NFC, short for Near Field Communication, is a technological set of standards that has been around for several years. Many Android phones have come equipped with NFC chips for several years. Some retailers along with fast food outlets such as McDonald’s support NFC transactions on every credit card reader.
My first NFC-enabled phone was a Galaxy S3, but I never felt compelled to even give it a try. For some reason I made the completely erroneous assumption that if I paid with my phone via NFC it would be charged to my phone bill.
Since Apple is now supporting NFC with the introduction of the iPhone 6 and 6 Plus phones, I decided I would give NFC a try on my Note 3 using Google Wallet.
I already had a Google Wallet account because I have bought apps via the Google Playstore. I have also used Google Wallet to purchase hotel rooms via online booking.
To use NFC, I installed the Google Wallet app on my phone. I authorized the app to tie to my existing Google Wallet account. I authorized the Google Wallet app to use my existing debit card by setting up a pin number inside the Google Wallet app. Next I went into the phone settings to turn on the integrated NFC radio chip.
I used NFC for the first time today at a McDonald’s in Shelby, Iowa. When it came time to pay, I simply turned the phone screen on and held the phone against the top of the McDonald’s credit card reader where there’s a sort of sideways WiFi-like symbol. It’s not even necessary to start up the app – that happens completely automatically. It popped up on my phone screen asking me to input my Google Wallet pin number, and the transaction was quickly completed. The McDonald’s order-taker and his manager were astonished!
It automatically debited my bank account. My existing bank debit card remained in my wallet.
As nearly as I can tell, the Apple Pay version of NFC differs from Google Wallet and other NFC payment schemes in that the Apple Pay app only works on NFC-enabled iPhones. The iPhone 6 finger print reader substitute’s for the pin number.
It is possible to pay using Google Wallet in two basic ways – either have it pay via a selected debit or credit card, or set up a Google Wallet cash card that you can transfer money into and out of. With the Google Wallet cash card it is possible to email money to anyone with an email address, which would require them to set up a Google Wallet account in case they don’t already have one set up.
Will I use NFC again? I certainly will. I’m constantly on the road and I find myself eating at McDonald’s and other fast food outlets far more than I’d like. So long as an NFC terminal is set up and I would be paying with my bank debit card, I will try utilizing NFC instead.
Perhaps now that Apple is putting its marketing, educational, and PR muscle behind NFC it will finally have a chance to catch on. If nothing else it’s worth it just to see the amazed reactions of the store clerks!