Yeah I can see why some people might not get how this can be useful, having a snapscan merchant account myself, I can confirm it is really easy to already:
- Send someone a link with an amount that I would like them to pay me. If they click on it, it will open snapscan and kickoff the normal Auth procedure
- It will notify me when it gets paid.
So @reggiepret’s example of pulling money is already totally possible. I have even implemented snapscan using its API’s such that a ‘notifyURL’ can be used to notify any server of your choice of the successful payment. In theory opening up the doorway to automate other actions using that Server. We retrofitted the API’s to create a PayGate-like interaction on an ecommerce app. (I know we have. so many better solutions now, like PayFast, Flutterwave etc. trust me, this was a special case)
I do however think that adding a bill splitting app to this mix makes things super interesting because what we could do is use splitwise to automatically settle and request payments using the Investec banking API’s.
You could run a script almost like a cron job monthly, which automatically sends links to those who owe you money, and automatically settle with people who you owe money to.
What would be even more epic is using some kind of smart logic to query your transaction history, point out items that seem ‘irregular’ and prompt you to check if you should split the amount (like R400 at a restaurant, you likely shared the meal – unless you have really expensive taste)
I plan to tackle this at the next hackathon if my team agrees (unless we have an even cooler idea).