Are smartphones sufficiently secure for payment transactions?

Swiff meets international banking and payment transaction standards. The Swiff reader is PCI compliant and encrypts all data before sending it to our PCI compliant gateway. No useful data is stored on the phone or on the card reader. The only data stored in the history tab is the data that is sent back by the gateway. This data cannot be used as it is masked. The history data can be disabled for maximum security purpose.

In addition, Swiff provides an addition layer of security with its 2-Factor authentication (2FA) which delivers a higher level of authentication assurance to the user. Through a signing-on process, with a (Personal Identification Number) PIN and Password, we are able to establish an identity and indication of any possible fraudulent use of credit card transaction.

What happens if my mobile phone and card reader are stolen?

If your mobile phone and card reader are stolen, no one will be able to access your credit card details as Swiff does not capture the credit card details. All your transaction data is safely and securely stored on the payment gateway. The history tab in the Swiff app gives a secure snapshot of past transactions, but no data can be used.

What is Swiff?

Swiff is a mobile payment solution that takes mobile payments to the next level of convenience and security. Businesses will be able to quickly, effectively accept electronic payments securely on the move from their mobile phones.

Who needs Swiff?

Swiff is ideal for businesses moving towards paperless environment, with a mobile sales force, or with high credit card transactions.
Eg.
A contractor who wants to be able to accept credit cards in his customers' place.
A taxi driver who wants to get customers in and out faster while reducing the clutter of paper receipts.
A food or tow truck service that requires payment processing on the move.
A restauranteur who wants a more personalised payment experience.
An insurance agent who wants to accept electronic payments from his customer.

How do I register for Swiff?

Once your registration is received, an Account Manager will contact you for an appointment, and for other information to process the application form required by the bank with details such as business registration number, bank account number and contact.

How does Swiff work?

Swiff works in 3 Easy Steps.
1. Registration. To open an account, merchants can go to www.swiffpay.com.
2. Download. The Swiff application can be found in App Store or Android Market.
3. Sign In. To activate the device, key in the activation code which will be generated and sent to you via email.

Now you are ready to accept credit card payments.

Which are the credit cards are accepted?

Visa and MasterCard. American Express is accepted depending on the countries as well as Diners and JCB.

How do I view all previous transactions made?

Sign in to your account and you will be able to retrieve all transaction data.

How much does it cost to use Swiff?

For Transaction charges, rates will vary depending on the bank, country of operation and the nature of your business. A One-time setup fee and Annual fee charges may or may not apply depending on the discretion of the bank. For a free assessment, allow us to submit your application on your behalf to the bank.

What are the benefits of using Swiff?

Businesses will be able to experience 1. an improved customer service due to the flexibility of accepting payments via credit cards anytime, anywhere. 2. faster transactions and shorter customer waiting time 3. an increase in customer service resulting in better loyalty.

What are the countries where you can use Swiff?

Currently, Swiff is available in Singapore and Malaysia. Europe, the USA, Canada and South America will be launched soon.

Why do I need a PIN?

Swiff provides a PIN to ensure that only the Administrator of the Swiff app is allowed to change the MID. This prevents fraud and mis-use of the app.

My card reader does not synchronize

To synchronize the card reader with your mobile device with my iPhone/iPad/iPod touch

1. Turn off the volume limit in your settings:
    - Settings -> iPod -> Volume Limit Off or;
    - Settings -> Music -> Volume Limit Off
2. Plug in your device and set the sound volume to maximum

My card reader does not work

Ensure your reader synchronises with the mobile device before use. If the reader does not synchronise, please check that all sound settings (as detailed in the reader synchronisation section).

Before you swipe a credit card, tap the 'Swipe' icon and try again. Ensure that the sound settings of your mobile device is set to maximum volume. If the problem persists, re-install the app.

My authentication does not work

Your authentication is based on your personal PIN, ensure that your PIN is correct and that you use your device as activated with your activation code.

If the authentication does not work after an automatic upgrade, uninstall the app from your smartphone or tablet as well as from your iTunes if you use Apple devices. Then re-install the app and re-activate it using a new activation code provided by your administrator.

Are smartphones sufficiently secure for payment transactions?

Swiff meets international banking and payment transaction standards. The Swiff reader is PCI compliant and encrypts all data before sending it to our PCI compliant gateway. No useful data is stored on the phone or on the card reader. The only data stored in the history tab is the data that is sent back by the gateway. This data cannot be used as it is masked. The history data can be disabled for maximum security purpose.

In addition, Swiff provides an addition layer of security with its 2-Factor authentication (2FA) which delivers a higher level of authentication assurance to the user. Through a signing-on process, with a (Personal Identification Number) PIN and Password, we are able to establish an identity and indication of any possible fraudulent use of credit card transaction.

What happens if my mobile phone and card reader are stolen?

If your mobile phone and card reader are stolen, no one will be able to access your credit card details as Swiff does not capture the credit card details. All your transaction data is safely and securely stored on the payment gateway. The history tab in the Swiff app gives a secure snapshot of past transactions, but no data can be used.