How to pay with your laptop

There is also an application of Italian origin and little known in France (wrongly) to pay with your smartphone. These are satisfy, Designed for those who do not want to switch off with too much money in pockets, but who do not want to cover the costs of a credit card. Satisfy allows you toMake micropaies through your mobile phone, Like a kind of “WhatsApp to send money“, Or in your contacts or in affiliated stores.

Contactless payment: how to pay with your phone or card ?

Contactless payment allows you to pay a purchase with your bank card or your phone without having to deal with confidential code. The maximum amount of payments is limited and each bank sets a ceiling according to the number of purchases per day, week and month. How to activate contactless ? How to pay with your phone ? Focus on this payment method.

Updated on 02/09/2023 at 12:20 p.m

What is contactless payment ?

A quick and secure transaction

Contactless payment appeared in 2007. It is represented on the bank card by a pictogram symbolizing a flow of radio waves. Merchants offering this payment method has the same logo on their terminal. Neither the confidential code nor the visual cryptogram (the three figures appearing on the back of the card) are used during the transaction. This is a guarantee against hacking.

How does this payment method work ?

The cards communicate with electronic payment terminals (TPE) thanks to a communication protocol called NFC (Near Field Communication). Secure, it allows you to exchange data at very short distance (3 to 4 centimeters) without it being necessary to enter a confidential code.

In practice, just put the bank card on the payment terminal screen. It is equipped with a chip coupled with an antenna and contains the information that the terminal needs to accept the transaction. An indicator lights up, then a “beep” is heard when the operation is validated. It gives rise to the show of a receipt to be preserved.

Pay without contact with a phone

Some mobile operators provide devices equipped with NFC technology in order to be able to use them as a contactless payment card.

To carry out a transaction, place the mobile phone screen above the payment terminal after checking that the right amount is there and leaving it for a few seconds.

Accessible through a dedicated application, this service allows small purchases. For the biggest sums, the user must type his confidential code before replacing the screen of his phone on the payment terminal. He can also enter a password on his mobile.

To note : the maximum ceiling of a contactless payment with mobile is around 300 euros.

Contactless payment: Ceiling and maximum amount

Since May 11, 2020, the maximum amount of operations has been limited to 50 euros for security reasons. In 2007, contactless payment was capped at 20 euros, then increased to 30 euros in October 2017.

To this capping by operation is added an overall amount that cannot be exceeded during a given period, for example 24 hours. As soon as this limit is reached, the card holder sees “refused payment” appear on the terminal. He must then deal with his confidential code to spend more. There is a limit of the number of consecutive purchases paid without contact.

To note : the current ceiling could be noted at 80 euros in the coming months, if the information of the press release of the SUMUP payment service company is confirmed.

What to do in case of loss or fraud of the contactless card ?

In the event of loss or theft of your card, the steps to be taken are the same as for a conventional bank card. They lead to a 100 %refund, except in the event of a fault or negligence of the holder. It is up to the bank that it is up to demonstrate this fault or negligence. In the event of loss or theft of the laptop, the partner bank will have to inhibit the payment bank application present on the smartphone.

To note : To preserve the risk of hacking, it is recommended to transport your card in the small protective case provided during its delivery, because it blocks the NFC waves.

How to deactivate contactless payment ?

Some banks activate the contactless payment option without requesting the advice of their customers. This should not theoretically be the case, since the National Commission for Data Protection (CNIL) advocates not activating this function only after the green light from the user.

A user can refuse a bank card equipped with contactless payment. The bank is required to replace this card with a model without NFC technology or to deactivate this function. Deactivation may give rise to costs, the amount of which must be communicated beforehand to the user.

Good to know : An online form available on the website of the National IT and Liberty Commission (CNIL) makes it possible to file a complaint if a bank refuses to access this request.

How to pay with your laptop ?

In recent years, applications have developed to transform our smartphone into a means of payment: the NFC for contactless payments, the QR code to make transactions in certain businesses … how it works ? What are the best apps to pay for your purchases with your mobile ? What are the advantages of mobile payment ? Is this system really secure ? We explain everything you need to know to pay with your phone.

Mobile payment: what solutions exist ?

More and more mobile payment solutions exist:

• Contactless payment with your phone. Indeed, several payment services allow you to pay your purchases only thanks to an application to download, therefore without having to take out your bank card.
• Banking operations carried out with your mobile. By going through the application of your bank, you can make a transfer from your phone, for example.
• Payment through a phone. Companies like Orange, for example, also offer solutions to pay with its laptop, such as the payment with mobile by SMS for example, but only if you are an orange customer … in the same idea but with different operation, internet+ service de Free allows you to postpone the date of settlement of (some) online purchases: Free Mobile payment will only be debited at the time of your next Internet invoice.
• A mobile electronic payment terminal (also called TPE) is also considered as a payment solution by phone, because it is the machine that is necessary to read your device. However, VSEs are intended for professionals.

Before going into the details of the apps, let us specify an important point: To be able to pay without contact with your mobile, the latter must be equipped with NFC technology. Rest assured, if you have a smartphone, it is ! It is in case you use an older model that this information will have to be sought in the user manual of your phone (or ask your operator if your mobile is well compatible).

Pay with your mobile: who offers this service ?

There are two criteria to be able to pay your mobile:

• You must have a compatible phone, that is to say equipped with NFC technology. It will be (almost) always the case if you use a smartphone.
• Your bank must be a service partner. Indeed, all French banking establishments are not compatible with the three main world digital portfolios, namely Apple Pay, Samsung Pay and Google Pay. We have also chosen to include Paylib in our comparison, as the French solution created by some banks can be used by many banking organizations.

Banks compatible with mobile payment services:

Your bank does not allow you to pay with your mobile ? Change banking establishment ! To find the best organization (traditional or online), do not hesitate to use our online comparator. Our tool is free, anonymous, and without commitment.

The best banking offer according to your needs and budget

Contactless mobile payment: how it works ?

Mobile phone payment operates thanks to the NFC (Near Field Communication) works via the transmission of data to short distances. This is why you will still need to take out your smartphone and approach it near the TPE (electronic payment terminal) of the merchant so that the transaction is carried out.

The functioning of contactless payment with your mobile is therefore similar to that of a contactless credit card. To find out if a merchant will accept your payment by phone, you just have to look at if his TPE is compatible with contactless: if he accepts it for bank cards, then this is also the case for payments by smartphones. Concretely, to pay with his mobile in contact with no contact thanks to the NFC:

• Before using this service, You just need to download (free) a contactless payment application (which will differentiate according to the service used).
• When paying for a purchase, Just put your phone on the TPE and allow the transaction with your password or another security system (fingerprint reader, etc.).

Know that your phone does not need to be connected to the Internet to work. However, it should be turned on (if you no longer have a battery, you will no longer be able to pay with your laptop). Note also that any device equipped with the NFC can be used to make a payment, such as a tablet, for example.

Many contactless payment applications use QR codes (Quick Response). A QR code is simply a black bar code on a white background associated with a specific purchase. It too allows you to quickly make a payment with a mobile (among others, because you can also buy online then read videos, for example) in a business. McDonald’s, for example, offers its customers to use a QR code to pay their orders faster. Concretely, to pay by mobile with a QR code:

• Before adjusting your purchase, Download and connect to the free application of the mobile payment service used. If you have saved several, select the code (therefore the transaction) concerned.
• At the time of your payment, The QR code has appeared on your phone. It is enough for the merchant to scan it (directly on the screen of your smartphone) to authenticate the operation.

Mobile payment applications: TOP 5

1- Apple Pay, for Apple customers

This mobile payment app is free but only for iPhone owners (from iPhone 6), iPad (from the iPad Air 2) or Apple Watch. It is therefore not compatible with Android devices. Thanks to this application, you can pay your purchases in all businesses with the contactless device.

• The operation of Apple Pay: Once you have downloaded the application on your iPhone, simply take your CB in pictures from your smartphone (or, if you prefer, enter your numbers manually). You now have a virtual card ! To pay the amount due to a merchant, simply open the application, apply your smartphone to its payment terminal, and rein.
• Apple Pay’s particularities: You can also use this Apple Pay account to pay all of your Apple purchases (on the App Store or the Apple Store).

2 – Samsung Pay, for Samsung holders

Like Apple Pay, Samsung is inclusive by offering its free service only to customers of its brand. Again, thanks to the Samsung Pay app, you can make mobile payment in all businesses with TPE accepting contactless payment.

• OperationofSamsung Pay : to save your bank card in the application you downloaded, even principle as for Apple Pay: you will only need to take a picture of it with your phone. When paying in a business, you just have to open the application and approach your smartphone from the merchant’s payment terminal.
• ParticularitiesofSamsung Pay : you can save one or more bank cards, or loyalty cards.

3 – Paylib, the French solution created by a group of banks

Created by several banking establishments in order to also offer a payment solution of this type, its use is free. Here again, this service allows you to use your mobile phone to pay in shops offering the contactless system. Paylib is compatible with Android smartphones.

• OperationofPaylib : you must register in Paylib via your bank customer area. Your mobile app will therefore be suitable for your bank (in other words, if you are a customer of several banking organizations, you will have access to several interfaces). Once your account is created, you only have to put your smartphone on the payment terminal to pay for your purchases (you don’t need to open the application).
• ParticularitiesofPaylib : This solution also allows you to send or receive money between individuals (by simply entering the telephone number of the person concerned by the transaction).

4 – Lydia, the French payment solution between individuals

Lydia is the first payment solution between individuals : you can send money or receive very simply by using your mobile and the phone number of the person concerned by the transaction. You can also make a portable payment in a business, thanks to a QR code that will be generated via the application. However, even if large signs also use Lydia, all do not accept (yet) this electronic wallet. The application is free and compatible with iOS as with Android.

• OperationofLydia : you must download the application, which automatically opens a Lydia account to you. To send money to a friend, you only have to select his contact in your phone and indicate the amount of the transaction. To pay in a business, simply open the application and approach your smartphone from the electronic payment terminal.
• ParticularitiesofLydia : this payment solution, much appreciated by individuals for its simplicity, is compatible with Apple Pay, Samsung Pay and Paylib.

5 – Google Pay, compatible according to your bank

The Google Pay application, which is also free, is the fruit of the Android Pay and Google Wallet (= portfolio) rapprochement. You can use Google Pay to pay with your phone in all shops with terminals compatible with contactless payment. We have classified this service in number 5 because its launch in France was expected at length for ultimately, according to customer comments, meet some concerns (especially registration). In addition, not all banks (yet) compatible with Google Pay.

• OperationofGoogle Pay : Download the application then save your bank details. To pay in store, you don’t need to open the application, you just need to put your mobile on the payment terminal.
• The peculiarities of Google Pay : you can add your loyalty cards to the app as your gift cards. You can also associate your PayPal account (if you have one). Again, the possibility of being able to make money transfers between individuals is planned.

Payment by phone: what advantages ?

Mobile payment is increasingly used in France. Indeed, it brings together certain advantages because it is:

• Practical : in case of forgetting your wallet (and therefore your bank card) or in the event of payment means located at the bottom of a too full bag, your phone will be more accessible and will allow you to quickly pay your purchases.
• Free : the installation of applications from which we have detailed the operation and the particularities is free. However, depending on your bank, we always advise you to check the existence or not of account holding costs applied for contactless payment. Usually it’s free ! You will find this information under the tariff conditions of your bank account.
• High ceiling: Where, when you pay without contact with your bank card, you are capped at € 30 (generally), know that this is not the case by paying your smartphone without contact with your smartphone. Thus, you can pay purchases of several hundred euros. Note, however, that several organizations limit transactions to € 300 per operation.
• Secure : The level of security is in theory higher than that a conventional bank card, because the validity of your transaction, often when it exceeds a certain amount, is subject to one or more safety system (s): Personal code, card to Biometric footprint, etc.

Contactless mobile payment: is it well secured ?

Yes, contactless payment by phone is secure. Several security systems are used by the main market players, in order to guarantee the security of your banking data:

• Regarding securing your transactions: To validate a payment at Apple Pay, you must go through the entry of your personal code or by a biometric authentication: a fingerprint (with Touch ID) or facial recognition (with Face ID). By going through Paylib, for any purchase greater than 30 €, you must authenticate via a code or password. The Lydia application favors the use of QR code rather than that of the NFC during payments in its partner businesses: this alternative is just as little risky as that of contactless payment, since you must also enter your secret code or still go through another security system of this type to validate the transaction.

• Regarding securing your data: Apple Pay, for example, ensures that your bank card numbers are not stored, neither on your device nor in its servers (to do this, an identifier corresponding to the data of your bank card is encrypted and saved on your mobile, but It is useless without a second identifier, unique it and generated with each transaction). Thus, even in the event of loss or theft of your device and access to your data, it will be impossible to access this information.

What security is provided for purchases from small amounts ? As we have seen, online payment services have set up many security systems, but often applicable from purchases to the amount of more than 20 or 30 €. For lower amounts, Paylib, for example, will not ask you to enter your password or facial recognition or fingerprint. However, if this situation worries you, you can completely add additional authentication options. This service is offered by most organizations, and is generally free.

What to do in the event of theft or loss of a phone used to pay ? The first reflex to have is to go to your bank’s website (via your computer or another phone) to deactivate mobile payment services. If your phone is off, we remind you that no one can use it to make a transaction.

Then if you are sure that your phone has been stolen, You must file a complaint with the police station (for theft) and oppose your credit card with your bank (to secure potential fraud). Indeed, mobile payment operating as a dematerialization of your plastic card, you will be sure that any future transaction will be blocked. But this operation will result in fees and a period without credit card (time to re-fabricate and send it to you). Finally, upon receipt, you will need to record your new card on your mobile payment app.

Note that in the event of theft or loss of your phone, Apple Pay and Google Pay offer the “Locate my device” functionality. There are also a service allowed to deactivate the mobile payment application, as well as another which giving you the possibility of erasing the memory of your phone.

Pay with your phone: the best applications

You want pay with your smartphone But you don’t know how to do ? Here are some of the most popular mobile payment applications in France and their operation. Pay with your phone in stores, bars, supermarkets or on the Internet, thanks to dedicated applications that allow you to use your phone as a credit card: a quick system and much easier and safe that some people think. During pandemic period, it is more hygienic and recommended to Pay at the checkout in contactless mode, By placing the phone on a reader (or pay directly online) rather than manipulating bank cards or species. Here is a useful guide on the best digital payment applications by smartphone: what are the most popular and the most reliable, and how they work.

Apple Pay

Let’s start with Apple Pay, The contactless payment system developed by Apple for its mobile devices. People withiphones, iPads, Apple Watch and Macs can take advantage of the Wallet application and NFC technology (To put the device in contact with a compatible point of sale), for secure and fast payments. Apple Pay activation is very simple: just go to Wallet, click on Add a map and follow the instructions.

With Apple Pay, you can pay with your phone in stores, supermarkets, restaurants, hotels, taxis, automatic distributors and in all places where the service is activated. Anyone with an iPhone With Face ID or Touch ID (Except iPhone 5S) can use Apple Pay. At the time of payment at the checkout, just place the iPhone on the TPV and authorize the transaction via Touch or Face Id. The service supports debit and credit cards of many institutions and circuits: Mastercard, Maestro, Visa, Unicredit, N26, Hype, to name a few.

Paypal

It’s a “great classic”: Founded in 1999 by Elon Musk and bought by Ebay in 2002, a company then branched and listed on the stock market since 2015, Paypal (pronounced as it is written, and not “Pay-Pol”) offers the most popular internet payment service in the world.

Paypal allows you to perform online transactions without having to reveal your bank details or your credit card number in anyone. A credit card (Up to 8), a prepaid card or a bank account is associated with the account. It is also possible to receive sums of money from friends, family members or unknown, and to carry out online collections thanks to the Tirelire service which allows you to share a link on Facebook, WhatsApp , by email or SMS from which users can send money that is Then downloaded to the Paypal account.

Although it is more likely that you have used or use Paypal for online purchases or peer peer transactions, you can also pay with your phone in stores that display the contactless payment symbol. You must have a PayPal account and Download the Vodafone Wallet application on an Android device with a NFC SIM card. Here are the steps to follow:

• Add your Paypal account to the application payments section;
• Connect with the username and password from your PayPal account;
• Create a 4 -digit NFC PIN code to be used for payments above 25 €;
• Pay by approaching your smartphone from the contactless reader, without even opening the application.

Google Pay

The mobile payment application for Android devices is Google Pay, which is already predefined on smartphones. This payment system is widely accepted in stores and electronic commerce. It is considered safer than using a traditional credit card, as the number is not sent and is protected by safety encryption in several levels.

Users can associate credit, debit and prepaid cards (Visa, Mastercard or Maestro circuit) to their Google account and Activate the Google Pay option when they want to pay. To pay with your phone, it is not necessary to unlock it or launch the application because it is enough to place the smartphone on the card reader and authenticate it by biometric recognition.

Samsung Pay

Launched in 2018, Samsung Pay is the application to pay via the Samsung smartphones and smartwatches. It is already preinstalled on almost all Galaxy models where you can download it on the Galaxy Store. It is compatible with many banks and card circuits: Mastercard, Maestro, Visa, V Pay, Unicredit, HelloBank !, And more than 150 partner banks from Nexi.

Samsung Pay supports contactless payments via NFC or MST (To pay the point of sale terminals that only support physical cards)). You can also pay with your phone in the metro in Paris: just bring your smartphone, even with the extinguished screen, to the turnstiles allowing contactless payment at the entrance and exit.

To activate Samsung Pay, You must have the application, Register for the service with your Samsung account, select “Add a map”To record your card, supervise it and follow the instructions to complete the configuration. When you pay with Samsung Pay, your credit or debit card data is encrypted in a secure space. This is a secure means of payment thanks to IRIS CC scan or PIN code identification, tokenization of card data and data protection with Samsung Knox.

The application also allows you to add and manage loyalty cards of your stores and favorite supermarkets, which can be passed to checkout directly from your phone.

Want to change the bank ? Discover all the advantages of online banks: free bank card, zero account holding costs, mobile and dematerialized services, customer service available, etc.

Satisfy

There is also an application of Italian origin and little known in France (wrongly) to pay with your smartphone. These are satisfy, Designed for those who do not want to switch off with too much money in pockets, but who do not want to cover the costs of a credit card. Satisfy allows you toMake micropaies through your mobile phone, Like a kind of “WhatsApp to send money“, Or in your contacts or in affiliated stores.

To use SAFTPAY, you must first download the application from your store (it’s free)). Then register by entering your phone number, email address and 5-digit PIN code that will be used to access the application each time. To complete the procedure, you must enter your IBAN, and your identity card number. At this stage, charge the account with money and set a spending budget.

Paying with your phone at the store with STATPAY is very simple: just open the application, to select the store in the list where you want to pay, to type the amount and to confirm. The shipment is immediate, And the merchant will only have to accept the request. For transactions up to 10 euros, the service is free, while it costs 0.20 euros if you pay amounts greater than 10 euros.

It is also possible to “earn money“Since satisfy offers the cashback option, that is to say the immediate refund of a percentage of the expense, credited directly on the user’s application once the payment with satisfaction is made. The application you Allows you to participate in cashback and constitutes a viable alternative for those who have no spid.