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The smartphone is increasingly accepted as a means of payment in shops and retail chains.This form of contactless payment is made possible by the technology standard NFC (Near Field Communication).Especially in times of Corona, safe and contactless payment via smartphone is a sensible technology - but how does that actually work?
What payment methods are there with your smartphone?
Mobile payment is made by mobile phone as with a contactless payment using a bank card with an integrated NFC chip.The prerequisite is an app on the cell phone with which the payment process at the cash register is carried out.Which app is required for this depends on the corresponding payment service provider.The best -known providers of this contactless payment technology include the services Apple Pay and Google Pay.The payment app is charged in advance with an amount of value or connected to another means of payment.There are the following variants:
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Credit card: In the payment app you can enter and save your credit card data on your cell phone.The app can then be used like a credit card.
Ducks: You can also provide your data on the checking account in the payment app on your smartphone.The payments are handled via the checking account and corresponding amounts are debited.
Corporation card: In many shops such as drugstores or kiosks, credit cards with various amounts.For example, this is possible with the Google Pay payment app.The code of the credit card is entered in the app.Then you can pay with the reduced credit via the app.
How do I pay contact with my cell phone at the cash register?
If you have set up your desired payment method in your cell phone, pay attention to the shaft symbol (NFC logo) at the terminal at the checkout while shopping.If this sign is present, keep your smartphone like your EC card to the reader at the cash register terminal.The distance between the smartphone and the reader from the terminal should only be a few centimeters.
Some payment apps must be open on the cell phone in order to be able to pay for it.The cell phone will request a PIN, a fingerprint or facial recognition in the payment process as a security question.Then the payment process with the cell phone is completed.
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How does the NFC technology work during the mobile payment process?
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The most important prerequisite for being able to pay with the cell phone or another device is an integrated NFC chip.This is the only way to use appropriate apps on the smartphone.The Near-Field Communication Technology (in German near-field communication) is installed by the default in most modern smartphones.Whether the cell phone has NFC can be checked in the settings under the NFC section.At Apple, the NFC function has been integrated since the iPhone 6.
During the payment process, the provider's required payment data is transferred directly from the smartphone to the reader by short -haul radio.Therefore, the cell phone must be kept close to the reader of the cash register terminal.The card number is only exchanged in encrypted, which happens in the form of a token.This token includes a randomly generated number, which symbolizes the credit card number without revealing it.
Logically, the contactless payment with the cell phone requires the business capacity of the smartphone.The battery of the device must not be empty and the cell phone must be switched on.An active connection to the Internet (via WLAN or mobile data) is not absolutely necessary.However, a connection to the servers of the app provider should be ensured for mobile payments at regular intervals.After repeated offline payments, you have to have an internet connection with the mobile payment so that you can then continue to be paid without the Internet.At the Sparkasse, ten payments without an active internet connection are possible.
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What about data protection?
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During the contactless payment method with the cell phone, information about buying behavior is transmitted to some app providers.Third parties can also participate in the data of the payment processes.This depends on the service of credit institutions, payment service providers and dealers.With this information, companies can analyze their customers' buying behavior and create user profiles.For example, customers can be sent to personalized advertising messages on the smartphone.
The respective providers must inform their customers of what happens to the personal data.Credit institutions are often less interested in analyzing private data on shopping behavior.However, it cannot be ruled out.If you attach great importance to anonymity in payments, you should rather use cash or find out about cryptocurrencies such as Bitcoin or Ethereum.
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What limits are there for contactless payments?
In order to reduce the risk of misuse when paying by mobile phone, a PIN must be entered from an amount of 25 euros or 50 euros.The exact limit of payments without PIN is depends on the respective app provider and credit institution.After five contactless payments with the smartphone, the PIN must also be entered for safety reasons.If the terminal can process the safety functions such as cell phone PIN, fingerprint or facial recognition from your own cell phone when paying with smartphones, these measures are used instead of the card PIN.
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What apps are there for contactless payments?
The selection of apps that you can use to pay with your smartphone or smartwatch is getting bigger and bigger. Die Apps werden von Banks, Techfirmen, Zahlungsdienstleistern sowie Bonusdiensten angeboten.An overview:
Banks (z.B.Deutsche Bank Mobile, Paydirekt, Sparkassen-Wallet, Volksbanken Raiffeisenbanken, Commerzbank, N26, DKB, Comdirect, BW-Bank)
Tech companies (Z.B.Apple Pay, Google Pay, Samsung Pay, Garmin Pay, Swatchpay, Fitbit Pay)
Payment service provider (Z.B.PayPal, Glase, Vimpay, Revolut)
Bonus services (Z.B.Payback Pay)
How can I use Apple Pay?
Apple's payment service has been available in Germany since 2018.Large credit institutions such as the Sparkasse or Commerzbank have only activated the Apple Pay payment service for credit card and later also for Girocard users.Apple Pay can also be used online in the browser or within other apps online.
If you want to use Apple Pay for contactless payments on the go, you need an iPhone or an Apple Watch.First the credit or EC card is added via the pre-installed app wallet.The corresponding bank details are entered here.The bank then checks whether the payment method may be used on the device.In addition to the Wallet app, Apple Pay can also be set up and released directly in the banking app of the credit institution or the payment service provider.
In order to pay contact with Apple Pay in stores, the wallet app with the stored payment card must be open on the iPhone.At the checkout, the side button must then be pressed twice, whereupon the authentication starts.This is done by face recognition (Face ID) or enter the mobile phone code.With a fingerprint (touch ID) you can also pay.Then the smartphone with the upper end of the housing is held as in the case of a card payment to the reader of the cash register terminal.
With the Apple Watch, the side button is also pressed twice for contactless payment and held to the reader.If the transaction is successful, a corresponding message appears on the display.
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How does Google Pay online?
Google Pay has also been around in Germany since 2018.Partners in Germany include Visa, Mastercard, Commerzbank with Comdirect as well as the online banks N26 and Boon.The prerequisite for this is a smartphone or a smartwatch, which or which Android has as a operating system.Several credit and debit cards as well as your own PayPal account can be stored on Google Pay.
The contactless payment process with Android devices is similar to that of iOS devices.In order to be able to pay online with Google Pay, you should pay attention to the Google Pay logo when paying.After clicking on the logo on the website or app, the stored cards open.After selecting the card, Google Pay will safely send the payment information and the delivery address to the dealer.So the creation of a customer account, registration or filling out a form is unnecessary on the website or app.
