Snapscan on Andriod

[HeftyCrab]

But.....why? Paying by card only takes a few seconds.

Is the app password protected?

 

[faniebraai]

But.....why? Paying by card only takes a few seconds.

Is the app password protected?

snapscan, yes.

 

[Tsepz_GP]

Yep, you scan the code, type the amount, send. The shop merchant receives an sms of payment made, and let's you the door.

Brilliant!

I love the whole concept, my local dryclean has SnapScan so I'll give it a go at some point.
This is great, hope more shops pick it up, it's going to get to the point where you don't need your card at all or your wallet, but that's still many years away.

 

[DA-LION-619]

Had the the exact same issue, I just wanted to try it out and see which merchants close to me support it. IMO if an app doesn't support a rooted phone its not very well coded.

 

[Sysem]

But.....why? Paying by card only takes a few seconds.

Is the app password protected?

I think they've targeted merchants that want to cut down costs of renting card machines. Small markets make good use of SnapScan. Also, when leaving the office, I only have to take my phone.

 

[faniebraai]

I think they've targeted merchants that want to cut down costs of renting card machines. Small markets make good use of SnapScan. Also, when leaving the office, I only have to take my phone.

Exactly their target market.

 

[CranialBlaze]

I think they've targeted merchants that want to cut down costs of renting card machines. Small markets make good use of SnapScan. Also, when leaving the office, I only have to take my phone.

The big selling point here is for small mechants and even craft markets.

Starting a business you looking at:

paying about 6-7% minimum on transaction fees,
I think there is a rental fee for the SpeedPoint itself,
there is also a minimum monthly, last I checked it was 10k
Cost penalties for not making said 10k
AN additional 1% transaction fee if you want the mobile units, like the ones a restaurant brings to your table.

Snapsan
Flat 3.5% fee
No hardware costs
No monthly fees
No monthly minimum
ANd blooty hellz its portable.

A number of the guys at the Sunday craft market now have snapscan, people online carry a finite amount of cash on them, but they always carry things like phones and cards, so thinks like snapscan and that pebble from ABSA open up mobile businesses to take plastic.

Personally I do not give CC details out over the phone, so I never order delivery unless its from debonairs, only place I know that does online orders, but if places like Romans, Mr Delivery, all those other damned restaurants started accepting SC, I would happily order from them as I pay them when they arrive through a barcode on the slip.
I am pretty sure many of you guys on this forum would agree with the delivery thing so there alone would probably lie the most beneficial reason for many of us and those businesses alike.

I know from another forum a fe POS developers have begun integrating SnapScan into their systems for their restaurant clients.

I have not been in a position to use snapscan yet, but I keep it on my phone. I would like to see this succeed, it fills a gap in the market and works for people like me who never walk around with cash, I don't shop at places that do not accept cards. I can cancel a credit card, I cannot cancel a R200 note.

 

[faniebraai]

The big selling point here is for small mechants and even craft markets.

Starting a business you looking at:

paying about 6-7% minimum on transaction fees,
I think there is a rental fee for the SpeedPoint itself,
there is also a minimum monthly, last I checked it was 10k
Cost penalties for not making said 10k
AN additional 1% transaction fee if you want the mobile units, like the ones a restaurant brings to your table.

Snapsan
Flat 3.5% fee
No hardware costs
No monthly fees
No monthly minimum
ANd blooty hellz its portable.

A number of the guys at the Sunday craft market now have snapscan, people online carry a finite amount of cash on them, but they always carry things like phones and cards, so thinks like snapscan and that pebble from ABSA open up mobile businesses to take plastic.

Personally I do not give CC details out over the phone, so I never order delivery unless its from debonairs, only place I know that does online orders, but if places like Romans, Mr Delivery, all those other damned restaurants started accepting SC, I would happily order from them as I pay them when they arrive through a barcode on the slip.
I am pretty sure many of you guys on this forum would agree with the delivery thing so there alone would probably lie the most beneficial reason for many of us and those businesses alike.

I know from another forum a fe POS developers have begun integrating SnapScan into their systems for their restaurant clients.

I have not been in a position to use snapscan yet, but I keep it on my phone. I would like to see this succeed, it fills a gap in the market and works for people like me who never walk around with cash, I don't shop at places that do not accept cards. I can cancel a credit card, I cannot cancel a R200 note.

Cost wise this makes absolute sense. The concept is good for the consumer, I completely agree. Just one flaw with this ... Disputes

Because Snapscan is a plain old vanilla card-not-present transaction, liability sits with the merchant for when a transaction has successfully been disputed. 3DSecure and AMT (authenticated mobile transaction) transactions, the liability shift to the issuer, which is obviously better for the merchant, because it insures that the merchant is always settled.

 

[CranialBlaze]

Cost wise this makes absolute sense. The concept is good for the consumer, I completely agree. Just one flaw with this ... Disputes

Because Snapscan is a plain old vanilla card-not-present transaction, liability sits with the merchant for when a transaction has successfully been disputed. 3DSecure and AMT (authenticated mobile transaction) transactions, the liability shift to the issuer, which is obviously better for the merchant, because it insures that the merchant is always settled.

I can't imagine integrating 3D secure to be too complicated, would somewhat limit the flexibility, but most would be happy to pay a small price for added piece of mind.

 

[HeftyCrab]

Very interresting points about the costs involved. Never knew it was so expensive! Im sure it would help a lot of small businesses out if they can pump that money back into the business.

As above, I also never carry cash and just use my card. I guess the nice thing is if someone steals the phone and you have some anti-theft software on it (like avast) you can just block the phone instead of having to scramble around blocking all your cards.

I see theres quite a few of these services coming out!Heres another one.

http://www.flickpay.co.za/

 

[faniebraai]

I can't imagine integrating 3D secure to be too complicated, would somewhat limit the flexibility, but most would be happy to pay a small price for added piece of mind.

Standard Bank Masterpass. 3DSecure and AMT in a mobile app with QR code scanning.

I admit, the 3DSecure needs work as it is klunky (but afaik they are working on it), but if you are lucky enough to be with an AMT participating bank (Standard Bank, Absa, Nedbank, Postbank, Bidvest) then it is as easy as entering your pin.

 

[faniebraai]

Very interresting points about the costs involved. Never knew it was so expensive! Im sure it would help a lot of small businesses out if they can pump that money back into the business.

As above, I also never carry cash and just use my card. I guess the nice thing is if someone steals the phone and you have some anti-theft software on it (like avast) you can just block the phone instead of having to scramble around blocking all your cards.

I see theres quite a few of these services coming out!Heres another one.

http://www.flickpay.co.za/

exactly the same as snapscan, snapscan i think has wider acceptability at this point.

 

[CranialBlaze]

Standard Bank Masterpass. 3DSecure and AMT in a mobile app with QR code scanning.

I admit, the 3DSecure needs work as it is klunky (but afaik they are working on it), but if you are lucky enough to be with an AMT participating bank (Standard Bank, Absa, Nedbank, Postbank, Bidvest) then it is as easy as entering your pin.

The assumption is really that they have considered all this and its in the pipeline, but they opted to test the waters before investing the time. So far things have gone well, so let's hope security updates are just around the corner, that would really set the apart from the rest. Last I heard they had over 5000 merchants already.

 

[faniebraai]

The assumption is really that they have considered all this and its in the pipeline, but they opted to test the waters before investing the time. So far things have gone well, so let's hope security updates are just around the corner, that would really set the apart from the rest. Last I heard they had over 5000 merchants already.

yet very little of us can find a merchant if you aren't in stellenbosch or anywhere near the cape town area.

 

[CranialBlaze]

yet very little of us can find a merchant if you aren't in stellenbosch or anywhere near the cape town area.

I was reading an article I think last month, they had a big uptake in joburg, and with craft market merchants like I mentioned earlier. Getting into established brick and mortar would be harder, it's new and relatively untested in the grand scheme. The usage would be unknown and many may of seen the potential security issues we highlighted.

For smaller companies, less established and especially the mobile sporadic markets, the cost and benefits outweigh the risks, it's the other way around for an established business who had already earned cost reductions on his speed point charges.

People like us would give it a good shake, we like tech and welcome new things, we would still see the risks and even internally work out ways to mitigate them.

If you ran a small coffee shop like Fred and max that takes SnapScan, your potential losses are relatively minimal based on the very high unlilihood of high bills. The majority of bills for coffee shops are under a R100 ,so minimal loss in that sense, yes every now and then you get high bills, but who's to say they will be using SnapScan for them.

So for them it's somewhat valuable, they get to support something new and local, which good to people like us, and in turn the give users options. At this stage I would not choose SnapScan over my card, but I am far more likely to forget my wallet than my phone, it's simply how life works these days, so it's a good backup.

I would if expected an uptake from non profits and ngo's as a cheaper and easy way to accept donations.

 

[faniebraai]

I was reading an article I think last month, they had a big uptake in joburg, and with craft market merchants like I mentioned earlier. Getting into established brick and mortar would be harder, it's new and relatively untested in the grand scheme. The usage would be unknown and many may of seen the potential security issues we highlighted.

For smaller companies, less established and especially the mobile sporadic markets, the cost and benefits outweigh the risks, it's the other way around for an established business who had already earned cost reductions on his speed point charges.

People like us would give it a good shake, we like tech and welcome new things, we would still see the risks and even internally work out ways to mitigate them.

If you ran a small coffee shop like Fred and max that takes SnapScan, your potential losses are relatively minimal based on the very high unlilihood of high bills. The majority of bills for coffee shops are under a R100 ,so minimal loss in that sense, yes every now and then you get high bills, but who's to say they will be using SnapScan for them.

So for them it's somewhat valuable, they get to support something new and local, which good to people like us, and in turn the give users options. At this stage I would not choose SnapScan over my card, but I am far more likely to forget my wallet than my phone, it's simply how life works these days, so it's a good backup.

I would if expected an uptake from non profits and ngo's as a cheaper and easy way to accept donations.

Good points made.

On donations, I the Masterpass developers has a functionality where you could print a QR code on a poster, where people can use it to scan and donate. It would also be possible for this same functionality to allow a user to purchase something like airtime from a poster somewhere in a public place. I'm sure snapscan could do something like this as well.

 

[CranialBlaze]

Good points made.

On donations, I the Masterpass developers has a functionality where you could print a QR code on a poster, where people can use it to scan and donate. It would also be possible for this same functionality to allow a user to purchase something like airtime from a poster somewhere in a public place. I'm sure snapscan could do something like this as well.

Airtime things actually a pretty damn good idea, especially if it was partners up with the mobile providers. They could attach it to all their print adds, snapscan would need some serious upgrades for it to work of course. There would need to be some webportal intermediary as well so that the airtime could be purchased and a confirmation code sent back and the airtime delivered to the correct number, much like what happens when we buy airtime from our banks.

Mobile payments like snapscan are the next big thing, its just up to 1 of them to cover convenience and security to make it a beneficial choice for both sides of the transaction.
I have not actually used it since the demo, but I would think that a adding the cvv to the pin as a requirement would substantially increase the security. With steam I am relatively happy to save my CC details with them, I trust them, but the CVV is not stored, making what they have useless, but still a great time saver for me. However, I am the guy that files my CVV off the back of my card so if it ever gets stolen I at least know I have more time as if they wanted to use it, it would have to be at a physical outlet, its useless online.

So even without AMT, 3D Secure, Masterpass, they have already given it a big security boost requiring not 1, but 2 data points, and I would remove neither if integrating the other security methods. Only like 5 more seconds of your life.

 

[faniebraai]

So even without AMT, 3D Secure, Masterpass, they have already given it a big security boost requiring not 1, but 2 data points, and I would remove neither if integrating the other security methods. Only like 5 more seconds of your life.

Actually, now that you mention it. I have the snapscan app installed, havent used it, and i remember supplying my CVV when loading my card. According the PCI-DSS*, they aren't allowed to store the CVV (that's why steam doesn't do it). Hmmm... that's a bit worrying...

*Payment Card Industry Data Security Standards - the security requirements that governs the processing of card based transactions

 

[CranialBlaze]

Actually, now that you mention it. I have the snapscan app installed, havent used it, and i remember supplying my CVV when loading my card. According the PCI-DSS*, they aren't allowed to store the CVV (that's why steam doesn't do it). Hmmm... that's a bit worrying...

*Payment Card Industry Data Security Standards - the security requirements that governs the processing of card based transactions

I loaded it so long ago I cannot remember, but ya storing that not so safe. Think that's the first change they need to make, flip if you annot remember 3 digits you really should not be allowed to use a phone.

 

[faniebraai]

I loaded it so long ago I cannot remember, but ya storing that not so safe. Think that's the first change they need to make, flip if you annot remember 3 digits you really should not be allowed to use a phone.

yeh, but its not about being safe, it's about what is allowed, and storing cvv is definitely not allowed.

have you tried loading a card into your phone, and try loading it onto another phone? I know the masterpass app actually locks your card with the phone.