Contactless phone payment: the 3 best options of 2020

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The number of contactless payments has grown since the introduction of contactless in 2007. And with our ever-increasing reliance on mobile phones, it’s no surprise that contactless phone payments are on the rise as well.

If the world of contactless on your phone is new to you, we’re here to help. Here’s a look at the top 3 options for contactless phone payments in 2020.

Google pay

Once upon a time, Android Pay for in-app purchases and Google Wallet store transactions. But in 2018, internet giant Google merged the two to create Google pay.

You’ll find Google Pay preloaded on all post-2015 Android devices with near-field communication (NFC) or host card emulation (HCE) capabilities. These are essentially the technological elements that allow a phone to make a contactless payment.

Google Pay is secure and easy to use. Each card you load into your Google Pay app will be assigned a virtual account number, so your full card details will never be shared with the provider.

On top of that, Google Pay requires you to set up a screen lock. The type of screen lock will depend on the device you have. Screen lock means that if your phone is lost or stolen, the app cannot be used because it cannot be authenticated.

Google Pay is widely accepted on all terminals with contactless payment capabilities.

As it is compatible with a number of different Android devices, Google Pay is one of the most widely used mobile contactless payment apps here in the UK.

To learn more about setting up Google Pay on your phone, check out our ultimate guide.

Apple Pay

If you have an iPhone 6 or higher, you will have Apple Pay at your fingertips. Apple’s contactless phone payment option is preinstalled on your device, so there’s no need to download an additional app.

Apple Pay is a secure and convenient mobile payment option. When you add a card to the Wallet app on your iPhone, its details are encrypted and stored only on your device. Apple also replaces your card details with a device account number, so your card details will never be shared with the seller during a transaction.

Apple also has very secure identity verification. To use Apple Pay, you’ll need to use the Touch ID sensor or Face ID verification. This extra layer of security will prevent the use of the app if your phone is lost or stolen.

Apple Pay is widely accepted. It can be used on any terminal accepting contactless payments.

The main limitation of Apple Pay is that it is only available on Apple devices – so this won’t be of much use to you if you are set up with an Android device.

To learn more about setting up Apple Pay on your phone, check out our ultimate guide.

Samsung Pay

Samsung Pay is Samsung’s answer to Apple Pay and Google Pay. This contactless phone payment option is exclusive to Samsung devices. It can be found on a Samsung Galaxy S6 or one of the newer models.

Samsung Pay uses tokenization and biometric technology to protect you. Your card details will never be stored or shared with the seller. Once again, your card details will be replaced with a device account number. And every time you make a payment, a token is used instead of your debit or credit card number.

It also has secure identity verification. Each payment must be authorized by a fingerprint or iris scan, which makes it almost impossible for thieves to use the app.

Like the other options, Samsung Pay can also be used on any terminal displaying the contactless symbol.

One thing that makes it slightly different from Google Pay and Android Pay is that Samsung Pay also works with older magnetic stripe terminals, as it has Magnetic Secure Transmission (MTC) technology. However, this is less important here in the UK, as most of the old magnetic stripe system has been replaced by contactless card readers.

To learn more about setting up Samsung Pay on your phone, check out our ultimate guide.

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