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[POLL] New Payment Option Called "Snapcash"

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Ok, I'm sure everyone has heard of Snapchat, and if you haven't it's basically an app you download, and you can send & receive pictures, but for only 1-10 seconds and once you view them for the time that the sender, has sent for, it's disappeared forever.


Full details on what Snapchat is: http://en.wikipedia.org/wiki/Snapchat


Okay, that's out of the way, Snapchat has came up with this new thing called "Snapcash"


What exactly this is, you have to be first 18 or older for it to be available on your snapchat account, and then you link your debit card, to your snapchat account note: it only accepted debit cards linked to banks, not credit cards. 


It is a VERY quick process, and it takes around 30 seconds to 1 minute to send money, and receive money.





I just tried this process out today, and this is how it went;


First, I added my debit card to my Snapchat account, to do this, go to your Snapchat settings, and find Snapcash, you can't miss it. It will only be available for users on Snapchat who are 18 or older.


Then, I found a gold seller (my friend), who sold me gold for $47. They also have to have their debit card linked, so when they receive money, it goes directly on their card as cash, because we all know debit acts as cash, and debit is linked to your bank, so the money goes right into your bank account. To send them the money, you start a chat session, which if you have snapchat, you would know how, then you simply put for my case, " $47 " no quotes of course, then instead of a yellow send button, it'll change to green, then it'll ask if you're sure you want to send money to this person, then you put yes, then it's literally done.


Note, there's no fees when using this.


Snapcash is partnered with Square, which is a professional Credit Card Processing, basically you attach Square to your phone, and someone swipes their card, and it charges them, You can find all info on that here: https://squareup.com/


Note; you don't need to do that for Snapcash, its all virtually done.


Here's a link with pictures on how SnapCash works and looks, http://techcrunch.com/2014/11/17/snapcash/





So my ultimate question is, would YOU use this? 


My reasoning behind wanting to use this is simple, it's easier, and safer than PayPal.


Firstly, It's all done through Square, so there's no charge backs. 

Secondly, it's a safe alternative than to PayPal with people charging back very easily.


All of the big known reputable gold sellers require ID for their sales, so they could simply have the buyer send them a Snapchat picture of their ID, so they can confirm who they're selling to. 


Another HUGE plus is, ALL the money goes in and out of your Bank! There's no waiting 3-5 days like PayPal to transfer funds, and all the money is going directly from your bank and out of your bank, and back in.


The only downside is the limit, and location.

"Snapcash is currently only available to Snapchat users in the United States, who are at least 18 years old and who have a Visa or Mastercard debit card. According to Snapchat, the limit on funds sent can be raised to up to $2,500 per week, and $1,000 per month for funds received."


The only ways I can think of them attempting to chargeback money, is they go to their bank and claim unauthorized, but then that's where you have their IDs saved and you will have their image, name, address, and all that good stuff incase they do claim unauthorized, you can somehow track them down and confirm they authorized the purchase, but I don't know how Square, or Snapcash handles virtual sales. But it would basically be sending money to a friend.


I think this is a very solid step to selling Gold safely, instead of the Paypal ways.


Let me know what you think?


Would you use this, Yes or No?


I'm tallying up all Yes's, compared to No's.

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What's unique about this as opposed to any other payment processor?

BTC has anonymity.

PayPal has seller options & api.

Snapcash lets you switch from smut to banking in a few taps?


Also, it's only available in the US. It wouldn't work on any international customers, which is way too limiting.

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