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N e w ! A B M P P o c k e t P a t h o l o g y a t w w w. a b m p . c o m / a b m p - p o c k e t - p a t h o l o g y - a p p . 73 you have an online business, you should take PayPal payments in addition to the other credit cards. Many consumers prefer to use PayPal over other types of payments because of its online security. As a business owner, you can also set up a separate PayPal business account to keep your business and personal accounting separate. There are currently no fees to use PayPal. iOS/Android. CLIENT INSTRUCTIONS—HOW TO MAKE CONTACTLESS PAYMENTS If you really want to make the most of contactless payments, let your clients know you accept no-touch payments. You can notify clients via email, newsletters, advertisements, or social media. Also, display your readers where clients can see them, and buy stickers or make signs to advertise this new feature. Give clients direction on how to get started. For Clients: How to set up contactless payment options 1. Create a mobile wallet by installing a payment app to your smartphone, such as Apple Pay, Google Pay, Samsung Pay, PayPal, etc. 2. Once your app is activated, your mobile wallet is ready. 3. Fill your mobile wallet with your credit cards, loyalty cards, gift cards, and even your driver's license. 4. Add an additional layer of security by selecting the PIN or fingerprint option in your mobile wallet settings. You'll use your PIN or fingerprint to authorize each contactless payment. For Clients: How to make a contactless payment 1. Unlock your smartphone. 2. Hold your phone within a few inches of the payment terminal, where you see the payment waves symbol. (See page 69). 3. Wait for the beep or check mark. 4. Your purchase is complete! Notes 1. Visa, "Contactless Payments," accessed May 11, 2020, tools/payment-technology/contactless-payments.html. 2. Kate Rooney, "Contactless Payments Jump 40 Percent as Shoppers Fear Germs on Cash and Credit Cards, Mastercard Says," last modified April 29, 2020, accessed May 2020, www.cnbc. com/2020/04/29/mastercard-sees-40percent-jump- in-contactless-payments-due-to-coronavirus.html. 3. Statista, "Mobile POS Payments," accessed May 12, 2020, mobile-pos-payments/united-states#market-users. 4. Statista, "Mobile Operating Systems' Market Share Worldwide from January 2012 to December 2019," last modified February 28, 2020, accessed May 2020, share-held-by-mobile-operating-systems-since-2009. 5. Statista, "Number of PayPal's Total Active User Accounts from 1st Quarter 2010 to 1st Quarter 2020," last modified May 7, 2020, accessed May 2020, total-active-registered-accounts-from-2010. Lisa Bakewell is a full-time freelance writer, editor, perpetual learner, and lover of life in Chicagoland. Her areas of writing expertise include health and wellness, travel, parenting, personal/company profiles, technology, and a plethora of "how-to" articles (her favorite!). She can be reached at and more likely than typical smartphone users to make contactless payments. To accept Apple Pay or Apple Cash, you need a card reader or terminal that reads NFC signals. If you are set up to accept Discover debit contactless transactions, you are set up to take Apple payments as well. If you run into issues with Apple Pay, make sure you are running the proper software on your readers and terminals. Transactions are charged at standard credit card processing rates. Only on iOS. Google Pay has nearly the same core features as Apple Pay and, according to Statista (2020), Android has maintained its position as the leading mobile operating system worldwide (as of December 2019) by controlling the mobile operating system (OS) market with a 74.13 percent share. Together, Google and Apple possess almost 99 percent of the global market share." 4 Google Pay is available on iOS as well as the Android operating system—and uses the same hardware as Apple Pay (an NFC- enabled reader or terminal)—so it would be beneficial for you to accept both. There are currently no fees to use Google Pay. iOS/Android/Google Pay for Windows. Samsung Pay is available only on Samsung phones and uses an exclusive magnetic secure transmission (MST) technology, which allows smartphones to mimic a magnetic strip card swipe to send payment information to card readers that aren't equipped to read NFC signals. As a business owner, you can save money with Samsung Pay if you don't already have an NFC reader. If you already have an NFC-enabled reader or terminal, though, you should be able to accept Samsung Pay without upgrades to your current system. There are currently no fees to use Samsung Pay. iOS/Android/Windows. PayPal has an enormous user base (325 million active users worldwide in the first quarter of 2020, representing a 17 percent year-on-year growth 5 ). It offers a fast checkout option called One Touch. If You can make contactless payments using: • Fitness trackers • Key fobs • Smart cards • Smartphones • Smartwatches • Wristbands

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