wordpress blog stats
Connect with us

Hi, what are you looking for?

NFC payments already work almost everywhere in India. Here’s how to use it

Little-known fact: NFC payments already work in India. On most card machines. That means that Apple Pay already works in India, and cards with the NFC icon can already be used on most card payment terminals in India. In my experience, all merchants, from major supermarkets in New Delhi to fruit stores in Coimbatore have Point-of-sale machines that support NFC payments. But there is just one little problem: merchants usually don’t know how to operate them, and customers usually don’t have an NFC-enabled payment option. So chip and PIN it usually is.

“Around 50k POS terminals have been enabled for NFC acceptance across [our] merchant network,” a spokesperson for Pine Labs, one of India’s largest deployers of POS machines told MediaNama. For context, that’s one-fourth of the number of ATMs in India. And that’s just one deployer. Ingenico, another payments company, told MediaNama that over half of the POS machines it has ever sold are NFC-enabled. As of last October, Pine was seeing a 10% month-on-month increase in NFC payments, even as the overall number of these payments was low.

What you need for NFC payments

You need either i) a payment app like Samsung Pay or ICICI Pockets, and a phone that supports NFC payments, or ii) a credit or debit card that supports NFC. If your card is new, chances are your card supports NFC. Just look out for the NFC icon on the back.

If you don’t have an NFC-enabled card, you can search Google for “[bank name] Visa PayWave OR MasterCard Tap-and-Go” to see if your bank is currently issuing those cards. You can call in for a replacement if they do. And if that’s too bothersome, you can usually use Samsung Pay on a supported phone. Scroll down to the FAQ on this page for a list of payment cards that Samsung Pay works with. If you have ICICI Pockets on an Android phone, you can set up a digital payment card that will work in a real-life payment terminal. You can also use HDFC Payzapp, which reportedly supports NFC.

How to use NFC in-store

Cashiers generally don’t know how to use NFC payments. So instead of telling them that you’re using Samsung Pay or handing them your card, ask for the POS machine. In the machine, select the ‘Sale’ option, which is usually the first option. If ‘Transact’ is the topmost option, select ‘Online Sale’, which should be the second option. If you’re in a store where the card machine only works with the cashier’s billing software — like in a department store checkout counter — ask them to push a payment request to the machine.

Advertisement. Scroll to continue reading.

You should see an NFC icon, which looks like this:

If you’re using Samsung Pay, wave your phone on top of the card terminal. It should tell you to “Remove Card” immediately after. If you’re using a card, do the same thing. That’s it. Payment completed. If your transaction value is less than ₹2000, you don’t even need to enter your PIN. The ₹2000 limit is an RBI norm, and limits your loss should you lose your card. And apps like Apple Pay and Samsung Pay require biometric authentication before they let you pay.

Note for Samsung Pay users

You’re probably used to waving your phone before punching in the amount on POS machines. This works because Samsung Pay imitates magnetic swipe cards, which other payment apps can’t do. This is just as secure as NFC, but you usually need to punch in your PIN. If you follow the above steps and pay with NFC after punching in the amount in the POS machine, you won’t need to punch in your PIN. It also helps that you’ll usually blow the cashier away.

Written By

I cover the digital content ecosystem and telecom for MediaNama.

MediaNama’s mission is to help build a digital ecosystem which is open, fair, global and competitive.



The Delhi High Court should quash the government's order to block Tanul Thakur's website in light of the Shreya Singhal verdict by the Supreme...


Releasing the policy is akin to putting the proverbial 'cart before the horse'.


The industry's growth is being weighed down by taxation and legal uncertainty.


Due to the scale of regulatory and technical challenges, transparency reporting under the IT Rules has gotten off to a rocky start.


Here are possible reasons why Indians are not generating significant IAP revenues despite our download share crossing 30%.

You May Also Like


Google has released a Google Travel Trends Report which states that branded budget hotel search queries grew 179% year over year (YOY) in India, in...


135 job openings in over 60 companies are listed at our free Digital and Mobile Job Board: If you’re looking for a job, or...


Rajesh Kumar* doesn’t have many enemies in life. But, Uber, for which he drives a cab everyday, is starting to look like one, he...


By Aroon Deep and Aditya Chunduru You’re reading it here first: Twitter has complied with government requests to censor 52 tweets that mostly criticised...

MediaNama is the premier source of information and analysis on Technology Policy in India. More about MediaNama, and contact information, here.

© 2008-2021 Mixed Bag Media Pvt. Ltd. Developed By PixelVJ

Subscribe to our daily newsletter
Your email address:*
Please enter all required fields Click to hide
Correct invalid entries Click to hide

© 2008-2021 Mixed Bag Media Pvt. Ltd. Developed By PixelVJ