Over on Payments Views, Glenbrook's Allen Weinberg has a post about "Green Dot's New Mobile-Optimized Bank Account". Allen went to the product launch event and came away thinking that GoBank is not only a new brand almost a new product category. "What I found most interesting was Green Dot’s focus on the 'unhappily banked' and those new to the banking system, like my two teenage sons."

PayPal's parent eBay announced financial results for 4Q2012.

PayPal's active account growth accelerated to 15% and ended the year with approximately 123 million registered accounts. PayPal added nearly 2 million accounts a month in the fourth quarter, representing the company's fastest active account growth rate in years. Net total payment volume (TPV) increased 24%, producing revenue growth of 24%.

eBay reported that the PayPal 'take rate' was 3.72% in 4Q2012, down from the prior quarter, but up 1 basis point from a year earlier. Transaction expenses were 1.03%, down 1 basis points from a year earlier. The loss rate was 0.28%, up 1 basis point from a year earlier.

Zipmark has announced the national availability of its secure digital check payment platform, the first online and mobile payment system designed to deposit guaranteed funds into a business's operating account on the morning of the next business day.

"Zipmark secure digital checks improve the way small businesses send and collect money from their customers by bringing check payments into the 21st century," said Jay Bhattacharya, CEO and co-founder of Zipmark. "Zipmark is as much a risk management platform as it is a payment platform. We take on the risk of the transaction and guarantee funds to billers."

Zipmark's transaction fee is only 1% with a $5 cap.

JPMorgan Chase has reported financial results for the fourth quarter 2012. Highlights for Card Services include:

• Net income was $840 million, a decrease of $211 million, or 20%, compared with the prior year. The decrease was driven by higher provision for credit losses and higher noninterest expense.

• Net revenue was $4.8 billion, flat compared with the prior year. Net interest income was $3.5 billion, down $45 million, or 1%, from the prior year.

• Credit Card sales volume (excluding commercial cards) was $101.6 billion, up 9% compared with the prior year and 5% compared with the prior quarter; Card Services general purpose credit card sales volume growth has outperformed the industry since the first quarter of 2008.

Merchant processing volume was $178.6 billion, up 17% from the prior year and 9% from the prior quarter; total transactions processed were 8.2 billion, up 21% from the prior year and 11% from the prior quarter.

On the web:

• MissionFish changes name to PayPal Giving Fund - Third Sector
• Shazam Launches Debit Card App for Smartphones and Tablets - American Banker
• European Stripe Clone 'Paymill' Raises $13M - TechCrunch

On the wires:

• Fujitsu Integrates Mobile and the In-Store Shopping Experience With the U-Shop Mobile Application
• WorldPay US to Enable PayPal In-Store Checkout for Business Owners
• Canadian Payments Association Issues RFC on Final Checking Imaging Rules