Some people use to divide ilconto the restaurant after a dinner with friends or to make the collection for a group gift. It allows you to pay for coffee at the bar and the rental of the umbrella for most plants of the Riviera. It could soon become the easiest way to pay off the line of the school canteen. It is a digital payment service that allows the transfer of small amounts of money, in real time and with immediate availability on behalf of a friend or the operator. Just download the app – are 18 those surveyed by Corriere Economia – and subscribe to the service, linking the application to your Iban or electronic money account. “The security levels are comparable to those of a transaction made with a credit card, “says Valeria Portale, director of the Observatory Mobile Payment Commerce of Milan Polytechnic.
expenses
But how much do whatsapp payments? For the first time Corriere Economia put under the lens services for transferring money between individuals (called P2P, peer-to-peer) and those for transfers in the same way, in shops (p2b, person-to- business). Typically, there are no fixed costs: you pay a commission on each transaction, which ranges from zero to 75 cents, as in the case of Unicredit. Several are the maximum amount transferable to a single transaction – between $ 25 thousand euro – and other features of the service: for instance Jiffy, the platform developed by both, which have already joined 23 banking groups (350,000 registered users) and Zac the solution designed by ICBPI with Maestro, chosen by Creval, Veneto Banca, CSE and Cedacri, payment functions are integrated into an app of the bank; in other cases, it opens a payment account, or electronic money, which is fed through bank wire, credit cards and transfers from other users of the service. Tinaba work so well: the subsidiary platform by Banca Profilo, which will offer, in addition to the p2p and p2b payment service, being launched by invitation, also functions crowdfunding and private loan. Not only. To use Chat & amp; Cash (Banco Popular), Hype (Banca Sella), 2Pay (start-up) and Tinaba, must not already hold a bank account; in other cases, yes.
Numbers
The peer payments to-peer still represent a small slice of transactions with electronic money: according to the Observatory of the Polytechnic, have reached 10 million Euros in 2015, up from 2.7 billion in total passed on smartphones, for shopping via the mobile. “But the phenomenon is growing – observes Portal – thanks to some recent news in the p2b payments segment.” Satispay, a start up of Piedmont among the first to enter this market, with already 48,000 active users, has just announced the integration of its payment system in Pos Ingenico. For the time will be updated points of sale software installed at 83,000 customer businesses of Iccrea Bank (which controls 15% of the capital Satispay). “Our goal is to facilitate the adoption of this method of payment by the operators.
latest additions
from this perspective, is also part of the integration of Satispay on the pC desktop, which we developed for pharmacies and will be operational in October 2500 shops ” He tells Alberto Dalmasso, CEO and cofounder of Satispay. By partnering with Cigierre, of Old Wild West brand owner, Wiener Haus and others, the Cuneo company is activating the payment function in the cash registers of the chain restaurants. Meanwhile, in addition to many years of small and medium size, have joined the service even Domino’s Pizza, shops Carrera jeans, Panino Giusto Panino Durini, the Grom ice cream parlors and 35 TotalErg distributors (concentrated in Milan and Turin). “The 65% of transactions on Satispay – declares Dalmasso – takes place in stores, compared to 35% of transfer between individuals.” Meanwhile, the market for person-to-business is also facing Banca Sella with his Hype, 2Pay and Jiffy. “The pilot phase of the project started with UBI Banca in the cities of Milan and Bergamo. Four other Italian banks have expressed interest to activate the service by next autumn, “says Nicholas Roman, head of Innovation Lab of Sia. One of these is Cariparma Credit Agricole. “Thanks to the technological partnership with Ingenico, also – said the Romans – with Jiffy will be fixed shortly make payments from smartphones directly on Pos terminal of the authorized dealers.”
July 11, 2016 (amendment July 11, 2016 | 11:19)
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