In other words, Target is not the only retailer to have its own mobile payment system, but the retailer can now reap the benefits of having its own system. After you're done shopping, you can present your Wallet barcode at the register to check out.
Both Target and Walmart are retailers who are part of CurrentC - a group of retailers with their own mobile payment solution.
With Wallet, customers can check out in-store using their smartphone while also applying Cartwheel digital coupons or discounts after scanning their barcode. The company does plan to add support for its own store gift cards as well, which would help open up Wallet to financially underserved customers. or consumers who simply refuse to sign up for a REDcard account.
It appears that Target is still not keen on accepting Apple Pay as a mode of payment in its onsite stores.
Retailers such as Walmart, CVS and Starbucks launched their mobile wallet entries well before Target did, but the retailer is making similar arguments to try and woo shoppers to pay via mobile: Enjoy quicker checkout than paying via other methods, and combine mobile pay capabilities with rewards and deal offers. However, Walmart allows customers to make payments on Apple and Android devices with nearly all major credit, debit, and pre-paid cards or Walmart gift cards.
Target, like Walmart, probably has a sufficiently broad and loyal customer base to make the provision of a standalone mobile payment platform viable.
Forrester predicts that by 2019, mobile payments will account for just 1 percent of all payment transactions.
"These "scan a barcode" solutions lack the magic of NFC", said Julie Ask, mobile research analyst with Forrester. To use Wallet for in-store payment, you must be a Red Card holder - whether it be the debit or credit version - and download the Target app from the App Store.
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