Archive for the ‘Mobile Payments’ Category


EMV Technology

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As EMV cards become the standard, it is imperative for software companies that work with financial institutions to upgrade their technology. But there are some distinct challenges involved in upgrading quickly and cost-effectively.


Advantages of EMV Technology

  • – Helps merchants reduce fraud
  • – Mitigate liability
  • – Give peace of mind to consumers because it provides greater security than conventional magnetic stripe cards
  • – Processing time is comparable to online transactions
  • – The microprocessor on an EMV chip card eliminates the possibility of counterfeiting


Upgrade Challenges

  • – Integrating a compliant EMV payment device with a software application can be a long and expensive undertaking because of stringent EMV and payment card industry (PCI) requirements.
  • – Technical issues may arise at the point of implementation because of incompatible software residing on a merchant’s client. In addition, store employees must understand how to use an EMV device and when to accept EMV payments with often with limited, or no, instruction.
  • – Chip cards take more time to process than mag-stripe and NFC payments.


Visit us at to get more information about Upgrading to EMV Technology.

Categories: Finance, Innovation, Mobile Payments |


Design Thinking: Walk through design in 5 stages!

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We’d like to tell you a story about how we put ourselves in our customer’s shoes and came up with a unique prototype following 5 stages of the design-thinking approach. The story ends with great design for a mobile cinema app, but let’s not jump ahead of ourselves. 


How everything started

One of our previous clients, a chain of movie theaters, decided to rewrite their mobile app for ticket purchases. The thing is, they wanted something completely different from what they already had. Something that would offer ticket buyers an innovative, cool design and a better experience. They called a tender among Ukrainian software companies and the main requirement for the new app was “it should provoke excitement and admiration—in other words, have the Wow! factor.” Softjourn couldn’t stand back from this kind of challenge, so we rolled up our sleeves and took part in the competition.


Key facts when preparing this prototype:

  • – a total of 6 days spent
  • – 6 hours that included:
  • – preparing a concept;
  • – coming up with the design;
  • – developing a prototype;
  • – presenting the result to the client;
  • – 41 cups of coffee consumed;
  • – 2 whiteboards and 93 stickers used while brainstorming.


Read our full story because you, too, may have ideas that you aren’t quite sure how they might work in real life. Or you may even not know how everything should ultimately look. If this sounds right, try following these 5 steps with your in-house team—or make the journey with Softjourn—and see your prototype come to life!

Categories: Innovation, Mobile Payments, Software Development |


Tips to Develop a Blockchain App

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At Softjourn, we recently launched SJ Coins, a blockchain loyalty program for employees, and in this piece, we’re sharing the steps that will help you create a successful DLT solution built on a blockchain application.

  1.  Define your use case. (What pain point do you want to address?) Answering this puts you in a position to determine budget and launch date. It will also help you determine if you can do the development work internally or if you need outside assistance.
  2.  Define how you want to handle your blockchain database. Next, you need to decide whether your blockchain database will be public, private, or hybrid. This information should help you analyze the available solutions and decide among these options:

– Plug into a running, public blockchain: Use an open, public blockchain like Bitcoin or Ethereum.

– Create a private blockchain network: Install blockchain software on premises and run it privately without open access for third parties or create a private network with partners or trusted peers.

– Go with a cloud-based solution provider: IBM BlueMix, Amazon Web Services (AWS), and Microsoft Azure offer blockchain as a service (BaaS). Monax’s platform is available on AWS and Azure.

– Start a public blockchain network: Run your own open-to-the-public blockchain instance, which enables anyone on the net to become a node.

  1. Test your idea with a POC. Because you need to show stakeholders that your idea is worth investing in, you’ll want to consider how to demonstrate that your use case will function in your environment as promoted
  1.  Begin the blockchain software development cycle. During this step, you must make sure that developers have their own “sandboxes” in which to test and modify the app. Of course, it is also critical that your app passes user acceptance testing.
  1.  Run your blockchain application in the production environmentThe final step in the development cycle is to run your app in the production. When it passes the user acceptance testing, it’s ready to be sold on the App Store, Google Play, or other appropriate outlets


Ask Softjourn about a workshop to develop some use cases that could work for you and how Monax’s smart contract SDKs could apply to your planned use cases.

Categories: Finance, Innovation, Mobile Payments, Software Development |


Rise of Contactless Payments

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The rise of technology has made it possible to cut out many annoying-but-necessary interactions. But one of the most common yet “low-tech” of these is when you have to wait in line to pay for goods or services. That said, 2017 could be the year that contactless payments take over to replace cash in the majority of our sales interactions.

The real rise of contactless payments started back in 2014, when Apple introduced Apple Pay. It was the only major contactless wallet app on the market at the time.Since then, however, the market has seen many, many mobile wallets become available, with apps like Samsung Pay, Android Pay, Walmart Pay, Microsoft Pay, Chase Pay and even Kohl’s Pay now available. Today, there are many contactless payment options that each come with their own set of perks and benefits for customers who regularly use them.

Softjourn has previously talked about mobile payments and how not to get lost while developing such apps. This time, we’ll let you know how it works, how secure it is, and the technology behind it.

Categories: Finance, Mobile Development, Mobile Payments, Software Development |



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Mobile commerce sales are booming and expected to explode in the coming years. By 2020, mobile commerce sales are forecasted to account for 49 percent of e-commerce or $252 billion, according to a 2015 report by Forrester Research. Compare that to a projected $142 billion in m-commerce sales in 2016 and $115 billion the year before.

For retailers keen on getting a hefty share of this growing m-commerce market, it’s imperative to have a mobile app with a payment system that eager consumers find both easy to use and secure and that also doesn’t give your back office headaches. The question is which mobile payment solution should you choose?

Softjourn helps our clients to choose based on three critical issues:

1.     The fees they charge

2.     Their geographic reach and the currencies they support

3.     The quality of their security


Click here for the full story.

Categories: Mobile Payments |


MOBILE PAYMENTS: Which Payment System Suits You?

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The rhythm of modern life seems to get faster and faster leaving us with less time for real shopping. Rather than spending precious hours wandering around overheated malls or in queues to check out, many of us prefer to buy via mobile. It seems easy enough: consumers who make purchases via mobile just enter their credit card data and complete the transaction. But if you a mobile app owner who is faced with the decision of which payment system to choose, it becomes less easy.

There are quite a few payment systems to choose from (Paypal, Stripe, Google Wallet,, Amazon Payments) and their number is growing. At Softjourn, we help our clients find out what payment system to choose by asking a few key questions: What type of product do you offer on the market? What mobile platform do you use – iOS, or Android, or both?

Check out Softjourn’s demo app showing in-app purchases of venue tickets at the door. If you are uncertain about what payment system would integrate perfectly with your app, drop us a line or call us and we’ll help you make your decision!

Categories: Mobile Payments |