@Pay Solves Mobile Payment Friction Issue

(Before It's News)

One of the major drawbacks of Apple Pay and of Android-based payment solutions is that they typically don’t work with the other platform. But there is a solution for that, John Killoran, CEO of @Pay, tells Mobile Marketing & Technology.

Killoran’s company is one of the exhibitors at The Mobile Payments Conference – Aug. 31-Sept. 2 at the Hyatt Regency McCormick Place in Chicago. @Pay specializes in nonprofit donations, customer bill paying and shopping cart abandonment re-marketing e-mails.

@Pay offers payment via e-mail using SMTP, with a two-click payment to push out authorization, avoiding the friction of other mobile payment solutions, Killoran says. All other payment technologies use HTTP, which requires a password or an app download. To transact from mobile, the process must be easy. Since the @Pay payment relies on e-mail rather than on the type of device the user has, the payer can use Google Wallet (or other Android-based wallets/payment solutions) on an iPhone and Apple Pay on an Android-based phone.

The problem with many of the mobile payment solutions on the market today, according to Killoran, is that “they don’t solve a problem.” So there is no reason for consumers to switch from the tried and true method of using a payment card at the point of purchase. “If there is nothing in it for the person, he won’t change,” Killoran says. In some ways, mobile payment adds to stress because a person has to be concerned if his the battery on his phone runs out of power, whether the merchant will accept that type of payment and whether or not he has the right device for the payment solution (iOS or Android).

@Pay’s e-mail solution, on the other hand, is relatively simple, so users can quickly pay for items in an e-shopping cart, make a charitable donation or make another payment with a couple of clicks, and receive an e-mail confirmation that the payment did indeed go through, Killoran says. @Pay also offers text-to-pay and scheduling of payment options.

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