On Thu, 27 Dec 2018 at 19:04, Daniele Santini <danysa...@gmail.com> wrote:
> If I understood correctly from the mailing list networks like PayPoint are > different, they allow you to top up prepaid credit and to pay other things > (where you put the money in). So I don't think payment:* is correct here. > More on the mechanics of PayPoint. I don't claim to know everything it does, but this is from personal experience and from minimal research. So, in no particular order... 1). Whatever it is I am paying for using PayPoint (topping up a phone, paying a gas bill, whatever) I can pay using cash, or a credit card, or a debit card. Or, if necessary, a mix ("I don't have enough in cash or in my bank account, so take this money and debit the remainder from this card"). 2) PayPoint allows me to top up my mobile. The machine dispenses a voucher with a number I can then text to the mobile network operator. It used to be the case (and maybe still is) that the network operator will provide an ID card on request: that card gets swiped, you make the payment and your phone gets topped up automagically. 3) PayPoint allows me to top up my electricity key. The key is inserted into a machine which loads credit onto it, then I put the key in my meter. In fact, it appears that PayPoint is the only way I can top up my meter key. After taking a further look at their website, it appearsthat meter top-ups, rather than phone top-ups, were how they got started and they've since expanded into all the other stuff. 4) PayPoint allows me to pay some or all of my gas bill. I hand over my payment card (supplied to me by my gas provider) which is read and the amount I hand over in cash or have debited from my credit/debit card is transferred to my gas supplier with a note of my customer account ID read from the card. 5) As 4 but a payment (in whole or in part) to my water provider (utilizing a card supplied by my water provider). If I didn't have an electricity meter key then I could pay all/part of my electricity bill this way. This may not apply to all utility companies but it does apply to many of the major ones. 6) I believe regular payments, arranged with utilities, can be paid this way. I.e., rather than a standing order I could use PayPoint once a month. 7) At PayPoint I can top up phones with any of the UK's four main mobile network operators (EE, Three, O2 and Vodafone). I don't think I can top up Tesco Mobile there, even though Tesco Mobile makes use of O2's network. Tesco doesn't have PayPoint in its stores and refused even to tell me why when I queried their head office, so I doubt they have any sort of arrangement with PayPoint. I don't know what the situation is with any of the hundreds of other virtual mobile network operators in the UK because I don't use any of them. 8) Exactly what else I could pay for I am unsure since PayPoint don't provide a full list. TV licence is one of them. Topping up an Amazon account using cash is another (if you have a credit/ debit card anyway you'd probably use those when purchasing online, but if all you have is cash then this is the way to do it). 9) So PayPoint handles top-ups, payments and pre-payments (by my definition, a top-up is something you pay for when you need it; pre-payments are contractually-scheduled regular payments). 10) The PayPoint stuff is (at least these days) integrated with EPOS at the shop. I get my electricity key topped up, get a phone top-up, pay my gas bill and buy a six-pack of beer and the EPOS presents me with a combined total that I pay for in a single transaction (I insert my debit card just once, at the end). I don't know if PayPoint handles the part of the transaction for goods sold directly by the shop or if that's handed off to a different transaction processor, but it appears probable from their ambiguous blurb that PayPoint processes the entire transaction. 11) Apart from the purposes of this discussion, I don't need a list of what I could pay for with PayPoint (whether on the PayPoint website, or held in the OSM database, or held in an auxiliary database) because I will already have been informed by the goods/service supplier that I can pay using PayPoint. If the goods/service supplier has not explicitly stated that I can use PayPoint then I can't. OTOH, some supermarket chains that don't partner with PayPoint offer top-up services for the mobile network operators and some of the virtual ones. Which complicates tagging somewhat, since you have to cater for both situations. 12) None of this may apply in some (perhaps even most) other countries. But it's likely to be only a matter of time (PayPoint is already operating in Romania). PayPoint is fulfilling a need and life would be a lot more complicated without them. They say that their network is bigger than all of the UK's banks, post offices and supermarkets combined. If PayPoint themselves don't start operating in other countries it's likely somebody else will start operations using their business model. So be prepared to handle something like PayPoint (perhaps with a different name) in countries other than Romania and the UK in future. I hope that all helps rather than confuses. -- Paul
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