How to make a contactless payment with your phone?, Mobile payments | Pay by mobile | Visa
Pay with your phone
Contactless payment, whether with a bank card or with a phone, uses NFC technology. The “Near Field Communication” (NFC) in English, called “Communication by near field” in French, is Short -range wireless technology. It makes it possible to transmit information (banking in this case), between two peripherals, and this, over a distance of 10cm maximum.
How to make a contactless payment with your phone ?
Make a contactless payment with a phone has become commonplace (this is the case to say) for a few years now. But how does it really work ? What is the necessary technology to pay with your phone ? What are the places that accept contactless payment with a phone ? To answer all these questions, and many others, here is our full file !
You are looking for a mobile operator adapted to your needs ?
- The essential :
- To make a contactless payment with your phone, it must be Equipped with NFC technology.
- You can pay in contact with your phone without contact All establishments equipped with a contactless payment terminal.
- It is systematically necessary to unlock your phone to make contactless payment.
- If you have an Android smartphone, you can use the system Google Pay, and iPhone will use the system Apple Pay.
- You can also Make a contactless payment with your phone thanks to the Paylib application, Created by a group of French banks.
Contactless payment with a phone
Contactless payment with a bank card is an already well anchored gesture in manners. Practical, simple and quick, it is a means of payment that has attracted most consumers in France and in the world. But what about contactless payment with your mobile ? Let’s do a check in.
Contactless payment with your smartphone: how it works ?
Contactless payment, whether with a bank card or with a phone, uses NFC technology. The “Near Field Communication” (NFC) in English, called “Communication by near field” in French, is Short -range wireless technology. It makes it possible to transmit information (banking in this case), between two peripherals, and this, over a distance of 10cm maximum.
To make a contactless payment with a phone, The two peripherals must be equipped with the famous NFC technology. You must therefore, above all, check that your smartphone is well equipped with this technology. It is, very concretely, a chip that is inserted into the phone at the time of its manufacture. You can check on the brand’s website of your phone, to see if your smartphone model is equipped with it. If this is not the case, it is unfortunately not possible to add it later. It will then be necessary You equip a compatible smartphone to be able to use this payment method.
Contrary to what you are used to seeing or doing, it is not necessary to put your credit card or your phone on the payment terminal so that it takes place. You can simply stay above the payment terminal for a few seconds, less than 10cm, and it will be made. It’s a tip that can be useful If you want to limit contacts, particularly as long as the hygiene barriers are required.
To succeed in paying with your phone, if it is well equipped with NFC technology, you must Download a mobile payment application. For some phones, it can already be installed on the phone at the time of purchase, for others, you will have to go to your Google Play Store (Android) or to your App Store (iOS) to download it. Using a dedicated mobile application is the only way to Secure your bank data and mobile payments. We will present the different existing applications to you, a little further in this article.
Fancy a mobile offer to benefit from a new NFC compatible smartphone ? call him 09 75 18 80 51Or ask to be recalled for free. Our advisers will guide you in your choice of mobile package to find the offer that will best meet your needs, and allow you to pay with your smartphone.
In which establishments can you pay with your phone ?
If your smartphone has NFC technology, you can then Pay with your mobile in all shops and establishments with a contactless payment terminal. In other words, if you can pay without contact with your bank card, then you can pay with your phone. It’s that simple !
When you enter a store or restaurant for example, check that the payment terminal has The symbol of contactless payment. If in doubt, simply ask the manager of the establishment if he accepts this payment method. In France, the vast majority of shops are equipped with this type of terminal, even small independent traders. To tell the truth, it is even a method of payment that they appreciate, because Banking costs that apply for them are often less important that for a conventional payment. It is therefore fast and advantageous for the customer and for the merchant !
What are the costs when you want to pay with your phone ?
Contactless payment with a phone is free in the majority of cases. Mobile contactless payment applications are free, But it is at your bank level that costs may apply. As a rule if you do not have a fee when you pay without contact with your bank card, You should not have a fee for contactless payment with your phone. Make sure you can check the clauses and terms of your bank account regarding contactless payment. There may also be clauses dedicated to mobile contactless payment, and specific information in the event of third -party applications.
You can also inquire with your bank to find out if it offers, or if it is a partner, of a mobile payment application. Crédit Agricole, for example, offers its customers to use the Paylib application so that you can pay with your phone. This service is free, and is available in the “my card” application of Crédit Agricole. In this case, this corresponds to a virtual copy of your physical bank card, that you find in your phone instead of your wallet.
Pay with your Android or iPhone phone: what differences ?
| Google Pay Android smartphone | Apple Pay iPhone (iOS) | |
|---|---|---|
| Free use | ||
| Online payment | ||
| Store payment | ||
| Method to make payment | Simple phone unlocking | Facial recognition or digital imprint |
Fancy a package with smartphone to pay without contact ? Call us at 09 75 18 80 51 Or Ask to recall for free. Our advisers will help you choose the mobile package and the smartphone best suited to your needs.
Contactless payment on Android with Google Pay
If your phone works with the Android operating system, there is a good chance that the “Google Pay” app is already installed. This is a electronic wallet that allows you to record your bank cards and be able to pay with, online or in store. To function properly, Google Pay requires that you have the latest version of Android on your phone, a simple and free update can be performed if this is not the case. For pay with your phone and Google Pay Here are the steps to follow :
- Download, or open the Google Pay app,
- Enter a bank card in the application, either by typing your card numbers, or by putting your card against your phone,
- Go to a store equipped with an electronic payment terminal (VSE) offering contactless mode,
- Unlock your phone,
- Approach your phone less than 10cm from TPE, and that’s The transaction is carried out !
Insofar as Google Pay does not require unlocking other than that of the phone, we advise you to protect your smartphone well with a code, a password, facial recognition or your digital imprint. Be without fear, no transaction can be done if your phone is locked. It’s up to you to find an indecipherable code, but don’t forget it either, it would be a shame !
If you have an Android smartphone, you can use another contactless payment system than Google Pay. For owners of an iPhone on the other hand, only Apple Pay will be accessible and usable for your payments in stores.
Contactless payment with an iPhone and Apple Pay
At Apple, if you want to make shopping in stores with your iPhone, You must go through Apple Pay. This application, also included in the phone when you buy it, allows you to store one or more bank cards, securely and freely. If you just want to transfer money to relatives, or make online shopping, you can use another mobile payment application. For Make a contactless payment with your iPhone in store, Here are the steps to follow:
- Open your Apple Pay application,
- Enter one or more bank cards in the application,
- Visit to an establishment equipped with a contactless TPE, or a specific TPE for Apple Pay,
- Authorize the transaction with facial recognition or your fingerprint,
- Approach your iPhone less than 10cm from the payment terminal, And that’s it, it’s settled !
Be careful in the event of theft of your phone, you must oppose the bank cards recorded on your payment application. Also notify your mobile operator so that your phone can no longer be used. The customer services of SFR, Orange, Bouygues, Free and all operators in general, are often reactive in this case.
Contactless payment applications with a phone
On the contact without contact with a phone, Many players have been born in recent years and have been offering all-in-one services. Faced with this resurgence, traditional banks have united to create a secure and efficient payment system: Paylib. Let’s take stock of all the possibilities available to you.
Applications that offer contactless payment via smartphone
If you want to be able to Contact with your smartphone, And that your traditional bank does not allow it, one of the most popular solutions is to open an account with a “neobank”. A neobank allows you to open an electronic wallet, often for free, and to obtain a physical payment card, a virtual card, or both. This does not replace a traditional bank because the services offered are not as complete. For example, you cannot be in an overdraft, you cannot benefit from bank loans or advise. The idea is therefore not to replace your traditional bank, but to offer you an alternative to manage your money and payments.
Among these online carriers, there are actors like Revolut, N26, Lydia and many others. What they have in common is the 100% dematerialized management of your account and your wallet. Just download the mobile application to open a account and get a bank card (physics or virtual). Once your card has been generated, you can integrate it in Google Pay or Apple Pay to proceed Your contactless payments with your phone.
Neobanques sometimes take commissions on your money withdrawals from a certain amount, or a number of withdrawals. Contactless payment by telephone is one of the free services in the vast majority of cases.
Paylib: the mobile application developed by banks
Faced with the massive arrival of neobancs and new banking services, many French banks have come together to create Paylib. Today, this is the only real Alternative to Google Pay if you want to pay without contact with your Android smartphone. Paylib offers three services to allow you to better benefit and manage your money: contactless payment from the mobile application, online payment and payment with friends. This last service facilitates the sending and receipt of money between two people with a Paylib account. It is a service also offered by neobancs that we were talking about earlier in this article.
Completed the area of bank transfers which take several days to arrive ! With the principle of “payment with friends”, you Receive the money instantly on your electronic wallet, and can spend it without delay in store or online, thanks to contactless payment by phone or online payment. It is a new way to give yourself money with friends, more secure and faster than the exchange of tickets from one hand to another (even if one does not prevent the other) !
You want a new package with smartphone to be able to use Paylib ? Contact us at 09 75 18 80 51 (Monday at Friday 8 a.m. to 9 p.m., Saturday 9:30 a.m. to 6:30 p.m., Sunday 9 a.m. to 5 p.m.). Our advisers will help you choose the mobile package and the smartphone best suited to your needs.
Paylib is currently offered by more than 15 banking establishments: Crédit Agricole, BNP Paribas, La Banque Postale, Société Générale, Crédit Mutuel Arkéa, BPCE, Federative Bank of Crédit Mutuel and some of their respective subsidiaries. If you are a customer with one of these banks, you should be able to install and Use Paylib directly from your banking mobile application.
| Bank | Online payment | Store payment (incompatible iPhone) | Payment with friends |
|---|---|---|---|
| Agricultural credit | |||
| BNP Paribas | |||
| The postal bank | |||
| Societe Generale | |||
| Caisse d’Epargne | |||
| Popular bank | |||
| Mutual credit |
This comparison table is not exhaustive. To find out more about the Paylib services offered by your bank, contact your advisor or appointment directly on the customer area of your bank.
Frequently asked Questions
Who accepts Paylib payment ?
All the biggest banks are compatible with The Paylib application. This is the case for example of Crédit Agricole, BNP Paribas, La Banque Postale, Société Générale, Hello Bank!, Boursorama Banque, Crédit Mutuel Arkea, Banque Populaire, Caisse d’Epargne, Crédit Mutuel, CIC.
Is Paylib free ?
Paylib is a mobile payment service without contact And it is indeed free. There is no additional costs on your transactions.
Updated on 02/14/2023
Pauline worked on Echos du Net between 2020 and 2022 and supervised the editorial team in particular.
Pay with your phone
Discover Visa, a network that contributes to protecting contactless mobile payments
To easily add your Visa card to your mobile ..
From your mobile: click here
From a computer or tablet: scan this QR code with your mobile.
Add your visa card to your mobile without delay
- Open your payment application
- Press “+” or “Add”
- Scan your card or enter your numbers manually
- Accept bank conditions
- Accept the authentication request sent by your bank
Subject to availability of contactless payment by mobile with your bank.
Find out how to become a contactless mobile payment champion
- Open your payment application
- Authenticate yourself with your phone
- Place your mobile on the payment terminal
- That’s it !
Team visa = Visasous team Team availability reserve of contactless payment by mobile with your bank.
Take advantage of the security of contactless mobile payment and discover its advantages:
Now that you have recorded your Visa card in your mobile application and that contactless mobile payment has no secrets for you, take advantage of all the advantages of this payment method.
Ultra secure payments
Like our queens of the night, you can secure your contactless mobile payments by fingerprint … or with the authentication mode of your choice: facial recognition, code or diagram.
See the security conditions applicable according to your mobile.
Your secure payment data
Because they are very precious, Visa helps protect your personal data during your contactless mobile payments.
Payment even beyond € 50
Push your limits and those of contactless payment by paying your purchases with your contactless mobile.
Subject to availability of contactless payment by mobile with your bank.See the conditions applicable to your bank for authorized payment limits.
Still not convinced ? Discover the advantages in image of the contactless mobile payment
Ultra secure payments for your purchases
Whether for your everyday purchases, to please or have fun. Your contactless mobile payments are secured via security by facial recognition, digital imprint or code.
In two words: simple and practical
Having your visa card on your phone is being able to get out of your home with your mobile and thus be able to make mobile payments even beyond € 50.
Subject to availability of contactless payment by mobile with your bank.See the conditions applicable to your bank for authorized payment limits.
Contactless Paylib
With Paylib, you pay all your purchases with your bank card from the CB Visa range in contact with contact with your Android smartphone. Even beyond 50 €.
With Paylib, you pay all your purchases with your bank card from the CB Visa range in contact with contact with your Android smartphone. Even beyond 50 €.
With Paylib, you set all your purchases with your bank card from the CB Visa range without seeing more contact with your Android smartphone. Even beyond 50 €.
With Paylib, you set all your purchases with your bank card from the CB Visa range without seeing more contact with your Android smartphone. Even beyond 50 €.
How it works ?
With Paylib on your Android smartphone, you pay all your purchases of a simple gesture. We approach the back of his phone from the payment terminal, we wait for the “beep” and hop, it’s paid ! You keep all the advantages related to your bank card in the CB Visa range.