Five UK banking apps offer card-less payments with Zapp

Five UK banks are set to add Zapp payment capabilities to mobile apps that will make it easier for customers to make card-less payments in shops.

Related: Banks to accept cheques paid via smartphones

The partnership sees HSBC, first direct, Nationwide, Santander and Metro Bank add Zapp mobile payments to their respective mobile apps allowing customers to pay for items securely and without a card in sight.

“Zapp is a major payment innovation for Britain that will bring significant value to consumers, merchants and financial institutions. VocaLink is yet again proving that we are at the cutting edge of payment innovation, delivering significant value for the UK economy,” stated David Yates, Chairman of Zapp and CEO of VocaLink, owner of Zapp.

There are a variety of different ways that customers will be able to use the service that differ depending on the way in which shopping is being done.

Buying items online using a smart device is done by selecting Zapp at the checkout, which will then launch the banking app that is used to complete the transaction. If shopping on a PC or Mac, customers click the Zapp option that triggers a notification being sent to the smart device, which will launch the banking app and give over the necessary data.

When it comes to shopping in a store there are various options available including tapping the phone on a near field communication [NFC] reader, scanning a QR code on the checkout, or typing in a fix digit code given by the checkout staff. Zapp can also be used to pay bills by scanning a QR code on the paperwork that then provides financial details to the app.

Related: IBM taps into NFC with new dual-factor authentication tool for mobile

Almost 60 per cent of UK merchants are already set up to accept payments made by Zapp and it will continue to try and attract new banking partners in the coming months.