For making payments, you don’t need to carry a physical card. If you’re wondering how to pay by card from your mobile phone, here are the basics.

What is a wallet and how does it work?

Mobile payment is possible thanks to digital wallets . A wallet is an application that securely stores your credit or debit card details. It works as a virtual wallet and uses technologies such as NFC (Near Field Communication) for contactless transactions. 

Some of the most popular wallets are those embedded in phone operating systems, but there are also specific applications from banks or service providers.

How to set up your card on your mobile?

The process is really simple:

1. Download a wallet: If your mobile phone does not include one in the factory settings, you can download one from the app store. Avoid exposing yourself to any possible fraud and only download those that are trustworthy.
2. Add your card: Enter your card details manually or scan it with your mobile phone camera.
3. Verify your identity: In many cases, you will need to confirm that you are the cardholder by text message or a code sent by your bank.
4. Ready to use the card!

Once set up, you can use your mobile phone to make purchases at any merchant with a contactless-enabled payment terminal.

Use cases: beyond mobile phones

Technology is not only in smartphones. You can also pay with NFC-enabled smartwatches or wristbands. These devices work in a similar way to mobile wallets: you link your card and simply bring the device close to the payment terminal. 

For example, if you’re a person who likes to go running or do outdoor activities, with a smartwatch you can stop to buy water or go shopping without the hassle of having to carry your wallet.

Advantages of paying by card from your mobile phone

• Speed: All you need to do is hold your mobile phone up to the reader and, in a matter of seconds, the transaction is complete.
• Comfort: You don’t have to worry about carrying your physical card or looking for it in your wallet.
• Security:  Wallets use advanced technologies such as tokenisation, which encrypts your data and protects it at every payment. In addition, the devices require authentication to perform the transaction (typically by fingerprint, PIN or facial recognition).
• Versatility: You can use it in a wide range of shops and services, such as supermarkets, bars, shops and public transport.

Tips for safe use

• Protect your device: Activate passwords, fingerprints or facial recognition to prevent anyone else from accessing your wallet.
• Keep the app up-to-date: This ensures that you have the latest security measures in place.
• Verify the payment terminal: check that the merchant is trustworthy and that the device’s reader is enabled for contactless payments.

Learning how to pay by card on your mobile phone improves your shopping experience. Both for its convenience and ease of use, this method is a good alternative to traditional payment methods. Always bear our advice on how to use it safely in mind.