Thanks to Paylib, Apple Pay, Samsung Pay or Google Pay, paying with your mobile phone is more affordable than you think. So what are you waiting for?
Did you know? All payment terminals set to accept the contactless card also accept payments over the phone, via Paylib, Apple Pay, Samsung Pay or Google Pay, which use the same technology.
It is designated on the terminals by the oval filled with four curved lines symbolizing the waves of the NFC (Near Field Communication). But some traders sometimes learn from their customers!
And thanks to Paylib and Google Pay, no need to invest in a mobile of last generation. As Benoit Grisoni, CEO of Boursorama, said in launching Google Pay last November: “All Boursorama Bank customers now have the option to pay for their purchases in-store and online, with any mobile device.”
To date, Boursorama is the only major French bank to offer the three main digital wallet portfolios of Apple Pay, Samsung Pay and Google Pay, in addition to Paylib, the French solution, created by a consortium of banks for counter the boom of Paypal, and boost mobile payments. But agreements between banks and providers of digital wallets are multiplying.
By integrating Apple Pay on March 5, La Banque Postale follows the example of Carrefour Banque and the Caisses d’Epargne, the first to conclude with the firm in the apple, in July 2016, followed little by little Fortuneo, Societe Generale , Boursorama, Crédit du Nord then BNP Paribas and HSBC this month of February
In two clicks with Paylib
It’s up to you to see if you draw faster with your card (at the bottom of a wallet in the bag) or your phone! Specifically, the mere fact of approaching your mobile phone from a contactless payment terminal awakens the payment application of the phone.
The Big Banks Paylib banking solution will still require two clicks, one to open the application and the other to validate that this is a payment you want to make, when Apple Pay and Samsung Pay will only require one single click biometric validation (with the ID key or even a facial check with iphone X).
Paylib wants to be very secure, with a click or two more than Apple Pay or Samsung Pay (which annoys some bankers determined to do it at this click too much!).
It’s up to you to judge the art of the customer experience implemented.
Then you put your mobile on the payment terminal to complete the transaction and a beep sounds. Up to 30 euros, there is no code to enter, whether you use your card (contactless) or your phone.
New applications on track
If the services of your bank do not satisfy you, new payment applications or neo-banks open you access to mobile payment (by debiting the bank card that you have enlisted beforehand).
Among the recommended payment applications: Lydia is one of the largest French fintechs with 1.5 million users and includes the CNP insurer in its capital, and compatible with Apple Pay, Samsung Pay and Google Pay; or Max, Crédit Mutuel Arkea application also open to all and compatible with Apple Pay, Samsung Pay, and Garmin and Fitbit wristbands.
The latter allows you to aggregate all your other cards on your own card and to debit the card of your choice, and even to create a payment account .
Among the neo-banks, C-zam opens Apple Pay and Carrefour Pay, Orange Bank offers Orange Cash and Apple Pay; German N26 is one of the few to offer in France Google Pay, in addition to Apple Pay.
Most of these payment solutions are in the starting blocks to associate loyalty programs to make you use your cards and / or refer you to partner merchants to value your data and earn commissions from merchants.