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Tag: Google Wallet

  • Google Wallet Card Is Going Away

    Google launched the Wallet Card in 2013 as a physical card for paying for things with your Google Wallet balance. The company is now alerting cardholders that it will end support on June 30.

    Google says it has decided to end support after careful consideration, saying it wants to focus on making it easier than ever to send and receive money with the Google Wallet app.

    Cardholders can make purchases with the card until June 30, but will no longer be able to add money to the balance from a debit card or bank account after May 1. Money you receive from other will still be added to your balance of course. If you still have money in your balance after May 1, you can keep it there, send it to others, or cash out at anytime for free.

    Google says an email:

    If you’re interested in finding a replacement for your Wallet Card, both American Express and Simple offer debit accounts with similar features, including a card. Plus, we’ve teamed up with them so that Wallet Card users will get an added bonus after signing up.

    As we wind down support for the Wallet Card, we’re excited to continue enhancing Google Wallet to give you the best possible experience when paying friends and family. We’re hard at work on new features, so keep an eye out for those in the coming months.

    Google addresses some frequently asked questions on the subject here.

    Image via Google

  • Google Wallet Lets You Send Money To Any Contact By Phone Number

    Google announced that Google Wallet users can now send money to anyone in their contact list with just a phone number. Users have been able to do so with email addresses in the past, but now you don’t even need that.

    If you choose to send money with a phone number, the recipient will get a text with a secure link from which they can enter their debit card to claim the money and it will appear in their bank account within minutes.

    The feature is available in an update to the Google Wallet app on both iOS and Android.

    Google has also improved contact suggestions in the app. You’ll now see the people you send money to the most first. There’s also an new security feature that lets you lock the app by tapping a button.

    Finally, you can now add a second bank account to the app.

    Image via Google

  • Android Pay Is Now Here

    Android Pay Is Now Here

    Google announced that it is now beginning to roll out Android Pay, its answer to Apple Pay as unveiled at Google I/O in May. The product lets Android users pay securely with their phones at millions of physical locations throughout the U.S. as well as in apps.

    Android Pay also stores gift cards, loyalty cards, and other offers from various restaurants and stores. Partners include best Buy, Coca-Cola, GameStop, Jamba Juice, McDonald’s, Macy’s, Pepsi, Office Depot, Staples, Walgreens, Toys R Us, Whole Foods, Domino’s, Dunkin Donuts, Lyft, Groupon, LivingSocial, Etsy, Priceline, Uber, and Chipotle to name a few.

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    “Android Pay works with all NFC-enabled Android devices (running KitKat 4.4+), on any mobile carrier, at every tap and pay ready location across the US,” explains Pali Bhat, Director of Product Management for Android Pay. “Android Pay will support credit and debit cards from the four major payment networks: American Express, Discover, MasterCard and Visa. These cards are issued by many of the most popular US banks and credit unions, including American Express, Bank of America, Discover, Navy Federal Credit Union, PNC, Regions Bank, USAA, and U.S. Bank. Citi and Wells Fargo will be available in the next few days, Capital One is coming soon, and we’re adding new banks all the time.”

    Here’s the presentation from Google I/O:

    “We know how important it is to keep your personal and financial information secure, so Android Pay is supported by industry standard tokenization,” says Bhat. “This means your real credit or debit card number isn’t sent with your payment. Instead, we’ll use a virtual account number that provides an extra layer of security. As soon as you make a purchase, you’ll see a payment confirmation that shows where a given transaction happened, so it’s easy to catch any suspicious activity. And if your phone is ever lost or stolen, simply use Android Device Manager to instantly lock your device from anywhere, secure it with a new password, or even wipe it clean of your personal information.”

    Android Pay is rolling out gradually over the coming days, and Google says it will be adding more features, banks, and store locations in the coming months. In fact, the mobile checkout functionality in apps, which has been touted since Android Pay’s initial unveiling won’t be available until later this year. Stay tuned.

    Ahead of the announcement, Google launched a new Google Wallet app, which will remain a separate service from Android Pay. More on that here.

    Images via Google

  • Google Wallet Gets A Brand New App

    Google Wallet Gets A Brand New App

    Google launched a new Google Wallet app in the Google Play store. It’s a separate app from the existing Google Wallet app that you already know.

    In fact, if you search for Google Wallet in the store, you’ll still find the old one. 9to5Google, however, points us to the new one, which is labeled “Google Wallet (New)“. The publication suggests that the old version will likely be converted to Android Pay when that becomes available, and the new one will function as the continuing Google Wallet.

    The new one lets you send money to anyone in the U.S. with an email address regardless of whether they have a Wallet account. You can send money directly from your debit card, bank account, or Wallet Balance. You can also use it to manage your Wallet Card, cash out, and keep track of your spending.

    On the app’s page in the Google Play Store, Google notes that the Android Pay app is coming soon.

    Android Pay was unveiled at Google I/O earlier this year at Google I/O as the company’s answer to Apple Pay. Google described it as “the simple and secure way to pay with your Android phone”. It lets you pay for things in stores as well as in apps. Partners include best Buy, Coca-Cola, GameStop, Jamba Juice, McDonald’s, Macy’s, Pepsi, Office Depot, Staples, Walgreens, Toys R Us, Whole Foods, Domino’s, Dunkin Donuts, Lyft, Groupon, LivingSocial, Etsy, Priceline, Uber, and Chipotle to name a few.

    Loyalty programs and special offers are automatically applied at checkout. More on that here.

    Images via Google

  • Google Wallet Expanding As Checkout Option

    Google Wallet Expanding As Checkout Option

    Google Wallet is growing as a payment option as it has now been adopted by both Dunkin’ Donuts and Seamless, which have integrated it into their checkout experiences for Android users.

    “People are ordering food and drinks through their smartphones more and more, everyday,” says Hana Chang, Head of Commerce Platforms at Google. “But having to type all your credit card information through that tiny keyboard can be a hassle. So we’ve joined forces with many of your favorite food and beverage brands to add Google Wallet at checkout, allowing you to place orders in as few as two clicks.”

    “Dunkin’ Donuts now brings its guests a faster way to purchase and recharge their mobile Dunkin’ Donuts Cards in the Dunkin’ Donuts Mobile App on Android,” says Chang. “By simply selecting Google Wallet at checkout, Dunkin’ Donuts guests can recharge their cards with a couple of clicks—no need to type in credit card information anymore. And hungry Seamless customers will start to see the Google Wallet payment option available in their Android app, helping them get their grub – a delicious array of 80+ cuisine types – in a snap.”

    “Google Wallet offers our guests with Android devices another quick and convenient way to load or reload a Dunkin’ Donuts Card within the Dunkin’ Mobile App, to purchase favorite Dunkin’ Donuts food and beverages quickly and get back into their busy day,” said Scott Hudler, Vice President, Global Consumer Engagement at Dunkin’ Brands. “Developing and delivering technologies to enhance guests’ experience, including the Dunkin’ Mobile App, DD Perks rewards program, and eventually mobile ordering, will continue to differentiate our brand as we continue our growth throughout the country.”

    Others using Google Wallet include Papa John’s, Domino’s, Eat24, Panda Express, and Jason’s Deli. Papa John’s implemented it back in November.

    “In today’s digital economy, consumers are increasingly turning to their smart phones for online purchases, highlighting the importance of convenience and payment security,” said CMO Bob Kraut. “Google Wallet was Papa John’s first venture into mobile payments, and now with more than 50 percent of our sales taking place on mobile or computer, the partnership provides our customers a better and more secure ordering experience.”

    Google has been partnering with platforms like Shopify, ChowNow, and Shopgate to get Google Wallet in use at more stores restaurants. ChowNow announced its partnership with Google earlier this week. It brings Google Wallet to thousands of independent restaurants in the U.S.

    “We continue to uphold our mission of helping independent restaurants compete with larger chains by providing them with technology that would be both difficult and cost-prohibitive for them to build themselves,” said ChowNow CEO Chris Webb.

    “The addition of Google Wallet benefits both restaurants and their customers,” the company added. “Rather than manually inputting their credit card number and billing address, customers with an Android phone can simply tap the “Buy with Google” button. As a result of the added convenience and reduced ordering times, restaurants should see increased order volumes, and hence a more profitable to-go business. With 70 million Android phones currently in use the addition of Google Wallet has broad appeal.”

    Google has a list of mobile apps and sites that accept Google Wallet as a payment option here. And don’t forget they offer the Google Wallet card, that lets you use your balance pretty much anywhere.

    Image via Google

  • Google Wallet For iOS Lets You Split Bills

    Google Wallet for iOS will now let you split up bills with your friends, adding a helpful function to an app Google is still hoping will truly take off.

    Google announced the news in a brief Google+ post:

    The days of arguing about how to split the dinner bill are over. With the latest version of Google Wallet on iOS you can pick any charge, add the people you want to split it with, choose how you want to divide it up, and they’ll receive a request for their share of the total.

    The app has been updated with a few other features as well. For one, it now supports Apple’s Touch ID, so users can use their fingerprint to unlock it.

    It also got a general redesign, taking advantage of Material Design, which the company is slowly rolling out to most of its apps.

    Google has been trying to generate more interest from iOS developers, and that will likely extend to Google Wallet, particularly as rival Apple Pay continues to gain support.

    Image via Google+

  • Google Will Give You Money To Refer Friends To Google Wallet

    Google has a new Google Wallet referral program in which it will give users $5 when their friends claim money from them.

    Google explains how it works in a support document (via TheNextWeb):

    You and a friend can each get $5 when you introduce them to Google Wallet. Simply send money (even a penny works) to a friend of yours who doesn’t have a Google Wallet Balance yet. When they claim the money and verify their identity, you’ll each receive $5 in your Wallet Balance within 3 business days.

    When you’re sending money to someone, you’ll see a confirmation message if your transaction applies for this promotion.

    There are some stipulations. Both parties’ addresses have to be in the United States. Both have to verify their identities, and you’ll need to have a Wallet Balance already. It also has to be your friend’s first time creating a Wallet Balance.

    Google will give you a$5 credit for up to 20 referrals. The offer will run until Google sees 20,000 referrals or the end of the month, whichever comes first.

    Image via Google

  • Google Wallet Adds Recurring Bank Transfers, Low Balance Alerts

    Google announced that Google Wallet users can now add money to their balance using recurring bank transfers. The company insists that this is secure.

    Also new to Wallet are low balance alerts that let you know when you’re getting close to running out of money.

    “With recurring bank transfers, adding money to your Wallet Balance takes care of itself,” says product manager Andrew Waterman. “Simply schedule a recurring transfer from your bank account right into your Wallet Balance, and never worry about adding money to your Wallet Balance again. Choose the amount, set a schedule (weekly, bi-weekly or monthly) and you’re all set. Money will be added to your Wallet Balance automatically, and you can cancel your transfer at any time.”

    google wallet recurring bank transfers

    “There are no fees or minimum balance requirements for your Wallet Balance. And rest assured, your money is safe,” he adds. “Your Wallet Balance is backed by 24/7 fraud monitoring and the Google Wallet Fraud Protection Guarantee, which covers 100% of any transactions made without your authorization. If your device is lost or stolen, you can easily disable the Google Wallet app online or by contacting Google customer support.”

    The low balance alerts are pretty self-explanatory. You can turn them on or off.

    If you like to use your Google Wallet Card much, these new features should be pretty handy.

    Image via Google

  • Google Wallet Gets Some New Features

    Google Wallet Gets Some New Features

    Google announced some new features for Google Wallet on Android and iOS, including the ability to manage gift cards and redeem them in stores with the app, request money from friends, and send money with your debit card.

    Google Wallet already offered the ability to store loyalty cards, so the addition of gift cards is the next logical move. You can add cards to Wallet by taking a picture of them or by typing in the card info. Then, you can just show the cashier at the store your phone with that info on the screen. Participating stores include AMC Theatres, Best Buy, Nike, Sephora, Toys R Us, and Whole Foods Market, to name a few.

    It will also store gift cards sent electronically, of course. Those participating in this include Sephora, TGI Friday’s, and Whole Foods, and will have emails with a “Save to Google” option.

    Google Wallet product manager Glenn Thrope says, “For all those times when your friends forget to pay you back for dinner, you can simply request money using the Google Wallet app (for U.S. users, 18 years and older). They will receive a notification and can instantly pay you back. If they need a reminder, you can send them a friendly nudge from within the app. You can also send your friends a message right within Gmail, and request money just like you would attach a picture.”

    “You can now send money for free in Wallet by using your debit card. No more searching around for a checkbook or waiting for your funds to arrive. With Google Wallet, your money is at your fingertips,” he adds.

    There’s also good news for Spanish-speaking users. Those that have the Spanish language settings activated on their devices will start seeing the app in Spanish.

    The update is rolling out this week in the U.S.

    Image via Google

  • Google Gets You Acquainted With Instant Buy

    Google Gets You Acquainted With Instant Buy

    At Google I/O last year, Google launched the Google Wallet Instant Buy API to simplify mobile shopping, and help sellers get more conversions buy speeding up the checkout process. It was originally launched for Android, but Google expanded it to iOS earlier this month ahead of Google I/O 2014.

    Businesses can include a “Buy with Google” button on their mobile sites and apps, making use of the API, and enabling customers to quickly complete the checkout process.

    At I/O last week, Google held a session about the API for developers, and posted the video online over the weekend. Here’s the description:

    One of the top barriers to mobile commerce remains friction during checkout. Google Wallet Instant Buy brings two click checkout to all major platforms: Android, mobile web, and iOS. Besides cross platform support, since last year we have been busy making Instant Buy even better. We’ve worked with developers to make it even easier to integrate and monetize physical goods and services on Android. We’ve listened to buyers and have made using Instant Buy a simpler experience. Whether you are looking to improve your existing app or build the next great mobile commerce app, you’ll want to learn about Instant Buy and how it has improved conversions and sales for developers who are already using it.

    Michael Galpin and Prakash Hariramani are the speakers.

    Image via Google

  • Google Helps You Get More Conversions From iOS Users

    Google Helps You Get More Conversions From iOS Users

    97% of mobile shoppers abandon their shopping carts. That’s a stat Google has been tossing around for about two years (hopefully it’s gotten a little better since then).

    Either way, Google is expanding a feature it launched on Android over a year ago, which it hopes will solve this problem, to iOS. It’s also available for the web. The Google Wallet Instant Buy API lets developers in the U.S. make the checkout process in their apps easier. Here’s a look:

    According to Google, RueLaLa saw a 4X increase in purchase conversion for Google Wallet users on Android after integrating the API. Eat24 saw an 11% higher average order value compared to credit card purchases. Fancy saw a 20% conversion increase on mobile and desktop sites as well as Android.

    Google has been working with partners B&H, Eat24, Fancy, Newegg, Sionic Mobile and Wish to integrate the API into their iOS apps, but access is now open to other developers.

    Image via Google

  • Google Wallet Now Keeps Track Of Your Recent Orders

    Google Wallet Now Keeps Track Of Your Recent Orders

    Google has added a new feature to Google Wallet, which automatically keeps track of users’ online purchases. It appears on the Android and iOS apps.

    It will also notify you about the status of your orders.

    “Once you activate Orders in Google Wallet, you’ll be able to see any receipts sent to your Gmail right in the Google Wallet app,” says product manager Amit Litsur. “We’ve also worked with primary package carriers in the US so that when your order status is updated, you’ll get notified of the update through Wallet. So whether your order is shipped, out for delivery, or delayed, you’ll never wonder about the status of your order.”

    “Google Wallet also makes it easy to see your order history and details of what you’ve purchased all in one place,” he adds. “You can view the products you’ve ordered, merchant contact information, and shipping details in the app. Plus, with just one click you can call or email the merchant if you have questions about your order.”

    2014 has been a relatively quite year for Google Wallet so far, though it did get an update in January making it easier to add loyalty cards.

    Image via Google

  • Ready To Let Google Be Your Bank?

    Ready To Let Google Be Your Bank?

    Google Wallet has come a long way over the past year, and this week in particular, made perhaps its most significant move towards becoming a truly major way to pay for goods and services.

    On Wednesday, Google unveiled the Google Wallet Card, a physical card that consumers can use to pay for things in stores using their Google accounts.

    Do you currently use Google Wallet? Do you trust Google with your money? Do you think the Google Wallet Card is going to catch on? Share your thoughts in the comments.

    Google Wallet Card

    The card is free. That’s a key. If you have a Google Wallet account, you can get a card. Pretty simple. So right off the bat, there’s very little friction in at least getting these in users’ hands (or Wallets, if you will).

    Google suggests that a friend could pay you back money you lent them using Google Wallet, and then turn around and use that money (via your Google Wallet Card) at the store to buy groceries. Just one example of where this card could come in handy.

    Google Wallet product manager Sandra Mariano explains, “Now, you can use the new Google Wallet Card to spend the money instantly, either by purchasing in stores or by withdrawing cash at ATMs, without having to wait for money to transfer from your Google Wallet Balance to your bank account. The Google Wallet Card is a debit card that lets you quickly access your Wallet Balance, whether you’ve received it from a friend or added it directly from a linked bank account or credit/debit card.”

    The card can be used anywhere in the U.S. (so far) where MasterCard is accepted.

    “And don’t forget, there are many ways of spending your Wallet Balance in addition to spending it with the Google Wallet Card,” says Mariano. “You can use your Wallet Balance to send money to friends, purchase on Google Play, YouTube and other products, tap and pay in stores, or transfer money to your bank account.”

    And that’s the thing. Google has already integrated Google Wallet all over the place, particularly on Google services (and I’m guessing you use one or two of those). There’s a good chance you already have this account (even less friction).

    As you probably know, Google Wallet took over for Google Checkout, which launched all the way back in 2006. Google has had about seven years to get Google Wallet accounts racked up. Obviously many sites around the web accept Google payments.

    Checkout officially shut down this past week. If you have been using Google Checkout as a payment option on your site, and haven’t prepared for the change, you might want to watch this video.

    Another big feature Google launched this year was the integration of Google Wallet into Gmail, enabling users to send payments by email, similar to Square Cash, but more limited in some ways.

    You can also now book hotels with Google Wallet, using Google’s Hotel Finder.

    Google Hotel Finder

    A major component of Google Wallet is its ability to simplify the buying process on mobile. A few months back, Google launched the Google Wallet “Instant Buy” API aimed at helping businesses decrease abandonment rates on mobile devices. According to the company at the time, the abandonment rate of shopping carts on mobile is a whopping 97%.

    The Verge hailed the move as “a big play from Google to take its payment service to mobile in a subtle way,” and that’s pretty much a perfect way of putting it.

    “The Instant Buy API is designed for merchants and developers selling physical goods and services, who already have a payment processor and are looking to simplify the checkout experience for their customers,” explained Google’s Prakash Hariramani. “Developers selling digital goods within their apps will continue to use Google Play In-app Billing, which offers full payment processing capability, including support for carrier billing and gift cards.”

    This week, in addition to launching the Google Wallet Card, Google updated the Android app, enabling users to easily add funds to their accounts by taking pictures of their credit and debit cards. It will capture the number and the expiration date automatically.

    A lot of banks already let you deposit checks this way with their mobile apps. How long until you can simply deposit checks into your Google Wallet account?

    The app also now includes a button you can click on to order your Google Wallet Card.

    Google Wallet Card

    As far as adoption goes, Google Wallet only launched for the iPhone two months ago, so that should help it gain some traction. This followed another major update for the Android app, which brought some new loyalty programs with it, as well as the aforementioned email payment method. The iPhone version also includes these.

    Google Wallet iPhone

    Google is often in the news for privacy-related issues, and it stands to reason that some people won’t trust Google with their money. The company just settled with 37 states over Safari user tracking, and even more recently, a German court ruled that Google’s privacy policy violates data protection law.

    Earlier this year, it was revealed that Google Play was sending personal details to developers when users bought their apps on the Play Store. Congress even got involved, and then Google responded by updating Google Wallet to remove personally identifiable information from transactions.

    People will no doubt be wondering if Google is using their Wallet Card transactions for other purposes. Keep in mind recent reports that Google is testing tacking consumers through the physical world to give data to advertisers. That’s with smartphones. With the Wallet Card, Google has found yet another way into your pocket.

    Google has shown it is taking payments seriously with a series of aggressive moves in 2013. I expect we’ll be seeing quite a few more over the coming year.

    Google had an April Fools’ joke this year about launching the Google Wallet Mobile ATM that you can plug into your smartphone and get cash.

    Google Wallet Mobile ATM

    I don’t know if we’ll be seeing anything quite that revolutionary from Google Wallet anytime soon, but Google obviously has some interesting ideas.

    So how about it? Are you going to be a Google Wallet Card carrier? Do you use Google Wallet for any kind of transaction on a regular or non-regular basis? Tell us about how you use it or why you don’t.

  • Google Wallet Now Lets You Add Credit/Debit Cards By Snapping Pictures

    Google Wallet Now Lets You Add Credit/Debit Cards By Snapping Pictures

    Earlier this week, Google unveiled the Google Wallet Card, a physical card that you can use to pay for things at stores using your Google Wallet account.

    Google has now updated its Google Wallet app for Android, adding another big feature. You can now add credit and debit cards to your account by taking pictures of them.

    “Add a credit/debit card just by taking a picture,” Google says in the What’s New section on Google Wallet’s Google Play page. “Both the number and expiration date will be captured automatically.”

    The Google Wallet Card is free. Another feature of the latest update is a direct line to getting one:

    Google Wallet Card

    Also included in the update are some minor bug fixes and performance improvements.

    [via Android Guys]

    Image: Google Wallet

  • Google Wallet Card Lets You Spend Your Google Money Pretty Much Anywhere

    Google unveiled the new Google Wallet Card today. This is a physical card that you can use to pay for things using Google Wallet.

    Google uses the example of your friend paying you through Google Wallet, and you using the card to pay for groceries.

    “Now, you can use the new Google Wallet Card to spend the money instantly, either by purchasing in stores or by withdrawing cash at ATMs, without having to wait for money to transfer from your Google Wallet Balance to your bank account,” explains Google Wallet product manager Sandra Mariano. “The Google Wallet Card is a debit card that lets you quickly access your Wallet Balance, whether you’ve received it from a friend or added it directly from a linked bank account or credit/debit card.”

    Google Wallet Card

    The card can be used anywhere that accepts MasterCard in the U.S.

    “And don’t forget, there are many ways of spending your Wallet Balance in addition to spending it with the Google Wallet Card,” says Mariano. “You can use your Wallet Balance to send money to friends, purchase on Google Play, YouTube and other products, tap and pay in stores, or transfer money to your bank account.”

    When you use the card, you’ll get notifications on your phone about the transactions.

    The card is free for users, and there are no annual fees. You can order one from your Google Wallet app (via an upcoming update) or from your Google Wallet account online.

    On a related note, Google Wallet has added new loyalty programs from Amtrak, Avis, California Pizza Kitchen, Orbitz, The Body Shop and Walgreens.

  • Google Explains Wallet Objects Concepts (Templates, Classes, Objects)

    Google has put out a new informational developer video about the Wallet Objects platform, discussing templates, classes and objects.

    Google developers Maru Ahues Bouza and Peng Ying give you an in-depth overview.

    The two recently discussed the Wallet Objects API Java quick start in another video, which you can watch here.

    When Google launched the new Wallet app in September, it announced some new loyalty programs, which take advantage of the Objects API, which itself, was launched earlier this year.

  • Google Hotel Finder Finally Gets Ability To Book Reservations From Your Phone

    Google launched Hotel Finder back in 2011, and now, they’ve finally added the ability to book hotels from your mobile device. This seems like a pretty key feature to have in such an offering, but better late than never, right?

    Now, if you go to google.com/hotels on your phone, you can search, filter your results and book your hotel through one of Google’s partners.

    Google Hotel Finder

    “You can filter the search results by price, hotel class, user rating and distance,” says product manager Maciek Nowakowski. “Select a hotel to learn more: photos, hotel amenities, reviews and its location on a map can all be conveniently accessed from the same page. You can also save hotels that appeal to you into a short list for easy comparison by pressing the star.”

    You can use Google Wallet to book the reservation if you find the “Buy with Google” button, but if you don’t use Wallet, you can still just enter your payment info.

    While Hotel Finder is available in over 100 countries, the new booking capability is only available in the U.S. for now.

    Image: Google

  • Here’s A Lesson On The Google Wallet Objects API Java Quick Start

    Google has put out a new Google Developers Live video on YouTube discussing the Wallet Objects API and how to get started with their Java quick start sample. This is designed to help developers get started with their integration quickly.

    It showcases authorizing access, inserting a new Wallet Objects class, using the Saved Wallet API and using the web service API to enable instant sign-up and linking from the Google Wallet app.

    When Google launched the new Wallet app last month, it announced some new loyalty programs, which take advantage of the Objects API, which itself, was launched earlier this year.

  • Google Checkout To Shut Down On November 20

    Back in November 2011, Google announced that it was retiring Google Checkout in favor of Google Wallet. After that announcement, Google Checkout remained operational for another year and a half until Google announced in May of this year that it was no longer accepting new signups for the service. It also said the service would permanently shut down in six months, but now we have an actual date.

    Google announced that Google Checkout will shut down once and for all on November 20. Google says the “decision was not made lightly,” but it felt that its “focus is best concentrated on other areas of the payment space.” It knows that a number of online businesses will be impacted by Google Checkout’s closure, and Google has a few options for all retailers that used its service.

    Before we get to that, however, you’ll need to know the timeline of Google Checkout’s demise. First, the service will shut down on November 20. This will be the last day that merchants using Google Checkout will be able to charge orders. A day later, on November 21, will be the last day merchants can ship orders. After that, all outstanding orders will be canceled on November 27. Finally, merchants have until December 20 to process refunds.

    So, what is Google doing to help merchants transition away from Google Checkout? For starters, it wants any and all merchants selling goods through Google-hosted marketplaces (e.g. Google Play) to know that they will remain unaffected through all of this as all transactions will automatically switch over to Google Wallet if they haven’t already. As for merchants selling digital goods, they can also easily switch to Google Wallet. You can find out more here.

    The only merchants getting the short end of the stick here are those who sell physical objects as Google will not be replacing Google Checkout with a comparable service. Instead, Google has teamed up with three third-party alternatives to offer Google Checkout refugees discounted services:

  • Payment Processing: Braintree Payments
  • Hosted storefront: Shopify
  • Email invoicing: Freshbooks
  • While Google Wallet can’t serve all the needs that were fulfilled by Google Checkout, the company does have two services that it wants merchants to use for their business:

  • Google Wallet Instant Buy: Quick and easy payments on mobile, desktop, and in-app
  • Google Wallet Objects: Digital commercial objects and stronger third party issuer-consumer relationships
  • Before merchants can start replacing Google Checkout, they’ll have to remove it from their Web site first. To help out with that, Google has a number of helpful tutorials that cover every level of Google Play integration from email invoicing all the way to custom built integration through HTML/XML. You can learn more here.

    If you want to learn more about Google Checkout’s death or what to do with your current Web site, you’ll want to check out Google’s exhaustive FAQ here.

    [Image: katokazu/YouTube]

  • Time To Start Letting Customers Pay You By Email?

    Time To Start Letting Customers Pay You By Email?

    There is a lot of innovation happening in the payments space, and the competition is heating up at a greater place than ever before. New products from PayPal and Amazon show great potential, and Google continues to expand its Wallet offering. Even Facebook has aspirations of making a mark in the space, but today, I want to talk about a company that has arguably made a bigger impact in a quicker amount of time on businesses (at least when it comes to consumers paying small businesses) than possibly any of these.

    That company is Square, and this week, it launched a new offering that just might be the simplest way to make an online payment to anyone, including businesses, that there is.

    Have you used Square in the past? Do you intend to? Let us know in the comments.

    Square is quite well known these days. Launched just a few years back, Square was already being used by 1/8 of merchants in the U.S. who were accepting credit cards by the end of 2011. President Obama’s campaign was using it for donations. Cabs started using it. By June, Square was in use by over 20,000 retailers. It later scored a major mainstream deal with Starbucks, while also continuing to cater to its small business roots. It now has gift cards, Passbook integration, and much more. Founder Jack Dorsey even appeared on 60 minutes earlier this year to talk about Square. The segment was titled “The Innovator,” if that tells you anything.

    Suffice it to say, Square now has the brand recognition it needs to get the masses on board with new offerings that make their lives easier.

    And that was before Square had a payment product that makes things as simple on consumers and businesses as paying for and accepting payments by email. That’s what Square launched this week in Square Cash.

    Square teased the offering back in May, offering it on an invitation-only basis, telling people to “forget the ATM”. The offering is now live for anyone with a U.S. debit card. It lets anyone transfer money via email for free without even having to sign up for an account.

    Just send the recipient an email, Cc [email protected], enter the amount you wish to send in the subject line, and attach a note in the body if you like. Send it, and Square will send you a reply asking you to link your debit card. After you do that, the recipient will be emailed a link to deposit the money you sent them into their own bank account.

    Square Cash

    “Square has always believed in creating solutions for individuals and businesses that work with the tools they already have in their pocket,” said Square Cash lead Brian Grassadonia. “Square Cash makes it convenient to send money to anyone—without making them jump through hoops to retrieve it. Now it’s easier than ever to split a bill, send a birthday gift, or settle up with a friend, no matter where you are.”

    It works from any email client, and any device (phones, tablets, desktop). This gives it a significant leg up over some other competitors, at least for the time being. If you’ll recall, Google recently launched a feature that also lets you send payments by email via Google Wallet. It’s only for Gmail though, it’s only for desktop so far, and it hasn’t even rolled out to all users yet. Plus, there’s a transaction fee.

    Google Send Money

    While they’re not really necessary, Square Cash also has Android and iOS apps, just in case you like a pretty interface to go along with your email sending.

    Square Cash

    Square Cash

    Square Cash for Android

    Square Cash

    Square Cash

    Square Cash isn’t without its drawbacks. It doesn’t support credit cards, for example. According to Daniel Bean at Yahoo News, who offers up a nice feature comparison among Square Cash, Venmo, PayPal and Google Wallet, “The weekly limit is $250 unless you link a mobile phone number and Facebook account, or verify your full name, part of your Social Security number and date of birth — then it’s raised to $2,500.”

    Apparently people in Hawaii and Tennessee (and the rest of the world outside of the U.S.) can’t use it to send cash yet either.

    But that’s not a whole lot of friction, and some issues may go away in time. Availability will almost certainly be expanded in time. Square itself recently expanded into Japan.

    Square has already won over countless businesses with its simplicity. It’s hard to imagine that many of them won’t simply start taking payments by email via Square Cash. Forbes contributor Joshua Steimle wrote this week about his experience already using it to pay $500 to a contractor.

    “Based on the experience I would have to say the credit card industry as we know it is dead. Or at least soon will be,” he wrote.

    Pretty bold words.

    He says that after sending the email, his contractor received an email asking for her debit card info, and after putting that in was just waiting for the money to show up in her bank account, but pointed to a comment from a Twitter users saying they had received money in just three hours:

    “Why is Square Cash the end of the credit card companies?” writes Steimle. “It’s not just Square Cash, it’s what Square Cash represents–the ability to transfer dollars quickly and easily without fees. Square Cash may be the face today, but it will be 20 other companies tomorrow, unless the credit card companies start lobbying Washington to change the regulations on these types of transactions ‘for our protection.’”

    And that’s just it. Even if Square itself doesn’t become the go to service for the majority, it’s clearly on to something huge here with Square Cash – something that is going to have a major impact on consumers and businesses alike.

    Your move, other payment platforms.

    Do you see Square has having a major impact with this new offering? Let us know in the comments.

    Images: Square

  • Google Wallet Finally Available For iPhone

    Google just announced its first Google Wallet app for iPhone, which is available for iOS 6 and up. It’s interesting that they waited until IOS 7 was released, if 6 is supported as well, but either way it’s here now.

    The release follows a major update to the Android app, which brought some new loyalty programs with it, as well as the ability to send money to people by email.

    The iPhone app also includes this functionality.

    Google Wallet iPhone

    In fact, the app appears to pretty much mirror the features of the Android app, including the same loyalty program offerings, and access to Offers .

    “In addition to all of your loyalty cards, you can save money with offers in Google Wallet whether you found them on the Google Maps app, Google Search, or Google Offers,” says product manager Brian Kravitz. “Starting today, you can also save offers to Google Wallet directly from merchant or couponing sites such as Valpak.com. Redeem all of your saved offers by showing your Google Wallet app to the cashier at checkout.”

    It does leave out the NFC feature, as some pointed out, due to the iPhone’s lack of support.

    The app will be available today in the App Store.

    More on the new loyalty programs here.

    Image: Google