Mobile payment - girocard here too.

girocard the universal payment standard. Mobile payment is opening up new areas of application.

Mobile payment - wherever payment is made.

When people talk about mobile payment, they usually associate it with paying by smartphone at the checkout. However, the functionality means much more than that and encompasses a growing variety of acceptance points. From smartphone payments at terminals and in-app purchases to integration into banking apps and OEM wallets, mobile payment is set to cover a wide range of payment options in the future, creating a consistent payment experience across all channels. The goal is for customers to only need one card payments in the future: girocard.

A fast, contemporary payment experience.

Mobile payment offers customers maximum convenience and efficiency. The smartphone is always at hand and becomes a digital wallet thanks to the integration of mobile payment. This convenience - combined with the ability to pay even the smallest amounts without cash - makes mobile payment a particularly attractive solution. With an average of just 11 seconds per transaction, it is the fastest payment method, which significantly reduces waiting times at the checkout and makes the checkout process even more convenient and efficient.

Implement mobile payment without additional effort.

Do you accept contactless payments? If so, smartphone payments are already possible at your terminal. All terminals that enable contactless payments with physical cards can also automatically card payments via smartphones or other wearables such as smartwatches using card same card stored there. Your customers simply need to hold their device up to the terminal. A PIN entry is no longer necessary, as users have already unlocked their device beforehand (usually through biometrics, such as facial recognition). The payment process is therefore even easier than with a physical card.

This is how mobile payment is evolving.

The future of mobile payment lies in the seamless integration girocard all relevant payment contexts. In addition to its established use at the point of sale, girocard is to be made girocard more widely available for remote payments. In addition to its availability in Apple Pay, girocard will also be Sparkassen into other wallets, such as Google Pay, and into the banks' and Sparkassen own apps girocard . This will give customers the freedom to choose the mobile payment solution that suits them best.

Future prospects for e-commerce.

The integration girocard e-commerce opens up promising prospects. With its unique market presence , girocard market presence enormous girocard for online payments. Thanks to its integration into Apple Pay, Sparkasse customers can Sparkasse use their digital girocard for online purchases, which significantly simplifies and speeds up the payment process. Already 57% of all online purchases are made via smartphones – in this respect, this development is in line with the trend towards mobile shopping. For the retail sector , the possibility of accepting girocard in e-commerce girocard retail sector an expansion of the payment portfolio. In addition, merchants benefit from attractive conditions and an optimized cost structure in payment services.

Soon also in retailer apps.

In the future, customers will be able to use their girocard not only via wallets such as Apple Pay, but also directly in retailers' apps. Integration into merchant apps enables payment by scanning an optical payment code at the point of sale or by storing girocard in-app purchases, for example. This opens up new POS-related areas of application that cannot yet be served today, including click & collect in retail, delivery and mobility services, pay@pump at gas stations, and self-checkout in restaurants.

Payment by app means added convenience for customers and enables retailers to create customized, cross-channel payment processes.