CASH® is best for merchants - it's your transaction data. Scan Terminal 200 by CASH® Visa PayPal
Gift & Loyalty Card Pays Instant* to 1 day. lowest cost 1 to 2 days, fess equal or exceed credit cards 2 to 7 days, fees exceed credit cards
Process & scan Apple Passbook passes? // comments / app names Yes // more than 20 merchant content types /iCard, Apple Passbook, Android PassWallet etc. No // No Passbook Pass Pays available; Gift Cards discontinued / Square Wallet No // No Passbook Pass Pays available; Loyalty cards; Gift Cards dis-continued / PayPal
Your direct-to-user offers Yes, more than 20 types 2 4, complex
Cost 18 of above 20 Free All have fees Several fees each
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Merchants equity owners? Yes Some Not really
Worldwide Mostly Yes Mostly
1 cent economic Yes* No No
Currencies Yes Yes Yes
Users Served 2 Billion Worldwide Most of World
CFPB, IMF, World Bank, Federal Reserve Reporting Yes Some No
*If Sender balance sufficient    |    Click and hold to drag this window

Site Compare Table

  CASH Platform Square GoPayment Google Wallet Starbucks Mobile Card PayPal clearXchange Isis Chase Apple Apple Passbook Future Apple Passbook with CC/DC, iTunes acct. functions WP 8 NFC Wallet JPMorgan Chase GoPago Green Dot Gold NetSpend Prepaid MasterCard – Fee Advantage NetSpend Prepaid MasterCard – Pay-as-You-Go MoneyGram Capital One SVC Young Money Discover Card Suze Orman Card Western Union Mastercard Walmart Card
  Shop, Save, Share(tm)  
Feature & Scope                                              
World system Yes NoUSA only No             No No Yes   No                  
World platform, world mobile and website pay system SKD Yes No                 No Yes No                      
World & USA-bound Member Merchant recognition Yes No"/                 Yes Yes                      
3rd party developer world app business example YesGGo social ride-share No"/                                          
Full-dollar text donations Yes                   No"/ No"/                      
App, system, and or platform Apps, system, and platform 2 apps App, system Apps, SVC App, SVC App, system App App App App, system App, system App, system system App system system system system system system unknown system system
Non-profit structure - transparent - socially accountable Yes No               No No No                      
Eliminates high cost middlemen Yes No               No No No                      
Promotes financial responsibility & understanding Yes                   Partial Partial                      
Association of best merchants, Member Merchants are Shareholders Yes No               No No No                      
Builds direct merchant-consumer relationships Yes ?               No No No                      
Delivers new customers to Member Merchants / audit trail Yes ?                 Yes No Yes No                      
Merchant-branded stored value cards Yes No                 No No                      
Merchant-branded loyalty cards Yes Partial                 Yes Yes                      
Users share CASH balance, coupons, deals, offers with friends worldwide Yes No                 No No                      
Buying on credit at high cost is required to buy or pay No Yes Yes Yes No No Yes No   No Yes No Yes                      
Buy with your own money at very low or no cost Yes No     Yes           No No                      
Requires payment via credit and debit cards No Yes     No           No Yes                      
Supports credit and debit cards as an added convenence only Yes No No Yes Yes No         No No                      
Overnight conversion of CASH balance to physical gold Yes No                 No No                      
Overnight conversion of CASH balance to U.S. Treasurys Yes No                 No No                      
SuperAccounts for family, employees Yes No               Partial No Yes                      
Apple-China centric Asia roadmap Yes No                 Yes Yes                      
Specification, development start /first public demonstration 2008/2009 2010                 2012 2014?                      
Photos, notes, warranties in transaction record Yes No                                          
Automated Yes Partial               Yes Yes Yes                      
Deployment English speaking world USA only               Extensive Unclear World   San Francisco, Las Vegas, NYC only                  
Languages                     Limited Most All                      
- Mobile apps English, Spanish English only               Many                          
- Mobile apps, Fall 2012 Mandarin, Hindi, Spanish, B. Portugese, French, Polish, Bulgarian, Greek English only                                          
- Web site English, Spanish English only               Many                          
Use Restrictions None this comparison     Requires NFC + Android + Sprint + MasterCard Starbucks locations only                                    
Limitations Few this comparison USA only                                          
TextPay text message pays, and donations Yes No No No No No Yes No Yes No No No                      
9 Pay technologies means easiest to use & widest acceptance: NFC, QR scan, Swipe, CC /DC keypad, TextPay - SM$, Web site PayButton, NFC bump, Acceleraometer bump, Multi-geolocation Yes9 2                 No No                      
Bluetooth 4.0 Pay technology used No No                   Highly likely                      
1-Step Pay Yes One               No No Likely                      
SayName(tm) Pay Yes Yes No             No No No                      
Micro-payments to 1 cent Yes No               No No No                      
NFC bump pays Yes No   Yes           No No Likely                      
NFC bump transfers Yes No   No           No No No                      
Bump share Yes No               Yes No No                      
Stored Value cards Yes No   Yes Yes         Yes No Unknown                      
CASH balance payments Yes No               No No No                      
Add & load CASH balance at stores Yes No               No No No                      
Credit cards Yes2.69% flat Yes2.75% flat Yes Yes No Yes2.70%       Yes No Yes   Yes                  
Debit cards Yes Yes               Yes No Yes   Yes                  
Pay via bank account, where permitted Yes No Yes No No Yes       No No No                      
Loyalty and reward cards Yes Yes                 Yes Yes                      
Coupons, offers, deals, promotions, gifts, tickets, transit passes Yes No                 Some Yes                      
Merchant open account payments and pre-payments supported Yes No                 No No                      
CASH balance FDIC insured and displayed in-app Yes No               NA No No                      
Own physical gold Yes No               No No No                      
SEC, CFPB, public filings system transparency Yes Some               Yes No No                      
Stored Value Card costs, 3Q12: iCard, CASH balance card Not offered Not offered Changing Mobile Card Not offered Not offered Prepaid Bank card only Unknown Unknown No Not offered   Not offered                  
- SVC activation fee 0 Not offered                         0 $0 $0 4.95 $0 6.95 $3.00 $0 $0 or $3.00
- SVC monthly fee 0 Not offered                         $0 or $5.95 $5 or $9.95 $0 3.95 $0 or $4.95 3.95 $3.00 $0 $3.00
- SVC and pre-paid, gift, loyalty card automated Xchange Yes No                                          
- SVC ATM /ATMerchant cash withdrawal fee 0 to 2.69% Not offered                         $0 or $2.50 $2.50 $2.50 $2.00 $0 or $1.95 $2.00 $0 or $2.00 1.95 2
- SVC reload fee $0 at merchants or via bank account, debit card Not offered                         $0 or up to $4.95 $0 or up to $3.95 $0 or up to $3.95 $0, $1.00 or $3.95 $0 or $4.50 $0 or up to $4.95 $0 $0, $1.00 or $4.95 $0 or up to $4.95
- SVC customer service fee 0 Not offered                         0 $0 or $0.50 $0 or $0.50 $0, $0.50 or $2.00 0 0 $0 or $2.00 0 0
- SVC cancellation or inactivity fee 0 Not offered                         0 $0 0 15.95 0 0 0 2.95 0
- SVC direct deposit from bank account Yes Not offered                         Yes Yes Yes Yes Yes Yes Yes Yes Yes
- SVC non-USA fee None Not offered                         0.03     $1.00 and $4.95+ 0.01 $3.00 $1.00+ or $2.00+   0.02
- SVC lost or stolen 0 Not offered                         4.95 up to $9.95 up to $9.95     5.95   $5.00 $3.00
- SVC balance inquiry, in-app or at site 0 Not offered                         $0.50 $0.50 $0.50 $1.00          
- SVC maximum balance                             $2,500 or $10,000 $15,000 $15,000 $10,000 $7,500 $5,000 $9,000 $10,000 $7,500
- SVC comments Reloadable; Know Your Customer compliant                           Best Card for Alternative Checking Account Worst Card For Child’s Allowance         Best Card For Child’s Allowance    
Security & Privacy                                              
Credit & debit card numbers stored in-app (high risk) No No               No Not applicable No                      
Personal data or PIN stored in-app (not secure) No No               No No No                      
Super-accounts and super-balance-authority Yes No No No No No No No No Partial No Yes                      
GeoSync(tm) absolute store /geo-location surety   No                 No No                      
Tri-authentication - device PIN, PIN, Password                     No Yes                      
Merchant iToken                     No No                      
Random, changing codes Yes No                 No Yes                      
Substantial reported security breaches No Yes   Yes No Yes       No No No                      
You have complete Contacts control (your address book) Yes No               Yes No No                      
Remote lock                     No Yes                      
Remote wipe for lost or stolen phones and tablets Yes ?               Yes Yes Yes                      
Merchant knows you Yes ?                   No No                    
User photo with transaction Yes Yes               Yes No No                      
Encrypted NFC Yes No               No No Yes                      
Encrypted credit /debit card swipe Yes Yes               Yes No Yes                      
Security check /algorithms all transactions Yes Unknown               Yes No Yes                      
Redundant location, real time, double entry accounting system Yes Unknown               Unknown No Unknown                      
[list all EC2 stuff] Yes                   No Unknown                      
Your email address sold or merged with other web sites No Yes                 No No                      
Your cell number sold No Yes                 No No                      
Your personal transaction history sold No Yes                 Unknown Partially                      
Your profile sold No Yes                 Unknown Partially                      
Your last 100 or so locations tracked (Apple, Isis, carriers) No                 Yes Yes Yes                      
An association of quality merchants /retailers, and consumer users Yes No               No No No                      
Not for profit American corporation Yes No               No No No                      
Responsible people known & public Yes Yes               No Yes Yes                      
For consumer Users (Card and CASH apps), other features                                              
Zero cost, no hidden fees, transparent, fully automated operation Yes No               Yes Yes No                      
Outstanding merchant and retailer coupons, offers and discounts Yes no No Yes No No No Yes No   Future ? Yes                      
Daily BIGdeal coupons better than Groupon and LivingSocial Yes No                 Yes Yes                      
Positive, frequent credit reporting service reports Yespositive No No Maybe Maybe Neagtive No No No   No No                      
Pay by CASH balance; or credit card, debit card, bank account Yes No               CC/DC only No Partial                      
Easy Parent-Child, Employer-Employee super-control Yes No               Partial No Partial                      
SuperAccounts, and social balances promote and teach financial responsibility Yes No               Partial No Partial                      
Donations, outstanding Our Children program or similar Yes No               No No No                      
Unmatched daily BIGdeals and offers directly from your favorite merchants to you Yes No                 No Partial                      
Join your favorite local merchants in minutes (See Member Users) Yes No               No No No                      
User to User CASH balance transfers, no fees Yes No               No No No                      
Add photos and notes to pay/purchase transactions Yes no                 No No                      
Record warranties and guarantees Yes no                 No No                      
Add photos to transfer to other Users Yes no                 No No                      
Pay-in-advance for resturants No No                 No No   Yes                  
Own physical gold Yes No               No No No                      
For Member Users (CASH network development)                                              
Online and classroom training for our merchant JoinNow program Yes Unknown               No No No                      
LiveCenter live merchant technical support Yes No               No No No                      
Earn money, meet new people, be active Yes No               No No No                      
For Member Merchants, Retailers and Stores                                              
Accept Stored Value Card and iCard payments Yes No No               No Not offered                      
Accept Credit Card and Debit Card payments Yes Yes Yes               No Yes   Yes                  
In-store notification of User customer with photo & ID Yes Yes No               No Likely                      
Available POS, inventory catalog & SKU functions Terminal R1.1 $19.99 >>> Sq Yes No No NA No No No No unknown No No                      
SVC total cost 1/2% 60d, 1% 14d, 2% 2 day Withdrawal Yes Not offered Not offered               No Not offered                      
Micro-payments down to 1 cent are economic Yes No         Yes Yes Yes No No No                      
Flat rate for traditional credit card /debit card swipe 0.0269 0.0275               Yes No Likely                      
Flat rate for NFC credit card /debit card /SVC balance pays 2.69 /2.69 / 0 % Not offered Not offered               No Likely                      
200 pre-approved national, major merchant /retail chains Yes No No               Very few Partial only                      
One share CASH System stock (equity) 2013, JOBS Act of 2012; stock purchase rights Yes No                 No No                      
Keypad credit card /debit card entry Yes Yes                 No Yes                      
Accept text message payments Yes No               No No No                      
See your CASH balance increase instantly, zero risk Yes No               No No No                      
Your coupons and offers printed on receipts Yes                                            
OpenTab for credit and debit cards Yes Yes No               No Likely                      
OpenTab for stored value card (SVC) Yes No No               No No                        
TabOut feature protects against CC/DC "walkouts" Yes No No               Not applicable No                        
Member Merchant branded apps & web site pages Yes No                 No No                        
Designed by merchants, sellers and retailers for consumers, merchants and retailers Yes No               No No No                        
Advanced, patents pending system; accelerated new merchant features implementation No               Yes No No Unlikely                      
GGo transit /ride-share `integration drives new customers to you daily Yes No                 No No                      
Daily BIGdeal coupons without giving half or more to Groupon or LivingSocial Yes No               No Yes Yes                      
Upload your 4 color newspaper insert ads, distribute to millions, for free! Yes No               No No No                      
Coupons of many familiar types Yes No                 No No                      
GPSdeals to customers near and in your store Yes No               Yes No Likely                      
ATMerchants' 24-7 LiveCenter support Yes No                 No No                      
QuickBooks, TurboTax, and Intuit integration Yes No Yes             No No No                      
Customer photo & multiple IDs transaction store option Yes Yes               Yes No No                      
Uses Free CASH encrypted swipe reader Yes No               Yes No No                      
Also uses Square and Intuit swipe readers Yes --               No No No                      
Compatible swipe devices 6 1 1 0 0 2 0 0 0 0 0 0 0 1 NA NA NA NA NA NA NA NA NA
Accept NFC payments Yes No               No No Likely                      
iPad, Kindle Fire, Android tablet, iPhone, Android phone Terminal Yes Yes               No No No                      
General NFC support Yes No               No No No                      
Same-day hardware fulfilment world-wide Yes No               No Not applicable No                      
Same-day hardware fulfilment world-wide Yes No               No Not applicable No                      
QR scan transactions Yes No No               Yes Yes                      
QR scan User /customer ID, encrypted Yes No                 No No                      
Own physical gold Yes No               No No No                      
Available CPA Financial Statements & Reports Yes No               No No No                      
Available local online promotions Yes No               No No Unknown                      
Available local sale & new product promotions Yes No               Yes No No                      
Available local text message & email promotions Yes No               No No No                      
Total Features above - 120                                              
Total Feature count 119 up to 23                                          
eTrust
Electronic Commerce
Wells Fargo J.P.Morgan BBVA Compass GPS deals