more social dynamic ways for us to pay in this web 2.0 world
Since i have switched my accounts to a post office account i have taken off the ability to have overdrafts, being able to take money out of a machine - etc. Right now i only get some benefits onto that card and i know every few weeks i get that amount. This makes paying for other services that require visa cards and stuff very difficult to organise quickly. It's a case of getting cash out and putting into my own/someones visa card and calling up to get the payment done manually. I'm having to do this today to pay of my bethere account as i got disconnected last night at home. ugh.
But it started making me think about a few suggestions and ideas for payment systems that i have previously used when i ran my own gameserver provider (gsp) called clanlife mainly for clan members that were under 18 and had no access to visa cards but did get pocket money (some £10+ a week) and they wanted an easy way to chip in together to make payments for their clan server. We tried to make the process ultra easy - the first thing we tried was mobile payments. Everyone sent a text message to a certain number and paid £3 -> £6 and between them they clubbed together and paided off the server for four weeks. This worked really well and we had a great callback system that updated the total so you could see who had paid. If you updated that for the social network arena today and did a crowd sourced service for services, sorta like a social cloud payments system for people to help out paying certain 'services' - for instance dreamhost one of my server hosts has a simple donations system that is hooked up with paypal that works well, even that could be extended with something like google checkout - the ultimate is 1 or 2 clicks for a user to pay quickly. that's why i like google checkout so much you can do that after you have signed up and added/verified your payment details. works extremely well, the ultimate thing is not to stress your client - i'm surprised that more taxi ranks do not have a prepaid kind of system in place. The only problem with the mobile phone sms message system was that most operators operate on a three month cycle before you get payment and they often argued the amount of messages they received and so for a small company it was always hoping that you were going to get paid the money and if the total was correct. This might have changed since and might be a faster timeframe to get paid but for a very small startup like i was having regular monthly cashflow was very important. The other thing we went to try was splashplastic. A card similar to the post office card but mainly aimed at under 18's to be able to top up the card with money that can then be used online. Of course it required a visit to the post office (and loads of them seem to be closing down!) to topup the card but the concept was good. Would be good if you could cross it over somehow and have some donation based system for paying into the card without going to the post office. I'm hoping that more places think about adding additional ways to pay.Burton Upon Trent, United Kingdom







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