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thijsniks's profile
Thijs Niks
Thijs Niks
Thijs Niks
@thijsniks

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Thijs Niks

@thijsniks

Product Manager for ☎️ at @WhatsApp / ❤️ retweets

San Francisco, CA
thijs.niks.nu
Joined February 2009

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    Two-way (sending and receiving) short codes:

    Country Code For customers of
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    United Kingdom 86444 Vodafone, Orange, 3, O2
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    1. Max Sumrall‏ @MaxSumrall 5 Nov 2020

      Max Sumrall Retweeted Michiel Muller

      Super excited to have this now! Working on the payments team @picnic is so awesome when you get to launch an entirely new payment method!https://twitter.com/mgmuller/status/1324236531389861891 …

      Max Sumrall added,

      Michiel Muller @mgmuller
      Websuper ⁦@picnic⁩ start een eigen betaaldienst. Met #PicnicPay kunnen klanten gemakkelijker betalen en hun betaalpas opslaan in de app. Vervolgens kunnen zij in één klik hun boodschappen afrekenen en wordt bijv. statiegeld meteen verrekend. https://fd.nl/ondernemen/1363418/websuper-picnic-komt-met-eigen-betaaldienst …
      3 replies 1 retweet 9 likes
      Show this thread
    2. Thijs Niks‏ @thijsniks 5 Nov 2020
      Replying to @MaxSumrall

      Say more! How does it work?

      1 reply 0 retweets 1 like
    3. Max Sumrall‏ @MaxSumrall 5 Nov 2020
      Replying to @thijsniks

      Picnic redirects users to their bank, where you can provision a digital card that is "exclusive" to picnic. We then get a temp token, exchange it with MC for a network token, and from then on can do payments without users needing to do anything (like normal card payments).

      1 reply 0 retweets 1 like
    4. Max Sumrall‏ @MaxSumrall 5 Nov 2020
      Replying to @MaxSumrall @thijsniks

      Once you have the token, it's like normal card payments using a MC network token. Interesting bit is the enrollment and card provisioning flow, which is new since, as you know, Maestro is king in the Netherlands. Requires bank support since there is no PAN on the card.

      1 reply 0 retweets 1 like
    5. Max Sumrall‏ @MaxSumrall 5 Nov 2020
      Replying to @MaxSumrall @thijsniks

      It's way more secure than typical card payments though. We never have any secure data. If anything is hacked at the PSP, you only gain a token that's useless unless used by Picnic.

      2 replies 0 retweets 1 like
    6. Max Sumrall‏ @MaxSumrall 5 Nov 2020
      Replying to @MaxSumrall @thijsniks

      So tl;dr Maestro cards are coming online 😃 cc @ow who loves Maestro and must be missing it 😜

      3 replies 0 retweets 0 likes
      Thijs Niks‏ @thijsniks 5 Nov 2020
      Replying to @MaxSumrall @ow

      Very cool! How does 2FA work for transactions?

      8:01 AM - 5 Nov 2020
      2 replies 0 retweets 0 likes
        1. Max Sumrall‏ @MaxSumrall 5 Nov 2020
          Replying to @thijsniks @ow

          Banks _can_ challenge and require the customers to open the app to approve (similar to 3DS).

          0 replies 0 retweets 1 like
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        1. New conversation
        2. Jelmer Borst‏ @japborst 5 Nov 2020
          Replying to @thijsniks @MaxSumrall @ow

          There's an optional authentication (redirect) step, raised by the bank. As we have highly frequent customers, that won't be often.

          1 reply 0 retweets 1 like
        3. Thijs Niks‏ @thijsniks 5 Nov 2020
          Replying to @japborst @MaxSumrall @ow

          Interesting! I assume the setup process also whitelists you as a merchant, so you are mostly exempt from the SCA thresholds?pic.twitter.com/RrXmC0IEak

          0 replies 0 retweets 0 likes
        4. End of conversation

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