The first service that allows users to pay for purchases via their mobile phone has been launched in the UK. Only purchases up to a value of £15 can be made using the service but users can preload their mobile with up to £100.
Orange and Barclaycard today launch ‘Quick Tap’, the UK’s first contactless mobile payment service which allows consumers to make purchases on the high street using their mobile phone for the very first time. The landmark launch means that from today, in addition to using contactless cards or chip and PIN, consumers can simply tap their mobile phone on a contactless reader at tills in over 50,000 stores to make purchases £15 and under.
The service is made possible by Near Field Communication (NFC), the short-range wireless technology that underpins many wireless payment systems. It will require a NFC-enabled Samsung Tocco Lite handset, which also goes on sale on Friday. Users wishing to use the system will need Orange and Barclaycard accounts as well as a handset set up for contactless payments.
„Having a wallet on my phone has made it much more convenient to make purchases on the move and I like that it allows me to keep track of what I’m spending as I go,” said David Chan, chief executive of Barclaycard Consumer.
„It is going to start a revolution in the way we pay for things on the high street,” added Pippa Dunn, vice president of Orange.
Among shops signed up to the system are McDonalds, EAT, Pret-a-Manger and some Boots stores.
Other stores signed up the service include Subway, Little Chef, Wilkinson and the National Trust.
Giles Ubaghs, an analyst with Datamonitor, thinks take-up may be sluggish.
„It is an important first step but I think there could be a lack of incentive. Early adopters may like it for the novelty value but the majority just won’t see the point,” he said.
Mobile wallet services have been available in Japan for some years and operator DoCoMo NTT spent a good deal of cash getting them up and running.
„They even had to buy a convenience store chain to get the readers in there but all the evidence is that people don’t use it that often. Only around 10% seem to use the NFC functionality on their phones,” said Mr Ubaghs.
Mobile couponing, where people can swipe their handsets in order to get discounts on goods, could kickstart NFC technology, he thinks.
Or it could find popularity in the future as an alternative to Bluetooth.
„It may be used for swapping data from phone to phone or for, say, taking pictures from a phone and putting them on a TV,” he said.
Nokia is believed to be bringing out an NFC-enabled version of the popular game Angry Birds later this year.
In 2009 O2 trialled contactless payments, using mobiles in place of the popular Oyster card which allows commuters to pay for their tube journeys.
It has said it will launch its mobile wallet service later this year.
By the time of the Olympics it is expected that transactions, transport and tickets will all be available via contactless technology.
Currently there are 50,000 stores with NFC-enabled readers in the UK.
Some 12.9 million credit and debit contactless cards are already in circulation.
Juniper Research Senior Analyst Howard Wilcox being quizzed on Orange and Barclaycards Contactless Payment Service by the UK BBC Breakfast news team:
Source: BBC news
„O singură provizie am făcut, de card, pentru că nu mai umblu cu banii în buzunar. Banii sunt cei mai periculoși când este vorba de răspândirea unei molimi. Am renunțat la cash. În rest, este o prostie să faci provizii. Dacă vine o molimă și nici nu știi când va ajunge, dacă ar fi să se întindă, pe cât timp să poți să faci provizii? Faci provizii pe trei săptămâni, pe patru săptămâni și mai departe?”, a spus consultantul.