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AEPM is working on the development and standardisation of Payez Mobile, a contactless mobile payment solution.

The aim of this solution is to simplify proximity payments by providing customers with a fast, handy and safe telephone-based tool for their daily transactions.

The Payez Mobile payment application is based on bank card technology, installed in the customer’s mobile phone SIM card, and on NFC (Near Field Communication) contactless technology.

This payment solution is interoperable and complies with international Visa and Mastercard standards.

Payez Mobile adds significant value for customers…

The contactless mobile payment method is extremely practical since it combines the following advantages:

  • Speed. Queues dwindle in the absence of cash and cheques, etc.
  • Simplicity. It does away with the need for different payment instruments and so helps to reduce the content of bags and pockets.
  • Security. A mobile phone is one of the first things people think of taking with them. The more functions it offers, the sooner the user is reminded of its loss.

Mobile telephones are frequently close at hand and have virtually become part of the individual. People feel that they can easily streamline daily transactions.

...as well as for retailers

This new payment instrument is available for all retailers, who benefit from the following advantages:

  • Fast and efficient payment. This is especially important for small amounts with no need for a code. These can be made in less than a second once the amount is displayed on the electronic payment terminal.
  • Savings. This original payment process, which complements bank cards, lowers cash handling costs.
  • An innovative image. Customers tend to like innovation and appreciate being part of the implementation of new payment instruments.

 

* NFC or "Near Field Communication" is a very short-range radio technology used to exchange data at a distance of a few centimetres. NFC can be used to communicate between a reader and a mobile terminal or between several terminals.

The NFC technology has been recognised by ISO, ECMA and ETSI.

It is used worldwide for many different applications, such as payments, ticketing, access control, etc.