SnapScan and Zapper vs Google Pay, Apple Pay, Samsung Pay

[Jan]

How SnapScan and Zapper are surviving South Africa's tap-to-pay onslaught

Scan-to-pay apps like Zapper and Standard Bank's SnapScan maintain they will continue to play an important role despite the dramatic rise in contactless payments in South Africa.

Several banks report that tap-to-pay purchases on NFC-enabled card machines have surged dramatically over the past two years.

 

[konfab]

Biggest reason why they shouldn't be worried, is that a QR code can be put on an invoice. Makes paying them an absolute breeze as the amounts and reference are preloaded.

 

[MrGray]

Paying for parking tickets is a real killer application for this - it's surprising how many parking garages have quietly implemented it but don't seem to be advertising it yet. Try scanning your parking ticket with either Zapper/Snapscan next time. The people who make coin/note accepting machines should be worried.

 

[G.A.S]

I'd add that there is also a lot of potential for non-profit organisations with regards to donations. E.g. adding a QR code at the end of YouTube videos (if applicable) and newsletters (Legit ones. I don't mean spam.)

 

[KleinBoontjie]

Bill splitting, can Apple, Samsung and Google do this?

 

[RichardG]

Bill splitting, can Apple, Samsung and Google do this?

Yes, tell theme how much you gonna contribute then your friend pays the difference. Works exactly like a credit card part payment card the rest cash or other cc .

 

[markings]

The biggest advantage of Snapscan is that that the transaction appears on the account immediately. Unlike card payments which first have to authorized and that can take days.

 

[Wayne2k]

Paying for parking tickets is a real killer application for this - it's surprising how many parking garages have quietly implemented it but don't seem to be advertising it yet. Try scanning your parking ticket with either Zapper/Snapscan next time. The people who make coin/note accepting machines should be worried.

Does it work with barcode printed on till slip to apply parking discounts?

 

[Mike_E]

I had to revert back to physical Credit Card payments after I realized that Samsung Pay transactions do not reflect on my bank's reward program. A pity as I was enjoying it.

 

[Ecco]

Snapscan not as relevant I find. Many smaller retailers have yoco machines, which mean you can tap to pay at little vendors or stores who typically didn't have card machines in the past.

Zapper I still find of use to quickly pay your bill at a restaurant instead of waiting for a waiter to come back with a card machine.

 

[Keanu Leeves]

I had to revert back to physical Credit Card payments after I realized that Samsung Pay transactions do not reflect on my bank's reward program. A pity as I was enjoying it.

If you don't mind me asking,which bank are you with?
because I'm with fnb and there's no issues with rewards.

 

[SauRoNZA]

The biggest advantage of Snapscan is that that the transaction appears on the account immediately. Unlike card payments which first have to authorized and that can take days.

This doesn’t make sense since SnapScan is just a credit card transaction in the background.

I think you may be comparing it to “offline” card machines that only get banked every often which is a different problem.

An online machine like the Yoco’s and such should be exactly the same as SnapScan.

 

[SauRoNZA]

Snapscan not as relevant I find. Many smaller retailers have yoco machines, which mean you can tap to pay at little vendors or stores who typically didn't have card machines in the past.

Zapper I still find of use to quickly pay your bill at a restaurant instead of waiting for a waiter to come back with a card machine.

This is a more of a prevalence thing I guess.

SnapScan is used by many restaurants in exactly the same way as Zapper.

 

[bwana]

I don't even know why I still have Snapscan and Zapper taking up space on my phone any more.

EDIT: NMD I don't - I just have the icons.

 

[Johnatan56]

Biggest reason why they shouldn't be worried, is that a QR code can be put on an invoice. Makes paying them an absolute breeze as the amounts and reference are preloaded.

Here in Austria, every invoice has a QR code with details.

There's a standard in place, you can generate your own code using: https://zv.psa.at/en/qr-code-generator.html
And in 2/3 banking apps I've tried here there's a button next to my account balance to generate a QR code for payment to that account specifically, can specify amount/details as prefill.

Would assume South African banks will probably either do their own standard or adopt someone else's soon enough, it's not a difficult thing to do, just the standardization will be the difficult part.

 

[bwana]

Biggest reason why they shouldn't be worried, is that a QR code can be put on an invoice. Makes paying them an absolute breeze as the amounts and reference are preloaded.

I'm pretty sure I can use my FNB app to scan a QR code? Why do I need a 3rd party app to do it?

 

[backstreetboy]

I'm pretty sure I can use my FNB app to scan a QR code? Why do I need a 3rd party app to do it?

Easypay

 

[bwana]

Easypay

What about it?

 

[SauRoNZA]

I don't even know why I still have Snapscan and Zapper taking up space on my phone any more.

EDIT: NMD I don't - I just have the icons.

I just use FNB to pay with either so deleted them years ago.

 

[SauRoNZA]

Here in Austria, every invoice has a QR code with details.

There's a standard in place, you can generate your own code using: https://zv.psa.at/en/qr-code-generator.html
And in 2/3 banking apps I've tried here there's a button next to my account balance to generate a QR code for payment to that account specifically, can specify amount/details as prefill.

Would assume South African banks will probably either do their own standard or adopt someone else's soon enough, it's not a difficult thing to do, just the standardization will be the difficult part.

This I would love for sharing your bank details with people which is such a massive pain point and potential point of failure doing manually.