Use Your Phone Like a Debit/Credit Card: Apart from online payment, you can also use your phone like debit or credit card with the help of NFC. Let’s understand how it works and you can pay using this system, Smartphones are no longer limited to calls and messages – they have become part of our daily life. Especially when it comes to payment, we do not need to carry a wallet or card everywhere. Now, users can use their phone like credit or debit cards, for NFC, or near field communication. With an NFC-competent smartphone, you can simply touch or tap your phone like a bank card to make quick and easy payments.

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How to Make Payments Using NFC

To start, your smartphone must support NFC feature. Most modern mid-range for flagship smartphones are equipped with this technique. You can check if NFC is available on your phone by going to settings. If it is not capable, just ‘turn’ it.

Next, you will need a digital payment app that supports NFC payment, such as Google Pay, Samsung Pay, Apple Pay, or PhonePe tap and pay. Within these apps, you have to register your debit or credit card. This process includes your card number, expiry date, verification with CVV and OTP.

Once your card gets connected, you just have to do so that your phone is brought to the NFC-enabled POS (Point of Sale) machine, and the payment process starts automatically. For safety reasons, your phone may ask for fingerprint, pin or face unlock verification before completing the transaction, making sure that your payment is safe and safe.

Benefits of Phone Payments

Using your phone as payment method provides great convenience and protection. There is no need to carry many cards now. You can just tap your phone to places like malls, restaurants, metro stations or grocery stores to pay. This quick process helps you to avoid long lines and cash problems.

In terms of safety, NFC payments use a tokening process, which means that your actual card number is never shared. Instead, a virtual code is used, reducing the risk of card cloning or data theft. Also, if your phone is lost, you can disable your payment apps from a distance for addition to safety.

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Where Can You Use NFC Payments?

Wherever NFC-supported pos machines are available, you can pay NFC. In India, NFC machines are gradually becoming common, not only in metro cities, but also in Tier -2 and Tier -3 cities. This feature is rapidly expanding in large retail stores, food chains, shopping malls, petrol pumps and even public transport systems. The best thing is that you can also use your phone to pay in foreign currencies while traveling internationally, as long as your bank and app supports that currency.