It allows users to make purchases in stores with their phone or Apple Watch at contactless payment terminals by employing near-field communication, as well as in apps and online. Here's a closer look at how each of the three major mobile payment apps works.Īpple Pay is a mobile payment app designed for Apple devices. Though adoption of the technology has been relatively sluggish, mobile payments could make traditional payment methods obsolete. "Mobile payments make for more streamlined, convenient and secure payments than conventional credit card or debit card purchases," says Attila Tomaschek, a researcher at digital privacy resource ProPrivacy.
You probably use your phone for just about everything - texting, gaming, shopping - but what about as a replacement for your wallet? Mobile payment apps such as Apple Pay, Samsung Pay and Google Pay allow you to use your debit or credit card in stores and online without ever having to pick up a piece of plastic.
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