How to link a card to an nfc phone

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Contactless payment attracts many bank customers due to the speed, convenience and safety of the transaction. To use contactless technology, your phone must have an NFC module, a Secure Element microprocessor (for older smartphones) and a free banking application. Bank card data is stored directly in the payment application.

Payment with a gadget is completely safe due to data transmission over secure channels. Such a card cannot be stolen, copied. The terminal uses a digital code to transmit data on the progress of the payment, which reduces the likelihood of fraud. The released applications allow you to attach several cards of various types to one gadget (gift, discount, debit, credit). Payment can be made in any place where contactless payment terminals are installed.

Which smartphones have the NFC module installed
NFC support is a handy feature that smartphone manufacturers provide. But the module is installed mainly on flagship smartphones and gadgets of the middle segment. As an exception, the contactless payment module is installed on some budget models. You can find out information on the manufacturer's website or in the technical documentation for the gadget.

How to bind a card to an NFC phone if there is no module in the gadget? Use contactless payment devices:

• microchips embedded in clothes, covers, key chains;
• external antennas that are installed under the phone cover (except for smartphones with a side slot);
• SIM with NFC function.

Therefore, you can bind the card to any smartphone model, even if the manufacturer has not installed the NFC module.

Advantages and Disadvantages of Using a Phone
To learn how to bind a card to an NFC phone, you need to get acquainted with the advantages and disadvantages of this payment method. The undoubted advantages of paying with gadgets include:

• Security. The radius of action when connecting the devices is only a few centimeters. The module turns on for a few seconds, which excludes the possibility of reading data from a bank card. To increase the confidentiality of the payment method, a virtual account is used. When paying over 1000 rubles, you must enter the security code, which is set in the application.
• Convenience. Minimal intervention is required for the technology to work. The data is entered once.
• Energy saving. The NFC chip does not require large energy consumption, so payments will not be affected in any way on the smartphone's operation.
• Small size. The chip has a minimum weight and does not affect the weight of the gadget in any way.
• Shopping speed. The phone is always at hand, so the payment speed increases.
• Using bonus programs, discounts provided by the tariff plan.
• Use throughout Russia and abroad, subject to the availability of a contactless payment terminal. Some models of gadgets allow you to pay without going online, which is especially convenient when traveling abroad.

But there are several nuances that can cause inconvenience to the user:

• not all smartphones released support contactless payment technology;
• some companies do not have terminals that allow you to pay with a smartphone;
• if the gadget is discharged, then the payment will not work (for the chip to work, power is needed).

Another feature of the technology is the transmission of minimal information during the purchase process, so payment is made instantly.

How to bind a card to an NFC phone
To pay using your phone, you need to follow a series of simple steps:

• Activate short-range radio communication. For gadgets on Android OS, you need to open the settings menu, go to the "Wireless networks" section. If the contactless payment module is disabled, then enable NFC technology. For gadgets manufactured by Apple, no action is required. The module is activated automatically when the application starts.
• Launch the mobile application. The user can use a pre-installed application from the manufacturer or download any other from the Google Play store or the App Store.
• Enter the data requested by the application. In some cases, in addition to the number, personal data of the owner, validity period, CVV-code, it is required to photograph the card. After downloading the data, a screen lock is activated to prevent fraudulent activities.
• Bank check. You need to wait a few minutes. Accept the terms of the user agreement and enter the confirmation code that will be sent to your mobile number.
• The entered data becomes a virtual copy of the real one. The same balance and personal information is reflected. In this way, you can add any types of cards and discount coupons that support PayPass, PayWave technology.

Any application allows you to add several means of payment, which can be issued by different banks. The main card is the one that was entered into the application first. This information can be adjusted in the settings.

Main applications
An essential point in the question of how to bind a card to an NFC phone will be the choice of an application, since the NFC module is an interface for exchanging data between a gadget and a terminal. All applications are based on one of two operating systems and have slight differences:

• Yandex money. Designed to manage your own virtual payment instrument MasterCard, issued in the presence of an electronic wallet. To write off more than 1000 rubles, you must use the security code that comes to your phone.
• Visa QIWI Wallet. Allows you to make contactless payments with funds located in the QIWI electronic wallet. Payment over 1000 rubles requires confirmation.
• Google Pay. Application for smartphones running on the Android operating system version 4.0 and higher. Allows you to bind any bank cards: debit, credit, virtual, discount, gift. The main advantages of the application:
  • cooperation with most banks;
  • accrual of additional bonuses for participation in promotions or payment for goods;
  • the ability to identify with a graphic password or PIN-code in the absence of a scanner in the gadget.
• Samsung Pay. Used in Samsung phones. Provides the ability to pay at terminals with a magnetic stripe using MST technology (generates a similar signal). Supports payment only on gadgets of the latest version (A5, S6 and higher, as well as their modifications released after 2017). Samsung Pay allows you to make payments in online stores in one click through cooperation with all browsers.
• Apple Pay. Available for owners of IOS gadgets. The service is integrated into the Wallet application and is designed for iPhone 6 models and older. But this application has several disadvantages:
  • limited list of partner banks;
  • using the fingerprint scanner in the application;
  • binding to a specific type of terminal that reads NFC chips.

At the same time, the gadget does not allow installing third-party applications for contactless payments.

There are also specialized applications issued by banks. They are designed to deposit funds only from the bank that issued them. Third-party applications allow you to add bank cards from different credit institutions, which simplifies the payment process. The use of applications is a free service (no commission is charged).