Mobile phones have become true multifunction tools., enabling not only communication and entertainment, but also revolutionizing the way we manage our finances and make payments. Thanks to technological advances, it's now possible to go wallet-free and conveniently pay with your mobile phone, linking your bank accounts, cards, or even e-wallets to different apps and payment systems. This phenomenon has won over millions of users around the world, who are increasingly relying on the convenience, speed, and security of mobile payment methods.
In this article you will discover all the available methods to pay with your mobile phone., with detailed information on requirements, configurations, key apps, security measures, and tips for getting the most out of mobile payments, both in person and online, in physical stores, apps, and in peer-to-peer payments.
Essential requirements for paying with your mobile phone
The first essential step to enjoy mobile payment methods is Make sure your phone has NFC (Near Field Communication) technologyThis chip allows for instant and secure data transmission between your mobile phone and the payment terminal (POS) simply by bringing the device close together. The vast majority of mid-range and high-end mobile phones include this chip, but it's always a good idea to check before setting up any payment method.
- Access your phone's quick settings by swiping down from the top right corner and check if the "NFC" icon appears among the options. If it's not visible, look in additional settings.
- In the "Settings" section, use the search box to type "NFC." If it appears in the results, it means your phone has this technology.
In case your mobile does not have NFC, You can still take advantage of applications to make payments or transfers between individuals and even link an external accessory provided by some banks or purchased on specialized portals.
To pay with your mobile phone, in addition to NFC, it is essential to have an application compatible with mobile payments., whether it's your bank's app, Google Pay, Apple Pay, Samsung Pay, or other alternatives we'll look at later.
How to set up your mobile phone for payments
The setup process depends on the operating system and app you choose, but in all cases, follow a similar series of steps to activate mobile payment securely:
- Activate the NFC: Make sure the NFC feature is enabled in your phone’s settings.
- Choose the payment application: Download or use your bank's app or a dedicated app like Google Pay, Apple Pay, or Samsung Pay, depending on your device.
- Link your card or account: Add your credit, debit, or prepaid card details. Some apps allow you to scan the card with your camera or enter the details manually.
- Verify your identity and payment method: The app will ask you to validate the card using a code sent by SMS, email, or through the banking app.
- Set the default card If you have several cards and want to choose which one you usually use to pay.
Once you've completed these steps, your phone will be ready to make contactless payments by holding it close to the merchant's reader. Remember that, depending on the model, you will have to unlock the phone and authenticate yourself. (PIN, fingerprint, facial recognition, etc.) before paying.
Mobile payment methods: most commonly used options and apps
There are several ways to pay with your mobile phone, both in physical stores and online, or between individuals. The most popular and widespread methods include:
- App of your bankMany banks offer their own mobile app, which allows you to pay in stores contactlessly and manage cards and expenses without the need for third-party apps. They usually offer a highly integrated experience and are compatible with Bizum or other quick payment systems.
- Google PayEspecially popular on Android devices. It allows you to store bank, transportation, and loyalty cards, facilitating contactless payments in stores and online purchases. It's secure and offers broad compatibility with numerous banks.
- Apple Pay: Integrated into Apple devices, it lets you add cards to Apple Wallet and pay with your iPhone, Apple Watch, iPad, or Mac. Biometric authentication (Face ID or Touch ID) offers a high level of security. In addition to physical stores, it also lets you pay in apps and on websites.
- Samsung Pay: Exclusive for Samsung devices, it allows you to add cards from multiple banks and stands out for adding advantages such as Samsung rewards, which rewards use with discounts and redeemable points.
- Huawei Wallet and other alternativesSome manufacturers, like Huawei, include their own integrated mobile payment solution. These options are usually available in the Brand ID settings.
- PayPalAlthough not a contactless payment method, PayPal is ideal for online purchases and sending money between users, allowing you to link cards and bank accounts and protecting the buyer against incidents.
- Bizum: Perfect for instant payments between individuals or in participating businesses, using only your mobile number. It's integrated into most Spanish banking apps and is extremely easy to use.
- Other apps: Verse, Twyp, Skrill, Venmo, Zelle, or Cash App, as well as international or specialized options depending on the country.
How to pay with your mobile phone step by step, depending on the operating system?
Each ecosystem has its own unique features when it comes to managing mobile payments. Let's look at the essential processes on the main platforms:
Android: Google Pay (Google Wallet) and banking apps
- Activate NFC in your mobile settings.
- Open Google Wallet (or your bank's app), select "Add Card," and scan or enter your card details.
- Validate the payment method and set the default card.
- To pay, unlock the device and hold the back of the device close to the contactless POS terminal. A check mark will appear on the screen.
iPhone: Apple Pay
- Access the app Wallet and press the symbol + to add the card.
- Scan the card or enter the data manually.
- Check the payment method through your bank.
- To pay, double-click the side button, select your card, and authenticate with Face ID, Touch ID, or a passcode before holding the top of your iPhone up to the POS.
You don't need to open the Wallet app to pay, just wake up your phone and hold it close to the terminal.
Samsung: Samsung Pay (Samsung Wallet)
- Open Samsung Wallet, scan or insert a new card.
- Validate the card and set it as default if desired.
- To pay, swipe up from the home or lock screen, select the card, and hold your phone close to the terminal.
Samsung Pay stands out for its compatibility and for integrating points and rewards programs.
Other brands and methods
Manufacturers like Huawei, Xiaomi, and even wearables (NFC-enabled smartwatches like the Apple Watch or Galaxy Watch) allow you to add cards and pay in a similar way. Check your brand's settings for more details.
How do I add and validate cards for mobile payments?
For mobile payments to be effective and secure, the app you choose will ask you to add at least one credit, debit, or prepaid card. The process is typically as follows:
- Select the “Add Card” option in the app.
- Enter the card number, expiration date, and CVV, or use the camera to scan it.
- Validate your identity using supported methods (SMS, call, email, banking app).
- Accept the terms and conditions of the issuing entity.
- Some apps may request additional verification. (OTP code, authorization from your bank's app, digital signature, etc.) to increase security.
Within minutes, your card will be linked and ready to use as your default or secondary method.
How does payment work in physical stores?
The process for paying at a physical establishment using your mobile phone usually consists of these steps:
- Activate NFC and unlock your phone.
- On some devices, you simply hold it to the payment terminal without opening the app. Others require you to select the card or open the payment app.
- Hold your phone close to the reader for a few seconds (usually the back, but the location may vary depending on the device).
- When the transaction is complete, a check mark will appear on the screen, and if prompted by the POS, enter your PIN or sign for the purchase.
For refunds, simply hold the same phone and virtual card up to the payment terminal, providing the last four digits of the digital card if necessary. Find out how to obtain them in the app.
Mobile payment on the internet and in apps
Mobile payments aren't limited to physical stores. Many apps and online stores allow you to pay using Google Pay, Apple Pay, PayPal, Bizum, and other tools:
- Shopping on websites and apps: Identify the Google Pay, Apple Pay, PayPal, or Bizum icon on the payment gateway and follow the steps to validate the transaction.
- Pay without entering your bank details each time, taking advantage of platform security and fraud protection.
- Sending money between usersPayPal, Bizum, Twyp, Verse, among others, allow you to instantly transfer funds to your contacts using only their mobile number or email address.
Send and receive money with Bizum and similar apps
Bizum has established itself as the most agile system for instant payments between individuals. and, increasingly, in businesses and NGOs. It's integrated into major banking apps and is incredibly easy to use:
- From your bank's app, select the Bizum option to send/receive money.
- Enter the amount and the recipient's mobile number. You can use the mobile contacts or add them manually.
- Confirm the transaction and, in seconds, the money will arrive in the recipient's associated account.
Bizum is secure, fast, and doesn't require any bank details other than your mobile phone. Payments are linked to a single account and are usually limited by amount and number of transactions, but they allow you to pay for everything from drinks at bars to purchases at participating stores.
Similar alternatives include Twyp (especially for individuals), Verse, and apps like Skrill and PayPal, which offer instant transfers internationally.
Security in mobile payments
Paying with your mobile phone is one of the safest ways to make purchases, but it is always advisable to follow some guidelines to protect your information:
- Biometric authentication: Most apps and devices require a fingerprint, facial recognition, or PIN to authorize each payment.
- Tokenization: : Actual card data is replaced with temporary unique codes, so the information is never shared with the merchant.
- Do not use unsecured public networks to make payments or transfers.
- Regularly update your operating system and apps to protect you from vulnerabilities.
- Install antivirus if your device is Android.
- Lock your screen with a strong PIN, difficult pattern, or biometrics.
- Don't leave your cell phone unattended and remove your cards if you are going to lend the device for repair.
- Lock the SIM card with a PIN other than the screen unlock PIN..
If your phone is lost or stolen, contact your bank immediately to block your cards and avoid financial losses.
Troubleshooting and tips if you can't pay with your mobile phone
- Check the internet connection and NFC status on your mobile.
- Make sure the merchant's dataphone accepts contactless payments., since not all terminals are compatible.
- Update your apps and restart your device if the faults persist.
- Check that your cards are active and correctly validated in the app.
- Check that the balance is sufficient and that there are no bank blockages.
- If after these steps the problem is still not resolved, Contact app support or your bank.
Trends and future of mobile payments
Mobile payment technology is constantly evolving, driven by the convenience, speed, and security it offers. The key trends shaping the future of this sector include:
- Expansion of contactless paymentsMore and more businesses are accepting mobile payments, and this trend is expected to grow even further with global digitalization.
- Greater integration of artificial intelligence and machine learningThese technologies will allow for anticipating recurring payments, preventing fraud, and personalizing user experiences.
- Advances in biometrics and multiple authenticationsSecurity improvements will be gradual, with voice, iris, and behavioral pattern recognition.
- Payments from wearables and IoT devices: Not just mobile phones, but watches, bracelets, and even vehicles will be prepared to make payments.
- Widespread use of cryptocurrencies and digital currencies in electronic wallets and payment apps.
When choosing a mobile payment method, choose the platform that best suits your device, is compatible with your cards and banks, and has robust security measures. The convenience of leaving your wallet at home and having everything on your smartphone is now within reach, and with the right information, you can enjoy fast, secure, and increasingly universal payments, whether in person, online, or through personal transfers.
