A unified checkout solution for seamless brick & mortar commerce. This is a hackathon submission to the Rapyd Fintech Grand Prix Hackathon.
Mobile
The mobile/ directory hosts a React Native application for the Rapyd OnePay demo. It is bootstrapped with Expo.
Test barcodes can be found in the test-barcodes/ directory.
Web (REST API)
This is a Next.js project serving as a REST API for the Rapyd OnePay mobile app. It is currently hosted on Vercel.
To run the project locally, create a .env file in the root of web/, with the following keys:
RAPYD_ACCESS_KEY, RAPYD_SECRET_KEY.
Online eCommerce is rewarding and seamless. Technologies developed by companies such as Rapyd have enabled digital checkout to be optimized for speed and customer satisfaction.
But brick & mortar shopping is a completely different story. Think back to the last time that you've waited way too long at the checkout queue, or the drawn-out delay for the next available credit card machine when paying for your restaurant bill. Compared to digital payments, in-person commerce seems antiquated and slow.
It doesn't have to be. By integrating physical experiences with digital tools, retailers & service providers have the opportunity to streamline the in-person experience. This process starts with a global payments company - one such as Rapyd.
eCommerce makes up only 20% of total retail sales, making in-person retail a large opportunity space for growing technology companies. The COVID-19 pandemic has also accelerated the adoption of digital tools. With the transition back into physical retail, this is a unique time to reimagine in-person commerce.
So instead of attempting to introduce yet another product into the ever-crowded eCommerce space. I asked - how can we reinvent physical checkout?
Rapyd OnePay is a unified and cross-platform payment solution. Users create a Rapyd OnePay account and link their preferred payment methods (including the ability to create and fund a Rapyd eWallet). They can then use the OnePay app to checkout at all participating physical locations and online stores.
Shopping In-Store?
Scan a store's QR code to begin shopping -> Scan product barcodes with your phone -> Checkout directly in app
Dining out?
Get a Rapyd QR code with the bill -> Scan the QR code within the app -> Add a tip, and pay right away
Shopping online?
Login with your OnePay account to pay directly, or scan the QR on the checkout page to send a payment instantly
Integration with Rapyd ensures that customers have a familiar payment interface regardless of which website they visit or where they travel. Rapyd's payment API's also enable automatic FX - so users can pay with any linked payment method, no matter if they're dining out on a vacation to Italy or buying groceries at their neighbourhood Trader Joe's.
Making Rapyd OnePay a reality is more than building an application on top of existing Rapyd API's. I would love to work with the Rapyd team to enable the ability for customers to access a unified & streamlined checkout experience across Rapyd merchants.
OnePay has the opportunity to grow beyond a checkout-only workflow. For example, retailers could integrate with their own rewards system, or offer exclusive discounts to Rapyd customers. There are also opportunities to augment the current in-store shopping experience, such as leveraging user data to enable in-app product recommendations.
The Expo-published project connects to a Next.js REST server deployed on Vercel. On each scanner screen, test buttons are added to simulate scanning certain barcodes - this is so that you can demo the app on an emulator (which doesn't support camera functions).