Activation Commerciale

(Author : Robert Williams)
Walmart, the biggest discount chain in the U.S. with more than 4,600 stores, added a feature to its mobile payment application to let people immediately start using store branded credit cards, according to a blog post by the company.

Walmart updates app for fast store credit access

The Walmart Pay electronic wallet now gives nearly instant access to Walmart credit cards at all store locations and online after customers are approved — even before a plastic card arrives by mail. Walmart Pay works with any iOS or Android device in stores and with any credit, debit, prepaid or Walmart gift card that users upload to the mobile app. The Bentonville, Arkansas-based company cited a study that found that Walmart Pay is the third-most frequently used mobile wallet in the U.S., behind Samsung Pay and Apple Pay, but ahead of Android Pay.

The company rolled out its mobile pay app in early 2016. Walmart’s credit cards offer 3% cash back on online purchases, 2% on purchases from Murphy USA and Walmart gas stations and 1% cash back on all other purchases.

Walmart is embracing the ways in which today’s consumers want to shop, expanding beyond its focus on squeezing out distribution costs in an effort to offer low prices. That strategy worked for more than 30 years, but other retailers are demonstrating that shoppers don’t have to waste time roaming endless aisles in search of deals, a key part of how Walmart transformed the cost structure of retailing.

Walmart Pay’s new ability to offer instant credit cards comes as analysts and studies say more incentives are needed to boost the usage of mobile wallets. A survey in March found that consumers who were offered incentives use mobile payments inside stores an average of 4.6x in a one-week period compared with 3.1x for people who didn’t receive those incentives. Incentivized in-app purchases were greater at 4x a week, compared with 2.4x without them, according to the study by Auriemma Consulting Group. Mobile pay users, according to the study, are a “highly covetable demographic,” consisting mostly of employed, affluent and college-educated consumers.

For Walmart, coupling its branded credit card with its payment app is likely to provide the retailer with valuable data about its most loyal customers so that it can optimize its marketing efforts to them. 

This latest move exemplifies Walmart’s push for a more convenient shopping experience — like adding in-store pickup and free shipping on many items. Now, customers can access funds almost instantly without the hassle of waiting for a card in the mail. This feature seeks to meet consumers where they already are and offer a seamless payment process that will likely save customers time.

Source : retaildive.com

(Author :  Sarah Perez)
Amazon this morning announced the launch of Amazon Cash, a new service that allows consumers to add cash to their Amazon.com balance by showing a barcode at a participating retailer, then having the cash applied immediately to their online Amazon account. The service will support adding any amount between $15 and $500 in a single transaction, Amazon says.

Amazon launches Amazon Cash, a way to shop its site without a bank card

Amazon Cash will be available at brick-and-mortar retailers across the U.S., including CVS Pharmacy, Speedway, Sheetz, Kum & Go, D&W Fresh Market, Family Fare Supermarkets, and VG’s Grocery. Other stores will be added in the future.

The service is not all that different from a similar effort by PayPal, whose PayPal My Cash Card lets you add funds to your online PayPal account, using cash from your wallet. It also has a barcode-only service, powered by Green Dot.

Like PayPal, Amazon Cash is also meant to appeal to the same general demographic who may not yet be shopping online – those who get paid in cash, don’t have a bank account or debit card, and who don’t use credit cards. This “cash customer” (the unbanked or “underbanked) accounts for around 27 percent of consumers, said a 2015 report from the FDIC.

While they may have money to spend online at times, there isn’t an easy way to do so. Until today, they would have to buy an Amazon Gift Card in a designated amount or add cash to prepaid payment cards, to be used at checkout. More broadly, the service could appeal to anyone who just wants to deposit some cash in their Amazon.com account, without hassle.

The advantage to Amazon Cash is that, as soon as you checkout at the register, the funds are available in the customer’s Amazon account. There are also no fees – something that can’t be said of all the prepaid cards on the market.

However, Amazon isn’t selling “Amazon Cash”-branded Gift Cards at stores – instead, customers visit Amazon.com/cash from web or mobile, or search for “amazon cash” in the Amazon mobile app to access their Amazon Cash barcode. They can also navigate to “Manage Gift Card” balance to find the Amazon Cash barcode, as it’s effectively connected Amazon’s gift card functionality.

That same barcode can be reused any time the customer wants to add more cash to their Amazon account. It can also be added to your Wallet app on iOS or as a homescreen shortcut on Android.

To use the service, customers show their barcode to the cashier, and tell them how much cash they want to apply to their account. The cashier then scans the barcode and the customer pays with their cash. (If the customer doesn’t have a smartphone, they can print out the barcode at home and bring that paper to the store instead. This is also suggested for those who have cracked screens on their phones.)

The funds are available instantly and can be used anywhere on Amazon’s site. Customers are alerted to this via a notification sent to their email or registered phone number with Amazon – or, if the mobile app is installed, it will be sent as a push notification. Amazon Cash is launching now in the U.S.

Source : techcrunch.com

(Author : Paul Skeldon)
Jaguar drivers can now use their car’s touchscreen to pay for fuel with a new cashless payment app at Shell service stations in the UK.

Jaguar and Shell put mobile into mobile payments with touchscreen in-car fuel payments with PayPal

Rather than using a card at the pump, or queuing in the forecourt shop, Jag owners who install the Shell app can simply drive up to any pump at a participating Shell service station in the UK and use the vehicle’s touchscreen to select how much fuel they require and pay using PayPal or Apple Pay. Android Pay will be added later in 2017.

An electronic receipt will be displayed on the touchscreen, so customers can leave the forecourt confident of having paid. A receipt will also be sent directly from the pump to the driver’s email address so it can be added to accounting or expenses software.

Peter Virk, Jaguar Land Rover’s Director of Connected Car and Future Technology, explains: “In a world where cash is no longer king, customers are increasingly using electronic payments and contactless cards. Making a payment directly from a car’s touchscreen will make refuelling quicker and easier. With this new system you can choose any pump on the forecourt and pay for the fuel even if you’ve forgotten your wallet or can’t find your credit or debit card.”

“You will save time because there’s no more queuing to pay in a shop, and for drivers with children, it won’t be necessary to wake them up, or unstrap them from their seats to take them into the shop. Expenses and tax returns will also be made much simpler, with no receipts to lose as these will all be sent electronically.”

Unlike current phone-based payment methods, Shell and Jaguar Land Rover have created a simple but secure customer experience that uses geolocation technology and a cloud based pre-payment check with the PayPal or Apple Pay wallet.

David Bunch, Global Vice President Shell Retail Marketing and Chairman, Shell Brands International, said: ““As the world’s number one global fuels retailer, this e-commerce collaboration with Jaguar Land Rover is part of Shell’s commitment to continuously improve the digital experience for our customers at the forecourt. In 2015 Shell introduced mobile payments at the pump in the UK. Today we are proud to offer the next step in cashless motoring, with Jaguar and Land Rover customers in the UK paying for their Shell fuel using the car’s touchscreen. With around 30 million customers every day, we have a mission to continuously find ways to make our customer’s journey’s better. We look forward to further exciting developments like this across our 43,000 sites around the world soon.”

The Shell app with in-car cashless payments will be available to download from 15 February in the UK and will be rolled out in additional markets across the globe during 2017.

Virk adds: “We are working with leaders in e-commerce such as Shell to enable our customers to enjoy cashless motoring via their car’s touchscreen.Whether it’s paying for fuel, parking, tolls, or even at a drive-through restaurant, the aim of cashless motoring is to make life easier for our customers.

“Our technology allows users to put their phone away out of sight and use it via the touchscreen in the car, because as the car becomes more connected to the Internet of Things, we will always be guided by what is appropriate and safe to do while driving. So in-car payments would only be enabled when it is safe to do so, preventing unnecessary driver distractions.”

Source : internetretailing.net

(Auteur : Gredy Raffin)
Daimler réalise un investissement hors du commun dans l’automobile. Elle a validé la reprise de PayCash Europe, une société de dématérialisation du paiement. Mercedes Pay pointe à l’horizon.

Mercedes-Benz Neujahrsempfang in Detroit 2017: Traditionsmarke erfolgreich verjüngt

Daimler répond à Volkswagen. Alors que la firme de Wolfsburg s’emparait des actifs de PaybyPhone fin décembre, celle de Stuttgart vient de prendre possession de PayCash Europe, a-t-on appris par voie de communiqué ce 16 janvier. Un investissement qui prouve l’intérêt des constructeurs pour les solutions de paiement dématérialisé.

Pour Daimler, le rachat de PayCash Europe amorce la création d’un service inédit dans le portfolio du groupe. En effet, l’Allemand a annoncé à cette occasion sa volonté de lancer la marque Mercedes Pay, soit un moyen de règlement de ses services mobilités, tels que l’autopartage Car2Go ou l’application MyTaxi.

Bitcoins sur les tablettes
Mercedes Pay est présentée comme “une composante fondamentale” dans la stratégie de digitalisation de la mobilité, par Bodo Uebber, membre du directoire de Daimler en charge des finances et du contrôle de gestion, d’une part, et de Daimler Finacial Services, d’autre part. Ce dernier n’a pas pour autant communiqué les détails du montant de l’acquisition.

PayCash Europe est une institution financière inscrite au Luxembourg. Elle détient une licence de gestion de monnaie électronique. La société ePayment qui lui appartient a par ailleurs développé des compétences dans les domaines de la monnaie cryptée, tels les Bitcoins et les eWallet. Mercedes Pay, qui en profitera, doit intégrer Daimler Financial Services dans les mois à venir.

Source : journalauto.com

(Auteur : Sylvain Arnuf)
Le bras financier du groupe Volkswagen rachète la firme canadienne de paiement mobile PayByPhone, pour un montant non communiqué. La société est spécialisée dans le paiement mobile du stationnement et des transports.

volkswagen-rachete-le-service-de-paiement-mobile-paybyphone

Volkswagen poursuit sa transformation en fournisseur global de solutions de mobilité. Le groupe allemand, après avoir créé la marque Moia, va acquérir la firme canadienne PayByPhone pour un montant non communiqué. C’est le bras financier du groupe allemand, Volkswagen Financial Services, qui va effectuer la transaction.

9 MILLIONS D’UTILISATEURS DANS LE MONDE
PayByPhone a créé une application mobile permettant de payer avec son smartphone (via application mobile, SMS ou appel téléphonique) différents services liés à la mobilité : stationnement, vélo en libre-service, auto-partage, transports publics, et même péage urbain. La société créée en 2000 et basée à Vancouver dispose de contrats avec 300 villes dans le monde entier. 150 villes françaises permettent aux automobilistes de payer leur parking via PayByPhone, comme Paris, Lyon, Nantes et Montpellier. Le service est également disponible aux Etats-Unis, au Canada, au Royaume-Uni et dans une poignée de villes en Australie et en Nouvelle-Zélande. Neuf millions de personnes utilisent régulièrement ses services : PayByPhone revendique la place de leader mondial du paiement mobile pour le stationnement et le transport.

Avec cette acquisition, Volkswagen dispose d’une brique technologique essentielle pour lancer de nouveaux services de mobilité et intégrer le paiement mobile à ses véhicules connectés. Le puissant groupe pourrait aider PayByPhone à se lancer rapidement sur le marché allemand et dans le reste de l’Europe.

Source : usine-digitale.fr

(Auteur : Clément Fages)
Annoncées à l’issue de la réunion biannuelle des investisseurs, le chatbot et l’implantation en Chine via WeChat sont deux axes de développement mobiles de Starbucks en 2017.

starbucks-integre-un-chatbot-et-noue-un-partenariat-avec-wechat

En 2017, l’intelligence artificielle fera son entrée dans la stratégie mobile de Starbucks avec l’intégration dans son application d’un chatbot nommé “My Starbucks Barista” et d’un système de reconnaissance vocale pour commander directement via son smartphone. My Starbucks Barista ne sera accessible qu’en bêta-test et sur iOS début 2017.Avec ces fonctionnalités, l’Américain entend renforcer l’engagement des clients envers sa marque. 12 millions de personnes sont inscrites au programme de fidélisation Starbucks Rewards, un chiffre en hausse de 18% chaque année selon l’enseigne.

L’autre volet de développement concerne le paiement mobile : il représente 25% des transactions américaines du groupe. Starbucks revendique 8 millions de clients qui l’utilisent, dont un tiers via l’option Mobile Order & Pay, qui permet de ne pas passer en caisse. Ce nombre devrait bientôt augmenter : les clients chinois pourront d’ici la fin d’année utiliser WeChat Pay pour régler directement dans l’un des 2500 Starbucks du pays.

Starbucks et l’application de messagerie WeChat proposeront aussi un service de “social gifting”, qui permettra d’offrir un bon d’achat pour un produit Starbucks via un message à un de ses proches. Ce partenariat, annoncé ce 8 décembre au lendemain de la réunion biannuelle des investisseurs, est stratégique pour le groupe américain : La Chine est susceptible de devenir le premier marché du groupe.

Starbucks planifie d’y ouvrir 5000 nouveaux points de vente d’ici à 2021, soit près de 42% de toutes les ouvertures dans le monde à cette date. WeChat compte 846 millions d’utilisateurs en Chine, dont 300 millions qui ont relié leur carte de paiement à WeChat Pay.

Source : ecommercemag.fr

(Author : Rian Boden)
McDonald’s South Africa is piloting a mobile payment service at select restaurants in Johannesburg and Cape Town using social messaging app WeChat Africa, enabling customers to complete purchases by presenting QR codes generated by the app at the point of sale.

mcdonalds-south-africa-pilots-qr-code-mobile-payments-with-wechat

To mark the launch of Quick Pay, WeChat is also giving the first 20,000 McDonald’s customers 50% cashback when using the service to pay for their meal.

“We are continuously searching for innovative ways to enhance our customers’ experience,” says Daniel Padiachy, chief marketing officer at McDonald’s South Africa. “We believe that WeChat’s Quick Pay will further assist us in upholding these principles.

Value challenge
WeChat was launched in South Africa in November last yearby Chinese ecommerce giant Tencent in partnership with Standard Bank. The service lets users make P2P transfers, pay for services such as airtime, data and electricity and make in-store payments by scanning QR codes at 30,000 merchants supporting the SnapScan mobile payments platform.

Quick Pay will stand alongside the SnapScan feature within WeChat, the company confirmed to NFC World. Only Quick Pay currently works at McDonald’s locations.

“Although Quick Pay is innovative, it also offers customers a much faster and easier payment option to traditional payment,” says WeChat Africa CEO Brett Loubser.

“Cash and card payments serve most payment scenarios very well. Our challenge is to create value for customers when they make payments.”

WeChat began offering in-store payments at nine Chinese merchants in September 2014. Tencent reported that more than 200 million customers have added their bank cards to its QQ Wallet and Weixin Pay mobile payment platforms in November 2015.

Source : nfcworld.com

(Author : Will Hernandez)
It was at last month’s Money20/20 conference in Las Vegas that Samsung’s Haley Kim told Mobile Payments Today about the company’s desire to turn Samsung Pay into a mobile wallet that, at its core, is about convenience and loyalty benefits and not necessarily about payments.

samsung-pay-first-pay-to-add-system-specific-rewards-program

Samsung accomplished the convenience part (and made Samsung Pay more versatile) by enabling users to store more than just traditional payment cards in the mobile wallet. This included the ability for users to add retailer gift cards as well as loyalty and memberships cards. At Money20/20, Samsung announced the availability of a nearby deals feature that gives consumers the opportunity to benefit from discounts wherever they go, Kim said.

On Monday, Samsung Pay took another step forward as the most well-rounded mobile wallet on the market with its announcement of the upcoming availability of a system-specific loyalty program called Samsung Rewards. Android Pay and Apple Pay both lack such a program.

Samsung Pay users enrolled in the rewards program will earn points for every Samsung Pay transaction and eventually will have the opportunity to redeem their stash for retailer gift cards, prepaid Samsung Rewards Visa gift cards, Samsung products and more, according to a press release.

“As we enter the new year, and look to the future of mobile payments, we want to build on the success of Samsung Pay by giving new users even more reasons to try it out — not to mention, thank our existing customers for using a service they already love,” Nana Murugesan, vice president and general manager of services and new business at Samsung Electronics America, wrote in a company blog post accompanying the announcement. “That’s why we’re excited to offer Samsung Pay users a first-of-its-kind rewards program for a mobile payments platform: Samsung Rewards.”

Samsung will launch the loyalty program later this week.
The company’s decision to introduce a mobile wallet-specific loyalty program comes at a time when industry observers are pleading for mobile payments providers to place rewards centerstage in order to drive increased consumer adoption.

“The perception of getting a bargain is maybe the most compelling carrot for driving consumer behavior in general — and mobile payments are no exception,” Tim Spenny, vice president of financial services consulting at GfK Research, wrote last month in a blog post about Kohl’s Pay. “Combining a loyal customer base with attractive offers, via coupons, has worked well for Starbucks – and Kohl’s is betting it can do the same.”

While Spenny’s comment was directed toward retailer-specific programs, the Pays have faced difficulty growing their user base. The industry views rewards as a way to reverse that trend. Samsung Rewards is structured like a typical credit card rewards program with a few bonuses here and there.

“You can get even more points through limited-time bonus offers,” Murugesan wrote. “Samsung Rewards will partner with retailers and small businesses and give users seasonal opportunities to earn additional points — anyone who joins Samsung Rewards in November or December, for example, will receive double points on purchases made in those months.

“Users can then redeem their points for Samsung products, vouchers for Samsung.com, Samsung Rewards Visa Prepaid Card value, and gifts cards to some of the country’s leading retailers. Users can also be eligible for additional prize giveaways — called ‘Instant Wins’ — that include things like trips to Napa Valley and Las Vegas that surprise and delight.”

Samsung Rewards will also feature user tiers.
For instance, a user who completes five Samsung Pay transactions in one month will achieve “silver” status and earn twice the points for transactions using Samsung Pay. Twenty monthly transactions gets the user to “gold” status, which awards triple points; 30 monthly Samsung Pay transactions puts a user in the “Platinum” tier earning quadruple points, according to the announcement.

Source : mobilepaymentstoday.com

(Auteur : Patrice Bernard)
Outsider du paiement via mobile aux côtés des ténors que sont Apple et Google, Samsung est le premier des géants du smartphone à introduire un programme de fidélité au sein de son offre. Parviendra-t-il ainsi à séduire les commerçants ? Sera-t-il suffisamment convaincant pour faire décoller l’adoption de sa solution par le grand public ?

un-programme-de-fidelite-pour-samsung-pay

La bonne nouvelle à retenir de cette annonce est la prise de conscience par un acteur important du secteur (aussi « exotique » soit-il) de l’impérieuse nécessité d’enrichir sa proposition de valeur pour conquérir des clients. En l’occurrence, Samsung admet officiellement que les systèmes de paiement existants répondent parfaitement aux besoins de leurs utilisateurs (commerçants et consommateurs) et que, en conséquence, il faut trouver de nouveaux arguments pour les inciter à changer leurs vieilles habitudes.

Afin de répondre à ce défi, le fabricant avait intégré les coupons de réduction et les cartes affinitaires dématérialisés dans Samsung Pay. Désormais, aux États-Unis, il propose donc en plus son propre programme de fidélité, basé sur une accumulation de points au fil des dépenses. En réalité, bien qu’elle ne fasse pas partie de l’arsenal de ses concurrents directs, cette approche représente depuis longtemps un classique parmi les nouveaux entrants (il s’agit, par exemple, d’un des piliers de Wa! et Fivory, en France).

En vue d’amorcer le dispositif, les promotions distribuées restent dans l’écosystème de Samsung, qui les finance entièrement, a priori. À terme, les commerçants auront également l’opportunité de participer, à travers des « bonnes affaires » de proximité (motorisées par la géolocalisation du téléphone) ou des compléments de primes.

En pratique, ce programme veut ressembler à ce qui existe déjà outre-Atlantique avec de nombreuses cartes de crédit, ce qui inverse la perspective : pour bien des consommateurs, il ne fait qu’aligner le nouveau moyen de paiement avec l’existant et ne constituera résolument pas un bénéfice supplémentaire. Au contraire, il y a fort à parier que, à moins qu’il ne mette des moyens colossaux dans sa stratégie de conquête, les avantages que Samsung pourra offrir souffriront de la comparaison avec la concurrence.

De manière plus générale, le constructeur aura probablement des difficultés (comme ses confrères) à capter l’attention des commerçants, pour qui la multiplication et l’hétérogénéité des solutions deviendront rapidement un casse-tête incompréhensible. D’autant que celui-ci se répercutera automatiquement sur leurs clients, pour lesquels il faudra disposer du « bon » outil en fonction de son équipement (son smartphone et/ou son – voire ses – porte-monnaie virtuel-s). La qualité de l’expérience s’en ressentira…

En conclusion, Samsung Rewards rejoint une tendance connue et largement explorée. Or, au vu des antécédents, rien ne semble confirmer que l’ajout d’un programme de fidélité dans les services offerts réussisse à stimuler fortement les usages. Dans ce domaine aussi, les habitudes sont bien ancrées et il faudrait apporter une valeur supplémentaire sensible pour justifier la transition vers le mobile. Décidément, il reste encore des idées à trouver avant de changer significativement les pratiques de paiement…

Source : cestpasmonidee.blogspot.fr

(Author : fashionnetwork)
Alibaba Group Holdings’ finance arm on Wednesday demonstrated a payment service that will allow virtual reality shoppers to pay for things in future just by nodding their heads.

alibabas-new-payment-system-lets-virtual-reality-shoppers-pay-by-nodding

VR Pay, the new payment system, is part of Alibaba’s efforts to capitalize on the latest technology in online shopping. In 2015, for example, it introduced a facial recognition technology for Alipay mobile payments service advertised as “pay with a selfie”. The VR payment technology means people using virtual reality goggles to browse virtual reality shopping malls will be able pay for purchases without taking off the goggles. They can just nod or look instead.

Lin Feng, who is in charge of Ant Financial’s incubator F Lab that has been developing the payment service over the past few months, told Reuters: “It is very boring to have to take off your goggles for payment. With this, you will never need to take out your phone.

User identity can be verified on VR Pay via account logins on connected devices or via voice print technology that recognizes each person’s unique voice. Lin said this was the most convenient method in a VR setting compared with other biometric recognition technologies. But passwords will still be needed for authentication, which the user can also enter with head movements, touch, or by staring at a point on virtual display for longer than 1.5 seconds, he said. VR Pay is expected to be ready for commercial launch by the end of this year.

Ant Financial said its new VR-based payment infrastructure can make VR “a tool rather than just a toy” by connecting various VR goggle makers and app developers to the Alipay payments platform. Ant Financial Services Group, which was demonstrating VR Pay in Shenzhen on Wednesday, operates China’s largest online payments service Alipay with more than 450 million daily users. In September, it bought U.S.company EyeVerify, a maker of optical verification technology used by U.S. banks including Wells Fargo.

Source : us.fashionnetwork.com