I have now been working in the Australian payments industry for a while and I am observing my own payments experiences everywhere I go... I love to use tap-and-go as often as I can and I hardly ever have cash on me these days, so I thought it would be hard for me to experience a "WoW" factor around NFC contactless transactions...
But the new McDonald's touch screen kiosk with self-service checkouts including NFC contactless payments are so quick and simple that I was very impressed. McDonald's has made a huge investment into these large screens and apparently the very intuitive software was build in Scandinavia... Soon we will see sensors underneath the tables that will tell the Maccas staff where a customer took a seat while waiting for his or her order number to be brought over.
I now visited two of these Maccas restaurants around Sydney and customers seem to love it.
Normally it is not allowed to film in a McDonald's restaurant for privacy purposes, but the operations manager allowed me to only film the screen... Watch yourself how easy the order process is and how quickly the order information and payment total is passed to the contactless Ingenico device. The payment and order receipt is printed within a split second as well. The Ingenico payment terminal supports Mastercard, Visa, Amex and Eftpos.
Working at Mint Payments I can appreciate what the guys have done and the Mint team has build a deeply integrated payments SDK as well, that allows retailers and restaurants to do similar integrations with their POS systems or touch screen terminals in-store or even on the go. MYOB for example has embedded the Mint SDK deeply into their MYOB PayDirect app that communicates with Mint's bluetooth card reader, so that small business owners such as tradies or plumbers can now offer a convenient payments experience anywhere they go as well - no electricity or telephone cables required! Mintegrate is real innovation made in Australia. Exciting times.
Bjorn Behrendt is a serial entrepreneur with an extensive knowledge about online retail, payments and mobile commerce.