It's 3:40 AM on Sunday morning, but I'm giddy as a school-boy and felt it important to announce the exciting new functionality we've just completed launching.
Secure Payments Widget is Here!
I've forecast the Mpayy Secure Payments Widget a number of times in this space, but finally it is in production and ready for all to use.
(Here it is, though the blog post CSS is changing the color of the background in this post.)
Mpayy is utilizing the Clearspring Launchpad Widget syndication platform in order to make it one-click to the addition of the widget anywhere our Members wish to use it.
The Development and Product teams at Mpayy and US Bank discussed Widget security extensively. The question of, "Why did PayPal redirect the payment piece to their own website" with the subtext of, "clearly these guys know a whole lot about security." The concern about "spoofing" is very real. Clearspring makes it incredibly easy to grab some part of a website as a Widget, and it would be simple to take the front end from PayPal, Causes, or others and change the Widget file to use JavaScript that posts sensitive User Names and Passwords to another source. The criminal could then use the User Names and Passwords on the real site to steal money.
As a result, we decided to pop up a small version of the website so users can verify our SSL certificates and see the URL and iconic Padlock to demonstrate the security of the page. Only then do we request Password. I spoke with Joel Pulliam, VP Product at Clearspring about providing a Verisign-esque service to validate the source of the Widget, but they declined to do so due to concerns about spoofing the certification. If you look at NOCA's One-Click Pay literally asks you to put your Bank Routing Number and Account Number into a facebook page. Caveat emptor, pal.
Mpayy's widget can be used by any of its Members, and provides a simple and easy way for Online Sellers and Charities to add the payments widget to any page they wish with limited technical prowess. On 3/16, we will make it server driven so Members can pre-populate Payee, which will be more helpful. Mpayy will process payments for non-profits and charities for free, and hopes to see it employed very frequently with large charities.
Get Paid w/ Mpayy - Mpayy Bracket Challenge
Mpayy announces the (up to) $25,000 "Mpayy Bracket Challenge" for all Personal and Mobile Merchant account-holders. 
Our good friends at PoolTracker have a wonderful White Label system that allows us to customize with our own header. Sign up now, and submit your bracket before the tournament starts on March 20th.
The payouts to the Bracket Challenge can be found here. We will obviously pay users into their Mpayy accounts where they can withdraw it directly to a Linked Bank account or send to someone, and soon to shop online.
Other New Items
Three other notable items:
- Free Donation Processing - Mpayy will process donations for free for Charities, Non-Profits, and political campaigns. Zero transaction fees will be taken through any of the Mpayy Channels - online, mobile, social networking
- In-Line Validation - We added local JavaScript in-line validation to the Personal Information page of each account. We require a number of fields for the identity check, and when we launched, we had some unfriendly validation rules around Mobile Phone number, email address and Date of Birth. Those have hopefully been ameliorated.
- Person-to-Person Text Notification - We originally did not send an immediate text message notification for Person-to-Person transactions, but determined it was a necessity to communicate immediately the action taken when paying a friend for dinner, quick loans or other expenditures, especially in the world where folks are paying each other through our mobile site.
Many Praises for US Bank
At my last job, subsequent builds made me feel as if we were getting worse at our jobs. In days subsequent to builds products, or the whole site was dusted for hours and days on end. This build went off without a hitch, with just about 45 minute delay. Our partners at US Bank (NYSE: USB) have an incredible amount of experience in developing software generally, and enterprise payment & mobile applications specifically. We remark regularly that in many ways we are a non-startup startup. We mean this in the fact that US Bank is an incredible Partner to have, and from day 1, we piggy-backed on world class security, operations and development assets.
More to come, now SIGN UP, it's FREE!
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