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词条 IZettle
释义

  1. History

  2. Products and services

     Payments  Point of sale  Small business loans  Partner applications 

  3. Security

  4. Markets

  5. Funding and value

  6. References

  7. External links

{{COI|date=March 2018}}{{lowercase title}}{{Infobox company
| name = iZettle AB
| logo = iZettle Logo.svg
| type = Aktiebolag
| industry = Financial technology
| founded = {{Start date and age|2010|04}} in Stockholm, Sweden
| founders = Jacob de Geer
Magnus Nilsson
| location_city = Stockholm
| location_country = Sweden
| area_served =
| key_people =
| products =
| owner =
| num_employees =
| parent = PayPal
| website = {{URL|https://www.izettle.com}}
}}iZettle AB is a Swedish financial technology company founded by Jacob de Geer and Magnus Nilsson in April 2010.[1][1] The company launched its first app and service in 2011.[2] The company offers a range of financial products including payments, point of sales, funding and partners applications.[4][5]

The service is currently available in Sweden, Finland, Denmark, Norway, United Kingdom, Germany, France, Spain, Italy, the Netherlands, Mexico and Brazil.[6][3][4][5]

The company was the first to develop chip-card reader and app for smartphone-based mobile commerce which meets international security requirements.[10]

History

Jacob de Geer and Magnus Nilsson founded iZettle in April 2010 and launched its first app and chip card reader in 2011.[6][7] The name “iZettle” derives from the expression “settling a debt.” The founders wanted a name that described what the company would do. They decided on a stylized combination of the words “I” and “Settle.” [8]

iZettle is de Geer's fourth start-up.[6] He was the first employee of TradeDoubler in 1999 and Ameibo and Tre Kronor Media in 2007.[9]

iZettle launched its mobile app for iOS in Sweden in August 2011 to meet the local demands of a market dominated by smart card technology.[10] The app worked initially with a Chip & Signature Card Reader.[9][11] The company launched the full version of the service in Sweden later that year.[11] Soon after launching, iZettle was listed as one of Tech Europe's Pick of Stockholm Start-ups.[12] The iZettle mobile app for Android was released in August 2012.[13]

iZettle entered a partnership with Banco Santander in February 2013, the Eurozone's largest bank by market capitalization, who would invest more than €5M in iZettle in June 2013, giving the company access to Santander's customers in the UK, Spain, Mexico and Brazil.

Visa signed iZettle to its Visa Ready Program in June 2013, giving the startup access to tools for further developing mag stripe and mobile acceptance systems.[14] iZettle's solution achieved a MasterCard Best Practices certification in February 2013.[15] In September 2017, iZettle raised $36 million funding from the European Investment Bank.[16]

On May 17, 2018, it was reported that PayPal would be buying iZettle for $2.2 billion.[17]

Products and services

iZettle offers financial and other services to meet the needs of small businesses within the following four core areas.

Payments

iZettle offers a card acceptance service which enables small businesses to take credit and debit card payments.[18][19][20][21] In 2013, iZettle upgraded its system to include a Chip and PIN device alongside its previous model, allowing it to accept all major credit cards, including MasterCard, American Express, and Visa.[22] In February 2015, iZettle introduced Lite Reader, a new card reader which was offered to merchants free of charge. It was used by plugging it into the audio jack of iPhone, iPad or Android devices.[23][24] In June 2016, iZettle launched a new card terminal. Just as its previous siblings the iZettle reader connects through Bluetooth and integrates both Chip and PIN and contactless payments.[25] The new card reader replaced all previous card readers in Europe and iZettle was the first mobile payments company to accept contactless payments in the UK.[26] This card reader also accepts all major cards including MasterCard, Visa and American Express.

Point of sale

iZettle offers a software solution, the iZettle app, to record, manage and analyze sales. The first version of the iZettle app was launched in 2011 but then only supported iOS. Since 2012 the iZettle app is also available for Android. With iZettle's app merchants can analyze credit card transactions and relay detailed information, i.e. top selling products and average payment volume.[27] In September 2016, iZettle acquired Intelligentpos to expand from mobile payments to broaden their suite of products within commerce solutions, and in particular within the hospitality sector. Intelligentpos, similar to iZettle, offers a cloud-based software solution that helps with inventory, loyalty programs and customer flow.[25]

Small business loans

In 2015 iZettle launched iZettle Advance, a small business financing service built upon the transaction data gathered at the point of sale. The offer is based on the user's sales history with iZettle. Repayment is tied to sales. The service is available in Europe.[28]

Partner applications

iZettle also offers access to third party applications such as accounting software. iZettle launched its first software development kit (SDK) in January 2014. The SDK provides developers with the ability to add payment services to iZettle's mobile apps. It can be used in any of the countries iZettle is currently live in, allowing for users to take payments via the app from iZettle's Chip and PIN reader, and return relevant information to the software to generate receipts.[29]

Security

With the system, credit card information is not stored on the phone, but is processed through iZettle's encrypted connection. The phone operates as a secure modem.[30][31] After a transaction is completed, buyers can choose to have a receipt and photograph of what they purchased e-mailed or texted to them, or printed out for them.[32] The iZettle service meets all European card industry security requirements, is EMV approved and complies with the Payment Card Industry Data Security Standard, PCI DSS.[33] iZettle applications and services are compatible with Swedish FSA regulations.[34]

Markets

iZettle serves small businesses in 12 countries including Scandinavia, parts of Europe, the United Kingdom, Mexico and Brazil.[35][36][5][37][38][39]

The iZettle service was first launched in Sweden in 2011, followed by Denmark, Finland and Norway. In 2012, the company expanded into the United Kingdom, Germany, and Spain.[40] The company launched its service in Mexico in June 2013 and in Brazil in August 2013, marking the first time the company has operated outside of Europe.[35][5] iZettle later launched its service in the Netherlands, France and Italy.[41][42]

iZettle is based in their headquarters in Stockholm, Sweden, but also have offices in Germany, United Kingdom, Brazil and Mexico.

Funding and value

iZettle have had 5 rounds of Funding:[43] Series A, Series B, Series Undisclosed, Series C, and Series D.

In October 2011, iZettle raised €8.2 Million in Series A Funding, led by Index Ventures and Creandum.[6][11][44] In June 2012, the company received €25 Million in Series B Funding, led by 83North and Norhzone, MasterCard, SEB Private Equity, American Express, and Series A funders Index Ventures and Creandum.[45] In June 2013, iZettle received €5 Million in an Undisclosed Series with only Santander InnoVentures as funder. In May 2014, iZettle received €40 Million in Series C Funding, led by Zouk Capital LLP, followed by 83North, American Express Ventures, Creandum, Dawn Capital, Hasso Plattner Ventures, Index Ventures, Intel Capital, MaterCard, Northzone, Santander InnoVentures and SEB Private Equity.[46] In August 2015, the company raised €60 Million in the Series D Funding led by Intel Capital and Zouk Capital LLP and followed by 83North, American Express Ventures, Creandum, Dawn Capital, Hasso Plattner Ventures, Hermes GPE Environmental Innovation Fund, Index Ventures, MasterCard, MCI Capital SA, Northzone, Santander InnoVentures and SEB Private Equity.[47]

With the Series D round in August 2015, iZettle was valued for over US$500 million.[48]

In May 2018, iZettle announced that it intended to file for an IPO for $1.1 Billion on the Stockholm stock exchange sometime in 2018 but this was pre-empted by a $2.2bn acquisition offer by PayPal.

In 2018 it expects to have revenues of $165 million through processing $6 billion in payment volume.

References

1. ^{{cite web |title=iZettle {{!}} Crunchbase |url=https://www.crunchbase.com/organization/izettle |accessdate=22 November 2018}}
2. ^{{cite web |title=iZettle Raises €40 Million ($55.5 Million) Series C |url=https://www.businesswire.com/news/home/20140509005746/en/iZettle-Raises-%E2%82%AC40-Million-55.5-Million-Series/ |accessdate=22 November 2018 |language=en}}
3. ^{{cite web | url = http://crave.cnet.co.uk/mobiles/izettle-iphone-credit-card-reader-pays-your-bills-with-your-phone-50003896/| title = iZettle iPhone credit card reader pays your bills with your phone | author = Rich Trenholm | publisher = CNET| date = 25 May 2011 | accessdate = 9 September 2013}}
4. ^{{cite web|url = http://www.thetimes.co.uk/tto/business/industries/technology/article3415576.ece | title = Smart approach to paying by card | author = Nic Fildes | publisher = The Times | date = 16 May 2012 | accessdate= 9 Jul 2013}}
5. ^1 2 {{cite web|url = https://thenextweb.com/la/2013/08/27/izettle-launches-its-card-reader-and-mobile-payment-processing-service-in-brazil | title = iZettle launches its card reader and mobile payment service in Brazil | author = Robin Wauters | publisher = The Next Web | date = 27 August 2013 | accessdate= 22 October 2013}}
6. ^1 2 3 {{cite web | url = https://www.forbes.com/sites/petercohan/2011/10/19/izettle-lets-europes-mom-and-pops-take-chip-cards/ | title = iZettle Let’s Europe’s Mom-and-Pops Take Chip-Cards | author = Peter Cohan |publisher = Forbes | date = 19 Oct 2011|accessdate = 9 September 2013}}
7. ^{{cite web | url = http://www.intomobile.com/2011/05/02/izettle-iphone-credit-card-reader-works-smart-cards/ | title = iZettle iPhone credit card reader works with smart cards| author = Dusan Belic | publisher = intomobile | date = 2 May 2011 | accessdate = 9 September 2013}}
8. ^{{cite web |url = https://thenextweb.com/insider/2012/08/13/mobile-payments-startup-settle-forced-change-name-droplet-izettle-drops-trademark-complaint/ | title = Payment startups clash: Cease-and-desist letter from iZettle forces Settle to change name to Droplet | author = Robin Wauters | publisher = The Next Web | date = 13 Aug 2012 | accessdate = 9 September 2013}}
9. ^1 {{cite web | url = http://www.huffingtonpost.com/billrobinson/izettle-square_b_1095589.html | title = High-Tech Startup Focus: iZettle -- the New, Better Square -- Coming Soon to America? | author = Bill Robinson |publisher = Huffington Post | date = 20 November 2011 | accessdate = 9 September 2013}}
10. ^{{cite web | url = http://www.tuaw.com/2011/08/18/izettle-credit-card-reader-for-iphone-now-available-in-sweden-in/ | title = iZettle credit card reader for iPhone now available in Sweden in limited numbers | author = Michael Grothaus | publisher = Túaw | date = 18 Aug 2011 | accessdate = 9 September 2013}}
11. ^1 2 {{cite web | url = http://www.arcticstartup.com/2012/05/10/izettle-drops-fixed-transaction-fee | title = Europe’s Square rival iZettle officially launches its iOS card payments service | author = Martin Bryant | publisher = The Next Web | date = 14 Nov 2011 | accessdate = 9 September 2013 | deadurl = yes | archiveurl = https://web.archive.org/web/20130922114456/http://www.arcticstartup.com/2012/05/10/izettle-drops-fixed-transaction-fee | archivedate = 22 September 2013 | df = }}
12. ^{{cite web | url = https://blogs.wsj.com/tech-europe/2011/09/21/tech-europes-pick-of-stockholms-start-ups/ | title = Tech Europe’s Pick of Stockholm’s Start-Ups | author = Ben Rooney | publisher = The Wall Street Journal| date = 21 Sep 2011 | accessdate = 9 September 2013}}
13. ^{{cite web|url = http://gigaom.com/2012/08/21/izettle-goes-to-android-lays-out-a-challenge-to-square-and-its-rivals/ | title = iZettle goes to Android, lays out a challenge to Square and its rivals | author = Bobbie Johnson | publisher = GIGAOM |date = 21 Aug 2012| accessdate = 9 September 2013}}
14. ^{{cite web | url = https://www.finextra.com/News/FullStory.aspx?newsitemid=24889 | title = Mpos firms join Visa Ready Program | publisher = Finextra | date = 5 June 2013 | accessdate = 9 July 2013}}
15. ^{{cite web | url = http://newsroom.mastercard.com/press-releases/19-mobile-point-of-sale-mpos-solutions-achieve-mastercard-best-practices-certification/ | title = 19 Mobile Point-of-Sale (MPOS) Solutions Achieve MasterCard Best Practices Certification | publisher = MasterCard | date = 27 Feb 2013 | accessdate = 9 September 2013}}
16. ^{{Cite news|url=https://techcrunch.com/2017/09/19/izettle-raises-36m-from-europe-earmarked-for-ai-and-other-new-tech/|title=iZettle raises $36M from Europe, earmarked for AI and other new tech|last=Lunden|first=Ingrid|work=TechCrunch|access-date=2017-11-20|language=en}}
17. ^{{cit web | url = https://www.marketwatch.com/story/paypal-buys-izettle-for-22-billion-as-it-gears-up-against-square-2018-05-17 | title = PayPal buys iZettle for $2.2 billion as it gears up against Square | author = Emily Bary | publisher = Market Watch | date = 17 May 2018}}
18. ^{{cite web | url = http://www.finextra.com/news/announcement.aspx?pressreleaseid=44419 | title = iZettle starts accepting AmEx in Sweden and Finland | publisher = Finextra | date = 8 May 2012| accessdate = 9 September 2013}}
19. ^{{cite web | url = http://www.computerworld.com/article/2492849/mobile-payments/visa--startup-izettle-settle-mobile-payments-issue.html | title = Startup iZettle settles mobile payments | author = Loek Essers | publisher = Computer World | date = 13 Nov 2012 | accessdate = 9 September 2013}}
20. ^{{cite web |url = https://techcrunch.com/2012/06/12/europes-square-izettle-launches-api-to-integrate-payments-into-apps/ | title = Europe’s Square, iZettle, Goes One Step Further: Launches API to Integrate Payments Into Apps|author = Ingrid Lunden|publisher = TechCrunch|date = 12 June 2012|accessdate = 9 September 2013}}
21. ^{{cite web|url = https://www.izettle.com/press/izettle-financial-times-2013-06-11.pdf |title = Santander backs iZettle to promote paying by card|author = Henry Mance|publisher = Financial Times|date = 11 Jun 2013|accessdate = 9 September 2013}}
22. ^{{cite web|url = https://techcrunch.com/2013/02/20/izettle-launches-launches-wireless-chip-pin-device-starts-taking-visa-and-partners-with-santander/ | title = iZettle Launches Wireless Chip & Pin, Stars Taking Visa and Partners with Santander|author = Mike Butcher|publisher = TechCrunch|date = 20 Feb 2013|accessdate = 9 September 2013}}
23. ^https://www.izettle.com/gb/blog/111264793941/say-hello-to-card-reader-lite
24. ^{{cite web |url=https://techcrunch.com/2015/02/17/to-grow-merchant-customers-izettle-slashes-the-cost-of-its-card-readers-to-zero/ |title=To Grow Merchant Customers, iZettle Slashes The Cost Of Its Card Readers To Zero |author=Sundar Kumar JVS |date=17 February 2015 |website=Techcrunch |accessdate=24 February 2015}}
25. ^1 {{cite web | url = https://techcrunch.com/2016/09/06/izettle-buys-intelligentpos-to-expand-from-mobile-payments-to-commerce-solutions/ | title =iZettle buys intelligentpos to expand from mobile payments to commerce solutions | publisher = Techcrunch | date = 6 September 2016 | accessdate = 18 December 2016}}
26. ^{{cite web | url = http://www.ibtimes.co.uk/izettle-brings-first-apple-pay-card-readers-uk-businesses-1501879 | title =iZettle brings first Apple Pay card readers to UK businesses| publisher = International Business Times | date = 19 May 2015 | accessdate = 18 December 2016}}
27. ^1 {{cite web|url = http://www.zdnet.com/izettle-adds-new-loyalty-analytics-features-as-it-squares-up-to-square-7000013527/| title = iZettle adds new loyalty analytics features as it squares up to Square|author = Liam Tung|publisher = ZDNet| date = 4 Apr 2013|accessdate = 9 September 2013}}
28. ^{{cite web | url = https://techcrunch.com/2015/08/28/izettle-moves-into-business-financing/ | title =iZettle Gets $67M To Expand From Mobile Payments To Small Business Financing| publisher = Techcrunch | date = 28 August 2015 | accessdate = 18 December 2016}}
29. ^{{cite web | url = https://techcrunch.com/2014/01/23/izettle-europes-square-releases-an-sdk-for-direct-mobile-payment-integration/ | title = iZettle, Europe’s Square, Releases An SDK For Direct Mobile Payment Integration On iOS | publisher = Techcrunch | date = 23 Jan 2014 | accessdate = 11 February 2013}}
30. ^1 {{cite web | url = https://blogs.wsj.com/tech-europe/2011/05/24/app-turns-any-iphone-into-credit-card-reader/ | title = App Turns Any iPhone Into Credit Card Reader | author = Ben Rooney | publisher = The Wall Street Journal | date = 24 May 2011 | accessdate = 9 September 2013}}
31. ^{{cite web | url = https://www.wired.co.uk/magazine/archive/2011/08/start/data-banking | title = Smart tech and sharp thinking are disrupting high-street banks | author = Rachel Botsman | publisher = Wired | date = 11 Jul 2011 | accessdate = 9 September 2013}}
32. ^{{cite web | url = https://www.engadget.com/2011/04/28/izettles-chip-reading-square-competitor-will-take-your-money-n/ | title = iZettle’s chip-reading Square competitor will take your money, no swipes required | author = Zach Honig | publisher = engadget | date = 28 Apr 2011| accessdate = 9 September 2013}}
33. ^{{cite web | url = https://www.izettle.com/GB/help/articles/1084830-smartphones-and-security | title = Smartphones and security| publisher = iZettle | date = 18 December 2016 | accessdate = 18 December 2016}}
34. ^{{cite web | url = http://www.fi.se/Folder-EN/Startpage/Register/Company-register/Company-register-Details/?idx=096302 | title = iZettle AB| publisher = Finansinspektionen | accessdate = 9 September 2013}}
35. ^1 2 {{cite web |url = https://blogs.wsj.com/tech-europe/2013/06/18/izettle-launches-card-service-in-mexico/| title = iZettle Launches Card Service in Mexico | author = Ben Rooney | publisher = The Wall Street Journal|date = 18 Jun 2013|accessdate = 9 September 2013}}
36. ^1 {{cite web|url = https://www.bbc.co.uk/news/technology-20226894 | title = iZettle and the modernisation of money | author = Rory Cellan-Jones |publisher = BBC|date = 6 Nov 2012 | accessdate = 9 September 2013}}
37. ^{{cite web|url = https://techcrunch.com/2012/10/30/the-square-like-izettle-launches-in-germany-with-dz-bank-and-deutsche-telekom-puts-heat-on-payleven/ | title = The Square-like iZettle Launches in Germany with DZ BANK and Deutsche Telekom, Puts Heat on Payleven|author = Mike Butcher|publisher = Techcrunch |date = 30 Oct 2012|accessdate = 9 September 2013}}
38. ^{{cite web | url = https://www.izettle.com/about | title = about |publisher = iZettle| accessdate = 9 September 2013}}
39. ^{{cite web|url = http://tecnologia.elpais.com/tecnologia/2012/10/20/actualidad/1350702127_030039.html | title = They mobile payments iZettle | author = Manuel Angel Mendez|publisher = El Pais Technology |date = 20 Oct 2012| accessdate = 9 September 2013}}
40. ^{{cite web|url = http://gigaom.com/2012/05/16/izettle-uk-launch/ | title = iZettle, Europe’s rival to Square hits the UK | author = Bobbie Johnson | publisher = GIGAOM | date = 16 May 2012|accessdate = 9 September 2013}}
41. ^{{cite web | url = https://www.finextra.com/news/announcement.aspx?pressreleaseid=61988 | title =iZettle Arrives in Italy | publisher = Finextra | date = 3 November 2015 | accessdate = 18 December 2016}}
42. ^{{cite web | url = http://www.thepaypers.com/mobile-payments/izettle-launches-in-the-netherlands/757453-16 | title =iZettle launches in the Netherlands | publisher = The Paypers | date = 21 November 2014 | accessdate = 18 December 2016}}
43. ^{{cite web | url = https://www.crunchbase.com/organization/izettle/funding-rounds | title =iZettle founding rounds | publisher = Crunchbase | date = 18 December 2016 | accessdate = 18 December 2016}}
44. ^{{cite web | url = https://techcrunch.com/2011/10/18/europes-square-izettle-raises-11-million-for-mobile-payments-technology/ | title = Europe’s Square iZettle Raises $11 Million For Mobile Payments Technology | author = Leena Rao | publisher = Techcrunch | date = 18 Oct 2011 | accessdate = 9 July 2013}}
45. ^{{cite web | url = https://www.crunchbase.com/funding-round/798972f852ba9d7dd639faacba6d9c59 | title = Funding Round - Series B | publisher = Crunchbase | date = 15 June 2012| accessdate = 18 December 2016}}
46. ^{{cite web | url = https://www.crunchbase.com/funding-round/3882587cbd5589a485e4f624498d2e2e | title = Funding Round - Series C | publisher = Crunchbase | date = 9 May 2014| accessdate = 18 December 2016}}
47. ^{{cite web | url = https://www.crunchbase.com/funding-round/3882587cbd5589a485e4f624498d2e2e | title = Funding Round - Series C | publisher = Crunchbase | date = 28 August 2015| accessdate = 18 December 2016}}
48. ^{{cite web | url = https://www.ft.com/content/7346328a-4ce2-11e5-9b5d-89a026fda5c9 | title = Swedish payments company iZettle raises €60m on $500m valuation| publisher = Financial Times | date = 28 August 2015| accessdate = 18 December 2016}}

External links

  • {{Official website}}

3 : Financial services companies of Sweden|Swedish companies established in 2010|Payment service providers
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