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Tuesday 11 December 2018

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First Apple Pay in-call payment carried out

Written by Anthony Strzalek
20/10/2016

Worldpay and UK-based payments firm, Eckoh, have performed what is believed to be the world’s first Apple Pay payment via a telephone call.

Up to this point, Apple Pay has been used to pay for goods via face to face point of sale, online or in app. The technology, which will open up mobile payments to new channels by enabling telephone based payments to be taken via Apple Pay, is also expected to add an additional layer of security for consumers and retailers.

The customer’s card is tokenised by the Apple system and the device-based fingerprint authentication is utilised. This means that the payment is processed as a biometric-secured transaction similar to an Apple payment in a physical store, as opposed to an unauthenticated ‘card holder not present’ transaction that is normally initiated by telephone payments.

The importance of security was highlighted following the release of data from Financial Fraud Action UK which showed a 17 per cent rise in 2015 for card-not-present fraud.

Cameron Ross, director of payments strategy at Eckoh, said: “Callers increasingly want to make payments over the phone in the same easy way they do online and in-store. We have made this process completely intuitive to the customer.

“Whilst the customer is on the phone to an agent, a message is sent to their device linking to their Apple Pay app. The customer is asked to confirm the payment on their device, which is convenient and secure. The contact centre then receives an alert confirming that the payment has been made.”

Eckoh is continuing to develop Apple Pay functionality with the intention of releasing it as part of its overall contact centre payments capability in the near future.

Nick Telford-Reed, director of technology innovation at Worldpay, added: “Working with Eckoh we have developed an exciting proof of concept that extends the use of mobile payments into a whole new channel of commerce.

“By harnessing the security advances that mobile payments offer, Eckoh and Worldpay have created a new, flexible and scalable way to take friction free telephone payments. The solution has benefits for consumers and retailers alike, as well as an exciting range of future applications.”



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