NFC Tap and Pay Explained

NFC (Near Field Communication) technology allows for wireless transactions, making it possible to pay with just a tap of your device.

This technology is widely used in contactless payment systems, such as credit and debit cards, and mobile devices.

To use NFC Tap and Pay, you need a device that supports NFC, such as a smartphone or a smartwatch, and a payment method linked to your device, such as a credit card or a bank account.

Tap to Pay is our quick and easy feature that allows you to make contactless payments with just a tap of your Android phone.

It uses Near Field Communication (NFC) technology for secure and instant transactions, so you can say goodbye to carrying cash or cards.

Whether you are buying your morning coffee or doing your weekly food shopping, Tap to Pay makes your everyday transactions quicker, easier and more secure.

You can use Tap to Pay with your mobile device, making it a convenient option for everyday purchases.

Using NFC tap and pay technology has numerous benefits that make it a convenient and secure way to make transactions. It's easy to use, with no need to dig around for cash or cards.

One of the biggest advantages is the speed of transactions. NFC transactions take just seconds, a fraction of the time of magstripe, chip card, and cash transactions. This speed is a huge plus for businesses, as faster transactions mean more sales.

With NFC tap and pay, you can say goodbye to carrying cash or cards. Tap to Pay is our quick and easy feature that allows you to make contactless payments with just a tap of your Android phone. It uses Near Field Communication (NFC) technology for secure and instant transactions.

The convenience of NFC tap and pay is also improved by its widespread use. It works at any place that accepts contactless payments, making it a great option for everyday transactions. Just check for the contactless symbol on card reader machines before you use Tap to Pay.

Here are some key benefits of NFC tap and pay:

To set up NFC tap and pay on your Android device, you'll need to ensure Near Field Communication (NFC) is activated in the Android smartphone. Open Settings and type NFC in the "Search settings" bar to turn it on.

First, check if your device has NFC technology enabled. Go to the general settings app and look for the option to turn on NFC and contactless payments under categories like "connected devices" and "connection settings".

To make contactless payments, you'll also need to enable contactless payments for the linked card. This setting allows you to tap your credit card on the POS machine.

Once you've enabled NFC on your device, you can use your mobile wallet and payment app to make contactless NFC purchases.

Here are the two important requisites to get you started on setting up NFC tap and pay on your Android device:

Using NFC payments on a phone is generally straightforward. You can use your mobile wallet and payment app to make contactless NFC purchases, as long as you have NFC technology enabled on your device.

To initiate a contactless payment, simply hold your NFC-enabled smartphone or other digital device near the payment terminal. The NFC technology will begin the secure exchange of data required for transaction verification.

Here's a brief overview of how NFC works with smartphones and other digital devices:

NFC tap and pay transactions are protected by the same technology that secures regular EMV chip cards.

Contactless cards are protected by encryption and dynamic data, which means the data is constantly changing, unlike the data on a magnetic-stripe card.

Mobile wallets like Apple Pay tokenize your bank details, replacing them with algorithmically generated random numbers called tokens. These tokens then pass through the networks needed to process the payment, without exposing your actual bank details.

NFC payments using Apple Pay are locked with the fingerprint technology built into the iPhone, ensuring a higher level of digital security.

Biometric authentication such as fingerprint or facial recognition has emerged as a promising solution to address security concerns around NFC transactions.

The data involved in an NFC transaction is encrypted and dynamic, making it extremely secure.

Cardholders are protected from fraud for NFC transactions up to $100 with all major card brands.

NFC payments don't store the card data directly on the device, instead using digital technologies such as tokenization to maintain security.

All information sent via NFC-enabled devices is encrypted, making it typically unreadable by third-party interceptors or hackers.

NFC transactions occur over very short distances, minimizing the risk of interception, and NFC cards or devices connect only with a single reader during each transaction, enhancing security.

NFC technology is used for contactless payments, and it works by transmitting a virtual account number to the retailer's payment terminal using Near Field Communication (NFC) technology.

To make an NFC payment, you need to ensure that NFC is activated in your Android smartphone by opening Settings and turning it on. You also need to enable contactless payments for the linked card.

NFC is a subset of radio-frequency identification (RFID) technology, which uses electromagnetic fields to identify nearby objects and transmit data. It operates using a specific RFID frequency for effective short-range communication.

For NFC payments to work, you need to hold your mobile device or tap-to-pay card close to an NFC-enabled reader, typically less than 2 inches apart. The reader then uses NFC technology to search for and identify that payment device.

The process creates a lightning-fast checkout flow that’s both convenient and highly secure. NFC payment options, such as Apple Pay and Google Pay, are fast becoming a preferred consumer payment method.

Here are the two types of NFC devices:

Using your smartphone or digital device for contactless payments is a convenient and secure way to make transactions. This process uses Near Field Communication (NFC) technology to transmit data between your device and the payment terminal.

NFC is a subset of radio-frequency identification (RFID) technology, which uses electromagnetic fields to identify nearby objects and transmit data. In the case of NFC payments, this technology only works within a few inches of the terminal, making it ideal for contactless payments.

To make an NFC payment, you simply need to hold your device near the contactless card reader. The reader then uses NFC technology to search for and identify your payment device. Once it finds the device, your information can be securely transmitted to the reader, and the purchase is made.

There are two types of NFC devices: active and passive. Passive devices, like smart posters and contactless POS terminals, can hold information for active devices to read, but cannot access external information itself. Active devices, on the other hand, can send radio-frequency currents that interact and collect data from other enabled hosts.

NFC payments are fast and secure, with the process creating a lightning-fast checkout flow. Because of this, NFC-driven payment options, such as Apple Pay and Google Pay, are becoming increasingly popular.

Here's a quick rundown of the steps involved in making an NFC payment:

This process is convenient, secure, and easy to use. With NFC payments, you can make transactions quickly and efficiently, without the need for physical contact or cash.

QR codes function as a one-way communication method that relies on visual scanning of a barcode using a smartphone camera.

Setting up QR code payments is easy for merchants, requiring no special equipment like a point-of-sale system or card reader.

Many payment processors can generate a QR code for accepting payments, making it a convenient option for merchants.

QR code payments are easy to use by consumers, with no need to tap an NFC-enabled device near a reader.

Check our list of the best QR code and scan to pay apps for more information on how to use QR code payments.

Tap to Pay is a quick and easy feature that uses Near Field Communication (NFC) technology for secure and instant transactions.

With Tap to Pay, you can say goodbye to carrying cash or cards, making it ideal for everyday transactions like buying your morning coffee.

There are two main ways customers can pay with NFC: by using tap-to-pay cards or mobile devices or wearables as smart cards.

Using mobile devices or wearables as smart cards can make transactions even quicker and more convenient, as you can leave your wallet at home.

To accept NFC payments, you'll need to get set up with an NFC-enabled reader that can process contactless payments. These readers are capable of processing NFC payments using NFC chips embedded in smart devices.

You'll also need to ensure your credit card processing plan accepts digital e-wallet payments. Most merchant account providers do this, but exact pricing will vary depending on your specific merchant account and plan.

Processing fees for NFC payments are typically the same as regular card-present payments, but exact pricing will vary. You can find more information on preferred merchant accounts that offer NFC payments in the table below.

It takes 5-15 seconds for a smart card or NFC-enabled device to finish a contactless payment in-store.