Digital wallet apps allow people to link their credit and debit cards to the app. They can then make payments with those cards through a payment service like Apple Pay or Google Pay which is integrated with the wallet app. The payment terminal is able to interface with the wallet app through the near field communication (NFC) chip in the shopper's phone or smartwatch. Because the app is linked to the shopper's credit or debit card, making NFC wallet payments is essentially the same as making a card payment.
Terminal API integrations support the following NFC wallet payment methods:
- Apple Pay
- Google Pay
- Samsung Pay
If your integration can make a card payment using Terminal API, you can make an NFC wallet payment using the same API call.
Other NFC wallet passes
Apart from credit and debit cards, shoppers can also keep other digital passes in their wallet app, such as loyalty cards, vouchers, and tickets. You can create your own NFC-enabled pass and tie this in with your loyalty program. When the shopper has your pass, you can then accept it when the shopper makes an in-store payment. See NFC-enabled passes for more information.
Before you begin
Before you begin integrating an NFC wallet payment method, make sure you have:
How it works
To make a payment with an NFC wallet payment method:
- Initiate a payment from your cash register.
- The shopper presents their smartphone or smartwatch to the terminal.
The terminal reads the NFC chip embedded in their device.
- The shopper verifies the payment by following the prompts on their device. This will usually involve entering their PIN or password, or providing biometric authentication such as a fingerprint.
- You receive the payment result, as you would receive the result of a card payment.
You can view the details of NFC wallet payments in your Customer Area, under Transactions > Payments.