How to pay with a smartphone: 3 payment systems

Phones are no longer just a means of making calls and sending SMS messages. This is a camera, a player, and a minicomputer in one device. But technology has stepped further and now you can also pay for purchases with a smartphone . How convenient it is, what are the pros and cons of this system, which payment option is better to use – all this can be found in the article.

See also: How to use a smartphone: a short 5-point manual for beginners.

How to pay with a smartphone?

The Near Field Communication system is used to contact the smart and the payment terminal, but users hear its shortened version – NFC. It helps to exchange data at a distance not exceeding 10 cm. You just need to attach 2 devices to each other, perform 1-2 simple actions (depending on the calculation system used). Everything. Contactless payment with a smartphone is over!

To pay for shopping with a mobile device, the latter must have an NFC chip. In the latest models, it is built right into the motherboard, and in older smart cards they can be added using a sim card, memory card or a separate tag with such a module. You can find out whether a particular mobile gadget supports NFC technology from the characteristics of the device itself.

Information about plastic cards is stored in the application, which must be downloaded to get started (more on this below). The physical card number is used only 1 time (during setup) and then is not stored anywhere. It is digitized and then only the encrypted virtual number is used.

To get started, those who use smartphones on Android OS will need:

  • click on the item “Wireless networks” in the menu;
  • click on the “NFC” subcategory;
  • activate the module.

Owners of “apple” devices do not need to connect anything. At the factory, the chip is activated, after which the antenna works autonomously.

Caveat : Near Field Communication smartphone payment technology works only on Android version 4.4.4 or higher. As for smartphones from Apple, you can pay contactlessly from iPhone 6 (for example, iPhone 11 64GB ) and above.

And what is safer: contactless payments with PayPass cards or newfangled payments by phone? In the first case, you have to take out the card and apply it to the terminal. At the same time, there is a risk that strangers will see her number and other confidential data. In the second option, during payment, the generated token is sent to the terminal, and not the number or other card data. Therefore, cybercriminals cannot get the card details and withdraw funds from the account.

May be of interest: Research: what does a Ukrainian smartphone look like?

Which payment system should you choose?

In order for the smart to start working as a card for calculation, you need to install a special program. Which one? For “apple” units – Apple Pay, on Android OS – Google Pay, for phones of the Samsung brand there is also a proprietary application. Whether to choose it is a matter of taste. How do I install each of the utilities?

Interesting to know: Evolution of Samsung Galaxy S – features from S1 to S9 series. 

Apple Pay

What the user will need:

  • the presence of an iPhone of at least six;
  • payment card;

Next, you need the Wallet program to bind the card to your unit.

Installation goes like this:

Step # 1 Go to Wallet and click on the “Add payment card” link.
Step # 2 Enter your Apple ID.
Step # 3 Enter the card details (number, name of the owner, expiration date, etc.).
Step # 4 The issuing bank identifies the card.
Step # 5 After the bank check, click “Next”.

That’s it, the process is complete. You can start paying with your Apple phone . To do this, you need to bring the device to the terminal, keeping your finger on the Touch ID.

A small nuance: You can add no more than 8 cards to the application.

Interesting to know: 10 years with the iPhone – how did the world’s most popular smartphone develop?

Google pay

Many smartphones on Android OS already have an NFC module (for example, in Samsung Galaxy Note 10 OS version 7.0). To start using it, you need to add a card to it.

This is done like this:

Step # 1 Open the application (after downloading it).
Step # 2 Find your account.
Step # 3 Click on the “+” icon.
Step # 4 Click on the “Add card” item.
Step # 5 You can take a picture of the map or enter information from it manually.
Step 6 Enter the code from sms.

How do I pay with my phone using Android Pay (now called Google Pay)? The device is unlocked and brought with the right side to the terminal: if the module is built-in – then the back, if the third-party – the side where it is installed. A confirmation “flag” should light up on the unit screen. Then you need to enter a secret combination or put a signature on the check.

Bonus of this system: you can add an unlimited number of cards.

Samsung Pay

Connection conditions are similar here.

Adding a card is as easy as shelling pears:

  1. Specify an account in the account of this company in the program.
  2. Click on the “Start” button.
  3. Decide on the authorization option (code, fingerprint).
  4. Click on “+” or “Add”.
  5. Make a scanned copy of the card or rewrite data from it yourself.
  6. Agree to the terms of service and click on “Accept All”.
  7. Enter the code from the bank SMS in the appropriate field.

The final touch is to sign on the screen with a stylus or finger.

Nuance : One device supports no more than 10 cards.

To pay in the store, you need to activate the application, select the desired card, log in with your fingerprint and bring the device to the terminal.

May come in handy: How to properly charge your smartphone: 5 simple tips to help extend battery life.

Advantages and disadvantages

The advantages of using such a system are obvious – a smart calculation takes a minimum amount of time, you don’t have to carry cards with you, the security of the operation tends to 100%.

Minus – you need one of the freshest smartphone models (it is important to make sure that there is NFC in the smart before buying) or an additional tag.

List of banks that support the NFC system:

Application  Name of the bank 
Apple Pay PrivatBank, Oschadbank, Monobank
Google pay PrivatBank, Oschadbank, UkrSibbank, Monobank, Alfa-Bank, etc.
Samsung Pay On the official website of the company, you can check if the bank supports the NFC system.

A complete list of banks can be found at the office. sites.

You can pay with a smartphone (for example, Samsung Galaxy S10 ) at any POS terminals that are now installed everywhere: in supermarkets, gas stations, cafes, cinemas.

So what is NFC and smartphone payment for the user? It is a modern, convenient, and increasingly popular way to pay for your shopping safely and quickly. The number of special terminals is still small, especially in small towns. But the system is developing, more and more banks are accepting it, both users and business owners are convinced of the comfort and speed of Near Field Communication.

by Abdullah Sam
I’m a teacher, researcher and writer. I write about study subjects to improve the learning of college and university students. I write top Quality study notes Mostly, Tech, Games, Education, And Solutions/Tips and Tricks. I am a person who helps students to acquire knowledge, competence or virtue.

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