CARO, Michigan – GC Express, a gas station northeast of Flint, Michigan, now offers a free coffee or fountain drink as a way to entice customers to pay with their cellphones – a payment program linked to a credit union local which will ultimately mean a cheaper transaction price for the trader.

The Caro, Michigan station is in partnership with Team One Credit Union, Saginaw, Michigan, and its mobile banking app. Customers using the mobile app for fuel purchases over $ 10 will receive the free drink.

The payment service is sourced from vendor MShift, Newark, CA, and is integrated inside the store and at the pump through Verifone’s Commander Site Controller, based in San Jose, CA.

Team One Credit Union is the first financial institution in the United States to issue MShift’s patented AnyWhereMobile Payment Network app, making it available for its members to use on their iPhone and Android devices, MShift officials said.

“Gas stations in our community are thrilled to have a mobile payment option issued by a trusted local financial institution that cuts their redemption costs by more than half,” said Tim Ferrio, Online Services Supervisor at Team One Credit Union, adding that gas stations pay a flat fee of 15 cents per transaction. “By the end of 2016, we hope to open 20 service stations in Michigan, using the Verifone Commander site controller, and benefit both service station owners and our members. ”

To pay with AnyWhereMobile, Team One members open the mobile banking app on their smartphone, scan the Quick Response Code (QR) at the pump or checkout, and authorize the transaction using their phone number. personal identification (PIN) or their fingerprint. Once the transaction is completed, they receive a receipt for their purchase via the mobile-banking application. Over 30 other local merchants near Team One also accept AnyWhereMobile payments.

AnyWhereMobile transactions are equivalent to real-time money transfers within a bank or credit union. There is no risk of insufficient funds for the trader as this is not an Automated Clearing House (ACH) transaction, MShift officials said. ACH transactions often rely on a “float” period to settle transactions. In addition to securing transactions and reducing risk, AnyWhereMobile lowers transaction costs for merchants, and they can invest the difference in improving and expanding their rewards programs to increase customer engagement and retention. , MShift officials said.

“We are unlike any other mobile payment platform on the market today,” said Jacqueline Snell, vice president of strategic initiatives for MShift. “We are not an ACH transaction and we do not run on existing and expensive payment networks. We offer higher security and lower costs for the benefit of everyone involved.

Commander Site Controller is Verifone’s site management software platform that supports all brands of petroleum and cards, delivering increased speed with acceptance of payments at the pump and in-store, refueling operations and back office control. It integrates applied programming interface (API) protocols based on the Conexxus Mobile standard to streamline the ability of gas stations and convenience stores to support mobile payment applications while improving business processes, reducing costs and increasing productivity. Conexxus is a standards body based in Alexandria, Va. That advises the convenience store industry association NACS on technology issues.

“Verifone facilitates the acceptance of alternative mobile payments, enabling service stations to improve the customer experience,” said Dan Yienger, senior vice president and general manager of petroleum for Verifone. “Our point of sale and site management software solutions help operators better run their businesses, improve profitability, retain consumers and accept mobile and EMV payments. [or Europay MasterCard Visa data-security processes]. We are committed to integrating Conexxus standards into our open API.

Verifone manages a multitude of transaction functions, including connected commerce opportunities. It connects payment devices to the cloud, merging the online and in-store shopping experience and creating the next generation of digital engagement between merchants and consumers. The company has a 30-year history of data security with approximately 29 million devices and endpoints deployed worldwide. It has customers and partners in over 150 countries, including many well-known retail brands, financial institutions and payment providers.

MShift launched one of the first mobile banking applications in the United States in 2001 and now introduces AnyWhereMobile, a patented mobile payment network that offers an alternative to plastic card networks. In addition to mobile banking applications, AnyWhereMobile can be integrated with merchant mobile applications. AnyWhereMobile is the only open-loop mobile payment network that benefits customers, merchants and financial institutions while reducing the cost of accepting payments for physical and online commerce to a flat fee of 15 cents per transaction with no fees additional charges or chargebacks.

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