2014

Best of 2013-14

Mobile POS

Curating the top payments news online

Address: Level 12, 95 Pitt Street, Sydney, NSW 2000 Australia

email: editor@paymentsconsulting.com

Contents
Introduction .......................................................................................... 4
Chapter 1: Statistics .............................................................................. 6
UK mPOS Attitudes and Adoption ....................................................................................................... 7
Visa Europe Predicts SMEs' mPOS Usage to Rocket in 2014 .................................................... 9
MPOS Tracker February 2014 ............................................................................................................. 10
2013 LexisNexis True Cost of Mobile Fraud .................................................................................. 11
December 2013 MPOS Tracker .......................................................................................................... 13
2014 Payment Tech Trends ................................................................................................................. 14
Mobile POS Gaining Traction in 2014............................................................................................... 15
10 Product Innovations to Watch in 2014 ..................................................................................... 16
November 2013 MPOS Tracker .......................................................................................................... 17
The MPOS Impact Shifting the Balance of Power........................................................................ 18
MasterCard MPRI Mobile Payments Readiness Index ................................................................ 20
Survey: Retail Adoption of Multichannel Technology ................................................................ 22
Updated Mobile POS Ecosystem ........................................................................................................ 24
BBVA Outlook and SumUP Mobile POS Stake............................................................................... 25

Chapter 2: Incumbent Suppliers .......................................................... 27

Quest Launches Bluetooth Mobile POS in Australia.................................................................... 28
VeriFone Launch VX690 Portable 3G Payment Terminal.......................................................... 29
Ingenico Launch iSMP mPOS Solution in the Nordics................................................................ 30
VeriFone PAYware mPOS Wins MPE 2014 Award ........................................................................ 31
Crdit Agricole Selects Ingenico 3G MPOS .................................................................................... 32

Chapter 3: Merchant Use Cases ............................................................ 34

Apple EasyPay Adopts Verifone Shell for iPhone 5S .................................................................. 35
Electrolux Technicians Adopting Mint Mobile POS ...................................................................... 36
VeriFone Omni-channel Solution for UGG Australia ................................................................... 37
iZettle mPOS for Eurostar On-board Train Upgrades ................................................................ 38
iZettle Mobile POS for Homeless Publication 'Situation Sthlom' ........................................... 39
Ingenico Partners Ingogo mPOS for Australian Taxis ............................................................... 40
PCN Interview Point of Pay on HOME EFTPOS ............................................................................. 41

Chapter 4: U.S. Market ......................................................................... 43

Rumours Amazon to Launch Their Own Mobile Card Reader ................................................. 44
Amazon Kindle Based Merchant POS System............................................................................... 45
Square Acquisition Rumours ............................................................................................................... 46
AnywhereCommerce MPOS for Microsoft Surface ...................................................................... 47

PayAnywhere Partner with MasterCard ........................................................................................... 48

Square's Thinner Card Reader............................................................................................................ 49
PayAnywhere Enables Paypal ............................................................................................................. 50
ROAM G5X New Mag Stripe Mobile POS ......................................................................................... 51
US Smart Card Alliance Payment Impact at Physical Stores.................................................. 52
Square Considering 2014 IPO............................................................................................................. 53
PCI SCC Director Discusses PCI DSS v3.0 Update ..................................................................... 54

Chapter 5: European Market ................................................................ 56

SumUp Launches Chip & PIN Card Reader in Europe ............................................................... 57
Payleven Announces NFC Enabled Mobile POS ............................................................................ 58
Santander UK and iZettle Slash Mobile Reader Cost ................................................................. 59
Visa Europe Mobile Payments Partnerships................................................................................... 60
UK Launch for Barclaycard Anywhere Mobile POS ...................................................................... 61
ROAM's New MPOS Reader Supports EMV Chip & PIN .............................................................. 62
iZettle's iOS Payments SDK................................................................................................................. 63
Emerge Mobile Ready for African mPOS Expansion ................................................................... 64
Infinea BluePad Chip and PIN Readers ........................................................................................... 65
Orange Open Innovation Platforms .................................................................................................. 66
Apple Now Retailing WorldPay Zinc mPOS in UK ........................................................................ 67
Caixa Launches mPOS in Spain.......................................................................................................... 68
PayPal Here Launches Chip & PIN Mobile POS ............................................................................. 69

Chapter 6: Australia & NZ Markets ....................................................... 71

CommBank Unveils Emmy Mobile POS Terminal ........................................................................ 72
PayPal Here Chip & PIN Reader Launched in Australia ........................................................... 73
Australian POS Terminal Upgrades Post Signatures .................................................................. 74
Square Challenges Aussie Banks ....................................................................................................... 75
Square Plans Australian Launch......................................................................................................... 76
Tappr Raises $2 Million for Juvo Contactless mPOS .................................................................. 77
Mint Wireless Shares Rocket Higher ................................................................................................ 78
BNZ launches PayClip Mobile POS from Mint ................................................................................ 79
Mint Wireless Seeks Alignment in Australia and NZ .................................................................. 80
CBA Tech Strategy Pays Off Forward Focus is Mobile ............................................................... 81
Mint Wireless Ready for Australian Merchants ............................................................................. 83
PayPal Ramps Up Offline Payment Operations ............................................................................ 84

Chapter 7: Asia Pacific Markets ............................................................ 86

Swiff Deliver mPOS for McDelivery in Thailand ........................................................................... 87
Global Payments & 1O1O Launch mPOS in Hong Kong............................................................ 88
Ingenico Ships Half a Million POS Terminals in Indonesia....................................................... 89

Thai Telco TOT Launches JustPay Mobile Payments .................................................................. 90

First Data's Pogo> Mobile POS Hits Hong Kong, Singapore and Malaysia ........................ 91
Soft Space mPOS Plug-n-Pay Hits Malaysia .................................................................................. 92
mPOS Start-up Soft Space Advances to AICTA finals ............................................................... 94
Veme E-pay Combination mPOS + Charger for China .............................................................. 95
Modernisation Driving Asian Payments Growth ........................................................................... 96

Chapter 8: Service Integrations ........................................................... 98

Smartpay Launches Till2Pay Mobile Cash Register App ........................................................... 99
Shopify Launch Integrated Mobile POS ......................................................................................... 100
Square Integrates with New Zealand's Xero .............................................................................. 101
MYOB Launches PayDirect Mobile POS for SMEs ....................................................................... 102
Processing Point Launch uAccept MobileSwipe in US .............................................................. 103
Skyauth Launch popuppay with CreditCall SDK in Berlin ...................................................... 104
Free Mintegrate SDK for Mobile POS in Australia ..................................................................... 105
MYOB PayDirect Launch for Australia and New Zealand ........................................................ 106
Lavu iPad POS hits Australia, Europe and the Americas ........................................................ 107
ROAM Launches Mobile Commerce Manager in US .................................................................. 108
Square Integrated Mobile Merchant Case .................................................................................... 109
Google Glass Prototype Intuit Financials and Payments ........................................................ 110
NAB, Reckon and Verifone Deliver Integrated Mobile POS ................................................... 111
Linked2Pay GPS Feature Assists Field Staff Workflow ............................................................ 112

Chapter 9: Readerless mPOS ............................................................. 114

Flint Partner Program for Mobile POS Card Scanner ............................................................... 115
Tantrum Street Dongle-free MPOS in Dallas .............................................................................. 116

Conclusions........................................................................................ 117
Our Services ...................................................................................... 119
FREE Subscription to Payments Innovation Daily ..................................................................... 120
Running Campaigns with Payments Innovation Daily ............................................................. 121
Web Research Services ....................................................................................................................... 123
Sponsor Industry Trackers................................................................................................................. 124
Branded Newsletter Services ............................................................................................................ 125

Introduction
The Best of Mobile POS 2013-14 looks at the rampant scramble for market share worldwide and
the proliferation of product and service solutions targeting new merchant payment segments. This
is the second in a series of topic compilation reports highlighting news stories and online content
covered in the FREE Payments Innovation Daily newsletters.
This report contains more than 120 pages of feature coverage from the past year including
published statistics, product ecosystems, adoption surveys, compliance issues, fraud reports,
strategic partnerships and countless new product releases. We define Mobile POS as merchant
Point-Of-Sale systems enabled on a device that facilitates payments over a mobile network,
including dedicated high end 3G terminals and lower end dongle and bluetooth devices that work
with mobile phones.
Feature content is broadly categorised according to our editorial judgement and articles are
arranged in chronological order of publication. All articles include links to source content online.
Any representations are entirely attributable to source material and do not reflect the views of
Payments Innovation Daily. Please advise us if you discover inactive links. If you have any
concerns please contact our editorial team.
Future Publications
Payments Innovation Daily will be releasing a number of topic compilation reports with all the best
content covered during the 2013-14 financial year. These reports are expected to achieve wide
circulation beyond our current subscriber base. There are 20 different topics as listed.

Fraud and Security

Card Networks

Merchant Acquiring
Mobile POS
Mobile Payments
Mobile Commerce
Mobile Banking
P2P and Remittances
Loyalty and Rewards
Data Analytics
B2B Transactions

Online Payments
ATMs
Payments Infrastructure
Faster Payments
Regulation
Virtual Currency (Available Now)
Cross Border Transactions
Innovation
Financial Inclusion

If you are interested in placing advertisements or contributing feature content in this report or any
of our next topic compilation reports contact our editorial team.

Chapter 1:

Statistics

1st July 2014

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UK mPOS Attitudes and Adoption

According to the report mPOS Attitudes
and Adoption carried out by MobileSquared
on behalf of Kalixa Group, only 2% of microbusinesses in the UK use mobile point-ofsale (mPOS) to accept payments.
One major reason is that current mPOS and
POS offerings are too slow to settle
payments and help businesses improve cash
flow. The majority of existing mPOS services
take between 7-10 days to settle payments.
The research is based on responses from
more than 1,000 UK micro-businesses
including market traders, fast food outlets,
independent retailers, and mobile caterers.

The study reveals that 48% of microbusinesses surveyed miss sales or face
delayed settlement, with one in ten saying
they miss sales because they dont have the
required payment capability. More than half
of respondents believe multi-channel
payments will be important in the future.
The paper shows that 45% of microbusinesses identify cash flow as the number
one barrier to growth. 19% of respondents
believe mPOS will help with cash flow and
17% expect it to remove payment issues. In
addition 38% of respondents say they will
adopt mPOS in the near future as long as
their concerns are addressed.

Colin Swain, Global Head of Product at Kalixa Group, said: Micro-businesses are missing
sales and face delayed settlement, with many citing current payment technology as the culprit
and mobile as part of the solution. Yet market adoption simply isnt there.
Nick Lane, Chief Analyst at mobilesquared, said: It is clear from the research that education is
key to addressing micro-business concerns around settlement speed, security and
connectivity, but also to educate micro businesses and their customers that the calculator-like
device is as trustworthy and safe as every other POS device.
Read more at Realwire, The Paypers or download the report (PDF).

Payments Innovation Daily covered The MPOS Impact The Shifting Balance of Power,
and Apple Now Retailing WorldPay Zinc mPOS in UK.

5th June 2014

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Visa Europe Predicts SMEs'

mPOS Usage to Rocket in 2014
According to Visa Europes study of the acceptance of new payment solutions conducted in five
European markets, including UK, France, Germany, Italy and Poland, the number of merchants
signing up for Chip and PIN mPOS increased by more than 60% in the last quarter of 2013.
The report also highlights that mPOS (mobile point of sale) usage by small businesses (SMEs) in
Europe will take off dramatically in 2014. This will be driven by changing perceptions towards card
acceptance by small businesses once they become familiar with mPOS as a solution.
The research included a quantitative element with 2,213 online interviews and 16 in-depth
qualitative interviews in each market. Highlights of the research include:

Over a quarter of SMEs surveyed expressed an interest in taking up an mPOS solution

within the next 6 months.
mPOS ease of use is cited as its unique selling point by the majority of small businesses
(74% in France, 73% in Germany, 63% in the UK and Poland and 59% in Italy).
Security was noted as the most important feature, closely followed by industry compliance
and the ability to accept all major cards.
Almost 50% in Germany thought mPOS would increase sales as customers may spend
more and are not limited by the amount of cash they have at the time of purchase.
45% of small business surveyed in Italy found that mPOS would improve their cash flow
as it would enable them to get paid quicker.
Twenty-five mPOS solutions are currently live across Europe and several key banks have
started mPOS pilots with 30 implementation projects set to launch a new Chip and PIN
compliant program by autumn this year; the most recent being Barclaycard in the UK.

Caroline Drolet, Head of Mobile Point-of-Sale at Visa Europe said: Small businesses have been
traditionally reluctant to embrace card payments but across Europe that is changing. We continue
to play a key role in mPOSs development, ensuring that industry standards and requirements are
met and solutions are secure before they are deployed in the market.
Read more at Visa or download the researchs results (PDF)

Payments Innovation Daily covered Ingenico iSMP mPOS in the Nordics, ROAM's New
MPOS Reader Supports EMV Chip & PIN, iZettle mPOS for Eurostar On-board Train
Upgrades, and The MPOS Impact The Shifting Balance of Power.

18th March 2014

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MPOS Tracker February 2014

PYMNTS.com have published their
latest February 2014 MPOS Tracker.
Two new players joined the MPOS
Tracker ranks this month: iACCEPT and
Barclaycard Anywhere.
According to the report, mPOS has
evolved to become a substitute for
existing payment acceptance products
because it can deliver greater
functionality. However, in developing
markets, growth has come from enabling
digital payments acceptance for those
small cash-based merchants with no
other cost effective payments options
available to them.

Key points in the February 2014 MPOS Tracker include:

The Micromerchant economic model is fueling the growth of mPOS.

Square deal with Whole Foods Whole Foods processed $13 billion in revenue in
2013. The opportunity for Square is huge even if only fraction of that amount.
Increase in commerce software to provide an enhanced customer experience.
Mobile Point of Sale is truly global and in all areas of the world.

The report provides updates for seven existing players in the mPOS space, including Ezetap,
iZettle, I Love Velvet, PayAnywhere, and Payleven, and updates on three 3 suppliers: ROAM,
Adyen and Infinite Peripherals.
For further reading try PYMNTS or download the February 2014 MPOS Tracker.

Payments Innovation Daily covered December 2013 and November 2013 MPOS
Trackers and The MPOS Impact, by Mobey Forum forecasting MPOS terminals to increase from
4.5 million to 38 million from 2011 to 2017.

10

7th February 2014

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2013 LexisNexis
True Cost of Mobile Fraud
According to the "2013 LexisNexis
True Cost of Fraud Mobile" study,
fraud threats are impacting merchants
to the tune of USD 283 for every USD
100 of actual fraud losses via the
mobile channel.
The study conducted by LexisNexis
and Javelin Strategy & Research
highlights key fraud issues effecting
mobile retailers, and articulates ways to
combat retail fraud. The research
shows that nearly one in 10 merchants
accepted mobile payments in 2013
and 25 percent expect to begin
accepting mobile payments in 2014.

11

The largest growth channel is mPOS (mobile point-of-sale) hardware. Seven percent of
merchants used mPOS in 2013 after no merchants reported using it in 2012.

The study also highlighted:

Fraudulent transactions were nearly 60% credit card versus 23% debit cards.
Mobile browsers more common and apps for accepting mobile payments.
Mobile merchants face more identity theft than all other merchants.

Key recommendations from the study:

Mobile merchants selling digital goods can limit their fraud costs by thoroughly
authenticating card-not-present transactions through mobile devices.

Merchants should track fraudulent activities by each channel they offer. Currently, only
48% of mobile merchants reported that they track fraud by payment channel.
Maintain open communications with financial institutions and other mobile merchants to
better understand the evolving nature of fraud threats and solutions.

Dennis Becker, Vice President, Corporate Markets and Identity Management Solutions,
LexisNexis, said: "Mobile payment options and point-of-sale hardware are providing more
business opportunities for small merchants. Despite the surge in retailers using mobile payments
to conduct business, we've found in our study the unfortunate correlation between the size of the
business and the impact of mobile fraud on their business."
For further reading try LexisNexis or download the report.

Payments Innovation Daily covered a prior LexisNexis report, the Harris Pole: Mobile
Payments Face Security Concerns and Mobile Payments Prediction for 2014.

12

17th January 2014

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December 2013 MPOS Tracker

PYMNTS.com have published their
latest December 2013 MPOS Tracker.
According to the report, sponsored by
ROAM, the mobile point-of-sale (mPOS)
market continued its pattern of strong
growth, setting the stage for even more
expansion and innovation. Consolidation
is expected to become one of the key
mPOS trends in 2014.
The December 2013 report features four
new players to the MPOS market. New
players include 1010, a Hong Kongbased mobile operator, Tantrum Street,
developer of Cartwheel Register,
Kazcommercbank and Vivo.

The key takeaways for December include:

Dont pick a player pick a platform. As no one mPOS solution fits each category,
picking a mobile commerce platform that can enable a variety of functions and features is
the best way for SMBs to further their business.
The incredible shrinking mPOS market has begun. What will be interesting to watch is
whether the mPOS market truly consolidates or whether it simply enables new players to
emerge.
mPOS is defining how consumers and merchants interact. mPOS enables digital
payments but it also enables merchants to enable a number of other capabilities that add
value to the consumer/merchant interaction.

The report also provides updates for eight existing players in the mPOS space: iZettle, I Love
Velvet, PayAnywhere, Payleven, Square, PayPal Here, YESPay and GoPago and three
suppliers: ROAM, Anywhere Commerce and Infinite Peripherals.
For further reading try PYMNTS.com or download the tracker.

Payments Innovation Daily previously covered the November 2013 MPOS Tracker.

13

16th January 2014

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2014 Payment Tech Trends

Mobile POS device provider Infinite Peripherals (IPC) have
published their "2014 Payment Technology Trends", an
annual survey of online and in-store retailers, app developers,
mobile device manufacturers and resellers.
According to the report, sixty-seven percent of respondents
report that mobile technology innovation is the overwhelming
priority of retailers, driving payment technology trends.
Within three years, swipe at register technology is expected to
fall off with 17% of respondents expecting it to remain the
most frequently used payment method.
The expectation is that EMV (25%) and Swipe via Mobile POS (30%) will overtake Swipe at the
Register as preferred payment methods by retailers.

Sixty-nine percent of respondents see the increased consumer use of mobile technology in
everyday life as the single-most influential factor in future payment technology trends.
Read more at All News Au or download the Report from Infinitive Peripherals.

14

8th January 2014

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Mobile POS
Gaining Traction in 2014
Despite the explosive growth the mobile point-of-sale (mPOS) sector has seen in the past few
years, there was one overarching message from the industry heading into 2014: mPOS has only
just begun to show its potential.
Ken Paull, CEO of ROAM announced: "The past has been more niche markets, and smaller tiers
of the market. Now that we are moving upmarket it will be more apparent to the general consumer
base that these systems are going into the mainstream, mid-tiers and larger tiers of the retail
market."
Chip and PIN is expected to become a big factor in global companies. The technology requires a
much greater investment, not only for the hardware itself, but the integration. It is going to raise
the bar in 2014 for how many players can compete in the mPOS space.
For further reading try PYMNTS.com

Payments Innovation Daily recently covered Global Payments & 1O1O Launch mPOS in Hong
Kong and iZettle mPOS for Eurostar On-board Train Upgrades.

15

3rd January 2014

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10 Product
Innovations to Watch in 2014
eWeek have released a short slide show of top
technologies to watch in 2014 in which mobile
payments and related products feature
prominently.
According to eWeek US start-up Square is
currently leading the way in mobile payments and
will likely go public in 2014, putting its mPOS
reader and other technologies front and center.

Bitcoin digital currency was also a hot-button topic in 2013 and is expected to continue into 2014.
However, there has been a lot of concern among currency regulators and law enforcement
agencies about Bitcoin's stability and its use in illicit markets.
The eWeek technology watch list includes:

Google Glass

Other Wearable Computers

Mobile Payment Providers
Fiber Service for the Consumer
Intelligent Home Products

Game Consoles
4K TVs
A New Era of Desktops
Encrypted Digital Currency
Amazon Prime Air

For further reading click through to eWeek.

16

11th December 2013

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November 2013 MPOS Tracker

PYMNTS have published November 2013 MPOS Tracker,
a monthly update on the state of the Mobile Point of Sale
Ecosystem, sponsored by ROAM.
This monthly report provides an initial overview of key players
in the mobile point of sale ecosystem. The tracker report
includes a description of their capabilities, solution features
and functions and customer and go to market priorities. The
report also presents how big-name brands and retailers are
leveraging MPOS for inventory management, line busting,
faster payments and sales acceleration.

The study organizes the ecosystem into two broad categories:

MPOS Merchant-facing firms: supply devices to merchants directly.

MPOS suppliers: supply merchant-facing organizations with the MPOS hardware,
software, tools and services needed to meet their customer needs.

In this update, new players such as Move and Pay, POGO and Cardflight are added. While
updated information is noted for ten players: ROAM, Anywhere Commerce, Clip, Infinite
Peripherals, JUSP, NCR Silver, Payleven, Square, Spire/Thales and Vantiv.
The mPOS market is in the midst of rapid expansion, forecast by Mobey Forum to reach 46
percent market penetration by 2017, up from just 17 percent in 2012. However, according to this
November report, the number of MPOS businesses is likely to diminish in 2014 as competition
heats up and consumers demand more sophisticated design, features and functionality.
The report indicates: "There will have to be some consolidation as players that only provide
dongles and card processing will be overtaken by those with card accepting capabilities as well as
specific solutions that address a vertical markets needs. These vertical markets wont be large
enough to support multiple players given thin margins and the relatively small size of many of
these vertical markets."
Read more at PYMNTS, or you can download the full report here. Also available online,
the October 2013 MPOS Tracker report and the 2012 report.

Payments Innovation Daily recently covered The MPOS Impact, by Mobey Forum forecasting
MPOS terminals to increase from 4.5 million to 38 million from 2011 to 2017.

17

4th December 2013

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The MPOS Impact

Shifting the Balance of Power
The Mobey Forum have published part 2
of their Mobile POS white papers, The
MPOS Impact: Shifting the Balance of
Power. The paper discusses the
impacts of the mobile point of sale
(MPOS) breakthrough.
The report examines a number of factors
influencing the balance of power among
the players in the four-party model of
cardholder, merchant, acquirer and
issuer.
The interchange models, fees, payment
service providers (PSP) operational
practices, the technology networking and
merchant-customer relationship are also
covered.

There is a rapidly increasing proportion of POS transactions originating from mobiles:

1. MPOS terminals accounted for 17% of the total POS market in 2012, expecting to reach
46% by 2017.
2. The number of MPOS terminals increased from 4.5 million to 9.5 million from 2011 to
2012 and it is forecast to achieve 38 million in 2017.
3. 70% of merchants in the U.S, approximately 19 million businesses, do not currently
accept electronic payments. This will open an opportunity to migrate more than $1.1
trillion yearly from paper to electronic payment.
Providers are also offering MPOS apps with value added services (VAS) to help small business
owners leverage mobile commerce and drive sales and customer interactions.

18

Nicolas Dinh, a Mobey Forum MPOS member and mobile business leader for MasterCard in
Canada, said: In 2014 we are likely to see alliances form where merchants integrate valueadded services and launch low-energy Bluetooth-enabled payment zones. The mainstream
adoption of smart wearables, such as the [Google] glasses and smart watches is also around
the corner, which is likely to simplify mobile payment acceptance even further. Banks have a
real opportunity to align their services with these innovations, but they must adopt a strong
mindset if they are to maintain their current competitive position in payments and extract value
from the market at the same time.
For further reading try bobsguide, or you can download the part 2 white paper.
You can also download part 1, "The MPOS Breakthrough: How the Power of Mobile has
Disrupted Payments" (Registration required for part 1)

19

29th October 2013

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MasterCard MPRI
Mobile Payments Readiness Index
MasterCard have launched an interactive
web site covering findings from a datadriven survey of the global mobile
payments landscape.
The survey gauges the preparedness and
receptivity of 34 countries for mobile
payments, and draws on a variety of
public and proprietary research and data.
The data has been aggregated into a
MasterCard Mobile Payments Readiness
Index (MPRI) which measures readiness
to replace cards on a scale of 0 to 100,
with a score of 60 being considered a
critical inflection point. Average country
score is 33.2 with Singapore ranking the
highest at 45.6.

The index draws on data which has been further grouped into infrastructure, regulation, financial
services, environment (economy), mobile commerce clusters (industry co-operation), and
consumer readiness.

20

The MPRI is also split into three forms of mobile payments:

Person to person (P2P)

Mobile e-commerce (m-commerce)
Mobile point of sale (POS)

For further reading click through to MasterCard splash page. The site includes downloadable
reports by country with data split by score metric. If you have difficulty opening individual reports,
try downloading a zipped pack of selected files.

21

28th October 2013

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Survey: Retail Adoption

of Multichannel Technology
Infogroup have published results from a
US survey of 100 retail executives in their
paper "Breaking Through Customer
Engagement Barriers With Innovative
Marketing and Technologies".
According to the report mobile checkout
systems are set to triple in the next five
years. Retail executives also plan to
deploy social media purchasing, but
remain sceptical about offering free instore Wi-Fi to customers.
Mobile POS systems in retail
environments allow businesses to
complete payments transactions from
anywhere in the store as well as track
inventory.

While only 26 percent of retailers have mobile POS systems deployed today, more than half of
the survey respondents said they plan to implement the technology by 2018.

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Other key takeaways:

Brick and mortar channel will continue to attract the most marketing investment

Retailers are lagging in their adoption of marketing technology

Just 1/3rd of marketers are considered multichannel
Only 23% of retailers use real-time data to generate customer offers

Infogroup's Targeting Solutions president, Don Patrick commented: "The adoption of mobile POS
is a great way to capture valuable customer information, but our survey revealed that retailers
struggle with using the data that they already have."
For a more detailed summary try Infogroup or you can download the report (Free Registration
Required).

23

4th September 2013

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Updated Mobile POS Ecosystem

PYMNTS updated MPOS tracker report
organises the mobile point of sale ecosystem into
two broad categories: Merchant-facing
organizations and supporting suppliers of MPOS
hardware, software, tools and services. Recent
new additions to the merchant facing players
include 2can, AEON, Dialog, Next Gen Dine,
Nomad and WALLMOB.

There are also updates for Adyen, Cube, iZettle, PayPal Here and Groupon and two suppliers,
ROAM and AnywhereCommerce. The study indicates vendors are increasingly open to
accommodating third party capabilities for front and back office operations.

Consumer survey results showed a positive reception to mPOS allowing payments anywhere
within a store. This included the perception of the retailer as being tech-savvy and with half of
respondents believing cash registers will not be required in the future.
You can collect the report here, or for further reading click through to PYMNTS.

24

8th July 2013

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BBVA Outlook and

SumUP Mobile POS Stake
SumUp European mobile POS payments company is
expected to reach South American shores by the end of
the year, according to a report by TechCrunch.
This follows the May investment round led by the
venture capital arm of Spanish bank BBVA.

The latest investment round included investors American Express, Groupon and Tengelmann
Ventures. The amount of BBVA's investment undisclosed but is part of a total of more than $20
million announced in May.
Proceeds of the funds will contribute toward SumUp's growth with a focus on Spanish speaking
countries - particularly South America, Spain and Portugal where BBVA is strong; as well as help
extend the brand in Europe. SumUp also recently announced expansion into Russia.
What distinguishes it from US equivalent Square is that the hardware is able to take chipped
cards, however this announcement follows hot on the heels of Banco Santander's investment in
competitor iZettle. See BBVA's presentation here and SumUp's demo at Finovate is
available here.
Separately in a just released Q2 outlook, BBVA chief economist Nathaniel Karp warns of the
double edged sword of mobile innovation - while it will make banks more productive it will also
boost non-bank competitors.
"Mobile banking will increase the productivity of the
industry as banks will have more information and ways to
efficiently target users; however, these technologies are
also bringing more competitors: highly sophisticated
platforms with innovative business models and very low
operating costs. Ultimately, the biggest winner will be the
consumer."
Download BBVA Research Q2 Economic Analysis: "6.
A discussion on the consumers and mobile financial
services survey of 2013" pp 24-27 (PDF)

25

26

Chapter 2:

Incumbent Suppliers

27

17th April 2014

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Quest Launches Bluetooth

Mobile POS in Australia
Quest Payment Systems has partnered
with Bendigo Bank and Strategic Payment
Services (SPS) in Australia for the launch
of their new microPay mobile payments
solution. The credit card sized chip & PIN
device uses Bluetooth to connect
wirelessly to tablets and smart
phones. Bendigo Bank and Quest will
offer microPay separately via their own
respective brands.
Quest is offering free apps for iOS,
Android and the Windows Phone. They
are also providing an API (Application
Programming Interface) allowing
developers to build apps for specific types
of businesses to incorporate payments
capability.
Damien Halloran, Quests Director of Sales & Marketing said; The arrival of the microPay PINpad
and range of apps for smart devices mean that scheme credit and debit, as well as EFTPOS debit
card payments are now accessible to any type of business, no matter their size or with whom they
bank.
Michael OShea, Head of Access and Payment Systems at Bendigo Bank, commented: This will
be a great tool for trades people or other businesses on the go, as theyll be able to receive
payments on the spot while offering their customers greater convenience.
Read more at Bit, Bendigo Bank's Press Releases or Quest's Press Releases.

Payments Innovation Daily previously covered PayPal Here Chip Card Reader, Free Mintegrate
SDK for Mobile POS, and Square's Australian launch plans.

28

11th April 2014

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VeriFone Launch VX690

Portable 3G Payment Terminal
VeriFone Systems, in their press releases,
announced the launch of their first handheld
EMV-capable payment terminal, the VX 690,
featuring Bluetooth, 3G radio and Wi-Fi
connectivity for fast transactions and flexible
payments.
The VX 690 has been designed to meet
merchants mobile POS demands in North
America, Australia and parts of Asia, where 3G
connectivity is increasingly required for
payment device acceptance.

Bill Nelson, executive vice president of Global Product Management for VeriFone announced:
The VX 690 achieves this goal while providing 3G connectivity that is critical in many markets
where 2G networks are transitioning to 3G. The user experience of the terminal combined with its
robustness, flexibility, and technical communication capabilities will not only enable payments
today, it will enable commerce tomorrow.
The VX 690 with its simple, handheld design, is expected to be available in late 2014.
Read more at Business Wire or VeriFone's Press Releases.

Payments Innovation Daily recommended reading:

VeriFone Omni-channel Solution for UGG Australia,

Self Service iPad POS Kiosk,
NAB, Reckon and Verifone Deliver Integrated Mobile POS,
VeriFone PAYware mPOS Wins MPE 2014 Award.

29

12th March 2014

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Ingenico Launch iSMP

mPOS Solution in the Nordics
Ingenico has completed a deal with PayEx and
Open Solution to deliver iSMP, a fully
integrated on-the-go mobile payment solution
in the Nordics.
The iSMP-based solution turns an iPod or
iPhone into a Chip & PIN PCI approved mobile
payment solution, and enables the seller to
receive secure payment on-site to boost cashflow and deliver a more convenient service to
customers.
The solution targets the Nordic retail and
transportation sectors, both of which have
increasing requirements to complete payments
on-the-move, and will increase the range of
PayEx terminals in use across the Nordics.

Jose Luis Arias, Managing Director at Ingenico Northern Europe and Iberia commented: "This
deal highlights Ingenico's continuing aim of working with partners to deliver fully integrated mobile
payment solutions to businesses. More customers are looking for payment solutions that are not
only secure, but also provide them with innovative solutions to help improve the efficiency of their
sales.
Lisa Forsstrm, Sales Manager for PayEx in Sweden, said: PayEx is the first and, so far, the only
supplier of this kind of up-to-date payment solution in the Nordic market. We help our customers
to deliver new and higher service levels to their customers.
Read more at Mobile Europe, Finextra, Ingenico or download iSMP Datasheets.

Payments Innovation Daily covered Ingenico Partners Ingogo mPOS for Australian
Taxis, Ingenico Ships Half a Million POS Terminals in Indonesia and Crdit Agricole
Selects Ingenico 3G MPOS.

30

6th March 2014

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VeriFone PAYware mPOS

Wins MPE 2014 Award
VeriFone Systems recently won the 2014
Merchant Payments Ecosystem (MPE)
Award in the mPOS (mobile point of sale)
category in Berlin for its portfolio of PAYware
Mobile solutions.
PAYware transforms smartphones and
tablets into completely secure mPOS devices
that can accept payments from traditional
mag-stripe cards as well as EMV and
contactless cards.
Leon Dhaene, Chairman of the MPE Awards said: The Jury appreciated that VeriFone
understood, as no other, that it is key to offer merchants of all sizes a handy mobile payment
solution that enhances their ability to enrich the shopping experience for consumers. The key
is that VeriFones solution can be used virtually anywhere, which enables the merchant to
make the most out of every interaction with customers.
VeriFone Global Product Management & Services VP Bill Nelson said: MPE recognises the
benefits of PAYware Mobile, which enable merchants of all sizes to experience mobile
payments and enhance the customer experience. These benefits along with the security and
scalability of the solutions are why we are seeing adoption of PAYware Mobile increase among
merchants, especially as focus on mobility continues to grow.
VeriFone expects see significant growth in new orders as banks and retailers rush to replace
their old POS systems with new EMV-compatible ones.
For further reading try The Motley Fool or read the Verifone Press Releases.

Payments Innovation Daily covered VeriFone mPOS deals including Omni-channel for UGG
Australia, NAB mPOS with Reckon, and Lilitab Self Service iPad POS Kiosk.

31

5th December 2013

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Crdit Agricole
Selects Ingenico 3G MPOS
French Bank Crdit Agricole has chosen Ingenico,
a payment solutions provider, to roll out 3G mobile
and contactless payment terminals to merchants of
Regional Banks and LCL network.
Crdit Agricole is the first banking group to offer
Ingenicos compact iWL250 3G mobile payment
terminal in France.
Yves Perrachon, Crdit Agricoles Cards & Payments Director of Operations said: Combining
mobility, availability, usability and security, the iWL250 is the solution we wanted to offer our
merchant clients. Contactless technology enhances the payment experience and adapts to new
types of consumer behaviour.
David Gebhardt, the managing director of Ingenico France said: Ingenico is very much in tune
with behavioural developments related to new payment methods. We support these changes by
offering comprehensive secure solutions that combine payment terminals and dedicated
applications. Our 3G offering met Crdit Agricoles expectations: it is a solution that goes above
and beyond traditional payment scenarios.
Read more at Ingenico.

32

33

Chapter 3:

Merchant Use Cases

34

13th May 2014

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Apple EasyPay Adopts

Verifone Shell for iPhone 5S
Apples retail stores are replacing their current iPod touch
mobile POS in their EasyPay system with iPhone 5s shell
made by VeriFone, according to 9to5Mac.
Forbes also reported that the new VeriFone shell includes an
area where a near field communications (NFC) receiver
could be installed.
Apples new POS system features several incremental upgrades, such as chip-and-pin cards
acceptance, RFID capabilities and enhanced PassBook scanning. The EasyPay POS software
has also been upgraded to work more efficiently with iOS 7 and includes an improved method for
handling personal pickup orders.
Apple has already deployed the iPhone 5s to a number of stores in the U.S. with further plans to
roll out across the country in the next few weeks. Apple is also planning to change the EasyPay
name and is asking employees to submit suggestions.
For further reading try Forbes, 9to5Mac, or Wall St. Cheat Sheet.

Payments Innovation Daily covered Apple Mobile Payments Intentions, and Apple Patents
iWallet Payments System.

35

5th May 2014

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Electrolux Technicians
Adopting Mint Mobile POS
Electrolux is launching a mobile payments solution for their
service technicians in Australia using the Mintegrate platform
from Mint Wireless. The service starts from June 2014.
The solution will equip Electrolux service technicians with a
secure bank-grade Chip and PIN card reading device. The
terminal will allow the technicians to accept card payments
on their Android smartphones and automatically reconcile
transactions with Electroluxs backend systems.

Alex Teoh, CEO of Mint Wireless, said: "Mint Wireless eliminates the complexities of reconciling
payments from customers and improves the cash flow of businesses as payments are credited to
their account on the next business day. Customers can also be assured that their card payments
are being taken on a secure and compliant device, similar to any device a consumer would use in
a retail environment."
David Lee, Electrolux senior corporate controller, said: "We have designed our appliances with
our customers in mind and we are now working with Mint Wireless to make the lives of our
customers easier by providing them with a hassle free option to pay wherever they are."
Read more at ARN, Ferret or Australian Manufacturing.

Payments Innovation Daily covered Free Mintegrate SDK for Mobile POS in Australia, MYOB
Launches PayDirect Mobile POS for SMEs, Square integrates with New Zealand's
Xero and Square Challenges Aussie Banks.

36

15th January 2014

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VeriFone Omni-channel
Solution for UGG Australia
Deckers Outdoors Corporation have
implemented VeriFones GlobalBay
Retailing solution at 40 of their Australian
UGG footwear retail outlets.
The solution enables store associates to
accept payments from the sales floor, with
iPad mini integrated 'PAYware' POS
terminals, bringing the power of omnichannel to the aisle to better engage
consumers and fulfill their requirements.
Gerard Marceda, VP of North America Retail for Deckers, said: We are not a technology
company, but we need to utilize technology to enhance the customers engagement with the UGG
brand. Our implementation of GlobalBay, which we call Infinite UGG, enables our associates to
have a deeper, more meaningful interaction with customers
Jeff Wakefield, VP of Business Development and Strategic Initiatives for VeriFone, said: With
VeriFone GlobalBay Retailing, sales associates not only have an opportunity to save the sale,
but to also leverage mobile technology to provide product details, images and relevant information
anywhere in the store
Read more at VeriFone.

37

20th December 2013

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iZettle mPOS for Eurostar

On-board Train Upgrades
Eurostar have partnered Swedish
payments processor iZettle for on-board
passenger upgrades on Eurostar trains.
On board staff will have iZettles Chip &
PIN readers which connect via Bluetooth
to their smartphones or tablets. In 2012
Eurostar processed over GBP 300,000
worth of upgrade sales through onboard transactions.
James Blackwood, GM, on-board services, Eurostar, said: "Using iZettles Chip & PIN reader we
can process upgrade sales more quickly, reducing the number of sales lost using slower, more
traditional methods of payment collection.
Jacob de Geer, iZettles CEO and co-founder, added: "The use of mobile payments by major
organisations such as Eurostar shows that mobile payments technology is now firmly part of the
mainstream."
iZettles services are compliant with EMV (Europay, MasterCard and VISA) standards and the
Payment Card Industry Data Security Standard (PCI-DSS). All data traffic is encrypted and no
sensitive data is stored on the mobile device or iZettle reader.
Read more at The Fonecast or Mobile Entertainment.

Payments Innovation Daily recently covered Global Payments EMV certified MPOS product in
Hong Kong. See also PYMNTS latest mPOS Tracker.

38

18th October 2013

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iZettle Mobile POS for Homeless

Publication 'Situation Sthlom'
Swedish payment firm iZettle is providing
EMV Chip and PIN mobile POS card readers
in an initiative with Stockholms homeless
publication Situation Sthlom.
The device allows homeless people to accept
card payments for magazine sales over
mobile phones.

Situation Sthlom produces a magazine sold by homeless people similar to the Big Issue in the
Australia and the UK. The initiative follows a one month trial with 5 sellers. The phones and card
readers are kept and charged at Situation Sthlms main offices, and are collected each day when
sellers pick up their magazines.
iZettle chief executive Jacob de Geer said it was extremely well received. All the phones were
returned safely and are still in use."
According to de Greer, Sweden is moving closer to a "cashless society" where barely anyone
below the age of 40 carries cash. The banks have done a great job with the card infrastructure
so that it is so robust, secure and trusted, that people dont really mind where they use their cards
these days with the chip.
iZettle released its first mobile payment solution in 2011 and has rolled out to nine markets
including seven in Europe, as well as Mexico and Brazil in South America. The UK is one of
iZettles strongest growth markets with thousands of card readers and accounts being set up
every month.
For further reading try The Guardian or Fin Extra.

39

16th October 2013

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Ingenico Partners Ingogo

mPOS for Australian Taxis
Ingenico has signed a partnership agreement with Australian taxi hailing and payments company
Ingogo. Ingenico will provide a smart phone sleeve that converts HTC One phones into EMV
compliant POS terminals. In addition to accepting payments from digital wallets the device will
enable payments from major credit and debit cards including chip and contactless card
payments. The service also includes integration of electronic receipts and automatic trip history
records for all completed transactions.
Ingogo'a founder Hamish Petrie (pictured) said it replicates the Cabcharge system at a fraction of
the cost. According to Hamish passengers are paying a 10 per cent surcharge for using credit
cards, of which up to 3 per cent goes to drivers. However, Ingogo users pay 8 per cent when they
use a credit card and drivers receive between 5 and 6 per cent from the start-up.

Ingenico Australia Managing Director John Tait said: "We are thrilled to be partnering with Ingogo.
The Ingenico secure payment solution provides a simple interface to expedite the payment in the
fastest possible way with the acceptance of contactless, NFC phones and wallets. We are proud
to support Ingogo, as they expand their operations nationally and globally"
The product launch follows a 30 day pilot with 250 cab drivers who processed $1 million in cab
fares. ANZ Bank has been the acquiring partner for the initiative.
Ingogo is one of several mobile hail-a-taxi services in Australia, including Uber and goCatch. For
further reading on the Ingenico partnership try the Wall Street Journal. ZD Net and The
Australian also have recent coverage. In other news Ingogo was announced the winner of a
start-up competition held at the conclusion of CeBIT Future of Payments 2013.

40

27th August 2013

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PCN Interview
Point of Pay on HOME EFTPOS
Rod Tasker, Associate, Payments Consulting Network interviews Michael Haines, Head of Sales
and Marketing from Point of Pay Pty Ltd who reveals how merchants can use HOME EFTPOS a
physically secure device designed for home use to reduce bank fees and eliminate fraudulent
chargebacks for internet sales.
Point of Pay is a Melbourne-based company with an impressive pedigree in EFTPOS terminal
design and development. Their devices have passed the rigorous security testing required for
Australian PIN processing, are EMV compliant, and support many communications
protocols. Point of Pay has further developed PoP Net, a sophisticated EFTPOS switching service
to facilitate rapid deployment of their secure devices.

Click here to watch the Interview - Rod

Tasker, Associate, Payments Consulting
Network interviews Michael Haines, Head of
Sales and Marketing, Point of Pay.

41

42

Chapter 4:

U.S. Market

43

29th July 2014

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Rumours Amazon to Launch

Their Own Mobile Card Reader
Amazon is reportedly to launch its own mobile card reader in the coming weeks in Staples stores.
According to 9to5Mac, Staples internal inventory documents indicate that an "Amazon Card
Reader" is being added to the company's stock alongside Paypal's "Here" mobile card reader and
Staples's own mobile card reader.
The site reports that it's marked as a $9.99 product and the system notes that signage related to
the reader should be held until August 12th. Amazon just launched a new Mobile Wallet app for
Android smartphones last week, and the upcoming mobile card reader will likely connect to that
software.
The source also reveals that Amazon's Lab126 hardware division is working on fingerprint-based
mobile payment systems based on Touch ID to verify payments.
Read more at 9to5Mac, PCMag, International Business Times or The Verge.

Payments Innovation Daily covered Amazon Integrates Twitter with #AmazonCart, Amazon
Kindle POS, Amazon and DoubleBeam Split GoPago Assets, and Amazon Launches 'Login
and Pay'.

44

31st January 2014

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Amazon Kindle
Based Merchant POS System
According to the Wall Street Journal, Amazon plans to offer brick-and-mortar retailers a checkout
system that uses Kindle tablets as soon as this summer, although plans remain fluid and the
project might be delayed, altered or cancelled.

According to the report Amazon could provide merchants Kindle tablets and credit-card readers at
a low price point and offer other services, such as website development and data analysis. This
follows on from moves by Amazon last year to acquire GoPago technology and engineers, in a
deal with DoubleBeam.
Richard Crone, chief executive of Crone Consulting, a payments advisory firm, said: "The game of
mobile payments is going to be won or lost at the physical checkout, that's where nearly all of
commerce is done today ... At the end of the day, a merchant wants to make a sale, to drive up
business. And if Amazon or anyone else can help them do that, that's tough to turn away."
Amazon holds credit-card information from more than 230 million users, exceeding PayPal's
142.6 million.
For further reading try Wall Street Journal or Tech Crunch.

Payments Innovation Daily recently covered the Amazon Acquisition of Gopago, asset split
with DoubleBeam, Amazon's Login and Pay and Coins Virtual Currency.

45

22nd April 2014

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Square Acquisition Rumours

According to the Wall Street Journal mobile payments start-up Square has been in discussion
with several rivals including Google, PayPal and Apple as the business looks to stem widening
losses and dwindling cash.
Square recorded a loss of about USD 100 million in 2013. Recently they have put IPO plans on
hold and have secured a line of credit of around USD 200 million.
TechCrunch suggests that Apple would be more likely to seal the deal with Square than Google,
and PayPal has denied having any acquisition talks with Square.

Square spokesperson told CNBC: "We

are not, nor have we ever been in
acquisition talks with Google, and while
we appreciate that Square may be an
attractive target for some companies, we
have never seriously considered selling
to anyone or been in any talks to do so.

Read more at The Wall Street Journal, Tech Crunch or CNBC video report.

Payments Innovation Daily covered Square Integrates with Xero in NZ, Square Market
Accepts Bitcoin Payments, Square Checkout at Whole Foods Market, Square
Challenges Aussie Banks and Square Considering 2014 IPO.

46

15th January 2014

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AnywhereCommerce
MPOS for Microsoft Surface
AnywhereCommerce, a global payments
technology provider, announced they have
joined the "Microsoft Designed for
Surface" third party development program.
Under this alliance, Microsoft will integrate
AnywhereCommerces mobile point of
sale (mPOS) solutions into Microsofts
Surface for retailers.
Mitchell Cobrin, founder and chief executive officer for AnywhereCommerce, said: The
integration of our mPOS solutions offerings into the Surface platform will help ensure that
Microsoft customers can fully leverage the growing interest that both consumers and merchants
are conveying for mobile commerce capabilities.
Cyril Belikoff, director, Microsoft Surface, said: Microsoft is very pleased to welcome
AnywhereCommerce to the Designed for Surface program, and to continue our relationship in
providing best-of-breed mobile commerce solutions for our customers.
Read more at Retail Solutions Online.

Payments Innovation Daily recently covered Mobile POS expectations for 2014.

47

25th December 2013

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PayAnywhere
Partner with MasterCard
MasterCard and PayAnywhere have formed a partnership to advance the ease and accessibility
of mPOS solutions. Under the agreement MasterCards Truaxis loyalty reward platform will be
integrated into PayAnywhere. This will give smaller retailers the ability to "offer create and
manage" targeted offers through the platform.
Marc Gardner, the CEO of PayAnywhere said: MasterCard has long been a driver of innovation
in the payments space and through this distribution agreement I expect we will truly move the
needle, driving understanding and adoption of this technology that will undoubtedly change the
face of retail as we know it.
Stephen Carnevale, senior vice president of MasterCard said: "This is the latest example of how
greater convenience is being delivered through merchants of all sizes to MasterCard cardholders
when they shop.
Read more at examiner.com.

Payments Innovation Daily covered PayAnywhere's integration with Paypal.

48

10th December 2013

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Square's Thinner Card Reader

A new credit card reader that is 45 percent thinner than
the current dongle has been introduced by Square.
The reduction in size is the result of a new chip
designed by Square and does not require wires or an
internal battery. The device gets its power from the
mobile device in which it is plugged.

According to Jesse Dorogusker, Square's head of hardware, one of the biggest sources of failure
for the current reader is related to the internal wiring. The new version of the reader is designed to
reduce the chances of dysfunction and enhance swiping accuracy.
Square's updated credit card reader is available now from the company's website and will be
hitting over 30,000 retail stores next year. The current model will be completely phased out by the
end of the first quarter of next year.
Read more at CNet or The Verge.

49

5th December 2013

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PayAnywhere Enables Paypal

PayAnywhere, a mobile payment provider, has
partnered with Discover Financial Services, a direct
banking and payment services company to enable
PayAnywhere merchants to accept PayPal Payment
cards at the point of sale from December 20.
PayAnywhere merchants will also be able to access PayPals rapidly growing customer base with
more than 55 million active customers in US.
Marc Gardner, CEO of North American Bancard, owner and operator of PayAnywhere, said:
Now, by offering PayPal acceptance, were not just allowing merchants to accept payments
whenever and wherever, were helping them grow their revenue opportunity through a whole new
form of currency exchange right on their POS devices.
Don Kingsborough, V.P. Retail, PayPal said: "Consumers are continuing to leverage technology
to shop in new ways and PayPal is excited to collaborate with North American Bancard to offer
their customers a frictionless payment experience.
Read more at PRWeb.

Payments Innovation Daily have recently covered the PayPal Digital Gifts Store Launch, and
KFC Fast Track Mobile Wallet Enabling PayPal.

50

27th November 2013

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ROAM G5X
New Mag Stripe Mobile POS
ROAM, a mobile commerce platform
provider, has launched the G5X secure
mobile card reader, a next-generation
hardware offering for the U.S. It is the first
magnetic stripe mobile card reader in the
world to obtain Visa Ready certification for
secure payment acceptance.
This new device can be installed as part of
ROAMs mobile point of sale (mPOS)
solution or integrated with an existing
mobile payment application.

Ken Paull, CEO of ROAM said: The G5X is the culmination of many months of development that
incorporate the very latest security features and to ensure compatibility with the widest possible
range of mobile devices. Were dedicated to providing our customers with innovative, future-proof
mPOS solutions that comply with all of the major payment standards used worldwide.
Read more at Business Wire.

51

19th November 2013

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US Smart Card Alliance

Payment Impact at Physical Stores
The Smart Card Alliance Payments
Council have released a white paper
"The Changing U.S. Payments
Landscape: Impact on Payment
Transactions at Physical Stores",
which looks at new payment
innovations and examines the impact
of the pending migration to EMV in the
US on these payment methods.
The paper provides insights on new
payment technology trends such as
NFC, mobile payment card readers (i.e.
dongles), tablet POS devices, geolocation, 2-D barcodes, ACH
payment, and remote ordering.

The report helps merchants to understand advantages and disadvantages of each payment
innovation and their potential effects on the traditional payments landscape.
Randy Vanderhoof, executive director of the Smart Card Alliance said "As the industry progresses
with secure EMV payments and new approaches that leverage mobile device technology,
merchants faced with infrastructure changes and POS system upgrades must develop their
strategy for deploying new technologies in-store."
For further reading try Smart Card Alliance or CNBC, or download the report.

52

8th November 2013

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Square Considering 2014 IPO

According to the Wall Street Journal, mobile payments company Square is exploring the
possibility of floating the company on the share market in 2014. Following the Twitter IPO last
week, a public listing of Square would be the second for CEO and Co-founder Jack Dorsey within
the space of year.
Square have declined to comment on the reports. However, the WSJ says the company has been
in discussions with banks, including Goldman Sachs Group and Morgan Stanley, about holding a
2014 initial public offering.
Square raised $200 million last year from Rizvi Traverse Management, in a deal valuing the
company at $3.25 billion. They have been expanding the management team and recently added
former Goldman Sachs CFO David Viniar to the board. Company sales are approaching $1 billion
for 2014 with expectations to start turning a profit in 2015.
For further reading try C|Net or the Wall Street Journal.

Payments Innovation Daily have recently covered the launch of Square Cash, Square's text
based P2P payments product for online funds transfer via mobile or PC.

53

29th October 2013

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PCI SCC Director

Discusses PCI DSS v3.0 Update
Computer Weekly has published commentary on PCI DSS v3.0 from Jeremy King, European
director of the PCI Security Standards Council (PCI SSC). The latest version of the Payment Card
Industrys Data Security Standard (PCI DSS) is expected to be released on 7th November.
According to the article updates will be less about introducing new requirements, and more to do
with raising awareness and education, increasing flexibility for merchants in adopting the
standard, and promoting shared responsibility.
Although PCI DSS involves a lot of IT and IT input, it is not only a job for the IT director. It does
need the buy-in from everybody in the organisation, said King.
Version 3.0 is up to date with the latest trends in attacks having been compiled with input from
penetration testing suppliers.
The emergence of mobile POS devices that connect to mobile phones for payment acceptance is
an area of concern. There are no specific requirements in version 3.0. However such devices are
part of the card holder data environment and must meet the requirements of the PCI DSS.
To review the full commentary click through to Computer Weekly.

Payments Innovation Daily covered the PCI DSS v3.0 Release, ISO Penalty Fees Pushing PCI
Compliance, and PCI DSS Compliant P2P Encryption Hardware.

54

55

Chapter 5:

European Market

56

29th May 2014

Share Article

SumUp Launches Chip & PIN

Card Reader in Europe
MPOS company SumUp has introduced their own chip
and PIN card reader called PIN+ for iOS and Android
devices in Europe. SumUp claims that PIN+ is the first
Chip & PIN device to offer users the choice between
Bluetooth Low Energy and a cable connection.

SumUp's card reader PIN+ will accept all major debit and credit cards, including Visa, VPAY,
MasterCard and Maestro. Transactions will be charged at 1.95% in the UK with no monthly or per
transaction fees. The PIN+ device is going on sale in Poland and Switzerland for 79 and will arrive
in the UK, Germany, Italy and Spain over the next few weeks.
SumUp also claims that they are the first company in the world to cover the whole payments
process including the Chip & PIN card terminal, Android and iOS mobile apps, and an EMV
payment platform. Most of MPOS companies such as PayPal, iZettle, Payleven or Worldpay do not
develop their own hardware. They all use a device from Miura Systems.
Daniel Klein, CEO, SumUp, says: "No vendor could have supplied us with a Chip & PIN device to
meet our strict criteria for reliability, design and security, along with a user experience that is so
intuitive that even merchants who have never accepted card payments before can start selling
immediately without having to read a manual."
Caroline Drolet, Head of Mobile Point of Sale at Visa Europe, said: SumUp PIN+ is precisely the
type of innovation that is needed to bring secure Chip & PIN mPOS technology to the wider public.
Patricia Bateson, Senior Business Leader at MasterCard, commented: The launch of SumUps
Chip & PIN device will help broaden and transform commerce opportunities for small merchants,
allowing them to grow their business.
For further reading try Finextra, Bdaily or startups.

Payments Innovation Daily covered Infinea BluePad Chip & PIN Readers, PayPal Here Chip
Card Reader in Australia, ROAM's New MPOS Reader Supports EMV Chip & PIN,
and EMVCo's Q4 2013 Worlwide EMV Adoption Statistics.

57

24th March 2014

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Payleven Announces
NFC Enabled Mobile POS
Payleven have announced plans to
launch an Near Field Communication
(NFC) enabled mobile chip and PIN card
reader into the European market in the
second half of 2014. Payleven was the
first company of its kind to release a chip
and PIN card reader, with an upfront fee
of 79 (USD 110) for the device.

The reader connects to the smartphone via Bluetooth and combines mobile chip and PIN
technology with NFC, allowing Payleven customers to accept contactless payments wherever
they are. The new version will be priced at around 100 (USD 139).
Alston Zecha, founder and COO of Payleven, said: NFC definitely has the potential to become
the market standard for contactless payments. However, until now the hurdle for SMEs has been
the huge cost associated with it. By launching our new device we will be offering a disruptive
solution that will help our customers to keep up with cutting edge technology, making their
business even more efficient with NFC.
Read more at Telecompaper, Mobile Entertainment, Gigaom, Finextra, Mobile Marketing
Magazine or Payleven.

Payments Innovation Daily covered Bi-directional NFC Enables POS in Asia Pacific.

58

24th March 2014

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Santander UK and iZettle

Slash Mobile Reader Cost
Santander UK and iZettle announced an
agreement to sell iZettle's chip-and-PIN
mobile point-of-sale readers to the bank's
current business account customers at a
discount for 59 (USD 70), down from the
retail price of 99 (USD 117). Clients get a
discount on the chip-and-PIN mobile POS
reader and a 100% cash-back offer after their
first transaction on the device.

Robin Foale, Managing Director of Business Banking at Santander UK said: "This offer enables
us to give our business customers an even lower cost solution that will help make payment
processing easier and ultimately help their business to flourish and grow."
Jens Munch, iZettle UK MD announced: "We are thrilled to be able to partner with forwardthinking banks like Santander who recognise the significance and importance of empowering
SMEs who, after all, are the lifeblood of our economy."
For further reading try Mobile Payments Today, Finextra, PYMNTS, Yankee
Group, Santander or iZettle.

Payments Innovation Daily covered iZettle's iOS Payments SDK, Mobile POS for Homeless,
and for Eurostar On-board Train.

59

26th February 2014

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Visa Europe
Mobile Payments Partnerships
Visa has doubled the availability of mobile payment services across Europe in the past 12
months, partnering with players across both the Mobile and Payments industries in several
markets across Europe.
Some highlights of the last twelve months from Visa Europe include:

Europe's largest commercial mobile contactless payments service confirmed to launch in

Spain via Caixabank, Vodafone, Orange and Telefonica in Spain.
The successful launch of Vodafone's SmartPass mobile payments app in Spain and
Germany, with the UK and Netherlands due to launch from spring 2014.
Orange Cash avec Visa launching in France, making mobile contactless payments
available to Orange customers.
Millions of credit card users in Turkey gaining access to NFC payments through Visa
Europe's work with Garanti Bank and Turkcell.
A new partnership with Telecom Italia, which will lead to the launch of exciting new mobile
payment services across the Italian market, later this year.
100% increase in the number of merchants signing up for Chip and PIN mPOS, bringing
the total number of merchants to over 30,000 across 18 markets.

Visa Europe director of mobile, Mary Carol Harris said: "Today across Europe consumers have
access to a wide range of mobile services. We've worked alongside an incredible set of partners
to double the availability of mobile payment services across Europe."
Christian Wirtz, Vodafone Group mCommerce Director, said: "We are delighted to see mobile
payments gaining momentum across Europe and we are excited to see what the future holds for
our partnership with Visa to put mobile payments services in the hands of our customers."
For further reading try Finextra or Visa Europes News.

Payments Innovation Daily covered VISA Europe 2013 Annual Report, V.me in
Australia, PayWave achieve 1 Million Transactions in New Zealand.

60

26th February 2014

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UK Launch for Barclaycard

Anywhere Mobile POS
Barclaycard has unveiled plans to launch an EMV compliant
chip and PIN based mobile POS solution in the UK in spring
2014 dubbed Barclaycard Anywhere, which will enable SMEs
to take on-the-spot payments. The solution will also target
large enterprises with mobile sales forces, allowing them to
take payments quickly and easily on the road.
The Barclaycard Anywhere reporting system allows users to
keep track of transactions wherever they are, via their mobile
app or secure online portal. This gives instant, visual access
to payments trends, sales performance and other crucial
business intelligence.
Paulette Rowe, Barclaycards Managing Director of Global Payment Acceptance, said: We
wanted to create a solution that was ideal for both SMEs and for large enterprises with mobile
work forces. Security, speed, ease and cost are key concerns for all businesses, whatever their
size, so these were our main considerations when we developed Barclaycard Anywhere. Our
simple, low-cost, secure solution will enable many more small businesses and large enterprise
sales forces to accept secure card payments on the move, helping them increase sales."
Barclaycard processed GBP 254 billion worth of payments in the UK in 2013 for 35.5 million
customers.
Read more at The Paypers, Finextra, Bobs Guide, Mobile Payments World, or Barclays
Press Release.

Payments Innovation Daily previously covered Barclays Bank Customers Going

Mobile, December 2013 MPOS Tracker.

61

25th February 2014

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ROAM's New MPOS Reader

Supports EMV Chip & PIN
ROAM, an Ingenico company have
expanded their mPOS solutions to
include chip & PIN acceptance with the
RP750x mobile card reader.
This new cloud-based solution supports
all mobile card acceptance types:
magnetic stripe, NFC, chip & sign and
chip & PIN. The company will
demonstrate the new RP750x
during Mobile World Congress 2014.

The RP750x features include:

Compliant with standards (PCI PTS 3.1 with SRED, EMV Level 1 & 2, Visa Ready).
Connects with tablets, smartphones and other phones via Bluetooth or audio jack.
Backlit display, EMV PIN pad, magnetic stripe, smart card, and NFC reader.

Ken Paull, CEO of ROAM, said: With the launch of our RP750x chip & PIN solution, were now
covering all of the bases of global mobile payment acceptance for new mPOS players. Launching
the ROAMmcm 5 payments engine in January laid the groundwork for supporting international
mPOS deployments, and the RP750x is the latest piece of the puzzle enabling EMV mobile card
acceptance across the globe.
Read more at Business Wire, ROAM or download product sheet.

Payments Innovation Daily covered various ROAM's products include G5X New Mag Stripe
Mobile POS and Mobile Commerce Manager.

62

27th January 2014

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iZettle's iOS Payments SDK

IZettle have introduced a software development kit (SDK)
that enables merchants to bypass the iZettle app, instead
connecting their card payments service directly into their
own mobile apps.
The SDK is initially only for iOS apps and will come to
Android later this year. The SDK is available in all nine
countries including Sweden, Norway, Denmark, Finland, the
U.K., Germany, Spain, Mexico and Brazil, in which iZettle
operate today.

Taxi 24/7 CEO Zeryab Cheema said: "Customers increasingly use our app to book their journeys
and the recent addition of a payment option thanks to the iZettle SDK has really helped boost
customer satisfaction and repeat business."
For further reading try iZettle, Tech Crunch or Finextra.

Payments Innovation Daily also covered iZettle mPOS for Eurostar On-board Train
Upgrades and iZettle mPOS for Homeless Publication 'Situation Sthlom'.

63

22nd January 2014

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Emerge Mobile Ready

for African mPOS Expansion
South Africa-based Emerge Mobile is
ready to provide mPOS systems for
SMEs across Africa and other emerging
markets after achieving PCI PTS
(Payments Card Industry PIN
Transaction Security) and EMV Level 1
and 2 certifications for its mPOS card
acceptance solution.

Emerge Mobile's mPOS solution consists of a card acceptance platform, web portal, native
smartphone merchant applications and a hardware adapter that is attached to a smartphone. The
company said its system is the first fully South African designed, engineered and manufactured
end-to-end mPOS system to achieve this level of international security certification.

Matt Putman, Emerge Mobile's managing director, said: "We are positioning ourselves in the
international market in two ways. Firstly we can white-label our solution to look and feel like our
acquiring client's brand, after which we provide services to maintain and upgrade the platform on
an ongoing basis. Secondly we can enable clients, through joint ventures or consultancy services,
to launch their own new consumer-focused mPOS brand into the market."

For further reading try ITWeb, MobilePaymentsToday or EmergeMobile

Payments Innovation Daily recently covered Mobile POS Gaining Traction in 2014.

64

9th January 2014

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Infinea BluePad
Chip and PIN Readers
Infinite Peripherals (IPC) have introduced
the Infinea BluePad, a Chip and PIN mobile
payment solution compatible with iOS and
Android. The device includes PIN entry,
smart card and magnetic stripe readers and
uses Bluetooth to pair with smartphones or
other companion devices to facilitate
payment transactions.
The Infinea BluePad can operate either as a
stand-alone mobile device or as a
companion to IPCs mobile peripheral
devices, including the Linea Pro and Infinea
Tab, which work with Apples iPod touch,
iPhone and iPad.

Bluepad is available in the US, Canada, Europe and some Latin American countries. A Near Field
Communication (NFC) version will be available in 2014.
For further reading try Business Wire and Infinite Peripherals

Payments Innovation Daily recently covered Global Payments EMV certified MPOS product in
Hong Kong. See also PYMNTS latest mPOS Tracker.

65

11th November 2013

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Orange Open Innovation Platforms

During its hello! 2013 show in France, Orange CEO
Stephane Richard announced several co-operative
initiatives Orange are undertaking to leverage their
global presence and expertise in mobile networks.
Orange will be partnering with other third party industry
players on a number of new consumer services in the
areas of mobile payments, location services, health
care, and the connected smart home.

Orange Cash: Just released in France with Visa PayWave, a mobile wallet product using NFC for
payments and to exchange money between two parties, leveraging their Orange Money mobile
remittance service which is already available in some African countries.
Paiement Pro: Launching in France, a mobile POS device directed towards small or individual
business to receive payments anywhere.
Ma Ville dans ma Poche: Location based services using artificial intelligence and big data to
match merchant offers to targeted consumers who share an interest and are in the vicinity.
Otherwise booking tables at restaurants or using NFC to tag advertisements.
Connected Health Center: Making customers medical history available anywhere online via a
sim card based security layer in combination with a doctors medical card.
Connected Home: Leveraging existing set top box user base for further smart home initiatives,
initially starting with surveillance, intrusion detection, and web video monitoring.
Orange is opening up its network to third parties with industry partnerships, invitations to
developers, and an incubator program, based on its Orange Fab project in the US, which is now
being rolled out in Europe starting with France.
Telcos are well positioned to deliver such innovation with high level security though the sim card,
their monetisation model around the service and not the content, and their huge network reach.
Stephane Richard said: "We enjoy many advantages: we embody mobility in a world where the
smartphone has a central place in our lives, on the other hand, we have an element essential to
the security of transactions the SIM card, as sure as the chip in our credit card."
Read more at NFC World, Rude Baguette or the Orange Press Release. You can also watch
the full 85 minute replay. Note you can toggle to English on the Orange website (check top right).

66

22nd October 2013

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Apple Now Retailing

WorldPay Zinc mPOS in UK
WorldPay now has retail agreements in place with
37 Apple stores in the UK to sell their WorldPay
Zinc Chip & PIN mobile POS devices which are
targeted at the UKs 4 million micro businesses and
sole traders. The device works with iPhone, iPod
and iPad apps with recent optimisation for larger
displays, and also works with Android devices.
The WorldPay Zinc keypad is retailing for
59.99. There is a 2.75% per card payment but no
long-term contract commitments or monthly
subscription fees. The service works with Visa and
MasterCard and offers settlement usually within
four business days.
Geraldine Wilson, managing drector of WorldPay Zinc, said: Since we launched WorldPay Zinc
in June, weve been overwhelmed by the breadth of different people and types of businesses
using the service. Weve seen WorldPay Zinc being used at music festivals, at foodie and art
fairs, at home jewellery sales, and by mobile locksmiths, plumbers, creative designers, nail
technicians, dog walkers and many other people who would previously have been restricted to
taking cash and cheque payments.
WorldPay Zinc service has been available online or via the WorldPay Zinc App since the keypads
launched in June 2013. For further reading try Retail Times.

67

29th August 2013

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Caixa Launches mPOS in Spain

The first mPOS solution developed entirely by a Spanish financial institution has been released
by Comercia Global Payments, a joint venture between the U.S.-based Global Payments Inc.
and CaixaBank.

The product uses a smart phone for payments collection and streamlining epayments and is
targeted at small business such as self-employed professionals.
The system requires downloading an application to the smartphone which communicates with a
small card reader with PIN pad provided by Comercia Global Payments.
Click here for further reading.

68

25th August 2013

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PayPal Here
Launches Chip & PIN Mobile POS
Paypal has released its Paypal Here
Mobile POS Chip and PIN reader in
the UK which is selling for 99 per
unit. The unit is purchased after
downloading their mobile payment app
and communicates with the phone via
Bluetooth.

For domestic transactions Paypal then charges a 2.75% transaction fee for every accepted Chip
and PIN payment, consistent with PayPal Check in, or 3.40% plus 20 pence for mag stripe or
manually keyed transactions.
PayPal Here was launched in the US last year for mag stripe payments only. The US unit is a
thumb-sized reader that plugs into a smartphones headphone jack. A British team was also
deployed to create the Chip & PIN version for the UK and other markets.
Director of mobile merchant services at PayPal UK, Narik Patel, commented "A dedicated team
based in Richmond has been working on PayPal Here for over a year now. It's been entirely
designed to suit the needs of British businesses. SMBs don't want the commitment of monthly
fees and contracts for a card reader but being able to take card payments can make a big
difference to their business"

Other than the Paypal website itself,

Tamebay includes a video demonstration of the new
Paypal Here Chip & PIN reader. For further reading
try Tech Week or v3.co.uk

69

70

Chapter 6:

Australia & NZ Markets

71

29th April 2014

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CommBank Unveils
Emmy Mobile POS Terminal
Commonwealth Bank of Australia will
unveil Emmy, a mobile POS terminal that
allows small businesses to accept card
payments through tap-and-go contactless
payments as well as encrypted chip and
PIN code. The small, brick-like terminal
will connect to an iPhone via Bluetooth, for
taking payments while out of the offices
and creating invoices.

Capgemini director Phil Gomm, said there were a host of US and other companies likely to
venture into Australia in coming years but they would face continued competition from the major
banks: [Australia] is very attractive to international providers because of the rapid take-up of
handsets weve had, but were historically proven to be very strongly wedded to trusted service
providers, being the four major banks.
Adam Bennett, CBAs executive general manager of local business banking announced: While
this is a hotly contested and ever changing market were very confident this will be market-leading
and provide a complete proposition for small business customers to meet their key day to day
business needs,
Emmy will be available from June at AUD 30 a month, plus a 1.5 per cent commission when
payments on the device exceed AUD 1,500 a month.
Read more at Australian Financial Review.

Payments Innovation Daily recommended reading:

Quest Launches Bluetooth Mobile POS in Australia

PayPal Here Chip Card Reader Launched in Australia
Square Plans for Australian Launch
Free Mintegrate SDK for Mobile POS in Australia
NAB, Reckon and Verifone Deliver Integrated Mobile POS.

72

4th April 2014

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PayPal Here Chip & PIN

Reader Launched in Australia
PayPal Australia is rolling out the next generation of PayPal
Here include a secure, chip and PIN credit card reader and
mobile app. The Australian launch following the introduction in
the UK in 2013.
Andrew Rechtman, PayPal Australias senior director of SMB,
Retail and Strategy, said PayPal had been trialling a similar
device in Australia since March 2012 with a few thousand
people, but without the chip reader.
Rechtman commented: It will be fully chip and PIN compliant and paired to a smartphone by a
secure Bluetooth connection. Were following the lead of the market. Its a requirement that is
going to be in the market for all transactions.
However Rechtman stated that the new device does not have contactless capability, which has
been taken up in Australia faster than most markets, because the technology is too expensive at
this stage.
PayPal Here will be priced at a one-off charge of AUD$139. There will be no monthly subscription
fees. However, PayPal will charge transaction fees at 1.95 per cent for credit card payments via
the card reader, and 2.9 per cent + 30 for credit cards keyed in to the app without use of card
reader. They will also charge 2.4 per cent + 30 for invoicing.
For further reading try The Australian Financial Review, Startup Smart or IT Wire.

Payments Innovation Daily suggested reading:

PayPal Australia Secure Insight Update

PayPal Australia SME Digital Literacy Campaign
Square Plans for Australian Launch
Free Mintegrate SDK for Mobile POS in Australia
NAB, Reckon and Verifone Deliver Integrated Mobile POS

73

24th March 2014

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Australian POS Terminal

Upgrades Post Signatures
With signature based card payments being phased out from 1 August 2014, approximately
800,000 point of sale (POS) terminals in Australia will need a software update. There will be no
change to online transactions or contactless payments.
According to Russell Zimmerman, Australian Retailers Association executive director, restaurants,
pubs and cafs are among those who will most likely notice the elimination of signatures because
patrons are often presented with a bill at their table.
Zimmerman announced: Business owners, merchants, retailers and the like should embrace this
change as its about reducing fraud, thus saving time and money. In some cases, these
[hospitality] retailers may need to upgrade to mobile terminals to continue receiving payment, and
tips, in a normal manner.
According to MasterCard Australia country manager Andrew Cartwright, the change is designed
to reduce fraud caused by use of lost or stolen cards. He said that fraud costs the payments card
industry in excess of AUD 35 million per year in Australia.
Read more at Computerworld Australia.

Payments Innovation Daily previously covered Signatures Phased Out in Australia.

74

4th February 2014

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Square Challenges Aussie Banks

Australian banks have warned Square that it will face a big task in cracking open the local market
for mobile POS transactions.
Westpac head of innovation and implementation of global transactional services, Mike Baldwin,
said: We are absolutely prepared in the mobile payment space. It didnt surprise us, as we
expected them to announce that they were coming to Australia at some stage,
National Australia Banks GM of customer payments and processing, Stephen White said: There
is an increasing preference in Australia to use chips in the cards rather than magnetic stripes and
I dont think Square can handle that at the minute ... we have got a pretty long history with our
people and we think we are going to be taking the right steps in that direction. NAB personal
banking division will be bringing out its own mobile POS product this year.

Commonwealth Bank spokeswoman Siobhan Quinn said: The launch of our NFC-enabled
CommBank app and PayTag, plus the continued expansion of real-time solutions for merchants,
with Pi, Albert and Leo, are revolutionising the point-of-sale experience ...
Mint Wireless said it was in talks with three of the four big banks to launch a Square-like
smartphone accessory that allows small businesses to accept credit-card payments.

Read more at Australian Financial Review.

Payments Innovation Daily recently covered Square's Australian Launch, Possible 2014
IPO, NAB, Reckon and Verifone mPOS, and Mint Wireless mPOS plans.

75

29th January 2014

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Square Plans Australian Launch

Square has begun preparations to launch
in Australia. The move would mean a
major new disruptive player in the local
payments industry.
The move comes ahead of Reserve Bank
of Australia's NPP plans to build a new
inter-bank hub, aimed at making
innovation in payments more feasible.

Square was recently rumoured to be valued at USD 5 billion, having had significant success in the
US where it has become well-known for offering businesses cheap and simple ways to process
electronic payments.
Ms Brooklyn, Squares San Francisco-based director of product communications and marketing
said: It is also about creating the right sort of relationships and making sure that we have all of
the partnerships that we need to make accepting payments really easy, simple and affordable.
Read more at The Australian Financial Review

Payments Innovation Daily previously covered Square 2014 IPO Plans, Mobile Merchant Case,
and the Thinner Card Reader.

76

5th November 2013

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Tappr Raises $2 Million

for Juvo Contactless mPOS
Mobile payment start-up Tappr has raised a further $2 million in seed capital from private equity
investors in Melbourne and Florida for accelerating development and compliance of its Juno
mobile POS system for a planned product launch early in 2014.
Tappr has developed a mobile credit card acceptance device and app called Juvo, which enables
small or mobile businesses to accept contactless payments from smartphones and tablets. The
company has filed a provisional patent on the process and developed a detailed business and
marketing plan.

Tappr is currently in negotiations with the big four Australian banks and a few smaller financial
institutions about the final hurdles it will need to overcome to meet PCI and EMV compliance for
the Australian market.
Co-founder and chief executive Brett Hales said: Its an emerging market with a lot of key players
internationally and there is a big reason why no one has jumped in the Australian and Asian
space yet. The big four banks control the space in Australia, and there is a steep set of
regulations and compliance issues around the payment area
Tappr previously raised $420,000 from seed investors and a research and development grant
from the Australian Taxation Office. For further reading try Startup Smart.

77

24th September 2013

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Mint Wireless Shares Rocket Higher

Australian listed mobile POS company Mint
Wireless has seen a 672.7% increase in its
share price in the last two months to
$0.17. The share rally comes as Mint
recently signed a distribution contract with
the Bank of New Zealand and has indicated
it is seeking to accelerate growth in
Australia as well as the UK and Europe.
The Mint Mobile POS solution accepts EMV
chip cards as well as magnetic stripe cards,
making it compliant with the stricter
payment markets of Australia, New
Zealand, and European markets.
Competing mag stripe only dongles were
designed for the US market and do not
meet the EMV requirements. However
competition is heating up with Reckon Pay
and the likes of PayPal also having
released a chip based mobile POS device
in the European market.

Mint reported revenues of $960,457 for the financial year ended 30 June 2013, up 217%. For
further reading on the share price jump try Pro Active Investors Australia.
Payments Innovation Daily has also covered the Bank of New Zealand deal.

78

11th September 2013

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BNZ launches
PayClip Mobile POS from Mint
The Bank of New Zealand has launched PayClip, a New Zealand-first technology that will enable
small businesses to use their phones to accept credit card payments on the go. Pricing is
expected to include a $10 monthly rental fee and 3.25% transaction fee.

The device is a matchbox-sized gizmo that plugs into the audio jack of most smart devices. An
application allows merchants to accept payments from chip and mag-stripe scheme cards. Early
next year BNZ plans to upgrade the devices with a "dongle" that also accepts eftpos and
contactless payments.
The product was developed by Australia-based Mint Wireless. BNZ is the first, but Mint head of
projects Chris Hawker expects others will follow.
For further reading try stuff.co.nz, Geekzone or Tech Day.

79

3rd September 2013

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Mint Wireless Seeks

Alignment in Australia and NZ
Mint Wireless has announced the launch of a
PCI compliant mobile payments platform with a
more competitive pricing structure, to be released
in Australia and New Zealand in October
2013. The new pricing structure alleviates the
burden of upfront costs on merchants and
provides incentives to developers.

The platform is modular and scalable allowing integration of card payments across multiple
mobile devices and platforms for developers, small businesses and large corporations. There are
three main components;

Mintegrate, Mint Developers Program: Mint Wireless offers free software developer kits
(SDKs) and Application Programming Interfaces (APIs) for third party integration
partners.
Minterprise, Mint Custom Solutions: Offers a flexible and highly customisable corporate
payments solution from white label to fully branded and customised integration.
Mint mPOS: Australias first card-present payment solution for iOS and Android devices
for merchant acquiring.

The retail offer is supported by partner Bendigo Bank as the merchant acquirer. Enterprise
customers can use alternative acquiring solutions.
Alex Teoh, CEO explained to IT News that Mint is seeking alliances with banks, telcos, airlines,
manufacturers, retailers and ERP software companies, versus the more competitive challenger
approach of Tyro. Last week Tyro revealed a maiden full-year profit of $3.3 million after six years
in the market. For the same period, Mint Wireless posted a $3.41 million loss.
Mint Wireless estimates the value of mPOS transactions in Australia will reach US$7 billion in
2014 and US$20 billion in 2016. According to the Annapolis Consulting Group, the number of
companies using mPOS devices globally will grow to 18 million by 2017, an increase of 225%.
For further reading try CFO World and for further
explanation from Alex Teoh, IT News. The
Australian includes coverage on recent senior
management appointments.

80

14th August 2013

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CBA Tech Strategy Pays Off

Forward Focus is Mobile
The Commonwealth Bank of Australia's strategic focus on technology investment has paid off,
delivering AU$7.8 billion profit in 2013 results released Wednesday. Performance indicators
announced by CBA showed key growth across mobile and online banking with:

Business banking: since the March 2013 of the CommBiz online and mobile service,
there have been over 2,000 activations and 36,000 log-ins
Australian mobile payments: the Kaching app now had more than 1 million downloads
and has handled over AU$9 billion in transactions
New Zealand mobile payments: sister bank ASB saw an increase of mobile users by
250%, and mobile apps account for over 50% of its online access

6 years of technology product initiatives rolled out. Credit: 2013 CBA Analyst's Presentation

According to the AFR, CBA's chief executive Ian Narev will now centre on developing new mobile
products. The analyst presentation also showed that looking forward:

81

In-store payments: focus is shifting to mPOS, where the "Pi" operating platform has
been launched for developers to integrate into existing POS/inventory systems,
contactless smartphone case "Leo" is currently in rollout, and mobile tablet register
solution 'Albert' pilot will be coming soon.
Branch network: Video conferencing has been rolled out to 1,016 branches in the past 6
months, and will be extended across the network.

Banking Day also highlighted that POS volumes have risen from 700 million in 2003 to 1.2 billion
in 2013 to June, showing that with retail transaction banking results point-of-sale is where the
growth is.
Read the full story on ZDNet and
results analysis on AFR, or go to
CBA's investor's centre for the 2013
earnings release and download the
CEO Analyst Presentation (PDF).

82

25th July 2013

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Mint Wireless
Ready for Australian Merchants
Mint Wireless is now ready to become a merchant acquirer in Australia with their mobile payment
solution MintPay, which includes an app and a 'chip and PIN' card reader that accepts all credit,
debit and eftpos card types - a first for a non-bank player and a real alternative to current
EFTPOS solutions.
Mint made the announcement this week that they have:

Completed Switch Interchange Certification between Mint and Bendigo/Strategic Payment

Systems for Australian processing compliance

Entered into a wholesale services agreement with Bendigo bank where Mint will be able
to set retail merchant service fee rates and earn a recurring margin for Mint originated
transactions

The Mintpay app and hardware communicates with Mint's payment switch to the SPS gateway,
for switching and authorisation, before sending to bank acquirer Bendigo for financial settlement.
Michael O'Shea, Head of Access and Payments at Bendigo Bank stated "We agreed to work
with and certify the Mint mobile payment solution because we saw that Mint and the Bank share
the same vision of providing innovative, meaningful and useful solutions and products to the
business community."
Mint has been in the Europe market since 2012 in partnership with Worldpay (customers include
airline easyJet) and in Malaysia since 2011 where it locked in a US$5 million agreement to deploy
3,000 'mobile airtime' terminals in Malaysia.
Read the official market
announcement on Aspect Huntley
by Mint (ASX: MNW) or press on IT
News and Telecompaper.

83

19th July 2013

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PayPal Ramps Up
Offline Payment Operations
In Australia, PayPal has forgone agreements with Australian banks and telcos, instead busy
working to build partnerships with offline point of sale merchants and partners to capture a share
of the mobile payment space.
"For these types of products to work well you need good merchant density" PayPal's head of
global payments Hill Ferguson told the AFR, who was in Australia this week. Citing Australia's
high (65%) smartphone penetration, he predicts that "its closer to 5 than 10 years" before
physical credit cards become obsolete.
The company announced that they will be in cafes, restaurants and bars nationwide, having
signed up partners mobile take-away ordering site EatNow (with a network of 2,000 restaurants)
and OrderMate hospitality POS provider (with a network of 1,000) according to ZDNet.
PayPal launched APIs in November 2012 and since have been working with POS vendors such
as Kounta, Micros, Island Pacific and Vend to integrate into current and future POS systems.This
contrasts with mobile payment trials in Australia, where to date they are complex profit and data
sharing models between banks and telcos.
According PayPal Australia MD Jeff Clementz, PayPal now has 5 million active Australian
accounts and over 90,000 Australian merchants that accepts its payment service online, offline,
and via mobile devices.
Read more on AFR,
ZDNet, CNet, The
Australian, Technology
Spectator, and the official
release from PayPal.
(image credit: PayPal case study at
Sonoma Bakery).

84

85

Chapter 7:

Asia Pacific Markets

86

1st April 2014

Share Article

Swiff Deliver mPOS for

McDelivery in Thailand
Mobile provider Swiff launched a new mobile
payment service with AEON Thana Sinsap and
McDonalds for McDelivery 1711 in Thailand.
Swiffs mobile Point of Sale (mPOS) solution
will enable customers using McDelivery 1711
to pay with a credit card when their orders are
delivered to them.
Mr. Yasuhiko Kondo, Managing Director, AEON Thana Sinsap said: Since the launch of AEON
Easy Pay built on Swiffs mPOS platform last August, we have seen a growing number of
consumers show preference for mobile payments. We are pleased that McDonalds is introducing
the first mobile credit card payment solution for their popular McDelivery 1711. Our goal is to
become one of Thailands major players for mobile point of sales services and our partnership
with McDonalds is the latest step in our journey,
Suvicha Nalita, country manager of Thailand for Swiff, said: "The payments industry is
continuously looking for options to address the need to replace cash on delivery. With our
technology, companies can enhance mobility, payments, convenience and productivity
improvements in their infrastructure and operations."
Swiff claim to be the first global quick service restaurant chain in Thailand using mPOS when they
deliver the orders to a customer's doorstep. Swiff mPOS platform was selected for being secure,
effective and complying to PCI standards.
Read more at Yahoo, Mobile Commerce Daily, Go Swiff, Swiffpay or Demo Clip.

Payments Innovation Daily covered McDonald's Mobile Payments in Singapore, Seamless

Wallet SEQR in Sweden, Chipotle Mobile Payments and Tweet-a-Coffee.

87

13th December 2013

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Global Payments & 1O1O

Launch mPOS in Hong Kong
Card payment processor Global Payments Asia-Pacific has
teamed up with 1O1O, a Hong Kong-based mobile
operator to introduce an EMV certified card reader which
turns a smartphone or tablet into a mobile point-of-sale
(mPOS).
The solution accepts Visa, MasterCard and JCB card
payments. It is compatible with both iOS and Android
devices, powered by 1O1O's 4G LTE network.

Paul Hodges, Executive Vice President, Corporate, Wholesale & International of CSL Limited
said: The new service offers a reliable and hassle-free payment for both merchants and their
customers, supported by our 24/7 customer service and professional consultation to ensure an
easy and pleasant purchase experience."
Konrad Chan, President, North Asia of Global Payments Asia-Pacific Limited commented: As
merchants continue to look for ways to grow their businesses and enhance customer service, this
new mobile payment service, combining Global Payments' world-class card processing expertise
with 1O1O's leading mobile telecommunications network, creates significant value for merchants
to accept card payments and expand sales beyond the conventional retail store environment."
For further reading try PR Newswire.

Payments Innovation Daily recently covered other MPOS products in the Asia Pacific
including Pogo> from First Data, Plug-n-Pay from Softspace, and products from NAB and
Mint Wireless. See also PYMNTS latest mPOS Tracker.

88

11th December 2013

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Ingenico Ships Half a Million

POS Terminals in Indonesia
Ingenico, a worldwide provider of payment solutions, announced that it has reached a new
milestone with half a million terminals shipped in Indonesia.
Ingenico Indonesia PT Director Andree Santoso said: Ingenicos leadership in technology and
solutions drives us to innovate and continually advance our offerings. With more than 240 million
people in Indonesia, we recognise that there is still significant scalable growth. We thank our
customers who have made this achievement possible.
Ingenico acquired PT Integra Pratama, an IT solution provider of Indonesia in 2012. Since then
Ingenico has further expanded their footprint across South East Asia.
For further reading try Ingenico or CiOL.

Payments Innovation Daily also covered Ingenico's deal with Crdit Agricole in France.

89

28th November 2013

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Thai Telco TOT Launches

JustPay Mobile Payments
TOT, Thailand's state-run telco will launch
JustPay mobile payment services next March
through their subsidiary ACT Mobile
Co. JustPay mobile wallet will enable Android
users to pay utility bills, while an mPOS
system will allow shoppers to use debit and
credit cards to pay retailers that use TOT's
iOS platform.
ACT CEO Apirak Preechayasomboon said: TOT's Just Pay app will provide three service
categories: mobile wallet, mobile point of sale and mobile information management and online
statistics reports.
TOT president Yongyuth Wattanasin said the move is an effort to position TOT as a "national
mobile payments gateway". ACT Mobile was established nine years ago, initially to provide TOT's
third-generation (3G) trial service on the 2100-megahertz spectrum with 500 base stations under
the Thai Mobile brand.
Read more at Bangkok Post, ZDNet or mobilepaymentstoday. You also can watch the promo
video here.

90

8th November 2013

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First Data's Pogo> Mobile POS

Hits Hong Kong, Singapore and Malaysia
Payment processors MasterCard and First Data Corporation
have entered an agreement to launch the Pogo> mobile
point-of-sale (mPOS) service in Hong Kong. The product will
be distributed by First Data Merchant Solutions, First Datas
direct-to-market merchant acquiring business. Pogo> will
also be available in Singapore and Malaysia.
Pogo> combines a merchants web-enabled smartphone or
tablet with a mobile application and secure mobile card
reader to create a point-of-sale (POS) device. The solution
enables credit and debit signature card acceptance
anywhere with wireless coverage.
Amrish Rau, general manager, First Data Merchant Solutions said: We feel that our deep
experience and knowledge of the global payment landscape, combined with the support of
MasterCard, our go-to-market partner, will provide value-added services for merchants such as
Prudential, our first enterprise client.
The first enterprise client for the product is The Prudential Assurance Company Hong Kong
(Prudential), who will be launching the service across its agency and bancassurance sales force.

First Data first introduced the

mobile POS solution in the US
market in 2012.
The company has been
collaborating with key financial
institutions including Sun
National Bank, First American
Bank, Mutual of Omaha Bank,
Associated Bank, First Bank,
IBC Bank, BancorpSouth,
Extraco Banks, and Mountain
America Credit Union.
For further reading try First Data. You can also download a product sales sheet (US).

91

24th October 2013

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Soft Space mPOS

Plug-n-Pay Hits Malaysia
Malaysian DiGi Telecommunications in collaboration with CIMB Bank has launched a new mobile
POS solution for Android phones called Plug n Pay designed by Soft Space. The start-up pack
includes a pocket-sized EMV card reader and an HTC Desire 200 phone.
Soft Space founder and CEO Chang Chew Soon said "This has been a much anticipated launch
and we are ecstatic as we finally get to mark our presence in our own country"

First cab off the rank, taxi services company Sunlight Taxi plans to equip 1,000 of its taxis with the
mPOS devices. The solution will be used in conjunction with their existing Unicablink Android app.
Renzo Christopher Viegas (top right), group deputy chief executive officer and head of consumer
banking at CIMB said: This type of service has become a necessity for businesses and fully
supports Bank Negara Malaysias push into the cashless space. We look forward to great things
from this partnership.
Albern Murty (center), chief marketing officer at DiGi commented: For us, we believe, as our
slogan says, in providing Internet for all, as it is a big driver for Malaysian society.

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CIMB Group CEO Dato Sri Nazir Razak

(pictured) said "Security is of utmost
importance to CIMB, and Plug n Pay is
no exception. It is fully compliant with
global EMV standards . . to reduce fraud
associated with the existing technology
to protect users during the payment"
For further reading try The
Star or Digital News Asia or
the SoftSpace Blog.

Payments Innovation Daily has previously reported on SoftSpace at the Asian ICT Awards and
their international growth plans. Soft Space has deals with Thailands KasikornBank for KMerchant on Mobile service for 50,000 partner merchants across all industries and more recently
Thanachart Bank, with further plans for Australia and NZ.

93

26th August 2013

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mPOS Start-up Soft Space

Advances to AICTA finals
Soft Space is a finalist under the Start-Up
category of the Asean ICT Awards, which
recognises the best achievements by information
& communication technology entrepreneurs in the
region. There are 5 categories and 15 finalists
have emerged so far.
The Malaysian company is valued at
approximately US$33 million and is present in
nine countries in Asean after just 17 months. The
start-up launched the first mobile Europay,
Mastercard and Visa (EMV)-certified card
payment platform in Asia-Pacific, with Kasikorn
Bank in Thailand.
The business is currently focused on rolling out the platform for the first time in Malaysia in the
coming months and is expecting to launch with several major banks in Vietnam, Australia and
New Zealand later this year. They have also received enquiries from countries in South America,
Middle East and Europe, and a number of acquisition proposals.
Soft Spaces founder Chang Chew Soon (left)
and Director of Strategy Chris Leong (right).
For further reading click through to The Star.

94

26th August 2013

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Veme E-pay Combination

mPOS + Charger for China
According to Tech Node a new mobile
POS reader called Veme E-pay is soon
to be released in China priced
between RMB 1000 2000 (approx
AUD $300). Veme was established by
a Shenzhen-based electronics
manufacturer in 2012 as a brand
focused on integrating different mobile
products into one.

Veme E-pay is a combination mobile phone charger and card reader. It is said to be smaller and
thinner than an iPhone 5. The mobile payments processing application will be driven by Lakala,
a leading digital payments service in China.
The product was being promoted at MacWorld Asia 2013. For further reading click here.

95

25th July 2013

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Modernisation Driving
Asian Payments Growth
Some macroeconomic payments industry trends recently updated and released from the Asian
Banker Research team:

China: the number of ATMs rose at a CAGR of 26.4% over the past six years to total
415,600 in 2012, as banks sough to meet customer cash transaction demands and POS
terminals rose from 800,000 in 2006 to 7.1 m in 2012 as bank cards
increased. Databook here.

South Korea: credit cards growth transaction slowed to 3.9% growth or $524.8m in
2012, driven by increased debit card uptake. Databook here.

Cambodia: credit and debit card volume grew at a CAGR of 24.8% to 1.3m in 2012, due
to changing spending patterns and advancements in e-banking. Perspectives here.

Vietnam: the number of POS terminals in Vietnam totalled 104,516 in 2012, and is
expected to reach 250,000 by 2015 under the government's non-cash payments
push. Databook here.

India: debit card volume India totalled 278m in FY2012, growing at a CAGR of 30%
from FY2007, as banks combined savings account openings with debit card
issuance. Credit card transactions in India grew to 19.6m in FY2013, a 10.8% YoY
increase, as banks targeted affluent customer segments. Databook here.

Philippines: Total number of banks in the Philippines consolidated, dropping 28% to

696 during 2004-2012, as the central bank encouraged M&A to streamline
efficiencies. Bankmetrics here.

96

97

Chapter 8:

Service Integrations

98

28th May 2014

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Smartpay Launches Till2Pay

Mobile Cash Register App
Smartpay, the largest New Zealand owned
and operated EFTPOS provider has
introduced Till2Go mobile cash
register app for iPad or iPhone devices.
Till2Go can be used as a basic point of sale
solution or used in tandem with the free
Smartlink app and connected to a Smartpay
EFTPOS terminal.
General Manager Product and Marketing, Mark Unwin, says Till2Pay will make life easier for
many small retailers as it will free up space and give them more functions than their tills. He
added: Till2Go means operators no longer have to keep manual sales records its all recorded
by the app so you can get real time sales information at the tap of a button. Its also easy.
Changing the till setup is as intuitive as any Apple app and no programming manual is required.
The app is also capable of issuing email receipts which allows easy capture of customer
information. It is aimed at operators such as market stalls, coffee trucks, pop-up shops, school
fundraising events and tradeshow booths.
Read more at Scoop, Smartpay or watch the promo video.

Payments Innovation Daily covered Ecommerce NZ (ENZ) Established, MasterCard and

Westpac Launch MasterPass in NZ, Mobile Payments Fraud Threatens Small Retailers in NZ,
and Payments NZ Cash Usage Report.

99

9th April 2014

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Shopify Launch
Integrated Mobile POS
Shopify are now pitching a mobile reader
integrated with a complete POS system,
with revised price point to compete more
closely with Square.
The card reader, which plugs into an iPhone
or iPad headphone jack, uses the Shopify
Mobile app to accept and process credit
cards and sends email receipts to
customers directly.
Adam McNamara, Shopify Vice President of Product said: Todays technology might be card
swipe whereas tomorrows might be mobile wallet, but we guarantee well be very responsive. As
technologies like Internet Banking Payments get rolled out more prevalently and Apple makes
their investments in touchless payments, I expect well quickly follow and do what we can to
smooth that process out as much as possible.

Shopify is also introducing some changes to its retail offerings, with lower transaction rates,
ranging from 2.7% on a Basic Plan, 2.4% on a Professional Plan and 2.15% on an Unlimited
Plan, using POS and the Shopify Mobile payments app and dongle.

Read more at Tech Crunch, Pad Gadget, Mobile Syrup, GigaOM, Shopify or view Demo Clip.

Payments Innovation Daily recommended reading:

MYOB PayDirect Mobile POS for SMEs

Swiff Deliver mPOS for McDelivery in Thailand

Square Plans for Australian Launch
Square Integrates with New Zealand's Xero
Square Considering 2014 IPO
Square's Thinner Card Reader

100

3rd April 2014

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Square Integrates
with New Zealand's Xero
Mobile credit card acceptance vendor Square announced a new integration with the New Zealand
based cloud accounting software provider Xero. The integration enables customers to link their
Xero and Square accounts and allow transaction data from Squares payments devices to be
integrated with Xero accounting systems.
Xero managing director Chris Ridd announced: One of the reasons that Square is interested in
Xero is the global context of what we are building. There are no firm dates or announcements but
certainly the intention is that Square has global aspirations, as does Xero, so the alignment is
very good.
Peter Karpas, Xero CEO North America, said: With a joint commitment to building beautiful
software solutions that are affordable and accessible to small businesses, Xero is thrilled to be a
part of Squares software partner platform. Like Square, we are always looking at ways of
enhancing our existing tools, with time saving at the heart, so this feels like the perfect
partnership.
Square's strategy is to make its service more useful to merchants, adding frictionless integrations
that could potentially extend its footprint. Square said its Japanese counterpart, Square Japan,
integrated with the accounting software free, enabling a data feed from sales to accounting.

Read more at Zdnet, Fox Business, CPA

Practice Advisor, BRW or Xero.
Also recommended, view an interview
with James Hutchinson, Technology Journalist
at The Australian Financial Review about Xero's
deal with Square.

Payments Innovation Daily covered Square Cash Email payments, Square Checkout, IPO
Plans, and Square Acquires Evenly Bill Splitting App.

101

3rd April 2014

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MYOB Launches
PayDirect Mobile POS for SMEs
MYOB recently launched their mobile
payments solution PayDirect as a limited
release to early adopters within the Australian
small and medium business community. They
have now also introduced the MYOB PayDirect
card reader that plugs into the audio jack of an
Apple iPhone or Android smartphone.
MYOB PayDirect turns businesses smartphones into quick, easy payments terminals and offers
deep integration with popular cloud accounting solution AccountRight so payments are
automatically entered into clients books. It also enables receipts and invoices to be delivered to
their customers on the spot.
The launch comes as New Zealand based competitor Xero also makes moves into the mobile
POS market in partnership with Square in the US.
MYOB General Manager Connected Services Andrew Birch said: "What Xero has done with
Square is quite different to what we have done with MYOB PayDirect. They allow Square
customers to take a set of transactions and put them into their accounting software, which is what
Intuit already does in the US."
MYOB's CEO Tim Reed comments: the new MYOB PayDirect app enables small business
owners to view and manage cash flow on-the-go. Business owners will also be able to take action
to improve their cash flow by issuing invoices, taking credit card payments and administering
receipts on the spot. Compared to the current process of returning to the office to generate
invoices at the end of the week or month and then waiting 30 days or more to get paid; MYOB is
accelerating the cash cycle dramatically.
Read more at PRwire, Zdnet, The Australian, MYOB or view Demo Clip.

Payments Innovation Daily covered MYOB PayDirect Launch in Australia and NZ.

102

18th March 2014

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Processing Point Launch

uAccept MobileSwipe in US
US based Processing Point has launched
uAccept MobileSwipe, a cloud-based
payment processing solution which allows
businesses to accept payments any time,
from anywhere, and from any device with
internet access.
MobileSwipe's features include an online
virtual terminal with tax, tips and discount
settings, plus integrated reporting options to
enable businesses to maintain detailed
transaction logs.
Dawn Berry, Processing Points spokesperson said: "As a thought leader in the payment
processing community, we did our diligence in making our solution different... and better. With
uAccept MobileSwipe, you'll find industry-low transaction rates, powerful and flexible software,
outstanding customer service and convenient 24/7 access to your data from any location with an
Internet-connected device."
Read more at Digital Journal, Prweb, MobileSwipe or uAccept Mobileswipe.

Payments Innovation Daily covered Square Plans for Australian Launch, Square's Mobile
Merchant Case and Card Reader

103

12th March 2014

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Skyauth Launch popuppay

with CreditCall SDK in Berlin
UK cloud commerce solutions provider
Skyauth has launched "popuppay" in
Berlin, a mobile POS service targeting
short-term-retailing applications. The
platform offers support for cash, card and
digital wallet payments, as well as stock
control, fulfilment, and an audit trail of
customer browsing history.

Working in conjunction with We Are Pop Up, a company which connects brands and businesses
to short-term retail commercial space across Europe, Skyauth will be providing eight pop-up
retailers within the Corio shopping centre in Berlin. Following the initial launch, the solution will be
rolled out to further Corio international shopping centres.
Skyauth developed the mPOS product to be a complete out of the box commerce solution for
small and pop-up retailers with the payment functionality provided through the use of the
CreditCall software development kit.
Sin Bosley, CreditCall's commercial director, said "The contract win by skyauth shows the
strength of choosing a third-party partner to provide payment functionality for markets such as
short-term retail."
Read more at Finextra, Retail Customer Experience, The Paypers, Skyauth website or
download CreditCall mPOS SDK Toolkits.

Payments Innovation Daily covered Free Mintegrate SDK for Mobile POS in
Australia, Amazon Kindle POS and iZettle's iOS Payments SDK.

104

14th February 2014

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Free Mintegrate SDK

for Mobile POS in Australia
Australia's Mint Wireless are now
marketing Mintegrate, a free Software
Developer Kit (SDK) and Application
Programming Interface (API) platform
for iOS and Android developers to
integrate mobile payments.
Mint Wireless chief executive, Alex Teoh, said: Having developed mobile payment solutions for
the market since 2007, Mint Wireless has built on our experience and heritage to deliver a bank
grade and industry compliant solution that will exceed the expectations of developers, their
customers and end users.
Mint estimates the value of mobile POS transactions in Australia will rise to USD 7 billion in 2014,
with the potential to grow to USD 20 billion in 2016. According to the Australian Bureau of
Statistics, there are more than two million small to medium enterprises representing almost 96%
of all Australian businesses, and Mint aims to grow its mobile POS market share through SMEs.
Read more at CRN, ARN or Mint

Payments Innovation Daily covered Mint Wireless mPOS, MYOB PayDirect, Aussie Bank
reactions to Square launch plans, and NAB, Reckon and Verifone mPOS.

105

12th February 2014

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MYOB PayDirect Launch for

Australia and New Zealand
MYOB has announced the launch of MYOB
PayDirect, a free mobile app for small
business which can take credit card
payments, send receipts and manage
invoicing and contacts. The product is
planned for a limited release in Australia in
Q1 and in New Zealand in the second half of
2014 on Android and iOS devices.
MYOB CEO Tim Reed commented: Our research shows one in 10 business operators already
take payments on-the-go but one in three say they would benefit from being able to. They could
significantly improve their cash flow, a top five SME pain point, by incorporating this solution into
their business taking payments on the spot and receiving funds in two days instead of in 30, 60
or 90 days.
MYOB planned to expand its MYOB Essentials line with two new programs. The Cashbook app
would be made available exclusively through MYOB partners for basic accounting needs. The
Accounting app would provide a more-featured version of MYOB LiveAccounts with an updated
interface and a broader network of third-party programs.
For further reading try BoxFreeIT, ZDnet or Myob's Press Releases

Payments Innovation Daily covered Aussie Bank reactions to Square launch plans.

106

22nd January 2014

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Lavu iPad POS hits Australia,

Europe and the Americas
Restaurant POS makers Lavu, based in
the United States, will be marketing their
popular Ipad POS in Europe, Australia,
and the Americas. Lavu currently
provides services to customers in over
80 countries with EMV compliant iZettle
Chip and PIN processing hardware.

Lavu's iPad POS system delivers payment, business management, and marketing solutions to
those in the restaurant, nightclub, and quick serve industries. Lavu provides support for multiple
major currencies and has 22 prefilled language translation packs.

Lavu can also handle the many different tax setups to meet various countries requirements,
such as varied tax rates on food versus alcohol, and other options involved when taxes are
applied to an order.
Read more at ITBusinessNet, or Lavu.

Payments Innovation Daily has previously covered iZettle mPOS for Eurostar Trains.

107

14th January 2014

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ROAM Launches Mobile

Commerce Manager in US
Ingenico subsidiary ROAM have announced that their new mobile payments engine, 'ROAM
Mobile Commerce Manager 5' (ROAM MCM5), is now available in the U.S. ROAM MCM5 is the
first EMV-ready enterprise mPOS solution that enables businesses to quickly deploy and centrally
manage global mPOS environments.
By supporting EMV-based transactions, such as chip & PIN and chip & signature, ROAM MCM5
enables businesses to address concerns about security and extend their mobile strategies into
new geographic markets.
Ingenico and ROAM have now extended their joint footprint for mobile payments services to the
US, Mexico, France, Belgium, Italy, Australia, Brazil, and Norway.
For further reading click through The Paypers, Ingenico, Ingenico's Press Release

108

6th January 2014

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Square Integrated
Mobile Merchant Case
Square has partnered with accessory
manufacturer Griffin Technology announcing
at CES the release of 'Merchant Case +
Square Reader' a case that integrates with
the popular mobile card payment system.
The case has been developed for iPhones.
Square has not yet developed external
accessories or stands for the Android,
although its reader does work.
When connected, the case eliminate swivel and excess strain on iPhones headphone jack. A
groove in the bottom of the case aligns with the Reader to guide the customers card with an
easy, consistent swipe. The card reader can also detach itself from the case and can be stored in
the back of the accessory for easy access.
For further reading try MacRumors, Griffin or TechCrunch.

Payments Innovation Daily recently covered Square's Thinner Card Reader, the 2014 IPO
Speculation and recent acquisition of Evenly Bill Splitting App.

109

18th October 2013

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Google Glass Prototype

Intuit Financials and Payments
Californian software company Intuit is
experimenting with Google Glass
payments and personal finance
management. The company has adapted
their GoPayment app to produce a
prototype that allows Google Glass users
to make credit card linked payments. An
adapted version of Mint also allows users
to view their financial information using
their smart glasses.

Aside from experimental applications with smart glasses, the Intuit GoPayment app uses mPOS
payment acceptance solutions integrated with its Quicken, Quickbooks and other products
targeted toward small businesses.
Cindy Osmond (pictured), a senior software engineer at Intuit said that just like when we had to
rethink desktop software for the mobile phone, we must now rethink mobile phone software for
even smaller devices like Google Glass, watches [and] fitness bands.
Other than Intuit, google glass payment concepts have also been developed by RedBottle
Design. RedBottle have developed Glass Pay which enables users to pay for items in-store
using Bitcoins. Payments Innovation Daily have previously reported on the LevelUp Google
Glass merchant POS concept which was noted for release in 2014.
You can watch a video demonstration of Intuits google glass functionality or for further reading
try International Business Times.

110

24th September 2013

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NAB, Reckon and Verifone

Deliver Integrated Mobile POS
Reckon, the accounting software
company, has teamed up with National
Australia Bank and Verifone to launch
Reckon Pay, a mobile POS solution for
smart phones that integrates directly with
Reckon One cloud based accounting
software.

Verifone is supplying the card reader and NAB will provide the merchant accounts for acquiring
transactions. The acceptance device is described as a cradle for the smartphone that can read
both magnetic stripe and chip cards, and support both PIN and sign, while meeting Australian
security standards.
The product is targeted at the mobile worker market, where their research indicates cash only
merchants suffer from negative perceptions and sales abandonment. Other than providing a
means for accepting payments in the field, the technology will also reduce book keeping
administration, including GST calculations, and assist in keeping track of sales data for providing
performance reporting.
The product was presented last Friday at the Reckon partner conference by Reckons strategic
director Daniel Rabie and Nathan Churchward, product manager, eCommerce and mPOS, from
NAB Business Banking. To read a more detailed summary of the presentation try Box Free IT.

In other news National Australia Bank has now released its mobile wallet product NAB Flik, which
will not utilise NFC for merchant payments. For further reading on this release try Business
Insider Australia.

111

17th September 2013

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Linked2Pay GPS Feature

Assists Field Staff Workflow
Transmodus have added a GPS feature
to their Linked2Pay mobile payment
product that detects when field staff
arrive at the customer premises. The
feature adds convenience to the
process. Field staff can tap their location
map on arrival to bring up payment
details and options specific to the job.

For businesses with multiple field staff the technology streamlines the workflow by capturing
actions through the mobile interface. This includes confirming payment, storing signatures,
emailing receipts, and updating the workflow systems of the business.
The product is targeted at businesses with delivery or on-site services. Certified linked2pay
gateway connections include: Vantiv, TSYS, Authorize.Net, and First Data. For further reading
about the new GPS features of Linked2Pay, try PR Web.

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113

Chapter 9:

Readerless mPOS

114

31st January 2014

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Flint Partner Program

for Mobile POS Card Scanner
Flint Mobile has launched a partner program
for ISOs, MSPs and ISVs. Flint claims to offer
its partners the only mobile payment solution
that eliminates the need for a card reader,
using the smartphone camera to securely scan
card numbers, and providing invoicing and
loyalty services through a single mobile app
and online merchant portal.

Thomas Nitopi, CEO of Fidano said: "With recent enhancements like integrated invoicing and
couponing, Flint is now enabling use cases not available anywhere else in the market, and we
expect that to make it even easier to sell to customers."
Flint co-founder and CEO Greg Goldfarb commented: "ISOs and MSPs serving small businesses
are looking to attract as well as retain customers who now have a range of mobile options that
bypass the traditional merchant services channel ... Flint provides partners with the market's only
all-in-one payment, invoicing and loyalty solution without requiring any hardware distribution."
Read more at Sacramento Bee or Flint Mobile.

115

9th December 2013

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Tantrum Street
Dongle-free MPOS in Dallas
Tantrum Street, a Dallas-based start-up, has developed
Cartwheel Register, a mobile app which enables small
merchants to scan payment cards onto a mobile device
instead of swiping them through a dongle. Cartwheel
Register includes number-recognition technology which
scans the card number without taking a picture of the card or
storing the information on the merchant's tablet or
smartphone.
A free trial of Cartwheel Register was launched in midNovember for 15 small merchants in Dallas. According to
William Cervin, Tantrum Street co-founder and CEO, all the
participants were already using payment acceptance
technologies such as Square, PayPal or traditional POS
integrated card-readers. They will all replace these payment
devices with Cartwheel Register.

Cervin said: "Initially, we will focus on rolling out the app nationwide in the U.S., but we're very
interested in international opportunities, given that we aren't supplying card-swipe hardware.
Obviously, we would need to set up partnerships with foreign acquiring banks."
Cartwheel Register app will only be available for iOS-based devices on the Apple App Store in the
first quarter of 2014. Tantrum Street also plans to develop versions for Android- and Windowsbased devices.
For further reading try Mobile Payments Today.

Payments Innovation Daily recently covered The MPOS Impact, forecasting the number of
MPOS terminals to increase from 4.5 million to 38 million from 2011 to 2017.

116

Conclusions
US market players like Square and PayPal have been quick to move in securing a strong foothold
in the worlds largest but less regulated market for mobile POS. Other players in Europe moved
ahead with EMV compliant chip and PIN solutions. Touted as a competitive advantage the
technology didnt prove to be insurmountable as PayPal quickly moved on to release Bluetooth
based Chip and PIN readers in Europe and Australia with Square not far behind them.
Major banks like the Commonwealth Bank in Australia have not been slow to release new mobile
POS products to protect and grow their share of merchant accounts. However there is a real SME
business need for integration and simplification of accounting and inventory systems across card
present and online channels. This appears to be the strategy of challengers like Square in forming
their alliance with New Zealand based accounting solutions innovator Xero.
Larger players like PayPal and Amazon have significant strategic advantages. Besides deep
pockets and network momentum they offer merchants a broader integrated service offering that
will no doubt prove more critical in the longer term than the hardware and compliance barriers.
At the higher end of the merchant spectrum large retailers are exploring the possibilities of arming
retail staff with mobile POS integrated tablets. Franchise businesses are also looking at solutions
to help them manage payments through substantial field staff networks. Advances in integrated
business intelligence and loyalty management are likely to be key differentiators that promise to
lift sales and profitability for early adopters.
The trend toward less complicated hardware also continues with new mobile POS solutions on
the horizon that rely entirely on existing smart phone capabilities without peripheral devices. So
far, incumbent merchant terminal providers like Ingenico and Verifone have stood their ground
releasing competitive mobile phone pairing solutions and higher end dedicated mobile terminals.
In the meantime prior generation tethered devices accumulate in warehouses.
The mobile POS market is expected to see strong continued growth, more sophisticated and
integrated merchant solutions, and further industry consolidation as the dust settles in the coming
year. As the story continues to unfold keep up to date with ongoing coverage in our FREE
Payments Innovation Daily newsletters.
If you have any feedback or you are interested in placing advertisements or contributing feature
content in this report or our next topic compilation reports contact our editorial team.

Regards
Payments Innovation Daily Editorial Team

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6th August 2014

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major channels; Linked In, Twitter, Google+ and Facebook.

Targeted Newsletter Placements

All of our social media articles are packaged into regular payments industry newsletters. The
newsletter already has close to 600 subscribers with a high concentration of senior managers in
the payments industry in Australia, New Zealand and the Asia Pacific. During your advertising
campaign you can place up to 3 advertising banners per week in the newsletters along with
inclusion of your own feature article content.

Contact us today for your FREE advanced copy of any topic compilation of interest. Review the
feature article content of the past year and judge for yourself. Download our Advertising Kit now.

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Placement in Annual Topic Compilation Reports

Payments Innovation Daily will soon be releasing a number of topic compilation reports covering
all of our best content over the 2013-14 financial year. These reports are expected to achieve
wide circulation beyond our current subscriber base. There are 20 different topics as listed.
Your advertising campaign includes half and/or full page advertisements as well as inclusion of
your own feature article content. All content is hyperlinked to original source materials as you
require. Contact us for a FREE advanced copy of any topic of interest.
Broad Topic Coverage
Payments Innovation Daily reports on the following topics. We cover new product releases,
company acquisitions and mergers, regulatory updates, and we find the best free content
including market surveys, white papers, and other research. According to a recent poll of our
subscriber base our readers are extremely happy with our coverage.

Fraud and Security

Merchant Acquiring
Mobile POS

Card Networks
Online Payments
ATMs

Mobile Payments
Mobile Commerce
Mobile Banking
P2P and Remittances
Loyalty and Rewards
Data Analytics
B2B Transactions

Payments Infrastructure
Faster Payments
Regulation
Virtual Currency
Cross Border Transactions
Innovation
Financial Inclusion

According to our readership survey:

92% of respondents read the newsletter at least twice a week. 58% read it 4-5 times.
65% of respondents are in management positions.

15% C Level Management, 29% Senior Management, and 21% Middle Management.
46% of respondents spend over $500 a year on subscriptions, seminars and courses.

Our subscribers are representative of the following industries:

Banks
Credit Unions
Building Societys
Financial Institutions
Payments Industry Associations
Technology Providers
ATM Deployers

Payments Industry Organisations

Government Associations
Payment Service Providers
Card Issuers / Providers
Online Payment Providers
Payment Gateways
Merchant Acquirers

Contact us today for your FREE advanced copy of any topic compilation of interest. Review the
feature article content of the past year and judge for yourself. Download our Advertising Kit now.

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6th August 2014

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Web Research Services

In need of thorough market intelligence on the Payments
industry ? Our research team are on the job daily scouring
the web for the hottest Payments industry news stories and
the best available online content. Over the past year alone
we have amassed hundreds of market surveys, white
papers, regulatory briefing papers, and other research
across more than 20 topic categories.
Our team can help you bring together the data you need
quickly and efficiently. We can provide professional and
polished reports branded as per your specifications. We can
run cost effective primary research studies to supplement
secondary research content.
For more information download our professional services
pack today or contact us to discuss your needs.

Quyen Truong has over eight years experience in market

research. Based in Vietnam she has a wide rapport with
corporate clients, government institutions and other
organisations in ICT industries. She has a proven track record
in analysing data and providing insights on market trends,
forecasts, competitive analysis, and advisory services.
email: quyen.truong@paymentsconsulting.com

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6th August 2014

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Sponsor Industry Trackers

A great way to position your business as a recognised
Payments industry expert in your field is to sponsor the
publication of a regular industry tracker.
Tracker style publications typically include details such as
shipments, types, vendors, prices, and technology updates
in a well organised regular publication. This kind of tracker
combines secondary research with data obtained directly
from vendor participation in surveys and interviews. Reports
can be provided for free as part of your marketing or made
available for sale. Our research team are ideally positioned
to assist you design, produce, and market your own branded
industry tracker.
For more information download our professional services
pack today or contact us to discuss your needs.

Ross McIntyre has ten years experience in business intelligence,

data analytics, financial analysis and the preparation of business
cases including end-to-end supply chain reviews and product
pricing strategies. Based in Sydney, Ross has broad exposure to
the payments industry, in particular merchant acquiring, ATMs,
transaction switching, processing, settlement and fraud.
email: ross.mcintyre@paymentsconsulting.com

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1st September 2014

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Branded Newsletter Services

Do you want to run your own newsletter but
don't have the time and resources ? Our
editorial team are well positioned to set up and
run a managed newsletter production service
on your behalf.
We will work with you to define a newsletter
service scope that meets your budget. Besides
deciding on the frequency of newsletter issues
we look at setting up appropriate news feeds to
ensure thorough topic coverage.
Our team can assist in setting up the look and
feel of your newsletter and will work with you to
define the on-going operating arrangements.
Once established you can run the services
entirely on your own or engage us on any
aspect of production.

For more information you can download our Professional Services Pack today or contact us to
discuss your needs.

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