On the web:

• Trustev Tackles E-Commerce Identity Fraud With An Online Fingerprint Made From Social Signals And More - TechCrunch - "Trustev … has developed a product to tackle online fraud using an algorithmic system of social signals, behavioral data and transaction history…"
• PayPal expands further into stores, but Wal-Mart holds out - Reuters - "PayPal's expansion into brick-and-mortar stores gives the company access to a market that is roughly ten times the size of the online payments sector..."
• Payments Network Dwolla Raises $16.5 Million Series C From Andreessen Horowitz & Others, Expands To San Francisco- TechCrunch - "The legacy payments networks in existence today are bogged down with outdated technology, slowing progress…"
• Payment Services Firm Qiwi Eyes $100 Million In IPO - Investors.com - "Qiwi is a leading provider of next-generation payment services in Russia and the Commonwealth of Independent States."
• RetailNext Raises $15 Million More to Track Your Every In-Store Move - PE Hub - "Our focus is on taking analytics happening online and providing it to physical retailers."
• It's Time for Better Online Authentication Solutions - Portals and Rails (FRB Atlanta) - "Improving authentication techniques and requiring their use are critical to better mitigate online account takeover risks."
• The Elephant in the Payments Room - American Banker - Jon Matonis - "Disruption in the unit of account is the way to disrupt the payments space."
• 4G will boost mobile payment uptake, says MasterCard - V3 - "The rise in 4G networks will help usher in a new wave of innovative mobile payment services for businesses to offer customers…"
• Chase Visa deal and SDWOANAF: where potential and confusion meet - Mobile Payments Today

On the wires:

• The UnionPay Travel Prepaid Card Launched by The Bancorp - "Though the card is targeted to those planning to travel to Asia, the card will be accepted within the US wherever UnionPay cards are accepted."
• ROAM Releases RP350x: World’s First PCI-PTS certified Chip and Signature Mobile Card Reader - "The reader provides a low cost solution for enabling Chip and Sign payment acceptance…"
• VeriFone Enables Channel Partner Success with New EMV-Capable, Portable and Mobile Payment Solutions - "VeriFone is committed to enabling channel partner success in a rapidly evolving market by providing EMV-capable, portable and mobile solutions…"
• TriSource Solutions Introduces First End-to-End Merchant Aggregation Processing Solution During ETA - "The increased functionality of our merchant acquiring platform can get PSPs and PFs up and running in record time…"
• Leaf Announces a Better Way to Sell Merchant Credit Card Processing - "Leaf’s open approach to payments offers a seamless reseller option for our partners to empower their sales teams with a new, competitive solution…"

On the web:

• PayPal Hits The Mall: eBay's Baby Takes On Google, AmEx And Apple At Cash Registers - Forbes (Clare O'Connor) - "The aim is for shoppers to be able to use PayPal at the cash register in two million stores by the end of 2013."
• Banks Urged to Put Limits on Payday-Style Loans - NY Times Dealbook - "Federal regulators on Thursday admonished some of the nation’s largest banks for offering payday-style loans, short-term costly credit tied to customers’ checking accounts."
• Google Think Insights: The Customer Journey to Online Purchase - "This tool helps you explore and understand the customer journey to improve your marketing programs."
• CGAP: Exploring Alternative API Product Concepts - "CGAP’s work in Applied Product Innovation (API) aims to understand how customer-centric design methodologies … could be tailored to branchless banking in order to achieve better financial service offerings for the poor."
• Medagate's health card combines incentives with functionality - Drug Store News - "...enables employers and health plans to combine a member/employee healthcare funding purse with a restricted-spend purse for targeted items and incentives…"
• Bank Customers Want A Seamless Experience (My Foot) - Snarketing 2.0 - "Consumers want things to work. Period."
• Banks use mobile phone history to determine credit rating - Springwise - "Cignifi’s new platform offers what it claims is the first to deliver credit and marketing scores for consumers without credit histories using mobile phone behavior data."
• Online Shopping, With Sales Tax Added - NY Times Bucks Blog - "Shoppers will now have to figure in sales tax when they are deciding whether it is better to buy a particular item online or in a brick-and-mortar store."
• The Mysterious World of Bitcoin: Does It Have Staying Power? - Knowledge @ Wharton - "Bitcoin has all the hallmarks of a classic speculative bubble..."
• Are QR codes losing their magnetism? - Mobile Marketer Daily - "Brands don't want to place a generic black and white box all over their creative…"
• Infographic: Mobile Devices Overtake Daily Life - "On average, people check their phones 150 times a day or every 6.5 minutes…"

On the wires:

• GateCrafters Now Offers Bill Me Later Payment Option - "We hope this option will give customers more peace of mind when purchasing big ticket items."
• Co-Op to Offer Enhanced Member Control of Cards Via New Mobile Card and Alert Product - "…the product to be offered by CO-OP will provide a range of services, including allowing members to set controls and alerts based on their preferences, such as transaction type, merchant, location and thresholds."
• Blackhawk Announces First Quarter 2013 Financial Results Consistent With Estimates Provided in Prospectus - "Demand for our prepaid products was strong during the first quarter as load value reached $1.6 billion, up 23% year-over-year..."
• Merchant Warehouse and LevelUp Announce $1 Million Development Fund - "LevelUp and Merchant Warehouse want to give more merchants the opportunity to extend the reach of their brand and tap into a wealth of customer data to help them grow their businesses."
• Accenture Survey Identifies Actions to Increase Consumer Adoption of Mobile Payments - "For mobile payments to achieve widespread adoption, consumers must be educated about the fact that mobile payments are secure and more convenient than other payment options."
• TSYS Merchant Solutions to launch TSYS Multi-Currency Solutions - "Pay in Your Currency, gives eligible international customers the choice of paying in their home currency at the point of sale, offering significant benefits to TSYS merchants and their customers."
• WorldPay, VeriFone Expand Efforts to Bring NFC/EMV-Ready Payment to Merchants - "VeriFone and WorldPay collaborate in crucial areas to deliver the right payment solutions to merchants…"

On Twitter (follow us: @paymentsnews):

Banks,merchants,3rd parties all want to control mobile wallet experience. Don't consumers want to control their own experience?#PAYMENTS2013

— gschmeltzer (@gschmeltzer) April 23, 2013

Metaphor of the day: USAA exec compares MCX to the boat in "Life of Pi" #payments2013

— Aaron McPherson (@aaronmcpherson) April 23, 2013

Why can't the US have an FPS? They have laser beams and transistors and things don't they, same as us? #NACHA

— Dave Birch (@dgwbirch) April 23, 2013

50+% of all deposits are via mobile says Andrew Collins from USAA #payments2013 @chyppings

— Lanny Byers (@lannybyers) April 23, 2013

On the web:

• How Not to Install an ATM Skimmer - Krebs on Security - "Experts in the United States and Europe are tracking a marked increase in ATM skimmer scams."
• Macworld’s Transcript of Tim Cook’s Remarks on Today’s Earnings Call - Daring Fireball - "So he’s not talking about a new iPad or iPhone, he’s talking about an entirely new leg on the stool."
• Apple's Tim Cook on Mobile Payments: 'It's In Its Infancy' - MacRumors - "While he didn't address the topic directly, he did note that the mobile payments were "just getting started" and still "in its infancy."
• Payment Platform Startup ZooZ Raises $2M Series A To Add Product Functionality & Build Global Presence - TechCrunch - "The startup says that its user-friendly checkout platform helps prevent cart abandonment by frustrated mobile shoppers." (Zooz website)
• Passbook is standard for mobile wallets: Sumotext exec - Mobile Commerce Daily - "What I do like [about Apple] is that they didn’t wait for all of the payment stuff to shake out…"
• How Apple and Amazon Will Shape Mobile Payments - Bank Systems & Technology - "Although Apple already has a bridgehead into the payments business thanks to iTunes, experts seem to think Apple will refrain from entering the mobile payments business."

On the wires:

• The Center for Financial Services Innovation Awards $2.5 Million to Promote Financial Capability - "The eight organizations funded this year offer fresh perspectives on the industry’s efforts to foster positive financial behavior and provide concrete mechanisms for meeting consumer needs in new ways…"
• U.S. Bank Employees Testing Voice Command Feature on FlexPerks Visa Mobile App - "…allows U.S. Bank FlexPerks® Travel Rewards Visa Signature® customers to use their voice to view account balances, search transactions and make a payment on their accounts in the FlexPerks mobile app."
• ROAM Launches ROAMPay™ X4 - a new Mobile Point of Sale Application - "ROAMpay X4 is designed to help businesses of all sizes and geographies extend their traditional point of sale infrastructure onto Android and iOS-based smartphones and tablets."
• Vindicia and GlobalCollect help digital media distributors extend reach internationally
• Discover Financial Services Reports First Quarter Net Income of $673 Million or $1.33 Per Diluted Share - "Discover delivered strong profitability and growth in the first quarter, which combined with our outlook allowed us to increase our dividend by 43%..."
• Chase Sapphire Preferred Gives Cardholders New Reason to Celebrate Fridays - "The First Friday Favorites Facebook app, now available on Chase Sapphire’s Facebook page, allows consumers to interact with top restaurant lists in 17 U.S. cities by making reservations directly through OpenTable…"
• Fiserv Introduces Processing Services for Positive Pay and Account Reconciliation Solution - "ARP/SMS from Fiserv allows for immediate correction and updating of transactions as well as files and reports for real-time positive pay reporting, helping corporate customers gain tighter control over disbursements."
• ACI Worldwide Completes Expansion of Online Banking from the Desktop to the Mobile Device - "The solution delivers features to iPhone and Android smartphones previously limited to the desktop including personal financial management tools, integrated bill payment and account-to-account transfers."
• VeriFone Helps China PnR Address Growing Payments Complexity with POS Estate Managed Services Contract

On the web:

• M-Pesa fraud losses less that 1% - Safaricom - "Chief executive Bob Collymore said the money lost in M-Pesa fraud averages 0.006 per cent of the amount transacted which currently stands at Sh2 billion daily."
• Bitcoin Buzz Draws Western Union, MoneyGram - Fox Business
• Credit Unions: Reinvent P2P Lending - Ron Shevlin - "I’m just thinking about how smaller FIs are going to compete with the big ones for the coveted lending market."
• Fewer Bank Accounts May Lead to More Savings, Study Finds - NY Times Bucks Blog - "In this research, we demonstrate that individuals allocating their earnings to a single account saved more than those who spread their earnings across multiple accounts…"
• A new way to pay restaurant bills - Seattle Times looks at the "RAIL" payment system...
• The real opportunity for payment startups: simplicity - VentureBeat (Jon Soberg) - "Intermediaries, paperwork, antiquated systems, processes, and regulations still play a prominent role in today’s ecosystem."
• US PIN Debit Consolidation - Tom Noyes - "I have a strong bet that the US banks will consolidate around a single PIN provider within the next 18 months."
• Adam Davidson Explains Bitcoin To Stephen Colbert (video) - Planet Money
• Visa Europe is holding its Insights 13 Conference today - follow the news in Visa Europe's Twitter feed. See pictures from the conference on Visa Europe's Pinterest board.
• “Mobile is the end game”: VeriFone discusses the future of payments as a service - My-Retail Media - "Ultimately, retailers' business is about making a sale. You either need to take a payment or redeem that value to a retailer."
• Bitcoin exchange BitFloor halts operations, shuts down - CNet - "Bitcoin exchange BitFloor announced Wednesday it is closing its trading operations and plans to return its remaining funds to its users."

On the wires:

• DeviceFidelity Adds Multiple NFC Patents to its Extensive Portfolio, Totaling 40 Granted and Allowed Patents Worldwide - "DeviceFidelity’s extensive portfolio of patents covers the implementation and management of NFC technology, security and unique miniaturization and amplification solutions…"
• Moneris Solutions and LightSpeed to Provide Integrated Mobile Payment Solutions for Canadian Retailers - "Our partnership with Moneris represents an important milestone in Canadian retail, which has been newly empowered by mobile, iPad(R) and Mac solutions that engage customers in an interactive and re-energized shopping environment…"
• Mobile Users Well Aware of Fraud but, for Many, Convenience Trumps Security Concerns - "Users may be willing to accept risk now in favor of convenience, but this tolerance will weaken as fraud continues to grow."
• Alliance Data Reports Record First-Quarter 2013 Results - "Revenue increased 18 percent to $1.05 billion while adjusted EBITDA increased 18 percent to $357 million for the first quarter of 2013."

On the web:

• Coinstar Expands Rollout Of Its PayPal-Powered, Coin-Counting Kiosks - TechCrunch
• Samsung Imitates Apple Passbook With New Wallet App Without NFC - Forbes

On the wires:

• 19 mPOS Solutions Achieve MasterCard Best Practices Certification
• Discover Extends Direct Banking Reach with Launch of Cashback Checking Accounts
• Western Union Certifies Ericsson’s Wallet Platform for Mobile Money Transfers
• Mastercard Launches Its First NFC Payment Project in Latin America
• VeriFone and SK C&C Team On Mobile Wallet Acceptance

On the web:

• VeriFone Sells SAIL Mobile POS Business - MobilePaymentsToday.com
• PayPal Co-Founder Levchin Launches New Payments Startup, Affirm - AllThingsD
• Wal-Mart Expands Self-Checkout in Stores via its iPhone App - Internet Retailer
• Alternative Payments Provider Skrill Is Being Prepared For Sale - Business Sale Report
• Vodafone Picks Wirecard For Mobile Payments Launch - NFC World
• Focus on Fraud: Targeting the Weakest Link - Portals and Rails
• Oakland To Issue IDs That Double As Debit Cards - NPR
• China UnionPay Works With Gemalto on NFC - NFC World

On the wires:

• Spindle Now Offering NCR Silver Mobile Point-of-Sale System
• MasterCard, Equity Bank and Ezetap Introduce MPOS Technology to Kenya
• PermataBank, BlackBerry and Monitise to Bring Mobile Payments to BlackBerry Messenger
• ThreatMetrix Introduces Behavioral Analysis in ThreatMetrix Cybercrime Defender Platform
• Paydiant, Menusoft Systems Launch Mobile Pay-at-the-Table Offering for Restaurants
• Aptys Solutions Launches ACH and Wire Origination Solutions
• TSYS Signs Full-Service Processing Agreement with MLS Direct Network
• MasterCard and VimpelCom Partner to Offer Mobile Money Globally

On the web:

• MCX Is A Mobile Payment Platform For Retailers, By Retailers - NRF Retail's BIG Blog
• VeriFone Introduces Payment Solution For iPad Mini - MobilePaymentsToday.com

On the wires:

• SpeechStorm Makes IVR Payments Easier (PCI Compliant) in Europe
• TSYS Technology to Help Achieve Financial Inclusion in India
• MasterCard and Equity Bank to Introduce PayPass Enabled Cards in Five African Markets
• Ingenico partners with Microsoft to Drive Retail Innovation
• NCR Launches Mobile Point-of-Sale Optimization Practice

On the web:

• PayPal’s Ambitious Plans For Stores - Internet Retailer
• UK-based ERN Raises $2M For 'Big Data' Card Analytics - TechCrunch
• ‎ As EMV-Debit-Durbin Problem Festers, a Solution May Be on Its Way - Digital Transactions
• UAE Exchange collaborates with ElectraCard Services to Launch 'gocash' Prepaid Travel Card - AfricanBrains
• SimplyTapp Proposes Secure Elements In The Cloud - NFC World

On the wires:

• VeriFone NFC Managed Services to Drive China Mobile Commerce Network
• FDIC Survey on How Banks are Working to Meet the Needs of Unbanked, Underbanked
• Voltage Secure Stateless Tokenization Advances PCI DSS Audit Scope Reduction
• Digital River World Payments Offers Online Merchants Full Card Acceptance Services for AmEx
• CARDFREE Releases Study on Fast Food Restaurants Gift Card Sales and Redemption
• Western Union Now Offering Two Options for International Travelers

During the fourth-quarter teleconference with analysts, VeriFone announced that it is stepping back from its role as an direct acquirer for SAIL merchants.

Earlier this year, we launched SAIL as a way to bridge the gap between the way our traditional channel partners conduct business and the specific needs of very small micro-merchants. Our experience through 2012 with tens of thousands of these micro-merchants tells us that the standalone economics of micro-merchant acquiring is fundamentally unprofitable and destined to be a negative gross margin business. Customer acquisition costs either through search engines or TV advertising cannot and will never justify the razor-thin margins produced by merchants with infrequent volume and extremely high attrition.

On the web:

• Square COO Predicts Monster 2013, Says Starbucks Is Just The Beginning - CNET News
• Wonga Launches 'Bill Me Later' Rival in UK - Telegraph
• The Fraud Triangle - Portals and Rails

On the wires:

• Fiserv Mobilizes UChoose Rewards
• CorFire Integrates PayPal to Enhance Mobile Commerce Services
• Fuze Network Processes More Than 3.5 Million Cash-to-Card Transactions
• VeriFone Acquires Two Major Players in New Zealand Payments Industry
• Live Gamer Partners With Openbucks to Expand Pre-Paid Payment Options
• PAY.ON Partners With ReD To Offer Integrated Payment and Fraud Prevention Services
• CardinalCommerce Partners With Virtual Piggy To Enable Under 21 Online Acceptance
• Payzur, Acculynk’s Debit-based P2P Solution, Gains Momentum
• TSYS Signs Long-Term Payments Agreement with Merrick Bank

VeriFone announced that it and partner Linq3 have implemented “play at the pump” at 9 locations in Minneapolis under auspices of the Minnesota State Lottery. At gas pumps equipped with VeriFone’s payment enabled media solution, PAYMEDIA, consumers can buy quick pick numbers for Powerball and Mega Millions drawings utilizing debit card payments at the same time they fill up their tanks.

VeriFone has announced the availability of SAIL EMV, a new platform that enables banks and acquirers around the world to quickly provide smartphone and tablet-based chip-and-PIN card payments solutions to small and medium-sized merchants.

“International deployment of the SAIL platform provides a unique mobile payments solution that enables rapid expansion and adoption of secure chip-and-PIN technology through thousands of VeriFone’s international banking and acquiring partners,” said VeriFone CEO Douglas G. Bergeron. “The open, flexible and modular nature of SAIL EMV is attractive to organizations that want to expand sales with smartphone and tablet payment solutions for small merchants.”

SAIL EMV provides banks and acquirers in more than 100 countries and across six continents with a complete solution to expand their product portfolios with custom-branded services that enable mobile merchants to accept chip-and-PIN payments.

On the web:

• The Big Swipe - NYTimes.com

On the wires:

• Fujitsu Leverages VeriFone’s GlobalBay Solution to Power its Advanced Mobile POS

VeriFone announced an international expansion of the SAIL mobile payments platform with an agreement with Israel’s largest card issuer and acquirer, Isracard Ltd., to distribute SAIL encrypted card readers for iOS and Android devices and to bring smartphone based mobile payments to merchants in Israel.

“This is a step in the international deployment of the SAIL Platform,” said Bulent Ozayaz, VeriFone senior vice president, Southeast Europe & Russia. “As the leading issuer and acquirer in Israel, Isracard is the natural partner to deliver the benefits of SAIL mobile payments to business owners and merchants who can now take advantage of an easy and secure way to accept payments wherever business takes them.”

On the web:

• What CIOs Need To Understand About Apple's Passbook Service - Forbes

On the wires:

• NAB Partners with VeriFone for Payments Innovation
• Virtual Piggy Signs on Triko to Accept Safe Youth Payments
• Rogers Communications Selects Gemalto to Secure Mobile NFC Payment Solutions
• Skrill Announces 29% Revenue Increase And 30 Million Customer Accounts Globally
• NCR RDC Solution Selected by SunTrust to Enable Customers to Make Deposits Anywhere

On the web:

• Google Wants to Be a Bank Now - The Atlantic Wire
• NYC MetroCards Go on Sale with Ads for Gap on Both Sides - NYTimes.com
• DOJ Seeks Documents on Debit-Card Market From Discover - Fox Business

On the wires:

• New Celent Report on State of Consumer RDC 2012
• Heartland Payment Launches Mobuyle Mobile POS Solution
• Valero Corner Store Selects VeriFone PAYMEDIA for Secure PumpPAY
• MasterCard Enhances Customer Expense Reporting and Management Tools
• MCR Virtual Business Center Now Offers Checkgateway ACH Solutions
• Dynamics and UMB Increase Experience Provider Rate to 0.5% for the ePlate Payment System
• SubscriberWise Protects Cable Operator From Fraudulent Service Requests
• Endorse and PayPal Team to Let Shoppers Access Cash Back for Buying Favorite CPG Brands
• Gaxsys Launches gaxWallet at DEMO Fall 2012
• Optimal Payments Launches NETBANX Checkout

On the web:

• Pay-By-Keyword Startup Seconds Refocuses As A Way To Make Anyone A Merchant - TechCrunch
• Summer Is Gone, but ACH Fraud Remains - Portals and Rails
• The World’s First Cashless Country (Somaliland) - Consult Hyperion
• Flat-Fee, Dongle-Free Mobile POS Startup Emu Opens For Business In U.K., Registrations In Europe -TechCrunch

On the wires:

• Valpak Integrates Local Coupons in New Apple Passbook
• Citi Launches New Payroll Payment Solutions
• Virtual Piggy Signs Up toddland
• TIO Networks Surpasses $100 Million in Mobile Bill Pay Transactions
• Direct Insite to Deliver Electronic Payments Platform to Major Hotel and Hospitality Company
• AmEx Announces Settlements with Bank Regulators Related to U.S. Card Practices
• VeriFone Unveils Next-Generation Media for Gas Stations and C-Stores
• MoneyGram Announces New Money Transfer Agreement with Walmart
• Salt Lake City Introduces Mobile Parking Payments With QuickPay
• eMerchantPay Offers a Prepaid Card for Online Gaming
• Heartland Payment Systems Credits Merchants with More than Quarter Billion Dollars in Durbin Debit Reform Savings

VeriFone has announced the launch of the SAIL Developer Portal, providing application developers with access to tools and APIs that enable them to integrate with the SAIL mobile payment platform.

“SAIL is far more than a mobile payments app,” said Brian Hamilton, VeriFone vice president of SMB Commerce. “VeriFone’s open platform APIs provide independent developers and partners the ability to easily integrate underwriting, payments and settlement into their mobile products and services, often within a matter of days or weeks.”

On the web:

• Get ready for BitInstant's Bitcoin Debit Card - CNN Money
• Square Confirms Website and "Some Payments" Affected by Outage - The Next Web
• Stripe’s Capture The Flag 2.0 — A Hands On Contest For App Developers To Test Their Security Know-How - TechCrunch
• Food Carts Switching To Mobile Payments - Oregon Business

On the wires:

• Cubic's Go Card Passes 3 Million In Australia
• Nigeria Cash-Less Lagos Initiative Spurs Orders for VeriFone Solutions

On the web:

• College Debit Cards: Hidden Costs Of Convenience - NBC News
• ‘European Square’ iZettle Now Works With Android; Visa Europe Dispute Drags On - TechCrunch
• Google To Sponsor Free Wi-Fi Experiment To Drive Google Offers Sign Ups - GigaOM
• National Payment Preference by Card Type - Litle & Co. Blog

On the wires:

• Visa and IDB Partnership Brings Financial Inclusion to Complexo do Alemão in Brazil
• PAYBOX from VeriFone’s Point Group Drives Mobile Orders to McDonald’s in France
• Capario Launches Integrated Solution to Streamline Patient Payment Processing

On the web:

• Want to Do Mobile Payments Acceptance? Here's a Free Tablet from GoPago - NYTimes.com
• Square/Starbucks Partnership Q&A with Jack Dorsey and Howard Schultz - AllThingsD
• ViVOtech Unloads Its NFC Reader Business, Will Focus On Software Going Forward - TechCrunch
• PayPal And Major Chinese E-Commerce Platform Part Ways - CNET News

On the wires:

• VeriFone Selected for Contactless Payment Rollout in Mexico City

On the web:

• Bill Me Later Helps eBay's Profits But Exposes It To Risk - San Jose Mercury News
• Payment Startups Struggle with California Money Transmitter Law - Business Insider
• Square Issues Cease And Desist To mPowa: Hands Off Our Hands Picture - TechCrunch
• Rocket May Clone Stripe To Beef Up Payments Portfolio - GigaOM

On the wires:

• CashStar Raises $5 Million in Funding
• VeriFone Wins $35 Million-Plus Contract for District of Columbia Taxi Systems

On the web:

• Veridian Credit Union Goes Live with Dwolla Payment - American Banker
• Mobile Payments: The Trillion Dollar Industry That’s Never Happened – AGILEVC
• Owners May Not Be Covered When Hackers Wipe Out A Business Bank Account - NYTimes.com
• Global Payments Breach Exposes Data From Merchant Account Applicants - Digital Transactions
• MintChip: Sounds Like Ice Cream, But It's Actually Money (Canada) - Portals and Rails
• Payments via iPhone: Stay With Square Or Soar With Sail? - GigaOM
• Sooner Or Later, The Future Is Mobile Payments - INMA

On the wires:

• New Mercator Report on First-Party Credit Card Fraud
• Paydiant and pcAmerica Launch Integrated Mobile Payments Offering for Retailers and Restaurants
• Introducing AppCharge: The Next Mobile Payment Processing Solution for Business On the Go
• IdentityMind Partners with Rapleaf to Add Email Reputation to IdentityMind’s Antifraud Platform Services

PayPal has announced the next 15 national retail partners that will be testing PayPal In-Store Checkout.

In every market we’ve entered PayPal has changed the game. We did it for online payments in 1998, creating a business from nothing and building it to one with more than $118 billion in total payment volume last year. We were the first major player to enter the mobile space in 2006 and we plan to exceed $7 billion in mobile payment volume this year. And we’re on track to change the game again in offline payments.

On the web:

• Google Wallet Now Available on Four NFC Handsets - Wired.com
• VeriFone’s SAIL Caught Copying Rival Square’s User Agreement - GigaOM

On the wires:

• VeriFone Media Brings Sky News into London’s Taxis
• ZipZap Launches Cascading Payments Solution for Online Merchants
• SafetyPay Introduces Cash Payment Option for eCommerce Merchants
• MyClear Appoints MOLPay as its Acquirer for Online Merchants (Malaysia)
• Smart Card Alliance Expands Industry Collaboration With Formation of Mobile and NFC Council
• POS Portal to Distribute Ingenico POS Devices for EMV and NFC Mobile Payments
• Wolfram Releases New Computational Software Platform for Finance

On the web:

• It's Apple vs. Google vs. Everyone In The Mobile Payments War - Forbes

On the wires:

• 99Bill's Smartphone Card Reader to Enable Mobile POS in China
• Major Retail Brands Select VeriFone GlobalBay Mobile POS
• RunningShoes.com Activates New MasterCard PayPass Online Wallet
• Ogone Named as European Launch Partner for PayPass Wallet Services by MasterCard
• ESI Partners with InstaMed to Launch Electronic Healthcare Payment Solutions
• AmEx to Launch American Express® Campus Edition Prepaid Card in 500 Campus Bookstores

VeriFone has introduced SAIL by VeriFone, "a streamlined, cost effective payment-as-a-service platform that provides business owners and merchants an easy and secure way to accept payments wherever business takes them."

“VeriFone has created a unique open ecosystem that builds on our payment-as-a-service vision to foster innovation in the developer and payments communities and maximize choice for small to medium-sized businesses,” said VeriFone CEO Douglas G. Bergeron. “We are delivering a flexible experience with the level of security and reliability that businesses and consumers have come to expect from VeriFone.”

SAIL offers a free app and card reader and take advantage of flat rate plans of 2.7% for lower volumes, or higher volume users can opt for a 1.95% transaction rate with a monthly $9.95 subscription fee. SAIL also offers instant on boarding of merchants.

On the web:

• NYC No. 1 In E-Commerce Fraud - Dark Reading
• Mobile Payments Won't Replace Cash or Credit for Another Decade - AllThingsD

On the wires:

• Blackhawk Network Announces New Relationships With Hess Express
• Pivotal Payments Partners With NetSecure to Develop Branded Mobile Payment Application
• 3Delta Systems Rolls Out Private Labeling for Payment WorkSuite
• OpenCuro Releases Payment Module for Zen Cart
• VeriFone Jumpstarts Merchant EMV Migration

Over on Payments Views, Glenbrook's Erin McCune blogs about the recent PayPal Here announcement, and her take on what it means to Square and the Square Wannabes.

The story here is simplicity. The merchant fee for PayPal Here transactions is 2.7%. Slightly lower than Square, and about the same as Intuit GoPayments. The big differences is access to funds. Just like online merchants, offline merchants are credited sales into their PayPal account in real-time as purchases complete.

On the web:

• PayPal May Get Permit To Offer Mobile Payment Service in China - M.I.C. Gadget
• Mobile Payments Price War Heats Up: Pay Anywhere Slashes Merchant Fees to 2.69% - AllThingsD
• Balancing Payments Risk Management and Regulation with Innovation - Portals and Rails

On the wires:

• TSYS Introduces “People-Centered Payments”
• Amway and Citi Prepaid Services Announce Prepaid Payment Program
• TNS Introduces TNSPay Mobile for Simplified Management of Secure Wireless Payments
• DRF Survey Reveals for the Majority of Retailers Less Than 2% of Sales Are Currently From Mobile Devices
• Seamless: Axfood tests SEQR mobile payment in pilot project
• VeriFone U.S. Payment Gateway Volume Hits $10 Billion