers quite a bit of payment and check-in power -- but saves a lot of engineering by simply displaying 1D barcodes that work with conventional laser scanners at retail, and 2D codes that work with airport/Amtrak check-in and other scanners.
Intuit GoPayment comes to the UK, renames itself Intuit Pay
In a bid to catch mobile payment rival Square napping, Intuit GoPayment is leaping across the pond to begin an assault on the UK. It's certainly putting the effort in, having had to rework its hardware to be compatible with Chip-and-Pin and being forced, for legal reasons, to drop the "Go" and "ment" parts of its name. The service is currently in a limited trial before being rolled out to switched-on stallholders and itinerant fraudsters (we kid) nationwide.
Visa teams up with RBS for V.me's first UK outing
Soon after getting V.me past the beta stage, Visa has signed up with old partner RBS for the UK launch of the digital wallet service. RBS and NatWest customers have started playing with the PayPal rival, and a full-blown rollout is aimed for spring 2013. While BBVA is slated to be the first financial institution to bring V.me to Spain, a French outing is planned for later this year. With mobile payments looking up, not least when springing for a cup of latte, it's yet another step leading towards a cashless world -- albeit a world where plastic still rules.
Starbucks begins offering Square Wallet purchases from today
While you probably won't be able to get Jack Dorsey to buy you a grande spearmint green tea the next time you go for coffee (we should know, we've tried), you can at least use his payment service. Yes, today's the day that Starbucks begins accepting Square Wallet purchases at 7,000 of its stores -- just scan a QR code or NFC-tap your smartphone to make a payment. In 2013, you'll also be given the ability to tip your barista, presumably assuming you can go through the awkwardness of pre-selecting how much you think their service is worth in front of them.
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 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.
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.
Samsung Galaxy S III is the first MetroPCS handset to support Google Wallet
While the US wireless industry seems far away from finding a universal mobile payment system, T-Mobile's new BFF MetroPCS appears to have made its choice. Taking to its official Facebook page, the carrier announced on Monday that the Samsung Galaxy S III is its first handset to support Google Wallet. In choosing Google's mobile payment platform, MetroPCS joins two of its biggest competitors, Sprint and US Cellular. It should be noted that T-Mobile is deeply committed to Google's wireless payment competitor Isis, which recently became ready for public consumption. Once the two carriers exchange nuptials next year, it's possible that we could be looking at the wireless industry's first mobile payment Brady Bunch. However, looking back at T-Mobile's previous attempts at mobile matrimony, we won't be holding our breath waiting for this union to become official.
Google Wallet update "coming soon," to bring support for more handsets?
The folks over at Business Insider spotted a change on the Google Wallet website today indicating that a new version of the payment system -- separate from the recently released web version -- is "coming soon." Folks itching to get in on the fresh NFC payment action can ask for an invite right now, but alas, details about the forthcoming update are scarce. We do know that upon submitting a request for the new Wallet, users are asked if they use an Android, iOS, or "other" mobile device. So, might we be in for more widespread Wallet adoption with this next iteration? Only one way to find out, so head on down to the source, sign up, and see for yourself.
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.
Former Nokia Money crew kicks off iKaaz mobile payments, lets shops go with or without NFC
It's a big day for mobile payments. Multiple former Nokia Money veterans have formally launched iKaaz, a two-pronged strategy to phone commece where choice is the order of the day. The first components, M-POS and its accompanying Tap & Pay, are rough equivalents to familiar NFC-based services like Google Wallet that rely on an NFC tag and matching app for in-store sales. A Consumer Wallet for Enterprises occupies more familiar territory for the ex-Nokia crew: it provides a mobile account that doesn't require NFC or even an app, letting those in developing countries exchange funds through SMS or USSD (Unstructured Supplementary Service Data) if they're sporting basic handsets. Us end users will need to wait for actual implementations before we see iKaaz for ourselves, but the sheer flexibility could have us paying through our phones in some unexpected places.
Isis makes October 22nd mobile payment launch official, vows 20 capable phones by year's end
While we could easily see this coming, it's still good to hear the news more directly: Isis has confirmed that its delayed mobile wallet system will arrive on October 22nd. The company's marketing lead Jaymee Johnson tells us that the NFC-based commerce should start in the previously mentioned Austin and Salt Lake City areas. We haven't been given a formal device list, but "as many as" 20 smartphones should be compatible by the end of the year. We can think of at least four. More details will follow on the day in question, although we already know that the cash-averse will need an Isis app, a special SIM card and compatible SmartTap terminals at stores. That's a lot of conditions that have to be satisfied just to lighten the strain on our pockets -- all the same, we'll take it when the alternatives are moving slowly.
Isis Mobile Wallet app for Android surfaces in Google Play, you probably can't run it
Unofficial rumblings have pointed to Isis Mobile Wallet's trial getting close. If you've remained skeptical all the same, we're pretty sure that seeing Isis' Android app in Google Play will change your mind. The currently T-Mobile-only software confirms that pilot program members will tie their American Express, Capital One or Chase card (as well as a unique card) to Isis for paying through NFC at stores with a SmartTap terminal. We're also promised streamlined loyalty cards and coupons. Before anyone rushes to try the app at the local shop, remember that it's just one piece of the puzzle on top of the special SIM card, one of three NFC-equipped phones and that small matter of living in Austin or Salt Lake City when the service goes live. Having the official app at least lets those who qualify get a head start on what could soon be the only major alternative to Google Wallet in the US.
T-Mobile to kick off Isis Mobile Wallet pilot program on October 22nd according to leaked photo
Mr. Blurrycam has struck again, and this time he brings us a launch date for T-Mobile's Isis Mobile Wallet pilot program by way of TmoNews. According to the image (which you can catch after the break), the Isis app will arrive on Google Play come October 22nd for folks in Salt Lake City, Utah and Austin, Texas to take for a test drive. Another image reveals that those who activate their mobile wallet could snag $10, and an additional $15 if they convert their Isis Cash card into a reloadable prepaid card. Call one of the two cities home and can't wait to put the NFC payment solution through its paces? You'll need an Isis SIM card and a Samsung Galaxy S III, S II or Relay 4G to partake in the festivities. For those outside the lucky cities, there's still no word on when Isis will fully launch.
HTC Droid Incredible 4G LTE update to bring global roaming, Isis wallet
HTC's Droid Incredible 4G LTE gave us a pleasant surprise by providing a capable Android phone that didn't have to be supersized. It's gone largely untouched since its mid-year introduction, though, which makes a new and imminent update all the more important. The upgrade's biggest trick is support for Isis mobile payments that more officially throws Verizon's hat into the NFC payment ring. Anyone living beyond Isis' coverage will still want to check for the update when it's ready -- the patch switches on global roaming, allows remote technical support, makes Tango video chats useful and improves LTE connection quality. No matter what you're looking for, Verizon's tendency to start over-the-air updates within days of posting documentation leaves a likely short wait before the most recent Droid Incredible gets a breath of fresh air.
Rogers, CIBC may launch Suretap NFC-based payments on October 15th, require a unique SIM
Rogers and Canadian bank CIBC struck a deal for NFC-based mobile payments back in May, long enough ago that it was starting to fade out of the public consciousness. The alliance may be near refreshing our memory with a commercial launch in the cards. MobileSyrup has reportedly scored internal documents that has the two launching their e-commerce collaboration on October 15th under a slightly catchier Suretap name. Unfortunately, the text also suggests that the initial launch will require at least as much hoop-jumping from customers as for the original Google Wallet plans. Avoiding a traditional wallet will demand a BlackBerry Bold 9900 or Curve 9360 on Rogers, a CIBC MasterCard, nearby stores with PayPass terminals, a CIBC app and now a special NFC-enabled SIM card -- a set of criteria that disqualifies almost everyone, especially when there's supposedly a $50 ceiling on transactions. It remains a step forward for mobile payments in a country that has had very few options to start with, but we'd only anticipate widespread adoption once there's a much wider selection of devices and banks.
Square making Starbucks debut in November, will accept digital tips in 2013
If you're wondering when Starbucks is finally going to get around to rolling out Square, wonder no more. The company announced that starting in November customers will be able to pay for their no-fat soy mocha lattes using the platform founded by Jack Dorsey. Of course, being able to use Square Wallet at the nation's largest coffee chain is a major milestone for the mobile payment scene as a whole, but loyal customers likely already have a Starbucks card and its associated app. Only problem with both Square and the Starbucks app is you still need to carry cash to tip your barista. Thankfully, at some point in 2013, the company will start accepting tips through its own app and Square Wallet. Which also means you'll be out of convenient excuses for not tipping, you cheap bastard.
Visa lets iPhone-toting NatWest and RBS customers pay with NFC cases, join the future
Two can play at the UK-banks-with-NFC-payments game. RBS (and by extension, NatWest) is partnering with Visa Europe to roll out TouchPay, a mobile payment system based around an iCarte case for the iPhone 4 and 4S -- sorry, early iPhone 5 owners. In tandem with a native app, the service allows paying for goods at British shops by tapping the phone at a Visa-capable NFC terminal without needing the short-range wireless built-in. Any purchases under £20 ($32) can even skip the PIN code, if you're just in that much of a hurry to get a Pret À Manger sandwich. Only 1,000 of the 9,000 who pre-registered for TouchPay are getting into Visa's wallet-free initiative at this stage, although all NatWest and RBS customers with one of Apple's semi-recent smartphones can participate once a trial run is over. We're just wondering if and when Android, BlackBerry and Windows Phone 8 owners get in on the action.
