Contactless payment by phone

All banks now offer a service mobile payment without contact. Ask your bank to find out which solution it offers and how to activate it. Most often, it is a question of adding your bank card to the dedicated application (ex: Apple Pay, Google Pay, Samsung Pay …). Once you have saved your card on the phone, you can use it as an alternative to your physical bank card. The contact details, Entry into the mobile application, are immediately quantified. They are not stored on the phone.

How to pay with your phone ?

We transport our smartphone everywhere with us, so why not use it as a means of payment ? Here is the procedure to pay with your phone.

If you tend to forget your portfolio, this latest generation system is made for you. Just have a smartphone and have downloaded a payment application. If you fear for the Safety of your banking information, Don’t worry, all of these payment systems are highly secure. You can only have access to it by authenticating beforehand via facial recognition, a secret code or a fingerprint. In addition, the scope of the chip responsible for payment is only 10 cm at most. So what are you waiting for to test payment by phone ?

Pay with your phone: how it works ?

In shops, a logo tells you about the possibility or not to pay by phone. When this method of payment is available, You can pay for up to € 1,500. Unlike contactless payment by credit card, Payment by phone is not limited to a ceiling of € 50. On the other hand, this only works with phones recently recent to be equipped with an NFC chip. The smartphone in question must also have a payment application. The acronym NFC means Near Field Communication and allows the transmission of data, remotely, for example, from your phone to the payment terminal. However, these must not not be far from more than 10 cm. Before you can pay in this way, you must authenticate on the application that you will use. This precaution makes it possible to secure the transaction and to prevent malicious people from using your phone to pay for you.

What applications to pay with your phone ?

Several applications allow you to pay with a phone. We can cite, for example, toPPLE PAY, ORANGE Cash, Paylib, Google Pay, Paypal, Samsung Pay or Lydia. Once the application of your choice has been downloaded, enter your bank details. Once these are recorded, it will not be necessary to return them again … You can now use this payment method as often as you wish. You will suffice you to approach your smartphone from the payment terminal after being identified via a code or facial recognition. Note that it is also possible to pay with a connected watch with an application of this type.

What are the banks compatible with Samsung Pay ?

There are several banks compatible with Samsung Pay. Indeed, since the democratization of online purchases and payment systems via mobile, banks have decided to follow the initiative. If at the start, this practice was poorly seen and questioned the protection of personal data as well as the safety of uses today, thanks to a mutation of end -to -end figures, Bank accounts are very secure and promote online purchases. Besides, as aforementioned, The phone serves as a bank card today with Google Pay. With or without contact, you can pay your items at checkout with your phone. Banks that use this technology are in particular:

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Contactless payment by phone

Paying with his bank card, without contact, has entered our habits in France. Less used, contactless payment by phone works with somewhat different terms. It is called m-payment or mobile payment.

What is contactless payment by phone ?

Contactless payment by phone also called mobile payment Or even M-payment consists in using your smartphone to make purchases from a merchant without having to enter your confidential code, as for a contactless payment with the bank card. The amount of payment only concerns operations limited to 50 euros (contactless ceiling).

How to benefit from contactless mobile payment ?

3 conditions are necessary to be able to pay by mobile without contact:

• Your phone benefits from NFC technology,
• Your bank offers service,
• You have saved your card in the “wallet” or “cards” application of your smartphone.

All latest generation smartphones are now endowed with a NFC chip (Near Field Communication). It thus makes it possible to establish a communication and to exchange information automatically and above all very quickly between 2 compatible devices. It may be necessary to activate it on your smartphone. The two devices must be located at short distance (a few centimeters). It is the same technology that your bank card uses for contactless payment.

All banks now offer a service mobile payment without contact. Ask your bank to find out which solution it offers and how to activate it. Most often, it is a question of adding your bank card to the dedicated application (ex: Apple Pay, Google Pay, Samsung Pay …). Once you have saved your card on the phone, you can use it as an alternative to your physical bank card. The contact details, Entry into the mobile application, are immediately quantified. They are not stored on the phone.

How does it work with contactless mobile payment ?

Up to 50 euros : just approach your smartphone from the contactless TPE of the merchant. Your phone can be locked. Wait for the activation of all light signals and sound beep.

Beyond 50 euros : to validate the transaction, you will have to identify yourself. The authentication mode may vary depending on the phone model or the mobile payment service used. It can be one:

• password or personal code specific to the mobile payment service, most often customizable. You must never communicate this specific code;
• Biometric element, such as digital imprint (Touch ID) or facial recognition (Face ID). Solutions that have developed largely with new mobile phones.

In this case, it is with your smartphone that you interact, and not with the merchant’s TPE.

Once the transaction has been validated, the merchant’s payment terminal generates a receipt, which is to be kept, as for a normal payment. It will no longer be systematic from August 1, 2023.

Note: the same solution is available for connected watch holders. They then use dedicated technology (Apple Watch, Fitbit Pay for example).

What security ?

As with the contactless card, Information cannot be intercepted. You can Disable mobile payment at any time in your phone “settings” or the “parameters” of the dedicated application.

In case of loss or flight from your mobile phone, notify your telephone operator without delay. And call your bank (at the same number as the number ofopposition card) so that your phone cannot be used to perform fraudulent payments. The mobile payment service will be put in opposition. Also remember to wear complaint with a police station or the gendarmerie.

Note: in the event of an unauthorized transaction, you have 13 months to contest it with your bank and be reimbursed. Please note, this period is 70 days for payments made outside Europe.

Finally, as a precaution, as soon as you do not make purchases, you can leave deactivated the NFC functionality.

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