Tag: mobile payments solution

Mobile payments pilot to begin at grocery chain

The Harris Teeter grocery store chain will be testing the Paydient smartphone wallet service.

The grocery store chain, Harris Teeter Inc., has just announced that it is beginning a pilot of the white label mobile payments wallet from Paydiant, a cloud based provider of smartphone transaction services with cardless ATM access and a platform for offer redemptions.

The transaction will be tested at first at the location in Matthews, North Carolina, starting this month.

The news release from the company has indicated that this will only be a pilot to decide whether or not the mobile payments will be expanded across over 200 stores located in eight Atlantic states, in addition to the District of Columbia. The store that is being used to test the technology is located in the Matthews Festival Shopping Center on the Matthews Township Parkway.

This pilot mobile payments program will allow the store’s customers to try the digital wallet technology.

Mobile Payments - Grocery StoreThe mobile payments program is being called HT Express Pay at the grocery stores, and will allow consumers to pay for groceries that they purchase online. The transaction is processed within the vehicle of the customer while they are stopped in the Express Lane curbside pick up locations.

To try the mobile payments option, the Harris Teeter customer must first download the wallet into his or her Android or iOS based smartphone. A payment card must then be linked to the wallet. Once they have arrived at the Express Lane to pick up the groceries that they ordered online, they use their smartphone and the app to scan a QR code that an employee will display by way of a Verifone handheld point of sale device.

Once the QR code has been scanned, the customer uses the mobile payments app on his or her own device to choose the registered payment card with which he or she wishes to complete the transaction and then taps the screen on the “pay” button. The transaction is completed and a digital receipt is instantly sent to that device. Harris Teeter is hoping that it will soon be accepting other digital wallets powered by Paydiant by the end of the year in the same way.

Mobile payments solution to bring Paydiant and Pulse together

The two companies will be working together to be able to offer a purchasing service to its customers.

Pulse, a debit/ATM network, has now announced that it will be working with Paydiant, which is a cloud based mobile wallet provider that also offers redemption platforms, in order to be able to offer participants a mobile payments and commerce solution.

The Paydiant solution makes it possible for Pulse partners to rapidly deploy contactless transactions.

These partners include both merchants and financial institutions. Pulse is hoping that the new partnership will make it possible for those partners to rapidly and easily take on contactless mobile payments as well as cash access functionalities in order to appeal to consumers who are using their smartphones on a rapidly growing basis for a large number of their day to day activities.

Mobile Payments PartnershipThe capabilities of these two companies could potentially produce a very powerful mobile payments solution.

The mobile payments wallet platform at Paydiant is software based and functions in both existing and the latest smartphones, which include both Android and iOS devices, in addition to with existing point of sale terminals that are already being used by merchants who are participating in the program. This means that there will not be any new hardware required, according to the Pulse news release.

Paydiant has explained that its new mobile payments solution provides two new capabilities that could make it possible to accelerate the use and the adoption of digital wallets via smartphones, while improving the efficiency of the transaction process and enhance the overall consumer experience within any ATM or retail point of sale environment where this service is accepted. Those two capabilities are: a software-only merchant acceptance interface and a white label digital wallet app.

The executive vice president of product management at Pulse, Judith McGuire, spoke of the mobile payments opportunity and partnership with Pulse by saying that “Paydiant’s platform enables us to offer both our financial institution participants and merchant partners their own branded mobile wallet.” She went on to add that “Paydiant’s unique approach is an important part of Pulse’s overall mobile services strategy.”