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Imagine that you are at a coffee shop or restaurant, your meal is over, it is time to pay for your bill. You pull out your phone, scan a barcode via an app, enter a pin, and the bill is settled in seconds. Well, this is now possible.

Standard Bank have an app out there that is capable of allowing consumers to pay for purchases through a combination of QR code and PIN, with their smartphones.

How to sign up:

  1. Go to your app store, download the SnapScan app (Available on iTunes, Google Play, and Blackberry World)Screenshot_2014-05-28-12-12-06
  2. Enter your email addressScreenshot_2014-05-28-09-39-53
  3. Register (a 30 second process of entering your email address and name)Screenshot_2014-05-28-12-03-49
  4. Scan your card – your phone will take a picture of the card and picks up the card number (accepts MasterCard & VISA)Screenshot_2014-05-28-12-04-50
  5. Choose a PINScreenshot_2014-05-28-12-08-18
  6. Find a merchant to use it atScreenshot_2014-05-28-11-56-20

The app can search using your phones GPS to find the closest merchants that are signed up with SnapScan, or you can search by area.

SnapScan can be used with any MasterCard and VISA credit or cheque card, as well as selected debit cards, issued by any bank in South Africa. The card details are encrypted and only stored on your phone.

Powered by Standard Bank, SnapScan do not charge any fees for this service.

Download it, give it a try & let us know what you think…

 

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I am one of those people who are a bit sceptical about getting a credit card. Yes, they may be useful for purchasing online, for booking flights, which honestly is probably the only reason I would consider getting one. However, my fear in getting a credit card comes from the idea that I would overspend, maxing out my card especially knowing that I can rely on it as my emergency cash float when times are a little dry financially.

That’s where products like the 1-2-Pay-Online virtual card comes in handy, now I am able to shop online, book my flights and fulfill all my online purchasing needs with this one virtual card, without the concern of getting swipe happy with my credit card

Developed by Triloq Payment Services, a World of Avatar company and issued by Standard Bank in association with MasterCard, the system was created to remove barriers for would-be online shoppers and to increase online sales across the board and is designed for online shopping use only.

Registration for the virtual card is pretty straight forward and is open to any South African with a valid ID number. You can register on the 1-2-Pay-Online website in order to create and use the virtual prepaid cards. Online shopping demands the highest level of security and therefore the 1-2-Pay-Online virtual prepaid card created may only be used once, on any websites accepting VISA or MasterCard. Any funds left over are returned to the user profile. Should you wish to shop online again just create another virtual prepaid card, it’s as easy as that.

With no lengthy application forms, no credit checks, no annual fees, no interest charges or any other hidden fees you simply pay as you go.

As simple as that, music and movie enthusiasts can now pay for their favourite tracks and videos on iTunes using the virtual card and can even skip the queues when paying for E-Toll bills. Just like that, the 1-2-Pay-Online virtual card is making payments and shopping that much simpler and so much more convenient.

The value of cards you may create is dependent on whether or not you have been FICA verified by 1-2-Pay-Online, all for your safety and security. A non-FICA verified user can create cards up to maximum value of R200. If you are a FICA verified user then you may create cards up to a value of R1500.

To pay for your E-Toll bill, for example, you would then register for and load your 1-2-Pay-Online virtual card with the relevant amount, log on to the E-Toll website and click on online payments under their ‘payment options’ tab, log in and pay for your bills using  your virtual card like you would with a credit card.

etoll

Each virtual card you create will have a unique 16-digit card number, expiry date and security number (usually referred to as the CVV/CVC or “last three digits” on the back of the card).

The great thing about this virtual card is that, even when you have loaded too much money on your card, the remaining balance will then be credited to your 1-2-Pay-Online profile, for you to use the next time you  register for a card.

Now there’s no more worry about overspend, with 1-2-Pay-Online, online shopping is as easy as 1-2 -(3)!

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The Christmas season is always filled with the hustle and bustle of running around, trying to figure out if you’ve bought enough presents for everyone, if  you’ve budgeted enough for your spends and if the grocery cupboards are stocked up for all your visitors. I now understand why this time of the year has also been dubbed, “the silly season”, because it seems that the amount of spending – even sometimes without realising it – can become quite silly and overwhelming.

Various banks. including FNB eBucks, Nedbank Greenbacks, Standard Bank UCount Rewards and Investec’s Dividents Rewards Programme, have introduced their very own rewards programmes for times just like these. Simply by swiping your card, depending on who you bank with, you can instantly gain rewards which can be saved and used when you need that extra cash to spend.

Because I bank with Absa, I was able to reap the benefits of the Absa Rewards programme where I pay only R21 a month to gain rewards everytime I swipe my debit card. Rewards redemptions vary in amounts, depending on where I swipe my card, offering me highter redemptions if I swipe at any of Absa’s redemption partners.

You can imagine my surprise this week when I realised I could spend a little bit more without the added expense, all thanks to my Absa Rewards and my Pick n Pay Smart Shopper account.

My family have decided to visit me in Johannesburg for Christmas this year. Being Christmas time, I want to be able to spoil them with yummy treats and sweet goodies, especially for my younger little cousins, making their Christmas away from home that much more memorable.

My Absa Rewards, which I had gained from swiping my Absa debit card at various outlets, allows me the option of choosing to redeem my rewards either as cash, airtime, shopping vouchers, giving back to charity or redeeming through their Redemption Partners (Pick n Pay Smart Shopper points or Dischem Benefit Programme points). This came in really handy to get those extra grocery goods for the family and redeeming my Absa Rewards as Pick n Pay Smart Shopper points was such an easy process.

All I had to do was to call the Absa Rewards customer care line on 0861 788 888. Once I was on the line, I prompted to press number “1” on my phone which gave me the option of redeeming my rewards. I was then put through to an operator who was very helpful in converting my rewards to my Smart Shopper points, now redeemable at any Pick n Pay. All I had to do was to provide him with my South African ID number, he confirmed my details, asked how much of my rewards I wanted redeemed as Smart Shopper points and just like that, it was done.

To make things even better, because of this kind of redemption of my Absa Rewards, I gained an extra 15% on the amount redeemed, giving me even more to spend.

For security purposes and to keep me, as the customer, in the know about my transactions, I received two SMSes, one alerting me of my redemption transaction and another letting me know what my remaining rewards balance was.

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You can redeem your Absa Rewards online too if you are registered with their online or cellphone banking. If not, visit their website to sign up.

As easy as that, I was able to go to my nearest Pick n Pay and spend using my Smart Shopper points, without any extra expense to me. Now I can spoil my family, with no extra costs incurred. I’ve rewarded myself this Christmas, why don’t you?

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It’s officially December, which means that Christmas is just around the corner and already my excitement is starting to build up.

I love this time of the year, it’s almost as if the Christmas spirit is in the air. This time of the year, for me, means family, loved ones, presents, appreciation and who can miss the food.

It’s become family tradition each year for my entire family to gather at a relative’s home, where we would set the table, open gifts together and just spend the day eating, laughing and having a great time together. Speaking of traditions, a lot of the food served on Christmas Day include traditional home cooked meals and desserts, from curries to roasts and even the gammon.

No-one can make gammon the way the women in my family do. With the perfect combination of sweet and sour, they use a special traditional family recipe of preparing the pork by glazing it with a mixture of apricot jam, lemon and cinnamon which is layered on the top and the gammon before cooking.

There are plenty of traditional tricks and recipes common in many families and now is your chance to bring out the old recipes to stand a chance to win a R5000 Pick n Pay gift card.

A R5000 gift card could mean all your Christmas grocery shopping is covered, at no expense to you. Now you can whip up all those secret family recipes, without worrying about what it’ll cost you. Pick n Pay is known for stocking goods ranging from groceries to clothing and other goods, so winning the R5000 gift card could also alleviate the stress of spending on Christmas gifts.

Confident about my family Gammon cooking secret, I entered the competition which proved to be quite straight forward.

The competition offers entrants the opportunity to enter in any one of three ways, namely:

Don’t forget to use #picknpaychristmas on your Facebook and Twitter entries. All entrants have to be Standard Bank clients and signed up for the uCount Rewards programme and Pick n Pay SmartShopper Card holders.

I entered via Twitter simply by tweeting my family cooking secret to @PicknPay and not forgetting to add the competition hashtag at the end.

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Just like that, in less than two minutes, I entered and now wait to hear if I’m the lucky winner.

Investec

Banking with the extra perk of gaining rewards is trending around the country. After viewing the perks of Standard Bank’s UCount Rewards, FNB’s eBucks, ABSA Rewards Programme and Nedbank’s Greenbacks, this week, Weview Wednesday takes a look at Investec’s Dividends and Rewards Programme.

Investec Dividends is a rewards programme exclusively for Investec Private Bank Account clients. By simply using your Investec Private Bank Account Visa Platinum card, you earn points towards your reward of choice.

How it works?

  • Find out more about the Investec Dividends and Rewards as well as fees by calling the Investec Client Support Centre on 0860 110 161 or +27 11 286 9663 or visit their Dividents and Rewards section on their website at http://www.investec.co.za and request a call back
  • Earn points each time you use your Investec Private Bank Account Visa Platinum card
  • The card holder will receive one point for every R5 (five Rand) point of sale purchase effected
  • Earn double and bonus points through select partners, such as Nashua Mobile and others, catering to everyone and any lifestyle
  • Earn additional points through the use of exclusive Investec services, such as Investec Private Banking and Foreign Exchange
  • Check exactly how much you can earn here
  • Once you’ve earned enough points, it’s up to you to decide how you want to redeem

Pro’s:

  • Joining Investec Dividends and Rewards is quick and easy
  • Investec has a dedicated contact centre. If you are having a problem or require assistance, contact the Investec Client Support Centre on 0860 110 161 or +27 11 286 9663
  • Earn points every time you use your Investec Private Bank Account Visa Platinum card

Con’s:

  • Dividends points can only be used for a certain amount of time and are valid for three calendar years (for example, all points earned during 2009 will be valid until 2012
  • Benefits, earnings ratios and partners are subject to change without prior notice

It’s been eight years since the processing of the first MasterCard shopping centre gift cards in South Africa and Tutuka staff celebrated in true birthday fashion, blowing out candles and cutting a cake.

In 2005, Tutuka launched South Africa’s first prepaid MasterCard. This now opened new opportunities for shopping centres and meant that they could have their own shopping centre gift cards with their own centre branding and the card could be used at any store within the shopping centre.

The card was then launched at five shopping centres around South Africa. These were particularly selected because of their significance in size and distribution around the country. Tutuka, together with Standard Bank, MasterCard and Altech supported these cards.

Today there are approximately 50 shopping centres around South Africa that use the prepaid MasterCard gift cards.

“Having launched the very first open loop gift cards in South Africa 8 years ago when the concept was not known, and watching it grow to a stage where these cards are issued at most shopping centres and by corporates is a proud achievement,”  said Tutuka’s Director of New Business and Marketing, Drisha Nair.

“We could not have accomplished this without the help of our partners Standard Bank, MasterCard and Altech. The partnership has resulted in the largest footprint of MasterCard gift cards issuance across South Africa.”

Here’s to a eight great and very successful years and many, many more to come in the future.

 

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Tutuka’s Director of New Business and Marketing, Drisha Nair, lights the candles to the 8th year celebratory cake. After all, It’s not a celebration without a cake and candles

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Let’s hope that Tutuka’s Chief Technical Officer, Shaun Hodgkiss, wished for many more successful years to come

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Tutuka CEO, Rowan Brewer, did the honours and cut the cake