Integration Highlight: PayTap

This series, Integration Highlights, is a collection of entrepreneurs and projects that are using Dwolla to provide their users with new experiences, ideas and possibilities. You can find this story and others on Dwolla’s Pinterest board. Enjoy!

Do you have a kid in college who needs a little help on their bills from time to time? Or maybe you’re helping pay for the living assistance of an elderly relative, and you need to split the bill four ways amongst the family? What about chipping in for gifts from places, like Amazon? In any case, you’d like to know exactly what you are paying for, and that the person that you are trying to help is receiving the help.

No longer do you have to worry about getting the short end of the stick or being left in the dark about bills, thanks to PayTap. These guys have made it possible to easily upload bills and tactfully share them with your friends and family so that you can work as a group to get them paid off. It also lets you monitor which contributors have paid their share, and how much you are short. All the while, PayTap keeps your financial information safe, whether that be a bank account, credit card or Dwolla account.

I decided to take this as an opportunity to buy a book from Amazon for a colleague’s upcoming birthday, with Dwolla of course. Yup, you can use Amazon for group purchasing, like going in on a big wedding gift for a friend and splitting it evenly between six other friends. I want to buy Sorry Please Thank You: Stories by Charles Yu, and I find it easily through a quick search.

I choose my book, and decide to share/split the purchase with my coworker Ian. Adding him to the purchase is amazingly simple, it’s just an email address or social connection away. After I do so, I can determine how much I want him to pay.

Realizing that Ian would never give me a dime for the book, I take him off the purchase and am faced with three payment options, credit card, bank account or Dwolla. Choosing Dwolla, I move quickly through the rest of the checkout process and am faced with a PIN confirmation of my purchase after I provide my Dwolla login.

Soon enough, I get an email that I’ve completed my purchase and it looks a little something like this in my PayTap account.

Pretty slick, huh?

And we aren’t the only ones that think PayTap is doing pretty cool stuff, they recently presented at TCDisrupt and were selected as one of the eight Best of Show winners at FinovateFall, out of 64 companies that presented.

  • Patrick

    Can you please explain why your total on PayTap was $22.39 but the cost of the item on Amazon was $21.14?

    • http://twitter.com/social_sarah Sarah Magee

      Hey @cc69a8e6499e5a357ba58ad9fe15570c:disqus , the extra $1.25 is service fees.

  • Veekhr

    My guess is the 25 cents for Dwolla plus 1 dollar for Paytap

    • http://twitter.com/CaityLJones Caitlin Jones

      Correct, thanks Veekhr.

  • DCR

    Thanks for showing how to use Dwolla on Amazon. Just a quibble, but the message in the final PayTap account screen has an error. It should say, “…will be removed five days after its due date.” There’s no apostrophe in the possessive “its.” It looks like an error in PayTap, not your error.

    • http://www.facebook.com/SooperSooze Suzanne Melton

      I second DCR’s correction.

      – Retired technical writer/editor

      • toma

        I third it.

    • http://twitter.com/social_sarah Sarah Magee

      Thanks for pointing this out and it is being update as I type! :)

      • Brian H

        “updated” is the past participle of “update”.

        Do you reread before you post? I suggest doing it aloud.

      • CaityJones

        Thanks for being so awesome, Sarah.

  • bdarlin

    Not sure I understand the value. Please help me understand. In this example it looks like the purchaser paid an extra 5.9% in order to facilitate a 2nd payment source at the point of purchase? At the same time the cost of the transaction for the merchant to receive their money shifted to the consumer? Does the econimic value for the consumer improve with larger transaction sizes? Am I missing something?

    • http://twitter.com/social_sarah Sarah Magee

      @16d78398132c17bdd76cc1fe2e788cc3:disqus Hey! My name is Sarah and I am the marketing director for PayTap. I think someone answered you below, but just in case I wanted to reply. The 5.9% you are seeing is a service charge of $1 from PayTap and .25 for Dwolla. Let me know if we can answer any more questions!

  • John from AK

    Trying to understand – it would appear that a third party actually made the Amazon purchase? not directly interfaced into Amazon? Correct??

    • http://twitter.com/CaityLJones Caitlin Jones

      Yes, through PayTap only did we make the purchase on Amazon.

  • jth

    Is there any reason Dwolla is not responding to the questions posted here? The blog post is quite the sales pitch and then the crickets chirp ones some real questions come back. hmmmm…

    • http://twitter.com/CaityLJones Caitlin Jones

      Sorry jth – wasn’t getting the notifications on the post as I had in the past, fixed and righting this wrong! If you have any questions, feel free to ask, I promise to answer as best as I can.

  • https://www.cardauthorizer.com/merchants-services.html Merchant Services

    The blog post is quite the sales pitch and then the crickets chirp ones some real questions come back. hmmmm…

    • CaityJones

      I’d be happy to answer any questions that you may have!