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Gone are the days of bulky wallets and heavy coin purses - the era of contactless payments is upon us, and cash is taking a back seat. While contactless debit and credit cards are commonplace, not everyone knows how to make contactless payments on their mobile phones.
Last updated: 16th Oct 2018 at 4:33pm
Apple Pay, Samsung Pay and Google Pay are the three most well-known and most used mobile payment apps. Let’s take a look how you can set one of these up on your smartphone and start paying for your shopping with just a touch!
When we talk about mobile contactless payments, we may sometimes use the term “mobile wallet”. And it’s exactly what it sounds like! Your smartphone is linked to your credit and debit cards, creating a virtual “wallet” which you can use to pay for purchases online and in-store using a contactless card reader with near field communication (NFC) technology.
So, how do you link your phone to your debit card? Most mobile payment apps will ask you to either enter your card details manually, or take a picture of it to upload the details to the system. Then, your bank might require you to verify that you’re the one pairing the card with the phone by sending you a text, an email, or calling you. Once they’re satisfied that nothing fraudulent is going on, your card will be set up in your phone and you’ll be ready to start using mobile payments!
Mobile payments are just as secure as other types of contactless payments. Your card details are stored only on your phone, and they’re fully encrypted so no one can access your information. Neither your phone manufacturer nor the shop you’re purchasing from will get access to your card details!
What’s more, you can set up a PIN number or use your fingerprint (or facial recognition if you own an iPhone X) to use whenever you pay for something with your phone. This means that no one else can launch the mobile payment app - keeping your money safe even in the event of your phone being lost or stolen.
You should be able to pay for purchases using your smartphone wherever “normal” (a.k.a card) contactless payments are available. However, there is a £30 limit per transaction - so if your total is above this amount, you’ll have to use the good old chip-and-PIN.
Mobile payments can also be used online. Instead of entering your card or PayPal details at checkout, your smartphone might ask you to simply authenticate your payment using your fingerprint or face. It’s that easy!
You should be able to set up and use a mobile wallet with most recent smartphones, as long as they’re NFC-enabled. Here’s a list of devices you can use:
Apple Pay: iPhone X, iPhone 8 and 8 Plus, iPhone 7 and 7 Plus, iPhone 6, 6s, 6 Plus and 6s Plus, iPhone SE
Google Pay: All NFC-enabled Android phones running on Android K or higher.
Samsung Pay: Galaxy S9 and S9 Plus, Galaxy Note 8, Galaxy S8 and S8 Plus, Galaxy S7 and S7 Edge, Galaxy S6, S6 Edge and S6 Edge +, Galaxy Note 5
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