Tag: POS

By Luis Monzon for IT News Africa

Zapper, a South African independent mobile payments, insights, loyalty, and rewards platform, has announced that merchants using the platform will now be able to accept tap-on-phone payments.

The new functionality gives them access to virtually all digital payments without the need for any additional point of sale hardware and irrespective of whether consumers have the Zapper app.

“After a successful pilot phase, we have rolled out new functionality available to all Zapper merchants which enables them to accept physical card payments as well as mobile wallet payments, such as Samsung Pay, Apple Pay, Garmin Pay, and others. The consumer simply taps the physical card or mobile device on the merchant’s compatible Android smartphone,” explains Brett White, CEO of Zapper.

This new upgrade also supports pin-on-glass functionality, which means consumers who have exceeded their verification limit can safely enter their pin on the merchant’s Android smartphone and proceed with their transaction in the same manner as they would on a normal pin entry device when checking out.

A phone as POS

“Previously our merchant app was primarily a tool for our merchants to get their payment confirmation feeds through a push notification, in real-time, eliminating the need to wait for an SMS, email, or logging into the merchant portal online. It also allowed merchants to generate a QR code or payment link quickly and easily. Now, the app also turns the merchant’s phone into a point-of-sale device without the need for any additional peripheral hardware,” White explains.

All consumers in South Africa will be able to make use of the new payment option whether they have the Zapper consumer app on their phone or not.

“Our Zapper Merchant app will still enable shoppers to easily scan and pay the app-generated Zapper QR code or alternatively tap and pay using their physical bank card or mobile wallets. The primary aim of our latest offering is to ensure our merchants can accept as many payment methods as possible,” White says.

How to use Zapper tap-on-phone

All an existing merchant needs to begin accepting tap-on-phone payments is to have the Zapper merchant app installed on an Android device that is NFC enabled and running version 9.0 or later.

The security of the tap-on-phone offering meets the stringent requirements of physical point of sale devices, and consumers will benefit by not needing to hand over their cards to the merchant, making it a truly safe and contactless payment experience.

With this recent addition, Zapper merchants are now able to accept a comprehensive suite of payment options. This includes vouchers, mobile wallets, and third-party options integrated onto the Zapper network including Ozow; Buy Now Pay Later options such as MoreTyme; some cryptocurrency in the form of 6dot50; and now the card-present payments via the tap-on-phone offering – all through a single account.

“The tap-on-phone offering is a significant addition to our payment network and, along with our continuously evolving loyalty and rewards offering, Zapper merchants now have a comprehensive payment acceptance capability and enterprise-level retail insights and payment solution that can be managed entirely via their smartphone,” White wraps up.


Card skimming is a problem in South Africa, with debit and credit card users scammed out of money thanks to advanced software and hardware used by criminals.

Waiters and bar staff at restaurants are often perpetrators of card fraud, and in some cases are recruited by syndicates and supplied with the means to steal customers’ money.

“The card fraud perpetrators provide business staff with handheld skimming devices and reward them for skimming customers’ cards,” states The Banking Association of South Africa.

If you visit a restaurant or bar and are concerned about card skimming fraud, this is what you need to watch out for.

Shoulder surfing and thermal technology

When entering your PIN into a point-of-sale device, make sure the keypad is covered and not visible to others.

Waiters or bar staff may “shoulder surf” their victims, watching them enter their PIN.

Armed with a smartphone and a thermal imaging attachment, criminals can also steal your PIN using thermal technology.

Because you leave behind a thermal signature when you press buttons on a keypad, criminals can use a smartphone with a FLIR ONE thermal imaging attachment to figure out your PIN.

As there is a time lapse between the time you press the first and last buttons, it is easy to figure out what your PIN is.

To combat this, touch all the buttons on the keypad after entering your PIN.

The victim’s card is often stolen or cloned during the transaction or at a later time in combination with the above.

Dropping or cleaning the card

Watch out for a waiter who drops you card, leaves the table with your card, or states that your card needs cleaning.

Card skimming devices can be hidden under an apron or on a waiter’s ankle, and only require one swipe to store card details.

A waiter may “drop” your card at the table, and swipe it on a device attached to their ankle, or “clean” the card’s strip by wiping it on the inside of their apron – skimming it at the same time.

Also ensure that the waiter does not leave the table with your card to “fetch a new card machine”, as they will have ample time to skim it.

These tricks are used in combination with shoulder surfing.

The broken card machine

“This card machine is not working so I am just going to get another one quickly.” This is a line patrons must listen out for.

Waiters may have a point-of-sale device which has card cloning software loaded onto it.

You swipe your card and enter you PIN like you would on a normal card machine, but this device records and stores all your information.

When you are done, the waiter claims the machine is broken, and fetches the restaurant’s legitimate POS device to settle your bill.

Using fake point-of-sale devices

Handheld skimming devices often resemble real POS devices, with only small differences noticeable.

First Calgary Financial has advice for spotting the difference: if you cannot insert your chip card with your thumb pointed at the device and have your thumb remain fully on your card, do not enter your PIN.


Tips to avoid becoming a victim:

  • If you suspect a card machine is fake or being used suspiciously, demand to inspect it and call a manager to verify it is legitimate.
  • Never let your credit or debit card out of your sight.
  • Cover the keypad when entering a PIN.
  • Inspect all slips from POS devices, even after failed transactions.
  • Sign up for SMS notifications from your bank, and regularly check your bank statement.
  • Check your card after every transaction – ensure it is the correct card.
  • Touch, but do not press, other keys on a keypad when entering a PIN, as criminals may have access to thermal technology.
  • Use cash if you feel uncertain about the POS device or establishment.

Source: www.mybroadband.co.za

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