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junction with mobile payments. One example is in paying different commis- sion percentages based on the consum- er's payment method. "Two-tier pricing can and should affect how much opera- tors are paying in commissions," said Agrawal. "Seed Cashless lets them set X percent for cash transactions and Y per- cent for cashless transactions, which includes mobile payments." Mike Gron of PayLab believes vending machine additions, includ- ing those that allow mobile pay- ments, should be built with more 24 Automatic Merchandiser VendingMarketWatch.com December 2014 M O B I L E P A Y M E N T POS Interaction Communication Method Acceptance Product Company Reader/ Touch- screen QR Code Dongle NFC BLE Other Major Credit Cards PayPal Google Wallet Softcard Apple Pay QR code/ MDBlu BYNDL x x x x x PayLab PayLab x cameras & infrared w/ phone accelerometer x x x x PayRange PayRange x x x x ePort USA Tech x x x x x x x x 4in1 CPI x x x x x x VPOS NAYAX x x x x x AV7/AV5 AirVend x x x x x x x Vend- Screen Unit Vendscreen x x x x x x x Seed Cashless Cantaloupe x x x x x x FanWise FanWise x cellular data/ WiFi Mobile payment options for vending machines are here, but how do they enable pay- ment, what's needed and what benefts do they offer the operator? This matrix is meant to provide the answers at-a-glance. Information was gathered from manufacturers for each of the existing solutions that enable a consumer to pay at a vending machine with a mobile device. Information was further reviewed by Dr. Michael Kasavana. QUICK RESPONSE CODE A Quick Response (QR) code is located on the front of the machine. CONSUMER REQUIREMENTS Consumer requirements refer to a mobile app download needed for the user to make a pay- ment. Generally the app is accompanied by the user creating an account, either manually or with an existing account. This does not include third-party mobile wallet installation. POS INTERACTION Point-of-sale interaction implies the type of hardware or item that is required at machine level. For our purposes, readers and touchscreens are categorized as appearing on the outside of the machine while a dongle connects on the inside of the machine to enable mobile payment. ACCEPTANCE Acceptance includes all current mobile payment options available in the vending industry. Major credit cards include Visa debit and credit, MasterCard debit and credit, Discover and American Express. While most solutions ac- cept all major credit cards, the payment options may be limited by the credit processor used as well as by the specifc mobile wallet or cellular carrier the consumer chooses. For example, MasterCard debit can not be used on de- vices with the credit processor Heartland due to an operating agreement with Visa which lowers transaction fees on small-ticket items. Mobile Matrix COMMUNICATION METHOD Communication method refers to the way in which the user's device connects to the vending machine.