eCOM payments are an integrated solution, enabling merchants with an existing webshop to accept mobile payments from the consumer app by connecting our merchant API to their e-commerce platform.
Consumers can make purchases via QR codes (desktop), or click-to-pay (mobile), and customer data (name, funding source, address etc) can be shared automatically with the merchant, simplifying online purchases for users and increasing conversion for webshops.
An alternative integration enables web shops to be exposed directly in the consumer app’s marketplace. This enables users to access webshops directly in the app. Customer data and payment is taken care of with one tap, with no other confusing payment options.
All payments made within the consumer app automatically generate an electronic receipt. Depending on the merchant and integration type, the actual purchase receipt with line item details can be made readily available in the consumer app.
Thanks to the data sharing capabilities of the system, merchants can identify users and combine mobile payments with any existing loyalty scheme. Loyalty can be extended to include a dialogue back to the customer via the consumer app as offers, coupons or a simple text message.
Integrated settlement and reporting
The merchant API gives access to transaction and settlement reports, enabling merchants to set up automated reconciliation.
Funding source management
The consumer app supports any funding source, including accounts, cards, lines of credit and prepaid. Users can add, remove, rename, edit and charge all funding sources at their disposal from one consolidated view.
Data sharing and permissions management
The system collects and manages a wide variety of user data, ranging from customer identity to transaction history. Before, during or after a transaction, data points such as loyalty ID, name, address, balance and purchase history can be shared.
This data can be used by the merchant to create personalised shopping experiences and automate future interactions. Users are, however, free to turn on/off sharing permissions for individual merchants (and for specific data points) inside the consumer app.