Worldpay has launched the first UK technology app that enables micro-businesses to take physical card payments using smartphones without any additional hardware.

My Business Mobile will enable businesses to download an app and accept face-to-face contactless card transactions on their smartphone. The app will also accept payments via Apple Pay and Android Pay. Although some mobile device payment solutions do exist that allow card payments, they still need a piece of hardware to make the payment – usually for the shopper to enter their PIN.

The app can be simply downloaded onto a smartphone to accept contactless card payments anywhere, any time of up to £30.

Nick Telford-Reed, director of technology innovation at Worldpay, commented: “By taking hardware out of the equation, we are really bringing payments into the future. This revolutionary new technology app has the potential to enable micro-businesses to benefit from taking card payments without the need for dedicated hardware.

“We all carry a phone in our pocket, and now these sole traders and small businesses can use that same phone to take payments. They need never miss a sale.”

London-based coffee business Feijoa Tree Coffee is the first to use the app as part of a six month long pilot which Worldpay will use to assess a possible larger scale roll-out at a later date.

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