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Empower your remote workforce to accept payments on any device

Many organisations across the UK have a distributed sales force or remote service engineers that are often faced with many issues accepting card payments when closing a sale or asking their customers to pay for goods or services. If you are one of those organisations, you might identify with the problems below with your current payment solution:

The problem with mPOS

Problems with mPOS

New “mPOS” (Mobile Point of Sale) technology has come on leaps and bounds and allows individuals to accept cards using their mobile device. The issue in a mandatory “Chip and PIN” world outside of the US is the “PIN” part. Heavy regulation means that you cannot ask a customer to input their PIN into a remote worker’s device unless it is an approved unit. These units come in many flavours, and are often paired by Bluetooth technology. They require the user taking the card payment to be tech savvy and understand how to process the payment.

This is sometimes a huge challenge for the rollout and subsequent user training of these devices. What happens if a unit malfunctions or people leave the organisation – how do you then re-allocate from a management schedule? Upfront cost is also a potential barrier to entry for some organisations, as initial costs can range from £50 to over £200, depending on the type of unit you roll out.

Even if you can manage the cost and expected return – what happens outside of major conurbations that do not have sufficient data coverage to process the payment? What happens if one of your customers lives in a basement flat outside of a city? Surely there must be a better, more cost effective solution to solving this problem.

One of the biggest advantages of offering a way to accept card payments for any organization, besides the obvious revenue benefits, is that adding card payments offers control. The ability to closely monitor what sales reps and field staff are charging, and even control what you want them to charge without relying on them to input the right amount would often be utopia. But is not something that mPOS can bridge.

The problem with scribbling card details on a piece of paper

primitive mobile payments technique

I’d like to think that gone are the days where a sales rep would visit your house, and you accept to go ahead with a deal, only to find they are scribbling down your card number on a grubby notepad to take the payment when they get back to their head office, and then pushing that card number through a virtual terminal.

There are 2 huge problems with this. The first is the obvious lack of any PCI compliance. Whenever anyone takes a card payment, PCI compliance is mandatory and is heavily enforced.  Fines imposed by the UK regulators for breaking PCI compliance can run into millions of pounds.

The second problem is that even if the sales rep has left your customer’s house with the card details, the customer hasn’t actually committed funds to the deal. The customer could decide not to go ahead and is less committed until those funds are processed.

Judo is the global leader in mobile first payments, and we help bridge the technology and PCI gap for many large UK customers. To find out how judo can help empower your remote work/sales force to take payments anywhere on any device, please give us a call at +44 (0) 203 503 0600.


About Judopay · Judopay simplifies in-app payments, enable frictionless checkouts and intelligently prevents fraud for leading companies globally. Our payments and mobile experts help guide businesses and their development partners to create best in class apps to make paying faster, easier and more secure. Founded by serial financial technology entrepreneurs in 2012, Judopay is backed by leading venture investors and supported by banking and card scheme partners to offer in-app payments that are simple, frictionless and protected.

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