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Zimbabwe apps review: Pay4App internet payments

pay4appSome very innovative people have sat down on this one. See, the relevancy of an app to the populace is not necessarily in the cutting edge technology (that’s for tech people), it’s also in the usability, the ability to accomplish the task in as simple a way as possible, as economic and just as secure. Pay4App have tried to do just that, accomplishing the difficult task of trying to integrate to EcoCash albeit indirectly. (Why has EcoCash made it so difficult to integrate with them when ultimately the business goes to them?)

Pay4App is a web based application that allows merchant websites to conduct online sales just as your Google checkout and PayPal would, the critical difference being that the transactions are funded via an EcoCash account as opposed to bank account (ZimSwitch), Mastercard, VISA etc. Though this may be an ingenious attempt at solving the EcoCash integration conundrum, it does not conform to normal eCommerce rules of seamless straight through processing. Ultimately two systems (EcoCash and Pay4App) exist where the user needs to PUSH value from their EcoCash account to the biller account then Pay4App pushes the value to the merchant (not sure how this settlement process takes place). All this involves a process of registering with the store, registering with the merchant and registering on Pay4App, a strenuous deterrent to first time users. This is in contrast to cloud profiles such as “Login with Google” or “Login with Facebook”.

Pay4App will send a “once off” confirmation code via SMS to the user’s mobile phone before continuing with a checkout for authentication. If Econet is “experiencing technical challenges” or unavailable, the transaction will not proceed. The user must separately conduct a normal EcoCash bill payment to Pay4App biller code before proceeding with the transaction. I appreciate the internet for marketing purposes but that’s about the only advantage for me for having Pay4App on web. My suggestion, let it come with a Mobile App and possibly a desktop catalogue. A catalogue is a very powerful tool, ask Game.

Pay4App also offers a standalone cart where you pay upon delivery. A lot of trust here? Imagine returning to shop with a soggy pizza which the customer forgot to budget for. This service I am supposing would appeal to retail goods in which case delivery costs are a serious inhibitor.

It’s not all gloomy though. We really have to appreciate the conditions that Bydrofoil are working under. The idea of a workaround to integrating with EcoCash is in itself very innovative but my initial comments still stand. Simple, economic and secure. The cost of using the App is a “flat 3.5% + 55c” which amounts to $18.05 for a maximum purchase of $500. Again the same complaint we have always had against most electronic payments systems, other than ZimSwitch and Paynet is their steep pricing.

Well coded and good luck. I sincerely hope the improvements you talked about come through.

My Rating:  3/5

Plus:

  • The whole idea of online payments is commendable
  • The application does have some appreciable security protocols.

Minus:

  • Only web app is available. A mobile app is imminent.
  • The app depends on a user dependent integration technique almost defeating the entire purpose altogether. (not their fault really but still their peril)
  • No password reset on Pay4App redirect from store. Once you forget your password you have to cancel the transaction.


Quick NetOne, Econet, And Telecel Airtime Recharge

8 thoughts on “Zimbabwe apps review: Pay4App internet payments

    1. mmm, think you should appreciate reviews buddy… if you have your view, why not share it.

  1. For security reasons I think, first time user has to register. I don’t understand, mobile app for what if all they are is an API? I used them the other day and after the first checkout your password gets emailed to you and the log in page has an option for password recovery

    Their rates are pretty fair for the purposes. It’s only Pay4App, Stripe and a few other payment tech providers that charge a flat fee and they are scolded for having high fees. Ironically they are the fastest growing as well. Reason being that providers with “more attractive” fees have a LOT of hidden and recurring fees. e.g getting billed for failed transactions etc (Listen to last ten or so of http://techzinglive.com/page/939/168-tz-interview-patrick-collison-stripe)

    Pay4App has no standalone “cart” or Cash-On-Delivery pffft API :D, that’s a feature of the Techzim store!

    And as an API, they all “depends on a user dependent integration technique”

    @Zaniest:disqus may not be too far from the right word, come on TZ you can do better than this

    1. Thanks for the response. My thinking is there is no problem with an API bundled into an application even if it cannot function as a fully capable “independent” cart. I also think a password change option should be available at every turn where a password is required alongside “forgot username?” and “signup” rather than to send a link via email. What happens when you dont have web based email. You would need to go back to the office just to get your password. Just an opinion.

  2. Pay4App is just good as it is. Only if ecocash could also be stable as Pay4app. I would suggest the issue of pre-loads of money into your pay4app account. That will further increase on convenience especially when Ecocash is acting up.

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