The main actors of the market, banks and operators, launch a new service for the fast payments: the mobile payment without contact
The purpose of these new means of payment, multi operators, are to simplify the daily purchases, as well from the point of view of the tradesman as of the consumer.
Concretely, it will be enough to approach with less than 4 centimetres its telephone of a terminal of payment to bakery, to set out again with its rod under the arm, without to have needed to seek the currency in its funds of pockets.
The process, quasi instantaneous, in addition makes it possible to flux the operations in the tradesmen
To simplify the payments of proximity
The payment without contact by mobile phone uses the existing infrastructures of the bank cards. Concretely, one or more applications of payment (for each bank whose user is customer) installed on chart SIM make it possible to regulate all the amounts, with an additional facility:
• In lower part of 20 euros, the customer can, if it wishes it, carry out his transaction without seizing its personal code.
• Above 20 euros, the transaction requires the seizure of the code.
The payment is output bank account with which the application under the same conditions is associated as a credit card payment.
Method 1 for all amounts:
To have specific information in connection with the small payment of your mobile, click here or consult the documentation which was given to you with your mobile.
Method 2:
If the amount is lower than 20€, you do not need to type your personal code. The first passage in front of the terminal without contact is enough to carry out the payment.
If you wish it, you can make the code systematic for any amount while parameterizing it in the small payment of your mobile. To visualize the directions for use of your mobile, click here.
You can change method with the liking of the situations.
Examples of situation:
- You are in the queue of the case. You know that your purchases exceed 20€ and that one will ask you to enter your personal code.
Use the second method and to type your Pin code right before passing in case to save time! It will not remain you any more that to validate your mobile in front of the terminal and you left !
- Are Your purchases lower than 20€? With the first method only one presentation in front of the terminal is enough to carry out the payment !
How to use your TPE without contact ?
You are equipped with a TPE with a terminal without contact, in front of which your customer will present his telephone for the payment.
You can accept any payment starting from the 1st centime. The maximum amount is variable for each customer but will not exceed 500€.
The transactions are treated like the transactions usual bank cards.
In case of doubt about the operation of the terminal without contact or dysfunction, do not hesitate to contact your usual SAV trading
Can a payment without contact be refused ? Yes, if the amount of the unit transaction is higher than 300€ (maximum transmitting ceiling) Oui if the cumulated amount of the payments during one month exceeds the threshold authorized by the bank of the carrier
Yes, by application of the policy of risk management (authorization) by the bank according to the parameters carrier
What to make if a payment without contact is refused ? Propose with your customer to regulate by another means of payment.
What to make in the event of breakage or of flight of my TPE (Terminal Electronic Payment) ? Contact the customer service of your bank
What do I have to make if my terminal without contact does not function? Contact your commercial SAV
When to send the detail of the transactions customers carried out ? Even procedure that which you follow today with your usual TPE.
Will I have additional expenses for these payments ? These payments are subjected to no expenses additional.
Does my customer always seize a personal code ? The customer inevitably does not seize his code for the payments lower than 20€ (with the choice of the customer)
My customer typed 3 erroneous personal codes, which does have to make ? The function payment of the mobile of your customer is blocked. It will have to contact the customer service of its bank. It must present another means of payment to you to regulate you.
What do I have to check during the payment ? The customer must await the end of the light signals and the aural signal of the terminal without contact before withdrawing his mobile. If the customer did not await the end of the signals: the transaction is cancelled. A transaction should then be started again.
Which is the rising minimum of payment ? There is no minimum amount, you can accept any payment starting from the 1st centime.
Which is the maximum amount of payment ? Each customer has a limit which is clean for him. In all the cases, the payments cannot exceed 300€.
Does one need a separate management of my payments per mobile phone ? The payment by mobile does not require a different management compared to the credit card payments.
Can I accept all the foreign charts ? Yes, all the charts without contacts Aimed and MasterCard are accepted.
Can I accept the payments by telephone of foreign customers or bank card without contact ? Your TPE will indicate to you if the operation can proceed. In the case reverses to ask another means of payment.
How can I cancel a transaction ? It is enough for you to follow the usual procedure.
Stages to be followed before being able to pay with your mobile
After having signed your 2 contracts (one with your bank, the other with your operator):
Stage 1: You receive your mobile. You can use all the standard functions of your telephone (call, SMS, multi-media, etc)
Stage 2: In the days which follow, the banking application personalized with your banking coordinates is installed remotely on your new mobile. You will receive a SMS once your data charged assure you that the function payment is available.
Stage 3: You receive a mail of your bank comprising your personal code of payment. This code will be required of you for each purchase higher than 20€.
Stage 4: After having received your SMS and your mail it remains you to activate your application of payment.
You can from now on pay with your mobile !
- During your first payment, the personal code will be required whatever the amount of the transaction.
- You can constantly change your personal code in the small payment of your mobile.
- You can ask for the seizure of the personal code for all the amounts in the small payment of your mobile.
Formulaire Direct de Contact
