Use the NFC: how to pay without contact with your smartphone

The payment order is therefore given without signature and without presentation of identity document.

What is contactless payment ?

Contactless payment is a quick payment method, by bank card or mobile phone. You can use it to make purchases of a small amount from a merchant equipped with a special case. For a given period (per day, per week or per month), the cumulative amount of contactless payments is limited.

• Bank card
• Phone

Bank card

Contactless payment allows you to make a purchase by approaching your bank card less than 4 centimeters from a special case called Electronic payment terminal (TPE) .

The payment order: Titlecontent is therefore given without composition of secret code, without signature and without presentation of identity document.

For security reasons, the maximum amount of contactless payment is limited to € 50 per operation.

Your bank sets a ceiling to the cumulative amount of authorized “contactless” purchases (per day, per week or per month).

The maximum number of authorized consecutive transactions is also limited.

When a ceiling is exceeded, you must use another means of payment or pay by inserting your bank card in TPE.

Phone

To use a mobile phone as a means of payment, the following 2 conditions must be met:

• Your phone must be equipped with the NFC system (” Near Field Communication “),
• Your bank must offer a mobile phone payment service

Contactless payment allows you to make a purchase by approaching your phone less than 4 centimeters from a special case (often called terminal )).

The payment order is therefore given without signature and without presentation of identity document.

For a purchase of a small amount (20 € or 30 € approximately), payment is made without entering the code.

For a upper, You may be asked to perform one of the following 2 operations:

• Enter your confidential code on the keyboard of the merchant’s payment terminal
• Enter a password on your phone (different from the confidential code of your card).

Your bank sets a ceiling to the cumulative amount of authorized “contactless” purchases (per day, per week or per month). The maximum number of authorized consecutive transactions is also limited.

When a ceiling is exceeded, you must use another means of payment.

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Use the NFC: how to pay without contact with your smartphone

NFC technology allows you to use your smartphone to make contactless payments. Here is what you need to know to use it well.

The NFC, what is ?

You probably know the payment by contactless bank card. So you already know the NFC ! The NFC is the fact of being able to exchange information by radios between two aircraft, thanks to a very simple principle: it is simply enough to bring it closer to each other. A large part of the bank cards, but also of mobile phones, is already equipped with this technology. In recent years, it is indeed possible to make a contactless payment with your smartphone. On your smartphone, the possibilities brought by the NFC do not stop at payment, and new applications are in preparation. Some digital tablets and headphones are also equipped with this technology.

How to use the NFC ?

To use the NFC to pay a purchase, your smartphone must first be equipped with this option. It must then be activated in your phone settings, and configure a payment method. Once the NFC is activated and configured, you can pay with your smartphone at all traders who have a contactless terminal. Just bring your smartphone closer a few centimeters from the device. Between two Android smartphones, you can also make a data transfer thanks to the NFC, as you would in Bluetooth. Just bring them closer to a few centimeters, then validate the option “Press to share”. Rather slow, this method is however recommended for not large files.

Can we use the NFC in public transport ?

According to the same process, in a number of large cities, a configured smartphone gives access to public transport equipped with NFC. After the City of Nice, which adopted dematerialized payment in 2010, Clermont-Ferrand, Toulouse and Strasbourg have for example set up the Title de Transport without contact. In the Paris region, the Vianavigo application allows, under certain conditions, to recharge and validate its transport titles directly from certain smartphones.

How to read a tag nfc ?

NFC tags are small labels that contain an NFC chip. These labels can be found on a poster, a small object or on the packaging of a product, for example, which allows your smartphone to access specific information (times, promotions, technical characteristics. )). This information is generally obtained after your smartphone is connected to a specific information web page. This method is therefore even simpler than a code, since it is enough to approach your phone from the tag nfc.

Opening a door with the NFC is possible ?

Many applications are in preparation to increase the possibilities of NFC smartphones. Among the current projects or achievements, some concern intelligent locks. For example, it will soon be possible to open the door of a car and even transmit this possibility to the smartphone of a friend or family member, thanks to the Carkey service of Apple. Other industrial players should offer similar possibilities for housing and corporate locks.

NFC on Android, how to take advantage of it ?

The majority of recent Android smartphones are equipped with the NFC. To activate it, go to the “Settings” tab, choose “Plus” from the “Wireless and network” menu, then select NFC (and possibly the Android Beam option for data sharing). If you wish, you can also activate the mobile payment function. This activation operation only lasts a few minutes, but it assumes that you are under cover of the mobile network (2G, 3G or 4G) to operate. On Google Play, you will find additional technical possibilities, via NFC specialized apps.

NFC on iPhone, how to take advantage of it ?

Recent iPhones are equipped with NFC. To configure mobile payment, via Apple Pay, you will have to add it to Apple Wallet. Also note that there are many options to pay for your Apple purchases on your mobile bill. In addition, to open up wider technical possibilities, look at the NFC specialized apps on the AppStore.

NFC payment: what to do in case of fraud or theft ?

The majority of mobile payment services limit the amount of contactless payment to 20 euros. For greater sums, security is set up. Depending on the rules of the service to which you have subscribed, you can ask you for a code, facial recognition or fingerprint recognition to authenticate your payment. Then, it will sometimes be necessary to present your smartphone a second time, to confirm the operation. In the event of fraud or theft of your smartphone, payments are covered by means of means of payment. Do not forget to oppose to block any subsequent transaction.

• The NFC is a technology that allows information to be exchanged between two compatible devices, simply by bringing it closer to a few centimeters from each other.
• If you have an NFC smartphone, you can use it to make contactless payments from merchants who have compatible payment terminals.
• In addition to contactless payment, the NFC allows many applications: to exchange data between two smartphones, consult information thanks to a tag NFC on .