Hook, line and Snapper

Many moons ago I remember discussing the need for online micropayments with some smart web guys. They saw it (along with better bandwidth) as the chasm that would make the difference for successful ecommerce to really explode into the mainstream. This was the mid nineties, so we didn’t really talk about user experience then but inside the micropayment discussion really sits the need for an efficient user experience. If your process of micropayments makes things easier for people, they’ll adopt it.

iTunes is a classic example of this in action. So too is the Snapper card. The later is an interesting example and one that would solve one of my nagging issues with charity street appeals.

The issue I have with street appeals is I never have any cash on me. On Daffodil Day last week I was able to pull together a measly $0.50 from my pocket that didn’t really warrant me being offered a flower to wear.

Of course I could have walked around the corner and got some money out from an ATM and given the collector some cash, but if I’m honest, I probably wouldn’t be donating $10 or $20 and to change that would have meant another trip to the dairy. All up the process was just too hard. So I didn’t give the charity anything more than a single coin.

Now if this micropayment experience between the collector and I could be simplified, that would help. Here’s where I think the Snapper card could help.

If Snapper were able to arm each collector with a simple scanning device I’d have a simple way of giving collectors a self-nominated amount like $2 or $3 with a quick swipe of my Snapper card. There it is. Payment process complete. No nonsense.

I’d also have an online record of my donations that could be recorded for tax purposes. Perhaps something that could be quickly loaded into Xero or MYOB if I’m a business.

If this were possible, I would use it. And I think others would too.

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