ADOTAS – Yesterday, PayAnywhere announced new software developer kits (SDKs) for Android. The service has long been used by iOS developers to offer credit card payment options for in-app purchases. It’s timely news, considering the challenges to make m-commerce more desirable for users, and coming as it does on the heels of last week’s HTML5 mobile payment service announced by ZooZ, which would accept forms of payment beyond credit cards.
PayAnywhere promises a comprehensive set of tools for the developer and business to customize — from invoicing to adding an option for gratuity. It also boasts ease of integration, tons of control over the look, brand and attitude of the service.
Furthermore, the target market for PayAnywhere is business. While ZooZ, for example, is a service that makes it more convenient for consumers to buy things, PayAnywhere prides itself on back-end functionality for businesses.
In an email interview, CTO Gordon Rimac said, “While ZooZ is focused on in-app payments where a customer is required to type in their credit card number which is then stored in the cloud for future purchases, PayAnywhere offers a complete mobile point of sale (mPOS) interface that app developers can use in their apps to process credit cards either by swiping the card through the PayAnywhere reader (attached to an iPad, iPhone, Android phone or tablet, or BlackBerry smartphone), or by keying the credit card number in for a one time transaction. With PayAnywhere a customer’s credit card number is not stored on the device or in the cloud. The PayAnywhere SDK allows developers to build in other mPOS features, such as custom inventory, tax and tip options, emailed customer receipts, and merchant analytics.”
Of course, it has been posited that one of the reasons that m-commerce hasn’t taken off is for concerns of security. PayAnywhere promises encrypted transactions from one side to the other, including a first level of encryption on the card reader itself.
When asked how he envisions the future of mobile commerce as served by services like PayAnywhere and ZooZ, Rimac suggested, “One can imagine field service apps that are newly commerce-enabled, making it easier to for distributors, for example, to take orders, move inventory, track sales and run reports. The revolution is in the ability to take enterprise-grade point of sale features and put them literally into the hands of businesses – from major enterprises to small sole proprietorships.”
So as the internet makes the world smaller, m-commerce is on the horizon to make small business bigger, or at least available to a bigger audience. Could that possibly be a bad thing?