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Why NFC on phones? (sh.itjust.works)

submitted 3 days ago by emergencyfood@sh.itjust.works to c/asklemmy@lemmy.ml

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Sometimes on phone reviews I read that a certain model, often one released in a Western market, uses NFC for payment. In my country, mobile payments use QR codes so any phone with a camera can use them. Does NFC have any advantage over such a system?

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[–] catdog@lemmy.ml 43 points 3 days ago (2 children)

TIL not every country uses NFC for contactless payments.

FYI, metadata of any of those payments are routed through Apple or Google systems. Use a physical card (with or without NFC) instead if you don't want this.

[–] emergencyfood@sh.itjust.works 6 points 3 days ago (1 children)

The backend is a government system called NPCI. The frontend can be any app that follows the standards laid down by NPCI. This includes Google Pay, Walmart's Phonepay, SoftBank's PayTM and NPCI's own BHIM. Many banks also have their own apps, but most of these are BHIM reskins.

[–] catdog@lemmy.ml 7 points 3 days ago* (last edited 3 days ago) (1 children)

In theory, yes.

In practice, most if not all banks in The Netherlands killed their NFC payment module and suggest the use of Apple/Google services instead. I assume this is the same for most smaller countries and banks.

[–] Appoxo@lemmy.dbzer0.com 5 points 2 days ago

But isnt the Apple/Google way still using NFC?

[–] Appoxo@lemmy.dbzer0.com 4 points 2 days ago

It feels like mostly Asian countries are likely to use QR-code while most western (NA and (West-)Europe) countries are likely to use NFC based.
At least that's what I observed with Youtube and my limited traveling.