Square Launches “Card On File” Payments For In Store Purchases
Square推出的这款产品叫做"Card on File"，能够储存用户的支付信息。在经过且只有经过用户许可后，商家仅通过用户此前提供的某些信息（比如电子邮箱地址）就可以完成收款工作，不用卡，不用手机号码，不用任何其他额外的支付设备。
这个产品真的会有市场吗？的确是个问题，因为这取决于用户是否愿意像在亚马逊、苹果或者Netflix等电商平台那样把自己的信用卡信息留给楼下的咖啡店。Card on File的使用需要借助Square登记器、Square账单和Square的电商API。设置完成之后，商家就可以远程对用户使用或购买的产品进行收费了。
Square在其公司博客上表示："用户会喜欢这种服务的--每到一个地方商家就能知道他们是谁，这会让买卖双方都产生一种亲近感。而简单高效的服务则能保护商家与客户建立起一种密切的互动关系。而这也是Square推出Card on File产品的最终目的--帮助商家提供更加定制化的个人服务，让支付过程变得更加便捷。"
While keeping customer email addresses is fairly common practice, Square wants to help its partners do that service one better by allowing customers who frequent the place to pay with the information from cards they have already used. No card required.
To make this feat possible, Square launched Card on File — a new tool that stores customers’ payment information. With customer permission — and only with customer permission — businesses using this service will be able to charge customers without requiring any further action from them — no card, no phone — no additional equipment required.
The service is voluntary on both sides — customers can opt in or out by choice and merchants can chose who they want to sign up, if anyone at all.
Will it work? That is the big question — and hinges on whether or not customers are as comfortable giving their credit card data to a local coffee shop as they are to Amazon, Apple or Netflix. The service will work through the in-store option Square Register, Square Invoices and Square’s e-commerce API. Businesses can use Card on File to charge remote customers from their stores.
“Customers love going where everybody knows their name — it establishes familiarity that instills trust in a business,” the company wrote in a blog post. “Simple and effective tools for sellers can help build this rapport, deepening relationships with regular customers in a way that doesn’t take time away from running a successful business. Today, Square is introducing Card on File, which gives sellers the ability to provide an even higher level of personalized service, and makes accepting payment significantly easier.”