Contactless technologies are transforming the way we make payments. One of the main features are NFC cards, a term that refers to a simple and practical tool that you probably already use.

NFC cards: What are they?

An NFC (Near Field Communication) card is a payment card equipped with Near Field Communication technology. This technology allows information to be transmitted wirelessly between the card and a receiving device, such as a dataphone, as long as they are within a few centimetres of each other. 

The most remarkable thing about these cards is that you don’t need to insert them into the terminal or use a PIN for low value transactions. Simply hold your card up to the reader and the payment is made in a matter of seconds. 

Usage cases: Speed and convenience

The main use of NFC cards is to make payments quickly and securely. A clear example is in supermarkets or bars, where speed of payment is important. When the card is brought close to the NFC-enabled POS (Point of Sale Terminal), the payment is processed instantly, saving time. 

In addition to payments, these cards can also be used on public transport in some cities, replacing physical tickets or monthly tickets; and in access to buildings or events if they are configured to do so. 

Are NFC cards secure?

Security is a major concern when it comes to payments. NFC cards are designed with advanced measures to protect your transactions. For example: 

• Interaction only occurs when the card is in close proximity to the reader, which minimises risks. 
• Many small transactions do not require a PIN, but for larger amounts you will be asked to enter your security code. 
• They have encryption mechanisms that make it very difficult for anyone to intercept the information. 

Types of NFC cards

Most of today’s debit and credit cards already include NFC technology. However, there are also other formats that use this technology, such as prepaid cards or specific cards for public transport. Although the basic operation is the same, each type is adapted to a specific need. 

Advantages of using an NFC card

• Speed: Payments are almost immediate, ideal for situations where you are in a hurry. 
• Comfort: No need to insert the card or enter the PIN for small purchases. 
• Flexibility: It works in shops, transport, vending machines, etc., among other environments. 
• Accessibility: Most establishments already accept this technology. 

Recommendations for daily use

If you already have an NFC card or are thinking of getting one, here are some tips: 

1. Check payment limits: Find out what amounts are allowed without a PIN to avoid surprises. 
2. Activate notifications from your bank: This way you will be aware of every transaction made. 
3. Take care of your card: Although it is safe, avoid using it in places you don’t trust. 
4. Use alternatives: If you prefer not to carry a physical card, many of them can be linked to your mobile phone or smartwatch. 

Now that you know what an NFC card is, you can take advantage of all its benefits and simplify your payments.  Contactless technology has become part of our daily lives, and contactless cards are the perfect example of how innovation can make our lives easier.