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MacRumors
May 23, 2011, 12:41 PM
http://images.macrumors.com/im/macrumorsthreadlogo.gif (http://www.macrumors.com/2011/05/23/square-seeks-to-revolutionize-retail-sales-with-square-register-for-ipad-and-card-case/)


http://images.macrumors.com/article-new/2011/05/square_register-500x353.jpg

(http://images.macrumors.com/article-new/2011/05/square_register.jpg)
Square (https://squareup.com/), the company that has brought the ability to accept credit cards for transactions to individuals and small businesses with a card reader dongle for iOS devices, today announced its next venture: "Square Register" for iPad. Seeking to replace traditional cash registers with iPads equipped with the new Square Register application, Square notes that the app will allow businesses to easily customize the register interface with their full list of products.

Analytics tools will allow businesses to see up-the-minute details on sales performance, broken down by any number of metrics to help businesses study sales trends. The Square Register functionality comes as an update to the iPad version of the company's universal App Store app (http://itunes.apple.com/us/app/square/id335393788?mt=8).

http://images.macrumors.com/article-new/2011/05/square_card_case-500x245.jpg

(http://images.macrumors.com/article-new/2011/05/square_card_case.jpg)
From the customer perspective, Square is rolling out "Card Case" (https://squareup.com/cardcase), virtual business cards that allow customers to view details on their favorite businesses, directly accessing live-updated menus and product listings from the card as well as transaction histories with item-level detail.

Replacing loyalty cards and credit card payment methods, Square Cards will allow a customer to establish a relationship with a business and pay for goods without having to carry a wallet, a mechanism Square CEO Jack Dorsey likens to having a permanent tab opened with the business. Transaction confirmations and receipts are pushed to users' phones for record-tracking. Users can initiate a payment by activating the business's Square Card on their phone when within range of the business and then simply giving their name at the register to have the purchase charged to their account.

Square Register and Square Cards are rolling out now through 50 merchants located in New York City, San Francisco, Washington DC, St. Louis, and Los Angeles, with further expansion coming soon.

Article Link: Square Seeks to Revolutionize Retail Sales With 'Square Register' for iPad and 'Card Case' (http://www.macrumors.com/2011/05/23/square-seeks-to-revolutionize-retail-sales-with-square-register-for-ipad-and-card-case/)



dvkid
May 23, 2011, 12:46 PM
This could be very neat. I'd been hoping that somebody (Walmart, Target) would move towards paperless receipts the way Apple Retail has. Maybe it'll be the smaller retailers leading the eco charge in this space, though.

ciTiger
May 23, 2011, 12:49 PM
The future today...Or then they get to implement this worldwide... May never happen but if it was in place today it would be great..:D

shingi70
May 23, 2011, 12:52 PM
Im going to purchase stock in this company. Been following them since last year and i love what thier doing. If this is successful they could be going into a very lucratuve bussiness. Starting off with the reader, then to the card then late 2011/early 12 become the nfc standard so no matter how you pay you can.

Ramsos
May 23, 2011, 12:53 PM
I love Square, I've used it several times for my business and the turn around time is very fast.

Eddyisgreat
May 23, 2011, 12:56 PM
Having worked with various retail POS systems from IBM et al I hope this finally allows a departure from the draconian interfaces which look as if design and operator usability were not allowed to be discussed in the development phase.

KindredMAC
May 23, 2011, 12:56 PM
This is awesome news! I LOVE my Square app on my iPhone4. It has been great for everyday life and the occasional yard sale.

When everyone in the office wants to order lunch or flowers for a sick coworker, I can be the one that places the order and I can take debit/credit cards from the other workers for their share of the total and the same goes for office lunch. I always make sure that I tell them to add on a buck or so for the hit I take from the percentage Square takes but for the convenience no one has objected.

And you wouldn't believe the looks I get from people who are going around to the yard sales and come to ours and see that I can take a credit card! We have sold a lot more objects and some bigger ticket items because of this option. People are much more apt to spend $50 for TV on their credit card than to have $50 in cash extra on their person.

AppleScruff1
May 23, 2011, 01:03 PM
I envision the day when the iPad will be used for everything. Can you imagine how speedy the checkout lines will be at WalMart on Saturday afternoon with iPads instead of cash registers?

drimmen
May 23, 2011, 01:06 PM
Defend New Orleans (http://defendneworleans.com/) uses this setup in their recently opened store. It works great.

Daveoc64
May 23, 2011, 01:07 PM
I envision the day when the iPad will be used for everything. Can you imagine how speedy the checkout lines will be at WalMart on Saturday afternoon with iPads instead of cash registers?

Why on earth do you think that?

I don't see how an iPad can replace an EPOS used by a company like WalMart.

Does the iPad weigh fruit?
Does the iPad scan barcodes?
Does the iPad have a cash drawer?
Is it Linked to a Conveyor Belt?

There isn't any convenience or benefit in using a tiny, portable device at a station where you're being served by someone who is sitting or standing in the exact same place.

The market Square is targeting is very different.

garybUK
May 23, 2011, 01:08 PM
Shame this can't work outside the USA! :(

neiltc13
May 23, 2011, 01:12 PM
Wow talk about out of date technology. Transactions are declined by banks if the card are swiped like this image suggests (and have been for years). Surely they have an updated device supporting chip reader (and PIN entry)?

JAT
May 23, 2011, 01:12 PM
I envision the day when the iPad will be used for everything. Can you imagine how speedy the checkout lines will be at WalMart on Saturday afternoon with iPads instead of cash registers?
How would the iPad be faster for people buying many things? I can see an iPad being an excellent register for small shops and mobile shops like mall kiosks. But Walmart?

I'm still waiting for the system envisioned in commercials where your entire cart is scanned as you walk out the door. That would be fast.

Daveoc64
May 23, 2011, 01:13 PM
Wow talk about out of date technology. Transactions are now declined by banks if the card are swiped like this image suggests. Surely they have an updated device supporting chip reader (and PIN entry)?

Not in the US - which is why this system wont work outside of it.

CplBadboy
May 23, 2011, 01:14 PM
Who cares, when are the new Mac Pros unveiled? :rolleyes:

SockRolid
May 23, 2011, 01:15 PM
I wonder if the rumored NFC-enabled iPhone (and other smartphones that already have NFC chips) will affect the adoption of Square Cards. It'll be interesting to see how retail evolves over the next decade. We're moving toward a cashless and credit card-less "wallet". Just your drivers' license.

the8thark
May 23, 2011, 01:21 PM
Does the iPad scan barcodes?
No. But my imac can. Via the Delicious Library App. So I am sure the ipad 2 can scan bar codes if someone was to write a little software to do it.

DisMyMac
May 23, 2011, 01:23 PM
Square Cards will allow a customer to establish a relationship with a business and pay for goods without having to carry a wallet, a mechanism Square CEO Jack Dorsey likens to having a permanent tab opened with the business.

"Relationship" as in tracking what, when, and where you buy stuff so that companies can bomb you with ads on the assumption you'll buy more. (Actually not just you, but your known connections as well.)

What a great relationship... it's more like criminal stalking.

Daveoc64
May 23, 2011, 01:26 PM
No. But my imac can. Via the Delicious Library App. So I am sure the ipad 2 can scan bar codes if someone was to write a little software to do it.

Ah, of course. The iPad (and iPhone) can do it that way through software (using a camera), but it's nowhere near as efficient as using a dedicated barcode scanner.

Sales staff in supermarkets are rated on how many items they can scan per minute.

It would be MUCH lower with an iPad. i.e. slower

It would be difficult to have useful data on the screen at the same time that the camera was being used to line up a barcode scan.

shingi70
May 23, 2011, 01:28 PM
I wonder if the rumored NFC-enabled iPhone (and other smartphones that already have NFC chips) will affect the adoption of Square Cards. It'll be interesting to see how retail evolves over the next decade. We're moving toward a cashless and credit card-less "wallet". Just your drivers' license.

They can coesit. Tons of people who dont want to bother with nfc but could use this. This is also a better solution for low income communitys.

126351
May 23, 2011, 01:29 PM
Wirelessly posted (Mozilla/5.0 (iPhone; U; CPU iPhone OS 4_3_3 like Mac OS X; en-gb) AppleWebKit/533.17.9 (KHTML, like Gecko) Version/5.0.2 Mobile/8J2 Safari/6533.18.5)

Has anyone got Square working with Filemaker?

I'm thinking maybe create the invoice with Go, take the payment with Square and a batch script sends the result of the Square transaction into Go to show the invoice as paid.

Lesser Evets
May 23, 2011, 01:35 PM
I've been reading and re-reading and trying to get my head around this... they hope to replace a tiny wallet with an iPad. Sounds... bulkier. The scope of this stuff is a little confusing and fuzzy on the edges; while some of it makes perfect sense, some of it seems redundant.

The Wal•mart self-checkout lines are good as is, to me. Those cashiers there are stuck in slow motion, and with a credit card anyone can breeze through the process. I'm assuming the iPad reads some kind of electronic noise from products? Or will it swipe bar codes? Seems to do stuff already done, but maybe Square will help the retailer with better software.

RafaelT
May 23, 2011, 01:37 PM
Square has a good App and service over all but they still have some basic things they need to take care of before it is a great App. The tip situation is a mess, they have acknowledged it but still no fix. The temp auth 40% more then the transaction to cover possible tips. They also don't allow you to put in an exact amount for the tip.

ScottishDuck
May 23, 2011, 01:40 PM
Good to know I can steal credit cards and use them at the Apple store now, no more PIN codes!

neven
May 23, 2011, 01:44 PM
Good to know I can steal credit cards and use them at the Apple store now, no more PIN codes!

Credit card don't require PINs; you're thinking of debit cards. Credit cards in the US require a signature - the same is true with Square. Square is a VISA-backed financial business; let's give them the benefit of assuming they've actually thought through any scenario you think up in 5 minutes :)

mygoldens
May 23, 2011, 01:46 PM
I envision the day when the iPad will be used for everything. Can you imagine how speedy the checkout lines will be at WalMart on Saturday afternoon with iPads instead of cash registers?

Are you for real? iPad for everything:eek:

That is like we all drive the same car, live in the same type house, you ever heard of 1984?

The iPad has its merits, but it has reached its peak!

Let's move on, lot of Android tabs hitting the market, they blow away the iPad just with their stock FREE apps!

JAT
May 23, 2011, 01:52 PM
Credit card don't require PINs; you're thinking of debit cards. Credit cards in the US require a signature - the same is true with Square. Square is a VISA-backed financial business; let's give them the benefit of assuming they've actually thought through any scenario you think up in 5 minutes :)
Probably meant security code: 3 digits on the back of the card.

URFloorMatt
May 23, 2011, 01:58 PM
Heh. This thread has unintentionally revealed how ass-backwards U.S. credit card security is compared to Europe.

HMFIC03
May 23, 2011, 01:59 PM
Until they get the full backing of one of the big three credit cards, there will be many people to include myself skeptical of this. My 2cents

Bwilky
May 23, 2011, 01:59 PM
Why on earth do you think that?

I don't see how an iPad can replace an EPOS used by a company like WalMart.

Does the iPad weigh fruit?
Does the iPad scan barcodes?
Does the iPad have a cash drawer?
Is it Linked to a Conveyor Belt?

There isn't any convenience or benefit in using a tiny, portable device at a station where you're being served by someone who is sitting or standing in the exact same place.

The market Square is targeting is very different.

That's exactly what I was going to say. An Ipad is only good for table service where you could use it for input. But even the iPad is a little to big for that. You'd have to connect it to a computer to host the Cash drawer receipt printer etc etc. It's just not logical even for a small business. How are they supposed to print their receipts, use barcode scanner and cash drawer. Plus, in a few years their making it a requirement that all merchants are going to need to use chip enabled devices. It wouldn't work on an ipad

kingtj
May 23, 2011, 02:02 PM
My local Micro Center store offers the option of receiving a receipt via email instead of a paper one, or even both, if you so choose. (I know that's not exactly the same as Target or Walmart doing it, but just pointing out that someone besides just Apple is implementing it.)


This could be very neat. I'd been hoping that somebody (Walmart, Target) would move towards paperless receipts the way Apple Retail has. Maybe it'll be the smaller retailers leading the eco charge in this space, though.

kalex
May 23, 2011, 02:02 PM
Until they get the full backing of one of the big three credit cards, there will be many people to include myself skeptical of this. My 2cents

They did. Visa

HMFIC03
May 23, 2011, 02:06 PM
They did. Visa

Oh, must have happened recently. Wonder if they require a Visa accepted decal on the back of the iPad ;)

nutmac
May 23, 2011, 02:16 PM
I am confused as to how one obtains Card Case functionality/app. According to the website:

Getting your Card Case is as easy as 1-2-3.

1. Visit a participating business.
Pay by swiping your credit card.
2. Get a text message receipt.
It contains a link to set up your tab.
3. Download the Square app.
Your Card Case will be waiting for you.
So it's my understanding that Card Case is a separate app that can only be downloaded through a text message? The app does not show up on a search from the app store.

I find the process rather clumsy since the app has a directory functionality to help you find Square merchants.

trevorlsciact
May 23, 2011, 02:21 PM
Probably meant security code: 3 digits on the back of the card.

No, it's one of the differences between the US and Europe, obviously if you have stolen the card you have the security code (but not a PIN)

jbenjamin
May 23, 2011, 02:28 PM
2.75% fee seems unrealistic in Apple's world. I wonder how they get around Apple's 30% cut.

I am not a lawyer but Apple's legalese as I read it casts a very wide net around in-app purchases, subscriptions, and virtual currencies without any exceptions for third-party payments. If the item being purchased is recurring or funding a declining balance account for the Square client then it would fall under Apple's definition of a subscription or virtual currency.

And, if Square has a loophole then Rhapsody and others should just have a pay-with-Square button in their apps.

JAT
May 23, 2011, 02:31 PM
That's exactly what I was going to say. An Ipad is only good for table service where you could use it for input. But even the iPad is a little to big for that. You'd have to connect it to a computer to host the Cash drawer receipt printer etc etc. It's just not logical even for a small business. How are they supposed to print their receipts, use barcode scanner and cash drawer. Plus, in a few years their making it a requirement that all merchants are going to need to use chip enabled devices. It wouldn't work on an ipad
An iPad could be used connected by wire to something in case of a static storefront, or wireless. Just depends on software. But this is specifically talking about diverging from paper receipts as the intent, so I'm not sure why that's an issue to you.

Many businesses do not use barcodes. Restaurants are an example. Hell, fast food joints now mostly have register systems that are touchscreen. The interface wouldn't be much different in an iPad. And for someone small, a POS system including a $500 iPad could be much cheaper than other hardware.

Square provides the magnetic cc scanning in separate hardware, they could provide NFC or whatever, also.

I am confused as to how one obtains Card Case functionality/app. According to the website:

So it's my understanding that Card Case is a separate app that can only be downloaded through a text message? The app does not show up on a search from the app store.

Maybe the app isn't out yet? I think the text message was just a thought about a specific business setting up a specific customer's account.

JAT
May 23, 2011, 02:38 PM
2.75% fee seems unrealistic in Apple's world. I wonder how they get around Apple's 30% cut.

I am not a lawyer but Apple's legalese as I read it casts a very wide net around in-app purchases, subscriptions, and virtual currencies without any exceptions for third-party payments.
Sorry, nevermind. Not thinking this through.

nutmac
May 23, 2011, 02:40 PM
Maybe the app isn't out yet? I think the text message was just a thought about a specific business setting up a specific customer's account.

That would be my guess, but if that is the case, CEO shouldn't tweet about "get yours today!"

Chip NoVaMac
May 23, 2011, 02:43 PM
Having worked with various retail POS systems from IBM et al I hope this finally allows a departure from the draconian interfaces which look as if design and operator usability were not allowed to be discussed in the development phase.

Let's hope that Apple comes out with an iPad that can do all the retail functions needed... Credit Card scan as well as UPC scan....

kurosov
May 23, 2011, 02:43 PM
im still waiting for them to release the credit card payment system in the UK.

Would be of great benefit to me.

DocNYz
May 23, 2011, 03:00 PM
Having worked with various retail POS systems from IBM et al I hope this finally allows a departure from the draconian interfaces which look as if design and operator usability were not allowed to be discussed in the development phase.

Hahah

Baumi
May 23, 2011, 03:03 PM
Users can initiate a payment by activating the business's Square Card on their phone when within range of the business and then simply giving their name at the register to have the purchase charged to their account.

Maybe I'm old-fashioned, but that sounds much more inconvenient than simply handing over cash or credit card. And since it still involves a 3rd party having control over my payment data, I'm not sure if it's any more secure than CC usage, either.

JAT
May 23, 2011, 03:11 PM
That would be my guess, but if that is the case, CEO shouldn't tweet about "get yours today!"

No doubt.

CJM
May 23, 2011, 03:16 PM
Heh. This thread has unintentionally revealed how ass-backwards U.S. credit card security is compared to Europe.

Hahah, a hundred times this. Funny seeing the confusion.

In the UK, we use a chip and PIN system. The card has a chip in it and we enter a 4 digit PIN code into the POS device to make the transaction.

It's been widespread for a few years now, my local pub was one of the last places to use the old style and thankfully they've recently upgraded.

There's no signature required for credit cards.

hansende
May 23, 2011, 03:28 PM
Will it take cash? Is there a slot in the iPad?

KingCrimson
May 23, 2011, 03:43 PM
This could be very neat. I'd been hoping that somebody (Walmart, Target) would move towards paperless receipts the way Apple Retail has. Maybe it'll be the smaller retailers leading the eco charge in this space, though.

That's not going to happen for 5-7 years at least. Don't expect NFC payment in the next 1-2 years from anything but upscale boutiques.

Black Belt
May 23, 2011, 04:39 PM
Square is great for yard sales or minor artists, but the daily transfer limit to your bank is $1000. That renders it completely useless for most decent sized businesses or prominent artists. We could do an event that takes in 50k or a good artist could sell a painting that costs at least that. You'd never be able to get your money out. Not to mention the hacking problems that Square has faced with the insecure scanner. I am waiting for one of the big merchant providers to come up with something genuine for business and not holding my breath for Square.

Dr.Buzz
May 23, 2011, 05:14 PM
Having used square for one of my businesses, I will say the ONLY reason we did was convenience with initial start up and as a back up when the real point of sale system went down during our initial launch. The interface is top notch, though the tip issue does exist like someone else mentioned.

2.75% is A LOT. They are making it all sexy with these new owner features to sort through what you are selling and all, but nothing can change the fact that their rate is terribly uncompetitive at the retail level. This must be the Credit companies forcing them with this rate, once they have enough users, it will give them more bargaining power.

It was great on deliveries to be able to run credit for people at their front door on my iphone, and people were so impressed, but I felt dumb because the rate is high.

omnivector
May 23, 2011, 05:38 PM
That's not true -- merchants do not have access to any of a customer's information, including email, phone, card details, etc. That is all kept private.

"Relationship" as in tracking what, when, and where you buy stuff so that companies can bomb you with ads on the assumption you'll buy more. (Actually not just you, but your known connections as well.)

What a great relationship... it's more like criminal stalking.

omnivector
May 23, 2011, 05:38 PM
Shame this can't work outside the USA! :(

Some day :)

omnivector
May 23, 2011, 05:40 PM
Square has a good App and service over all but they still have some basic things they need to take care of before it is a great App. The tip situation is a mess, they have acknowledged it but still no fix. The temp auth 40% more then the transaction to cover possible tips. They also don't allow you to put in an exact amount for the tip.

This problem's a big mess to fix, but we're working on it.

omnivector
May 23, 2011, 05:41 PM
Until they get the full backing of one of the big three credit cards, there will be many people to include myself skeptical of this. My 2cents

VISA has invested in us, but I see someone already answered you.

omnivector
May 23, 2011, 05:45 PM
I am confused as to how one obtains Card Case functionality/app. According to the website:

So it's my understanding that Card Case is a separate app that can only be downloaded through a text message? The app does not show up on a search from the app store.

I find the process rather clumsy since the app has a directory functionality to help you find Square merchants.

Nope -- card case is built into 2.0. However to activate it, you need to visit a merchant with card case support enabled. Right now this is limited to 50 pilot merchants in SF, LA, NYC, Washington DC, and St. Louis but any merchant can sign up: http://squareup.com/cardcase

omnivector
May 23, 2011, 05:47 PM
2.75% fee seems unrealistic in Apple's world. I wonder how they get around Apple's 30% cut.

I am not a lawyer but Apple's legalese as I read it casts a very wide net around in-app purchases, subscriptions, and virtual currencies without any exceptions for third-party payments. If the item being purchased is recurring or funding a declining balance account for the Square client then it would fall under Apple's definition of a subscription or virtual currency.

And, if Square has a loophole then Rhapsody and others should just have a pay-with-Square button in their apps.

Outside app store commerce is not subject to Apple's in-app purchasing rules, and that's Square's entire purpose.

omnivector
May 23, 2011, 05:50 PM
Square is great for yard sales or minor artists, but the daily transfer limit to your bank is $1000. That renders it completely useless for most decent sized businesses or prominent artists. We could do an event that takes in 50k or a good artist could sell a painting that costs at least that. You'd never be able to get your money out. Not to mention the hacking problems that Square has faced with the insecure scanner. I am waiting for one of the big merchant providers to come up with something genuine for business and not holding my breath for Square.

The $1k limit is only for keyed in transactions, not swipes.

Also, there are no "hacking problems" with Square. Please point to the in-the-wild easy examples of how to actually hack Square or the reader.

iEvolution
May 23, 2011, 06:24 PM
Yet another security risk we will hear about.

I honestly can't believe people use Debit cards like they do, one card with access straight into your bank account and its not like the bank is going to care because its not their loss.

iEvolution
May 23, 2011, 06:26 PM
The $1k limit is only for keyed in transactions, not swipes.

Also, there are no "hacking problems" with Square. Please point to the in-the-wild easy examples of how to actually hack Square or the reader.

Its not popular enough to even be a target yet but if it does take off I'm sure there will be plenty of holes to be discovered.

Anything that uses RF signals or any wireless technology is a serious security risk.

programmasters
May 23, 2011, 07:34 PM
Its not popular enough to even be a target yet but if it does take off I'm sure there will be plenty of holes to be discovered.

Anything that uses RF signals or any wireless technology is a serious security risk.

does it use wireless technology? i thought it used the magnetic strip plus te headphones in jack...

plus credit cards are always easy to hack, so this is not really something mind boggling

lschaefe9
May 23, 2011, 08:05 PM
I still think the paysaber is a better solution. If you want a barcode scanner along with the option to print receipts or use digital receipts, and you value secure encryption, it's the way to go.

ghostlyorb
May 23, 2011, 08:10 PM
I wouldn't mind starting a business just to use this app.. haha.

MacCoinnich
May 23, 2011, 08:23 PM
Square seems to be a hit with the food cart operators here in Portland... but I still haven't seen any that accept American Express. I assumed this was because AMEX is known for charging a higher merchant fee... but it seems like Square charges a flat rate for all card types. Why no love for AMEX?

DisMyMac
May 23, 2011, 09:10 PM
I honestly can't believe people use Debit cards like they do, one card with access straight into your bank account and its not like the bank is going to care because its not their loss.

Really? The one time I had my card # stolen, they refunded everything as soon as I reported it. I worry more about routing and checking account numbers. Anyone handling checks can steal them.

Eddyisgreat
May 23, 2011, 09:13 PM
Square seems to be a hit with the food cart operators here in Portland... but I still haven't seen any that accept American Express. I assumed this was because AMEX is known for charging a higher merchant fee... but it seems like Square charges a flat rate for all card types. Why no love for AMEX?

b/c upper class AMEX card carriers don't eat at food carts of course!

BlueRevolution
May 24, 2011, 12:43 AM
Maybe I'm old-fashioned, but that sounds much more inconvenient than simply handing over cash or credit card. And since it still involves a 3rd party having control over my payment data, I'm not sure if it's any more secure than CC usage, either.

Maybe, maybe not. It would be a real time-saver if I could pay (and even place my order) while waiting in line for the till. I'd just have to give them a nod and grab my coffee. I sure would've appreciated having a system like that in my days working at a coffee shop.

irnchriz
May 24, 2011, 05:58 AM
You think that they would invest in a smart card reader too? In europe the majority of (if not all) credit and debit cards have smart chips in them and all retail stores use smart readers rather than swipe readers.

There is pressure to move to smart chip and NFC chip cards as soon as possible too.

Maybe Square just want to hit up the US market and have no interest in going global.

samediff
May 24, 2011, 06:22 AM
The $1k limit is only for keyed in transactions, not swipes.

Also, there are no "hacking problems" with Square. Please point to the in-the-wild easy examples of how to actually hack Square or the reader.

I see the data processing is PCI DSS compliant (presumably located in your datacentres, not in the iOS app itself). So... is the iOS software itself PCI DSS compliant? Does it need to be? Do people need to lock down their iPhones/iPads/iPod Touches?

Do we need to firewall it as per PCI DSS requirements? The website mentions Squares networks are strictly segregated but makes no note of the network the iPad/etc... is connected on.

What about filling out SAQ annually? Still required? Annual vulnerability testing, pen testing, wifi scanning still required?

omnivector
May 24, 2011, 10:30 AM
Square seems to be a hit with the food cart operators here in Portland... but I still haven't seen any that accept American Express. I assumed this was because AMEX is known for charging a higher merchant fee... but it seems like Square charges a flat rate for all card types. Why no love for AMEX?

Square supports AMEX and charges the same 2.75% rate.

omnivector
May 24, 2011, 10:33 AM
I see the data processing is PCI DSS compliant (presumably located in your datacentres, not in the iOS app itself). So... is the iOS software itself PCI DSS compliant? Does it need to be? Do people need to lock down their iPhones/iPads/iPod Touches?

Do we need to firewall it as per PCI DSS requirements? The website mentions Squares networks are strictly segregated but makes no note of the network the iPad/etc... is connected on.

What about filling out SAQ annually? Still required? Annual vulnerability testing, pen testing, wifi scanning still required?

We never store card data on the device, we transmit all data through industry standard SSL, and we're PCI certified every year.

3goldens
May 24, 2011, 12:06 PM
Let me jump right on board this bandwagon....There are a total of 6 outlets in New York City.

Great launch Square!

nutmac
May 24, 2011, 02:03 PM
Nope -- card case is built into 2.0. However to activate it, you need to visit a merchant with card case support enabled.
It doesn't make much sense to hide Card Case feature this way. Square should make it easier for customers to explore and find Card Case merchants (which appears to be an existing feature inaccessible until user adds at least one tab), and not require them to visit a website to peruse select launch merchants.

Both the company website and press junkets specify Card Case as an app, only adding to confusion.

citi
May 24, 2011, 06:02 PM
As a mobile DJ company, I'm going to have one of these at my booth for when the drunk guy wants "Freebird" or "Sweet Home Alabama". I can say, swipe your card please.

AppleScruff1
May 25, 2011, 01:14 AM
Are you for real? iPad for everything:eek:

That is like we all drive the same car, live in the same type house, you ever heard of 1984?

The iPad has its merits, but it has reached its peak!

Let's move on, lot of Android tabs hitting the market, they blow away the iPad just with their stock FREE apps!

I think that everyone should have an iPhone, iPod, iPad, iMac, MBP, MBA, Mac Pro, Mini Mac, and Apple TV. I envision the day when Apple will be the only company in the world and supply us with everything we need. Who better to take responsibility for the human race than Steve? Apple users are superior, so everyone should switch to Apple and all other companies would go out of business. Image the profits Apple will make then? We're talking TRILLIONS of dollars a year. Can you imagine how great our lives will be then? We're talking paradise and then some.

Komiksulo
May 25, 2011, 09:40 AM
I've been watching Square with some interest. It's a shame it doesn't have Chip and PIN so that it could be used in Canada.

samediff
May 25, 2011, 06:07 PM
We never store card data on the device, we transmit all data through industry standard SSL, and we're PCI certified every year.

But does the device (iPad, etc...) have access to the card data during the processing section? i.e. What encrypts it - the reader or the iPad?

caspersoong
May 27, 2011, 07:50 AM
More countries please... Especially neglected Asia.