Purchase payment – Les Couleurs De Luce http://lescouleursdeluce.com/ Fri, 18 Nov 2022 21:16:52 +0000 en-US hourly 1 https://wordpress.org/?v=5.9.3 https://lescouleursdeluce.com/wp-content/uploads/2021/08/icon.png Purchase payment – Les Couleurs De Luce http://lescouleursdeluce.com/ 32 32 Payment processors: are you ready to discover “dark patterns”? | Venable LLP https://lescouleursdeluce.com/payment-processors-are-you-ready-to-discover-dark-patterns-venable-llp/ Fri, 18 Nov 2022 21:16:52 +0000 https://lescouleursdeluce.com/payment-processors-are-you-ready-to-discover-dark-patterns-venable-llp/

Risk management personnel who underwrite e-commerce merchants must have a basic understanding of the types of marketing and sales practices of online merchants that are deceptive and misleading. More than a decade of enforcement actions by the Federal Trade Commission (FTC) and the Consumer Financial Protection Bureau (CFPB) against payment processors that failed to act on red flags – high chargebacks, consumer complaints, shell companies with straw owners and other evidence of consumer harm – providing a catalog of merchant activity that regulators don’t want processors to support.

The latest buzz in consumer protection has focused on “dark patterns,” a term coined by a user experience designer in 2010 to describe manipulation tactics that trick consumers into taking an action they don’t. would not have accomplished otherwise if they had understood what they were doing. turned on at the time. These actions can trick unwitting consumers into purchasing items, sharing information, and agreeing to legal terms without intending to.

Last year, the FTC breathed new life into “dark patterns” by hosting a workshop to examine how dark patterns affect consumer behavior, whether certain consumer groups are unfairly targeted by dark patterns, and how user interfaces can affect decision making and choice. The FTC then issued a new enforcement policy warning merchants against using illegal dark patterns to “trick or trick” consumers into subscription services. Most recently, in September 2022, the FTC released a comprehensive staff report, Highlight dark patterns, which concluded, among other things, that dark patterns are more dangerous to the consumer when used in combination. Read our summary here on how the FTC classified design elements that contribute to dark patterns and key takeaways from the FTC report. The FTC has also asked online advertisers to weigh in on dark patterns regarding potential updates to the FTC’s “Dot.Com Disclosures.”

The FTC is not alone in its mission. The CFPB filed a lawsuit in April 2022 against a national credit reporting agency, alleging that the functionality and design of the website obscured the nature of the offer – a monthly subscription to a credit monitoring service. Earlier this year, the New York Attorney General alleged that Fareportal violated New York’s law prohibiting unfair and deceptive practices by creating a false sense of urgency with a “remaining tickets” message accompanying flight search results. . Dark pattern allegations are also beginning to appear in private lawsuits, including a case filed last year against Noom, Inc. where the plaintiff described subscription sign-ups as being based on “deceptive system designs on sites web and apps that tackle the frailties of human cognitive processing.

How to Spot Dark Patterns

If dark patterns haven’t hit your radar yet, the examples below are some of the most likely to pose risk management challenges for processors and payment facilitators, as they are some of the most likely to cause consumers to part with their money. For more examples and visuals, check out our Dark Patterns webinar.

  • Sneak into the basket. This design results in adding an additional item to the consumer’s cart during checkout, or prompting consumers to add the additional item through a default choice. Consumers who rush through the checkout process and don’t catch the add-on will be charged for something they didn’t intend to order, or maybe even signed up for a subscription they didn’t. had no intention of trying.
  • Motel Gardon. This design makes it easy for the consumer to get into a certain situation (like a subscription billing plan), but very difficult to get out of it. Note that a recent trend in state laws governing subscriptions, particularly in California, is to require merchants to provide a simple cancellation mechanism that does not impede the consumer’s ability to stop a billing program and auto-renewing shipping.
  • Forced continuity. Continuing with the subject of subscriptions and negative options, forced continuity can occur when a consumer provides credit card information to pay for a low-cost or free trial offer and later finds out they have been signed up. to a recurring billing program that can be difficult to stop. Although this concern has been around for years, it is now referred to as a “dark pattern” by regulators.
  • Hidden costs. Have you ever wondered why the cheeseburger and fries you ordered were originally priced at $14.99 but cost you $35.99 to have it delivered? Service charges (which may or may not be a tip), delivery charges, “care and handling” and other creative but vague charges often show up at the last minute. It may only be a matter of time before a 3% surcharge added to a heavy restaurant bill, especially without proper signage or notice that you could avoid it by paying cash, is classified as a dark reason, even if Visa and Mastercard know the merchant is overcharging. Of course, merchants must adhere to card brand rules regarding fees and surcharges.
  • Prevention of price comparison. What is the best deal: (a) bulk apples at $0.75 each; (2) a bag of apples at a price of $1.25 per pound; or (3) 6 pears for $4.45? When you take this concept and apply it to subscriptions to expensive skincare products of various sizes and types, add potentially confusing savings claims and trick consumers into choosing the most expensive offer because that it is better, regulars will see this as a dark pattern.
  • Intentional misdirection. This practice occurs when the website is deliberately designed to draw the consumer’s attention to one thing in order to divert attention from something else. This can cause the consumer to miss extra or hidden charges, say yes to a continuity program, or add shipping insurance they didn’t want. The rule of thumb for providing necessary information and making adequate disclosures about a sale has always been to provide that information in a “clear and visible” manner. Intentional misdirection challenges that direction.
  • Trick questions. Consumers are often asked to tick boxes to give their consent or accept the terms. But when the merchant crafts the question to trick the consumer into giving an answer they didn’t intend, it can be a dark pattern. Examples include confusing options to avoid receiving communications or products, such as two side-by-side checkboxes:

    [ ] No, please do not send me marketing information about merchant sales and promotions.

    [ ] No, please do not unsubscribe me from the subscription following the merchant’s free trial.

  • Bait and switch. This tactic involves tricking the consumer into believing that their action will have a result, but instead a different or undesirable result occurs. For example, most of us use an “x” button in the upper right corner of a window to close the window. However, if clicking the “x” button causes the window to close and authorizing a download, agreement or purchase, this practice would be considered a bait and switch.
  • False sense of urgency or scarcity. This marketing technique is as old as time, or at least as old as countdown timers that were first used on e-commerce checkout pages. In today’s regulatory climate, it is classified as a dark pattern. Marketers can give consumers a false sense of urgency or scarcity by urging them to act quickly for fear of missing out on a price or offer. An example: buy plane tickets online and see “There are only 2 left at this price!” next to some options, when this is not the case.

Of course, not all dark schemes can rise to the level of being deceptive or illegal. Consider, for example, “Confirmshaming” – used to describe circumstances in which a website attempts to pressure people into signing up for something by making them feel guilty or ashamed, often because the response refusal is worded in a way that shames people into signing up. Consider this Example:

Question: “Would you like our free guide to gardening?”

Response options: “Yes, please!” or “No thanks, I know all about gardening.”

This interaction, by itself, probably won’t hurt the feelings of most people who want to pass on the free guide. However, if clicking “yes” to get the free gardening guide deceptively enrolls the consumer in a subscription program that is barely disclosed in fine print, then the practice has crossed the line. Risk management and underwriting staff responsible for website reviews should be trained in spotting dark trends and evaluating them thoroughly.

What is the conclusion for payment companies?

When “dark patterns” lead consumers to make purchases or enroll in subscription programs, it is easy for the FTC or CFPB to allege that a processor knew or should have known that a merchant engaged in such manipulation tactics, especially if the merchant’s transaction processing history is accompanied by high chargebacks and consumer complaints. The FTC and CFPB have extensive experience in investigating and filing lawsuits against processors that facilitate payments for merchants who engage in illegal behavior. Cases involving electronic payment solutions, Transact Pro and First Data Merchant Services provide just a few examples of how allegations against processors develop.

Finally, an additional caveat for payment platforms, payment facilitators and other intermediaries: consumer protection regulators are already very concerned about whether the different layers of these models facilitate lax underwriting and offer more. opportunities for deceptive merchants to access payment networks.

Global Payments launches Open Banking payment solution https://lescouleursdeluce.com/global-payments-launches-open-banking-payment-solution/ Wed, 16 Nov 2022 08:31:13 +0000 https://lescouleursdeluce.com/global-payments-launches-open-banking-payment-solution/

A recent consumer survey commissioned by Global Payments Inc. (NYSE: GPN) in partnership with YouGov found that consumer habits and expectations for payment experiences are changing. Consumers want choice at checkout while looking for ways to better control their finances. Nearly one in five consumers (19%) say they are now more likely to pay for items in full, which can help them manage their cash flow and provide a real-time picture of their financial situation.

Today, Global Payments is announcing a new payment method offering, Bank Payment, which enables merchants to offer consumers more choice in how they pay. This payment method takes advantage of the direct and secure access to bank accounts made possible by Open Banking and lays the foundation for other innovations in payments. Now businesses can accept payments for products and services directly from a bank account, providing an additional payment alternative for merchants and consumers that combines speed and flexibility.

Choice, speed and incentive are key to building customer loyalty

The survey found that one in four consumers (26%) abandoned an online purchase in the last six months because the merchant did not offer the desired payment method, and 18% went overdrawn or had a transaction declined due to slow payment processing. For merchants striving to attract and retain customers, offering more payment options offers an opportunity to cultivate brand loyalty, while reducing abandoned carts.

More than a third of consumers (34%) said they would be willing to switch to an alternative payment option to their preferred one if it offered an additional benefit. Enticing customers to use a particular payment method can be a loyalty win-win for merchants and consumers alike.

As consumers increasingly seek fast, secure payments and the choice to pay in full to manage their finances, bank payment offers a new opportunity for merchants to add choice to their checkouts and drive sales.

Younger generations are leading the charge in adopting new payment methods

The Global Payments survey also found that younger generations are more likely than older generations to use digital wallets, suggesting wider acceptance of emerging payment methods as digital natives become a greater percentage of consumers. For example, Gen Z (18-24) are more than three times more likely than consumers 55+ to prefer digital wallets (13% 18-24 vs. 4% 55+) and wire transfers direct banking (7% 18-24 year olds). 24s versus 1% 55+).

Willingness to switch payment methods to receive new benefits was also significantly higher among Gen Z than any other age group (45% of 18-24 year olds versus 35% of 45-54 year olds and 24% of 55 and over). It’s an attitude that will fuel competition between providers to build on Open Banking, as young consumers won’t hesitate to switch to get the best deal and the fastest experience.

“Wide adoption of new payment options typically hits a tipping point when consumers demand innovation or merchants drive adoption – or both. I think we’re at an inflection point with Open Banking, where we are seeing consumer and merchant interest in taking advantage of new payment innovations. With Bank Payment, merchants have the ability to meet all of their customers’ needs.” explained Nick Corrigan, President Europe, Global Payments.

What are the safest online payment methods? https://lescouleursdeluce.com/what-are-the-safest-online-payment-methods/ Sun, 13 Nov 2022 17:00:00 +0000 https://lescouleursdeluce.com/what-are-the-safest-online-payment-methods/

Whether you need to buy something or pay for a service online, keeping your hard-earned money safe should be your top priority.

There are many payment methods to choose from these days, but only a few can truly be considered secure. So which payment options are the most secure?

1. Virtual credit cards

Graphic illustration of a credit card viewed against a digital background

Your credit card is protected by a security protocol called 3D Secure (3DS), which is quite good, but does not offer complete protection against fraud and identity theft. Virtual credit cards do this, in many ways, because they actually hide your real information.

Virtual credit cards are basically digital-only cards that are meant to be used once or a few times (usually you generate a new card for each payment or transaction). This card is linked to a funding source, such as a bank account. And when you want to pay for something online, you don’t enter your real credit card number, but rather the number provided by your virtual credit card service. This way, you minimize the risk of your information being stolen.

But even if a website containing your information is hacked or hacked, you are safe because your virtual credit card is of no use to the threat actor responsible for the attack – it has most likely expired and he does not can do nothing about it.

In short, virtual credit cards provide tremendous protection against various types of cybercrime. The only major downside is that you can’t get a refund on an expired card if you need it, but that’s not really a big price to pay considering how often most people end up in a such situation.

2. Digital wallets

View wallet illustration on black background

Digital wallets are applications that store your card or banking information. You’ve probably used one in the past – PayPal, Apple Pay, and Google Pay are some of the best digital wallets available today. These applications are simple, practical, very easy to use and act as a kind of barrier between third parties and the sensitive information that belongs to you.

When you pay for something using your digital wallet, online or in person, your payment information is not visible to the merchant. It is encrypted and obfuscated, greatly reducing the chances of it falling into the wrong hands. Additionally, there are a few things you can do to make your digital wallet more secure.

You should never use your digital wallet or any payment app on public Wi-Fi, as these hotspots are sometimes spoofed and often poorly secured. You should also consider installing security apps on your smartphone, including antivirus suites, network scanners, and authenticators.

There is always the risk of your phone being lost or stolen, so be sure to lock both the phone and the wallet with a complicated password. Better yet, use multi-factor authentication or biometric authentication to secure your device and payment apps.

3. Prepaid cards

Black credit card seen on dark blue background

Prepaid cards are cards that are not tied to bank accounts, but need to be topped up with cash to work. In other words, if you have a prepaid card, you cannot spend more money than you have already loaded. This is what distinguishes prepaid cards from credit and debit cards and makes them much more secure.

Using a prepaid card to pay for goods and services online is a great way to keep your money safe, because even if a malicious actor manages to steal your card information in some way, he will not be able to access your bank account, only the money. which is already on the prepaid card. If your credit or debit card information were somehow compromised, that would be a whole other story with potentially thousands of people being taken from your account.

One of the best things you can do to increase your cybersecurity is to have a dedicated prepaid card for online purchases and other digital transactions. You can simply load your prepaid card with money periodically whenever you need to pay for something over the internet, instead of using your main credit card and putting yourself in danger.

So, are there any downsides to using prepaid cards? Unfortunately yes. The fees tend to be quite high. You often have to pay fees for purchasing and activating the card, as well as for refills, balance inquiries and even cancellation of the card.

4. Cryptocurrency

Cryptocurrency coins seen on black background

As a form of decentralized currency that relies on blockchain technology, crypto is inherently safer and more private than fiat currency. It only exists in the digital space, which makes it ideal for transferring money between accounts over the internet.

You don’t need to have a credit card, bank account, or have access to the financial system in any way to use crypto. And if you know what you’re doing, the chances of being tracked by a third party are minimal, especially if you’re using privacy-focused currencies like Monero.

It should also be noted that securing your crypto assets is quite easy. If you don’t want to invest in a cold wallet (a physical device that keeps your crypto offline), there are plenty of secure digital crypto wallets: Exodus, Wasabi, Guarda, and Coinbase Wallet, to name a few.

On the other hand, crypto markets are very volatile and the value of a currency can change daily. This is off-putting to many people, as is the fact that crypto isn’t widely accepted as a form of payment; Granted, more and more e-commerce platforms have adopted it in recent years, but it’s not like Amazon accepts cryptocurrency payments. So, in summary, crypto can certainly be used for secure online payments, but it’s not for everyone.

Protect your money online

Digital payment systems have come a long way over the years. There are now more options than ever, and some of them are actually safe.

We can only guess what the future holds, but as online payment methods grow and evolve, so will cyber threats. And no matter how many precautions you take, you’re one step away from having your bank account compromised, so be sure to keep an eye out for signs of a breach.

]]> Outdoor Payment Terminal (OPT) Market Size of USD 1.4 Billion Expected to Accelerate at 8.7% CAGR through 2030 https://lescouleursdeluce.com/outdoor-payment-terminal-opt-market-size-of-usd-1-4-billion-expected-to-accelerate-at-8-7-cagr-through-2030/ Fri, 11 Nov 2022 06:43:00 +0000 https://lescouleursdeluce.com/outdoor-payment-terminal-opt-market-size-of-usd-1-4-billion-expected-to-accelerate-at-8-7-cagr-through-2030/

Growth of the outdoor payment terminals (OPT) market

The Outdoor Payment Terminals (OPT) Market was USD 1.4 Billion in 2021 and is projected to grow at a compound annual growth rate (CAGR) of 8.7% from 2022 to 2030.

NEW YORK CITY, NEW YORK, USA, Nov. 10, 2022 /EINPresswire.com/ — Various small and medium enterprises have entered the “outdoor payment terminal (OPT)” market, creating strong competition, Market.us research has revealed in a new report. To ensure a solid foundation, local businesses are sought out by organizations to collaborate. Other things players are interested in are product diversification, expanding product portfolios, and in-depth research.

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You don’t have time to read the full article. Then you can check out this Ortho Outdoor Payment Terminal (OPT). Plus, I’ve shared a buying guide [What Advantages should be in it] that will let you know the important things. What You Should Consider in the Outdoor Payment Terminals (OPT) Market.

– Identify and analyze the best players and their strategies.

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– You can strategize to grow the business in different segments.

– Identification of consumer insights.

– You can strategize how to enter the market.

Our highly skilled analysts from around the world conducted extensive secondary and primary research to create this research study. The market study examines the industry dynamics and driving factors that are driving the current market growth. This report also highlights the opportunities and limitations of this industry. To get a comprehensive view of the factors that are impacting the development of the Keyword Market across the globe, key industry factors such as macroeconomic and microeconomic factors have been studied in detail using PESTEL analysis. Complex algorithms are used to predict market growth such as end-user sentiment analysis, regression analysis, etc.

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This report contains first-hand information, quantitative and qualitative assessments from industry analysts, contributions from industry experts and industry participants across the value chain. The report includes a detailed analysis of market trends and macroeconomic indicators, as well as market attractiveness according to segments. The report also provides qualitative insights on the market impact of different market factors on specific market segments and geographies.

Who are the best winners?

New product launches, portfolio expansion, strategic collaborations and mergers are some of the strategies used by the aforementioned companies to stay afloat in the outdoor payment terminal (OPT) market.

Some of the Key Players Operating in the Outdoor Payment Terminals (OPT) Market [In no particular order of Rank] are NCR, Tokheim, Gilbarco Veeder-Root, Invenco Group, Verifone, Scheidt and Bachmann, KVSIO, Unixfor SA, Quest Payment Systems, Orpak Systems (Gilbarco), HTEC Ltd, AMCO SA, Zarph SA, Finnpos Systems, CSandS Intelligent Technology.

Note 2: If one or more companies of your interest have not been disclosed in the list above, please inform us so that we can verify the data available in our database and provide you with confirmation or inclusion in the final list. deliverables.

This report covers:

– Market watch to enable efficient decision-making

– Estimates and forecasts from 2015 to 2032

– Market growth opportunities and trend analysis

– Market segment and regional revenue forecast for 2022-2032 valuation

– Competitive strategy and market share analysis

– List of product innovations to keep you ahead of the game

– The impact of COVID-19 and how to survive in these rapidly changing markets

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Outdoor Payment Terminals (OPT) Market – Segmentation

The global outdoor payment terminals (OPT) market is segmented on the basis of product type and application type. The price analysis of the Outdoor Payment Terminals (OPT) market can be done on the basis of product type segment.

Application Segment Analysis: Some of the key applications are as follows:

car wash

Type Segment Analysis: Some of the key types analyzed in this report are:

Contactless payment terminal
Contact the payment terminal

Outdoor Payment Terminals (OPT) Market: Regional Segment Analysis

On the basis of geography, the region of the global outdoor payment terminals (OPT) market is segmented into North America, Latin America, Asia-Pacific ex Japan (APEJ), Eastern Europe, Western Europe , Middle East and Africa (MEA) and Japan. Among these regions, North America currently leads the global outdoor payment terminal (OPT) market.

Along with North America, the Asia-Pacific outdoor payment terminal (OPT) market is expected to grow at a significant rate during the forecast period owing to major investments. The demand for outdoor payment terminals (OPT) is also expected to see strong growth in global hubs such as Europe and Latin America.

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FAQs or how the report will help you and inclusions

Q.1. What is the size of the Outdoor Payment Terminal (OPT) market?

Q.2. What is the forecasted market size and growth rate of the Outdoor Payment Terminal (OPT) market?

Q.3. What are the key factors driving the growth of the Outdoor Payment Terminal (OPT) market?

Q.4. What are the key trends in the Outdoor Payment Terminal (OPT) market report?

Q.5. What is the total market value of the Outdoor Payment Terminal (OPT) market report?

Q.6. What segments are covered in the Outdoor Payment Terminal (OPT) Market report?

Q.7. Who are the major players in the Outdoor Payment Terminal (OPT) market?

Q.8. Which region has the highest growth in the Outdoor Payment Terminal (OPT) market?

Access Full Report Description with TOC @ https://market.us/report/outdoor-payment-terminal-opt-market/

Are examined in the study:

– Outdoor Payment Terminal (OPT) Market Behaviour, Risk & Opportunity Levels

– An assessment of end industry behavior and opportunities

– An expected timeline for the recovery of the outdoor payment terminal (OPT) industry


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The Standard bank of South Africa Limited – Declaration of first interim payment for the holder of SBRN07 – SENS https://lescouleursdeluce.com/the-standard-bank-of-south-africa-limited-declaration-of-first-interim-payment-for-the-holder-of-sbrn07-sens/ Tue, 08 Nov 2022 13:00:00 +0000 https://lescouleursdeluce.com/the-standard-bank-of-south-africa-limited-declaration-of-first-interim-payment-for-the-holder-of-sbrn07-sens/

The Standard bank of South Africa Limited – Declaration of first interim payment for holder of SBRN07

The Standard Bank of South Africa Limited
Amendment to Corporate Action Announcement – “SBRN07”

Stock Code: SBRN07
ISIN Code: ZAE000299004

The First Interim Period is maturing on 25 November 2022. The
First Interim Redemption Amount will be paid on
25 November 2022.

On 25 November 2022, Standard Bank will pay ZAR11 062 500.00 in
respect of all the Notes (ZAR1,475.00 per note) (“the First
Interim Payment Amount”) to the holders of SBRN07 Notes. Since
the First Interim Payment Amount includes 25% of the capital of
the initial purchase price of the Notes, the Issuer will on
26 November 2022 reduce the base costs of the Notes (that is the
specified denomination of the Notes) from ZAR5 000 per Note to
ZAR 3725.00 per Note to account for the reduction in the initial
capital used to purchase these Notes.

First Interim Period
Maturity Date 25 November 2022

First Interim Payment Amount: ZAR11 062 500.00

Capital Redemption Amount for all Notes ZAR9 375 000.00

Capital Redemption Amount per Note ZAR1250.00

Interest Earned (18% Coupon)on all Notes: ZAR1 687 500.00

Interest Earned (18% Coupon) per Note: ZAR225.00

Declaration Date: 08 November 2022

Last Day to Trade: 21 November 2022

Ex-Date: 22 November 2022

Record Date: 24 November 2022

First Interim Payment Amount
Payment Date: 25 November 2022

Dated: 08 November 2022
Sponsor – The Standard Bank of South Africa Limited
For further information on the Notes issued please contact:
Johann Erasmus SBSA (Sponsor)
Email: johann.erasmus@standardbank.co.za

Date: 08-11-2022 03:00:00
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Payment Kiosk Market Business Summary, Industry Review, Viewpoint 2022 to 2029 | CityBase, Cube Digital Media, DivDat Kiosk https://lescouleursdeluce.com/payment-kiosk-market-business-summary-industry-review-viewpoint-2022-to-2029-citybase-cube-digital-media-divdat-kiosk/ Sat, 05 Nov 2022 11:38:54 +0000 https://lescouleursdeluce.com/payment-kiosk-market-business-summary-industry-review-viewpoint-2022-to-2029-citybase-cube-digital-media-divdat-kiosk/

New Jersey (USA) – The Payment Kiosk market research report provides all the insights related to the industry. It gives the outlook of the market by giving authentic data to its client which helps in making essential decisions. It provides an overview of the market, which includes its definition, applications and developments, and manufacturing technology. This Payment Kiosk Market research report tracks all the recent developments and innovations in the market. It gives the data regarding the hurdles while establishing the business and guides to overcome the upcoming challenges and hurdles.

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Some of the major companies influencing this market include:CityBase, Cube Digital Media, DivDat Kiosk, Frajt, Franke, Innova, KIOSK, Livewire, Meridian, Nayax, Olea Kiosks, PARTTEAM & OEMKIOSKS, SKIDATA

Market scenario:

Firstly, this Payment Kiosk research report introduces the market by providing an overview including definitions, applications, product launches, developments, challenges, and regions. The market is expected to show strong growth thanks to boosted consumption in various markets. An analysis of current market designs and other basic features is provided in the Pay Stations report.

A comprehensive discussion of several market analysis strategies, such as SWOT analysis and five-point analysis, is provided in the market study. Additionally, the market study also contains an in-depth study on numerous growth strategies and plans to expand the business frontiers regionally and globally. It provides the readers with a detailed breakdown of all the development opportunities and market challenges associated with the Payment Kiosk market. The risk analysis provided by the payment kiosk market research helps market participants to reduce or eliminate risks.

Regional coverage:

The regional coverage of the market is mentioned in the report, mainly focusing on the regions:

  • North America
  • South America
  • Asia and Pacific Region
  • Middle East and Africa
  • Europe

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The global Payment Kiosk market study aims to provide a comprehensive understanding of the current and past market situation, along with future forecasts and evidence-based market estimations provided by marketers. This dataset contains market size and volume of the global Payment Kiosk market regarding current market dynamics and predicted business size during the forecast. Essential data regarding cost structure, supply chain, and revenue are presented together and with granular classification classifying the global Payment Kiosk market at commercial level, industry level, and regional level outlining business growth. of the global payment kiosk market in the future.

Global Payment Kiosk Market Research Objectives:

  • Provide an in-depth understanding of the payment kiosk industry.
  • To highlight the critical data of each segment at an extended level.
  • Determine the key success factors in different segments of the payment kiosk industry.
  • To highlight trends in specific sectors.
  • Provide an overview of key segments.
  • To perform economic analysis, construct quantitative and financial models of the global Payment Kiosk industry and individual segments.
  • To project the future performance of the worldwide Payment Kiosk industry and identify imperatives.
  • Identify the risks of investing in particular segments and suggest appropriate strategies to mitigate the risks.
  • Investigate what has held back the payment kiosk industry during the pandemic and the forces driving up the global payment kiosk market post-pandemic.


Global Payment Kiosk Market Research Report 2022-2029

Chapter 1 Payment Kiosk Market Overview

Chapter 2 Global Economic Impact on Industry

Chapter 3 Global Market Competition by Manufacturers

Chapter 4 Global Production, Revenue (Value) by Region

Chapter 5 Global Supply (Production), Consumption, Export, Import by Regions

Chapter 6 Global Production, Revenue (Value), Price Trend by Type

Chapter 7 Global Market Analysis by Application

Chapter 8 Manufacturing Cost Analysis

Chapter 9 Industrial Chain, Sourcing Strategy and Downstream Buyers

Chapter 10 Marketing Strategy Analysis, Distributors/Traders

Chapter 11 Market Effect Factors Analysis

Chapter 12 Global Payment Kiosk Market Forecast

Buy an exclusive report @:


Contact us:

Roger Smith



+1 775 237 4157

Global business tool to increase revenue https://lescouleursdeluce.com/global-business-tool-to-increase-revenue/ Wed, 02 Nov 2022 21:11:58 +0000 https://lescouleursdeluce.com/global-business-tool-to-increase-revenue/

By Nikhita Hyett, EU CEO of BlueSnap

Globalization has brought businesses and consumers closer together; however, to truly capitalize on this market opportunity, companies need to think globally and act locally. We are increasingly seeing the benefits of localizing payments, with businesses realizing a 12% increase in revenue simply by offering local currencies.

Global payment capabilities fall under the broader payment orchestration offering – a strategy that enables businesses across all industries to integrate and manage the entire end-to-end payment process, including payment authorization, transaction routing and settlement reconciliation. It is a growing solution where all elements of an international payment process are orchestrated through a single interface, optimizing business payment procedures.

It is an essential tool for businesses to increase revenue and reduce costs. But how can they actually achieve this?

Integrate not innovate

Each overseas market has its own unique needs that influence how buyers pay. That said, businesses should take note that end users – whether consumers or other businesses – want to feel secure and have that sense of familiarity when making a purchase. To achieve this, payment trends in various areas can be leveraged through two crucial strategies: local acquiring and local payment methods.

For example, the Dutch payment method, iDeal, is used by more than half of the Dutch population with 99 million iDeal payments made through non-Dutch websites. By offering IDeal, international companies are able to convert Dutch customers. Offering local payment methods increases conversation rates and decreases the number of payment changes for local customers. Businesses don’t need to create the latest payment technology themselves, they just need to partner with payment providers to help them integrate local payment methods, to reassure global customers.

Also, when it comes to card payments, acquiring local cards is essential. This is when local payments are processed through their local region. For example, local acquiring would allow a UK business with a US entity to process US cardholder transactions through their US entity, helping the business not only avoid cross-border charges, but also to increase authorization rates and conversions.

Localizing the customer experience also gives businesses the ability to reduce and better manage chargebacks, as there will be no confusion on buyers’ bank and card statements.

In short, if companies want to guard against abandoned checkouts and post-purchase disputes when they expand globally – i.e. increase sales and reduce costs – they need to address their transactions locally and adapt to local payment preferences.

Everyone wins with in-app payments

Another key element of payment orchestration is integrated payment, which is the ability to integrate payment processing into a financial or non-financial brand’s existing software. This allows businesses to accept payments through their own apps and systems rather than through a separate product or vendor.

The integrated payments market is estimated to grow to over $7 trillion over the next ten years – and it’s already delivering benefits to businesses and their customers.

For businesses, this opens up new revenue streams by allowing them to monetize payments and offer new products and services directly to their customers, rather than through third-party websites and third-party sites that take customers away from their own channels.

For customers, it provides a frictionless user experience and faster checkout. Integrated payments not only allow customers to purchase products and services from sellers in a single, easy-to-use platform, but also to purchase financial services from traditionally non-financial brands.

Embedded payments are already transforming a number of non-financial industries. For example, in the education sector, software companies like VeraCross are helping schools get paid faster by optimizing the payment experience and giving end users more ways to pay. This allows higher education institutions to provide a central location for tuition fees, purchases from school stores, and donations – monetizing these payments for schools and providing convenience for busy students. That said, in-app payments are just one element of payments orchestration and for businesses to take full advantage of this strategy, there needs to be a total overhaul where payments orchestration is at the heart of every experience. of payment.

Reduce costs with payment efficiency

The final pillar of payments orchestration concerns those who perform B2B payments and transactions – the process of automating the accounts receivable (AR) process.

Automation allows companies to transform arduous AR processes into an optimized, efficient and consistent process. This process is key to increasing revenue, as businesses need to keep overhead costs in mind.

Those who looked inside discovered that they could get paid on time if they optimized their invoicing and invoicing procedures. In fact, 89% of companies that have automated their Accounts Receivable (AR) processes now get paid on time because it eliminates the risk of human error. This improved efficiency relieves AR teams of arduous tasks and manual processes, allowing them to focus on delivering great customer service.

As augmented reality teams have more time to focus on portion rather than chasing them, we see an increase in productivity. According to our research, increased productivity translates to a 67% increase in customer satisfaction and a 56% improvement in customer retention.

Orchestrating a better future for business

Payment orchestration increases a company’s profit-generating capabilities by optimizing payment processes. And, if you think checkout experience has nothing to do with the bottom line, you couldn’t be more wrong.

By organizing all aspects of payment processes in one place, businesses can focus on their core competency while generating passive income. From local payment types to integrated payment experiences and AR automation, businesses are taking a step closer to increasing profits through payment orchestration.

Monthly payment for those hosting Ukrainian refugees set to reach €800 – The Irish Times https://lescouleursdeluce.com/monthly-payment-for-those-hosting-ukrainian-refugees-set-to-reach-e800-the-irish-times/ Mon, 24 Oct 2022 19:37:04 +0000 https://lescouleursdeluce.com/monthly-payment-for-those-hosting-ukrainian-refugees-set-to-reach-e800-the-irish-times/

The government is expected to double the monthly payment for those hosting Ukrainian refugees to €800 and expand a program to build modular homes as it strives to provide accommodation for those arriving in Ireland.

Government sources have indicated that a figure of €800 is to be agreed for hosts, and that there will be a call for vacancies led by local authorities and the Housing Department.

However, the Absorption Ministry warned on Monday that there was “no expectation” that the number of arrivals from Ukraine and elsewhere will decrease in the autumn, saying that “the prospects for the availability of adequate housing are extremely difficult”.

The modular home program is increased by 200 units from its initial level of 500 homes. However, the Office of Public Works said the houses will only be brought into use gradually in January and February next year.

Another 800 people are expected to be housed through the expansion of the schemes, bringing the total to 2,800. A main contractor, Sisk, has been appointed and has subcontracted five companies to build the houses.

An OPW spokeswoman said the government “has approved the construction of 500 modular homes that can accommodate up to 2,000 people in four-person family units. The program will expand to deliver another 200 homes, bringing the total at 700″.

Meanwhile, senior ministers have been considering proposals to reduce simplified access to medical cards for people fleeing war in Ukraine.

The Cabinet Sub-Committee on Shelter and Support for the Ukraine Crisis met to discuss options for dealing with a growing crisis by providing people fleeing war, as well as international protection seekers with other jurisdictions.

It is understood that among the proposals considered was one that would introduce assessments for medical cards issued to beneficiaries of temporary protection (BOTP), the classification given to those seeking refuge here after the war in Ukraine.

Sources said they would be assessed for eligibility based on an allowable financial threshold, in plans to be discussed.

Medical cards are issued to people ordinarily resident in the state after a means test that includes income, as well as savings, property, and investments. Currently, there is a simplified application process for medical cards for those coming from Ukraine as well as expedited options for payments and social benefits.

Revenue Commissioners records show there are 9,520 people seeking refuge from the war in gainful employment, with some 4,080 employers.

The sub-committee reviewed a series of proposals that were submitted by all departments. These include increased payments for those taking in Ukrainians and payments for those offering vacant housing for use.

A charge for those staying in hotels, in exchange for services they receive such as laundry, food, transportation and other consumables, is also contemplated on the basis that these services are not provided for those who live in rented accommodation.

The proposals included charging a payment for those who are in direct provision but are allowed to stay in the country and work after being granted international protection status. Other measures, such as a payment to induce or assist people to leave direct provision, were to be discussed – although a payment and notice of departure were ruled out given the difficulties in accessing rental accommodation private, a source said.

The committee was also due to discuss increased checks on applicants for international protection (IPs) at airports, renewed interest in pre-fabricated and modular housing, a planned new facility at the airport due to open today. hui and the hiring and conversion of larger centers for the processing and accommodation of people entering the reception system.

Renewed focus should also be placed on advancing elements of the government’s plan to end direct provision, including the purchase of reception and integration centers for international protection claims, which would provide outlet or an alternative to direct supply.

Before the meeting, the government was very concerned about the political and humanitarian consequences of the current situation. With more than 54,000 Ukrainians in Ireland, including more than 30,000 in hotels, the situation is extremely tense. The number of arrivals and applications for international protection has also increased, with more than 15,500 spread across the system.

The pressures lead to finger-pointing within the Coalition, with Green Party sources privately complaining that Absorption Minister Roderic O’Gorman has been left to handle the whole situation, with little modular accommodation , converted buildings or other medium-term options for people currently in emergency accommodation or with services who come forward. “Everyone took their foot off the pedal, a source said Monday morning.

Meanwhile, Public Expenditure and Reform Minister Michael McGrath has promised Ireland will not turn back Ukrainian refugees seeking protection here despite housing pressures.

Mr McGrath acknowledged that the recent increase in the number of Ukrainians arriving in Ireland, currently estimated at 1,500 or more a week, was putting pressure on the state and that it was not acceptable for Ukrainians to be turned away from homeless shelters as happened over the weekend.

But he said Ireland would not tell the European Union or the Ukrainian government that it could no longer accept Ukrainian refugees despite the enormous challenges it posed to the government to secure housing for them all.

“We have international obligations which we have signed at EU level and we will fulfill our obligations and there will be no declaration that Ireland is closed to Ukrainians. That will not happen,” Mr. McGrath ahead of today’s Cabinet sub-committee meeting on the matter.

“But we also have to be honest with people who are considering coming to Ireland, that there is no guarantee of immediate accommodation and the system is under pressure,” he added when taking part. at the Public Service Innovation Conference in Cork. Hall.

“But, that said, I think what we have achieved is very important, providing accommodation for over 40,000 people, and we will explore all possible avenues to see what more we can do to ensure that we provide basic housing and support for people who come here. »

Mr McGrath said 55,000 people had fled Ukraine and come to Ireland since February and that 42,000 of them were staying in state-paid accommodation and around 5,000 others were living in accommodation promised by people who had contacted the Irish Red Cross to offer accommodation.

He said the government had issued around 43,000 medical cards to Ukrainians while some 12,000 Ukrainian children attended Irish schools, but the government estimated that the cost to the public purse of supporting all Ukrainian refugees for the whole of 2022 would be around 1 billion euros.

“This is the biggest mass movement of people since World War II and it’s not just Ireland that’s under pressure – many of our European neighbors are under pressure too – we’re doing the best we can,” did he declare.

FOUR Stock: Payment processor expands internationally with Starlink and acquisitions https://lescouleursdeluce.com/four-stock-payment-processor-expands-internationally-with-starlink-and-acquisitions/ Fri, 21 Oct 2022 20:24:00 +0000 https://lescouleursdeluce.com/four-stock-payment-processor-expands-internationally-with-starlink-and-acquisitions/

Shift4 Payments

Shift4 Payments





Analysis of MICI stocks

  • Stocks Consolidate in 14% Base Below Entry Point
  • Buy point at 51.52, but earlier an aggressive move may be possible
  • The relative force line is stable; The RS rating is 77 out of a potential of 99

composite score

Industry group ranking

Emerging model


* No real-time data. All data displayed was captured as of 1:13 p.m. EDT on 10/21/2022.

Shift4 Payments (FOUR) is today’s IBD stock as shares of the digital payment processor consolidate to a lower base of around 14% below an entry point.


Shift4 holds an entry point of 51.52. But investors should watch for a strong move in FOUR stock above its 50- or 200-day moving averages for an earlier, more aggressive buy point. Shares edged higher to close at 45.37 on Friday.

Shift4 is expected to release its third quarter results on November 7. Investors may want to be cautious ahead of the earnings report. A strategy around profits would use call options.

In the June quarter, Shift4’s earnings rose 30% to 30 cents per share while revenue soared 44% to $506.7 million.

IPO of Shift4

Shift4 launched its IPO in June 2020 with shares priced at 23.

So far this year, FOUR stock has fallen 17% amid the bearish stock market. Shift4 stock holds a relative strength rating of 77 out of the best possible 99, according to IBD Stock Checkup. The best stocks tend to have an RS rating of 80 or higher.

But the relative strength line of the Shift4 stock remains stable.

The RS line, plotted in blue on every daily stock chart and weekly chart from IBD on Investors.com, compares a stock’s price performance with the S&P 500. If the line rises, it means the stock is outperforming the S&P 500, a market benchmark. . When it moves sideways it is more or less in line with the S&P 500 and when it is down it is underperforming.

Additionally, the Shift4 stock has an accumulation/distribution rating of B-minus. The rating analyzes the price and volume changes of a stock over the last 13 weeks of trading. The rating, on a scale of A+ to E, measures the institutional buying and selling of a stock. A+ means large institutional purchases; E stands for heavy sale. Think of the C note as neutral.

FOUR stock: Acquisition strategy

Shift4 derives the bulk of its revenue from customers in the hospitality and restaurant industries as well as casinos. It has expanded to sports stadiums, airlines and charitable donations as well as food and beverage companies. A new customer is Elon Musk’s satellite broadband service, Starlink. It operates in 20 countries.

Acquisitions have played a role in Shift4’s strategy. To help drive international expansion, Shift4 announced in early 2022 the acquisition of Finaro for $575 million. Finaro is a pan-European cross-border e-commerce platform with banking licenses in Europe, Japan and Hong Kong.

The purchase of Finaro should be finalized by the end of the year.

Additionally, Shift4 acquired software maker VenueNext for $72 million in March 2021 as it targets sports stadiums.

Another part of Shift4’s strategy involves the growth of “gateway” services. The Gateway software connects a merchant’s business operations to Shift4’s payment platform, said MoffettNathanson analyst Eugene Simuni.

“Shift4 provides gateway services to much of the US hosting industry, but is the payment processor for a much smaller share of hosting customers,” Simuni told IBD in an email. “So Shift4’s strategy is to convince its gateway-only customers to switch to using Shift4 as their end-to-end (payment) processor.”

Gateway processing accounts for 10% of Shift4’s revenue. Overall, the company derives 70% of its revenue from end-to-end payment processing and the rest from subscription software.

Shift4 to make free cash flow positive

Bullish analysts point to Shift4’s profitability. It adjusted the EBITDA margin – earnings before interest, tax, depreciation and amortization – by around 35%. Additionally, Shift4 is expected to generate positive free cash flow in 2022.

However, Goldman Sachs has a neutral rating on FOUR stock amid fears the US economy could slide into recession. If that happens, Shift4’s exposure to the hospitality industry could be a problem, Goldman Sachs analyst Will Nance said in a recent note to clients. Nance recently met with the management of Shift4.

“Overall, the message was positive as the company was very confident in its ability to grow end-to-end volumes despite a potential downturn, Nance said. “Furthermore, we have come back progressively positive on the company’s ability to achieve gross margin expansion and (free cash flow) conversion.”

Follow Reinhardt Krause on Twitter @reinhardtk_tech for updates on 5G wireless, artificial intelligence, cybersecurity and cloud computing.


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WALO Launches Educational Payment Cards to Help Parents Raise Smart Kids https://lescouleursdeluce.com/walo-launches-educational-payment-cards-to-help-parents-raise-smart-kids/ Wed, 19 Oct 2022 13:00:00 +0000 https://lescouleursdeluce.com/walo-launches-educational-payment-cards-to-help-parents-raise-smart-kids/

WALO launches Mastercard® prepaid cards for children in Canada

WALO is thrilled to announce the launch of the WALO Card, a reloadable prepaid Mastercard®, to help parents raise smart kids in the age of digital money.

According to our research, 86% of parents wish they had better money management skills when they were teenagers, and 87% don’t want their kids to make the same financial mistakes they did.

— Rim Charkani, Co-Founder and CEO, WALO

MONTREAL, QC, CANADA, Oct. 19, 2022 /EINPresswire.com/ — The WALO Card comes with a fun mobile app for families that allows parents to use allowances as an educational tool to teach their children about financial responsibility.

Recent economic woes are a stark reminder that a shocking number of North Americans are living paycheck to paycheck. It also reminds us of how constantly stressful and divisive money can be for families. Providing solutions that help kids build good money habits is more urgent than ever. WALO, a Canadian fintech company, believes the narrative must change and is on a mission to build a solid foundation to ensure the financial well-being of future generations.

“80% of parents think allowance and chores are a practical way to help them learn the value of a dollar. We created WALO to give every child the opportunity to learn the basics of personal finance early on, so they can do better than us as young adults” – Rim Charkani, co-founder and CEO.

With WALO, parents can automate their children’s allowances and household chores, monitor their expenses, record their school activities and progress, and send them money in real time. Children can personally manage and track their money and allowances. They can use their own prepaid card to shop online and in-store. They are encouraged to create savings goals and set budgets for their next big purchase, while learning through educational content and taking interactive quizzes.

The WALO map and app are now available to all Canadian residents on Android and iOS devices.

Rahul Srivastava
WALO Technology
+1 647-557-7554
Visit us on social media:

Raising Money-Smart Children with WALO