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Mach inks carrier billing deal with Everything Everywhere, O2, Vodafone and Three in the UK
Not a month after Mach's last carrier billing deal, UK network providers Vodafone, Three, O2 and Everything Everywhere are getting in on the action. The company's direct billing solutions will initially allow the networks to charge app and online purchases straight to your bill, with in-app sales joining them at a later date. Don't expect this to be implemented immediately, however, as the agreement covers the back-end processing -- the individual carriers will be responsible for turning it on customer-side. They'll likely inform you when they hit the switch and your phone bill becomes a monthly surprise.
Storific, PayPal to improve iPhone mobile payment
Mobile payment services are the next big thing for smartphone owners, with some analysts predicting that smartphone-based payments will become a $617 billion industry by 2016. Big name companies like PayPal are offering mobile payment solutions and working with app developers to get this fledgling industry off the ground. The latest venture pairs PayPal with Storific, a Paris start-up that wants you to buy your lunch using your iPhone. According to VentureBeat, the service works with small restaurants and cafes to help them streamline the online ordering process. Storific offers an iPhone app that lets customers order ahead and pay for their food without waiting in line. Food establishments receive the order and prepare the food while the customers makes his or her way to the restaurant. Payment is handled via PayPal wallet, which will deduct the money from the customer's account and automatically send it to the merchant's account. PayPal charges restaurant owners the standard transaction fee that anyone pays when they receive a PayPal payment. Storific started in December 2010 and is available in about 80 locations across the US and Europe.
AmEx, Starbucks announce plans for Passbook integration: both live by end of the month
When it launched with iOS 6 this Wednesday, Apple's Passbook mobile-ticketing feature boasted a handful of high-profile partners -- including Fandango, Live Nation, Lufthansa and Ticketmaster -- but that list still leaves plenty of room for fleshing out. According to Venture Beat, AmEx is launching integration with Passbook later today. The credit card company's Passbook functionality will include notifications for new account transactions, along with the ability to view your current balance and redeem membership rewards points. The service can also use smartphones' location to verify charges flagged as suspicious. Starbucks, which was featured in an early Passbook demo at WWDC, also announced the timeline for its integration with the service, tweeting today that an "update is coming at the end of the month" and offering no further details. Judging by Apple's earlier previews, Passbook will let customers pay with a Starbucks card. The coffee chain's Passbook functionality looks to be quite similar to its partnership with Square, which will be the go-to mobile payments option for non-iOS customers when it launches this fall.
Mobile Miscellany: week of September 10th, 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, C Spire Wireless activated its first LTE networks and we discovered strong indication that Isis will leverage the GSMA's SIM-based NFC standard for its mobile payments system. 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 September 10th, 2012.
Verizon Galaxy Nexus owners lose Google Wallet access (update)
Verizon has never totally been on the Google Wallet bandwagon. First, Big Red refused to support the mobile payment system, citing its dependance upon proprietary hardware. Months later, some folks managed to gain access through the Play Store, but it looks like that the VZW GNex is, once again, Wallet-free. Word on the web has it that those Nexus owners are now, upon opening the app, greeted by a message saying that their version of Google Wallet is no longer supported, and that they need to update the app. Problem is, the Play Store is telling folks that their devices are no longer supported. We've confirmed the issue ourselves, but we don't know if this a temporary problem, or if it's a permanent move. We've reached out to both Google and Verizon for comment, and we'll let you know as soon as we hear back. [Thanks, Tim] Update: Verizon responded to our requests, but declined to add any new comment on the matter. Instead, VZW reiterated its previous statement that "Verizon doesn't block applications. Google Wallet is different from other widely-available m-commerce services. Google Wallet does not simply access the operating system and basic hardware of our phones like thousands of other applications. Instead, in order to work as architected by Google, Google Wallet needs to be integrated into a new, secure and proprietary hardware element in our phones."
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.
Skype strikes deal with Mach to expand direct carrier billing for credit purchases
Skype is always finding new ways of making it easier for users to spend money, and now it's extending its carrier billing options in a new deal with Mach. From October, more users than ever will be able to buy credit for the VoIP service then forget about it -- at least until the phone bill arrives. Purchases will initially be available through a web browser, but in-app functionality is expected in the future, although there's no word on exactly which network providers will be involved. We hope, however, that sometime next month, at least a few of those who enjoy Skyping on the move will appreciate sending the bill to their carrier.
European Commission clears Vodafone, Telefonica UK and Everything Everywhere's mobile wallet and advertising plans
Everything Everywhere's been keeping itself plenty busy on the mobile wallet frontier and its involvement with the slow-burning alliance with Telefonica UK (O2) and Vodafone has finally been given a nod of approval from the European Commission. The joint venture aims to "remove a number of barriers" that are apparently hampering the phone networks' efforts, while it will allow businesses to connect with a single mobile payments system compatible with the majority of the UK's carriers. Take a look at more specifics (including the less thrilling advertising details) at the press release after the break.
Samsung Galaxy S III gets Quick Tap mobile payments system from Orange and Barclaycard, works with most UK bank accounts
We've barely heard from Orange's Quick Tap payments system in over a year, but now the UK phone network has decided to dump the underwhelming Tocco Lite and add its mobile payments service to the NFC-capable Galaxy S III. Tying into any British MasterCard, Visa, Debit or credit card, you'll be able to pay up to £20 from your account without the need for PIN entry. New users on Orange SIM-toting Galaxy S IIIs will also pick up a 50 quid bonus when they activate the feature, which kicks off this Wednesday. Check the press release below for all the details.
Mild-mannered Samsung Galaxy S II update brings Isis mobile payment support
Mobile payments, those made from a phone and typically via NFC, haven't exactly had a huge impact on the average American consumer just yet, but look past that and you'll see a battle is brewing. Google had been making the most noise, with its Google Wallet, but today the competing service Isis just launched its first proper salvo. The T-Mobile version of the Galaxy S II is currently receiving an OTA update (T989UVLH1) that, among a few other tweaks, enables support for Isis NFC payments, making it the first such device on the market. Many more are inbound from AT&T and Verizon as well, setting the stage for an epic virtual currency battle that only the peaceniks at the Mobile Payments Committee stand a chance of mitigating.
Everything Everywhere signs 5-year deal with MasterCard for mobile payments
MasterCard has switched up its NFC and Mobile Payments deal with T-Mobile and Orange to include corporate parent / sibling Everything Everywhere. The pairing will leverage the existing Orange Cash standard to get users onto the service, building out a person-to-person payment system similar to Pingit as they go. It's reportedly angered rival networks Vodafone and O2, still smarting from last week's 4G news, who were co-operating on a unified mobile payments service called "Project Oscar" that would have standardized the system nationwide. Given that Vodafone has partnered with Visa and O2 is trying things out on its own, perhaps the next time you choose a phone, you'll have to side with your card-provider of choice, too.
PayPal expands presence in US retail stores with new Discover partnership
PayPal already has a partnership with MasterCard in place that lets you use its debit cards in stores, but the company has now expanded that retail presence even further with a new deal it's struck with Discover. Starting sometime next year, that arrangement will let PayPal customers use their charge cards at any of the 7 million retail locations that accept Discover cards, with funds drawn directly from their PayPal account. What's more, PayPal says that retailers won't have to make any hardware or software upgrades to accept the PayPal payments, noting that they'll simply have to let customers know of the new option with in-store signage. Of course, the deal also likely has implications beyond traditional plastic cards, as PayPal is now also pushing its mobile payments more than ever, not to mention its own triangular Square competitor. You can find the official announcement below.
iZettle comes to Android for a few lucky Swedish Samsung owners
Square gets most of the media hype, but without an international presence, would-be competitors have had a chance to carve out their own niches in the mobile commerce market. Sweden's iZettle has managed to make quite a splash in its homeland, and it's expanding its mini empire by finally bringing its wares to Android -- albeit in an extremely limited form. Unless you've got a Galaxy S III, S II or a Note then iZettle still isn't for you and with availability in a single Nordic country, it might seem more accurate to describe Android support as being in beta, but the company has ditched the testing tag regardless. Rest assured, however, it is actively working to add more handsets and export the app beyond its particle board-loving borders.
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.
Google, PayPal, VeriFone and US carriers band together to form Mobile Payments Committee
There's little doubt that mobile payments hold a ton of potential for the future of commerce, but without proper direction (and willingness for adoption), the technology remains little more than an impractical curiosity for the majority of consumers. In an effort to define a way forward for the mobile payment industry, a large number of heavy hitters have banded together under the umbrella of the Electronic Transactions Association to form the Mobile Payments Committee. Not only does the group include all four of the top US carriers, but also Google, Isis, VeriFone and PayPal. Add to that financial institutions such as Wells Fargo and Capital One, along with American Express, Discover, MasterCard and Visa, and you'll quickly realize that this group is playing to win. Primary goals of the Mobile Payments Committee include fostering relationships with merchants, ensuring consumer access to modern payment methods, exploring best practices and ensuring interoperability of networks, equipment and financial institutions. The group will also engage in lobbying activities with legislators and regulators, and will additionally work to educate both merchants and consumers about the potential of mobile payments. With so many key players (and competitors) sitting around one big table, what wouldn't you give to be a fly on the wall during those meetings? For a little extra insight, just hop the break for the full PR.
Square CEO hints at Windows Phone app, says Starbucks funding will go toward 'international efforts'
As you probably have heard -- it's created quite some buzz, after all -- Starbucks just announced a partnership with Square to accept mobile payments via the Pay with the Square app. That's huge news for Square, which currently processes transactions for some 75,000 merchants, as the coffee retailer is one of the largest national chains to integrate with the payment service. At a breakfast in New York today, Square CEO and Twitter founder Jack Dorsey and Starbucks CEO Howard Schultz fielded questions about the partnership's importance. While most of the talk centered on the rollout that will bring Square payments to 7,000 Starbucks stores ahead of the holiday season, the discussion also touched upon other areas of expansion for the mobile payments company. Currently, the Pay with Square app is only available on iOS and Android. Asked whether a Windows Phone app is in the making, Dorsey said, "We will definitely build for where the users are, and we're excited about the Windows Phone interface." Take that as you will. Starbucks will start accepting Square payments ahead of the holiday season, and Dorsey said the coffee retailer's $25 million investment will be used for hiring and to expand "international efforts." Starbucks, which has 18,000 stores in 60 countries, would certainly be a natural partner in any overseas plans.
Starbucks switches to Square for payments, invests $25 million and will support Pay with Square
While Square's mobile payment processing platform has already picked up some major players in retail to go along with more than a million small businesses, its biggest shot in the arm to date is a new partnership with Starbucks. The chain will use Square to process credit card payments in nearly 7,000 US locations along with investing $25 million in the company, while Starbucks president, chairman and CEO Howard Shulz is joining its Board of Directors. Also notable for Square is that this fall Starbucks will be pushing features like its Pay with Square app that lets customers pay via iOS and Android apps, as well as the Square Directory of local businesses. In a letter, Square CEO Jack Dorsey pushed the platform as a way enhance local businesses and communities, but we'll see how friendly your local coffeeshop employees are when a familiar green logo shares their payment processor.
Google Wallet moves to the cloud, opens up to all credit and debit cards
Google Wallet has been hampered by a number of limitations since its launch, not the least of which is its limited device compatibility. Perhaps a bigger problem though, was its lack of support for most major credit and debit cards. Today that finally changes with the latest version of Big G's mobile payment system. Now you'll be able to use any credit or debit card you wish, and take them with you from one device to the next. Early versions of the digital wallet used the phones secure local storage to protect your card info, now it's all in the cloud allowing you to sync your preferred payment method across multiple devices and keep track of both your online and in-store purchase's through Google's web Wallet. Perhaps most importantly though, Mountain View has upped the security ante, by allowing you to disable individual devices, should a tragedy befall your beloved Nexus. For more info check out the video after the break.
