Paying by NFC

Find out what NFC payments involve.

What role does provisioning play in NFC payments?

In connection with payments via near-field communication (NFC), “provisioning” means placing card data on an NFC-enabled smartphone so its user can make mobile payments. The card data is stored in a secure place like the phone’s SIM card.

NFC technology:

  • Enables mobile payments at a point of sale (POS).
  • Permits contactless payments with a debit or credit card.
  • Involves close-range wireless communication between devices.

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Paying by NFC: How do NFC-capable smartphones work?

There are two prerequisites for NFC payments to work: The smartphone and card reader must both have an NFC chip installed, and the relevant bank data has to be stored on the phone via NFC. The bank directly provides the data. For an NFC payment to take place, the two devices have to be very close together. Usually the distance between them may not exceed about 10 centimeters. To make a payment, it’s only necessary to hold one above the other.

Provisioning Area

NFC and payments―what are the uses for this technology?

Thanks to NFC technology, wallet solutions like Google Pay and Apply Pay are growing in importance. It allows quick and easy payments without the need for a physical card.

  • The smartphone works like a virtual card, thanks to provisioning.
  • All current wallet solutions use NFC technology.
  • The standards now in place allow completely secure payments by smartphone.

The standards now in place allow completely secure payments by smartphone.

How NFC payments work


NFC technology can be disabled after successfully making a payment.


Regular updates maximize the security of NFC payments.


In order to make a payment, the user has to unlock their smartphone.

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