We here in the States aren't always quick to adopt new technology (or in this case, new-ish). Take those little security chips embedded in credit cards. Yeah, we're only just now getting around to using those. Banks are starting to send them out, and retailers are having to update their machines.
So PayPal is now bringing its Here Chip Card Reader to the US. This updated unit accepts chip card transactions in addition to magnetic stripes. Starting next month, merchants who do not accept chip cards will be liable for point of sale fraud unless they update to an EMV terminal.
Several years back this company called Square produced a product that let people accept credit card payments on their smartphones using this portable swiper-thingy that plugs into the device's headphone jack. PayPal saw this and decided that it wanted in on this action, so it produced a similar offering known as PayPal Here. The solution worked with phones, but many businesses relying on such products for point-of-sale like to use tablets instead. Now PayPal Here works with those too.
The PayPal Here app's bright and simplistic UI could possibly pass for one designed by Google, though considering how all over the place that company's apps can be, that's admittedly not narrowing things down all that much.
Amazon is gunning to be the only way you make purchases or transactions. The company already has a great hold on the online side of payments, but it is now expanding into the real world with Amazon Local Register—the answer to Square and Paypal Here with a few competitive advantages.
PayPal's Here direct sale and money transfer service is an admirable rival to the similar Square, and before today its standard Android app was perfectly fine. But you can't deny that it looked a little... iPhoney. Thankfully the second release of the PayPal Here app brings the user interface more in line with other polished Android apps, and throws a little expanded functionality in for good measure.
The whole app has been simplified and streamlined, according to the change log, and customers should now be able to swipe their credit or debit cards at any time during the purchasing process.
Have you ever used Square, the service that lets you accept credit card payments directly on your mobile? It's a pretty satisfying experience to be able to take a payment from anywhere you are, especially for small business owners.
Hey, look! It's that phone.
Not to let Square have all the fun, PayPal is now launching a similar service that it calls "PayPal Here." It's basically just like Square, though at first glance it seems that the app may be a bit more full-featured. Of course, we can't say how good the app is at the moment, since it's not yet available on Android (it's coming in April).