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Wallet Database

Orange Cash

18th of November 2016

Overview



  • Summary: Orange Cash is a cards based and account to account digital wallet for online and NFC contactless purchases operating in Spain and France only and launched in Feb ’14. It has been developed by the French mobile service provider Orange, in partnership with VISA.

  • Websitehttp://cash.orange.es/    http://orangecash.orange.fr/decouvrir

  • Status: Live 

  • Market: France (Feb ’14) & Spain (Feb ’14)

  • Type: Other

  • OwnershipOrange in partnership with VISA

  • Functions: Retail payments only

  • Payment Mode: Cards-based and account to account

  • Channel: POS via NFC, WEB

  • Roadmap: n/a

User Experience



  • Registration & set up: In Spain the app is available on Google Play only. In France the app is available on both Google Play and Windows Store. User must have an Orange NFC SIM and a supported NFC mobile phone. Orange cash account can be loaded via bank transfer or debit/credit card. (Update to follow – Further information being obtained)



  • Making a payment: IN-STORE: NFC initiated by physically tapping the phone on contactless terminal. No need to authenticate for purchases under 20€, otherwise authenticate with PIN. No need to open the app.

    ONLINE purchases: Users can create a virtual card for one time use with expiration of 24 hours. Once created, users use it as if they were using any physical debit/credit card.  

Payment Flows & Technology



  • Merchant perspective: The merchant processes a payment using their existing payments processing systems. (Update to follow – Further information being obtained)

  • Security: 3D secure (Update to follow – Further information being obtained)

Business Model



  • Strategy: (Update to follow – Further information being obtained)

  • Payee fee: (Update to follow – Further information being obtained)

  • Payer fee: For transactions in no euro, 3% of the transaction amount. Overdraft management: 5 €. Otherwise, no charge for consumers. 

Performance Data


Contact (MobeyForum Members only)



  • Name: N/A

  • Address: N/A

  • Email: N/A

  • Phone: N/A