Published: Tue, December 05, 2017
IT | By Lester Massey

Target launches in-app mobile payments system

Target launches in-app mobile payments system

With Wallet in the Target app, customers are able to pay using their Target REDcard, and combine it with savings from Target's Cartwheel offers and weekly ad coupons, through their smartphones.

While Apple, Google, and even Samsung have been trying to use their industry clout in order to push their own mobile payment systems towards retailers, stores, and consumers, some companies are just too big to budge. The timing of the launch, in the middle of the holiday season, couldn't be better - well, unless you're already done with your gift shopping.


According to Target, Wallet enables shoppers to checkout four times faster than "other payment types", a nice kick to the shin to traditional payment methods like chip-and-PIN cards. Eventually, customers will be able to store and redeem their Target GiftCards with Wallet also.

Target's mobile wallet follows the launch of digital wallets by several other retailers, notably Walmart, which has been focusing more on its digital presence as it looks to compete with online e-commerce company Amazon. Naturally, it neglects to mention that Apple Pay and Android Pay would be faster still as they remove the extra step of having to open an app. Then again, it helps that Wallet only supports the retailer's own REDcard for the time being - the retailer saves on processing fees by pushing its own card. CVS and Starbucks offer similar mobile payment mechanisms. "NFC simply pops up and works if the phone is near a terminal". To use Wallet for in-store payment, you must be a Red Card holder - whether it be the debit or credit version - and download the Target app from the App Store. Users can apply Cartwheel deals to their purchase and check out with a single scan of the in-app barcode.

Like this: