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With 244 million active accounts in 2018, PayPal is one of the most popular payment processing tools out there. PayPal has lots of limitations that slow down the process of running the business and high fees. Here's a list of PayPal Alternatives for Startups
submitted by sdblro to Entrepreneur [link] [comments]
PayPal is a well-known solution for companies looking to accept payments worldwide, manage their finances, and send invoices. With 244 million active accounts in 2018, PayPal is one of the most popular payment processing tools out there.
More and more companies are looking for PayPal alternatives these days since this company has lots of limitations that slow down the process of running the business.
When it comes to choosing the proper payment solution, you need to pay attention to the fees, data security, and customer service.
For those of you who are looking for Paypal replacements or want to know other flexible solutions, in this list, we have put together 32 great Paypal alternatives that work for startups. Source
Payoneer is the first option that crosses my mind when it comes to Paypal alternatives. Payoneer allows you to send money using a debit card, credit card, and ACH payments. It is fast, – the payments can be completed in just 2 hours. Pricing: Processing fee starts at 3%
Skrill has a clean, user-friendly interface. It offers you a prepaid debit card. The fees may be the same as Paypal, but it makes international payments easier since the payments can be sent to the debit card at once. After that, you can use your debit card to withdraw money using an ATM. Pricing: Receiving money into your Skrill account is free. Send payment for only 1.45% fee. Withdraw funds with 7.50 % fee.
Transferwise is a much faster and cheaper solution for international transfers. You can send and receive money on their service without borders. It merely works: clients pay in their currency, and you get the payment right on your bank account within a few hours in the currency of your country. You need to share your phone number and last four digits of your credit card to receive money. Pricing: You need to pay a difference in exchange rates and small Transferwise fee.
Selz is a tool that will help you to create your online store or sell goods on social media. It is not a payment system, but an online store builder with ‘drag and drop’ feature and more. Besides that, you can integrate your payment gateway with Selz without other external services. They offer automatic Tax Invoices for your customers. Pricing: 2% transaction fee; 2.9% + 30¢ processing fee¹
Using Google Pay, your clients can make purchases using your website and app. You can enable shopping across devices to reduce missed conversions and forgotten passwords. This is one of the best options for store owners. It takes a second to get or receive a payment. Pricing: Google Pay has no fees for using debit cards or making bank transfers, though you have to pay a 2.9% fee for credit cards.
2checkout is another perfect Paypal alternative tool. It’s all about accepting payments globally. The commission in the USA is almost the same as Paypal, but when it comes to receiving payment from other countries, they offer better rates. It allows you to sell any product abroad. Pricing: 2SUBSCRIBE pricing plan requires 4.5% + $0.45 per successful sale. 2SELL requires 3.5% + $0.35 per successful sale.
Stripe is a global startup company with a 19% market share. Companies of any type and size use the service to accept payments and manage their business needs. Developers love this service for Stripe’s API that allows quickly add a payment method to a website. Pricing: 2.9% + 30¢ per successful card charge
Wepay features not only excellent customer support but also a virtual terminal that allows you to make purchases online without leaving the website. The company was established in 2008. Pricing: 2.9 percent + $0.30 per credit card payment; 1 percent + $0.30 per bank transfer.
Quickbooks or Intuit is a popular useful tool for small business owners who need help with their finances. It gives you an ability to accept payments both in-person and online. Besides, it can help you to pay taxes, manage salaries, and file payroll tax forms. Pricing: 2.4 percent + $0.25 per swiped, tapped or dipped transaction; 3.4 percent + $0.25 per keyed transaction
ProPay was built in 1997. It provides similar features as PayPal, along with the ability to send and receive payments worldwide. For those who are doing transactions in person, you can use ProPay JAK. It is a mobile phone credit card reader that process cards in real time. Pricing: Pricing depends on the type of transaction and card you have.
For those of you who sell products and services with Shopify, you need to get a closer look at their in-built service called Shopify Payments. It gives you low processing fees, allows you to accept payments using different cards (Visa, Discover, Mastercard, and American Express), and have all your data at one place. Pricing: Online credit card rates 2.9% + 30¢. In-person credit card rates 2.7% + 0¢.
Amazon Pay if the first tool for letting people checkout at your online store. It features an account with user login where all information is stored. It makes the process faster and smoother than with regular shopping cart. Pricing: The fees start with 2.9 percent+ 30¢ per transaction
Dwolla is another tool similar to Paypal. Just like Paypal, it allows you to send and receive payments from individuals and companies. Their main specialization is ACH bank transfers, so that bank transfers are super secure. But the main disadvantage is that you can’t create an account with Dwolla outside of the US. Pricing: The transaction fee is only $0.25.
This tool will come in handy for e-commerce store owners because it offers web and mobile payments. You can store credit cards with Braintree just like Google Pay. Paypal runs this company, but it still provides more advanced list of features and better customer support. Pricing: 2.9% + $.30 per transaction.
This tool will help you to manage payrolls. With Square, your employees can clock in and out of work and set up direct deposits. Besides, Square grants small business loans that you can pay back with a percentage of daily sales. Pricing: 2.9 percent fee + $0.30 per transaction
With Payza you can accept payments using a credit card and bank account. Moreover, the tool also works with cryptocurrency. Pricing: 1.99 percent + $0.25 per transaction
Venmo is famous for its feature to send cash to friends. When you create an account on Venmo, it offers you to make a list of friends. After that, it is way easier to send money to people from this list. The business can use it for the checkout process. Pricing: It’s free to send or receive money from a linked bank account. Electronic withdrawal (standard or Instant) from $0 or 1%* (min. $0.25). $2.50 for out-of-network ATM withdraw.
Payline offers you straightforward, transparent, and flexible payment processing experience. It is a useful service for store owners – you can use it whether you’re in-store, mobile, or online. Pricing: Swiping in person: 0.2% ($0.10 per transaction | $10 per month)
Click2sell is a reliable Paypal alternative that offers almost all the same features. It accepts Paypal, Skrill, and credit card payments. The main difference is that they have potent reports and affiliate tracking. Pricing: Depending on your plan, $1.50 + 7 percent per direct sale or $1 per transaction up to $19.99
Klarna is a service that offers its customers ‘pay later’ feature. It means you can purchase goods online and pay with Klarna. Then, you have from 14 up to 30 days after delivery to pay them back interest-free. Pricing: Free for up to one month
Merchant claim to be a hassle-free payment processing company that gives you more control over your funds than Paypal. They allow a grace period that can help you to resolve disputes rather than freeze your account, just like Paypal usually does. Pricing: Processing fees start at 1.99 percent + $0.25 per transaction
Another perfect payment solution for global companies. Wirecard works with over 100 transaction currencies and 200 payment networks that gives you almost complete freedom. With this tool, you can do in-store payments, mobile payments, value-added services, and much more. Pricing: The pricing is available upon request
BlueSnap allows you to add payment methods to your websites, stores, and apps. Your customers can make purchases with credit cards, bank accounts, or similar online payment systems. Pricing: 3.90% + $0.30 or you can develop a personal pricing plan.
Whether you use terminal, online, or point-of-sale with Worldpay, it does not matter. They provide EMV chip card payments and also alternative payment options in the situations when your customer has no card. Pricing: Pricing is available upon request
FastSpring is an e-commerce platform for software and Saas companies. With this service, you can easily enable payments online or in an app. You can make popup checkout for clients, personalized shopping experience and more. Pricing: Pricing is available upon request
Viewpost is a full-featured payment and billing solution that will be suitable for both single freelancer and huge enterprise company. You can view payment history in your account and keep track of all transactions. Pricing: $14.99/month plus transaction fees
Authorize has over 43,000 merchants and handles more than one billion transactions per year. This is a big company that accepts credit card and electronic payments in person, or over the phone. Pricing: No setup fee, free monthly gateway, 2.9% + 0.30 cents per transaction
Send, receive or request money online with Popmoney. The process is transparent and straightforward: cash moves from one bank account to another without any middle accounts. Pricing: Flat $0.95 per transaction to use it here at Popmoney.com
Without setup or cancellation fees, Charge is a good credit card processing platform. It enables you to accept payments online and in stores. Pricing: Merchant Account Application Fee and Web Shopping Cart are free.
If you have SaaS or e-commerce businesses, you need to take a closer look at Paylane. This tool allows you to accept payments in various currencies and formats. Smashing Magazine and The Next Web use it. Pricing: 2.8% + 0.25 EUR and 0 for Paypal
Coinbase is a cryptocurrency trading platform that allows the business to get Bitcoin transfers. If your client is familiar with cryptocurrency, they can easily send your payment to your Bitcoin wallet. Then, you can merely convert this amount into your local currency, or transfer to another payment service. But remember about exchange rates. Pricing: Pricing varies depending on the cryptocurrency
All iPhone users can get the advantage of using Apple Pay to transfer money. Previously, I used it only to pay products in stores without a card. When a person sends you cash, it stores automatically in your Apple Wallet. You can spend it using Apply Pay or transfer on your bank account within 1-3 business days. Pricing: It charges the banks as a rebate for every transaction. No fee for merchants.
Basics for how to do carding
submitted by antigreedy to u/antigreedy [link] [comments]
Basics for how to do carding Points we will go through:
- What is carding? - What are the factors relates to carding? - How it’s done - the process itself. - Precautionary measures Carder should take. Overview:
Nowadays, if we see the credit card fraud trend, it is being increased day by day and new techniques being discovered to hack the credit card info and use it for malicious purpose so it's a good growing business.
As everything goes cashless, the use of a credit card will be necessary for everyone.
There are so many ways to get the credit card details available on the internet through Darknet sites as well as on TOR sites (Data Leak .etc.).
As we can see on social media sites and groups, most of the carders provide the offers which are collected from Online Sites, offline stores etc. and groups for your reference:
Be aware that you should never contact a ripper. A Ripper is a fraud who takes the money and never deliver the product. Bad ways are:
Facebook and WhatsApp groups Let’s start with the basics.
Introduction to Carding and Key Points:
There are multiple definitions available per different views.
Carding itself is defined as the illegal use of the card (Credit/Debit) by unauthorized people (carder) to buy a product. 1.1 Key points in carding method. 2. Let start to understand each point one by one. 2.1 Computer (PC):
For doing carding always use a computer. I know some methods using a mobile device, but it is less secure and involves more risk. 2.2 SOCKS:
SOCKS stands for SOCKet Secure. It is internet protocol which allows client and server traffic pass through a proxy server, so real IP is getting hidden and proxy IP get reflected.
This is useful while carding because carder wants to use the credit card holder’s location while doing it.
Users can buy SOCKS. 2.3 Mac Address Changer and crypting:
MAC stands for Media Access Control. It is the unique address of every Network Interface Card (NIC).
A MAC address changer allows you to change the MAC address of NIC instantly. It is required to be anonymous and safe.
Sure the best way is to have your computer encrypted - find some software to encrypt the PC. E.x. Best Crypt. Do not forget to fully turn off the PC while moving somewhere. 2.4 CCleaner:
It is very useful tool help in cleaning your browsing history, cookies, temp files, etc.
Many people ignore this part and get caught, so be careful and don’t forget to use it. 2.5 RDP (Remote Desktop Protocol):
RDP allows one computer to connect to another computer within the network. It is protocol developed by Microsoft.
Basically, carders use it to connect to computers of the geolocation of the person whose credit card carder want to use. It is used for safety and stay anon. Here carders using others’ PC for doing carding instead of their own. 2.6 DROP:
DROP is an address which the carder uses for the shipping address in the carding process.
Let me explain in details with an example:
If I am carding with US credit card, then I use USA address as shipping address then my order will be shipped successfully, and I will be safe. If you have relatives/friends, then no problem, otherwise use sites who provide drop services only we have to pay extra for shipping it. 2.7 credit card (Credit Card):
This part is very much important so read it carefully. Any credit card it is in the following format:
| credit card Number | Exp Date | CVV2 code | Name on the Card | Address | City | State | Country | Zip code | Phone number (sometimes not included depending on where you get your credit card from)|
e.g.: (randomly taken numbedetails)
| 4305873969346315 | 05 | 2018 | 591 | UNITED STATES | John Mechanic | 201
Stone Wayne Lane | Easternton | MA | 01949 |
Types of Credit Card:
Every Credit card company starts their credit card number with a unique number to identify individually like shown below American Express (AMEX Card) – 3 Visa Card – 4 Master Card – 5 Discover (Disco) – 6
Company wise credit card details:
The Card is used worldwide in any locations designated by Visa, including ATMs, real and virtual Stores, and shops offering goods and services by mail and telephone. Gold
– This card has a higher limit capacity. Most used card and adopted worldwide. Platinum
– Card is having limits over $10,000. Signature
– No preset spending limit – great bin to get Infinite
– Most prestigious card with having virtually no limit. There is less in circulation so be alert when buying these. Use only with reputable sellers! Business
– it can be used for small to medium sized businesses, usually has a limit. Corporate
– it can be used with medium to large size businesses, having more limit than a Business card. Black
– It has limited membership. It has no limit only having $500 annual fee, high-end card.
– it is same as classic visa card. Gold
– it is same as visa gold card. Platinum
– it is same as visa platinum card World
– it has a very high limit. World Elite
– it is virtually no limit, high-end card.
Amex Card Gold
– it usually has around a 10k limit. Platinum
- is usually has a higher limit (around 35k). Centurion
– it has a High limit (75k+). It is also known as the black card, note: do not confuse with visa black card.
Now we can start with some of the questionnaire and Basic concepts before start practical process of Carding. Q1. What is BIN?
It is known as Bank Identification Number (BIN). It is a 6-digit number e.g.: 431408.
Some of the reference sites which give BIN info which I also refer: www.bins.pro www.binlists.com www.exactbins.com
Simply go to the site (www.bins.pro
) enter BIN number and click on find to get the details. I have added first 4 digits only.
You can filter out the option as per requirement shown below
We got most of the information from the site. Now the question is how to know the balance of CC. is it possible? and answer is Yes, I will let you know step by step using normal as well as Skype method J Q2. What is the meaning of VBV, NON VBV and MSC?
VBV (Verified by Visa) – Extra level protection is added by Visa to protect the Card from fraud.
Like DOB, password, Social Security Number and Mother’s name, etc. also sending OTP (one-time password) as extra security level to card owner mobile number to validate the transaction.
NON VBV (Verified by Visa) –Handy to use. No need extra information as specified in VBV card while doing the transaction.
Note it down (IMP)- Carders mainly buy and use NON VBV cards for carding.
MSC (MasterCard Secure Code) – security level same as VBV card. Q3. What is AVS?
It stands for Address Verification System
It is the system which is used to identify the credit card holder original address with billing address provided by the user while shopping or online transaction.
The system is used to identify the online fraud over the internet. Q4. How to check credit card is live or dead?
There are many sites available on the internet to verify credit card is live or dead, but they charge for it approx. $0.001 (price may vary). Also, 80% websites kill the credit card so never use it.
There are tools also available on the internet to check the credit card status, but most of them are a backdoor or Trojan so prefer not to use it.
As such there is no easy method to check it. Carder uses own ways to find it out. One of the ways is…
Most carder go to Porn sites, buy a membership and confirm the credit card is live and proceed with carding. Q5. How to check the credit card is live or dead? (Skype Method)
(Note: method is posted on March 16)
Login into Skype account and call on Magic number +18005xx5633 (masked). You will connect to voice mail (lady’s voice). Start by entering the credit card number, and voice mail lady will stop automatically.
After that enter Expiry date of a card like 01 16 (mm: yy format).
If your credit card is live then voice mail lady will speak like “Thank you for calling, we really appreciate your business, since u are a 1st-time caller we would like to connect you .. blah blah” then just hang the call.
But if the credit card is used and voice mail lady speak like “Ohh I’m sorry please re-enter your credit card number now” then the card is dead. You can repeat the same process as many time you want.
Note: You need a good internet connection for Skype calls. Q6. What is Bill=ship/Bill=CC/Ship=your Address?
Kindly pay attention here as it is also the main portion in carding process. Any mistake will cancel the order and id get blocked.
BILL=SHIP (Billing address: Shipping address)
Take a scenario of normal online shopping scenario, when you are doing carding you will use billing address and shipping address are same. Means in both u will use your address. No need to use credit card address.
Bill=Shipping address, Ship=your address
When you are doing carding, you will use credit card holder address as your billing address, and shipping address will be your address. Most sites use this method. Now we cleared basic concepts and start with the actual process of carding. Setup SOCKS proxy in Firefox:
Follow the steps: open Firefox, go to options, advanced options, network
A pop-up will come. It will show options
No proxy 2. Auto Detect 3. Use system proxy 4. Manual proxy configuration
Select manual proxy configuration. Enter socks host: <> and port: <> e.g.: 22.214.171.124: 8080. Press ok and restart Firefox. Now you are connected to secure Socks5 J
Ethical Hacking Training – Resources (InfoSec)
Note: when you buy a socks always match with credit card holder address. If credit card holder is from California, USA then try to get SOCKS5 at least matching state, country J
Guys now time to start the Carding process. Kindly follow the steps:
Create the email id matching with credit card holder name. If his name is John Cena ( the random name was taken), then email id should be [email protected] or near about.
Now Run RDP and connect to the credit card holder location system to proceed. If you didn’t have RDP, then follow following steps.
Open MAC changer and change the address randomly.
Run CCleaner and clean all the unwanted data (cookies/history/temp data etc.).
Setup SOCKS5 proxy in Firefox. <>.
Be sure to use SOCK5 is matching to the location of credit card holder and be aware not to use blacklisted IP. Check with www.check2ip.com
Open the site for shopping. I want to recommend a website shop from your country because you don`t need to wait a lot for your package.
Register with credit card holder information (John Cena), name, country, city, address, and email.
Shop and choose your item and add to cart. Precaution: Select item not more than $500 at first step.
In shipping address add your address or drop address where the product is going to deliver.
Then go to the payment page and choose payment method like a credit card.
Enter all details of credit card manually because most of site having copy paste detector script.
Finally, in billing address add credit card owner address info and then proceed with the payment process.
If everything all right then the order will get successfully placed.
Once the order arrives at the shipping address, receive it from delivery boy. (Few carder arrange fake id if delivery boy ask for proof).
Carding method using mobile:
Extra pro carder uses mobile for doing carding. If you followed steps carefully, you would also do that.
Require rooted Android mobile.
Install few application require for carding (proxy apps, CCleaner, IMEI changer, Photo and Android ID changer).
You can use any VPN for carding I recommend HMA or Zen mate.
You can use SOCKS5 proxy with proxy droid apps.
Also, proceed with IMEI and Android ID changer and do it.
Now connect with proxy droid with SOCKS5 proxy and connect it.
Now follow all the steps explained above.
CC and dumps shop to buy www.antigreedy.com
Download MAC address
Acronyms: BIN: Bank Identification Number CC: Credit Card CCN: Credit Card Number CVV/CVV2: Credit Verification Value (Card Security Code) SSN: Social Security Number MMN: Mother Maiden Name DOB: Date Of Birth COB: Change of Billing VBV: Verified by Visa MCSC: MasterCard Secure Code POS: Point of Sale VPN: Virtual Private Network BTC: Bitcoin
Be safe and have fun, get money.
*Jabber [antigreedy_[email protected]](mailto:[email protected])
*TOR - antig4vt6kvg7am6.onion
Chimp crypto to fiat settlement system
THE CHIMPION'S PLATFORM submitted by Mickeyberry to ico [link] [comments]
The Chimpion platform is a digital assets e-commerce network that empowers every merchant to adopt the use of digital assets (cryptocurrency) payments on their website (online stores) with a major aim to drive the acceptance of digital assets as a means of payment solution by running a resourceful e-commerce store centered around cryptocurrency. The Chimpion's network is fast with user-friendly interface and all transactions are affordable. The Chimpion platform came into existence through innovative technology from e-commerce provider such as Bitcoin Diamond foundation (BCD), Shopping Cart Elite (SCE), Paytomat and combinations of a wide range of e-commerce functionalities with expedient payment processing system. The gateway to Chimpion's robust digital assets platform is to hold Chimpion (CHIMP) and every holder of CHIMP is entitled to a free monthly subscription fee.
The Chimpion platform created a dual token dynamic which is the Chimpion (CHIMP) and the Banana token (BNANA) that works like points on a loyalty card (redeemable for discounts, exclusive and promotional offers). The e-commerce merchant's storefronts and e-commerce environment are power-driven by CHIMP to incentivize merchants for their adoption of Chimpion's platform. The CHIMP will be the fundamental currency coinage in the Chimpion's store featuring Chimpion's product line and directory while the BNANA serves as the reward layer of the platform in the sense that users earn BNANA via buying of goods and services from Chimpion's merchants when they make use of CHIMP or another cryptocurrency.
Chimpion plays a major role as a checkout scheme and payment processing system that supports stable coins such as USDT, TUSD, USDC, GUSD (NYDFS-approved), and PAX (NYDFS-approved). ADVANTAGES OF USING CHIMPION'S PLATFORM
BITCOIN DIAMOND PAY WALLET
- Merchants have access to advance search engine optimization;
- Merchants are able to circumvent chargeback fraud;
- Customers have access to exclusive retail stores anywhere in the world;
- Customers can instantaneously exchange crypto-to-fiat and withdraw to their bank account;
- Customers earns BNANA token via loyalty programs.
The BCD pay wallet is incorporated to the Chimpion's platform as a payment gateway that enables users to use cryptocurrency (ERC20 tokens, EOS tokens, BCD, Bitcore, Ethereum, waves, NEM, Zcoin, Horizon, and lots more) of their choice to pay for goods and services online. The BDC pay wallet is a multi-crypto wallet that does not save users private key. The BCD pay wallet is downloadable on Android smartphones as an APK file 👉https://www.chimpion.io/download/bcd-pay-wallet.apk
or from the Google Play store 👉https://play.google.com/store/apps/details?id=bcd.pay.wallet
with an iOS version coming soon on Apple Appstore.
Merchants, startups, or existing projects can list their coin or token via the BCD pay wallet for the payment of goods and services online by filling this form 👉https://bcdpay.typeform.com/to/KBOO4C CHIMPION COIN INFORMATION
BNANA is the native currency of Chimpion created on the EOS blockchain making it an EOS compliant that will be used as a standard means of payment and reward across the platform. BNANA is an ERC20 token designed for users to purchase goods and services from merchants using the Chimpion platform.
COIN NAME: CHIMPION
TOTAL BNANA SUPPLY: 100 BILLION COIN DISTRIBUTION
COMMUNITY AIRDROP: 61.86%
TEAM AND ADVISORY: 5.15%
FOUNDATION PAYROLL: 10.31%
STRATEGY PARTNERS: 15.46% CONTACT CHIMPION FOR MORE INFORMATION:
ARTICLE WRITTEN BY MICKEY OBERABOR
BOUNTY0X USERNAME: MICKEYBERRY1
DECENTRALIZED FOOD DELIVERY SERVICE
submitted by wack221 to u/wack221 [link] [comments]
DECENTRALIZED FOOD DELIVERY SERVICE
SALES BEGINS EARLY FEBUARY
In today’s world the technological development strides ahead very quickly. The trends of digitization and automation are already in full swing. The development of the Blockchain technology has led to a new trend– the trend of decentralization. There is not only one catchword to describe this process. The trend is rather a whole philosophy and mindset what shows the importance of cryptocurrencies. Pioneering projects like Ethereum, the DAO, Dash and many more show how decentralization can be defined in a new way with innovative business models, business processes, applications and other services. These projects are not only decentral in their technological architecture and partly in their political organization. They also give cryptocurrency’s owner the chance to be involved in the success. In these cases, the cryptocurrencies are both a means of payment and a profit sharing.
The success of most cryptocurrencies is based on the clear disruptive potential. The cryptocurrencies have not reached their limits yet. They mainly function as investments or rather as a speculation medium and only for a few people as a means of payment. The adaption of the wide mass is essential if we want to push the decentralization with its advantages, visions and mindset to its limits. The full potential and the price stability show up when cryptocurrencies are used as a method to pay on daily basis.
Our mission is to establish cryptocurrencies in millions of people’s everyday life’s
This is the goal we want to achieve with sesame. Our food delivery platform is built on smart contracts on ethereum network. Our Sesame token will be as a native currency on our platform and opens many more features for token holders. Customers can use SST tokens as a payment option and get 15% discounted prices. You get SST as a reward for every submitted valuable review and shared or uploaded images and videos of their tasty foods or deliveries. We will have social network called SesameTalk - where customers share their recipes, thoughts and expressions from recent orders and many more. Customers can tip their delivery drivers for their awesome job. Our platform will be different from current platforms like grubhub and postmates by being on the blockchain which adds more transparency and trustless platform. no more fake reviews because of smart contracts only delivered orders will be reviewed and no more paid search options. The first step is to tokenize an on-demand delivery service for food. The idea behind is to create a usage with daily transactions. The application breaks classic structures because it is developed and expanded by the community (couriers, clients, restaurants and uninvolved ones) and not by a management that wants to make millions in profit. We care about communities’ needs and wishes.
The vision is a decentral structure with a design that will be developed gradually. The aim is to create a common consensus that is on one hand competitive and allows a strategic goal-oriented procedure on the other hand. Furthermore, it increases the welfare of all participants in the system. INTRODUCTION - PROBLEMS
Why an on-demand delivery service?
The food industry services basic needs
We spend more than one hour per day eating– in total this number sums up to 30.000 hours looking at a whole life and $100.000 (14% of our household income). As the food intake is a human basic need and will always be, the food industry is one of the oldest sectors in world’s history. The food industry’s annual sales in the European Union is more than 1.2 trillion. Therefore, it represents the biggest manufacturing industry in the EU (2016).
On-demand delivery services – a sector with hypergrowth
The delivery services sector is in change. In the past 15 years the so-called aggregators (software-only) dominated the delivery services – but in 2013 “new delivery services” arise and became the new stars. Those new delivery services undertake the task of delivering food from restaurants to people’s homes (on-demand) with an own fleet business. The advantages for restaurants are high flexibility as well as no fix staff costs.
Thus, these concepts fit for high quality and unique restaurants and not only for typical fast food restaurants
The concrete problems
Despite the boom of new delivery services, they are in public critique. A lot of restaurants fight with high commissions (approx. 20-30%) and the couriers complain about exploitative working conditions and bad salaries. At the same time the known delivery services are losing sums over ten million dollar every year
High commissions, low wages and still no profit
The business model is highly rated because of its high range and the fast growth, but it still does not make any profits. The fast growth implicates the need of more personnel. Not only couriers are necessary but also staff for administration, sales, acquisition of couriers and staff planning. In addition, even more staff is necessary in the administration. It is common that those companies spend a lot of money for marketing campaigns like coupons, numerous giveaways, fancy poster advertisements and for opening up new delivery districts.
Competition and commercialization against customer benefits – an expensive agent
These high operating expenditures are necessary in the delivery service’s strategy. Important key terms are ‘round of financing’ and ‘flotation’ to ensure the financial survival of the business model as well as the growth. The company has to show a good performance in the contest, which is very expensive, to be attractive for investors. Therefore, it is no surprise that the restaurants and couriers are of secondary importance in this vicious circle.
Decentralization Sesame token – we develop a service which is architectural and political usefully decentralized and possess all significant elements of an on-demand delivery service. It’s a great pleasure to announce to you all that sesame token will be out as a native currency on our platform which has a lot of outstanding features for token holders. Our client can use SST token as a payment option with an advantage of getting 15% discounted prices. You will get SST as a reward for every submitted value review, shared or uploaded images and videos of your tasty food or deliveries We also have social network called SesameTalk - where customers share their recipes, thoughts and expressions from recent orders and many more. Customers can tip their delivery drivers for their awesome job.
Operative process In the order and delivery process a direct peer-to-peer connection of all participated instances will be established with a safe payment transaction and delivery handout. The part of expensive agents is not necessary. The participants in the process (restaurants, couriers and clients) are our focus. They are value creators and earning contributors.
In a project oriented Open Source Development user can push new developments and can hand in new global and local concepts. The respective board can vote for marketing campaigns, new features, etc. and can allocate a corresponding budget.
THE TECHNICAL IMPLEMENTATION
Introduction – What is blockchain technology?
(This section gives a short overview on the Blockchain technology in a simplified presentation. There is no previous knowledge needed. For further information we advise you to search for deeper information about cryptocurrencies by yourself. If you are already familiar with the topic Blockchain and cryptocurrencies you can skip this part and start reading the next chapter)
‘Blockchain-technologies possess the potential to define the method of how we economize in a new way. Bitcoin is only a first representative.’
But what exactly is the Blockchain? You may probably know the term Blockchain if you think about Bitcoin. The easiest way of description is the comparison with a digital cash book. Network’s participants execute transactions with associated protocols. The so called ‘miners’ register these transactions. The miners verify transactions, combine them to new blocks and extend the Blockchain with the combined blocks. Sender and receiver get a transparent overview of how many coins/tokens have been transferred (in this case the Bitcoin-Blockchain ‘Bitcoins’) with this method. It is an anonymous method because senders and receivers are only listed with their ‘public key’ in the network.
The miners always have a local image installed and they do not need to check it on a central server. Another advantage is the complex encryption which makes the Blockchain tamper-proof. Hackers who want to manipulate the cash book must control 51% of the mining network (network transactions). To gain this computing power, various large companies are insufficient. In addition, this theoretical approach is not a guarantee for a successful attack of the network. In practice, the older the logging of a transaction in the Blockchain, the more difficult is the manipulation. Therefore, the Blockchain is safer, the more miners take part in the network. The miner is being rewarded for the verification and the expansion of the Blockchain due to the designed protocol.
Everyone can own Bitcoins, transfer them and take part as a miner in the mining-process. If we take a closer look on Bitcoin and its rising value we will see that a lot of mining-farms have been established in Asia to collaborate as a mining-pool.
With this technology digital units (coins/tokens) are created and called cryptocurrency. Unlikely to common FIAT currencies (Dollar, Euro, etc.) there is no trust in a state or bank needed. The security is given by the Blockchain itself.
A Blockchain-protocol is being programmed and released. Therefore, it does not have a possessor in its decentralized environment. If the protocol should be changed, the majority of the miners have to be convinced. The technology cannot be used as a cash book only but is also able to function as a data base for random information.
The significant advantage is first that no central authority which provides servers is needed and second that this instance is not responsible for the security and validity of the transactions. The technology is seen as disruptive because this function is the common business model of a lot of service providers like banks, insurances, notaries, etc.)
We feel confident with using the Ethereum-Blockchain as the perfect platform for sesame. Not only because of the large community but also because of the powerful programming language for developing smart contracts. Ethereum offers a various number of possibilities due to its programming language (Solidity) as well as the power to create new processes in different levels and to automatize them independently.
Furthermore, the Ethereum core team will advance the platform’s development with new functions and more stability. In addition, a solution will be offered for scalability issues for example by using the sharding proposal or furthermore the plasma framework.
SESAME TOKEN ECOSYSTEM
The system is now able to show the available restaurants in the customer’s area. Simultaneously, uPath determines the predicted time of delivery range for each restaurant considering order volumes, distance and supplier availability. If the customer has selected a restaurant, the shopping cart can be put together checked again and a method to pay can be chosen. Then the delivery details, the shopping cart and the price included transaction fees (depends on the payment method) are displayed. After a final check the transaction can be performed. The customer gets the confirmation of transaction and the delivery process starts to show up.
To create a customer friendly experience also Fiat currencies (PayPal and credit cards) are accepted besides the sesame-Token due to an external interface. In addition, common crypto currencies should be available. For customers who are not familiar with crypto currencies, we want to provide the opportunity of using the sesame platform as simple as possible in sense of mass adaption
Nevertheless, the whole protocol is bound to the sesame-Token. Thus, a direct exchange is mandatory. Therefore, an exchange service is implemented. Ideally, some of the planned decentral exchange solutions are fully developed and available as a service at that time. The user’s advantage to use the sesame-Token is that the customer’s will get 15% discounted prices. Furthermore, the usage of the sesame-Token should be rewarded with coupons in the launch phase depending on the budget available
After the order- and payment process has been completed, the delivery process begins. Customers are even eligible to order delivery to their doorstep, can even stroll out for pick up or book a table to eat in the restaurant. The deliverer gets the order confirmation while the restaurant prepares the order. The both protocols interact insofar as the pickup time of the dish can be predicted. In the meantime, the courier can drive to the restaurant and use the displayed route. After the courier has reached the restaurant a quantity visual inspection takes place. The courier validates whether the ordered number of dishes and drinks is correct. There is no need for the courier to check for absolute correctness because this is the restaurant’s responsibility and would make an efficient process impossible. After completing the visual inspection, the courier signs the goods’ acceptance. Then the courier will be led to the customer with the help of uPath or rather with the external map service. If the courier has reached the destination, the delivery takes place. The customer checks whether the order is quantitatively complete and signs the goods’ acceptance to finish the delivery process. Thereupon, uPayment transfers the commissions for the courier, the collectable amount for the local and global board as for the recruiter and the core team. The payment for the restaurant is blocked for approximately two hours via time lock. During that time slot the customer has the chance to open an additional claim, which in turn activates the uSupport protocol. If no customer reaction happens, the money will be transferred to the restaurant after the time lock has been expired. Signatures are being processed with code keys or QR codes. Both will be generated randomly, cryptographically and locally. They are stored on smartphone or other devices. If one of the signatures is absence the transaction cannot be fulfilled completely.
Optimized cost structure
We at sesame follow another approach and dissociate from the aggressive competition. Our aim is to minimize the administrative costs in favor of couriers and restaurants. Sesame is not a service that aims to establish an empire and has to spend high investments for self-marketing. Sesame is more a public accessible protocol which provides the automated and decentralized on-demand delivery service system. The official administration is limited to the core team, what provides system stability, develops legal bases and compiles (related to the financial volume) new developments. The expansion will be reached together with the community and the help of the decentral franchise concept. The original valuable process of the service will be automated and decentralized by the Blockchain and the uChain-Protocol.
INITIAL TOKEN SALE
It’s a great pleasure to announce to you all that sesame token will be out as a native currency on our platform which has a lot of outstanding features for token holders. Our client can use SST token as a payment option with an advantage of getting 15% discounted prices. You will get SST as a reward for every submitted value review, shared or uploaded images and videos of your tasty food or deliveries.
At the initial token sale, the sesame-Token will be offered in a public crowd sale. In this context the ERC20 based as crypto currency, the terminus “Token” is correct. The term “Initial Coin Offering” (short ICO) has been established within the public sale of Coins or Tokens, which is equate to the term Token Sale .Sesame Tokens are sold for ETH.
Attention. Mastercard has announced a patent for the integration of BTC into their systems.
On June 19th, 2014, the United States Patent and Trademark Office (USPTO) published Mastercard International Incorporated’s patent application 20140172633 (13/829421), “Payment Interchange For Use With Global Shopping Cart.” The application was filed with USPTO on March 14th, 2013. submitted by junkyardmessiah to dogecoin [link] [comments]
In accordance with this disclosure, the global shopping cart 300 offers a flexible API framework to accept payments from any number of sources. The cart owner can pay via traditional electronic means including credit, debit, GRP, as well as ACH. Additionally, the API framework provides the capability to link to other wallets and allow the ability to pay with wallets such as MasterPass.TM., Google.TM. wallet, PayPal.TM., C-SAM.TM., ISIS.TM., Amazon.TM. payments, V.me.TM., and the like. The API can also support an interface to accept non-traditional modes or sources of payment such as Amazon virtual currency, paying with rewards points, bitcoin, virtual card numbers, and the like.
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