#coiney

[hutt2011]

店頭でのクレジットカード決済やWEB SHOPでの通信販売で利用しております決済方法の「Coiney」がサービス名称変更となり『STORESターミナル』となりました。今まで通りのご利用方法で変わりませんがお手続き時の表記が変わりますのでご確認いただければと思います。引き続きよろしくお願い致します！ #coiney #stores #removaloutdoorequipment #リムーバル #秋田市雄和 #outdoor #trekking (Removal Outdoor Equipment) https://www.instagram.com/p/B_8-lpEg191/?igshid=yvezwmn7toee

[hutt2011]

店頭でのご要望も多く『PayPay』導入しました。いままでは楽天市場のポイントでお買い物もできる『R Pay』や分割(2回,リボのみ)可能なセゾングループの『coiney』の2種類でしたが、なにかと話題の決済アプリもお使いいただけます。もちろん現金大歓迎ですが、お得な情報を取りこぼさず上手に生活に反映させてください！ #paypay #rpay #coiney #removaloutdoorequipment #秋田市 #ショップ #お買い物 (Removal Outdoor Equipment) https://www.instagram.com/p/Bu0b2RdAWxF/?utm_source=ig_tumblr_share&igshid=1eh4clr9lmdfl

[kazu69]

[techjapan]

Mobile payment change small payments in Japan

Generally many Japanese people have credit cards but most people don’t use them in micropayment. In my case, I don’t use credit card for purchased under $30. Basically we cannot use credit card in many small shops. When the payment is small, I pay by cash. So it may be a habit that we pay by cash. But the habit may change.

In these days 4 other companies have started mobile payment in Japan. I will introduce them.

Square

https://squareup.com/jp

On May 23rd, Square announced that they entered   Japanese market.  

Jack Dorsey, who is founder of Twitter, founded Square. 

 almost 40,000 shops in US, which includes 7,000 Starbucks, are using Square.  Square payments account for $110 million USD per year.  And they released Square Stand in US shops that uses iPad as cash resister. 

Paypalhere

https://www.paypal.jp/here/

Paypal and Softbank, which is a mobile phone company in Japan, released this service on May 5th.  Since they have been test since September 2012, they already have a few thousand users.

Coiney http://coiney.com/

Coiney is a Japanese startup company. They released Coiney in October 2012 and user response was overwhelming. They had to stop their supply because they could not respond to such big demand.  However, they relaunched their service in April 2013.

Rakuten Smart pay

http://smartpay.rakuten.co.jp/

Rakuten, which the the biggest EC company in Japan,  released mobile payment in December 2012.

Rakuten has 40,000 shops in their online mall. Rakuten wants to expand their business to offline.

So, which servicer is better for small business owners? This is comparison table for 4 players.

To put it simply, Square is the best service because their charge rate is lowest at 3.5%, and their usance is only 36 hours.

Actually, their main target is small shops for example small restaurant, cleaning shop, coffee shop, etc… This market size is about 150 billon USD. Basically, small shops have low margins and their cash flow is tight. So,  the shorter usance, the better.

Additionally Square has already cash resister for iPad. Basically traditional cash resisters are expensive, so many shops will chose a mobile card reader.

Personally speaking, I wish Coiney good luck because they are startup company like me.

I’m looking forward to the future of mobile payment.