Pay360 by Capita is delighted to have become the first payment service provider to take internet payments using Pingit. This reinforces our position as a leading and innovative supplier of payment solutions, and allows the local authorities we support to be at the forefront of this technology, offering customers a wide range of payment options.
Andy Davies, Products Development and Strategy Director, Pay360 by Capita.
Using technology, insight and analytics, Capita supports both the private and public sectors to help their clients to grow, become more profitable and deliver the best experience possible for their customers through modern services. They support clients across a range of sectors including local and central government, education, transport, health, life and pensions, insurance, and other private sector organisations.
Barclays undertook a review of the public sector market and identified an opportunity within local authorities to implement mobile payments solutions via their established online payments processor.
By working with a payments processor, one integration could be performed centrally that would negate the need for hundreds of separate integrations, thus enabling scale in the sector and no IT effort or costs for the local authorities.
A strategic partner was needed that was immersed in the public sector, and that could see and deliver the opportunity through a partnership with Barclays.
Pay360 by Capita process online payments for c.170 local authorities (almost half of the UK’s councils), and were a natural choice as a partner in the sector.
As part of providing online card processing capabilities to local authorities, Pay360 enable citizens to make online payments for a range of services including council tax, parking fines and other one-off items such as waste collection.
Pay360 are always seeking new technologies to help councils capitalise on the growth and usage of smartphones and tablets, which in turn enables councils to offer residents new digital ways to make frictionless payments.
Pay360 chose to add Pingit to their range of payment options alongside debit and credit cards because it twins an immediate bank transfer-based payment solution with a simple, secure user journey, all at a cost effective transaction rate for the councils.
Pay360 has been working with local authorities to mobile-optimise their websites and integrate the Pingit ‘mobile checkout’ functionality, allowing the local citizens to make payments simply by tapping on a button and paying through the Pingit app. Customers benefit from a quicker payment experience as there is no need to remember or enter credit or debit card numbers or bank details.
There is no integration work required by the council; Pay360 feed all the relevant reporting and reconciliation information into the council’s income management system. This allows the council to get a granular view and allocate funds correctly.
As the payments infrastructure is already integrated by Pay360, the councils just need to complete a form to switch on the functionality, and decide whether they want payment to be settled by Barclays directly or via Pay360.
One benefit of the service that Pay360 provides to councils is advising on payment industry pricing and ways to achieve a lower cost base for online payment processing.
As local authorities have a high average transaction value (c. £125), Pay360 are often asked to advise on interchange (a fixed percentage rate set by the card schemes), what it means, and ways to mitigate the recent increase it represents for merchants with high average transaction values.
By offering Pingit – with a fixed cost of 15p per transaction for local authorities – councils will be able to see immediate cost efficiencies. In addition, the councils have been able to improve the service delivered to, and the relationship with, their citizens, providing more choice and digital ways to pay.
The key success factors have been:
Barclays is now working with Pay360, and the councils using their solution, to look at the full suite of mobile payment functionality that could support their citizens. This includes providing the ability for councils to pay out to the citizens for social housing, and to pay paper bills simply by scanning a QR code.
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