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Amazon invests a new niche. The giant online retailer is selling on its website a small credit card reader that can fit on a smartphone or tablet, with which you can pay for purchases, inserting his card. The device comes with a mobile application.
This system, called Amazon Local Register, is available to small traders. It is currently only available in the United States. The card reader is sold 10 dollars, but the amount is refunded when the trader starts using the system. Amazon then earns a commission of 2.5% on the amount of payments made through the drive. However, the giant has made a promotion for first-time users and lower the rate to 1.75% until 1 st January 2016 for marketers who register before October 31. If the merchant does not use the drive, but only returns the coordinates of bank cards in the mobile application, Amazon commission rises to 2.75%.
With this product, Amazon comes into direct competition with PayPal, who presented his reader last year, or Square, a startup founded by Jack Dorsey, also co-founder of Twitter. But this cash a higher commission: 2.75% if the trader uses his reader, and 3.5% plus 15 cents for any transaction where the bank data flows through the application. This strategic move from Amazon could force Square to revise its tariff policy.
In France, several banks have already launched their own solution. Banque Populaire Caisse d’Epargne (BPCE) has announced Dilizi earlier this year, a service transforming the smartphone or tablet from merchant cash register enriched integrated services (customizable product catalog, transaction log, relationship management client, etc.). The bank charges a commission of 2% on the amount of sales.
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