Paying for purchases by credit card on a merchant's cell phone without going through a traditional payment terminal or inserting your card anywhere ... For a few weeks now, this has been a possibility offered by some 70 merchants who are clients of Crédit Agricole du Languedoc (Aude , Gard, Hérault, Lozère), who are testing this innovative solution developed by the Norman fintech Dejamobile.
Conducted until September, the experiment is a
“life-size first in France”
according to the bank.
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To date, almost all banks already offer lightweight payment terminals that connect to merchant smartphones.
On the other hand, none offers an application with a smartphone as the only “equipment” necessary for receiving payment.
Below 50 euros, it is a classic contactless payment that takes place, except that the credit card ticket is dematerialized.
For purchases of a higher amount, the solution may however come up against a psychological brake because, to validate the transaction, the customer must enter his secret code on the merchant's phone before the digital edition of a transaction ticket. .
Only merchants with an Android operating system phone are eligible for this innovation.
This
"required new Mastercard and Visa specifications on securing the pin code from the merchant's smartphone to allow it to function"
, reassures Crédit Agricole du Languedoc.
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