Small Payments Everywhere

[Faheemkhatri4]

The coronavirus pandemic is over, but Bethel cab driver Choon Chung still wants his business to come back. He and fellow drivers at Kusko Cab are worried about their bottom line after Uber and Lyft cut their fares during the pandemic.

But what if a few dollars saved on a ride were worth your time?  

소액결제 현금화
1. Tip in a Jar

A tip is a small payment that can make a big difference to the take-home pay of many service industry employees. With the rise of third-party delivery and contactless payment options, however, tips are increasingly less common. This has caused some restaurants and other businesses to employ a wide range of creative strategies to encourage patrons to leave an extra dollar in the tip jar. From humorous puns to interactive polls, these creative ideas are designed to engage and delight customers while increasing employee earnings.

While a classic mason jar is the most commonly used tip jar, there are plenty of creative ways to dress up this simple container. Using a themed design like “Paris savings,” for example, can make the jar more recognizable and help boost tips. Similarly, a jar themed around a favorite movie or character can inspire people to donate. Including fun and quirky designs on the tip jar itself can also increase interest in the device.

Another way to get the attention of customers and encourage them to contribute is to add a fun question to the sign-in screen asking what they’d like to tip. Whether they choose a preset amount or decide to customize their tip, this option is an easy and effective way to increase the amount of tips at the point of sale.

Humor can also be an effective tool to use with tip jars, especially when it involves silly puns or dad jokes. For example, a jar themed to look like the famous mullet from It’s A Wonderful Life may spur more tips than one that simply asks for a few dollars.

Incorporating a trivia question related to the establishment or its employees can also help to entice customers to contribute. Guests who contribute a tip can then write their name and contact information on a slip of paper, which will be entered into a raffle at the end of the day or week. The winner of the raffle will receive a prize or discount. This is an easy way to increase customer engagement and incentive while making the process of paying in cash much more seamless for guests.
2. Pay with a Credit Card

Credit cards are almost universally accepted, but for cab riders, they're less convenient than, say, paying with cash. That's changing. Most cities require cabs to have card readers, and these are basically mobile versions of the terminals that brick-and-mortar retailers use. Payment service providers like PayPal, Stripe and Square offer them for a much lower fee than banks charge for merchant accounts. The technology makes it much easier for cabbies to accept credit, and as long as the readers are in the back seat, they're also safer because passengers can't easily install a card skimmer in them.

New York cabbies howled when the city began forcing them to take credit cards in 2007, but now many of them are thriving. Fares have been stable, and tips -- traditionally an early casualty of economic slowdowns -- are up. Some of the cabbies now recommend preset tip amounts to passengers, which they choose on an in-cab screen. In Washington, DC, a local tech startup, AirsMobile, and USA Cabs recently installed the first smart meter and e-hail system designed to meet new taxi commission regulations, using PayAnywhere.
3. Pay with a Mobile App

Whether it's to split a bill at a restaurant or to send money to friends and family, mobile payment apps make this task simple. These digital platforms let you link your debit card to an online account and allow you to buy and send funds directly from the app. Many also offer additional features such as loyalty programs and discounts that can appeal to customers.

These digital platforms can help your business save time and money by eliminating the need for a physical credit card terminal. Instead, you can use an iPhone or Android device to process payments. This can be an especially valuable feature for small businesses that may not have access to a traditional merchant account.

Some mobile payment apps operate as a digital wallet that stores your payment cards, while others are linked to a bank account and deduct the amount from your available balance each time you use the app. You'll need to input your card number and other information into the app to link it with your bank, and you'll often have to verify that you are the owner of the card by entering a PIN or using biometrics like face or fingerprint scanning to complete each transaction.

Another mobile payment option is Chirpify, which allows you to make purchases within the major social networks by saying "buy" or "donate." The system can even handle recurring subscriptions for services such as music streaming or online games.

While these new options can offer convenience for both consumers and businesses, it's important to remember that mobile payments are still a relatively new technology. As a result, glitches and technical issues can occur from time to time. When choosing a mobile payment app, look for one with a proven track record and a reputation for reliability. Also, be sure to check the security features of each application to ensure that your personal information and credit card data are protected. The best mobile payment apps encrypt your card details and only share a tokenized version of the card to complete transactions, which renders card-sniffing attacks virtually impossible.
4. Pay with a Tap

Cash once dominated the payment landscape, but now it’s second to debit and credit cards. In fact, during the COVID-19 pandemic, tap to pay became even more important as it provided fast, secure and convenient ways for customers to make small purchases in-person—and not spread germs.

Using near field communication, or NFC, tap to pay allows consumers to use their contactless credit cards and mobile wallets to make a payment by simply tapping them or hovering them within a few inches of the terminal. These taps can be made at your point-of-sale (POS) terminal or through your app on their smartphone or wearable device.

The popularity of contactless payments is on the rise. During 2021, contactless transactions increased by up to ten times compared with the previous year. In addition to speed and convenience, these types of cards provide more reliability than magstripe or EMV chip cards, which can take multiple attempts to work at a merchant’s card reader and contain components that can eventually wear out after repeated use.

If you’re an entrepreneur or micromerchant, you can quickly and easily offer your customers the option to tap to pay using a simple and intuitive mobile app called Tap on Phone. It lets you accept any contactless card or digital wallet right on your iPhone, with no extra hardware needed.

Tap on Phone is perfect for a variety of small businesses, including coffee shops, grocery stores and pharmacies. Plus, it enables you to spend more time focusing on your customer experience—which is especially important when attracting millennials and Gen Z shoppers who rely on their mobile devices as their main form of payment.

In fact, 47% of customers in a recent Visa survey said they won’t shop at stores that don’t offer tap to pay. Whether they’re buying their morning cup of coffee or stocking up on groceries, your customers want the freedom and convenience that comes with tap to pay.

To get started, all you need is a contactless-enabled UCCU debit or credit card or a card that’s already loaded into your mobile wallet—including Apple Pay or Google Pay. You can also enroll in OMNY, the new regional contactless public transportation system that will combine fare payments and ticketing across subway turnstiles, AutoGates and buses.