One of the most notable innovations is payment by approximation. Now, this functionality is also available for receipts, offering a practical and fast way to process payments directly from your cell phone.
This innovation not only simplifies the sales process, but also represents a significant advancement in mobile payments technology. In this article, we’ll explore how a variety of apps are integrating Near Field Communication (NFC) technology to enable you to accept contactless payments on your mobile phone, highlighting the features of some of the top apps available on the market.
Contactless Payment Applications
Nubank (Tap to Pay)
Nubank, known for its innovative approach to banking, now offers the Tap to Pay feature for contactless payments, available exclusively for corporate accounts. This feature turns your phone into a card machine, allowing entrepreneurs to make sales in a practical way, without the need for additional hardware. The service is free and allows transactions with Mastercard, Visa and Elo cards, although for amounts over R$$ 199 you will need to enter your card password.
To use Tap to Pay, the user must activate the virtual button “Charge with Tap to Pay” in the Nubank business account. After that, it is necessary to enter the amount to be charged and start the collection process. The customer then holds the card or cell phone over the payment symbol. An “OK” confirmation appears after the transaction, and the receipt can be sent directly to the customer, facilitating the completion of the purchase.
Infinite Pay (InfiniteTap)
Infinite Pay also allows contactless payments through the InfiniteTap feature. This service is available to all users and allows for secure and encrypted transactions, protecting customers’ financial information. For amounts above R$$ 200, password confirmation is mandatory, which adds an extra layer of security.
To use InfiniteTap, the user must click on the “Sell with InfiniteTap” option and enter the payment amount. After choosing the desired payment method, the customer holds their card or device close to the seller’s cell phone until the transaction is completed. This functionality simplifies the payment process, making it more efficient and faster.
PagBank (Tap On)
PagBank offers the Tap On feature through the PagVendas app, allowing contactless payments on your cell phone. This feature supports payments with debit, credit, installment or cash cards, and is compatible with brands such as Mastercard, Visa, Elo and Amex. For transactions over R$$ 200, the use of a password is required, and contactless payments are limited to amounts up to R$$ 900.
To use Tap On, the user must enter the payment amount in PagVendas and select the “Tap On” option. If this is the first sale, they will ask to download the “Tap On” extension from the app store. After installation, the payment is made by tapping the device on the seller’s cell phone, and the receipt can be sent to the customer to complete the transaction.
Payment agility
The introduction of contactless payments in mobile apps represents a major innovation in the financial sector, providing a faster and more practical way to receive payments. Using NFC technology, apps such as Nubank, Infinite Pay and PagBank are transforming the experience of financial transactions, making them safer and more accessible.
The integration of these features represents a significant step forward in the mobility and efficiency of financial transactions, benefiting both entrepreneurs and consumers. As technology continues to evolve, we are likely to see even more innovations in this area, making financial transactions increasingly simple and convenient.
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