The Taz has been refining on nude pictures. No, she does not copy her big enemy image from the Springer publishing house, but the employees drop the wrappers to advertise the Taz’s own payment method. This is called Pay-Wahl and gives the reader of the disputable linkspostille the possibility, not only the payment procedure freely to choose, but also the amount. And it can also tilt towards zero if it has to.
>> Pay-choice > We have the possibility to build a wall, but do not want it,
The Taz has collected 210.086 euros since the establishment of pay elections a year ago until the editorial deadline for this issue. Quite nice, one would like from the outside, but to the survival of quality journalism is not enough. The Taz collects the vast majority of donations through voluntary subscriptions. Approximately two-thirds of all revenues, which currently amount to around 12,000 euros per month, come from long-term contracts. The other third are spontaneous payments.
And here it will be exciting. Taz also uses the Flattr digital donation system. In parallel there are also other, classic payment methods like direct debit or Paypal. And the reality check for Flattr shows a bitter result: In January, five percent of the donations came from Flattr. About 28 percent of the spontaneous payments go through quite boring, old-fashioned methods.
653,20 Euro donations >> flattrten > Flattr is long dead.
What is it really about? Flattr manages a prepaid account of the user. There, he pays a monthly contribution and 90% of these deposits are distributed by Flattr to the participating partners. The payout key is created by a point system. The user decides which portion of the article is received. The direct alternative among the so-called social payments, named Kachingle, also received significant attention only in the first year. In the meantime the service has stagnated and is trying to reposition itself over the marketing value - the supposedly increased attention, which a provider receives the payment method.
Perhaps Flattr and Kachingle simply lack added value from the user's point of view. For the seller of micro-products, the absence of fixed costs is a major difference to the classic payment methods, but not for the buyer. In fact, both services require a user's registration, and they can, of course, log the consumption behavior in a very detailed manner.
A certain clientele with high data protection requirements is exactly the same as certain product groups, such as the erotic industry. Here, there would be a need for anonymously triggered payments, which mainly settle in the area of prepaid. Prepaid payment methods are one of the most important growth drivers in this segment, says the Payment Innovation Report. For this report, important market participants from the payment industry are questioned anonymously every two years, and the results are then aggregated. In addition to anonymity, prepaid methods have two other advantages. They are usable by users who do not have a bank account, and are generally fairly secure because, apart from loading the account, no direct financial transaction is made during the payment process. The charged amount is, as it were, a security limit.
Starbucks works with prepaid in his app. Coffee-drinkers can then cashlessly pay off their account, in which they present the app at the respective checkout. According to Starbuck, one billion dollars has been implemented in the last year. This is mainly due to the combination with the in-house bonus program >> Myrewards
By far the largest movement in the market exists in the mobile payment sector. All existing payment providers, as well as some new market players, now offer apps that allow a transaction to be triggered via smartphone. This is then carried out in the background between the systems, without the user having to store or transmit directly critical security-critical contents in the smartphone. The hoped-for surplus value for the customer should be the waiver of cash.
In the United States, with the fairly high circulation of the EC card, this has only a limited relevance, for example, in the case of small amounts or ATM payments. From the retailer's point of view, there is, of course, an additional benefit: he can send the customer additional information - we call it vouchers - directly to the smartphone.
The Cologne app providers of >> coupies
While NFC has not yet gained any importance here, Poland is already being paid for this way in neighboring Poland. 200,000 of these terminals are already in use, Olaf Taupitz, Managing Director of Cashcloud AG. If you do not have an NFC-enabled smartphone, for example, the Mpass sticker can stick to the device, which then makes the contact. Mpass is a joint initiative of Vodafone, O2 and Telekom. The payment service provider is Wirecard, and is ultimately paid via credit card, bank debiting or a credit balance. The popular Mytaxi app also uses Wirecard to handle the cash flow between the customer's smartphone and the taxi driver.
The Otto subsidiary Yapital is a big hit. This is also about paying by smartphone and you need the Yapital app. What is exciting, however, is that one could reckon the everyday supermarket super market to participate in the system and thus can generate abruptly reach. >> So far, our 1,700 affiliated branches of 3,400 Rewe markets offer the payment via Yapital app. The rollout is still running, "says Rewe spokesman Thomas Bonrath.
In the meantime, Sportscheck has also become a Yapital partner. From the customer's point, however, the supermarket is more exciting, because the small money problem when buying the next bag is undoubtedly more probable than the next running shoe. The precursor was even a discounter. Net has been experimenting with smartphone payment for a year using its own app, which uses Valuephone's technology. The app also offers current advertising and vouchers.
>> In the United States, the topic of mobile payment will come, but slowly, "says an industry insider, who does not want to be named. The competition between different apps confuses the users and the perceived value is also limited in the face of a good ATM infrastructure. Anecdotal problems, such as insolvency due to lack of available handynetzes or empty-suctioned battery, do one thing.
The topic "general availability" is once again taken up by a startup. The speech is from Boku. One tries to bring the Telekom carrier under one roof and then the payment in each case simply to the telephone account to book. This would save the download of additional apps, the opening of further accounts and thus many circumstances. In the United States, Boku owns contracts with Vodafone, O2, Telekom and Mobilcom-Debitel.
This is different in countries whose mobility is higher or the pressure to pay in terms of payment procedures. According to a study by Gartner, the mobile radio enthusiast China will already have nearly 400 million consumers paying by mobile phone at the end of 2017. And in parts of Africa, where much of the network infrastructure is dependent on mobile communications due to a lack of stationary lines, similar things can be expected. Already 16 million customers in Kenya and thus almost half of the population use a system called M-Pesa, edited by Safaricom. However, this is not paid via the IP network, but simply by SMS.
There are plenty of digital payment methods, and genuine innovations are shortage. Bitcoins could be such an innovation as a purely digital currency. However, to date, no payment provider has ventured to the system in order to secure the enormous risk of fluctuation and to abolish Bitcoin-typical anonymity for security reasons. The Fidor Bank has published corresponding plans. In a first step, in early January, however, only Bitcoins, Bitcoin Battle, were staged. In this case, two Fidor customers may bet against each other on the course development.
Fidor board member Kröner celebrated in January with the daring prognosis that bitcoins as a real currency will have lasting success. At the end of February, however, the world's largest Bitcoin stock market put MtGox bankruptcy application - with almost 50 million dollars accumulated debt. The future of digital coins is open with a rather gloomy perspective.
Among the innovations of the last years were mainly digital wallets. However, the Payment Innovation Report considers this discussion as fundamentally overvalued. Wallet (prepaid) features can integrate many vendors into their payment methods. The decisive factor is which cost situation is offered on the side of the respective dealer. For Micropayments, eg in games, only payment systems without or with only a very small fixed cost share function. O2 resumed his wallet in Great Britain after 18 unsuccessful operations.
The main point in Wallets is currently directed to the big players Google, Facebook, Amazon and, of course, Apple. Last summer, Google added credit card types and, according to industry reports, is about to accept direct debit as a payment method in the United States. Amazon opened his coins recently also for Android. Until now you could buy from the Kindle from Amazon digital goods and software, now you can also get out of the Google platform. In order to generate reach, Amazon still grants large discounts when the charge is set as high as possible.
The next step from Apple is expected, not just in terms of wallets. Apple has, with iTunes in its core, almost everything it needs to integrate a comprehensive payment solution into iOS devices. In combination with the virtual customer card and voucher passbook, this achieves similar qualities across different providers, as the net app only allows for individual traders. There has been a slight suggestion in this direction by Tim Cook.
And, of course, Ebay with Paypal is at the forefront when it comes to new solutions. With 230 million customers and a very convenient payment procedure, Paypal also has a good starting position. According to rumors, the new Samsung Galaxy S5 has a fingerprint scanner that can be used to trigger paypal payments.
At the moment this is still a future scenario. Currently Paypal is taking care of a suitable payment method for Smart TVs. For security reasons, the transfer of the real account data, ie the user name and password, is dispensed with. Instead the user has to be enabled for the app and confirms transactions with a four-digit number code. This is more suitable for TV remote control.
Dwolla is currently very aggressive in the US market. The company only requires 25 cents per transaction and this only if you make more than $ 10 sales. Obviously, one wants to establish a position in the market on the topic of micropayment. To achieve this goal, Dwolla was still bound exclusively to banking accounts until half a year ago. Since October, there is a virtual credit card, which is based on the same transaction fees and provides a limit of 5,000 dollars for private customers.
If you believe the information service Mashable, Dwolla has about 500,000 active customers. Of course, this does not matter, but low transaction fees are always a good argument for successful distribution.
Square is another much-lauded start-up, which already earned 200 million dollars in the second round of finance, including Starbucks. Square brings credit card payments to every smartphone, in which one equips with a suitable reading device. This does not open up a new payment method, but it brings the point of sale practically anywhere.
How difficult it is to implement new methods against established players had to feel ribbon last year. No sooner had a button been installed in the Twitter stream, which could trigger direct payments, Twitter has removed them again. Since the end of last year, Ribbon has been dedicated to direct payments between end users. The Paypal subsidiary Venmo does the same, but from a American perspective this is still a niche topic.
The bottom line is that the Payment segment is largely differentiated in the industry. All major suppliers work on the same topics, a real differentiation is hardly possible. One lives from the existing customer base or addresses specific framework conditions, which prevail in a country like Kenya or a culture with lower credit card affinity as the United States. Reach at the shops reaches above all, who offers favorable fees such as Dwolla or special solutions installed such as Square, Paypal, Mpass or Yapital. All together is a tremendous marketing effort, which you must operate in order to be heard.
The skeptical tenor of the Payment Innovation Report, which considers even mobile payment to be overvalued, is thus understandable. NFC has by far not kept what the vendors had promised. Innovations in the area of payment can be found much more by looking at the strategies rather than the methods. One such is pay-what-you-want (PWYW). The price field remains empty and the user decides what he wants to pay. The strategy itself is not new, but new is the possibility to measure very precisely the effects in the net and to compare different approaches. So you can in the price field a price >> suggest
PWYW is, of course, particularly suitable for digital, arbitrarily scalable goods such as whitepaper or e-books. Book author and blogger Tom Morkes has tested this and found that, above all, the viral spread of the happy customer of the voluntary payment process achieves a PR value that can be higher than the loss in the average price. Morkes also recommends the system to service providers who maintain a direct customer contact, because then the risk of the customer to pay extremely little is very high.
For the Internet magazine, Tom Morkes summarizes his experiences: >> People are generous. The biggest fans want to pay. And nothing can be more effective than a PWYW offer via social media. "Morkes itself is about to pay more than 50 percent more than before with a fixed price. Morkes also offers a Whitepaper for PWYW and could argue here a bit pro domo.
Instead of money you can pay with attention. Google offers site operators to view surveys on their pages and to receive a premium for each completed sheet. This can be a payment model for paid content. Another increasingly popular strategy is to pay with data, either to your own or to those of friends in the form of Pay with a Tweet or Pay with a Like.
After initial hype, it has become much quieter around this innovative payment method. This may be due to the fact that a consciously expressed positive opinion expressed by the user in this country can fulfill the requirement of creeping up.
American Express has found a very smart adaptation of the theme. The credit card company offers customers Pay with a Tweet as a promotion solution. Will Amazon, for example, continue to fire the sale of his Kindle Fire, a hashtag is generated, which promises the user a discount when he buys the device and at the same time tweets about it. Barnes & Noble now offers five dollars to eager Twitterers who shop for more than 25 dollars. Pay with a Like, on the other hand, is uncritical, as argued by lawyer Thomas Schwenke, citing a court verdict. The Like itself is not yet considered an influence. This method, for example, continues to hold the magazine Focus, although with much less naked skin than the colleagues of the Taz.
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