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With several possible alternatives to make contactless payments work, it remains to be seen which alternative will be adopted.

Contactless cards for example have had moderate success for various reasons (link to own article). And phones with SIM cards with NFC technology are slow to break through. This is mainly because of the disagreements over the fees that are attached to them. Card-issuers want to store data on the users phone, but they need the cooperation of the mobile network operators to do this.

Possible ways around these problems might be NFC stickers or to integrate a micro SD card in the phone, which excludes the MNOs.

But these as well are no easy solutions. Instead of answering which would be the best PaymentViews shines some light from a different angle: why should any data be put on the phone?

A company which has embrac…

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In previous posts we have covered the battle that will occur in between most markets between mobile network operators and banks. In China a project involving mobile contactless payments has been started up. Mainly because in this case the Chinese bank card association isn’t included in this project. China Mobile takes the lead in this deployment.

It will be interesting to see how this plays out and how the banks will fight back.

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There are many smart phone readers out there that have the possibility to capture credit cards such as VeriFone Payware. In most cases extra hardware is added to the phone so cards can be swiped. One of these readers, called morphie, adds an extra layer to make the phone a more complete POS terminal.

In the hardware that is used to swipe cards, NFC (Near Field Communication) technology is integrated. Which allows contactless payments on the device. When a card is brought in proximity of the device, the data are transferred to an application on the smart phone, where the transaction can be completed.

Right now it is only possible for cards that are equipped with FeliCa technology, which powers the built-in contactless reader. FeliCa is popular in Asia and has 100 million mobile phones and more than 120 million transportation and elect…

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As empresas de cartões estão procurando novas maneiras de crescer.E desde que assumam o lugar das divisões de crédito e débito, isso será apenas uma canibalização. Eles estão mirando no eterno rival, o dinheiro.

Olá PayWave e PayPass, que são as novas soluções sem contato(contactless) da Visa e da Mastercard, respectivamente. Os principais pontos são a facilidade de utilização e a rapidez nas operações.

Fato: O cliente não gosta de pegar seu cartão para fazer apenas pequenas compras. Balançar o cartão ou mesmo com o cartão dentro da carteira, colocá-la sobre um dispositivo definitivamente torna as coisas mais fáceis.

Mas não é só o consumidor que precisa ser convencido da tecnologia. Muitos varejistas duvidam da rentabilidade desta nova forma de pagamento. Porque a cada vez que um cliente paga dessa forma(contactless),…

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Card companies are looking for new ways to grow their business. And as taking away business from their credit or debit card divisions would mean taking money out of their own pockets, they are looking to take on that eternal rival, cash.

Hello PayWave and PayPass, the contactless payment solutions from respectively Visa and Mastercard. The main selling points of this technology are ease of use and faster transactions.

Fact: The customer doesn’t like to get out his credit card for small purchases. Waving you card or even your card inside your wallet over some device definitely makes things easier.

But it is not only the consumer that needs to be convinced of the technology. Many retailers doubt the profitability of this extra way of paying. Because for them each time a customer pays with contactless, they will pay a transaction fee, …

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Uma nova empresa chamada Tapwallet está lançando um novo serviço de pagamento. O sistema utiliza o conector dock do iPhone / iPod Touch, juntamente com uma aplicação própria. Nenhuma informação foi divulgada ainda, mas a empresa disponibilizou alguns vídeos.

Estes vídeos mostram um conjunto de aplicações possíveis para a sua solução de pagamento. O primeiro é TapPay. Digamos que você quer pagar em um restaurante, a conta chega com um QR code 2D sobre ele. O consumidor pode, então, proceder ao pagamento por ter uma fotografia do código. Um aplicativo irá converter automaticamente o código do pedido e a confirmação do pagamento. Para obter este código na conta, certamente haverá algum tipo de modificação no sistema de ponto de venda, talvez o software extra da TapWallet.

O segundo exemplo também usa um código QR. Isso…

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A new company called Tapwallet is about to release a new payment service. The system uses the dock connector on the Apple iPhone/iPod Touch together with an own application. There has not been much information released, but the company posted some videos.

These videos illustrate a couple of possible applications for their payment solution. The first one is TapPay. Let’s say you want to pay in a restaurant, the check arrives with a 2D QR code printed on it. The consumer can then proceed to pay by taking a photograph of the code with his iPhone. An application will automatically convert the code and request payment confirmation. To get this code on the check some kind of modification in the point of sale system, maybe extra software by TapWallet.

The second example also uses a QR code. It implies that all of the customer’s cards have b…