CINXE.COM

<!DOCTYPE html> <html class="client-nojs vector-feature-language-in-header-enabled vector-feature-language-in-main-page-header-disabled vector-feature-sticky-header-disabled vector-feature-page-tools-pinned-disabled vector-feature-toc-pinned-clientpref-1 vector-feature-main-menu-pinned-disabled vector-feature-limited-width-clientpref-1 vector-feature-limited-width-content-enabled vector-feature-custom-font-size-clientpref-1 vector-feature-appearance-pinned-clientpref-1 vector-feature-night-mode-enabled skin-theme-clientpref-day vector-toc-available" lang="en" dir="ltr"> <head> <meta charset="UTF-8"> <title>Mobile payment - Wikipedia</title> <script>(function(){var className="client-js vector-feature-language-in-header-enabled vector-feature-language-in-main-page-header-disabled vector-feature-sticky-header-disabled vector-feature-page-tools-pinned-disabled vector-feature-toc-pinned-clientpref-1 vector-feature-main-menu-pinned-disabled vector-feature-limited-width-clientpref-1 vector-feature-limited-width-content-enabled vector-feature-custom-font-size-clientpref-1 vector-feature-appearance-pinned-clientpref-1 vector-feature-night-mode-enabled skin-theme-clientpref-day vector-toc-available";var cookie=document.cookie.match(/(?:^|; )enwikimwclientpreferences=([^;]+)/);if(cookie){cookie[1].split('%2C').forEach(function(pref){className=className.replace(new RegExp('(^| )'+pref.replace(/-clientpref-\w+$|[^\w-]+/g,'')+'-clientpref-\\w+( |$)'),'$1'+pref+'$2');});}document.documentElement.className=className;}());RLCONF={"wgBreakFrames":false,"wgSeparatorTransformTable":["",""],"wgDigitTransformTable":["",""],"wgDefaultDateFormat":"dmy", "wgMonthNames":["","January","February","March","April","May","June","July","August","September","October","November","December"],"wgRequestId":"09f6b533-556d-458a-9357-2f0c20432785","wgCanonicalNamespace":"","wgCanonicalSpecialPageName":false,"wgNamespaceNumber":0,"wgPageName":"Mobile_payment","wgTitle":"Mobile payment","wgCurRevisionId":1258578449,"wgRevisionId":1258578449,"wgArticleId":234921,"wgIsArticle":true,"wgIsRedirect":false,"wgAction":"view","wgUserName":null,"wgUserGroups":["*"],"wgCategories":["CS1 errors: missing periodical","CS1 French-language sources (fr)","Webarchive template wayback links","Articles with short description","Short description matches Wikidata","Use dmy dates from November 2022","All articles with unsourced statements","Articles with unsourced statements from March 2024","Articles with unsourced statements from July 2019","Wikipedia articles in need of updating from May 2024","All Wikipedia articles in need of updating", "Articles with unsourced statements from July 2015","Mobile payments","Financial technology"],"wgPageViewLanguage":"en","wgPageContentLanguage":"en","wgPageContentModel":"wikitext","wgRelevantPageName":"Mobile_payment","wgRelevantArticleId":234921,"wgIsProbablyEditable":true,"wgRelevantPageIsProbablyEditable":true,"wgRestrictionEdit":[],"wgRestrictionMove":[],"wgNoticeProject":"wikipedia","wgCiteReferencePreviewsActive":false,"wgFlaggedRevsParams":{"tags":{"status":{"levels":1}}},"wgMediaViewerOnClick":true,"wgMediaViewerEnabledByDefault":true,"wgPopupsFlags":0,"wgVisualEditor":{"pageLanguageCode":"en","pageLanguageDir":"ltr","pageVariantFallbacks":"en"},"wgMFDisplayWikibaseDescriptions":{"search":true,"watchlist":true,"tagline":false,"nearby":true},"wgWMESchemaEditAttemptStepOversample":false,"wgWMEPageLength":50000,"wgRelatedArticlesCompat":[],"wgCentralAuthMobileDomain":false,"wgEditSubmitButtonLabelPublish":true,"wgULSPosition":"interlanguage","wgULSisCompactLinksEnabled":false, "wgVector2022LanguageInHeader":true,"wgULSisLanguageSelectorEmpty":false,"wgWikibaseItemId":"Q1365703","wgCheckUserClientHintsHeadersJsApi":["brands","architecture","bitness","fullVersionList","mobile","model","platform","platformVersion"],"GEHomepageSuggestedEditsEnableTopics":true,"wgGETopicsMatchModeEnabled":false,"wgGEStructuredTaskRejectionReasonTextInputEnabled":false,"wgGELevelingUpEnabledForUser":false};RLSTATE={"ext.globalCssJs.user.styles":"ready","site.styles":"ready","user.styles":"ready","ext.globalCssJs.user":"ready","user":"ready","user.options":"loading","ext.cite.styles":"ready","skins.vector.search.codex.styles":"ready","skins.vector.styles":"ready","skins.vector.icons":"ready","jquery.makeCollapsible.styles":"ready","ext.wikimediamessages.styles":"ready","ext.visualEditor.desktopArticleTarget.noscript":"ready","ext.uls.interlanguage":"ready","wikibase.client.init":"ready","ext.wikimediaBadges":"ready"};RLPAGEMODULES=["ext.cite.ux-enhancements","ext.scribunto.logs", "site","mediawiki.page.ready","jquery.makeCollapsible","mediawiki.toc","skins.vector.js","ext.centralNotice.geoIP","ext.centralNotice.startUp","ext.gadget.ReferenceTooltips","ext.gadget.switcher","ext.urlShortener.toolbar","ext.centralauth.centralautologin","mmv.bootstrap","ext.popups","ext.visualEditor.desktopArticleTarget.init","ext.visualEditor.targetLoader","ext.echo.centralauth","ext.eventLogging","ext.wikimediaEvents","ext.navigationTiming","ext.uls.interface","ext.cx.eventlogging.campaigns","ext.cx.uls.quick.actions","wikibase.client.vector-2022","ext.checkUser.clientHints","ext.growthExperiments.SuggestedEditSession","wikibase.sidebar.tracking"];</script> <script>(RLQ=window.RLQ||[]).push(function(){mw.loader.impl(function(){return["user.options@12s5i",function($,jQuery,require,module){mw.user.tokens.set({"patrolToken":"+\\","watchToken":"+\\","csrfToken":"+\\"}); }];});});</script> <link rel="stylesheet" href="/w/load.php?lang=en&modules=ext.cite.styles%7Cext.uls.interlanguage%7Cext.visualEditor.desktopArticleTarget.noscript%7Cext.wikimediaBadges%7Cext.wikimediamessages.styles%7Cjquery.makeCollapsible.styles%7Cskins.vector.icons%2Cstyles%7Cskins.vector.search.codex.styles%7Cwikibase.client.init&only=styles&skin=vector-2022"> <script async="" src="/w/load.php?lang=en&modules=startup&only=scripts&raw=1&skin=vector-2022"></script> <meta name="ResourceLoaderDynamicStyles" content=""> <link rel="stylesheet" href="/w/load.php?lang=en&modules=site.styles&only=styles&skin=vector-2022"> <meta name="generator" content="MediaWiki 1.44.0-wmf.4"> <meta name="referrer" content="origin"> <meta name="referrer" content="origin-when-cross-origin"> <meta name="robots" content="max-image-preview:standard"> <meta name="format-detection" content="telephone=no"> <meta property="og:image" content="https://upload.wikimedia.org/wikipedia/commons/thumb/8/8d/Community_Noun_project_39956.svg/1200px-Community_Noun_project_39956.svg.png"> <meta property="og:image:width" content="1200"> <meta property="og:image:height" content="1264"> <meta property="og:image" content="https://upload.wikimedia.org/wikipedia/commons/thumb/8/8d/Community_Noun_project_39956.svg/800px-Community_Noun_project_39956.svg.png"> <meta property="og:image:width" content="800"> <meta property="og:image:height" content="843"> <meta property="og:image" content="https://upload.wikimedia.org/wikipedia/commons/thumb/8/8d/Community_Noun_project_39956.svg/640px-Community_Noun_project_39956.svg.png"> <meta property="og:image:width" content="640"> <meta property="og:image:height" content="674"> <meta name="viewport" content="width=1120"> <meta property="og:title" content="Mobile payment - Wikipedia"> <meta property="og:type" content="website"> <link rel="preconnect" href="//upload.wikimedia.org"> <link rel="alternate" media="only screen and (max-width: 640px)" href="//en.m.wikipedia.org/wiki/Mobile_payment"> <link rel="alternate" type="application/x-wiki" title="Edit this page" href="/w/index.php?title=Mobile_payment&action=edit"> <link rel="apple-touch-icon" href="/static/apple-touch/wikipedia.png"> <link rel="icon" href="/static/favicon/wikipedia.ico"> <link rel="search" type="application/opensearchdescription+xml" href="/w/rest.php/v1/search" title="Wikipedia (en)"> <link rel="EditURI" type="application/rsd+xml" href="//en.wikipedia.org/w/api.php?action=rsd"> <link rel="canonical" href="https://en.wikipedia.org/wiki/Mobile_payment"> <link rel="license" href="https://creativecommons.org/licenses/by-sa/4.0/deed.en"> <link rel="alternate" type="application/atom+xml" title="Wikipedia Atom feed" href="/w/index.php?title=Special:RecentChanges&feed=atom"> <link rel="dns-prefetch" href="//meta.wikimedia.org" /> <link rel="dns-prefetch" href="//login.wikimedia.org"> </head> <body class="skin--responsive skin-vector skin-vector-search-vue mediawiki ltr sitedir-ltr mw-hide-empty-elt ns-0 ns-subject mw-editable page-Mobile_payment rootpage-Mobile_payment skin-vector-2022 action-view"><a class="mw-jump-link" href="#bodyContent">Jump to content</a> <div class="vector-header-container"> <header class="vector-header mw-header"> <div class="vector-header-start"> <nav class="vector-main-menu-landmark" aria-label="Site"> <div id="vector-main-menu-dropdown" class="vector-dropdown vector-main-menu-dropdown vector-button-flush-left vector-button-flush-right" > <input type="checkbox" id="vector-main-menu-dropdown-checkbox" role="button" aria-haspopup="true" data-event-name="ui.dropdown-vector-main-menu-dropdown" class="vector-dropdown-checkbox " aria-label="Main menu" > <label id="vector-main-menu-dropdown-label" for="vector-main-menu-dropdown-checkbox" class="vector-dropdown-label cdx-button cdx-button--fake-button cdx-button--fake-button--enabled cdx-button--weight-quiet cdx-button--icon-only " aria-hidden="true" ><span class="vector-icon mw-ui-icon-menu mw-ui-icon-wikimedia-menu"></span> <span class="vector-dropdown-label-text">Main menu</span> </label> <div class="vector-dropdown-content"> <div id="vector-main-menu-unpinned-container" class="vector-unpinned-container"> <div id="vector-main-menu" class="vector-main-menu vector-pinnable-element"> <div class="vector-pinnable-header vector-main-menu-pinnable-header vector-pinnable-header-unpinned" data-feature-name="main-menu-pinned" data-pinnable-element-id="vector-main-menu" data-pinned-container-id="vector-main-menu-pinned-container" data-unpinned-container-id="vector-main-menu-unpinned-container" > <div class="vector-pinnable-header-label">Main menu</div> <button class="vector-pinnable-header-toggle-button vector-pinnable-header-pin-button" data-event-name="pinnable-header.vector-main-menu.pin">move to sidebar</button> <button class="vector-pinnable-header-toggle-button vector-pinnable-header-unpin-button" data-event-name="pinnable-header.vector-main-menu.unpin">hide</button> </div> <div id="p-navigation" class="vector-menu mw-portlet mw-portlet-navigation" > <div class="vector-menu-heading"> Navigation </div> <div class="vector-menu-content"> <ul class="vector-menu-content-list"> <li id="n-mainpage-description" class="mw-list-item"><a href="/wiki/Main_Page" title="Visit the main page [z]" accesskey="z"><span>Main page</span></a></li><li id="n-contents" class="mw-list-item"><a href="/wiki/Wikipedia:Contents" title="Guides to browsing Wikipedia"><span>Contents</span></a></li><li id="n-currentevents" class="mw-list-item"><a href="/wiki/Portal:Current_events" title="Articles related to current events"><span>Current events</span></a></li><li id="n-randompage" class="mw-list-item"><a href="/wiki/Special:Random" title="Visit a randomly selected article [x]" accesskey="x"><span>Random article</span></a></li><li id="n-aboutsite" class="mw-list-item"><a href="/wiki/Wikipedia:About" title="Learn about Wikipedia and how it works"><span>About Wikipedia</span></a></li><li id="n-contactpage" class="mw-list-item"><a href="//en.wikipedia.org/wiki/Wikipedia:Contact_us" title="How to contact Wikipedia"><span>Contact us</span></a></li> </ul> </div> </div> <div id="p-interaction" class="vector-menu mw-portlet mw-portlet-interaction" > <div class="vector-menu-heading"> Contribute </div> <div class="vector-menu-content"> <ul class="vector-menu-content-list"> <li id="n-help" class="mw-list-item"><a href="/wiki/Help:Contents" title="Guidance on how to use and edit Wikipedia"><span>Help</span></a></li><li id="n-introduction" class="mw-list-item"><a href="/wiki/Help:Introduction" title="Learn how to edit Wikipedia"><span>Learn to edit</span></a></li><li id="n-portal" class="mw-list-item"><a href="/wiki/Wikipedia:Community_portal" title="The hub for editors"><span>Community portal</span></a></li><li id="n-recentchanges" class="mw-list-item"><a href="/wiki/Special:RecentChanges" title="A list of recent changes to Wikipedia [r]" accesskey="r"><span>Recent changes</span></a></li><li id="n-upload" class="mw-list-item"><a href="/wiki/Wikipedia:File_upload_wizard" title="Add images or other media for use on Wikipedia"><span>Upload file</span></a></li> </ul> </div> </div> </div> </div> </div> </div> </nav> <a href="/wiki/Main_Page" class="mw-logo"> <img class="mw-logo-icon" src="/static/images/icons/wikipedia.png" alt="" aria-hidden="true" height="50" width="50"> <span class="mw-logo-container skin-invert"> <img class="mw-logo-wordmark" alt="Wikipedia" src="/static/images/mobile/copyright/wikipedia-wordmark-en.svg" style="width: 7.5em; height: 1.125em;"> <img class="mw-logo-tagline" alt="The Free Encyclopedia" src="/static/images/mobile/copyright/wikipedia-tagline-en.svg" width="117" height="13" style="width: 7.3125em; height: 0.8125em;"> </span> </a> </div> <div class="vector-header-end"> <div id="p-search" role="search" class="vector-search-box-vue vector-search-box-collapses vector-search-box-show-thumbnail vector-search-box-auto-expand-width vector-search-box"> <a href="/wiki/Special:Search" class="cdx-button cdx-button--fake-button cdx-button--fake-button--enabled cdx-button--weight-quiet cdx-button--icon-only search-toggle" title="Search Wikipedia [f]" accesskey="f"><span class="vector-icon mw-ui-icon-search mw-ui-icon-wikimedia-search"></span> <span>Search</span> </a> <div class="vector-typeahead-search-container"> <div class="cdx-typeahead-search cdx-typeahead-search--show-thumbnail cdx-typeahead-search--auto-expand-width"> <form action="/w/index.php" id="searchform" class="cdx-search-input cdx-search-input--has-end-button"> <div id="simpleSearch" class="cdx-search-input__input-wrapper" data-search-loc="header-moved"> <div class="cdx-text-input cdx-text-input--has-start-icon"> <input class="cdx-text-input__input" type="search" name="search" placeholder="Search Wikipedia" aria-label="Search Wikipedia" autocapitalize="sentences" title="Search Wikipedia [f]" accesskey="f" id="searchInput" > <span class="cdx-text-input__icon cdx-text-input__start-icon"></span> </div> <input type="hidden" name="title" value="Special:Search"> </div> <button class="cdx-button cdx-search-input__end-button">Search</button> </form> </div> </div> </div> <nav class="vector-user-links vector-user-links-wide" aria-label="Personal tools"> <div class="vector-user-links-main"> <div id="p-vector-user-menu-preferences" class="vector-menu mw-portlet emptyPortlet" > <div class="vector-menu-content"> <ul class="vector-menu-content-list"> </ul> </div> </div> <div id="p-vector-user-menu-userpage" class="vector-menu mw-portlet emptyPortlet" > <div class="vector-menu-content"> <ul class="vector-menu-content-list"> </ul> </div> </div> <nav class="vector-appearance-landmark" aria-label="Appearance"> <div id="vector-appearance-dropdown" class="vector-dropdown " title="Change the appearance of the page's font size, width, and color" > <input type="checkbox" id="vector-appearance-dropdown-checkbox" role="button" aria-haspopup="true" data-event-name="ui.dropdown-vector-appearance-dropdown" class="vector-dropdown-checkbox " aria-label="Appearance" > <label id="vector-appearance-dropdown-label" for="vector-appearance-dropdown-checkbox" class="vector-dropdown-label cdx-button cdx-button--fake-button cdx-button--fake-button--enabled cdx-button--weight-quiet cdx-button--icon-only " aria-hidden="true" ><span class="vector-icon mw-ui-icon-appearance mw-ui-icon-wikimedia-appearance"></span> <span class="vector-dropdown-label-text">Appearance</span> </label> <div class="vector-dropdown-content"> <div id="vector-appearance-unpinned-container" class="vector-unpinned-container"> </div> </div> </div> </nav> <div id="p-vector-user-menu-notifications" class="vector-menu mw-portlet emptyPortlet" > <div class="vector-menu-content"> <ul class="vector-menu-content-list"> </ul> </div> </div> <div id="p-vector-user-menu-overflow" class="vector-menu mw-portlet" > <div class="vector-menu-content"> <ul class="vector-menu-content-list"> <li id="pt-sitesupport-2" class="user-links-collapsible-item mw-list-item user-links-collapsible-item"><a data-mw="interface" href="https://donate.wikimedia.org/wiki/Special:FundraiserRedirector?utm_source=donate&utm_medium=sidebar&utm_campaign=C13_en.wikipedia.org&uselang=en" class=""><span>Donate</span></a> </li> <li id="pt-createaccount-2" class="user-links-collapsible-item mw-list-item user-links-collapsible-item"><a data-mw="interface" href="/w/index.php?title=Special:CreateAccount&returnto=Mobile+payment" title="You are encouraged to create an account and log in; however, it is not mandatory" class=""><span>Create account</span></a> </li> <li id="pt-login-2" class="user-links-collapsible-item mw-list-item user-links-collapsible-item"><a data-mw="interface" href="/w/index.php?title=Special:UserLogin&returnto=Mobile+payment" title="You're encouraged to log in; however, it's not mandatory. [o]" accesskey="o" class=""><span>Log in</span></a> </li> </ul> </div> </div> </div> <div id="vector-user-links-dropdown" class="vector-dropdown vector-user-menu vector-button-flush-right vector-user-menu-logged-out" title="Log in and more options" > <input type="checkbox" id="vector-user-links-dropdown-checkbox" role="button" aria-haspopup="true" data-event-name="ui.dropdown-vector-user-links-dropdown" class="vector-dropdown-checkbox " aria-label="Personal tools" > <label id="vector-user-links-dropdown-label" for="vector-user-links-dropdown-checkbox" class="vector-dropdown-label cdx-button cdx-button--fake-button cdx-button--fake-button--enabled cdx-button--weight-quiet cdx-button--icon-only " aria-hidden="true" ><span class="vector-icon mw-ui-icon-ellipsis mw-ui-icon-wikimedia-ellipsis"></span> <span class="vector-dropdown-label-text">Personal tools</span> </label> <div class="vector-dropdown-content"> <div id="p-personal" class="vector-menu mw-portlet mw-portlet-personal user-links-collapsible-item" title="User menu" > <div class="vector-menu-content"> <ul class="vector-menu-content-list"> <li id="pt-sitesupport" class="user-links-collapsible-item mw-list-item"><a href="https://donate.wikimedia.org/wiki/Special:FundraiserRedirector?utm_source=donate&utm_medium=sidebar&utm_campaign=C13_en.wikipedia.org&uselang=en"><span>Donate</span></a></li><li id="pt-createaccount" class="user-links-collapsible-item mw-list-item"><a href="/w/index.php?title=Special:CreateAccount&returnto=Mobile+payment" title="You are encouraged to create an account and log in; however, it is not mandatory"><span class="vector-icon mw-ui-icon-userAdd mw-ui-icon-wikimedia-userAdd"></span> <span>Create account</span></a></li><li id="pt-login" class="user-links-collapsible-item mw-list-item"><a href="/w/index.php?title=Special:UserLogin&returnto=Mobile+payment" title="You're encouraged to log in; however, it's not mandatory. [o]" accesskey="o"><span class="vector-icon mw-ui-icon-logIn mw-ui-icon-wikimedia-logIn"></span> <span>Log in</span></a></li> </ul> </div> </div> <div id="p-user-menu-anon-editor" class="vector-menu mw-portlet mw-portlet-user-menu-anon-editor" > <div class="vector-menu-heading"> Pages for logged out editors <a href="/wiki/Help:Introduction" aria-label="Learn more about editing"><span>learn more</span></a> </div> <div class="vector-menu-content"> <ul class="vector-menu-content-list"> <li id="pt-anoncontribs" class="mw-list-item"><a href="/wiki/Special:MyContributions" title="A list of edits made from this IP address [y]" accesskey="y"><span>Contributions</span></a></li><li id="pt-anontalk" class="mw-list-item"><a href="/wiki/Special:MyTalk" title="Discussion about edits from this IP address [n]" accesskey="n"><span>Talk</span></a></li> </ul> </div> </div> </div> </div> </nav> </div> </header> </div> <div class="mw-page-container"> <div class="mw-page-container-inner"> <div class="vector-sitenotice-container"> <div id="siteNotice"></div> </div> <div class="vector-column-start"> <div class="vector-main-menu-container"> <div id="mw-navigation"> <nav id="mw-panel" class="vector-main-menu-landmark" aria-label="Site"> <div id="vector-main-menu-pinned-container" class="vector-pinned-container"> </div> </nav> </div> </div> <div class="vector-sticky-pinned-container"> <nav id="mw-panel-toc" aria-label="Contents" data-event-name="ui.sidebar-toc" class="mw-table-of-contents-container vector-toc-landmark"> <div id="vector-toc-pinned-container" class="vector-pinned-container"> <div id="vector-toc" class="vector-toc vector-pinnable-element"> <div class="vector-pinnable-header vector-toc-pinnable-header vector-pinnable-header-pinned" data-feature-name="toc-pinned" data-pinnable-element-id="vector-toc" > <h2 class="vector-pinnable-header-label">Contents</h2> <button class="vector-pinnable-header-toggle-button vector-pinnable-header-pin-button" data-event-name="pinnable-header.vector-toc.pin">move to sidebar</button> <button class="vector-pinnable-header-toggle-button vector-pinnable-header-unpin-button" data-event-name="pinnable-header.vector-toc.unpin">hide</button> </div> <ul class="vector-toc-contents" id="mw-panel-toc-list"> <li id="toc-mw-content-text" class="vector-toc-list-item vector-toc-level-1"> <a href="#" class="vector-toc-link"> <div class="vector-toc-text">(Top)</div> </a> </li> <li id="toc-Models" class="vector-toc-list-item vector-toc-level-1 vector-toc-list-item-expanded"> <a class="vector-toc-link" href="#Models"> <div class="vector-toc-text"> <span class="vector-toc-numb">1</span> <span>Models</span> </div> </a> <ul id="toc-Models-sublist" class="vector-toc-list"> </ul> </li> <li id="toc-Mobile_wallets" class="vector-toc-list-item vector-toc-level-1 vector-toc-list-item-expanded"> <a class="vector-toc-link" href="#Mobile_wallets"> <div class="vector-toc-text"> <span class="vector-toc-numb">2</span> <span>Mobile wallets</span> </div> </a> <ul id="toc-Mobile_wallets-sublist" class="vector-toc-list"> </ul> </li> <li id="toc-Credit_card" class="vector-toc-list-item vector-toc-level-1 vector-toc-list-item-expanded"> <a class="vector-toc-link" href="#Credit_card"> <div class="vector-toc-text"> <span class="vector-toc-numb">3</span> <span>Credit card</span> </div> </a> <ul id="toc-Credit_card-sublist" class="vector-toc-list"> </ul> </li> <li id="toc-Carrier_billing" class="vector-toc-list-item vector-toc-level-1 vector-toc-list-item-expanded"> <a class="vector-toc-link" href="#Carrier_billing"> <div class="vector-toc-text"> <span class="vector-toc-numb">4</span> <span>Carrier billing</span> </div> </a> <button aria-controls="toc-Carrier_billing-sublist" class="cdx-button cdx-button--weight-quiet cdx-button--icon-only vector-toc-toggle"> <span class="vector-icon mw-ui-icon-wikimedia-expand"></span> <span>Toggle Carrier billing subsection</span> </button> <ul id="toc-Carrier_billing-sublist" class="vector-toc-list"> <li id="toc-Remote_payment_by_SMS_and_credit_card_tokenization" class="vector-toc-list-item vector-toc-level-2"> <a class="vector-toc-link" href="#Remote_payment_by_SMS_and_credit_card_tokenization"> <div class="vector-toc-text"> <span class="vector-toc-numb">4.1</span> <span>Remote payment by SMS and credit card tokenization</span> </div> </a> <ul id="toc-Remote_payment_by_SMS_and_credit_card_tokenization-sublist" class="vector-toc-list"> </ul> </li> <li id="toc-Direct_operator_billing" class="vector-toc-list-item vector-toc-level-2"> <a class="vector-toc-link" href="#Direct_operator_billing"> <div class="vector-toc-text"> <span class="vector-toc-numb">4.2</span> <span>Direct operator billing</span> </div> </a> <ul id="toc-Direct_operator_billing-sublist" class="vector-toc-list"> </ul> </li> </ul> </li> <li id="toc-Contactless_near-field_communication" class="vector-toc-list-item vector-toc-level-1 vector-toc-list-item-expanded"> <a class="vector-toc-link" href="#Contactless_near-field_communication"> <div class="vector-toc-text"> <span class="vector-toc-numb">5</span> <span>Contactless near-field communication</span> </div> </a> <ul id="toc-Contactless_near-field_communication-sublist" class="vector-toc-list"> </ul> </li> <li id="toc-Other_mobile_payment_methods" class="vector-toc-list-item vector-toc-level-1 vector-toc-list-item-expanded"> <a class="vector-toc-link" href="#Other_mobile_payment_methods"> <div class="vector-toc-text"> <span class="vector-toc-numb">6</span> <span>Other mobile payment methods</span> </div> </a> <button aria-controls="toc-Other_mobile_payment_methods-sublist" class="cdx-button cdx-button--weight-quiet cdx-button--icon-only vector-toc-toggle"> <span class="vector-icon mw-ui-icon-wikimedia-expand"></span> <span>Toggle Other mobile payment methods subsection</span> </button> <ul id="toc-Other_mobile_payment_methods-sublist" class="vector-toc-list"> <li id="toc-QR_code_payments" class="vector-toc-list-item vector-toc-level-2"> <a class="vector-toc-link" href="#QR_code_payments"> <div class="vector-toc-text"> <span class="vector-toc-numb">6.1</span> <span>QR code payments</span> </div> </a> <ul id="toc-QR_code_payments-sublist" class="vector-toc-list"> </ul> </li> <li id="toc-Cloud-based_mobile_payments" class="vector-toc-list-item vector-toc-level-2"> <a class="vector-toc-link" href="#Cloud-based_mobile_payments"> <div class="vector-toc-text"> <span class="vector-toc-numb">6.2</span> <span>Cloud-based mobile payments</span> </div> </a> <ul id="toc-Cloud-based_mobile_payments-sublist" class="vector-toc-list"> </ul> </li> <li id="toc-Audio_signal-based_payments" class="vector-toc-list-item vector-toc-level-2"> <a class="vector-toc-link" href="#Audio_signal-based_payments"> <div class="vector-toc-text"> <span class="vector-toc-numb">6.3</span> <span>Audio signal-based payments</span> </div> </a> <ul id="toc-Audio_signal-based_payments-sublist" class="vector-toc-list"> </ul> </li> <li id="toc-Direct_carrier_and_bank_co-operation" class="vector-toc-list-item vector-toc-level-2"> <a class="vector-toc-link" href="#Direct_carrier_and_bank_co-operation"> <div class="vector-toc-text"> <span class="vector-toc-numb">6.4</span> <span>Direct carrier and bank co-operation</span> </div> </a> <ul id="toc-Direct_carrier_and_bank_co-operation-sublist" class="vector-toc-list"> </ul> </li> <li id="toc-Magnetic_secure_transmission" class="vector-toc-list-item vector-toc-level-2"> <a class="vector-toc-link" href="#Magnetic_secure_transmission"> <div class="vector-toc-text"> <span class="vector-toc-numb">6.5</span> <span>Magnetic secure transmission</span> </div> </a> <ul id="toc-Magnetic_secure_transmission-sublist" class="vector-toc-list"> </ul> </li> <li id="toc-Bank_transfer_systems" class="vector-toc-list-item vector-toc-level-2"> <a class="vector-toc-link" href="#Bank_transfer_systems"> <div class="vector-toc-text"> <span class="vector-toc-numb">6.6</span> <span>Bank transfer systems</span> </div> </a> <ul id="toc-Bank_transfer_systems-sublist" class="vector-toc-list"> </ul> </li> </ul> </li> <li id="toc-See_also" class="vector-toc-list-item vector-toc-level-1 vector-toc-list-item-expanded"> <a class="vector-toc-link" href="#See_also"> <div class="vector-toc-text"> <span class="vector-toc-numb">7</span> <span>See also</span> </div> </a> <ul id="toc-See_also-sublist" class="vector-toc-list"> </ul> </li> <li id="toc-References" class="vector-toc-list-item vector-toc-level-1 vector-toc-list-item-expanded"> <a class="vector-toc-link" href="#References"> <div class="vector-toc-text"> <span class="vector-toc-numb">8</span> <span>References</span> </div> </a> <ul id="toc-References-sublist" class="vector-toc-list"> </ul> </li> </ul> </div> </div> </nav> </div> </div> <div class="mw-content-container"> <main id="content" class="mw-body"> <header class="mw-body-header vector-page-titlebar"> <nav aria-label="Contents" class="vector-toc-landmark"> <div id="vector-page-titlebar-toc" class="vector-dropdown vector-page-titlebar-toc vector-button-flush-left" > <input type="checkbox" id="vector-page-titlebar-toc-checkbox" role="button" aria-haspopup="true" data-event-name="ui.dropdown-vector-page-titlebar-toc" class="vector-dropdown-checkbox " aria-label="Toggle the table of contents" > <label id="vector-page-titlebar-toc-label" for="vector-page-titlebar-toc-checkbox" class="vector-dropdown-label cdx-button cdx-button--fake-button cdx-button--fake-button--enabled cdx-button--weight-quiet cdx-button--icon-only " aria-hidden="true" ><span class="vector-icon mw-ui-icon-listBullet mw-ui-icon-wikimedia-listBullet"></span> <span class="vector-dropdown-label-text">Toggle the table of contents</span> </label> <div class="vector-dropdown-content"> <div id="vector-page-titlebar-toc-unpinned-container" class="vector-unpinned-container"> </div> </div> </div> </nav> <h1 id="firstHeading" class="firstHeading mw-first-heading"><span class="mw-page-title-main">Mobile payment</span></h1> <div id="p-lang-btn" class="vector-dropdown mw-portlet mw-portlet-lang" > <input type="checkbox" id="p-lang-btn-checkbox" role="button" aria-haspopup="true" data-event-name="ui.dropdown-p-lang-btn" class="vector-dropdown-checkbox mw-interlanguage-selector" aria-label="Go to an article in another language. Available in 28 languages" > <label id="p-lang-btn-label" for="p-lang-btn-checkbox" class="vector-dropdown-label cdx-button cdx-button--fake-button cdx-button--fake-button--enabled cdx-button--weight-quiet cdx-button--action-progressive mw-portlet-lang-heading-28" aria-hidden="true" ><span class="vector-icon mw-ui-icon-language-progressive mw-ui-icon-wikimedia-language-progressive"></span> <span class="vector-dropdown-label-text">28 languages</span> </label> <div class="vector-dropdown-content"> <div class="vector-menu-content"> <ul class="vector-menu-content-list"> <li class="interlanguage-link interwiki-ar mw-list-item"><a href="https://ar.wikipedia.org/wiki/%D8%AF%D9%81%D8%B9_%D8%A8%D8%A7%D9%84%D9%87%D8%A7%D8%AA%D9%81_%D8%A7%D9%84%D9%85%D8%AD%D9%85%D9%88%D9%84" title="دفع بالهاتف المحمول – Arabic" lang="ar" hreflang="ar" data-title="دفع بالهاتف المحمول" data-language-autonym="العربية" data-language-local-name="Arabic" class="interlanguage-link-target"><span>العربية</span></a></li><li class="interlanguage-link interwiki-az mw-list-item"><a href="https://az.wikipedia.org/wiki/Mobil_%C3%B6d%C9%99ni%C5%9F" title="Mobil ödəniş – Azerbaijani" lang="az" hreflang="az" data-title="Mobil ödəniş" data-language-autonym="Azərbaycanca" data-language-local-name="Azerbaijani" class="interlanguage-link-target"><span>Azərbaycanca</span></a></li><li class="interlanguage-link interwiki-cs mw-list-item"><a href="https://cs.wikipedia.org/wiki/Mobiln%C3%AD_platba" title="Mobilní platba – Czech" lang="cs" hreflang="cs" data-title="Mobilní platba" data-language-autonym="Čeština" data-language-local-name="Czech" class="interlanguage-link-target"><span>Čeština</span></a></li><li class="interlanguage-link interwiki-da mw-list-item"><a href="https://da.wikipedia.org/wiki/Mobilbetaling" title="Mobilbetaling – Danish" lang="da" hreflang="da" data-title="Mobilbetaling" data-language-autonym="Dansk" data-language-local-name="Danish" class="interlanguage-link-target"><span>Dansk</span></a></li><li class="interlanguage-link interwiki-de mw-list-item"><a href="https://de.wikipedia.org/wiki/Mobile_Payment" title="Mobile Payment – German" lang="de" hreflang="de" data-title="Mobile Payment" data-language-autonym="Deutsch" data-language-local-name="German" class="interlanguage-link-target"><span>Deutsch</span></a></li><li class="interlanguage-link interwiki-et mw-list-item"><a href="https://et.wikipedia.org/wiki/Mobiilimaksed" title="Mobiilimaksed – Estonian" lang="et" hreflang="et" data-title="Mobiilimaksed" data-language-autonym="Eesti" data-language-local-name="Estonian" class="interlanguage-link-target"><span>Eesti</span></a></li><li class="interlanguage-link interwiki-es mw-list-item"><a href="https://es.wikipedia.org/wiki/Pago_m%C3%B3vil" title="Pago móvil – Spanish" lang="es" hreflang="es" data-title="Pago móvil" data-language-autonym="Español" data-language-local-name="Spanish" class="interlanguage-link-target"><span>Español</span></a></li><li class="interlanguage-link interwiki-fa mw-list-item"><a href="https://fa.wikipedia.org/wiki/%D9%BE%D8%B1%D8%AF%D8%A7%D8%AE%D8%AA_%D9%87%D9%85%D8%B1%D8%A7%D9%87" title="پرداخت همراه – Persian" lang="fa" hreflang="fa" data-title="پرداخت همراه" data-language-autonym="فارسی" data-language-local-name="Persian" class="interlanguage-link-target"><span>فارسی</span></a></li><li class="interlanguage-link interwiki-fr mw-list-item"><a href="https://fr.wikipedia.org/wiki/Paiement_mobile" title="Paiement mobile – French" lang="fr" hreflang="fr" data-title="Paiement mobile" data-language-autonym="Français" data-language-local-name="French" class="interlanguage-link-target"><span>Français</span></a></li><li class="interlanguage-link interwiki-ko mw-list-item"><a href="https://ko.wikipedia.org/wiki/%EB%AA%A8%EB%B0%94%EC%9D%BC_%EA%B2%B0%EC%A0%9C" title="모바일 결제 – Korean" lang="ko" hreflang="ko" data-title="모바일 결제" data-language-autonym="한국어" data-language-local-name="Korean" class="interlanguage-link-target"><span>한국어</span></a></li><li class="interlanguage-link interwiki-id mw-list-item"><a href="https://id.wikipedia.org/wiki/Pembayaran_bergerak" title="Pembayaran bergerak – Indonesian" lang="id" hreflang="id" data-title="Pembayaran bergerak" data-language-autonym="Bahasa Indonesia" data-language-local-name="Indonesian" class="interlanguage-link-target"><span>Bahasa Indonesia</span></a></li><li class="interlanguage-link interwiki-it mw-list-item"><a href="https://it.wikipedia.org/wiki/Mobile_payment" title="Mobile payment – Italian" lang="it" hreflang="it" data-title="Mobile payment" data-language-autonym="Italiano" data-language-local-name="Italian" class="interlanguage-link-target"><span>Italiano</span></a></li><li class="interlanguage-link interwiki-he mw-list-item"><a href="https://he.wikipedia.org/wiki/%D7%AA%D7%A9%D7%9C%D7%95%D7%9D_%D7%91%D7%A0%D7%99%D7%99%D7%93" title="תשלום בנייד – Hebrew" lang="he" hreflang="he" data-title="תשלום בנייד" data-language-autonym="עברית" data-language-local-name="Hebrew" class="interlanguage-link-target"><span>עברית</span></a></li><li class="interlanguage-link interwiki-hu mw-list-item"><a href="https://hu.wikipedia.org/wiki/Mobilfizet%C3%A9s" title="Mobilfizetés – Hungarian" lang="hu" hreflang="hu" data-title="Mobilfizetés" data-language-autonym="Magyar" data-language-local-name="Hungarian" class="interlanguage-link-target"><span>Magyar</span></a></li><li class="interlanguage-link interwiki-mr mw-list-item"><a href="https://mr.wikipedia.org/wiki/%E0%A4%AE%E0%A5%8B%E0%A4%AC%E0%A4%BE%E0%A4%88%E0%A4%B2_%E0%A4%AA%E0%A5%87%E0%A4%AE%E0%A5%87%E0%A4%82%E0%A4%9F" title="मोबाईल पेमेंट – Marathi" lang="mr" hreflang="mr" data-title="मोबाईल पेमेंट" data-language-autonym="मराठी" data-language-local-name="Marathi" class="interlanguage-link-target"><span>मराठी</span></a></li><li class="interlanguage-link interwiki-ms mw-list-item"><a href="https://ms.wikipedia.org/wiki/Pembayaran_mudah_alih" title="Pembayaran mudah alih – Malay" lang="ms" hreflang="ms" data-title="Pembayaran mudah alih" data-language-autonym="Bahasa Melayu" data-language-local-name="Malay" class="interlanguage-link-target"><span>Bahasa Melayu</span></a></li><li class="interlanguage-link interwiki-nl mw-list-item"><a href="https://nl.wikipedia.org/wiki/Mobiel_betalen" title="Mobiel betalen – Dutch" lang="nl" hreflang="nl" data-title="Mobiel betalen" data-language-autonym="Nederlands" data-language-local-name="Dutch" class="interlanguage-link-target"><span>Nederlands</span></a></li><li class="interlanguage-link interwiki-ja mw-list-item"><a href="https://ja.wikipedia.org/wiki/%E9%9D%9E%E6%8E%A5%E8%A7%A6%E5%9E%8B%E6%B1%BA%E6%B8%88" title="非接触型決済 – Japanese" lang="ja" hreflang="ja" data-title="非接触型決済" data-language-autonym="日本語" data-language-local-name="Japanese" class="interlanguage-link-target"><span>日本語</span></a></li><li class="interlanguage-link interwiki-no mw-list-item"><a href="https://no.wikipedia.org/wiki/Mobilbetaling" title="Mobilbetaling – Norwegian Bokmål" lang="nb" hreflang="nb" data-title="Mobilbetaling" data-language-autonym="Norsk bokmål" data-language-local-name="Norwegian Bokmål" class="interlanguage-link-target"><span>Norsk bokmål</span></a></li><li class="interlanguage-link interwiki-pl mw-list-item"><a href="https://pl.wikipedia.org/wiki/P%C5%82atno%C5%9Bci_mobilne" title="Płatności mobilne – Polish" lang="pl" hreflang="pl" data-title="Płatności mobilne" data-language-autonym="Polski" data-language-local-name="Polish" class="interlanguage-link-target"><span>Polski</span></a></li><li class="interlanguage-link interwiki-pt mw-list-item"><a href="https://pt.wikipedia.org/wiki/Pagamento_m%C3%B3vel" title="Pagamento móvel – Portuguese" lang="pt" hreflang="pt" data-title="Pagamento móvel" data-language-autonym="Português" data-language-local-name="Portuguese" class="interlanguage-link-target"><span>Português</span></a></li><li class="interlanguage-link interwiki-ru mw-list-item"><a href="https://ru.wikipedia.org/wiki/%D0%9C%D0%BE%D0%B1%D0%B8%D0%BB%D1%8C%D0%BD%D1%8B%D0%B9_%D0%BF%D0%BB%D0%B0%D1%82%D1%91%D0%B6" title="Мобильный платёж – Russian" lang="ru" hreflang="ru" data-title="Мобильный платёж" data-language-autonym="Русский" data-language-local-name="Russian" class="interlanguage-link-target"><span>Русский</span></a></li><li class="interlanguage-link interwiki-fi mw-list-item"><a href="https://fi.wikipedia.org/wiki/Mobiilimaksaminen" title="Mobiilimaksaminen – Finnish" lang="fi" hreflang="fi" data-title="Mobiilimaksaminen" data-language-autonym="Suomi" data-language-local-name="Finnish" class="interlanguage-link-target"><span>Suomi</span></a></li><li class="interlanguage-link interwiki-sv mw-list-item"><a href="https://sv.wikipedia.org/wiki/Mobila_betalningar" title="Mobila betalningar – Swedish" lang="sv" hreflang="sv" data-title="Mobila betalningar" data-language-autonym="Svenska" data-language-local-name="Swedish" class="interlanguage-link-target"><span>Svenska</span></a></li><li class="interlanguage-link interwiki-tr mw-list-item"><a href="https://tr.wikipedia.org/wiki/Mobil_%C3%B6deme" title="Mobil ödeme – Turkish" lang="tr" hreflang="tr" data-title="Mobil ödeme" data-language-autonym="Türkçe" data-language-local-name="Turkish" class="interlanguage-link-target"><span>Türkçe</span></a></li><li class="interlanguage-link interwiki-ur mw-list-item"><a href="https://ur.wikipedia.org/wiki/%D9%85%D9%88%D8%A8%D8%A7%D8%A6%D9%84_%D8%A7%D8%AF%D8%A7%D8%A6%DB%8C%DA%AF%DB%8C%D8%A7%DA%BA" title="موبائل ادائیگیاں – Urdu" lang="ur" hreflang="ur" data-title="موبائل ادائیگیاں" data-language-autonym="اردو" data-language-local-name="Urdu" class="interlanguage-link-target"><span>اردو</span></a></li><li class="interlanguage-link interwiki-vi mw-list-item"><a href="https://vi.wikipedia.org/wiki/Thanh_to%C3%A1n_di_%C4%91%E1%BB%99ng" title="Thanh toán di động – Vietnamese" lang="vi" hreflang="vi" data-title="Thanh toán di động" data-language-autonym="Tiếng Việt" data-language-local-name="Vietnamese" class="interlanguage-link-target"><span>Tiếng Việt</span></a></li><li class="interlanguage-link interwiki-zh mw-list-item"><a href="https://zh.wikipedia.org/wiki/%E8%A1%8C%E5%8B%95%E6%94%AF%E4%BB%98" title="行動支付 – Chinese" lang="zh" hreflang="zh" data-title="行動支付" data-language-autonym="中文" data-language-local-name="Chinese" class="interlanguage-link-target"><span>中文</span></a></li> </ul> <div class="after-portlet after-portlet-lang"><span class="wb-langlinks-edit wb-langlinks-link"><a href="https://www.wikidata.org/wiki/Special:EntityPage/Q1365703#sitelinks-wikipedia" title="Edit interlanguage links" class="wbc-editpage">Edit links</a></span></div> </div> </div> </div> </header> <div class="vector-page-toolbar"> <div class="vector-page-toolbar-container"> <div id="left-navigation"> <nav aria-label="Namespaces"> <div id="p-associated-pages" class="vector-menu vector-menu-tabs mw-portlet mw-portlet-associated-pages" > <div class="vector-menu-content"> <ul class="vector-menu-content-list"> <li id="ca-nstab-main" class="selected vector-tab-noicon mw-list-item"><a href="/wiki/Mobile_payment" title="View the content page [c]" accesskey="c"><span>Article</span></a></li><li id="ca-talk" class="vector-tab-noicon mw-list-item"><a href="/wiki/Talk:Mobile_payment" rel="discussion" title="Discuss improvements to the content page [t]" accesskey="t"><span>Talk</span></a></li> </ul> </div> </div> <div id="vector-variants-dropdown" class="vector-dropdown emptyPortlet" > <input type="checkbox" id="vector-variants-dropdown-checkbox" role="button" aria-haspopup="true" data-event-name="ui.dropdown-vector-variants-dropdown" class="vector-dropdown-checkbox " aria-label="Change language variant" > <label id="vector-variants-dropdown-label" for="vector-variants-dropdown-checkbox" class="vector-dropdown-label cdx-button cdx-button--fake-button cdx-button--fake-button--enabled cdx-button--weight-quiet" aria-hidden="true" ><span class="vector-dropdown-label-text">English</span> </label> <div class="vector-dropdown-content"> <div id="p-variants" class="vector-menu mw-portlet mw-portlet-variants emptyPortlet" > <div class="vector-menu-content"> <ul class="vector-menu-content-list"> </ul> </div> </div> </div> </div> </nav> </div> <div id="right-navigation" class="vector-collapsible"> <nav aria-label="Views"> <div id="p-views" class="vector-menu vector-menu-tabs mw-portlet mw-portlet-views" > <div class="vector-menu-content"> <ul class="vector-menu-content-list"> <li id="ca-view" class="selected vector-tab-noicon mw-list-item"><a href="/wiki/Mobile_payment"><span>Read</span></a></li><li id="ca-edit" class="vector-tab-noicon mw-list-item"><a href="/w/index.php?title=Mobile_payment&action=edit" title="Edit this page [e]" accesskey="e"><span>Edit</span></a></li><li id="ca-history" class="vector-tab-noicon mw-list-item"><a href="/w/index.php?title=Mobile_payment&action=history" title="Past revisions of this page [h]" accesskey="h"><span>View history</span></a></li> </ul> </div> </div> </nav> <nav class="vector-page-tools-landmark" aria-label="Page tools"> <div id="vector-page-tools-dropdown" class="vector-dropdown vector-page-tools-dropdown" > <input type="checkbox" id="vector-page-tools-dropdown-checkbox" role="button" aria-haspopup="true" data-event-name="ui.dropdown-vector-page-tools-dropdown" class="vector-dropdown-checkbox " aria-label="Tools" > <label id="vector-page-tools-dropdown-label" for="vector-page-tools-dropdown-checkbox" class="vector-dropdown-label cdx-button cdx-button--fake-button cdx-button--fake-button--enabled cdx-button--weight-quiet" aria-hidden="true" ><span class="vector-dropdown-label-text">Tools</span> </label> <div class="vector-dropdown-content"> <div id="vector-page-tools-unpinned-container" class="vector-unpinned-container"> <div id="vector-page-tools" class="vector-page-tools vector-pinnable-element"> <div class="vector-pinnable-header vector-page-tools-pinnable-header vector-pinnable-header-unpinned" data-feature-name="page-tools-pinned" data-pinnable-element-id="vector-page-tools" data-pinned-container-id="vector-page-tools-pinned-container" data-unpinned-container-id="vector-page-tools-unpinned-container" > <div class="vector-pinnable-header-label">Tools</div> <button class="vector-pinnable-header-toggle-button vector-pinnable-header-pin-button" data-event-name="pinnable-header.vector-page-tools.pin">move to sidebar</button> <button class="vector-pinnable-header-toggle-button vector-pinnable-header-unpin-button" data-event-name="pinnable-header.vector-page-tools.unpin">hide</button> </div> <div id="p-cactions" class="vector-menu mw-portlet mw-portlet-cactions emptyPortlet vector-has-collapsible-items" title="More options" > <div class="vector-menu-heading"> Actions </div> <div class="vector-menu-content"> <ul class="vector-menu-content-list"> <li id="ca-more-view" class="selected vector-more-collapsible-item mw-list-item"><a href="/wiki/Mobile_payment"><span>Read</span></a></li><li id="ca-more-edit" class="vector-more-collapsible-item mw-list-item"><a href="/w/index.php?title=Mobile_payment&action=edit" title="Edit this page [e]" accesskey="e"><span>Edit</span></a></li><li id="ca-more-history" class="vector-more-collapsible-item mw-list-item"><a href="/w/index.php?title=Mobile_payment&action=history"><span>View history</span></a></li> </ul> </div> </div> <div id="p-tb" class="vector-menu mw-portlet mw-portlet-tb" > <div class="vector-menu-heading"> General </div> <div class="vector-menu-content"> <ul class="vector-menu-content-list"> <li id="t-whatlinkshere" class="mw-list-item"><a href="/wiki/Special:WhatLinksHere/Mobile_payment" title="List of all English Wikipedia pages containing links to this page [j]" accesskey="j"><span>What links here</span></a></li><li id="t-recentchangeslinked" class="mw-list-item"><a href="/wiki/Special:RecentChangesLinked/Mobile_payment" rel="nofollow" title="Recent changes in pages linked from this page [k]" accesskey="k"><span>Related changes</span></a></li><li id="t-upload" class="mw-list-item"><a href="/wiki/Wikipedia:File_Upload_Wizard" title="Upload files [u]" accesskey="u"><span>Upload file</span></a></li><li id="t-specialpages" class="mw-list-item"><a href="/wiki/Special:SpecialPages" title="A list of all special pages [q]" accesskey="q"><span>Special pages</span></a></li><li id="t-permalink" class="mw-list-item"><a href="/w/index.php?title=Mobile_payment&oldid=1258578449" title="Permanent link to this revision of this page"><span>Permanent link</span></a></li><li id="t-info" class="mw-list-item"><a href="/w/index.php?title=Mobile_payment&action=info" title="More information about this page"><span>Page information</span></a></li><li id="t-cite" class="mw-list-item"><a href="/w/index.php?title=Special:CiteThisPage&page=Mobile_payment&id=1258578449&wpFormIdentifier=titleform" title="Information on how to cite this page"><span>Cite this page</span></a></li><li id="t-urlshortener" class="mw-list-item"><a href="/w/index.php?title=Special:UrlShortener&url=https%3A%2F%2Fen.wikipedia.org%2Fwiki%2FMobile_payment"><span>Get shortened URL</span></a></li><li id="t-urlshortener-qrcode" class="mw-list-item"><a href="/w/index.php?title=Special:QrCode&url=https%3A%2F%2Fen.wikipedia.org%2Fwiki%2FMobile_payment"><span>Download QR code</span></a></li> </ul> </div> </div> <div id="p-coll-print_export" class="vector-menu mw-portlet mw-portlet-coll-print_export" > <div class="vector-menu-heading"> Print/export </div> <div class="vector-menu-content"> <ul class="vector-menu-content-list"> <li id="coll-download-as-rl" class="mw-list-item"><a href="/w/index.php?title=Special:DownloadAsPdf&page=Mobile_payment&action=show-download-screen" title="Download this page as a PDF file"><span>Download as PDF</span></a></li><li id="t-print" class="mw-list-item"><a href="/w/index.php?title=Mobile_payment&printable=yes" title="Printable version of this page [p]" accesskey="p"><span>Printable version</span></a></li> </ul> </div> </div> <div id="p-wikibase-otherprojects" class="vector-menu mw-portlet mw-portlet-wikibase-otherprojects" > <div class="vector-menu-heading"> In other projects </div> <div class="vector-menu-content"> <ul class="vector-menu-content-list"> <li class="wb-otherproject-link wb-otherproject-commons mw-list-item"><a href="https://commons.wikimedia.org/wiki/Category:Mobile_payment" hreflang="en"><span>Wikimedia Commons</span></a></li><li id="t-wikibase" class="wb-otherproject-link wb-otherproject-wikibase-dataitem mw-list-item"><a href="https://www.wikidata.org/wiki/Special:EntityPage/Q1365703" title="Structured data on this page hosted by Wikidata [g]" accesskey="g"><span>Wikidata item</span></a></li> </ul> </div> </div> </div> </div> </div> </div> </nav> </div> </div> </div> <div class="vector-column-end"> <div class="vector-sticky-pinned-container"> <nav class="vector-page-tools-landmark" aria-label="Page tools"> <div id="vector-page-tools-pinned-container" class="vector-pinned-container"> </div> </nav> <nav class="vector-appearance-landmark" aria-label="Appearance"> <div id="vector-appearance-pinned-container" class="vector-pinned-container"> <div id="vector-appearance" class="vector-appearance vector-pinnable-element"> <div class="vector-pinnable-header vector-appearance-pinnable-header vector-pinnable-header-pinned" data-feature-name="appearance-pinned" data-pinnable-element-id="vector-appearance" data-pinned-container-id="vector-appearance-pinned-container" data-unpinned-container-id="vector-appearance-unpinned-container" > <div class="vector-pinnable-header-label">Appearance</div> <button class="vector-pinnable-header-toggle-button vector-pinnable-header-pin-button" data-event-name="pinnable-header.vector-appearance.pin">move to sidebar</button> <button class="vector-pinnable-header-toggle-button vector-pinnable-header-unpin-button" data-event-name="pinnable-header.vector-appearance.unpin">hide</button> </div> </div> </div> </nav> </div> </div> <div id="bodyContent" class="vector-body" aria-labelledby="firstHeading" data-mw-ve-target-container> <div class="vector-body-before-content"> <div class="mw-indicators"> </div> <div id="siteSub" class="noprint">From Wikipedia, the free encyclopedia</div> </div> <div id="contentSub"><div id="mw-content-subtitle"></div></div> <div id="mw-content-text" class="mw-body-content"><div class="mw-content-ltr mw-parser-output" lang="en" dir="ltr"><style data-mw-deduplicate="TemplateStyles:r1236090951">.mw-parser-output .hatnote{font-style:italic}.mw-parser-output div.hatnote{padding-left:1.6em;margin-bottom:0.5em}.mw-parser-output .hatnote i{font-style:normal}.mw-parser-output .hatnote+link+.hatnote{margin-top:-0.5em}@media print{body.ns-0 .mw-parser-output .hatnote{display:none!important}}</style><div role="note" class="hatnote navigation-not-searchable">"Mobile money" redirects here. For the payment platform, see <a href="/wiki/Mobile_Money" title="Mobile Money">Mobile Money</a></div> <div class="shortdescription nomobile noexcerpt noprint searchaux" style="display:none">Payment services via a mobile device</div> <style data-mw-deduplicate="TemplateStyles:r1129693374">.mw-parser-output .hlist dl,.mw-parser-output .hlist ol,.mw-parser-output .hlist ul{margin:0;padding:0}.mw-parser-output .hlist dd,.mw-parser-output .hlist dt,.mw-parser-output .hlist li{margin:0;display:inline}.mw-parser-output .hlist.inline,.mw-parser-output .hlist.inline dl,.mw-parser-output .hlist.inline ol,.mw-parser-output .hlist.inline ul,.mw-parser-output .hlist dl dl,.mw-parser-output .hlist dl ol,.mw-parser-output .hlist dl ul,.mw-parser-output .hlist ol dl,.mw-parser-output .hlist ol ol,.mw-parser-output .hlist ol ul,.mw-parser-output .hlist ul dl,.mw-parser-output .hlist ul ol,.mw-parser-output .hlist ul ul{display:inline}.mw-parser-output .hlist .mw-empty-li{display:none}.mw-parser-output .hlist dt::after{content:": "}.mw-parser-output .hlist dd::after,.mw-parser-output .hlist li::after{content:" · ";font-weight:bold}.mw-parser-output .hlist dd:last-child::after,.mw-parser-output .hlist dt:last-child::after,.mw-parser-output .hlist li:last-child::after{content:none}.mw-parser-output .hlist dd dd:first-child::before,.mw-parser-output .hlist dd dt:first-child::before,.mw-parser-output .hlist dd li:first-child::before,.mw-parser-output .hlist dt dd:first-child::before,.mw-parser-output .hlist dt dt:first-child::before,.mw-parser-output .hlist dt li:first-child::before,.mw-parser-output .hlist li dd:first-child::before,.mw-parser-output .hlist li dt:first-child::before,.mw-parser-output .hlist li li:first-child::before{content:" (";font-weight:normal}.mw-parser-output .hlist dd dd:last-child::after,.mw-parser-output .hlist dd dt:last-child::after,.mw-parser-output .hlist dd li:last-child::after,.mw-parser-output .hlist dt dd:last-child::after,.mw-parser-output .hlist dt dt:last-child::after,.mw-parser-output .hlist dt li:last-child::after,.mw-parser-output .hlist li dd:last-child::after,.mw-parser-output .hlist li dt:last-child::after,.mw-parser-output .hlist li li:last-child::after{content:")";font-weight:normal}.mw-parser-output .hlist ol{counter-reset:listitem}.mw-parser-output .hlist ol>li{counter-increment:listitem}.mw-parser-output .hlist ol>li::before{content:" "counter(listitem)"\a0 "}.mw-parser-output .hlist dd ol>li:first-child::before,.mw-parser-output .hlist dt ol>li:first-child::before,.mw-parser-output .hlist li ol>li:first-child::before{content:" ("counter(listitem)"\a0 "}</style><style data-mw-deduplicate="TemplateStyles:r1246091330">.mw-parser-output .sidebar{width:22em;float:right;clear:right;margin:0.5em 0 1em 1em;background:var(--background-color-neutral-subtle,#f8f9fa);border:1px solid var(--border-color-base,#a2a9b1);padding:0.2em;text-align:center;line-height:1.4em;font-size:88%;border-collapse:collapse;display:table}body.skin-minerva .mw-parser-output .sidebar{display:table!important;float:right!important;margin:0.5em 0 1em 1em!important}.mw-parser-output .sidebar-subgroup{width:100%;margin:0;border-spacing:0}.mw-parser-output .sidebar-left{float:left;clear:left;margin:0.5em 1em 1em 0}.mw-parser-output .sidebar-none{float:none;clear:both;margin:0.5em 1em 1em 0}.mw-parser-output .sidebar-outer-title{padding:0 0.4em 0.2em;font-size:125%;line-height:1.2em;font-weight:bold}.mw-parser-output .sidebar-top-image{padding:0.4em}.mw-parser-output .sidebar-top-caption,.mw-parser-output .sidebar-pretitle-with-top-image,.mw-parser-output .sidebar-caption{padding:0.2em 0.4em 0;line-height:1.2em}.mw-parser-output .sidebar-pretitle{padding:0.4em 0.4em 0;line-height:1.2em}.mw-parser-output .sidebar-title,.mw-parser-output .sidebar-title-with-pretitle{padding:0.2em 0.8em;font-size:145%;line-height:1.2em}.mw-parser-output .sidebar-title-with-pretitle{padding:0.1em 0.4em}.mw-parser-output .sidebar-image{padding:0.2em 0.4em 0.4em}.mw-parser-output .sidebar-heading{padding:0.1em 0.4em}.mw-parser-output .sidebar-content{padding:0 0.5em 0.4em}.mw-parser-output .sidebar-content-with-subgroup{padding:0.1em 0.4em 0.2em}.mw-parser-output .sidebar-above,.mw-parser-output .sidebar-below{padding:0.3em 0.8em;font-weight:bold}.mw-parser-output .sidebar-collapse .sidebar-above,.mw-parser-output .sidebar-collapse .sidebar-below{border-top:1px solid #aaa;border-bottom:1px solid #aaa}.mw-parser-output .sidebar-navbar{text-align:right;font-size:115%;padding:0 0.4em 0.4em}.mw-parser-output .sidebar-list-title{padding:0 0.4em;text-align:left;font-weight:bold;line-height:1.6em;font-size:105%}.mw-parser-output .sidebar-list-title-c{padding:0 0.4em;text-align:center;margin:0 3.3em}@media(max-width:640px){body.mediawiki .mw-parser-output .sidebar{width:100%!important;clear:both;float:none!important;margin-left:0!important;margin-right:0!important}}body.skin--responsive .mw-parser-output .sidebar a>img{max-width:none!important}@media screen{html.skin-theme-clientpref-night .mw-parser-output .sidebar:not(.notheme) .sidebar-list-title,html.skin-theme-clientpref-night .mw-parser-output .sidebar:not(.notheme) .sidebar-title-with-pretitle{background:transparent!important}html.skin-theme-clientpref-night .mw-parser-output .sidebar:not(.notheme) .sidebar-title-with-pretitle a{color:var(--color-progressive)!important}}@media screen and (prefers-color-scheme:dark){html.skin-theme-clientpref-os .mw-parser-output .sidebar:not(.notheme) .sidebar-list-title,html.skin-theme-clientpref-os .mw-parser-output .sidebar:not(.notheme) .sidebar-title-with-pretitle{background:transparent!important}html.skin-theme-clientpref-os .mw-parser-output .sidebar:not(.notheme) .sidebar-title-with-pretitle a{color:var(--color-progressive)!important}}@media print{body.ns-0 .mw-parser-output .sidebar{display:none!important}}</style><table class="sidebar nomobile nowraplinks hlist"><tbody><tr><th class="sidebar-title"><a href="/wiki/E-commerce" title="E-commerce">E-commerce</a></th></tr><tr><td class="sidebar-image"><span typeof="mw:File"><a href="/wiki/File:Shopping_cart_icon.svg" class="mw-file-description"><img src="//upload.wikimedia.org/wikipedia/commons/thumb/d/df/Shopping_cart_icon.svg/42px-Shopping_cart_icon.svg.png" decoding="async" width="42" height="34" class="mw-file-element" srcset="//upload.wikimedia.org/wikipedia/commons/thumb/d/df/Shopping_cart_icon.svg/63px-Shopping_cart_icon.svg.png 1.5x, //upload.wikimedia.org/wikipedia/commons/thumb/d/df/Shopping_cart_icon.svg/84px-Shopping_cart_icon.svg.png 2x" data-file-width="116" data-file-height="95" /></a></span></td></tr><tr><th class="sidebar-heading"> Digital content</th></tr><tr><td class="sidebar-content"> <ul><li><a href="/wiki/Ebook" title="Ebook">Ebook</a></li> <li><a href="/wiki/Software" title="Software">Software</a></li> <li><a href="/wiki/Streaming_media" title="Streaming media">Streaming media</a></li></ul></td> </tr><tr><th class="sidebar-heading"> Retail goods and services</th></tr><tr><td class="sidebar-content"> <ul><li><a href="/wiki/Online_advertising" title="Online advertising">Advertising</a></li> <li><a href="/wiki/Online_auction" title="Online auction">Auctions</a></li> <li><a href="/wiki/Online_banking" title="Online banking">Banking</a></li> <li><a href="/wiki/DVD-by-mail" title="DVD-by-mail">DVD-by-mail</a></li> <li><a href="/wiki/Digital_distribution" title="Digital distribution">Distribution</a></li> <li><a href="/wiki/Online_food_ordering" title="Online food ordering">Food ordering</a></li> <li><a href="/wiki/Online_grocer" title="Online grocer">Grocery</a></li> <li><a href="/wiki/Online_marketplace" title="Online marketplace">Marketplace</a></li> <li><a href="/wiki/Online_pharmacy" title="Online pharmacy">Pharmacy</a></li> <li><a href="/wiki/Ridesharing_company" title="Ridesharing company">Ride-hailing</a></li> <li><a href="/wiki/Travel_website" title="Travel website">Travel</a></li></ul></td> </tr><tr><th class="sidebar-heading"> <a href="/wiki/Online_shopping" title="Online shopping">Online shopping</a></th></tr><tr><td class="sidebar-content"> <ul><li><a href="/wiki/Comparison_shopping_website" title="Comparison shopping website">Comparison shopping</a></li> <li><a href="/wiki/Social_commerce" title="Social commerce">Social commerce</a></li> <li><a href="/wiki/Online_trading_community" title="Online trading community">Trading communities</a></li> <li><a href="/wiki/Online_wallet" title="Online wallet">Wallet</a></li></ul></td> </tr><tr><th class="sidebar-heading"> <a href="/wiki/Mobile_commerce" title="Mobile commerce">Mobile commerce</a></th></tr><tr><td class="sidebar-content"> <ul><li><a class="mw-selflink selflink">Payment</a></li> <li><a href="/wiki/Mobile_ticketing" title="Mobile ticketing">Ticketing</a></li></ul></td> </tr><tr><th class="sidebar-heading"> <a href="/wiki/Customer_service" title="Customer service">Customer service</a></th></tr><tr><td class="sidebar-content"> <ul><li><a href="/wiki/Call_centre" title="Call centre">Call centre</a></li> <li><a href="/wiki/Help_desk" title="Help desk">Help desk</a></li> <li><a href="/wiki/Online_chat" title="Online chat">Live support software</a></li></ul></td> </tr><tr><th class="sidebar-heading"> <a href="/wiki/E-procurement" title="E-procurement">E-procurement</a></th></tr><tr><th class="sidebar-heading"> <a href="/wiki/Purchase-to-pay" title="Purchase-to-pay">Purchase-to-pay</a></th></tr><tr><th class="sidebar-heading"> <a href="/wiki/Super-app" title="Super-app">Super-apps</a></th></tr><tr><td class="sidebar-navbar"><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1129693374"><style data-mw-deduplicate="TemplateStyles:r1239400231">.mw-parser-output .navbar{display:inline;font-size:88%;font-weight:normal}.mw-parser-output .navbar-collapse{float:left;text-align:left}.mw-parser-output .navbar-boxtext{word-spacing:0}.mw-parser-output .navbar ul{display:inline-block;white-space:nowrap;line-height:inherit}.mw-parser-output .navbar-brackets::before{margin-right:-0.125em;content:"[ "}.mw-parser-output .navbar-brackets::after{margin-left:-0.125em;content:" ]"}.mw-parser-output .navbar li{word-spacing:-0.125em}.mw-parser-output .navbar a>span,.mw-parser-output .navbar a>abbr{text-decoration:inherit}.mw-parser-output .navbar-mini abbr{font-variant:small-caps;border-bottom:none;text-decoration:none;cursor:inherit}.mw-parser-output .navbar-ct-full{font-size:114%;margin:0 7em}.mw-parser-output .navbar-ct-mini{font-size:114%;margin:0 4em}html.skin-theme-clientpref-night .mw-parser-output .navbar li a abbr{color:var(--color-base)!important}@media(prefers-color-scheme:dark){html.skin-theme-clientpref-os .mw-parser-output .navbar li a abbr{color:var(--color-base)!important}}@media print{.mw-parser-output .navbar{display:none!important}}</style><div class="navbar plainlinks hlist navbar-mini"><ul><li class="nv-view"><a href="/wiki/Template:E-commerce" title="Template:E-commerce"><abbr title="View this template">v</abbr></a></li><li class="nv-talk"><a href="/wiki/Template_talk:E-commerce" title="Template talk:E-commerce"><abbr title="Discuss this template">t</abbr></a></li><li class="nv-edit"><a href="/wiki/Special:EditPage/Template:E-commerce" title="Special:EditPage/Template:E-commerce"><abbr title="Edit this template">e</abbr></a></li></ul></div></td></tr></tbody></table> <link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1129693374"><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1246091330"><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1246091330"><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1246091330"><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1246091330"><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1246091330"><table class="sidebar sidebar-collapse nomobile nowraplinks"><tbody><tr><td class="sidebar-pretitle">Part of a series on <a href="/wiki/Financial_services" title="Financial services">financial services</a></td></tr><tr><th class="sidebar-title-with-pretitle" style="background:#efefef;padding:0.4em;"><a href="/wiki/Bank" title="Bank">Banking</a></th></tr><tr><td class="sidebar-image"><span class="skin-invert" typeof="mw:File"><a href="/wiki/File:Community_Noun_project_39956.svg" class="mw-file-description"><img src="//upload.wikimedia.org/wikipedia/commons/thumb/8/8d/Community_Noun_project_39956.svg/120px-Community_Noun_project_39956.svg.png" decoding="async" width="120" height="126" class="mw-file-element" srcset="//upload.wikimedia.org/wikipedia/commons/thumb/8/8d/Community_Noun_project_39956.svg/180px-Community_Noun_project_39956.svg.png 1.5x, //upload.wikimedia.org/wikipedia/commons/thumb/8/8d/Community_Noun_project_39956.svg/240px-Community_Noun_project_39956.svg.png 2x" data-file-width="56" data-file-height="59" /></a></span></td></tr><tr><td class="sidebar-content"> <div class="sidebar-list mw-collapsible mw-collapsed"><div class="sidebar-list-title" style="background:#efefef;;color: var(--color-base)">Types of banks</div><div class="sidebar-list-content mw-collapsible-content hlist"> <ul><li><a href="/wiki/Advising_bank" title="Advising bank">Advising</a></li> <li><a href="/wiki/Banq_(term)" class="mw-redirect" title="Banq (term)">Banq</a></li> <li><a href="/wiki/Bulge_bracket" title="Bulge bracket">Bulge bracket</a></li> <li><a href="/wiki/Central_bank" title="Central bank">Central</a></li> <li><a href="/wiki/Commercial_bank" title="Commercial bank">Commercial</a></li> <li><a href="/wiki/Community_development_bank" title="Community development bank">Community development</a></li> <li><a href="/wiki/Cooperative_banking" title="Cooperative banking">Cooperative</a></li> <li><a href="/wiki/Credit_union" title="Credit union">Credit union</a></li> <li><a href="/wiki/Custodian_bank" title="Custodian bank">Custodian</a></li> <li><a href="/wiki/Depository_bank" title="Depository bank">Depository</a></li> <li><a href="/wiki/Development_finance_institution" title="Development finance institution">Development</a></li> <li><a href="/wiki/Direct_bank" title="Direct bank">Direct</a></li> <li><a href="/wiki/Export_credit_agency" title="Export credit agency">Export credit agency</a></li> <li><a href="/wiki/Investment_banking" title="Investment banking">Investment</a></li> <li><a href="/wiki/Industrial_loan_company" title="Industrial loan company">Industrial</a></li> <li><a href="/wiki/Merchant_bank" title="Merchant bank">Merchant</a></li> <li><a href="/wiki/Bulge_Bracket#Middle_Market" class="mw-redirect" title="Bulge Bracket">Middle market</a></li> <li><a href="/wiki/Money_center_bank" title="Money center bank">Money center</a></li> <li><a href="/wiki/Mutual_savings_bank" title="Mutual savings bank">Mutual savings</a></li> <li><a href="/wiki/Neobank" title="Neobank">Neobank</a></li> <li><a href="/wiki/Offshore_bank" title="Offshore bank">Offshore</a></li> <li><a href="/wiki/Participation_banking" title="Participation banking">Participation</a></li> <li><a href="/wiki/Payments_bank" title="Payments bank">Payments</a></li> <li><a href="/wiki/Postal_savings_system" title="Postal savings system">Postal savings</a></li> <li><a href="/wiki/Private_bank" title="Private bank">Private</a></li> <li><a href="/wiki/Public_bank" title="Public bank">Public</a></li> <li><a href="/wiki/Retail_banking" title="Retail banking">Retail</a></li> <li><a href="/wiki/Savings_bank" title="Savings bank">Savings</a></li> <li><a href="/wiki/Savings_and_loan_association" title="Savings and loan association">Savings and loan</a></li> <li><a href="/wiki/Universal_bank" title="Universal bank">Universal</a></li> <li><a href="/wiki/Wholesale_banking" title="Wholesale banking">Wholesale</a></li> <li><a href="/wiki/Bank_holding_company" title="Bank holding company">Bank holding company</a></li></ul> <i><a href="/wiki/Lists_of_banks" title="Lists of banks">Lists of banks</a></i></div></div></td> </tr><tr><td class="sidebar-content"> <div class="sidebar-list mw-collapsible mw-collapsed"><div class="sidebar-list-title" style="background:#efefef;;color: var(--color-base)"><a href="/wiki/Bank_account" title="Bank account">Accounts</a> <b>·</b> <a href="/wiki/Bank_card" title="Bank card">Cards</a></div><div class="sidebar-list-content mw-collapsible-content hlist"><table class="sidebar nomobile nowraplinks" style="background-color: transparent; color: var( --color-base ); border-collapse:collapse; border-spacing:0px; border:none; width:100%; margin:0px; font-size:100%; clear:none; float:none"><tbody><tr><th class="sidebar-heading" style="background:#e9e9ff;font-weight:normal; display:block;margin-top:0.15em;"> Accounts</th></tr><tr><td class="sidebar-content" style="padding-top:0.15em;"> <ul><li><a href="/wiki/Christmas_club" title="Christmas club">Christmas club</a></li> <li><a href="/wiki/Deposit_account" title="Deposit account">Deposit</a></li> <li><a href="/wiki/Money_market_account" title="Money market account">Money-market</a></li> <li><a href="/wiki/Savings_account" title="Savings account">Savings</a></li> <li><a href="/wiki/Time_deposit" title="Time deposit">Time deposit (Bond)</a></li></ul> <a href="/wiki/Transaction_account" title="Transaction account">Transaction (checking / current)</a></td> </tr><tr><th class="sidebar-heading" style="background:#e9e9ff;font-weight:normal; display:block;margin-top:0.15em;"> Cards</th></tr><tr><td class="sidebar-content" style="padding-top:0.15em;"> <ul><li><a href="/wiki/ATM_card" title="ATM card">ATM</a></li> <li><a href="/wiki/Credit_card" title="Credit card">Credit</a></li> <li><a href="/wiki/Debit_card" title="Debit card">Debit</a></li> <li><a href="/wiki/Credit_card#Prepaid_cards" title="Credit card">Prepaid</a></li></ul></td> </tr></tbody></table></div></div></td> </tr><tr><td class="sidebar-content"> <div class="sidebar-list mw-collapsible"><div class="sidebar-list-title" style="background:#efefef;;color: var(--color-base)">Funds transfer</div><div class="sidebar-list-content mw-collapsible-content hlist"> <ul><li><a href="/wiki/Cheque" title="Cheque">Cheque</a></li> <li><a href="/wiki/Payment_card" title="Payment card">Card</a></li> <li><a href="/wiki/Electronic_funds_transfer" title="Electronic funds transfer">Electronic</a> <ul><li><a href="/wiki/Electronic_bill_payment" title="Electronic bill payment">Bill payment</a></li> <li><a class="mw-selflink selflink">Mobile</a></li></ul></li> <li><a href="/wiki/Wire_transfer" title="Wire transfer">Wire</a> <ul><li><a href="/wiki/Real-time_gross_settlement" title="Real-time gross settlement">RTGS</a></li> <li><a href="/wiki/Net_settlement" title="Net settlement">NS</a></li></ul></li> <li><a href="/wiki/Automated_clearing_house" title="Automated clearing house">ACH</a></li> <li><a href="/wiki/Instant_payment" title="Instant payment">Instant payment</a></li> <li><a href="/wiki/Giro_(banking)" title="Giro (banking)">Giro</a></li> <li><a href="/wiki/SWIFT" title="SWIFT">SWIFT</a> <ul><li><a href="/wiki/Correspondent_account" title="Correspondent account">Correspondent account</a></li></ul></li> <li><a href="/wiki/CLS_Group#Operations" title="CLS Group">CLS</a></li> <li><a href="/wiki/Cross-Border_Interbank_Payment_System" title="Cross-Border Interbank Payment System">CIPS</a></li> <li><a href="/wiki/SPFS" title="SPFS">SPFS</a></li> <li><a href="/wiki/BRICS_PAY" title="BRICS PAY">BRICS PAY</a></li></ul></div></div></td> </tr><tr><td class="sidebar-content"> <div class="sidebar-list mw-collapsible mw-collapsed"><div class="sidebar-list-title" style="background:#efefef;;color: var(--color-base)">Terms</div><div class="sidebar-list-content mw-collapsible-content hlist"><table class="sidebar nomobile nowraplinks" style="background-color: transparent; color: var( --color-base ); border-collapse:collapse; border-spacing:0px; border:none; width:100%; margin:0px; font-size:100%; clear:none; float:none"><tbody><tr><td class="sidebar-content" style="padding-top:0.15em;"> <ul><li><a href="/wiki/Asset" title="Asset">Asset</a> <ul><li><a href="/wiki/Asset_allocation" title="Asset allocation">allocation</a></li> <li><a href="/wiki/Asset_and_liability_management" title="Asset and liability management">management</a></li></ul></li> <li><a href="/wiki/Automated_teller_machine" class="mw-redirect" title="Automated teller machine">Automated teller machine</a></li> <li><a href="/wiki/Bad_debt" title="Bad debt">Bad debt</a></li> <li><a href="/wiki/Bank_regulation" class="mw-redirect" title="Bank regulation">Bank regulation</a></li> <li><a href="/wiki/Bank_secrecy" title="Bank secrecy">Bank secrecy</a></li> <li><a href="/wiki/Capital_appreciation" title="Capital appreciation">Asset growth</a></li> <li><a href="/wiki/Capital_asset" title="Capital asset">Capital asset</a></li> <li><a href="/wiki/Cash" title="Cash">Cash</a></li> <li><a href="/wiki/Climate_finance" title="Climate finance">Climate finance</a></li> <li><a href="/wiki/Corporate_finance" title="Corporate finance">Corporate finance</a></li> <li><a href="/wiki/Disinvestment" title="Disinvestment">Disinvestment</a></li> <li><a href="/wiki/Diversification_(finance)" title="Diversification (finance)">Diversification (finance)</a></li> <li><a href="/wiki/Eco-investing" title="Eco-investing">Eco-investing</a></li> <li><a href="/wiki/Economic_bubble" title="Economic bubble">Economic bubble</a></li> <li><a href="/wiki/Economic_expansion" title="Economic expansion">Economic expansion</a></li> <li><a href="/wiki/Enterprise_value" title="Enterprise value">Enterprise value</a></li> <li><a href="/wiki/Enterprise_risk_management" title="Enterprise risk management">Enterprise risk management</a></li> <li><a href="/wiki/Environmental_finance" title="Environmental finance">Environmental finance</a></li> <li><a href="/wiki/Environmental,_social,_and_governance" title="Environmental, social, and governance">ESG</a></li> <li><a href="/wiki/Ethical_banking" title="Ethical banking">Ethical banking</a></li> <li><a href="/wiki/Finance" title="Finance">Financial</a> <ul><li><a href="/wiki/Financial_analysis" title="Financial analysis">analysis</a></li> <li><a href="/wiki/Financial_analyst" title="Financial analyst">analyst</a></li> <li><a href="/wiki/Financial_asset" title="Financial asset">asset</a></li> <li><a href="/wiki/Financial_economics" title="Financial economics">economics</a></li> <li><a href="/wiki/Financial_engineering" title="Financial engineering">engineering</a></li> <li><a href="/wiki/Financial_forecast" title="Financial forecast">forecast</a></li> <li><a href="/wiki/Financial_plan" title="Financial plan">plan</a></li> <li><a href="/wiki/Financial_planner" title="Financial planner">planner</a></li> <li><a href="/wiki/Financial_services" title="Financial services">services</a></li></ul></li> <li><a href="/wiki/Fractional-reserve_banking" title="Fractional-reserve banking">Fractional-reserve banking</a></li> <li><a href="/wiki/Full-reserve_banking" title="Full-reserve banking">Full-reserve banking</a></li> <li><a href="/wiki/Fundamental_analysis" title="Fundamental analysis">Fundamental analysis</a></li> <li><a href="/wiki/Growth_investing" title="Growth investing">Growth investing</a></li> <li><a href="/wiki/Hedge_(finance)" title="Hedge (finance)">Hedge (finance)</a></li> <li><a href="/wiki/Impact_investing" title="Impact investing">Impact investing</a></li> <li><a href="/wiki/Investment_advisory" title="Investment advisory">Investment advisory</a></li> <li><a href="/wiki/Investment_management" title="Investment management">Investment management</a></li> <li><a href="/wiki/Islamic_banking_and_finance" title="Islamic banking and finance">Islamic banking</a></li> <li><a href="/wiki/Loan" title="Loan">Loan</a></li> <li><a href="/wiki/Mathematical_finance" title="Mathematical finance">Mathematical finance</a></li> <li><a href="/wiki/Mobile_banking" title="Mobile banking">Mobile banking</a></li> <li><a href="/wiki/Money_creation" title="Money creation">Money creation</a></li> <li><a href="/wiki/Pension_fund" title="Pension fund">Pension fund</a></li> <li><a href="/wiki/Private_banking" title="Private banking">Private banking</a></li> <li><a href="/wiki/Sustainability" title="Sustainability">Sustainability</a></li> <li><a href="/wiki/Sustainable_finance" title="Sustainable finance">Sustainable finance</a></li> <li><a href="/wiki/Speculation" title="Speculation">Speculation</a></li> <li><a href="/wiki/Statistical_finance" title="Statistical finance">Statistical finance</a></li> <li><a href="/wiki/Strategic_financial_management" title="Strategic financial management">Strategic financial management</a></li> <li><a href="/wiki/Stress_test_(financial)" title="Stress test (financial)">Stress test (financial)</a></li> <li><a href="/wiki/Structured_finance" title="Structured finance">Structured finance</a></li> <li><a href="/wiki/Structured_product" title="Structured product">Structured product</a></li> <li><a href="/wiki/Toxic_asset" title="Toxic asset">Toxic asset</a></li></ul></td> </tr></tbody></table></div></div></td> </tr><tr><td class="sidebar-content"> <div class="sidebar-list mw-collapsible mw-collapsed"><div class="sidebar-list-title" style="background:#efefef;;color: var(--color-base)">Related topics</div><div class="sidebar-list-content mw-collapsible-content hlist" style="padding-bottom:0;"> <ul><li><a href="/wiki/Asset_pricing" title="Asset pricing">Asset pricing</a></li> <li><a href="/wiki/Bond_(finance)" title="Bond (finance)">Bond (finance)</a></li> <li><a href="/wiki/Capital_structure" title="Capital structure">Capital structure</a></li> <li><a href="/wiki/Corporate_finance" title="Corporate finance">Corporate finance</a></li> <li><a href="/wiki/Cost_of_capital" title="Cost of capital">Cost of capital</a></li> <li><a href="/wiki/Equity_(finance)" title="Equity (finance)">Equity (finance)</a></li> <li><a href="/wiki/Ethical_banking" title="Ethical banking">Ethical banking</a></li> <li><a href="/wiki/Exchange_traded_fund" class="mw-redirect" title="Exchange traded fund">Exchange traded fund</a></li> <li><a href="/wiki/Finance" title="Finance">Financial</a></li> <li><a href="/wiki/Financial_law" title="Financial law">law</a> <ul><li><a href="/wiki/Financial_market" title="Financial market">market</a></li> <li><a href="/wiki/Financial_market_participants" title="Financial market participants">participants</a></li> <li><a href="/wiki/Financial_regulation" title="Financial regulation">regulation</a></li> <li><a href="/wiki/Financial_risk" title="Financial risk">risk</a></li> <li><a href="/wiki/Financial_system" title="Financial system">system</a></li></ul></li> <li><a href="/wiki/History_of_banking" title="History of banking">History of banking</a></li> <li><a href="/wiki/List_of_banks_(alphabetical)" title="List of banks (alphabetical)">List of banks</a></li> <li><a href="/wiki/Market_risk" title="Market risk">Market risk</a></li> <li><a href="/wiki/Personal_finance" title="Personal finance">Personal finance</a></li> <li><a href="/wiki/Public_finance" title="Public finance">Public finance</a></li> <li><a href="/wiki/Security_(finance)" title="Security (finance)">Security (finance)</a></li> <li><a href="/wiki/Share_(finance)" title="Share (finance)">Shares</a></li> <li><a href="/wiki/Sustainable_development_goals" class="mw-redirect" title="Sustainable development goals">Sustainable development goals</a></li> <li><a href="/wiki/Systematic_risk" title="Systematic risk">Systematic risk</a></li> <li><a href="/wiki/Systemic_risk" title="Systemic risk">Systemic risk</a></li> <li><a href="/wiki/Time_value_of_money" title="Time value of money">Time value of money</a></li> <li><a href="/wiki/Too_big_to_fail" title="Too big to fail">Too big to fail</a></li> <li><a href="/wiki/Too_connected_to_fail" title="Too connected to fail">Too connected to fail</a></li> <li><a href="/wiki/Watered_stock" title="Watered stock">Watered stock</a></li></ul> <ol><li class="mw-empty-elt"></li></ol></div></div></td> </tr><tr><td class="sidebar-below hlist"> <ul><li><span class="noviewer" typeof="mw:File"><span title="Category"><img alt="" src="//upload.wikimedia.org/wikipedia/en/thumb/9/96/Symbol_category_class.svg/16px-Symbol_category_class.svg.png" decoding="async" width="16" height="16" class="mw-file-element" srcset="//upload.wikimedia.org/wikipedia/en/thumb/9/96/Symbol_category_class.svg/23px-Symbol_category_class.svg.png 1.5x, //upload.wikimedia.org/wikipedia/en/thumb/9/96/Symbol_category_class.svg/31px-Symbol_category_class.svg.png 2x" data-file-width="180" data-file-height="185" /></span></span> <a href="/wiki/Category:Banking" title="Category:Banking">Category</a></li> <li><span class="noviewer" typeof="mw:File"><span title="Commons page"><img alt="" src="//upload.wikimedia.org/wikipedia/en/thumb/4/4a/Commons-logo.svg/12px-Commons-logo.svg.png" decoding="async" width="12" height="16" class="mw-file-element" srcset="//upload.wikimedia.org/wikipedia/en/thumb/4/4a/Commons-logo.svg/18px-Commons-logo.svg.png 1.5x, //upload.wikimedia.org/wikipedia/en/thumb/4/4a/Commons-logo.svg/24px-Commons-logo.svg.png 2x" data-file-width="1024" data-file-height="1376" /></span></span> <a href="https://commons.wikimedia.org/wiki/Category:Banking" class="extiw" title="commons:Category:Banking">Commons</a></li> <li><span class="noviewer" typeof="mw:File"><a href="/wiki/File:Symbol_portal_class.svg" class="mw-file-description" title="Portal"><img alt="" src="//upload.wikimedia.org/wikipedia/en/thumb/e/e2/Symbol_portal_class.svg/16px-Symbol_portal_class.svg.png" decoding="async" width="16" height="16" class="mw-file-element" srcset="//upload.wikimedia.org/wikipedia/en/thumb/e/e2/Symbol_portal_class.svg/23px-Symbol_portal_class.svg.png 1.5x, //upload.wikimedia.org/wikipedia/en/thumb/e/e2/Symbol_portal_class.svg/31px-Symbol_portal_class.svg.png 2x" data-file-width="180" data-file-height="185" /></a></span> <a href="/wiki/Portal:Banking" class="mw-redirect" title="Portal:Banking">Portal</a></li></ul></td></tr><tr><td class="sidebar-navbar"><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1129693374"><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1239400231"><div class="navbar plainlinks hlist navbar-mini"><ul><li class="nv-view"><a href="/wiki/Template:Banking" title="Template:Banking"><abbr title="View this template">v</abbr></a></li><li class="nv-talk"><a href="/wiki/Template_talk:Banking" title="Template talk:Banking"><abbr title="Discuss this template">t</abbr></a></li><li class="nv-edit"><a href="/wiki/Special:EditPage/Template:Banking" title="Special:EditPage/Template:Banking"><abbr title="Edit this template">e</abbr></a></li></ul></div></td></tr></tbody></table> <p><b>Mobile payment</b>, also referred to as <b>mobile money</b>, <b>mobile money transfer</b> and <b>mobile wallet</b>, is any of various <a href="/wiki/Payment" title="Payment">payment</a> processing services operated under <a href="/wiki/Financial_regulation" title="Financial regulation">financial regulations</a> and performed from or via a mobile device. Instead of paying with <a href="/wiki/Cash" title="Cash">cash</a>, <a href="/wiki/Cheque" title="Cheque">cheque</a>, or <a href="/wiki/Credit_card" title="Credit card">credit card</a>, a consumer can use a <b>payment app</b> on a mobile device to pay for a wide range of services and digital or hard goods. Although the concept of using non-coin-based currency systems has a long history,<sup id="cite_ref-1" class="reference"><a href="#cite_note-1"><span class="cite-bracket">[</span>1<span class="cite-bracket">]</span></a></sup> it is only in the 21st century that the technology to support such systems has become widely available. </p><p>Mobile payments began adoption in <a href="/wiki/Japan" title="Japan">Japan</a> in the 2000s and later all over the world in different ways.<sup id="cite_ref-2" class="reference"><a href="#cite_note-2"><span class="cite-bracket">[</span>2<span class="cite-bracket">]</span></a></sup><sup id="cite_ref-3" class="reference"><a href="#cite_note-3"><span class="cite-bracket">[</span>3<span class="cite-bracket">]</span></a></sup> The first <a href="/wiki/Patent" title="Patent">patent</a> exclusively defined "Mobile Payment System" was filed in 2000.<sup id="cite_ref-4" class="reference"><a href="#cite_note-4"><span class="cite-bracket">[</span>4<span class="cite-bracket">]</span></a></sup> </p><p>In a <a href="/wiki/Developing_country" title="Developing country">developing country</a>, mobile payment solutions can be deployed as a means of extending services of <a href="/wiki/Financial_institution" title="Financial institution">financial institutions</a> to the community known as the "<a href="/wiki/Unbanked" title="Unbanked">unbanked</a>" or "<a href="/wiki/Underbanked" title="Underbanked">underbanked</a>", which is estimated to be as much as 50 percent of the world's adult population, according to the Financial Access 2009 Report "Half the World is Unbanked".<sup id="cite_ref-5" class="reference"><a href="#cite_note-5"><span class="cite-bracket">[</span>5<span class="cite-bracket">]</span></a></sup> Such payment networks are often used for <a href="/wiki/Micropayment" title="Micropayment">micropayments</a>.<sup id="cite_ref-6" class="reference"><a href="#cite_note-6"><span class="cite-bracket">[</span>6<span class="cite-bracket">]</span></a></sup> The use of mobile payments in developing countries has attracted public and private funding by organizations such as the <a href="/wiki/Bill_%26_Melinda_Gates_Foundation" title="Bill & Melinda Gates Foundation">Bill & Melinda Gates Foundation</a>, the <a href="/wiki/United_States_Agency_for_International_Development" title="United States Agency for International Development">United States Agency for International Development</a>, and <a href="/wiki/Mercy_Corps" title="Mercy Corps">Mercy Corps</a>.<sup class="noprint Inline-Template Template-Fact" style="white-space:nowrap;">[<i><a href="/wiki/Wikipedia:Citation_needed" title="Wikipedia:Citation needed"><span title="This claim needs references to reliable sources. (March 2024)">citation needed</span></a></i>]</sup> </p><p>Mobile payments are becoming a key instrument for <a href="/wiki/Payment_service_provider" title="Payment service provider">payment service providers</a> (PSPs) and other market participants, in order to achieve new growth opportunities, according to the <a href="/wiki/European_Payments_Council" class="mw-redirect" title="European Payments Council">European Payments Council</a> (EPC).<sup id="cite_ref-7" class="reference"><a href="#cite_note-7"><span class="cite-bracket">[</span>7<span class="cite-bracket">]</span></a></sup> The EPC states that "new technology solutions provide a direct improvement to the operations efficiency, ultimately resulting in cost savings and in an increase in business volume". </p> <meta property="mw:PageProp/toc" /> <div class="mw-heading mw-heading2"><h2 id="Models">Models</h2><span class="mw-editsection"><span class="mw-editsection-bracket">[</span><a href="/w/index.php?title=Mobile_payment&action=edit&section=1" title="Edit section: Models"><span>edit</span></a><span class="mw-editsection-bracket">]</span></span></div> <p>There are four primary models for mobile payments:<sup id="cite_ref-8" class="reference"><a href="#cite_note-8"><span class="cite-bracket">[</span>8<span class="cite-bracket">]</span></a></sup> </p> <ul><li>Bank-centric model</li> <li>Operator-centric model</li> <li>Collaborative model</li> <li>Independent service provider (ISP) model</li></ul> <p>In models connected to a bank or operator, a <a href="/wiki/Bank" title="Bank">bank</a>/operator is the central node of the model, manages the transactions and distributes the property rights. In collaborative model, the financial intermediaries and telephonic operators collaborate in the managing tasks and share cooperatively the proprietary rights. In ISP model, a third party of confidence operates as an independent and “neutral” intermediary between financial agents and operators. <a href="/wiki/Apple_Pay" title="Apple Pay">Apple Pay</a> or <a href="/wiki/PayPal" title="PayPal">PayPal</a> are the providers the most frequently associated to this model.<sup class="noprint Inline-Template Template-Fact" style="white-space:nowrap;">[<i><a href="/wiki/Wikipedia:Citation_needed" title="Wikipedia:Citation needed"><span title="This claim needs references to reliable sources. (March 2024)">citation needed</span></a></i>]</sup> </p><p>There can also be combinations of two models. </p> <ul><li>Operator/bank co-operation, emerging in Haiti.<sup id="cite_ref-9" class="reference"><a href="#cite_note-9"><span class="cite-bracket">[</span>9<span class="cite-bracket">]</span></a></sup></li></ul> <p><a href="/wiki/Financial_institution" title="Financial institution">Financial institutions</a> and <a href="/wiki/Credit_card" title="Credit card">credit card</a> companies<sup id="cite_ref-10" class="reference"><a href="#cite_note-10"><span class="cite-bracket">[</span>10<span class="cite-bracket">]</span></a></sup> as well as Internet companies such as <a href="/wiki/Google" title="Google">Google</a><sup id="cite_ref-11" class="reference"><a href="#cite_note-11"><span class="cite-bracket">[</span>11<span class="cite-bracket">]</span></a></sup> and a number of <a href="/wiki/Mobile_communication" class="mw-redirect" title="Mobile communication">mobile communication</a> companies, such as <a href="/wiki/Mobile_network_operators" class="mw-redirect" title="Mobile network operators">mobile network operators</a> and major <a href="/wiki/Telecommunications_network" title="Telecommunications network">telecommunications infrastructure</a> such as w-HA from Orange and smartphone <a href="/wiki/Multinational_corporation" title="Multinational corporation">multinationals</a> such as <a href="/wiki/Ericsson" title="Ericsson">Ericsson</a><sup id="cite_ref-12" class="reference"><a href="#cite_note-12"><span class="cite-bracket">[</span>12<span class="cite-bracket">]</span></a></sup><sup id="cite_ref-13" class="reference"><a href="#cite_note-13"><span class="cite-bracket">[</span>13<span class="cite-bracket">]</span></a></sup> and <a href="/wiki/BlackBerry_Limited" title="BlackBerry Limited">BlackBerry</a> have implemented mobile payment solutions. </p> <div class="mw-heading mw-heading2"><h2 id="Mobile_wallets">Mobile wallets</h2><span class="mw-editsection"><span class="mw-editsection-bracket">[</span><a href="/w/index.php?title=Mobile_payment&action=edit&section=2" title="Edit section: Mobile wallets"><span>edit</span></a><span class="mw-editsection-bracket">]</span></span></div> <link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1236090951"><div role="note" class="hatnote navigation-not-searchable">Main article: <a href="/wiki/Online_wallet" title="Online wallet">Online wallet</a></div> <p>A mobile wallet is an <a href="/wiki/Mobile_app" title="Mobile app">app</a> that contains the user's debit and credit card information, letting the user pay for goods and services digitally with a mobile device.<sup id="cite_ref-14" class="reference"><a href="#cite_note-14"><span class="cite-bracket">[</span>14<span class="cite-bracket">]</span></a></sup> Notable mobile wallets include: </p> <style data-mw-deduplicate="TemplateStyles:r1184024115">.mw-parser-output .div-col{margin-top:0.3em;column-width:30em}.mw-parser-output .div-col-small{font-size:90%}.mw-parser-output .div-col-rules{column-rule:1px solid #aaa}.mw-parser-output .div-col dl,.mw-parser-output .div-col ol,.mw-parser-output .div-col ul{margin-top:0}.mw-parser-output .div-col li,.mw-parser-output .div-col dd{page-break-inside:avoid;break-inside:avoid-column}</style><div class="div-col" style="column-width: 15em;"> <ul><li><a href="/wiki/Alipay" title="Alipay">Alipay</a></li> <li><a href="/wiki/Amazon_Pay" title="Amazon Pay">Amazon Pay</a></li> <li><a href="/wiki/Apple_Wallet" title="Apple Wallet">Apple Wallet</a></li> <li><a href="/wiki/BHIM" title="BHIM">BHIM</a></li> <li><a href="/wiki/Cloud_QuickPass" class="mw-redirect" title="Cloud QuickPass">Cloud QuickPass</a></li> <li><a href="/wiki/GCash" title="GCash">GCash</a></li> <li><a href="/wiki/Google_Wallet" title="Google Wallet">Google Wallet</a></li> <li><a href="/wiki/Gyft_(app)" class="mw-redirect" title="Gyft (app)">Gyft</a></li> <li><a href="/wiki/LG_Pay" title="LG Pay">LG Pay</a></li> <li><a href="/wiki/Line_Pay" class="mw-redirect" title="Line Pay">Line Pay</a></li> <li><a href="/wiki/Mi-Pay" title="Mi-Pay">Mi Pay</a></li> <li><a href="/wiki/Mir_Pay" class="mw-redirect" title="Mir Pay">Mir Pay</a></li> <li><a href="/wiki/Paytm" title="Paytm">Paytm</a></li> <li><a href="/wiki/PhonePe" title="PhonePe">PhonePe</a></li> <li><a href="/wiki/Samsung_Wallet" title="Samsung Wallet">Samsung Wallet</a></li> <li><a href="/wiki/Touch_%27n_Go_eWallet" title="Touch 'n Go eWallet">Touch 'n Go eWallet</a></li> <li><a href="/wiki/Venmo" title="Venmo">Venmo</a></li> <li><a href="/wiki/WeChat_Pay" title="WeChat Pay">WeChat Pay</a></li></ul> </div> <div class="mw-heading mw-heading2"><h2 id="Credit_card">Credit card</h2><span class="mw-editsection"><span class="mw-editsection-bracket">[</span><a href="/w/index.php?title=Mobile_payment&action=edit&section=3" title="Edit section: Credit card"><span>edit</span></a><span class="mw-editsection-bracket">]</span></span></div> <p>A simple mobile web payment system can also include a <a href="/wiki/Credit_card" title="Credit card">credit card</a> payment flow allowing a consumer to enter their card details to make purchases. This process is familiar but any entry of details on a mobile phone is known to reduce the success rate (conversion) of payments. </p><p>In addition, if the payment vendor can automatically and securely identify customers then card details can be recalled for future purchases turning credit card payments into simple single click-to-buy giving higher conversion rates for additional purchases. </p><p>However, there are concerns regarding information and payment privacy when cards are used during online transactions. If a website is not secure, for example, then personal credit card info can leak online. </p> <div class="mw-heading mw-heading2"><h2 id="Carrier_billing">Carrier billing</h2><span class="mw-editsection"><span class="mw-editsection-bracket">[</span><a href="/w/index.php?title=Mobile_payment&action=edit&section=4" title="Edit section: Carrier billing"><span>edit</span></a><span class="mw-editsection-bracket">]</span></span></div> <p>The consumer uses the mobile billing option during checkout at an e-commerce site—such as an online gaming site—to make a payment. After <a href="/wiki/Two-factor_authentication" class="mw-redirect" title="Two-factor authentication">two-factor authentication</a> involving the consumer's mobile number and a PIN or <a href="/wiki/One-time_password" title="One-time password">one-time password</a> (often abbreviated as <i>OTP</i>), the consumer's mobile account is charged for the purchase. It is a true alternative payment method that does not require the use of credit/debit cards or pre-registration at an <a href="/wiki/Online_payment" class="mw-redirect" title="Online payment">online payment</a> solution such as <a href="/wiki/PayPal" title="PayPal">PayPal</a>, thus bypassing banks and credit card companies altogether. This type of mobile payment method, which is prevalent in Asia,<sup class="noprint Inline-Template Template-Fact" style="white-space:nowrap;">[<i><a href="/wiki/Wikipedia:Citation_needed" title="Wikipedia:Citation needed"><span title="This claim needs references to reliable sources. (July 2019)">citation needed</span></a></i>]</sup> provides the following benefits: </p> <ul><li><i>Security</i> – two-factor authentication and a risk management engine prevents fraud.</li> <li><i>Convenience</i> – no pre-registration and no new mobile software is required.</li> <li><i>Easy</i> – It is just another option during the checkout process.</li> <li><i>Fast</i> – most transactions are completed in less than 10 seconds.</li> <li><i>Proven</i> – 70% of all digital content purchased online in some parts of Asia uses the direct mobile billing method<sup id="cite_ref-15" class="reference"><a href="#cite_note-15"><span class="cite-bracket">[</span>15<span class="cite-bracket">]</span></a></sup></li></ul> <div class="mw-heading mw-heading3"><h3 id="Remote_payment_by_SMS_and_credit_card_tokenization">Remote payment by SMS and credit card tokenization</h3><span class="mw-editsection"><span class="mw-editsection-bracket">[</span><a href="/w/index.php?title=Mobile_payment&action=edit&section=5" title="Edit section: Remote payment by SMS and credit card tokenization"><span>edit</span></a><span class="mw-editsection-bracket">]</span></span></div> <p>Even as the volume of Premium SMS transactions have flattened, many cloud-based payment systems continue to use SMS for presentment, authorization, and authentication,<sup id="cite_ref-16" class="reference"><a href="#cite_note-16"><span class="cite-bracket">[</span>16<span class="cite-bracket">]</span></a></sup> while the payment itself is processed through existing payment networks such as credit and debit card networks. These solutions combine the ubiquity of the SMS channel,<sup id="cite_ref-17" class="reference"><a href="#cite_note-17"><span class="cite-bracket">[</span>17<span class="cite-bracket">]</span></a></sup> with the security and reliability of existing payment infrastructure. Since SMS lacks <a href="/wiki/End-to-end_encryption" title="End-to-end encryption">end-to-end encryption</a>, such solutions employ a higher-level security strategies known as 'tokenization' and 'target removal' <sup id="cite_ref-18" class="reference"><a href="#cite_note-18"><span class="cite-bracket">[</span>18<span class="cite-bracket">]</span></a></sup> whereby payment occurs without transmitting any sensitive account details, username, password, or PIN. </p><p>Point-of-sales mobile payment solutions have not relied on SMS-based authentication as a payment mechanism, but remote payments such as bill payments,<sup id="cite_ref-19" class="reference"><a href="#cite_note-19"><span class="cite-bracket">[</span>19<span class="cite-bracket">]</span></a></sup> seat upgrades on flights,<sup id="cite_ref-20" class="reference"><a href="#cite_note-20"><span class="cite-bracket">[</span>20<span class="cite-bracket">]</span></a></sup> and membership or subscription renewals are commonplace. </p><p>In comparison to premium short code programs which often exist in isolation, <a href="/wiki/Relationship_marketing" title="Relationship marketing">relationship marketing</a> and payment systems are often integrated with <a href="/wiki/Customer_relationship_management" title="Customer relationship management">CRM</a>, <a href="/wiki/Enterprise_resource_planning" title="Enterprise resource planning">ERP</a>, <a href="/wiki/Marketing_automation" title="Marketing automation">marketing-automation platforms</a>, and <a href="/wiki/Reservation_systems" class="mw-redirect" title="Reservation systems">reservation systems</a>. Many of the problems inherent with premium SMS have been addressed by solution providers. Remembering keywords is not required since <a href="/wiki/Session_management" class="mw-redirect" title="Session management">sessions</a> are initiated by the enterprise to establish a transaction specific context. Reply messages are linked to the proper session and authenticated either synchronously through a very short expiry period (every reply is assumed to be to the last message sent) or by tracking session according to varying reply addresses and/or reply options.<sup id="cite_ref-21" class="reference"><a href="#cite_note-21"><span class="cite-bracket">[</span>21<span class="cite-bracket">]</span></a></sup> </p> <div class="mw-heading mw-heading3"><h3 id="Direct_operator_billing">Direct operator billing</h3><span class="mw-editsection"><span class="mw-editsection-bracket">[</span><a href="/w/index.php?title=Mobile_payment&action=edit&section=6" title="Edit section: Direct operator billing"><span>edit</span></a><span class="mw-editsection-bracket">]</span></span></div> <p>Direct operator billing, also known as mobile content billing, <a href="/wiki/WAP_billing" title="WAP billing">WAP billing</a>, and carrier billing, requires integration with the mobile network operator. It provides certain benefits: </p> <ul><li>Mobile network operators already have a billing relationship with consumers, the payment will be added to their bill.</li> <li>Provides instantaneous payment</li> <li>Protects payment details and consumer identity</li> <li>Better conversion rates</li> <li>Reduced customer support costs<i> for merchants</i></li> <li>Alternative monetization option in countries where credit card usage is low</li></ul> <p>One of the drawbacks is that the payout rate will often be much lower than with other mobile payments options. Examples from a popular provider: </p> <ul><li>92 percent with PayPal</li> <li>85 to 86 percent with credit card</li> <li>45 to 91.7 percent with operator billing in the US, UK and some smaller European countries, but usually around 60%<sup id="cite_ref-22" class="reference"><a href="#cite_note-22"><span class="cite-bracket">[</span>22<span class="cite-bracket">]</span></a></sup></li></ul> <p>More recently, direct operator billing is being deployed in an in-app environment, where mobile application developers are taking advantage of the one-click payment option that direct operator billing provides for monetising mobile applications. This is a logical alternative to credit card and Premium SMS billing. </p><p>In 2012 Ericsson and <a href="/wiki/Western_Union" title="Western Union">Western Union</a> partnered to expand the direct operator billing market, making it possible for mobile operators to include Western Union mobile money transfers as part of their mobile financial service offerings.<sup id="cite_ref-23" class="reference"><a href="#cite_note-23"><span class="cite-bracket">[</span>23<span class="cite-bracket">]</span></a></sup> Given the international reach of both companies, the partnership is meant to accelerate the interconnection between the m-commerce market and the existing financial world.<sup id="cite_ref-24" class="reference"><a href="#cite_note-24"><span class="cite-bracket">[</span>24<span class="cite-bracket">]</span></a></sup> </p> <div class="mw-heading mw-heading2"><h2 id="Contactless_near-field_communication">Contactless near-field communication</h2><span class="mw-editsection"><span class="mw-editsection-bracket">[</span><a href="/w/index.php?title=Mobile_payment&action=edit&section=7" title="Edit section: Contactless near-field communication"><span>edit</span></a><span class="mw-editsection-bracket">]</span></span></div> <style data-mw-deduplicate="TemplateStyles:r1251242444">.mw-parser-output .ambox{border:1px solid #a2a9b1;border-left:10px solid #36c;background-color:#fbfbfb;box-sizing:border-box}.mw-parser-output .ambox+link+.ambox,.mw-parser-output .ambox+link+style+.ambox,.mw-parser-output .ambox+link+link+.ambox,.mw-parser-output .ambox+.mw-empty-elt+link+.ambox,.mw-parser-output .ambox+.mw-empty-elt+link+style+.ambox,.mw-parser-output .ambox+.mw-empty-elt+link+link+.ambox{margin-top:-1px}html body.mediawiki .mw-parser-output .ambox.mbox-small-left{margin:4px 1em 4px 0;overflow:hidden;width:238px;border-collapse:collapse;font-size:88%;line-height:1.25em}.mw-parser-output .ambox-speedy{border-left:10px solid #b32424;background-color:#fee7e6}.mw-parser-output .ambox-delete{border-left:10px solid #b32424}.mw-parser-output .ambox-content{border-left:10px solid #f28500}.mw-parser-output .ambox-style{border-left:10px solid #fc3}.mw-parser-output .ambox-move{border-left:10px solid #9932cc}.mw-parser-output .ambox-protection{border-left:10px solid #a2a9b1}.mw-parser-output .ambox .mbox-text{border:none;padding:0.25em 0.5em;width:100%}.mw-parser-output .ambox .mbox-image{border:none;padding:2px 0 2px 0.5em;text-align:center}.mw-parser-output .ambox .mbox-imageright{border:none;padding:2px 0.5em 2px 0;text-align:center}.mw-parser-output .ambox .mbox-empty-cell{border:none;padding:0;width:1px}.mw-parser-output .ambox .mbox-image-div{width:52px}@media(min-width:720px){.mw-parser-output .ambox{margin:0 10%}}@media print{body.ns-0 .mw-parser-output .ambox{display:none!important}}</style><table class="box-Update plainlinks metadata ambox ambox-content ambox-Update" role="presentation"><tbody><tr><td class="mbox-image"><div class="mbox-image-div"><span typeof="mw:File"><span><img alt="" src="//upload.wikimedia.org/wikipedia/commons/thumb/5/53/Ambox_current_red_Americas.svg/42px-Ambox_current_red_Americas.svg.png" decoding="async" width="42" height="34" class="mw-file-element" srcset="//upload.wikimedia.org/wikipedia/commons/thumb/5/53/Ambox_current_red_Americas.svg/63px-Ambox_current_red_Americas.svg.png 1.5x, //upload.wikimedia.org/wikipedia/commons/thumb/5/53/Ambox_current_red_Americas.svg/84px-Ambox_current_red_Americas.svg.png 2x" data-file-width="360" data-file-height="290" /></span></span></div></td><td class="mbox-text"><div class="mbox-text-span">This section needs to be <b>updated</b>. The reason given is: missing contemporary adoption status.<span class="hide-when-compact"> Please help update this article to reflect recent events or newly available information.</span> <span class="date-container"><i>(<span class="date">May 2024</span>)</i></span></div></td></tr></tbody></table> <p><a href="/wiki/Near-field_communication" title="Near-field communication">Near-field communication</a> (NFC) is used mostly in paying for purchases made in physical stores or transportation services. A consumer using a special mobile phone equipped with a smartcard waves their phone near a reader module. Most transactions do not require authentication, but some require authentication using PIN, before transaction is completed. The payment could be deducted from a pre-paid account or charged to a mobile or bank account directly. </p><p>Mobile payment method via NFC faces significant challenges for wide and fast adoption, due to lack of supporting infrastructure, complex ecosystem of stakeholders, and standards.<sup id="cite_ref-25" class="reference"><a href="#cite_note-25"><span class="cite-bracket">[</span>25<span class="cite-bracket">]</span></a></sup> Some phone manufacturers and banks, however, are enthusiastic. Ericsson and Aconite are examples of businesses that make it possible for banks to create consumer mobile payment applications that take advantage of NFC technology.<sup id="cite_ref-26" class="reference"><a href="#cite_note-26"><span class="cite-bracket">[</span>26<span class="cite-bracket">]</span></a></sup> </p><p>NFC vendors in Japan are closely related to mass-transit networks, like the <a href="/wiki/Suica" title="Suica">Mobile Suica</a> used since 28 January 2006 on the <a href="/wiki/East_Japan_Railway_Company" title="East Japan Railway Company">JR East</a> rail network. The mobile wallet <a href="/wiki/Osaifu-Keitai" title="Osaifu-Keitai">Osaifu-Keitai</a> system, used since 2004 for Mobile Suica and many others including <a href="/wiki/Edy" title="Edy">Edy</a> and <a href="/wiki/Nanaco" title="Nanaco">nanaco</a>, has become the <i>de facto</i> standard method for mobile payments in <a href="/wiki/Japan" title="Japan">Japan</a>. Its core technology, Mobile FeliCa IC, is partially owned by <a href="/wiki/Sony" title="Sony">Sony</a>, <a href="/wiki/NTT_DoCoMo" class="mw-redirect" title="NTT DoCoMo">NTT DoCoMo</a> and JR East. Mobile FeliCa utilize Sony's <a href="/wiki/FeliCa" title="FeliCa">FeliCa</a> technology, which itself is the de facto standard for <a href="/wiki/Contactless_smart_card" title="Contactless smart card">contactless smart cards</a> in the country. NFC was used in transports for the first time in the world by <a href="/wiki/China_Unicom" title="China Unicom">China Unicom</a> and Yucheng Transportation Card in the tramways and bus of <a href="/wiki/Chongqing" title="Chongqing">Chongqing</a> on 19 January 2009,<sup id="cite_ref-27" class="reference"><a href="#cite_note-27"><span class="cite-bracket">[</span>27<span class="cite-bracket">]</span></a></sup> in those of <a href="/wiki/Nice" title="Nice">Nice</a> on 21 May 2010,<sup id="cite_ref-Nice2010_28-0" class="reference"><a href="#cite_note-Nice2010-28"><span class="cite-bracket">[</span>28<span class="cite-bracket">]</span></a></sup> then in <a href="/wiki/Seoul" title="Seoul">Seoul</a><sup id="cite_ref-29" class="reference"><a href="#cite_note-29"><span class="cite-bracket">[</span>29<span class="cite-bracket">]</span></a></sup> after its introduction in Korea by the discount retailer <a href="/wiki/Homeplus" title="Homeplus">Homeplus</a> in March 2010<sup id="cite_ref-30" class="reference"><a href="#cite_note-30"><span class="cite-bracket">[</span>30<span class="cite-bracket">]</span></a></sup> and it was tested then adopted or added to the existing systems in <a href="/wiki/Tokyo" title="Tokyo">Tokyo</a> from May 2010 to end of 2012.<sup id="cite_ref-31" class="reference"><a href="#cite_note-31"><span class="cite-bracket">[</span>31<span class="cite-bracket">]</span></a></sup><sup id="cite_ref-32" class="reference"><a href="#cite_note-32"><span class="cite-bracket">[</span>32<span class="cite-bracket">]</span></a></sup> After an experimentation in the metro of <a href="/wiki/Rennes" title="Rennes">Rennes</a> in 2007, the NFC standard was implemented for the first time in a metro network, by China Unicom in <a href="/wiki/Beijing" title="Beijing">Beijing</a> on 31 December 2010.<sup id="cite_ref-33" class="reference"><a href="#cite_note-33"><span class="cite-bracket">[</span>33<span class="cite-bracket">]</span></a></sup> </p><p>Other NFC vendors mostly in Europe use <a href="/wiki/Contactless_payment" title="Contactless payment">contactless payment</a> over mobile phones to pay for on- and off-street parking in specially demarcated areas. Parking wardens may enforce the parking by license plate, transponder tags, or <a href="/wiki/Barcode" title="Barcode">barcode</a> stickers. </p><p>In Europe, the first experimentations of mobile payment took place in Germany during 6 months, from May 2005, with a deferred payment at the end of each month on the tramways and bus of <a href="/wiki/Hanau" title="Hanau">Hanau</a> with the <a href="/wiki/Nokia" title="Nokia">Nokia</a> 3220 using the NFC standard of <a href="/wiki/Philips" title="Philips">Philips</a> and <a href="/wiki/Sony" title="Sony">Sony</a>.<sup id="cite_ref-34" class="reference"><a href="#cite_note-34"><span class="cite-bracket">[</span>34<span class="cite-bracket">]</span></a></sup> </p><p>In France the immediate contactless payment was experimented during 6 months, from October 2005, in some Cofinoga shops (<a href="/wiki/Galeries_Lafayette" title="Galeries Lafayette">Galeries Lafayette</a>, <a href="/wiki/Monoprix" title="Monoprix">Monoprix</a>) and <a href="/wiki/Vinci_SA" title="Vinci SA">Vinci</a> parkings of <a href="/wiki/Caen" title="Caen">Caen</a> with a <a href="/wiki/Samsung" title="Samsung">Samsung</a> NFC <a href="/wiki/Smartphone" title="Smartphone">smartphone</a> provided by <a href="/wiki/Orange_S.A." title="Orange S.A.">Orange</a> in collaboration with <a href="/wiki/Philips_Semiconductors" class="mw-redirect" title="Philips Semiconductors">Philips Semiconductors</a> (for the first time, thanks to "Fly Tag", the system allowed to receive as well audiovisual informations, like bus timetables or cinema trailers from the concerned services).<sup id="cite_ref-Caen_35-0" class="reference"><a href="#cite_note-Caen-35"><span class="cite-bracket">[</span>35<span class="cite-bracket">]</span></a></sup><sup id="cite_ref-Nice_36-0" class="reference"><a href="#cite_note-Nice-36"><span class="cite-bracket">[</span>36<span class="cite-bracket">]</span></a></sup> From 19 November 2007 to 2009, this experimentation was extended in Caen to more services and three additional <a href="/wiki/Mobile_phone_operator" title="Mobile phone operator">mobile phone operators</a> (<a href="/wiki/Bouygues_Telecom" title="Bouygues Telecom">Bouygues Telecom</a>, <a href="/wiki/SFR" title="SFR">SFR</a> and <a href="/wiki/NRJ_Mobile" class="mw-redirect" title="NRJ Mobile">NRJ Mobile</a>) and in <a href="/wiki/Strasbourg" title="Strasbourg">Strasbourg</a><sup id="cite_ref-Nice_36-1" class="reference"><a href="#cite_note-Nice-36"><span class="cite-bracket">[</span>36<span class="cite-bracket">]</span></a></sup> and on 5 November 2007, Orange and the transport societies <a href="/wiki/SNCF" title="SNCF">SNCF</a> and <a href="/wiki/Keolis" title="Keolis">Keolis</a> associated themselves for a 2 months experimentation on smartphones in the metro, bus and TER trains in <a href="/wiki/Rennes" title="Rennes">Rennes</a>.<sup id="cite_ref-37" class="reference"><a href="#cite_note-37"><span class="cite-bracket">[</span>37<span class="cite-bracket">]</span></a></sup><sup id="cite_ref-Nice_36-2" class="reference"><a href="#cite_note-Nice-36"><span class="cite-bracket">[</span>36<span class="cite-bracket">]</span></a></sup> After a test conducted from October 2005 to November 2006 with 27 users,<sup id="cite_ref-tests_38-0" class="reference"><a href="#cite_note-tests-38"><span class="cite-bracket">[</span>38<span class="cite-bracket">]</span></a></sup> on 21 May 2010, the transport authority of <a href="/wiki/Nice" title="Nice">Nice</a> <i>Régie Lignes d'Azur</i> was the first public transport provider in Europe to add definitely to its own offer a contactless payment on its tramways and bus network either with a <a href="/wiki/Near-field_communication" title="Near-field communication">NFC</a> <a href="/wiki/Bank_card" title="Bank card">bank card</a> or <a href="/wiki/Smartphone" title="Smartphone">smartphone</a> application notably on <a href="/wiki/Samsung" title="Samsung">Samsung</a> Player One (with the same mobile phone operators than in Caen and Strasbourg), as well as the validation aboard with them of the transport titles and the loading of these titles onto the smartphone, in addition to the season tickets contactless card.<sup id="cite_ref-39" class="reference"><a href="#cite_note-39"><span class="cite-bracket">[</span>39<span class="cite-bracket">]</span></a></sup><sup id="cite_ref-Nice2010_28-1" class="reference"><a href="#cite_note-Nice2010-28"><span class="cite-bracket">[</span>28<span class="cite-bracket">]</span></a></sup> This service was as well experimented then respectively implemented for NFC smartphones on 18 and 25 June 2013 in the tramways and bus of <a href="/wiki/Caen" title="Caen">Caen</a><sup id="cite_ref-40" class="reference"><a href="#cite_note-40"><span class="cite-bracket">[</span>40<span class="cite-bracket">]</span></a></sup><sup id="cite_ref-41" class="reference"><a href="#cite_note-41"><span class="cite-bracket">[</span>41<span class="cite-bracket">]</span></a></sup> and Strasbourg.<sup id="cite_ref-42" class="reference"><a href="#cite_note-42"><span class="cite-bracket">[</span>42<span class="cite-bracket">]</span></a></sup><sup id="cite_ref-43" class="reference"><a href="#cite_note-43"><span class="cite-bracket">[</span>43<span class="cite-bracket">]</span></a></sup> In <a href="/wiki/Paris" title="Paris">Paris</a> transport network, after a 4 months testing from November 2006 with Bouygues Telecom and 43 persons<sup id="cite_ref-tests_38-1" class="reference"><a href="#cite_note-tests-38"><span class="cite-bracket">[</span>38<span class="cite-bracket">]</span></a></sup> and finally with 8,000 users from July 2018, the contactless mobile payment and direct validation on the turnstile readers with a smartphone was adopted on 25 September 2019<sup id="cite_ref-44" class="reference"><a href="#cite_note-44"><span class="cite-bracket">[</span>44<span class="cite-bracket">]</span></a></sup><sup id="cite_ref-45" class="reference"><a href="#cite_note-45"><span class="cite-bracket">[</span>45<span class="cite-bracket">]</span></a></sup><sup id="cite_ref-46" class="reference"><a href="#cite_note-46"><span class="cite-bracket">[</span>46<span class="cite-bracket">]</span></a></sup> in collaboration with the societies Orange, Samsung, Wizway Solutions, Worldline and Conduent. </p><p>Other vendors use a combination of both NFC and a barcode on the mobile device for mobile payment, because many mobile devices in the market do not yet support NFC.<sup id="cite_ref-47" class="reference"><a href="#cite_note-47"><span class="cite-bracket">[</span>47<span class="cite-bracket">]</span></a></sup> </p> <div class="mw-heading mw-heading2"><h2 id="Other_mobile_payment_methods">Other mobile payment methods</h2><span class="mw-editsection"><span class="mw-editsection-bracket">[</span><a href="/w/index.php?title=Mobile_payment&action=edit&section=8" title="Edit section: Other mobile payment methods"><span>edit</span></a><span class="mw-editsection-bracket">]</span></span></div> <div class="mw-heading mw-heading3"><h3 id="QR_code_payments">QR code payments</h3><span class="mw-editsection"><span class="mw-editsection-bracket">[</span><a href="/w/index.php?title=Mobile_payment&action=edit&section=9" title="Edit section: QR code payments"><span>edit</span></a><span class="mw-editsection-bracket">]</span></span></div> <link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1236090951"><div role="note" class="hatnote navigation-not-searchable">Main article: <a href="/wiki/QR_code_payment" title="QR code payment">QR code payment</a></div> <p><a href="/wiki/QR_code" title="QR code">QR code</a> is a square two-dimensional bar code. QR codes have been in use since 1994.<sup id="cite_ref-48" class="reference"><a href="#cite_note-48"><span class="cite-bracket">[</span>48<span class="cite-bracket">]</span></a></sup> Originally used to track products in warehouses, QR codes were designed to replace the older one-dimensional bar codes. The older bar codes just represent numbers, which can be looked up in a database and translated into something meaningful. QR, or "quick response", bar codes were designed to contain the meaningful information directly in the bar code. </p><p>QR codes can be of two main categories:<sup id="cite_ref-49" class="reference"><a href="#cite_note-49"><span class="cite-bracket">[</span>49<span class="cite-bracket">]</span></a></sup><sup class="noprint Inline-Template Template-Fact" style="white-space:nowrap;">[<i><a href="/wiki/Wikipedia:Citation_needed" title="Wikipedia:Citation needed"><span title="This claim needs references to reliable sources. (July 2015)">citation needed</span></a></i>]</sup> </p> <ul><li>The QR code is presented on the mobile device of the person paying and scanned by a POS or another mobile device of the payee</li> <li>The QR code is presented by the payee, in a static or one time generated fashion and it is scanned by the person executing the payment</li></ul> <p>Mobile self-checkout allows for one to scan a QR code or barcode of a product inside a brick-and-mortar establishment in order to purchase the product on the spot. This theoretically eliminates or reduces the incidence of long checkout lines, even at self-checkout kiosks. </p> <div class="mw-heading mw-heading3"><h3 id="Cloud-based_mobile_payments">Cloud-based mobile payments</h3><span class="mw-editsection"><span class="mw-editsection-bracket">[</span><a href="/w/index.php?title=Mobile_payment&action=edit&section=10" title="Edit section: Cloud-based mobile payments"><span>edit</span></a><span class="mw-editsection-bracket">]</span></span></div> <p>Google, PayPal, GlobalPay and <a href="/wiki/GoPago" title="GoPago">GoPago</a> use a <a href="/wiki/Cloud_computing" title="Cloud computing">cloud-based</a> approach to in-store mobile payment. The cloud based approach places the mobile payment provider in the middle of the transaction, which involves two separate steps. First, a cloud-linked payment method is selected and payment is authorized via NFC or an alternative method. During this step, the payment provider automatically covers the cost of the purchase with issuer linked funds. Second, in a separate transaction, the payment provider charges the purchaser's selected, cloud-linked account in a card-not-present environment to recoup its losses on the first transaction.<sup id="cite_ref-50" class="reference"><a href="#cite_note-50"><span class="cite-bracket">[</span>50<span class="cite-bracket">]</span></a></sup><sup id="cite_ref-51" class="reference"><a href="#cite_note-51"><span class="cite-bracket">[</span>51<span class="cite-bracket">]</span></a></sup><sup id="cite_ref-52" class="reference"><a href="#cite_note-52"><span class="cite-bracket">[</span>52<span class="cite-bracket">]</span></a></sup> </p> <div class="mw-heading mw-heading3"><h3 id="Audio_signal-based_payments">Audio signal-based payments</h3><span class="mw-editsection"><span class="mw-editsection-bracket">[</span><a href="/w/index.php?title=Mobile_payment&action=edit&section=11" title="Edit section: Audio signal-based payments"><span>edit</span></a><span class="mw-editsection-bracket">]</span></span></div> <p>The audio channel of the mobile phone is another wireless interface that is used to make payments. Several companies have created technology to use the acoustic features of cell phones to support mobile payments and other applications that are not chip-based. The technologies like <a href="/wiki/Near_sound_data_transfer" title="Near sound data transfer">near sound data transfer</a> (NSDT), data over voice and <a href="/wiki/Near-field_communication" title="Near-field communication">NFC 2.0</a> produce audio signatures that the microphone of the cell phone can pick up to enable electronic transactions.<sup id="cite_ref-53" class="reference"><a href="#cite_note-53"><span class="cite-bracket">[</span>53<span class="cite-bracket">]</span></a></sup> </p> <div class="mw-heading mw-heading3"><h3 id="Direct_carrier_and_bank_co-operation">Direct carrier and bank co-operation</h3><span class="mw-editsection"><span class="mw-editsection-bracket">[</span><a href="/w/index.php?title=Mobile_payment&action=edit&section=12" title="Edit section: Direct carrier and bank co-operation"><span>edit</span></a><span class="mw-editsection-bracket">]</span></span></div> <p>In the T-Cash<sup id="cite_ref-54" class="reference"><a href="#cite_note-54"><span class="cite-bracket">[</span>54<span class="cite-bracket">]</span></a></sup> model, the mobile phone and the phone carrier is the front-end interface to the consumers. The consumer can purchase goods, transfer money to a peer, cash out, and cash in.<sup id="cite_ref-55" class="reference"><a href="#cite_note-55"><span class="cite-bracket">[</span>55<span class="cite-bracket">]</span></a></sup> A 'mini wallet' account can be opened as simply as entering *700# on the mobile phone,<sup id="cite_ref-56" class="reference"><a href="#cite_note-56"><span class="cite-bracket">[</span>56<span class="cite-bracket">]</span></a></sup> presumably by depositing money at a participating local merchant and the mobile phone number. Presumably, other transactions are similarly accomplished by entering special codes and the phone number of the other party on the consumer's mobile phone. </p><p>In Switzerland, <a href="/wiki/TWINT" title="TWINT">TWINT</a> offers the same function.<sup id="cite_ref-57" class="reference"><a href="#cite_note-57"><span class="cite-bracket">[</span>57<span class="cite-bracket">]</span></a></sup> </p> <div class="mw-heading mw-heading3"><h3 id="Magnetic_secure_transmission">Magnetic secure transmission</h3><span class="mw-editsection"><span class="mw-editsection-bracket">[</span><a href="/w/index.php?title=Mobile_payment&action=edit&section=13" title="Edit section: Magnetic secure transmission"><span>edit</span></a><span class="mw-editsection-bracket">]</span></span></div> <link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1236090951"><div role="note" class="hatnote navigation-not-searchable">Main article: <a href="/wiki/Magnetic_secure_transmission" title="Magnetic secure transmission">Magnetic secure transmission</a></div> <p>In <a href="/wiki/Magnetic_secure_transmission" title="Magnetic secure transmission">magnetic secure transmission</a> (MST), a smartphone emits a magnetic signal that resembles the one created by swiping a magnetic credit card through a traditional <a href="/wiki/Credit_card_terminal" class="mw-redirect" title="Credit card terminal">credit card terminal</a>. No changes to the terminal or a new terminal are required. </p> <div class="mw-heading mw-heading3"><h3 id="Bank_transfer_systems">Bank transfer systems</h3><span class="mw-editsection"><span class="mw-editsection-bracket">[</span><a href="/w/index.php?title=Mobile_payment&action=edit&section=14" title="Edit section: Bank transfer systems"><span>edit</span></a><span class="mw-editsection-bracket">]</span></span></div> <p><a href="/wiki/Swish_(payment)" title="Swish (payment)">Swish</a> is the name of a system established in <a href="/wiki/Sweden" title="Sweden">Sweden</a>.<sup id="cite_ref-58" class="reference"><a href="#cite_note-58"><span class="cite-bracket">[</span>58<span class="cite-bracket">]</span></a></sup> It was established through a collaboration from major banks in 2012 and has been very successful, with 66 percent of the population as users in 2017.<sup id="cite_ref-Sweden2017_59-0" class="reference"><a href="#cite_note-Sweden2017-59"><span class="cite-bracket">[</span>59<span class="cite-bracket">]</span></a></sup> It is mainly used for <a href="/wiki/Peer-to-peer" title="Peer-to-peer">peer-to-peer</a> payments between private people, but is also used by churches, street vendors, and small businesses. A person's account is tied to his or her phone number and the connection between the phone number and the actual bank account number is registered in the internet bank. The <a href="/wiki/Electronic_identification" title="Electronic identification">electronic identification</a> system <i>mobile BankID</i>, issued by several Swedish banks, is used to verify the payment. Users with a simple phone or without the app can still receive money if the phone number is registered in the internet bank. Like many other mobile payment system, its main obstacle is getting people to register and download the app, but it has managed to reach a <a href="/wiki/Critical_mass_(sociodynamics)" title="Critical mass (sociodynamics)">critical mass</a> and it has become part of everyday life for many Swedes. </p><p>Swedish payments company <a href="/wiki/Trustly" title="Trustly">Trustly</a> also enables mobile bank transfers, but is used mainly for business-to-consumer transactions that occur solely online. If an e-tailer integrates with Trustly, its customers can pay directly from their bank account. Unlike Swish, users don't need to register a Trustly account or download software to pay with it. </p><p>The Danish <a href="/wiki/MobilePay" title="MobilePay">MobilePay</a> and Norwegian <a href="/wiki/Vipps" title="Vipps">Vipps</a> are also popular in their countries. They use direct and instant bank transfers, but also for users not connected to a participating bank, credit card billing. </p><p>In India a new direct bank transfer system has emerged called as <a href="/wiki/Unified_Payments_Interface" title="Unified Payments Interface">Unified Payments Interface</a>. This system enables users to transfer money to other users and businesses in real-time directly from their bank accounts. Users download UPI supporting app from app stores on their Android or iOS device, link and verify their mobile number with the bank account by sending one outgoing SMS to app provider, create a virtual payment address (VPA) which auto generates a QR code and then set a banking PIN by generating OTP for secure transactions. VPA and QR codes are to ensure easy to use & privacy which can help in <a href="/wiki/Peer-to-peer" title="Peer-to-peer">peer-to-peer</a> (P2P) transactions without giving any user details. Fund transfer can then be initiated to other users or businesses. Settlement of funds happen in real-time, i.e. money is debited from payer's bank account and credited in recipient's bank account in real-time. UPI service works 24x7, including weekends and holidays. This is slowly becoming a very popular service in India and is processing monthly payments worth approximately $10 billion as in October 2018.<sup id="cite_ref-60" class="reference"><a href="#cite_note-60"><span class="cite-bracket">[</span>60<span class="cite-bracket">]</span></a></sup> </p><p>In Poland the <a href="/wiki/Blik_(payment)" class="mw-redirect" title="Blik (payment)">Blik</a> mobile payment system was established in February 2015 by the Polish Payment Standard (PSP) company. To pay with Blik, you need a smartphone, a personal account and a mobile application of one of the banks that cooperate with it. The principle of operation is to generate a 6-digit code in the bank's mobile application. The Blik code is used only to connect the parties to the transaction. It is an identifier that associates the user and a specific bank at a given moment. For two minutes, it points to a specific mobile application to which - through a string of numbers - a request to accept a transaction in a specific store or <a href="/wiki/Automated_teller_machine" class="mw-redirect" title="Automated teller machine">ATM</a> is sent. Blik allows you to pay in online and stationary stores. By the Blik, we can also make transfers to the phone or withdraw money from ATMs.<sup id="cite_ref-61" class="reference"><a href="#cite_note-61"><span class="cite-bracket">[</span>61<span class="cite-bracket">]</span></a></sup> </p> <div class="mw-heading mw-heading2"><h2 id="See_also">See also</h2><span class="mw-editsection"><span class="mw-editsection-bracket">[</span><a href="/w/index.php?title=Mobile_payment&action=edit&section=15" title="Edit section: See also"><span>edit</span></a><span class="mw-editsection-bracket">]</span></span></div> <ul><li><a href="/wiki/Contactless_payment" title="Contactless payment">Contactless payment</a></li> <li><a href="/wiki/Cryptocurrency_wallet" title="Cryptocurrency wallet">Cryptocurrency wallet</a></li> <li><a href="/wiki/Diem_(digital_currency)" title="Diem (digital currency)">Diem (digital currency)</a></li> <li><a href="/wiki/Digital_wallet" title="Digital wallet">Digital wallet</a></li> <li><a href="/wiki/Digital_currency" title="Digital currency">Digital currency</a></li> <li><a href="/wiki/Financial_cryptography" title="Financial cryptography">Financial cryptography</a></li> <li><a href="/wiki/Mobile_ticketing" title="Mobile ticketing">Mobile ticketing</a></li> <li><a href="/wiki/Point_of_sale" title="Point of sale">Point of sale</a></li> <li><a href="/wiki/Point-of-sale_malware" title="Point-of-sale malware">Point-of-sale malware</a></li> <li><a href="/wiki/SMS_banking" title="SMS banking">SMS banking</a></li> <li><a href="/wiki/Unified_Payments_Interface" title="Unified Payments Interface">Unified Payments Interface</a></li> <li><a href="/wiki/Universal_credit_card" title="Universal credit card">Universal credit card</a></li></ul> <div class="mw-heading mw-heading2"><h2 id="References">References</h2><span class="mw-editsection"><span class="mw-editsection-bracket">[</span><a href="/w/index.php?title=Mobile_payment&action=edit&section=16" title="Edit section: References"><span>edit</span></a><span class="mw-editsection-bracket">]</span></span></div> <style data-mw-deduplicate="TemplateStyles:r1239543626">.mw-parser-output .reflist{margin-bottom:0.5em;list-style-type:decimal}@media screen{.mw-parser-output .reflist{font-size:90%}}.mw-parser-output .reflist .references{font-size:100%;margin-bottom:0;list-style-type:inherit}.mw-parser-output .reflist-columns-2{column-width:30em}.mw-parser-output .reflist-columns-3{column-width:25em}.mw-parser-output .reflist-columns{margin-top:0.3em}.mw-parser-output .reflist-columns ol{margin-top:0}.mw-parser-output .reflist-columns li{page-break-inside:avoid;break-inside:avoid-column}.mw-parser-output .reflist-upper-alpha{list-style-type:upper-alpha}.mw-parser-output .reflist-upper-roman{list-style-type:upper-roman}.mw-parser-output .reflist-lower-alpha{list-style-type:lower-alpha}.mw-parser-output .reflist-lower-greek{list-style-type:lower-greek}.mw-parser-output .reflist-lower-roman{list-style-type:lower-roman}</style><div class="reflist reflist-columns references-column-width" style="column-width: 30em;"> <ol class="references"> <li id="cite_note-1"><span class="mw-cite-backlink"><b><a href="#cite_ref-1">^</a></b></span> <span class="reference-text"><style data-mw-deduplicate="TemplateStyles:r1238218222">.mw-parser-output cite.citation{font-style:inherit;word-wrap:break-word}.mw-parser-output .citation q{quotes:"\"""\"""'""'"}.mw-parser-output .citation:target{background-color:rgba(0,127,255,0.133)}.mw-parser-output .id-lock-free.id-lock-free a{background:url("//upload.wikimedia.org/wikipedia/commons/6/65/Lock-green.svg")right 0.1em center/9px no-repeat}.mw-parser-output .id-lock-limited.id-lock-limited a,.mw-parser-output .id-lock-registration.id-lock-registration a{background:url("//upload.wikimedia.org/wikipedia/commons/d/d6/Lock-gray-alt-2.svg")right 0.1em center/9px no-repeat}.mw-parser-output .id-lock-subscription.id-lock-subscription a{background:url("//upload.wikimedia.org/wikipedia/commons/a/aa/Lock-red-alt-2.svg")right 0.1em center/9px no-repeat}.mw-parser-output .cs1-ws-icon a{background:url("//upload.wikimedia.org/wikipedia/commons/4/4c/Wikisource-logo.svg")right 0.1em center/12px no-repeat}body:not(.skin-timeless):not(.skin-minerva) .mw-parser-output .id-lock-free a,body:not(.skin-timeless):not(.skin-minerva) .mw-parser-output .id-lock-limited a,body:not(.skin-timeless):not(.skin-minerva) .mw-parser-output .id-lock-registration a,body:not(.skin-timeless):not(.skin-minerva) .mw-parser-output .id-lock-subscription a,body:not(.skin-timeless):not(.skin-minerva) .mw-parser-output .cs1-ws-icon a{background-size:contain;padding:0 1em 0 0}.mw-parser-output .cs1-code{color:inherit;background:inherit;border:none;padding:inherit}.mw-parser-output .cs1-hidden-error{display:none;color:var(--color-error,#d33)}.mw-parser-output .cs1-visible-error{color:var(--color-error,#d33)}.mw-parser-output .cs1-maint{display:none;color:#085;margin-left:0.3em}.mw-parser-output .cs1-kern-left{padding-left:0.2em}.mw-parser-output .cs1-kern-right{padding-right:0.2em}.mw-parser-output .citation .mw-selflink{font-weight:inherit}@media screen{.mw-parser-output .cs1-format{font-size:95%}html.skin-theme-clientpref-night .mw-parser-output .cs1-maint{color:#18911f}}@media screen and (prefers-color-scheme:dark){html.skin-theme-clientpref-os .mw-parser-output .cs1-maint{color:#18911f}}</style><cite class="citation web cs1"><a rel="nofollow" class="external text" href="https://mpra.ub.uni-muenchen.de/40780/">"Pre-1900 Utopian Visions of the 'Cashless Society'<span class="cs1-kern-right"></span>"</a>. MPRA. 20 August 2012. <a rel="nofollow" class="external text" href="https://web.archive.org/web/20190608215833/https://mpra.ub.uni-muenchen.de/40780/">Archived</a> from the original on 8 June 2019<span class="reference-accessdate">. Retrieved <span class="nowrap">22 September</span> 2012</span>.</cite><span title="ctx_ver=Z39.88-2004&rft_val_fmt=info%3Aofi%2Ffmt%3Akev%3Amtx%3Abook&rft.genre=unknown&rft.btitle=Pre-1900+Utopian+Visions+of+the+%27Cashless+Society%27&rft.pub=MPRA&rft.date=2012-08-20&rft_id=https%3A%2F%2Fmpra.ub.uni-muenchen.de%2F40780%2F&rfr_id=info%3Asid%2Fen.wikipedia.org%3AMobile+payment" class="Z3988"></span></span> </li> <li id="cite_note-2"><span class="mw-cite-backlink"><b><a href="#cite_ref-2">^</a></b></span> <span class="reference-text"><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1238218222"><cite class="citation web cs1"><a rel="nofollow" class="external text" href="https://web.archive.org/web/20111123155552/http://www.wirelessintelligence.com/mobile-money">"GSMA Mobile Money Deployment Tracker"</a>. Wireless Intelligence. Archived from <a rel="nofollow" class="external text" href="http://www.wirelessintelligence.com/mobile-money">the original</a> on 23 November 2011<span class="reference-accessdate">. Retrieved <span class="nowrap">23 June</span> 2012</span>.</cite><span title="ctx_ver=Z39.88-2004&rft_val_fmt=info%3Aofi%2Ffmt%3Akev%3Amtx%3Abook&rft.genre=unknown&rft.btitle=GSMA+Mobile+Money+Deployment+Tracker&rft.pub=Wireless+Intelligence&rft_id=http%3A%2F%2Fwww.wirelessintelligence.com%2Fmobile-money&rfr_id=info%3Asid%2Fen.wikipedia.org%3AMobile+payment" class="Z3988"></span></span> </li> <li id="cite_note-3"><span class="mw-cite-backlink"><b><a href="#cite_ref-3">^</a></b></span> <span class="reference-text"><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1238218222"><cite class="citation web cs1"><a rel="nofollow" class="external text" href="https://web.archive.org/web/20060315011029/http://www.ericsson.com/ericsson/corpinfo/publications/telecomreport/archive/2006/january/valista.shtml">"Japanese Drive Mobile Payment Market"</a>. Ericsson. 12 November 2010. Archived from <a rel="nofollow" class="external text" href="http://www.ericsson.com/ericsson/corpinfo/publications/telecomreport/archive/2006/january/valista.shtml">the original</a> on 15 March 2006<span class="reference-accessdate">. Retrieved <span class="nowrap">19 September</span> 2011</span>.</cite><span title="ctx_ver=Z39.88-2004&rft_val_fmt=info%3Aofi%2Ffmt%3Akev%3Amtx%3Abook&rft.genre=unknown&rft.btitle=Japanese+Drive+Mobile+Payment+Market&rft.pub=Ericsson&rft.date=2010-11-12&rft_id=http%3A%2F%2Fwww.ericsson.com%2Fericsson%2Fcorpinfo%2Fpublications%2Ftelecomreport%2Farchive%2F2006%2Fjanuary%2Fvalista.shtml&rfr_id=info%3Asid%2Fen.wikipedia.org%3AMobile+payment" class="Z3988"></span></span> </li> <li id="cite_note-4"><span class="mw-cite-backlink"><b><a href="#cite_ref-4">^</a></b></span> <span class="reference-text"><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1238218222"><cite class="citation web cs1"><a rel="nofollow" class="external text" href="https://patents.google.com/patent/US20020073027A1/en">"Mobile payment system"</a>. 11 December 2000. <a rel="nofollow" class="external text" href="https://web.archive.org/web/20190323232840/https://patents.google.com/patent/US20020073027A1/en">Archived</a> from the original on 23 March 2019<span class="reference-accessdate">. Retrieved <span class="nowrap">8 June</span> 2018</span>.</cite><span title="ctx_ver=Z39.88-2004&rft_val_fmt=info%3Aofi%2Ffmt%3Akev%3Amtx%3Abook&rft.genre=unknown&rft.btitle=Mobile+payment+system&rft.date=2000-12-11&rft_id=https%3A%2F%2Fpatents.google.com%2Fpatent%2FUS20020073027A1%2Fen&rfr_id=info%3Asid%2Fen.wikipedia.org%3AMobile+payment" class="Z3988"></span></span> </li> <li id="cite_note-5"><span class="mw-cite-backlink"><b><a href="#cite_ref-5">^</a></b></span> <span class="reference-text"><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1238218222"><cite class="citation web cs1"><a rel="nofollow" class="external text" href="https://web.archive.org/web/20141222020037/http://www.financialaccess.org/sites/default/files/publications/Half-the-World-is-Unbanked.pdf">"Half the World is Unbanked"</a> <span class="cs1-format">(PDF)</span>. Financial Access Organization. 2009. Archived from <a rel="nofollow" class="external text" href="http://www.financialaccess.org/sites/default/files/publications/Half-the-World-is-Unbanked.pdf">the original</a> <span class="cs1-format">(PDF)</span> on 22 December 2014.</cite><span title="ctx_ver=Z39.88-2004&rft_val_fmt=info%3Aofi%2Ffmt%3Akev%3Amtx%3Abook&rft.genre=unknown&rft.btitle=Half+the+World+is+Unbanked&rft.pub=Financial+Access+Organization&rft.date=2009&rft_id=http%3A%2F%2Fwww.financialaccess.org%2Fsites%2Fdefault%2Ffiles%2Fpublications%2FHalf-the-World-is-Unbanked.pdf&rfr_id=info%3Asid%2Fen.wikipedia.org%3AMobile+payment" class="Z3988"></span></span> </li> <li id="cite_note-6"><span class="mw-cite-backlink"><b><a href="#cite_ref-6">^</a></b></span> <span class="reference-text"><a rel="nofollow" class="external text" href="http://www.infodev.org/files/3014_file_infoDev.Report_m_Commerce_January.2006.pdf"><i>Micro-payment systems and their application to mobile networks</i>, InfoDev report</a></span> </li> <li id="cite_note-7"><span class="mw-cite-backlink"><b><a href="#cite_ref-7">^</a></b></span> <span class="reference-text"><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1238218222"><cite class="citation web cs1"><a rel="nofollow" class="external text" href="http://www.europeanpaymentscouncil.eu/?LinkServID=0D2E976F-5056-B741-DBA164AA7689AAE9">"White Paper on Mobile Payments"</a>. European Payments Council. 2016. <a rel="nofollow" class="external text" href="https://web.archive.org/web/20190805130536/https://www.europeanpaymentscouncil.eu/?LinkServID=0D2E976F-5056-B741-DBA164AA7689AAE9">Archived</a> from the original on 5 August 2019<span class="reference-accessdate">. Retrieved <span class="nowrap">2 February</span> 2017</span>.</cite><span title="ctx_ver=Z39.88-2004&rft_val_fmt=info%3Aofi%2Ffmt%3Akev%3Amtx%3Abook&rft.genre=unknown&rft.btitle=White+Paper+on+Mobile+Payments&rft.pub=European+Payments+Council&rft.date=2016&rft_id=http%3A%2F%2Fwww.europeanpaymentscouncil.eu%2F%3FLinkServID%3D0D2E976F-5056-B741-DBA164AA7689AAE9&rfr_id=info%3Asid%2Fen.wikipedia.org%3AMobile+payment" class="Z3988"></span></span> </li> <li id="cite_note-8"><span class="mw-cite-backlink"><b><a href="#cite_ref-8">^</a></b></span> <span class="reference-text"><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1238218222"><cite id="CITEREFChaixTorre" class="citation journal cs1">Chaix, Laetitia; Torre, Dominique. <a rel="nofollow" class="external text" href="https://web.archive.org/web/20220319081623/https://citeseerx.ist.psu.edu/viewdoc/summary?doi=10.1.1.460.10">"Four models for mobile payments"</a>. <a href="/wiki/Pennsylvania_State_University" title="Pennsylvania State University">Pennsylvania State University</a>. <a href="/wiki/CiteSeerX_(identifier)" class="mw-redirect" title="CiteSeerX (identifier)">CiteSeerX</a> <span class="id-lock-free" title="Freely accessible"><a rel="nofollow" class="external text" href="https://citeseerx.ist.psu.edu/viewdoc/summary?doi=10.1.1.460.10">10.1.1.460.10</a></span>. Archived from <a rel="nofollow" class="external text" href="https://citeseerx.ist.psu.edu/viewdoc/summary?doi=10.1.1.460.10">the original</a> on 19 March 2022<span class="reference-accessdate">. Retrieved <span class="nowrap">11 January</span> 2011</span>.</cite><span title="ctx_ver=Z39.88-2004&rft_val_fmt=info%3Aofi%2Ffmt%3Akev%3Amtx%3Ajournal&rft.genre=article&rft.atitle=Four+models+for+mobile+payments&rft_id=https%3A%2F%2Fciteseerx.ist.psu.edu%2Fviewdoc%2Fsummary%3Fdoi%3D10.1.1.460.10%23id-name%3DCiteSeerX&rft.aulast=Chaix&rft.aufirst=Laetitia&rft.au=Torre%2C+Dominique&rft_id=https%3A%2F%2Fciteseerx.ist.psu.edu%2Fviewdoc%2Fsummary%3Fdoi%3D10.1.1.460.10&rfr_id=info%3Asid%2Fen.wikipedia.org%3AMobile+payment" class="Z3988"></span> <span class="cs1-visible-error citation-comment"><code class="cs1-code">{{<a href="/wiki/Template:Cite_journal" title="Template:Cite journal">cite journal</a>}}</code>: </span><span class="cs1-visible-error citation-comment">Cite journal requires <code class="cs1-code">|journal=</code> (<a href="/wiki/Help:CS1_errors#missing_periodical" title="Help:CS1 errors">help</a>)</span></span> </li> <li id="cite_note-9"><span class="mw-cite-backlink"><b><a href="#cite_ref-9">^</a></b></span> <span class="reference-text"><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1238218222"><cite class="citation web cs1"><a rel="nofollow" class="external text" href="https://www.gsma.com/mobilefordevelopment/wp-content/uploads/2012/05/Haiti-Mobile-Money.pdf">"HAITI MOBILE MONEY"</a> <span class="cs1-format">(PDF)</span>. <i>GSMA</i>. 2012. <a rel="nofollow" class="external text" href="https://web.archive.org/web/20230302171831/https://www.gsma.com/mobilefordevelopment/wp-content/uploads/2012/05/Haiti-Mobile-Money.pdf">Archived</a> <span class="cs1-format">(PDF)</span> from the original on 2 March 2023<span class="reference-accessdate">. Retrieved <span class="nowrap">15 June</span> 2023</span>.</cite><span title="ctx_ver=Z39.88-2004&rft_val_fmt=info%3Aofi%2Ffmt%3Akev%3Amtx%3Ajournal&rft.genre=unknown&rft.jtitle=GSMA&rft.atitle=HAITI+MOBILE+MONEY&rft.date=2012&rft_id=https%3A%2F%2Fwww.gsma.com%2Fmobilefordevelopment%2Fwp-content%2Fuploads%2F2012%2F05%2FHaiti-Mobile-Money.pdf&rfr_id=info%3Asid%2Fen.wikipedia.org%3AMobile+payment" class="Z3988"></span></span> </li> <li id="cite_note-10"><span class="mw-cite-backlink"><b><a href="#cite_ref-10">^</a></b></span> <span class="reference-text"><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1238218222"><cite class="citation web cs1"><a rel="nofollow" class="external text" href="http://papers.duckdns.org/files/2004_COMSOC-SURVEYS.pdf">"Stamatis Karnouskos, IEEE Communications Surveys & Tutorials, Vol. 6, No. 4, pp. 44–66, 2004"</a> <span class="cs1-format">(PDF)</span>.</cite><span title="ctx_ver=Z39.88-2004&rft_val_fmt=info%3Aofi%2Ffmt%3Akev%3Amtx%3Abook&rft.genre=unknown&rft.btitle=Stamatis+Karnouskos%2C+IEEE+Communications+Surveys+%26+Tutorials%2C+Vol.+6%2C+No.+4%2C+pp.+44%E2%80%9366%2C+2004.&rft_id=http%3A%2F%2Fpapers.duckdns.org%2Ffiles%2F2004_COMSOC-SURVEYS.pdf&rfr_id=info%3Asid%2Fen.wikipedia.org%3AMobile+payment" class="Z3988"></span></span> </li> <li id="cite_note-11"><span class="mw-cite-backlink"><b><a href="#cite_ref-11">^</a></b></span> <span class="reference-text"><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1238218222"><cite class="citation web cs1"><a rel="nofollow" class="external text" href="https://web.archive.org/web/20140228012331/http://www.thinslices.com/blog/mobile-payment-apps-a-fresh-perspective-on-online-finances/">"Mobile payment apps – a fresh perspective on online finances"</a>. February 2014. Archived from <a rel="nofollow" class="external text" href="http://www.thinslices.com/blog/mobile-payment-apps-a-fresh-perspective-on-online-finances/">the original</a> on 28 February 2014.</cite><span title="ctx_ver=Z39.88-2004&rft_val_fmt=info%3Aofi%2Ffmt%3Akev%3Amtx%3Abook&rft.genre=unknown&rft.btitle=Mobile+payment+apps+%E2%80%93+a+fresh+perspective+on+online+finances&rft.date=2014-02&rft_id=http%3A%2F%2Fwww.thinslices.com%2Fblog%2Fmobile-payment-apps-a-fresh-perspective-on-online-finances%2F&rfr_id=info%3Asid%2Fen.wikipedia.org%3AMobile+payment" class="Z3988"></span></span> </li> <li id="cite_note-12"><span class="mw-cite-backlink"><b><a href="#cite_ref-12">^</a></b></span> <span class="reference-text"><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1238218222"><cite class="citation web cs1"><a rel="nofollow" class="external text" href="https://www.reuters.com/article/ericsson-idUKLDE71128320110202">"Ericsson launches mobile phone banking services"</a>. Reuters.com. <a rel="nofollow" class="external text" href="https://web.archive.org/web/20220618205419/https://www.reuters.com/article/ericsson-idUKLDE71128320110202">Archived</a> from the original on 18 June 2022<span class="reference-accessdate">. Retrieved <span class="nowrap">16 December</span> 2012</span>.</cite><span title="ctx_ver=Z39.88-2004&rft_val_fmt=info%3Aofi%2Ffmt%3Akev%3Amtx%3Abook&rft.genre=unknown&rft.btitle=Ericsson+launches+mobile+phone+banking+services&rft.pub=Reuters.com&rft_id=https%3A%2F%2Fwww.reuters.com%2Farticle%2Fericsson-idUKLDE71128320110202&rfr_id=info%3Asid%2Fen.wikipedia.org%3AMobile+payment" class="Z3988"></span></span> </li> <li id="cite_note-13"><span class="mw-cite-backlink"><b><a href="#cite_ref-13">^</a></b></span> <span class="reference-text"><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1238218222"><cite class="citation web cs1"><a rel="nofollow" class="external text" href="http://www.ericsson.com/news/110608_money_244188810_c">"Ericsson Money Services brings connected mobile money to Europe"</a>. Ericsson.com. <a rel="nofollow" class="external text" href="https://web.archive.org/web/20170315175549/https://www.ericsson.com/news/110608_money_244188810_c">Archived</a> from the original on 15 March 2017<span class="reference-accessdate">. Retrieved <span class="nowrap">16 December</span> 2012</span>.</cite><span title="ctx_ver=Z39.88-2004&rft_val_fmt=info%3Aofi%2Ffmt%3Akev%3Amtx%3Abook&rft.genre=unknown&rft.btitle=Ericsson+Money+Services+brings+connected+mobile+money+to+Europe&rft.pub=Ericsson.com&rft_id=http%3A%2F%2Fwww.ericsson.com%2Fnews%2F110608_money_244188810_c&rfr_id=info%3Asid%2Fen.wikipedia.org%3AMobile+payment" class="Z3988"></span></span> </li> <li id="cite_note-14"><span class="mw-cite-backlink"><b><a href="#cite_ref-14">^</a></b></span> <span class="reference-text"><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1238218222"><cite class="citation web cs1"><a rel="nofollow" class="external text" href="https://www.investopedia.com/terms/m/mobile-wallet.asp">"Mobile Wallet"</a>. <i><a href="/wiki/Investopedia" title="Investopedia">Investopedia</a></i>. <a rel="nofollow" class="external text" href="https://web.archive.org/web/20190306111533/https://www.investopedia.com/terms/m/mobile-wallet.asp">Archived</a> from the original on 6 March 2019<span class="reference-accessdate">. Retrieved <span class="nowrap">6 March</span> 2019</span>.</cite><span title="ctx_ver=Z39.88-2004&rft_val_fmt=info%3Aofi%2Ffmt%3Akev%3Amtx%3Ajournal&rft.genre=unknown&rft.jtitle=Investopedia&rft.atitle=Mobile+Wallet&rft_id=https%3A%2F%2Fwww.investopedia.com%2Fterms%2Fm%2Fmobile-wallet.asp&rfr_id=info%3Asid%2Fen.wikipedia.org%3AMobile+payment" class="Z3988"></span></span> </li> <li id="cite_note-15"><span class="mw-cite-backlink"><b><a href="#cite_ref-15">^</a></b></span> <span class="reference-text"><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1238218222"><cite id="CITEREFFeig2007" class="citation web cs1">Feig, Nancy (25 June 2007). <a rel="nofollow" class="external text" href="https://web.archive.org/web/20171117022158/http://www.banktech.com/channels/mobile-payments-look-to-korea/d/d-id/1291396">"Mobile Payments: Look to Korea"</a>. Banktech.com. Archived from <a rel="nofollow" class="external text" href="http://www.banktech.com/channels/mobile-payments-look-to-korea/d/d-id/1291396">the original</a> on 17 November 2017<span class="reference-accessdate">. Retrieved <span class="nowrap">19 September</span> 2011</span>.</cite><span title="ctx_ver=Z39.88-2004&rft_val_fmt=info%3Aofi%2Ffmt%3Akev%3Amtx%3Abook&rft.genre=unknown&rft.btitle=Mobile+Payments%3A+Look+to+Korea&rft.pub=Banktech.com&rft.date=2007-06-25&rft.aulast=Feig&rft.aufirst=Nancy&rft_id=http%3A%2F%2Fwww.banktech.com%2Fchannels%2Fmobile-payments-look-to-korea%2Fd%2Fd-id%2F1291396&rfr_id=info%3Asid%2Fen.wikipedia.org%3AMobile+payment" class="Z3988"></span></span> </li> <li id="cite_note-16"><span class="mw-cite-backlink"><b><a href="#cite_ref-16">^</a></b></span> <span class="reference-text"><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1238218222"><cite class="citation web cs1"><a rel="nofollow" class="external text" href="https://www.federalreserve.gov/econresdata/mobile-devices/2012-current-use-mobile-banking-payments.htm">"FRB: Current Use of Mobile Banking and Payments"</a>. <i>Federalreserve.gov</i>. 2 August 2013. <a rel="nofollow" class="external text" href="https://web.archive.org/web/20140317085131/http://www.federalreserve.gov/econresdata/mobile-devices/2012-current-use-mobile-banking-payments.htm">Archived</a> from the original on 17 March 2014<span class="reference-accessdate">. Retrieved <span class="nowrap">7 January</span> 2017</span>.</cite><span title="ctx_ver=Z39.88-2004&rft_val_fmt=info%3Aofi%2Ffmt%3Akev%3Amtx%3Ajournal&rft.genre=unknown&rft.jtitle=Federalreserve.gov&rft.atitle=FRB%3A+Current+Use+of+Mobile+Banking+and+Payments&rft.date=2013-08-02&rft_id=http%3A%2F%2Fwww.federalreserve.gov%2Feconresdata%2Fmobile-devices%2F2012-current-use-mobile-banking-payments.htm&rfr_id=info%3Asid%2Fen.wikipedia.org%3AMobile+payment" class="Z3988"></span></span> </li> <li id="cite_note-17"><span class="mw-cite-backlink"><b><a href="#cite_ref-17">^</a></b></span> <span class="reference-text"><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1238218222"><cite class="citation web cs1"><a rel="nofollow" class="external text" href="https://techcrunch.com/2012/05/29/gartner-over-172b-in-mobile-payments-in-2012-with-212m-users-sms-web-most-popular-transaction-methods/">"Gartner: Over $172B In Mobile Payments In 2012; SMS, Web Most Popular Routes"</a>. <i>TechCrunch.com</i>. 29 May 2012. <a rel="nofollow" class="external text" href="https://web.archive.org/web/20170705015406/https://techcrunch.com/2012/05/29/gartner-over-172b-in-mobile-payments-in-2012-with-212m-users-sms-web-most-popular-transaction-methods/">Archived</a> from the original on 5 July 2017<span class="reference-accessdate">. Retrieved <span class="nowrap">7 January</span> 2017</span>.</cite><span title="ctx_ver=Z39.88-2004&rft_val_fmt=info%3Aofi%2Ffmt%3Akev%3Amtx%3Ajournal&rft.genre=unknown&rft.jtitle=TechCrunch.com&rft.atitle=Gartner%3A+Over+%24172B+In+Mobile+Payments+In+2012%3B+SMS%2C+Web+Most+Popular+Routes&rft.date=2012-05-29&rft_id=https%3A%2F%2Ftechcrunch.com%2F2012%2F05%2F29%2Fgartner-over-172b-in-mobile-payments-in-2012-with-212m-users-sms-web-most-popular-transaction-methods%2F&rfr_id=info%3Asid%2Fen.wikipedia.org%3AMobile+payment" class="Z3988"></span></span> </li> <li id="cite_note-18"><span class="mw-cite-backlink"><b><a href="#cite_ref-18">^</a></b></span> <span class="reference-text"><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1238218222"><cite class="citation web cs1"><a rel="nofollow" class="external text" href="http://indiamicrofinance.com/wp-content/uploads/2008/09/Tokenization-Whats-next-after-PCI.pdf">"Tokenisation : What's next after PCI?"</a> <span class="cs1-format">(PDF)</span>. <i>indiamicrofinance.com</i>. <a rel="nofollow" class="external text" href="https://web.archive.org/web/20170118043340/http://indiamicrofinance.com/wp-content/uploads/2008/09/Tokenization-Whats-next-after-PCI.pdf">Archived</a> <span class="cs1-format">(PDF)</span> from the original on 18 January 2017<span class="reference-accessdate">. Retrieved <span class="nowrap">7 January</span> 2017</span>.</cite><span title="ctx_ver=Z39.88-2004&rft_val_fmt=info%3Aofi%2Ffmt%3Akev%3Amtx%3Ajournal&rft.genre=unknown&rft.jtitle=indiamicrofinance.com&rft.atitle=Tokenisation+%3A+What%27s+next+after+PCI%3F&rft_id=http%3A%2F%2Findiamicrofinance.com%2Fwp-content%2Fuploads%2F2008%2F09%2FTokenization-Whats-next-after-PCI.pdf&rfr_id=info%3Asid%2Fen.wikipedia.org%3AMobile+payment" class="Z3988"></span></span> </li> <li id="cite_note-19"><span class="mw-cite-backlink"><b><a href="#cite_ref-19">^</a></b></span> <span class="reference-text"><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1238218222"><cite class="citation web cs1"><a rel="nofollow" class="external text" href="http://www.insurancetech.com/architecture-infrastructure/cure-insurance-coo-eric-poe-dishes-on-te/232301336">"CURE Insurance COO Eric Poe Dishes on Text-to-Pay | Insurance & Technology"</a>. <i>Insurancetech.com</i>. <a rel="nofollow" class="external text" href="https://web.archive.org/web/20140317212040/http://www.insurancetech.com/architecture-infrastructure/cure-insurance-coo-eric-poe-dishes-on-te/232301336">Archived</a> from the original on 17 March 2014<span class="reference-accessdate">. Retrieved <span class="nowrap">7 January</span> 2017</span>.</cite><span title="ctx_ver=Z39.88-2004&rft_val_fmt=info%3Aofi%2Ffmt%3Akev%3Amtx%3Ajournal&rft.genre=unknown&rft.jtitle=Insurancetech.com&rft.atitle=CURE+Insurance+COO+Eric+Poe+Dishes+on+Text-to-Pay+%26%23124%3B+Insurance+%26+Technology&rft_id=http%3A%2F%2Fwww.insurancetech.com%2Farchitecture-infrastructure%2Fcure-insurance-coo-eric-poe-dishes-on-te%2F232301336&rfr_id=info%3Asid%2Fen.wikipedia.org%3AMobile+payment" class="Z3988"></span></span> </li> <li id="cite_note-20"><span class="mw-cite-backlink"><b><a href="#cite_ref-20">^</a></b></span> <span class="reference-text"><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1238218222"><cite id="CITEREFJukka_Salonen" class="citation web cs1">Jukka Salonen. <a rel="nofollow" class="external text" href="https://web.archive.org/web/20140317213342/http://www.hightechfinland.com/direct.aspx?area=htf&prm1=794&prm2=article">"High Technology Finland | Innovation in Finland"</a>. <i>Hightechfinland.com</i>. Archived from <a rel="nofollow" class="external text" href="http://www.hightechfinland.com/direct.aspx?area=htf&prm1=794&prm2=article">the original</a> on 17 March 2014<span class="reference-accessdate">. Retrieved <span class="nowrap">7 January</span> 2017</span>.</cite><span title="ctx_ver=Z39.88-2004&rft_val_fmt=info%3Aofi%2Ffmt%3Akev%3Amtx%3Ajournal&rft.genre=unknown&rft.jtitle=Hightechfinland.com&rft.atitle=High+Technology+Finland+%26%23124%3B+Innovation+in+Finland&rft.au=Jukka+Salonen&rft_id=http%3A%2F%2Fwww.hightechfinland.com%2Fdirect.aspx%3Farea%3Dhtf%26prm1%3D794%26prm2%3Darticle&rfr_id=info%3Asid%2Fen.wikipedia.org%3AMobile+payment" class="Z3988"></span></span> </li> <li id="cite_note-21"><span class="mw-cite-backlink"><b><a href="#cite_ref-21">^</a></b></span> <span class="reference-text"><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1238218222"><cite id="CITEREFHussain" class="citation web cs1">Hussain, Atif. <a rel="nofollow" class="external text" href="http://www.google.sr/patents/US20150356630">"Method and system for managing spam"</a>. <a rel="nofollow" class="external text" href="https://web.archive.org/web/20171111044252/http://www.google.sr/patents/US20150356630">Archived</a> from the original on 11 November 2017<span class="reference-accessdate">. Retrieved <span class="nowrap">10 November</span> 2017</span>.</cite><span title="ctx_ver=Z39.88-2004&rft_val_fmt=info%3Aofi%2Ffmt%3Akev%3Amtx%3Abook&rft.genre=unknown&rft.btitle=Method+and+system+for+managing+spam&rft.aulast=Hussain&rft.aufirst=Atif&rft_id=http%3A%2F%2Fwww.google.sr%2Fpatents%2FUS20150356630&rfr_id=info%3Asid%2Fen.wikipedia.org%3AMobile+payment" class="Z3988"></span></span> </li> <li id="cite_note-22"><span class="mw-cite-backlink"><b><a href="#cite_ref-22">^</a></b></span> <span class="reference-text"><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1238218222"><cite class="citation web cs1"><a rel="nofollow" class="external text" href="https://web.archive.org/web/20100917211707/http://bango.com/mobilebilling/payment_network.aspx">"Payout rates from one of the major billing aggregator, Bango"</a>. Bango.com. Archived from <a rel="nofollow" class="external text" href="http://bango.com/mobilebilling/payment_network.aspx">the original</a> on 17 September 2010<span class="reference-accessdate">. Retrieved <span class="nowrap">19 September</span> 2011</span>.</cite><span title="ctx_ver=Z39.88-2004&rft_val_fmt=info%3Aofi%2Ffmt%3Akev%3Amtx%3Abook&rft.genre=unknown&rft.btitle=Payout+rates+from+one+of+the+major+billing+aggregator%2C+Bango&rft.pub=Bango.com&rft_id=http%3A%2F%2Fbango.com%2Fmobilebilling%2Fpayment_network.aspx&rfr_id=info%3Asid%2Fen.wikipedia.org%3AMobile+payment" class="Z3988"></span></span> </li> <li id="cite_note-23"><span class="mw-cite-backlink"><b><a href="#cite_ref-23">^</a></b></span> <span class="reference-text"><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1238218222"><cite class="citation web cs1"><a rel="nofollow" class="external text" href="https://archive.today/20130216113727/http://www.mobilepaymentstoday.com/article/191065/Ericsson-Western-Union-partner-to-push-mobile-financial-services">"Ericsson, Western Union partner to push mobile financial services"</a>. <i>Mobile Payments Today</i>. 28 February 2012. Archived from <a rel="nofollow" class="external text" href="http://www.mobilepaymentstoday.com/article/191065/Ericsson-Western-Union-partner-to-push-mobile-financial-services">the original</a> on 16 February 2013<span class="reference-accessdate">. Retrieved <span class="nowrap">25 January</span> 2013</span>.</cite><span title="ctx_ver=Z39.88-2004&rft_val_fmt=info%3Aofi%2Ffmt%3Akev%3Amtx%3Ajournal&rft.genre=unknown&rft.jtitle=Mobile+Payments+Today&rft.atitle=Ericsson%2C+Western+Union+partner+to+push+mobile+financial+services&rft.date=2012-02-28&rft_id=http%3A%2F%2Fwww.mobilepaymentstoday.com%2Farticle%2F191065%2FEricsson-Western-Union-partner-to-push-mobile-financial-services&rfr_id=info%3Asid%2Fen.wikipedia.org%3AMobile+payment" class="Z3988"></span></span> </li> <li id="cite_note-24"><span class="mw-cite-backlink"><b><a href="#cite_ref-24">^</a></b></span> <span class="reference-text"><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1238218222"><cite class="citation web cs1"><a rel="nofollow" class="external text" href="http://www.lightreading.com/document.asp?doc_id=218000">"Ericsson Teams with Western Union"</a>. <i>Light Reading</i>. 27 February 2012<span class="reference-accessdate">. Retrieved <span class="nowrap">25 January</span> 2013</span>.</cite><span title="ctx_ver=Z39.88-2004&rft_val_fmt=info%3Aofi%2Ffmt%3Akev%3Amtx%3Ajournal&rft.genre=unknown&rft.jtitle=Light+Reading&rft.atitle=Ericsson+Teams+with+Western+Union&rft.date=2012-02-27&rft_id=http%3A%2F%2Fwww.lightreading.com%2Fdocument.asp%3Fdoc_id%3D218000&rfr_id=info%3Asid%2Fen.wikipedia.org%3AMobile+payment" class="Z3988"></span></span> </li> <li id="cite_note-25"><span class="mw-cite-backlink"><b><a href="#cite_ref-25">^</a></b></span> <span class="reference-text"><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1238218222"><cite class="citation web cs1"><a rel="nofollow" class="external text" href="https://web.archive.org/web/20121015000307/http://www.rfidjournal.com/article/view/6930">"VDC: NFC Adoption Will Be Slower Than Expected"</a>. RFID Journal. 3 March 2008. Archived from <a rel="nofollow" class="external text" href="http://www.rfidjournal.com/article/view/6930">the original</a> on 15 October 2012<span class="reference-accessdate">. Retrieved <span class="nowrap">19 September</span> 2011</span>.</cite><span title="ctx_ver=Z39.88-2004&rft_val_fmt=info%3Aofi%2Ffmt%3Akev%3Amtx%3Abook&rft.genre=unknown&rft.btitle=VDC%3A+NFC+Adoption+Will+Be+Slower+Than+Expected&rft.pub=RFID+Journal&rft.date=2008-03-03&rft_id=http%3A%2F%2Fwww.rfidjournal.com%2Farticle%2Fview%2F6930&rfr_id=info%3Asid%2Fen.wikipedia.org%3AMobile+payment" class="Z3988"></span></span> </li> <li id="cite_note-26"><span class="mw-cite-backlink"><b><a href="#cite_ref-26">^</a></b></span> <span class="reference-text"><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1238218222"><cite class="citation web cs1"><a rel="nofollow" class="external text" href="https://archive.today/20130216112508/http://www.mobilepaymentstoday.com/article/195615/Ericsson-and-Aconite-collaborate-on-mobile-contactless-payments">"Ericsson and Aconite collaborate on mobile contactless payments"</a>. <i>Mobile Payments Today</i>. Archived from <a rel="nofollow" class="external text" href="http://www.mobilepaymentstoday.com/article/195615/Ericsson-and-Aconite-collaborate-on-mobile-contactless-payments">the original</a> on 16 February 2013<span class="reference-accessdate">. Retrieved <span class="nowrap">25 January</span> 2013</span>.</cite><span title="ctx_ver=Z39.88-2004&rft_val_fmt=info%3Aofi%2Ffmt%3Akev%3Amtx%3Ajournal&rft.genre=unknown&rft.jtitle=Mobile+Payments+Today&rft.atitle=Ericsson+and+Aconite+collaborate+on+mobile+contactless+payments&rft_id=http%3A%2F%2Fwww.mobilepaymentstoday.com%2Farticle%2F195615%2FEricsson-and-Aconite-collaborate-on-mobile-contactless-payments&rfr_id=info%3Asid%2Fen.wikipedia.org%3AMobile+payment" class="Z3988"></span></span> </li> <li id="cite_note-27"><span class="mw-cite-backlink"><b><a href="#cite_ref-27">^</a></b></span> <span class="reference-text"><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1238218222"><cite class="citation web cs1"><a rel="nofollow" class="external text" href="https://www.nfcw.com/2009/01/19/3577/mobile-and-transit-operators-launch-nfc-payments-system-in-chongqing/">"Mobile and transit operators launch NFC payments system in Chongqing"</a>. nfcw.com. 19 January 2019. <a rel="nofollow" class="external text" href="https://web.archive.org/web/20210303174513/https://www.nfcw.com/2009/01/19/3577/mobile-and-transit-operators-launch-nfc-payments-system-in-chongqing/">Archived</a> from the original on 3 March 2021<span class="reference-accessdate">. Retrieved <span class="nowrap">2 August</span> 2020</span>.</cite><span title="ctx_ver=Z39.88-2004&rft_val_fmt=info%3Aofi%2Ffmt%3Akev%3Amtx%3Abook&rft.genre=unknown&rft.btitle=Mobile+and+transit+operators+launch+NFC+payments+system+in+Chongqing&rft.pub=nfcw.com&rft.date=2019-01-19&rft_id=https%3A%2F%2Fwww.nfcw.com%2F2009%2F01%2F19%2F3577%2Fmobile-and-transit-operators-launch-nfc-payments-system-in-chongqing%2F&rfr_id=info%3Asid%2Fen.wikipedia.org%3AMobile+payment" class="Z3988"></span></span> </li> <li id="cite_note-Nice2010-28"><span class="mw-cite-backlink">^ <a href="#cite_ref-Nice2010_28-0"><sup><i><b>a</b></i></sup></a> <a href="#cite_ref-Nice2010_28-1"><sup><i><b>b</b></i></sup></a></span> <span class="reference-text"><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1238218222"><cite class="citation web cs1"><a rel="nofollow" class="external text" href="https://www.nfcw.com/2010/05/14/33638/nfc-city-pilot-to-go-live-in-nice-on-21-may-under-cityzi-banner/">"NFC city pilot to go live in Nice on 21 May under 'Cityzi' banner"</a>. nfcw.com. 14 May 2010. <a rel="nofollow" class="external text" href="https://web.archive.org/web/20200719165044/https://www.nfcw.com/2010/05/14/33638/nfc-city-pilot-to-go-live-in-nice-on-21-may-under-cityzi-banner/">Archived</a> from the original on 19 July 2020<span class="reference-accessdate">. Retrieved <span class="nowrap">2 August</span> 2020</span>.</cite><span title="ctx_ver=Z39.88-2004&rft_val_fmt=info%3Aofi%2Ffmt%3Akev%3Amtx%3Abook&rft.genre=unknown&rft.btitle=NFC+city+pilot+to+go+live+in+Nice+on+21+May+under+%27Cityzi%27+banner&rft.pub=nfcw.com&rft.date=2010-05-14&rft_id=https%3A%2F%2Fwww.nfcw.com%2F2010%2F05%2F14%2F33638%2Fnfc-city-pilot-to-go-live-in-nice-on-21-may-under-cityzi-banner%2F&rfr_id=info%3Asid%2Fen.wikipedia.org%3AMobile+payment" class="Z3988"></span></span> </li> <li id="cite_note-29"><span class="mw-cite-backlink"><b><a href="#cite_ref-29">^</a></b></span> <span class="reference-text"><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1238218222"><cite class="citation web cs1"><a rel="nofollow" class="external text" href="https://www.nfcw.com/2010/07/15/34145/kddi-softbank-mobile-and-sk-telecom-to-introduce-nfc-standard-services-in-japan-and-korea/">"KDDI, Softbank Mobile and SK Telecom to introduce NFC standard services in Japan and Korea"</a>. nfcw.com. 15 July 2010. <a rel="nofollow" class="external text" href="https://web.archive.org/web/20201025143231/https://www.nfcw.com/2010/07/15/34145/kddi-softbank-mobile-and-sk-telecom-to-introduce-nfc-standard-services-in-japan-and-korea/">Archived</a> from the original on 25 October 2020<span class="reference-accessdate">. Retrieved <span class="nowrap">2 August</span> 2020</span>.</cite><span title="ctx_ver=Z39.88-2004&rft_val_fmt=info%3Aofi%2Ffmt%3Akev%3Amtx%3Abook&rft.genre=unknown&rft.btitle=KDDI%2C+Softbank+Mobile+and+SK+Telecom+to+introduce+NFC+standard+services+in+Japan+and+Korea&rft.pub=nfcw.com&rft.date=2010-07-15&rft_id=https%3A%2F%2Fwww.nfcw.com%2F2010%2F07%2F15%2F34145%2Fkddi-softbank-mobile-and-sk-telecom-to-introduce-nfc-standard-services-in-japan-and-korea%2F&rfr_id=info%3Asid%2Fen.wikipedia.org%3AMobile+payment" class="Z3988"></span></span> </li> <li id="cite_note-30"><span class="mw-cite-backlink"><b><a href="#cite_ref-30">^</a></b></span> <span class="reference-text"><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1238218222"><cite class="citation web cs1"><a rel="nofollow" class="external text" href="https://www.nfcw.com/2010/03/25/33318/sk-telecom-and-hana-launch-sim-based-mobile-contactless-payments-and-promotions-service/">"SK Telecom and Hana launch SIM-based mobile contactless payments and promotions service"</a>. nfcw.com. 25 March 2010. <a rel="nofollow" class="external text" href="https://web.archive.org/web/20201001201516/https://www.nfcw.com/2010/03/25/33318/sk-telecom-and-hana-launch-sim-based-mobile-contactless-payments-and-promotions-service/">Archived</a> from the original on 1 October 2020<span class="reference-accessdate">. Retrieved <span class="nowrap">2 August</span> 2020</span>.</cite><span title="ctx_ver=Z39.88-2004&rft_val_fmt=info%3Aofi%2Ffmt%3Akev%3Amtx%3Abook&rft.genre=unknown&rft.btitle=SK+Telecom+and+Hana+launch+SIM-based+mobile+contactless+payments+and+promotions+service&rft.pub=nfcw.com&rft.date=2010-03-25&rft_id=https%3A%2F%2Fwww.nfcw.com%2F2010%2F03%2F25%2F33318%2Fsk-telecom-and-hana-launch-sim-based-mobile-contactless-payments-and-promotions-service%2F&rfr_id=info%3Asid%2Fen.wikipedia.org%3AMobile+payment" class="Z3988"></span></span> </li> <li id="cite_note-31"><span class="mw-cite-backlink"><b><a href="#cite_ref-31">^</a></b></span> <span class="reference-text"><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1238218222"><cite class="citation web cs1"><a rel="nofollow" class="external text" href="https://www.nfcw.com/2010/06/14/33923/gemalto-provides-kddi-with-end-to-end-nfc-security-solution/">"Gemalto provides KDDI with end-to-end NFC security solution"</a>. nfcw.com. 14 June 2010. <a rel="nofollow" class="external text" href="https://web.archive.org/web/20210123161326/https://www.nfcw.com/2010/06/14/33923/gemalto-provides-kddi-with-end-to-end-nfc-security-solution/">Archived</a> from the original on 23 January 2021<span class="reference-accessdate">. Retrieved <span class="nowrap">2 August</span> 2020</span>.</cite><span title="ctx_ver=Z39.88-2004&rft_val_fmt=info%3Aofi%2Ffmt%3Akev%3Amtx%3Abook&rft.genre=unknown&rft.btitle=Gemalto+provides+KDDI+with+end-to-end+NFC+security+solution&rft.pub=nfcw.com&rft.date=2010-06-14&rft_id=https%3A%2F%2Fwww.nfcw.com%2F2010%2F06%2F14%2F33923%2Fgemalto-provides-kddi-with-end-to-end-nfc-security-solution%2F&rfr_id=info%3Asid%2Fen.wikipedia.org%3AMobile+payment" class="Z3988"></span></span> </li> <li id="cite_note-32"><span class="mw-cite-backlink"><b><a href="#cite_ref-32">^</a></b></span> <span class="reference-text"><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1238218222"><cite class="citation web cs1"><a rel="nofollow" class="external text" href="https://www.nfcw.com/2011/02/09/35835/ntt-docomo-partners-with-koreas-kt-to-switch-to-nfc-at-end-of-2012/">"NTT Docomo partners with Korea's KT to switch to NFC at end of 2012"</a>. nfcw.com. 9 February 2011. <a rel="nofollow" class="external text" href="https://web.archive.org/web/20200805231302/https://www.nfcw.com/2011/02/09/35835/ntt-docomo-partners-with-koreas-kt-to-switch-to-nfc-at-end-of-2012/">Archived</a> from the original on 5 August 2020<span class="reference-accessdate">. Retrieved <span class="nowrap">2 August</span> 2020</span>.</cite><span title="ctx_ver=Z39.88-2004&rft_val_fmt=info%3Aofi%2Ffmt%3Akev%3Amtx%3Abook&rft.genre=unknown&rft.btitle=NTT+Docomo+partners+with+Korea%27s+KT+to+switch+to+NFC+at+end+of+2012&rft.pub=nfcw.com&rft.date=2011-02-09&rft_id=https%3A%2F%2Fwww.nfcw.com%2F2011%2F02%2F09%2F35835%2Fntt-docomo-partners-with-koreas-kt-to-switch-to-nfc-at-end-of-2012%2F&rfr_id=info%3Asid%2Fen.wikipedia.org%3AMobile+payment" class="Z3988"></span></span> </li> <li id="cite_note-33"><span class="mw-cite-backlink"><b><a href="#cite_ref-33">^</a></b></span> <span class="reference-text"><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1238218222"><cite class="citation web cs1"><a rel="nofollow" class="external text" href="https://www.nfcw.com/2011/01/05/35551/china-unicom-launches-commercial-nfc-service-in-beijing/">"China Unicom launches commercial NFC service in Beijing"</a>. nfcw.com. 5 January 2011. <a rel="nofollow" class="external text" href="https://web.archive.org/web/20200809202513/https://www.nfcw.com/2011/01/05/35551/china-unicom-launches-commercial-nfc-service-in-beijing/">Archived</a> from the original on 9 August 2020<span class="reference-accessdate">. Retrieved <span class="nowrap">2 August</span> 2020</span>.</cite><span title="ctx_ver=Z39.88-2004&rft_val_fmt=info%3Aofi%2Ffmt%3Akev%3Amtx%3Abook&rft.genre=unknown&rft.btitle=China+Unicom+launches+commercial+NFC+service+in+Beijing&rft.pub=nfcw.com&rft.date=2011-01-05&rft_id=https%3A%2F%2Fwww.nfcw.com%2F2011%2F01%2F05%2F35551%2Fchina-unicom-launches-commercial-nfc-service-in-beijing%2F&rfr_id=info%3Asid%2Fen.wikipedia.org%3AMobile+payment" class="Z3988"></span></span> </li> <li id="cite_note-34"><span class="mw-cite-backlink"><b><a href="#cite_ref-34">^</a></b></span> <span class="reference-text"><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1238218222"><cite class="citation web cs1 cs1-prop-foreign-lang-source"><a rel="nofollow" class="external text" href="https://www.01net.com/actualites/a-hanau-le-portable-ticket-de-bus-joue-au-juste-prix-276000.html">"A Hanau, le portable-ticket de bus joue au juste prix"</a> (in French). 01net.com. 2 May 2005. <a rel="nofollow" class="external text" href="https://web.archive.org/web/20200629113035/https://www.01net.com/actualites/a-hanau-le-portable-ticket-de-bus-joue-au-juste-prix-276000.html">Archived</a> from the original on 29 June 2020<span class="reference-accessdate">. Retrieved <span class="nowrap">28 June</span> 2020</span>.</cite><span title="ctx_ver=Z39.88-2004&rft_val_fmt=info%3Aofi%2Ffmt%3Akev%3Amtx%3Abook&rft.genre=unknown&rft.btitle=A+Hanau%2C+le+portable-ticket+de+bus+joue+au+juste+prix&rft.pub=01net.com&rft.date=2005-05-02&rft_id=https%3A%2F%2Fwww.01net.com%2Factualites%2Fa-hanau-le-portable-ticket-de-bus-joue-au-juste-prix-276000.html&rfr_id=info%3Asid%2Fen.wikipedia.org%3AMobile+payment" class="Z3988"></span></span> </li> <li id="cite_note-Caen-35"><span class="mw-cite-backlink"><b><a href="#cite_ref-Caen_35-0">^</a></b></span> <span class="reference-text"><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1238218222"><cite class="citation web cs1 cs1-prop-foreign-lang-source"><a rel="nofollow" class="external text" href="https://www.01net.com/actualites/caen-la-ville-ou-lon-paye-et-sinforme-en-sortant-son-portable-292660.html">"Caen, la ville où l'on paye et s'informe en sortant son portable"</a> (in French). 01net.com. 20 October 2005. <a rel="nofollow" class="external text" href="https://web.archive.org/web/20200627220830/https://www.01net.com/actualites/caen-la-ville-ou-lon-paye-et-sinforme-en-sortant-son-portable-292660.html">Archived</a> from the original on 27 June 2020<span class="reference-accessdate">. Retrieved <span class="nowrap">28 June</span> 2020</span>.</cite><span title="ctx_ver=Z39.88-2004&rft_val_fmt=info%3Aofi%2Ffmt%3Akev%3Amtx%3Abook&rft.genre=unknown&rft.btitle=Caen%2C+la+ville+o%C3%B9+l%27on+paye+et+s%27informe+en+sortant+son+portable&rft.pub=01net.com&rft.date=2005-10-20&rft_id=https%3A%2F%2Fwww.01net.com%2Factualites%2Fcaen-la-ville-ou-lon-paye-et-sinforme-en-sortant-son-portable-292660.html&rfr_id=info%3Asid%2Fen.wikipedia.org%3AMobile+payment" class="Z3988"></span></span> </li> <li id="cite_note-Nice-36"><span class="mw-cite-backlink">^ <a href="#cite_ref-Nice_36-0"><sup><i><b>a</b></i></sup></a> <a href="#cite_ref-Nice_36-1"><sup><i><b>b</b></i></sup></a> <a href="#cite_ref-Nice_36-2"><sup><i><b>c</b></i></sup></a></span> <span class="reference-text"><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1238218222"><cite class="citation web cs1 cs1-prop-foreign-lang-source"><a rel="nofollow" class="external text" href="https://www.01net.com/actualites/les-transports-en-commun-nicois-se-mettent-au-paiement-sans-contact-502462.html">"Les transports en commun niçois se mettent au paiement sans contact"</a> (in French). 01net.com. 24 May 2009. <a rel="nofollow" class="external text" href="https://web.archive.org/web/20200629125050/https://www.01net.com/actualites/les-transports-en-commun-nicois-se-mettent-au-paiement-sans-contact-502462.html">Archived</a> from the original on 29 June 2020<span class="reference-accessdate">. Retrieved <span class="nowrap">27 June</span> 2020</span>.</cite><span title="ctx_ver=Z39.88-2004&rft_val_fmt=info%3Aofi%2Ffmt%3Akev%3Amtx%3Abook&rft.genre=unknown&rft.btitle=Les+transports+en+commun+ni%C3%A7ois+se+mettent+au+paiement+sans+contact&rft.pub=01net.com&rft.date=2009-05-24&rft_id=https%3A%2F%2Fwww.01net.com%2Factualites%2Fles-transports-en-commun-nicois-se-mettent-au-paiement-sans-contact-502462.html&rfr_id=info%3Asid%2Fen.wikipedia.org%3AMobile+payment" class="Z3988"></span></span> </li> <li id="cite_note-37"><span class="mw-cite-backlink"><b><a href="#cite_ref-37">^</a></b></span> <span class="reference-text"><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1238218222"><cite class="citation web cs1 cs1-prop-foreign-lang-source"><a rel="nofollow" class="external text" href="https://www.01net.com/actualites/les-transports-rennais-payes-par-mobile-sans-contact-363993.html">"Les transports rennais payés par mobile 'sans contact'<span class="cs1-kern-right"></span>"</a> (in French). 01net.com. 7 November 2007. <a rel="nofollow" class="external text" href="https://web.archive.org/web/20200629075443/https://www.01net.com/actualites/les-transports-rennais-payes-par-mobile-sans-contact-363993.html">Archived</a> from the original on 29 June 2020<span class="reference-accessdate">. Retrieved <span class="nowrap">28 June</span> 2020</span>.</cite><span title="ctx_ver=Z39.88-2004&rft_val_fmt=info%3Aofi%2Ffmt%3Akev%3Amtx%3Abook&rft.genre=unknown&rft.btitle=Les+transports+rennais+pay%C3%A9s+par+mobile+%27sans+contact%27&rft.pub=01net.com&rft.date=2007-11-07&rft_id=https%3A%2F%2Fwww.01net.com%2Factualites%2Fles-transports-rennais-payes-par-mobile-sans-contact-363993.html&rfr_id=info%3Asid%2Fen.wikipedia.org%3AMobile+payment" class="Z3988"></span></span> </li> <li id="cite_note-tests-38"><span class="mw-cite-backlink">^ <a href="#cite_ref-tests_38-0"><sup><i><b>a</b></i></sup></a> <a href="#cite_ref-tests_38-1"><sup><i><b>b</b></i></sup></a></span> <span class="reference-text"><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1238218222"><cite class="citation web cs1 cs1-prop-foreign-lang-source"><a rel="nofollow" class="external text" href="https://www.banquedesterritoires.fr/la-revolution-mobile-sans-contact-arrive-en-2008">"Télécoms - La révolution mobile sans contact arrive en 2008"</a> (in French). banquedesterritoires.fr. 21 December 2007. <a rel="nofollow" class="external text" href="https://web.archive.org/web/20200630023310/https://www.banquedesterritoires.fr/la-revolution-mobile-sans-contact-arrive-en-2008">Archived</a> from the original on 30 June 2020<span class="reference-accessdate">. Retrieved <span class="nowrap">27 June</span> 2020</span>.</cite><span title="ctx_ver=Z39.88-2004&rft_val_fmt=info%3Aofi%2Ffmt%3Akev%3Amtx%3Abook&rft.genre=unknown&rft.btitle=T%C3%A9l%C3%A9coms+-+La+r%C3%A9volution+mobile+sans+contact+arrive+en+2008&rft.pub=banquedesterritoires.fr&rft.date=2007-12-21&rft_id=https%3A%2F%2Fwww.banquedesterritoires.fr%2Fla-revolution-mobile-sans-contact-arrive-en-2008&rfr_id=info%3Asid%2Fen.wikipedia.org%3AMobile+payment" class="Z3988"></span></span> </li> <li id="cite_note-39"><span class="mw-cite-backlink"><b><a href="#cite_ref-39">^</a></b></span> <span class="reference-text"><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1238218222"><cite class="citation web cs1 cs1-prop-foreign-lang-source"><a rel="nofollow" class="external text" href="https://www.01net.com/actualites/nice-premiere-ville-a-passer-au-paiement-sans-contact-516923.html">"Nice, première ville à passer au paiement sans contact"</a> (in French). 01net.com. 21 May 2010. <a rel="nofollow" class="external text" href="https://web.archive.org/web/20200728200804/https://www.01net.com/actualites/nice-premiere-ville-a-passer-au-paiement-sans-contact-516923.html">Archived</a> from the original on 28 July 2020<span class="reference-accessdate">. Retrieved <span class="nowrap">26 June</span> 2020</span>.</cite><span title="ctx_ver=Z39.88-2004&rft_val_fmt=info%3Aofi%2Ffmt%3Akev%3Amtx%3Abook&rft.genre=unknown&rft.btitle=Nice%2C+premi%C3%A8re+ville+%C3%A0+passer+au+paiement+sans+contact&rft.pub=01net.com&rft.date=2010-05-21&rft_id=https%3A%2F%2Fwww.01net.com%2Factualites%2Fnice-premiere-ville-a-passer-au-paiement-sans-contact-516923.html&rfr_id=info%3Asid%2Fen.wikipedia.org%3AMobile+payment" class="Z3988"></span></span> </li> <li id="cite_note-40"><span class="mw-cite-backlink"><b><a href="#cite_ref-40">^</a></b></span> <span class="reference-text"><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1238218222"><cite class="citation web cs1 cs1-prop-foreign-lang-source"><a rel="nofollow" class="external text" href="https://www.01net.com/actualites/a-caen-avec-un-mobile-sans-contact-on-valide-dans-les-bus-et-trams-597907.html">"A Caen, avec un mobile sans contact, on valide dans les bus et trams"</a> (in French). 01net.com. 18 June 2013. <a rel="nofollow" class="external text" href="https://web.archive.org/web/20200629012154/https://www.01net.com/actualites/a-caen-avec-un-mobile-sans-contact-on-valide-dans-les-bus-et-trams-597907.html">Archived</a> from the original on 29 June 2020<span class="reference-accessdate">. Retrieved <span class="nowrap">27 June</span> 2020</span>.</cite><span title="ctx_ver=Z39.88-2004&rft_val_fmt=info%3Aofi%2Ffmt%3Akev%3Amtx%3Abook&rft.genre=unknown&rft.btitle=A+Caen%2C+avec+un+mobile+sans+contact%2C+on+valide+dans+les+bus+et+trams&rft.pub=01net.com&rft.date=2013-06-18&rft_id=https%3A%2F%2Fwww.01net.com%2Factualites%2Fa-caen-avec-un-mobile-sans-contact-on-valide-dans-les-bus-et-trams-597907.html&rfr_id=info%3Asid%2Fen.wikipedia.org%3AMobile+payment" class="Z3988"></span></span> </li> <li id="cite_note-41"><span class="mw-cite-backlink"><b><a href="#cite_ref-41">^</a></b></span> <span class="reference-text"><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1238218222"><cite class="citation web cs1"><a rel="nofollow" class="external text" href="https://www.nfcw.com/2013/06/18/324659/nfc-transit-ticketing-service-goes-live-in-french-city-of-caen/">"NFC transit ticketing service goes live in French city of Caen"</a>. nfcw.com. 18 June 2013. <a rel="nofollow" class="external text" href="https://web.archive.org/web/20200814101922/https://www.nfcw.com/2013/06/18/324659/nfc-transit-ticketing-service-goes-live-in-french-city-of-caen/">Archived</a> from the original on 14 August 2020<span class="reference-accessdate">. Retrieved <span class="nowrap">3 August</span> 2020</span>.</cite><span title="ctx_ver=Z39.88-2004&rft_val_fmt=info%3Aofi%2Ffmt%3Akev%3Amtx%3Abook&rft.genre=unknown&rft.btitle=NFC+transit+ticketing+service+goes+live+in+French+city+of+Caen&rft.pub=nfcw.com&rft.date=2013-06-18&rft_id=https%3A%2F%2Fwww.nfcw.com%2F2013%2F06%2F18%2F324659%2Fnfc-transit-ticketing-service-goes-live-in-french-city-of-caen%2F&rfr_id=info%3Asid%2Fen.wikipedia.org%3AMobile+payment" class="Z3988"></span></span> </li> <li id="cite_note-42"><span class="mw-cite-backlink"><b><a href="#cite_ref-42">^</a></b></span> <span class="reference-text"><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1238218222"><cite class="citation web cs1 cs1-prop-foreign-lang-source"><a rel="nofollow" class="external text" href="https://www.01net.com/actualites/a-strasbourg-on-voyage-en-bus-et-en-tram-grace-a-un-mobile-sans-contact-598603.html">"A Strasbourg, on voyage en bus et en tram grâce à un mobile sans contact"</a> (in French). 01net.com. 27 June 2013. <a rel="nofollow" class="external text" href="https://web.archive.org/web/20200626032936/https://www.01net.com/actualites/a-strasbourg-on-voyage-en-bus-et-en-tram-grace-a-un-mobile-sans-contact-598603.html">Archived</a> from the original on 26 June 2020<span class="reference-accessdate">. Retrieved <span class="nowrap">27 June</span> 2020</span>.</cite><span title="ctx_ver=Z39.88-2004&rft_val_fmt=info%3Aofi%2Ffmt%3Akev%3Amtx%3Abook&rft.genre=unknown&rft.btitle=A+Strasbourg%2C+on+voyage+en+bus+et+en+tram+gr%C3%A2ce+%C3%A0+un+mobile+sans+contact&rft.pub=01net.com&rft.date=2013-06-27&rft_id=https%3A%2F%2Fwww.01net.com%2Factualites%2Fa-strasbourg-on-voyage-en-bus-et-en-tram-grace-a-un-mobile-sans-contact-598603.html&rfr_id=info%3Asid%2Fen.wikipedia.org%3AMobile+payment" class="Z3988"></span></span> </li> <li id="cite_note-43"><span class="mw-cite-backlink"><b><a href="#cite_ref-43">^</a></b></span> <span class="reference-text"><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1238218222"><cite class="citation web cs1"><a rel="nofollow" class="external text" href="https://www.nfcw.com/2013/07/05/324901/strasbourg-nfc-ticketing-moves-to-commercial-launch/">"Strasbourg NFC ticketing moves to commercial launch"</a>. nfcw.com. 5 July 2013. <a rel="nofollow" class="external text" href="https://web.archive.org/web/20210224143539/https://www.nfcw.com/2013/07/05/324901/strasbourg-nfc-ticketing-moves-to-commercial-launch/">Archived</a> from the original on 24 February 2021<span class="reference-accessdate">. Retrieved <span class="nowrap">3 August</span> 2020</span>.</cite><span title="ctx_ver=Z39.88-2004&rft_val_fmt=info%3Aofi%2Ffmt%3Akev%3Amtx%3Abook&rft.genre=unknown&rft.btitle=Strasbourg+NFC+ticketing+moves+to+commercial+launch&rft.pub=nfcw.com&rft.date=2013-07-05&rft_id=https%3A%2F%2Fwww.nfcw.com%2F2013%2F07%2F05%2F324901%2Fstrasbourg-nfc-ticketing-moves-to-commercial-launch%2F&rfr_id=info%3Asid%2Fen.wikipedia.org%3AMobile+payment" class="Z3988"></span></span> </li> <li id="cite_note-44"><span class="mw-cite-backlink"><b><a href="#cite_ref-44">^</a></b></span> <span class="reference-text"><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1238218222"><cite class="citation web cs1 cs1-prop-foreign-lang-source"><a rel="nofollow" class="external text" href="https://twitter.com/Frandroid/status/1115265584210567170">"Ça y est, certains smartphones Samsung peuvent servir de titres de transport en Île-de-France !"</a> (in French). Twitter. 8 April 2019. <a rel="nofollow" class="external text" href="https://web.archive.org/web/20200906193710/https://twitter.com/Frandroid/status/1115265584210567170">Archived</a> from the original on 6 September 2020<span class="reference-accessdate">. Retrieved <span class="nowrap">26 June</span> 2020</span>.</cite><span title="ctx_ver=Z39.88-2004&rft_val_fmt=info%3Aofi%2Ffmt%3Akev%3Amtx%3Abook&rft.genre=unknown&rft.btitle=%C3%87a+y+est%2C+certains+smartphones+Samsung+peuvent+servir+de+titres+de+transport+en+%C3%8Ele-de-France+%21&rft.pub=Twitter&rft.date=2019-04-08&rft_id=https%3A%2F%2Ftwitter.com%2FFrandroid%2Fstatus%2F1115265584210567170&rfr_id=info%3Asid%2Fen.wikipedia.org%3AMobile+payment" class="Z3988"></span></span> </li> <li id="cite_note-45"><span class="mw-cite-backlink"><b><a href="#cite_ref-45">^</a></b></span> <span class="reference-text">Archived at <a rel="nofollow" class="external text" href="https://ghostarchive.org/varchive/youtube/20211211/O4q8aCps0kQ">Ghostarchive</a> and the <a rel="nofollow" class="external text" href="https://web.archive.org/web/20200731164419/https://www.youtube.com/watch?v=O4q8aCps0kQ">Wayback Machine</a>: <link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1238218222"><cite class="citation web cs1 cs1-prop-foreign-lang-source"><a rel="nofollow" class="external text" href="https://www.youtube.com/watch?v=O4q8aCps0kQ">"Le dernier (ticket de) métro, at 2:10 and 2:38"</a> (in French). YouTube. 24 September 2018<span class="reference-accessdate">. Retrieved <span class="nowrap">21 June</span> 2020</span>.</cite><span title="ctx_ver=Z39.88-2004&rft_val_fmt=info%3Aofi%2Ffmt%3Akev%3Amtx%3Abook&rft.genre=unknown&rft.btitle=Le+dernier+%28ticket+de%29+m%C3%A9tro%2C+at+2%3A10+and+2%3A38&rft.pub=YouTube&rft.date=2018-09-24&rft_id=https%3A%2F%2Fwww.youtube.com%2Fwatch%3Fv%3DO4q8aCps0kQ&rfr_id=info%3Asid%2Fen.wikipedia.org%3AMobile+payment" class="Z3988"></span></span> </li> <li id="cite_note-46"><span class="mw-cite-backlink"><b><a href="#cite_ref-46">^</a></b></span> <span class="reference-text"><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1238218222"><cite class="citation web cs1 cs1-prop-foreign-lang-source"><a rel="nofollow" class="external text" href="https://www.ratp.fr/en/achetez-vos-titres-de-transports-par-telephone">"Et si vous achetiez vos titres de transport depuis votre appli RATP ?"</a> (in French). RATP. 12 November 2019. <a rel="nofollow" class="external text" href="https://web.archive.org/web/20200628172545/https://www.ratp.fr/en/achetez-vos-titres-de-transports-par-telephone">Archived</a> from the original on 28 June 2020<span class="reference-accessdate">. Retrieved <span class="nowrap">28 June</span> 2020</span>.</cite><span title="ctx_ver=Z39.88-2004&rft_val_fmt=info%3Aofi%2Ffmt%3Akev%3Amtx%3Abook&rft.genre=unknown&rft.btitle=Et+si+vous+achetiez+vos+titres+de+transport+depuis+votre+appli+RATP+%3F&rft.pub=RATP&rft.date=2019-11-12&rft_id=https%3A%2F%2Fwww.ratp.fr%2Fen%2Fachetez-vos-titres-de-transports-par-telephone&rfr_id=info%3Asid%2Fen.wikipedia.org%3AMobile+payment" class="Z3988"></span></span> </li> <li id="cite_note-47"><span class="mw-cite-backlink"><b><a href="#cite_ref-47">^</a></b></span> <span class="reference-text"><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1238218222"><cite class="citation web cs1"><a rel="nofollow" class="external text" href="http://www.nearfieldcommunicationsworld.com/2010/10/15/34696/israel-bank-launch-nfc-mobile-barcode-payments/">"Digimo Group NFC Dual two phase commit"</a>. Nearfieldcommunicationsworld.com. 15 October 2010. <a rel="nofollow" class="external text" href="https://web.archive.org/web/20110809144531/http://www.nearfieldcommunicationsworld.com/2010/10/15/34696/israel-bank-launch-nfc-mobile-barcode-payments/">Archived</a> from the original on 9 August 2011<span class="reference-accessdate">. Retrieved <span class="nowrap">19 September</span> 2011</span>.</cite><span title="ctx_ver=Z39.88-2004&rft_val_fmt=info%3Aofi%2Ffmt%3Akev%3Amtx%3Abook&rft.genre=unknown&rft.btitle=Digimo+Group+NFC+Dual+two+phase+commit&rft.pub=Nearfieldcommunicationsworld.com&rft.date=2010-10-15&rft_id=http%3A%2F%2Fwww.nearfieldcommunicationsworld.com%2F2010%2F10%2F15%2F34696%2Fisrael-bank-launch-nfc-mobile-barcode-payments%2F&rfr_id=info%3Asid%2Fen.wikipedia.org%3AMobile+payment" class="Z3988"></span></span> </li> <li id="cite_note-48"><span class="mw-cite-backlink"><b><a href="#cite_ref-48">^</a></b></span> <span class="reference-text"><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1238218222"><cite class="citation web cs1"><a rel="nofollow" class="external text" href="http://www.qrcode.com/en/history/">"History of QR Code"</a>. qrcode.com. <a rel="nofollow" class="external text" href="https://web.archive.org/web/20151015022901/http://www.qrcode.com/en/history/">Archived</a> from the original on 15 October 2015<span class="reference-accessdate">. Retrieved <span class="nowrap">16 October</span> 2015</span>.</cite><span title="ctx_ver=Z39.88-2004&rft_val_fmt=info%3Aofi%2Ffmt%3Akev%3Amtx%3Abook&rft.genre=unknown&rft.btitle=History+of+QR+Code&rft.pub=qrcode.com&rft_id=http%3A%2F%2Fwww.qrcode.com%2Fen%2Fhistory%2F&rfr_id=info%3Asid%2Fen.wikipedia.org%3AMobile+payment" class="Z3988"></span></span> </li> <li id="cite_note-49"><span class="mw-cite-backlink"><b><a href="#cite_ref-49">^</a></b></span> <span class="reference-text"><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1238218222"><cite class="citation web cs1"><a rel="nofollow" class="external text" href="https://web.archive.org/web/20180809022017/http://www.infrasofttech.com/payment-solutions/QRys">"QR Code Mobile Payment System |Qrys | QR Code Payment – InfrasoftTech"</a>. <i>www.infrasofttech.com</i>. Archived from <a rel="nofollow" class="external text" href="http://www.infrasofttech.com/payment-solutions/QRys">the original</a> on 9 August 2018<span class="reference-accessdate">. Retrieved <span class="nowrap">22 March</span> 2017</span>.</cite><span title="ctx_ver=Z39.88-2004&rft_val_fmt=info%3Aofi%2Ffmt%3Akev%3Amtx%3Ajournal&rft.genre=unknown&rft.jtitle=www.infrasofttech.com&rft.atitle=QR+Code+Mobile+Payment+System+%7CQrys+%7C+QR+Code+Payment+%E2%80%93+InfrasoftTech&rft_id=http%3A%2F%2Fwww.infrasofttech.com%2Fpayment-solutions%2FQRys&rfr_id=info%3Asid%2Fen.wikipedia.org%3AMobile+payment" class="Z3988"></span></span> </li> <li id="cite_note-50"><span class="mw-cite-backlink"><b><a href="#cite_ref-50">^</a></b></span> <span class="reference-text"><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1238218222"><cite id="CITEREFTerrence_O'Brien2012" class="citation web cs1">Terrence O'Brien (1 August 2012). <a rel="nofollow" class="external text" href="https://www.engadget.com/2012/08/01/google-wallet-moves-to-the-cloud-opens-up-to-all-credit-and-deb/">"Google Wallet moves to the cloud, opens up to all credit and debit cards"</a>. <a href="/wiki/Engadget" title="Engadget">Engadget</a>. <a rel="nofollow" class="external text" href="https://web.archive.org/web/20170315091051/https://www.engadget.com/2012/08/01/google-wallet-moves-to-the-cloud-opens-up-to-all-credit-and-deb/">Archived</a> from the original on 15 March 2017<span class="reference-accessdate">. Retrieved <span class="nowrap">5 November</span> 2012</span>.</cite><span title="ctx_ver=Z39.88-2004&rft_val_fmt=info%3Aofi%2Ffmt%3Akev%3Amtx%3Abook&rft.genre=unknown&rft.btitle=Google+Wallet+moves+to+the+cloud%2C+opens+up+to+all+credit+and+debit+cards&rft.pub=Engadget&rft.date=2012-08-01&rft.au=Terrence+O%27Brien&rft_id=https%3A%2F%2Fwww.engadget.com%2F2012%2F08%2F01%2Fgoogle-wallet-moves-to-the-cloud-opens-up-to-all-credit-and-deb%2F&rfr_id=info%3Asid%2Fen.wikipedia.org%3AMobile+payment" class="Z3988"></span></span> </li> <li id="cite_note-51"><span class="mw-cite-backlink"><b><a href="#cite_ref-51">^</a></b></span> <span class="reference-text"><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1238218222"><cite class="citation web cs1"><a rel="nofollow" class="external text" href="https://web.archive.org/web/20121115103255/http://proteanpayment.org/?p=451">"Google has a Card up its Sleeve"</a>. 5 November 2012. Archived from <a rel="nofollow" class="external text" href="http://proteanpayment.org/?p=451">the original</a> on 15 November 2012<span class="reference-accessdate">. Retrieved <span class="nowrap">5 November</span> 2012</span>.</cite><span title="ctx_ver=Z39.88-2004&rft_val_fmt=info%3Aofi%2Ffmt%3Akev%3Amtx%3Abook&rft.genre=unknown&rft.btitle=Google+has+a+Card+up+its+Sleeve&rft.date=2012-11-05&rft_id=http%3A%2F%2Fproteanpayment.org%2F%3Fp%3D451&rfr_id=info%3Asid%2Fen.wikipedia.org%3AMobile+payment" class="Z3988"></span></span> </li> <li id="cite_note-52"><span class="mw-cite-backlink"><b><a href="#cite_ref-52">^</a></b></span> <span class="reference-text"><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1238218222"><cite id="CITEREFKim" class="citation web cs1">Kim, Ryan. <a rel="nofollow" class="external text" href="https://web.archive.org/web/20210423111153/https://gigaom.com/2012/04/03/gopagos-line-skipping-mobile-payment-system-launches-in-san-francisco/">"GoPago's line-skipping mobile payment system launches in San Francisco"</a>. Gigaom. Archived from <a rel="nofollow" class="external text" href="http://gigaom.com/2012/04/03/gopagos-line-skipping-mobile-payment-system-launches-in-san-francisco/">the original</a> on 23 April 2021<span class="reference-accessdate">. Retrieved <span class="nowrap">9 November</span> 2012</span>.</cite><span title="ctx_ver=Z39.88-2004&rft_val_fmt=info%3Aofi%2Ffmt%3Akev%3Amtx%3Abook&rft.genre=unknown&rft.btitle=GoPago%27s+line-skipping+mobile+payment+system+launches+in+San+Francisco&rft.pub=Gigaom&rft.aulast=Kim&rft.aufirst=Ryan&rft_id=http%3A%2F%2Fgigaom.com%2F2012%2F04%2F03%2Fgopagos-line-skipping-mobile-payment-system-launches-in-san-francisco%2F&rfr_id=info%3Asid%2Fen.wikipedia.org%3AMobile+payment" class="Z3988"></span></span> </li> <li id="cite_note-53"><span class="mw-cite-backlink"><b><a href="#cite_ref-53">^</a></b></span> <span class="reference-text"><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1238218222"><cite class="citation web cs1"><a rel="nofollow" class="external text" href="https://web.archive.org/web/20120325225522/http://nilsonreport.com/issues/2011/985.htm">"Audio Signal Mobile Payments and Loyalty"</a>. nilsonreport.com. December 2011. Archived from <a rel="nofollow" class="external text" href="http://nilsonreport.com/issues/2011/985.htm">the original</a> on 25 March 2012<span class="reference-accessdate">. Retrieved <span class="nowrap">9 July</span> 2012</span>.</cite><span title="ctx_ver=Z39.88-2004&rft_val_fmt=info%3Aofi%2Ffmt%3Akev%3Amtx%3Abook&rft.genre=unknown&rft.btitle=Audio+Signal+Mobile+Payments+and+Loyalty&rft.pub=nilsonreport.com&rft.date=2011-12&rft_id=http%3A%2F%2Fnilsonreport.com%2Fissues%2F2011%2F985.htm&rfr_id=info%3Asid%2Fen.wikipedia.org%3AMobile+payment" class="Z3988"></span></span> </li> <li id="cite_note-54"><span class="mw-cite-backlink"><b><a href="#cite_ref-54">^</a></b></span> <span class="reference-text"><a rel="nofollow" class="external text" href="http://www.voilafoundation.com/t-cash.htm">T-Cash</a> from VoilàFoundation.com <a rel="nofollow" class="external text" href="https://web.archive.org/web/20110226032146/http://www.voilafoundation.com/t-cash.htm">Archived</a> February 26, 2011, at the <a href="/wiki/Wayback_Machine" title="Wayback Machine">Wayback Machine</a></span> </li> <li id="cite_note-55"><span class="mw-cite-backlink"><b><a href="#cite_ref-55">^</a></b></span> <span class="reference-text"><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1238218222"><cite class="citation web cs1"><a rel="nofollow" class="external text" href="https://web.archive.org/web/20101208213630/http://www.mercycorps.org/koko%C3%A9visossouvi/blog/22345">"Testing out mobile money in Haiti"</a>. MercyCorps. 30 November 2010. Archived from <a rel="nofollow" class="external text" href="http://www.mercycorps.org/koko%C3%A9visossouvi/blog/22345">the original</a> on 8 December 2010<span class="reference-accessdate">. Retrieved <span class="nowrap">19 September</span> 2011</span>.</cite><span title="ctx_ver=Z39.88-2004&rft_val_fmt=info%3Aofi%2Ffmt%3Akev%3Amtx%3Abook&rft.genre=unknown&rft.btitle=Testing+out+mobile+money+in+Haiti&rft.pub=MercyCorps&rft.date=2010-11-30&rft_id=http%3A%2F%2Fwww.mercycorps.org%2Fkoko%25C3%25A9visossouvi%2Fblog%2F22345&rfr_id=info%3Asid%2Fen.wikipedia.org%3AMobile+payment" class="Z3988"></span></span> </li> <li id="cite_note-56"><span class="mw-cite-backlink"><b><a href="#cite_ref-56">^</a></b></span> <span class="reference-text"><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1238218222"><cite class="citation web cs1"><a rel="nofollow" class="external text" href="http://indiamicrofinance.com/wp-content/uploads/2012/10/Commercial-Launch-Of-Haitis-First-Mobile-Money-Service.pdf">"Commercial Launch Of Haiti's First Mobile Money Service"</a> <span class="cs1-format">(PDF)</span>. <i>indiamicrofinance.com</i>. <a rel="nofollow" class="external text" href="https://web.archive.org/web/20170118043744/http://indiamicrofinance.com/wp-content/uploads/2012/10/Commercial-Launch-Of-Haitis-First-Mobile-Money-Service.pdf">Archived</a> <span class="cs1-format">(PDF)</span> from the original on 18 January 2017<span class="reference-accessdate">. Retrieved <span class="nowrap">12 January</span> 2017</span>.</cite><span title="ctx_ver=Z39.88-2004&rft_val_fmt=info%3Aofi%2Ffmt%3Akev%3Amtx%3Ajournal&rft.genre=unknown&rft.jtitle=indiamicrofinance.com&rft.atitle=Commercial+Launch+Of+Haiti%27s+First+Mobile+Money+Service&rft_id=http%3A%2F%2Findiamicrofinance.com%2Fwp-content%2Fuploads%2F2012%2F10%2FCommercial-Launch-Of-Haitis-First-Mobile-Money-Service.pdf&rfr_id=info%3Asid%2Fen.wikipedia.org%3AMobile+payment" class="Z3988"></span></span> </li> <li id="cite_note-57"><span class="mw-cite-backlink"><b><a href="#cite_ref-57">^</a></b></span> <span class="reference-text"><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1238218222"><cite class="citation web cs1"><a rel="nofollow" class="external text" href="https://www.twint.ch/en/private-customers/functions/">"Website of Twint"</a>. <a rel="nofollow" class="external text" href="https://web.archive.org/web/20230417134019/https://www.twint.ch/en/private-customers/functions/">Archived</a> from the original on 17 April 2023<span class="reference-accessdate">. Retrieved <span class="nowrap">17 April</span> 2023</span>.</cite><span title="ctx_ver=Z39.88-2004&rft_val_fmt=info%3Aofi%2Ffmt%3Akev%3Amtx%3Abook&rft.genre=unknown&rft.btitle=Website+of+Twint&rft_id=https%3A%2F%2Fwww.twint.ch%2Fen%2Fprivate-customers%2Ffunctions%2F&rfr_id=info%3Asid%2Fen.wikipedia.org%3AMobile+payment" class="Z3988"></span></span> </li> <li id="cite_note-58"><span class="mw-cite-backlink"><b><a href="#cite_ref-58">^</a></b></span> <span class="reference-text"><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1238218222"><cite class="citation web cs1"><a rel="nofollow" class="external text" href="https://web.archive.org/web/20190828222933/https://www.getswish.se/">"Swish"</a>. <i>Getswish.se</i>. Archived from <a rel="nofollow" class="external text" href="https://www.getswish.se/">the original</a> on 28 August 2019<span class="reference-accessdate">. Retrieved <span class="nowrap">7 January</span> 2017</span>.</cite><span title="ctx_ver=Z39.88-2004&rft_val_fmt=info%3Aofi%2Ffmt%3Akev%3Amtx%3Ajournal&rft.genre=unknown&rft.jtitle=Getswish.se&rft.atitle=Swish&rft_id=https%3A%2F%2Fwww.getswish.se%2F&rfr_id=info%3Asid%2Fen.wikipedia.org%3AMobile+payment" class="Z3988"></span></span> </li> <li id="cite_note-Sweden2017-59"><span class="mw-cite-backlink"><b><a href="#cite_ref-Sweden2017_59-0">^</a></b></span> <span class="reference-text"><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1238218222"><cite class="citation web cs1"><a rel="nofollow" class="external text" href="http://www.soi2017.se/the-swedes-and-the-internet-2017-summary/">"The Swedes and the Internet 2017 summary (See the Swedish version for correct statistics)"</a>. <a rel="nofollow" class="external text" href="https://web.archive.org/web/20180628170303/http://www.soi2017.se/the-swedes-and-the-internet-2017-summary/">Archived</a> from the original on 28 June 2018<span class="reference-accessdate">. Retrieved <span class="nowrap">2 June</span> 2018</span>.</cite><span title="ctx_ver=Z39.88-2004&rft_val_fmt=info%3Aofi%2Ffmt%3Akev%3Amtx%3Abook&rft.genre=unknown&rft.btitle=The+Swedes+and+the+Internet+2017+summary+%28See+the+Swedish+version+for+correct+statistics%29&rft_id=http%3A%2F%2Fwww.soi2017.se%2Fthe-swedes-and-the-internet-2017-summary%2F&rfr_id=info%3Asid%2Fen.wikipedia.org%3AMobile+payment" class="Z3988"></span></span> </li> <li id="cite_note-60"><span class="mw-cite-backlink"><b><a href="#cite_ref-60">^</a></b></span> <span class="reference-text"><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1238218222"><cite class="citation news cs1"><a rel="nofollow" class="external text" href="https://www.npci.org.in/product-statistics/upi-product-statistics">"UPI Product Statistics"</a>. <i>NPCI</i>. 31 March 2017. <a rel="nofollow" class="external text" href="https://web.archive.org/web/20181116131710/https://www.npci.org.in/product-statistics/upi-product-statistics">Archived</a> from the original on 16 November 2018<span class="reference-accessdate">. Retrieved <span class="nowrap">16 November</span> 2018</span>.</cite><span title="ctx_ver=Z39.88-2004&rft_val_fmt=info%3Aofi%2Ffmt%3Akev%3Amtx%3Ajournal&rft.genre=article&rft.jtitle=NPCI&rft.atitle=UPI+Product+Statistics&rft.date=2017-03-31&rft_id=https%3A%2F%2Fwww.npci.org.in%2Fproduct-statistics%2Fupi-product-statistics&rfr_id=info%3Asid%2Fen.wikipedia.org%3AMobile+payment" class="Z3988"></span></span> </li> <li id="cite_note-61"><span class="mw-cite-backlink"><b><a href="#cite_ref-61">^</a></b></span> <span class="reference-text"><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1238218222"><cite class="citation news cs1"><a rel="nofollow" class="external text" href="https://finanteq.com/why-blik-is-so-popular-and-how-we-deployed-it-in-mobile-banking/">"Why BLIK is so popular and how we deployed it in mobile banking?"</a>. <i>Finanteq</i>. 31 January 2020. <a rel="nofollow" class="external text" href="https://web.archive.org/web/20210109135904/https://finanteq.com/why-blik-is-so-popular-and-how-we-deployed-it-in-mobile-banking/">Archived</a> from the original on 9 January 2021<span class="reference-accessdate">. Retrieved <span class="nowrap">25 March</span> 2021</span>.</cite><span title="ctx_ver=Z39.88-2004&rft_val_fmt=info%3Aofi%2Ffmt%3Akev%3Amtx%3Ajournal&rft.genre=article&rft.jtitle=Finanteq&rft.atitle=Why+BLIK+is+so+popular+and+how+we+deployed+it+in+mobile+banking%3F&rft.date=2020-01-31&rft_id=https%3A%2F%2Ffinanteq.com%2Fwhy-blik-is-so-popular-and-how-we-deployed-it-in-mobile-banking%2F&rfr_id=info%3Asid%2Fen.wikipedia.org%3AMobile+payment" class="Z3988"></span></span> </li> </ol></div> <div class="navbox-styles"><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1129693374"><style data-mw-deduplicate="TemplateStyles:r1236075235">.mw-parser-output .navbox{box-sizing:border-box;border:1px solid #a2a9b1;width:100%;clear:both;font-size:88%;text-align:center;padding:1px;margin:1em auto 0}.mw-parser-output .navbox .navbox{margin-top:0}.mw-parser-output .navbox+.navbox,.mw-parser-output .navbox+.navbox-styles+.navbox{margin-top:-1px}.mw-parser-output .navbox-inner,.mw-parser-output .navbox-subgroup{width:100%}.mw-parser-output .navbox-group,.mw-parser-output .navbox-title,.mw-parser-output .navbox-abovebelow{padding:0.25em 1em;line-height:1.5em;text-align:center}.mw-parser-output .navbox-group{white-space:nowrap;text-align:right}.mw-parser-output .navbox,.mw-parser-output .navbox-subgroup{background-color:#fdfdfd}.mw-parser-output .navbox-list{line-height:1.5em;border-color:#fdfdfd}.mw-parser-output .navbox-list-with-group{text-align:left;border-left-width:2px;border-left-style:solid}.mw-parser-output tr+tr>.navbox-abovebelow,.mw-parser-output tr+tr>.navbox-group,.mw-parser-output tr+tr>.navbox-image,.mw-parser-output tr+tr>.navbox-list{border-top:2px solid #fdfdfd}.mw-parser-output .navbox-title{background-color:#ccf}.mw-parser-output .navbox-abovebelow,.mw-parser-output .navbox-group,.mw-parser-output .navbox-subgroup .navbox-title{background-color:#ddf}.mw-parser-output .navbox-subgroup .navbox-group,.mw-parser-output .navbox-subgroup .navbox-abovebelow{background-color:#e6e6ff}.mw-parser-output .navbox-even{background-color:#f7f7f7}.mw-parser-output .navbox-odd{background-color:transparent}.mw-parser-output .navbox .hlist td dl,.mw-parser-output .navbox .hlist td ol,.mw-parser-output .navbox .hlist td ul,.mw-parser-output .navbox td.hlist dl,.mw-parser-output .navbox td.hlist ol,.mw-parser-output .navbox td.hlist ul{padding:0.125em 0}.mw-parser-output .navbox .navbar{display:block;font-size:100%}.mw-parser-output .navbox-title .navbar{float:left;text-align:left;margin-right:0.5em}body.skin--responsive .mw-parser-output .navbox-image img{max-width:none!important}@media print{body.ns-0 .mw-parser-output .navbox{display:none!important}}</style></div><div role="navigation" class="navbox" aria-labelledby="Mobile_phones" style="padding:3px"><table class="nowraplinks hlist mw-collapsible autocollapse navbox-inner" style="border-spacing:0;background:transparent;color:inherit"><tbody><tr><th scope="col" class="navbox-title" colspan="2"><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1129693374"><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1239400231"><div class="navbar plainlinks hlist navbar-mini"><ul><li class="nv-view"><a href="/wiki/Template:Mobile_phones" title="Template:Mobile phones"><abbr title="View this template">v</abbr></a></li><li class="nv-talk"><a href="/wiki/Template_talk:Mobile_phones" title="Template talk:Mobile phones"><abbr title="Discuss this template">t</abbr></a></li><li class="nv-edit"><a href="/wiki/Special:EditPage/Template:Mobile_phones" title="Special:EditPage/Template:Mobile phones"><abbr title="Edit this template">e</abbr></a></li></ul></div><div id="Mobile_phones" style="font-size:114%;margin:0 4em"><a href="/wiki/Mobile_phone" title="Mobile phone">Mobile phones</a></div></th></tr><tr><th scope="row" class="navbox-group" style="width:1%"><a href="/wiki/Cellular_network" title="Cellular network">Mobile<br />networks</a>,<br />protocols</th><td class="navbox-list-with-group navbox-list navbox-odd" style="width:100%;padding:0"><div style="padding:0 0.25em"></div><table class="nowraplinks navbox-subgroup" style="border-spacing:0"><tbody><tr><td colspan="2" class="navbox-list navbox-odd" style="width:100%;padding:0"><div style="padding:0 0.25em"> <ul><li><a href="/wiki/Channel_capacity" title="Channel capacity">Channel capacity</a></li> <li><a href="/wiki/Cellular_frequencies" title="Cellular frequencies">Frequencies</a></li> <li><a href="/wiki/Multi-band_device" title="Multi-band device">Multi-band</a></li> <li><a href="/wiki/Mobile_phone_operator" title="Mobile phone operator">Network operator</a> <ul><li><a href="/wiki/List_of_mobile_network_operators" title="List of mobile network operators">list</a></li></ul></li> <li><a href="/wiki/Roaming" title="Roaming">Roaming</a></li> <li><a href="/wiki/Mobile_phone_signal" title="Mobile phone signal">Signal</a></li> <li><a href="/wiki/SIM_card" title="SIM card">SIM card</a> <ul><li><a href="/wiki/Dual_SIM" title="Dual SIM">dual SIM</a></li> <li><a href="/wiki/ESIM" title="ESIM">eSIM</a></li> <li><a href="/wiki/SIM_lock" title="SIM lock">SIM lock</a></li></ul></li> <li><a href="/wiki/Comparison_of_mobile_phone_standards" title="Comparison of mobile phone standards">Standards comparison</a></li> <li><a href="/wiki/Tethering" title="Tethering">Tethering</a></li> <li><a href="/wiki/Mobile_VoIP" title="Mobile VoIP">VoIP</a></li> <li><a href="/wiki/Wireless_Application_Protocol" title="Wireless Application Protocol">WAP</a></li> <li><a href="/wiki/XHTML_Mobile_Profile" title="XHTML Mobile Profile">XHTML-MP</a></li></ul> </div></td></tr><tr><th scope="row" class="navbox-group" style="width:1%"><a href="/wiki/List_of_mobile_phone_generations" class="mw-redirect" title="List of mobile phone generations">Generations</a></th><td class="navbox-list-with-group navbox-list navbox-even" style="width:100%;padding:0"><div style="padding:0 0.25em"> <ul><li><b>Analogue</b>:</li> <li><a href="/wiki/Mobile_radio_telephone" title="Mobile radio telephone">0G</a></li> <li><a href="/wiki/1G" title="1G">1G</a></li> <li><b>Digital</b>:</li> <li><a href="/wiki/2G" title="2G">2G</a></li> <li><a href="/wiki/3G" title="3G">3G</a> <ul><li><a href="/wiki/3G_adoption" title="3G adoption">adoption</a></li></ul></li> <li><a href="/wiki/High_Speed_Packet_Access" title="High Speed Packet Access">3.5G</a></li> <li><a href="/wiki/4G" title="4G">4G</a></li> <li><a href="/wiki/LTE_Advanced_Pro" class="mw-redirect" title="LTE Advanced Pro">4.5G</a></li> <li><a href="/wiki/5G" title="5G">5G</a></li> <li><a href="/wiki/6G" title="6G">6G</a></li></ul> </div></td></tr></tbody></table><div></div></td></tr><tr><th scope="row" class="navbox-group" style="width:1%">General<br />operation</th><td class="navbox-list-with-group navbox-list navbox-odd" style="width:100%;padding:0"><div style="padding:0 0.25em"> <ul><li><a href="/wiki/Mobile_phone_feature" title="Mobile phone feature">Features</a></li> <li><a href="/wiki/GSM" title="GSM">GSM</a> <ul><li><a href="/wiki/GSM_services" title="GSM services">services</a></li></ul></li> <li><a href="/wiki/History_of_mobile_phones" title="History of mobile phones">History</a></li> <li><a href="/wiki/Mobile_operating_system" title="Mobile operating system">Operating system</a></li> <li><a href="/wiki/Mobile_security" title="Mobile security">Security</a> <ul><li><a href="/wiki/Phone_cloning" title="Phone cloning">phone cloning</a></li></ul></li> <li><a href="/wiki/Mobile_telephony" title="Mobile telephony">Telephony</a> <ul><li><a href="/wiki/Airplane_mode" title="Airplane mode">airplane mode</a></li></ul></li> <li><a href="/wiki/Text_messaging" title="Text messaging">Text messaging</a> <ul><li><a href="/wiki/Short_Message_Service" class="mw-redirect" title="Short Message Service">SMS</a></li> <li><a href="/wiki/Multimedia_Messaging_Service" title="Multimedia Messaging Service">MMS</a></li> <li><a href="/wiki/Rich_Communication_Services" title="Rich Communication Services">RCS</a></li></ul></li> <li><a href="/wiki/Mobile_phone_spam" title="Mobile phone spam">Spam</a></li> <li><a href="/wiki/Mobile_phone_tracking" title="Mobile phone tracking">Tracking</a></li> <li><a href="/wiki/Mobile_web" title="Mobile web">Web browsing</a></li></ul> </div></td></tr><tr><th scope="row" class="navbox-group" style="width:1%"><a href="/wiki/Mobile_device" title="Mobile device">Mobile<br />devices</a></th><td class="navbox-list-with-group navbox-list navbox-odd" style="width:100%;padding:0"><div style="padding:0 0.25em"></div><table class="nowraplinks navbox-subgroup" style="border-spacing:0"><tbody><tr><td colspan="2" class="navbox-list navbox-even" style="width:100%;padding:0"><div style="padding:0 0.25em"> <ul><li><b><a href="/wiki/Category:Mobile_phone_manufacturers" title="Category:Mobile phone manufacturers">Manufacturers</a></b></li> <li><a href="/wiki/List_of_3D-enabled_mobile_phones" title="List of 3D-enabled mobile phones">3D phone</a></li> <li><a href="/wiki/Camera_phone" title="Camera phone">Camera phone</a></li> <li><a href="/wiki/Car_phone" title="Car phone">Car phone</a></li> <li><a href="/wiki/Feature_phone" title="Feature phone">Feature phone</a></li> <li><a href="/wiki/Projector_phone" title="Projector phone">Projector phone</a></li> <li><a href="/wiki/Satellite_phone" title="Satellite phone">Satellite phone</a></li> <li><a href="/wiki/Smartphone" title="Smartphone">Smartphone</a></li></ul> </div></td></tr><tr><th scope="row" class="navbox-group" style="width:1%"><a href="/wiki/Form_factor_(mobile_phones)" title="Form factor (mobile phones)">Form factors</a></th><td class="navbox-list-with-group navbox-list navbox-odd" style="width:100%;padding:0"><div style="padding:0 0.25em"> <ul><li><a href="/wiki/Form_factor_(mobile_phones)#Bar" title="Form factor (mobile phones)">Bar</a></li> <li><a href="/wiki/Clamshell_design" title="Clamshell design">Flip</a></li> <li><a href="/wiki/Phablet" title="Phablet">Phablet</a></li> <li><a href="/wiki/Form_factor_(mobile_phones)#Slider" title="Form factor (mobile phones)">Slider</a></li> <li><a href="/wiki/Form_factor_(mobile_phones)#Slate" title="Form factor (mobile phones)">Slate</a></li> <li><a href="/wiki/Smartwatch" title="Smartwatch">Smartwatch</a></li> <li><a href="/wiki/Foldable_smartphone" title="Foldable smartphone">Fold</a></li></ul> </div></td></tr><tr><th scope="row" class="navbox-group" style="width:1%"><a href="/wiki/Comparison_of_smartphones" title="Comparison of smartphones">Smartphones</a></th><td class="navbox-list-with-group navbox-list navbox-even" style="width:100%;padding:0"><div style="padding:0 0.25em"> <ul><li><a href="/wiki/Android_(operating_system)" title="Android (operating system)">Android devices</a> <ul><li><a href="/wiki/Rooting_(Android)" title="Rooting (Android)">rooting</a></li></ul></li> <li><a href="/wiki/BlackBerry_10#Devices" title="BlackBerry 10">BlackBerry 10</a></li> <li><a href="/wiki/IPhone" title="IPhone">iPhone</a> <ul><li><a href="/wiki/IOS_jailbreaking" title="IOS jailbreaking">iOS jailbreaking</a></li></ul></li> <li><a href="/wiki/List_of_open-source_mobile_phones" title="List of open-source mobile phones">Open-source mobile phones</a></li> <li><a href="/wiki/Comparison_of_Symbian_devices" title="Comparison of Symbian devices">Symbian devices</a></li> <li><a href="/wiki/List_of_Windows_phones" title="List of Windows phones">Windows Phone devices</a></li></ul> </div></td></tr></tbody></table><div></div></td></tr><tr><th scope="row" class="navbox-group" style="width:1%">Mobile<br />specific<br /><a href="/wiki/Software" title="Software">software</a></th><td class="navbox-list-with-group navbox-list navbox-odd" style="width:100%;padding:0"><div style="padding:0 0.25em"></div><table class="nowraplinks navbox-subgroup" style="border-spacing:0"><tbody><tr><th scope="row" class="navbox-group" style="width:1%"><a href="/wiki/Mobile_app" title="Mobile app">Apps</a></th><td class="navbox-list-with-group navbox-list navbox-odd" style="width:100%;padding:0"><div style="padding:0 0.25em"> <ul><li><a href="/wiki/Mobile_app_development" title="Mobile app development">Development</a></li> <li><a href="/wiki/List_of_mobile_app_distribution_platforms" title="List of mobile app distribution platforms">Distribution</a></li> <li><a href="/wiki/Mobile_application_management" title="Mobile application management">Management</a></li> <li><a href="/wiki/Mobile_cloud_computing" title="Mobile cloud computing">Cloud computing</a></li></ul> </div></td></tr><tr><th scope="row" class="navbox-group" style="width:1%"><a href="/wiki/Mobile_commerce" title="Mobile commerce">Commerce</a></th><td class="navbox-list-with-group navbox-list navbox-even" style="width:100%;padding:0"><div style="padding:0 0.25em"> <ul><li><a href="/wiki/Mobile_banking" title="Mobile banking">Banking</a></li> <li><a href="/wiki/Mobile_marketing" title="Mobile marketing">Marketing</a> <ul><li><a href="/wiki/Mobile_advertising" title="Mobile advertising">advertising</a></li> <li><a href="/wiki/Mobile_campaign" title="Mobile campaign">campaigns</a></li></ul></li> <li><a class="mw-selflink selflink">Payments</a> <ul><li><a href="/wiki/Contactless_payment" title="Contactless payment">contactless</a></li> <li><a href="/wiki/Mobile_donating" title="Mobile donating">donating</a></li></ul></li> <li><a href="/wiki/Mobile_ticketing" title="Mobile ticketing">Ticketing</a></li></ul> </div></td></tr><tr><th scope="row" class="navbox-group" style="width:1%"><a href="/wiki/Mobile_content" title="Mobile content">Content</a></th><td class="navbox-list-with-group navbox-list navbox-odd" style="width:100%;padding:0"><div style="padding:0 0.25em"> <ul><li><a href="/wiki/Mobile_blogging" title="Mobile blogging">Blogging</a></li> <li><a href="/wiki/Push_email" title="Push email">Email</a></li> <li><a href="/wiki/Mobile_gambling" title="Mobile gambling">Gambling</a></li> <li><a href="/wiki/Mobile_game" title="Mobile game">Gaming</a></li> <li><a href="/wiki/MHealth" title="MHealth">Health</a></li> <li><a href="/wiki/Instant_messaging" title="Instant messaging">Instant messaging</a></li> <li><a href="/wiki/M-learning" title="M-learning">Learning</a></li> <li><a href="/wiki/Mobile_music" title="Mobile music">Music</a></li> <li><a href="/wiki/Mobile_news" title="Mobile news">News</a></li> <li><a href="/w/index.php?title=Mobile_search&action=edit&redlink=1" class="new" title="Mobile search (page does not exist)">Search</a> <ul><li><a href="/wiki/Mobile_local_search" title="Mobile local search">local</a></li></ul></li> <li><a href="/wiki/Mobile_social_network" title="Mobile social network">Social</a> <ul><li><a href="/wiki/Mobile_social_address_book" title="Mobile social address book">address book</a></li></ul></li> <li><a href="/wiki/Mobile_television" title="Mobile television">Television</a></li></ul> </div></td></tr></tbody></table><div></div></td></tr><tr><th scope="row" class="navbox-group" style="width:1%"><a href="/wiki/Category:Mobile_phone_culture" title="Category:Mobile phone culture">Culture</a></th><td class="navbox-list-with-group navbox-list navbox-even" style="width:100%;padding:0"><div style="padding:0 0.25em"> <ul><li><a href="/wiki/Box_breaker" title="Box breaker">Box breaking</a></li> <li><a href="/wiki/Mobile_phone_charm" title="Mobile phone charm">Charms</a></li> <li><a href="/wiki/Mobile_comic" title="Mobile comic">Comics</a></li> <li><a href="/wiki/Mobile_dating" title="Mobile dating">Dating</a></li> <li><a href="/wiki/Japanese_mobile_phone_culture" title="Japanese mobile phone culture">Japanese culture</a></li> <li><a href="/wiki/Cell_phone_novel" title="Cell phone novel">Novels</a></li> <li><a href="/wiki/Ringtone" title="Ringtone">Ringtones</a> <ul><li><a href="/wiki/Silent_mode" title="Silent mode">silent mode</a></li></ul></li> <li><a href="/wiki/Selfie" title="Selfie">Selfie</a></li> <li><a href="/wiki/SMS_language" title="SMS language">Txt-spk</a></li> <li><a href="/wiki/Wallpaper_(computing)" title="Wallpaper (computing)">Wallpaper</a></li></ul> </div></td></tr><tr><th scope="row" class="navbox-group" style="width:1%">Environment<br />and health</th><td class="navbox-list-with-group navbox-list navbox-odd" style="width:100%;padding:0"><div style="padding:0 0.25em"> <ul><li><a href="/wiki/De_Quervain_syndrome" title="De Quervain syndrome">BlackBerry thumb</a></li> <li><a href="/wiki/Mobile_phones_and_driving_safety" title="Mobile phones and driving safety">Driving safety</a></li> <li><a href="/wiki/Electronic_waste" title="Electronic waste">Electronic waste</a></li> <li><a href="/wiki/Common_external_power_supply" title="Common external power supply">External power supply</a></li> <li><a href="/wiki/Digital_media_use_and_mental_health" title="Digital media use and mental health">Mental health from overuse</a></li> <li><a href="/wiki/Phantom_vibration_syndrome" title="Phantom vibration syndrome">Phantom vibration syndrome</a></li> <li><a href="/wiki/Wireless_device_radiation_and_health" title="Wireless device radiation and health">Radiation and health</a></li> <li><a href="/wiki/Mobile_phone_recycling" title="Mobile phone recycling">Recycling</a></li></ul> </div></td></tr><tr><th scope="row" class="navbox-group" style="width:1%"><a href="/wiki/Law" title="Law">Law</a></th><td class="navbox-list-with-group navbox-list navbox-even" style="width:100%;padding:0"><div style="padding:0 0.25em"> <ul><li><a href="/wiki/Carrier_IQ" title="Carrier IQ">Carrier IQ</a></li> <li><a href="/wiki/Legality_of_recording_by_civilians" title="Legality of recording by civilians">Legality of recording by civilians</a></li> <li><a href="/wiki/Mobile_phones_in_prison" title="Mobile phones in prison">Mobile phones in prison</a></li> <li><a href="/wiki/Photography_and_the_law" title="Photography and the law">Photography and the law</a></li> <li><a href="/wiki/Telephone_tapping" class="mw-redirect" title="Telephone tapping">Telephone tapping</a></li> <li><a href="/wiki/Texting_while_driving" title="Texting while driving">Texting while driving</a></li> <li><a href="/wiki/Restrictions_on_cell_phone_use_while_driving_in_the_United_States" title="Restrictions on cell phone use while driving in the United States">USA use restrictions while driving</a></li></ul> </div></td></tr><tr><td class="navbox-abovebelow" colspan="2"><div> <ul><li><span class="nowrap"><span class="noviewer" typeof="mw:File"><span><img alt="" src="//upload.wikimedia.org/wikipedia/commons/thumb/4/4e/Telecom-icon.svg/28px-Telecom-icon.svg.png" decoding="async" width="28" height="28" class="mw-file-element" srcset="//upload.wikimedia.org/wikipedia/commons/thumb/4/4e/Telecom-icon.svg/42px-Telecom-icon.svg.png 1.5x, //upload.wikimedia.org/wikipedia/commons/thumb/4/4e/Telecom-icon.svg/56px-Telecom-icon.svg.png 2x" data-file-width="500" data-file-height="500" /></span></span> </span><a href="/wiki/Portal:Telecommunication" title="Portal:Telecommunication">Telecommunication portal</a></li> <li><span class="nowrap"><span class="noviewer" typeof="mw:File"><span><img alt="telephone icon" src="//upload.wikimedia.org/wikipedia/commons/thumb/b/b8/Telephone_icon_blue_gradient.svg/28px-Telephone_icon_blue_gradient.svg.png" decoding="async" width="28" height="28" class="mw-file-element" srcset="//upload.wikimedia.org/wikipedia/commons/thumb/b/b8/Telephone_icon_blue_gradient.svg/42px-Telephone_icon_blue_gradient.svg.png 1.5x, //upload.wikimedia.org/wikipedia/commons/thumb/b/b8/Telephone_icon_blue_gradient.svg/56px-Telephone_icon_blue_gradient.svg.png 2x" data-file-width="722" data-file-height="722" /></span></span> </span><a href="/wiki/Portal:Telephones" title="Portal:Telephones">Telephones portal</a></li> <li><span class="noviewer" typeof="mw:File"><span title="Category"><img alt="" src="//upload.wikimedia.org/wikipedia/en/thumb/9/96/Symbol_category_class.svg/16px-Symbol_category_class.svg.png" decoding="async" width="16" height="16" class="mw-file-element" srcset="//upload.wikimedia.org/wikipedia/en/thumb/9/96/Symbol_category_class.svg/23px-Symbol_category_class.svg.png 1.5x, //upload.wikimedia.org/wikipedia/en/thumb/9/96/Symbol_category_class.svg/31px-Symbol_category_class.svg.png 2x" data-file-width="180" data-file-height="185" /></span></span> <a href="/wiki/Category:Mobile_telecommunications" title="Category:Mobile telecommunications">Category</a></li></ul> </div></td></tr></tbody></table></div> <div class="navbox-styles"><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1129693374"><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1236075235"></div><div role="navigation" class="navbox" aria-labelledby="Mobile_payment_software" style="padding:3px"><table class="nowraplinks hlist mw-collapsible autocollapse navbox-inner" style="border-spacing:0;background:transparent;color:inherit"><tbody><tr><th scope="col" class="navbox-title" colspan="2"><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1129693374"><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1239400231"><div class="navbar plainlinks hlist navbar-mini"><ul><li class="nv-view"><a href="/wiki/Template:Mobile_payments" title="Template:Mobile payments"><abbr title="View this template">v</abbr></a></li><li class="nv-talk"><a href="/wiki/Template_talk:Mobile_payments" title="Template talk:Mobile payments"><abbr title="Discuss this template">t</abbr></a></li><li class="nv-edit"><a href="/wiki/Special:EditPage/Template:Mobile_payments" title="Special:EditPage/Template:Mobile payments"><abbr title="Edit this template">e</abbr></a></li></ul></div><div id="Mobile_payment_software" style="font-size:114%;margin:0 4em"><a class="mw-selflink selflink">Mobile payment</a> software</div></th></tr><tr><th scope="row" class="navbox-group" style="width:1%">Active</th><td class="navbox-list-with-group navbox-list navbox-odd" style="width:100%;padding:0"><div style="padding:0 0.25em"> <ul><li><a href="/wiki/2C2P" title="2C2P">2C2P</a></li> <li><a href="/wiki/Adyen" title="Adyen">Adyen</a></li> <li><a href="/wiki/Alipay" title="Alipay">Alipay</a></li> <li><a href="/wiki/Amazon_Pay" title="Amazon Pay">Amazon Pay</a></li> <li><a href="/wiki/Apple_Cash" class="mw-redirect" title="Apple Cash">Apple Cash</a></li> <li><a href="/wiki/Apple_Pay" title="Apple Pay">Apple Pay</a></li> <li><a href="/wiki/Atom_Technologies" class="mw-redirect" title="Atom Technologies">Atom Technologies</a></li> <li><a href="/wiki/Bancomat_(interbank_network)" title="Bancomat (interbank network)">Bancomat Pay</a></li> <li><a href="/wiki/BKash" title="BKash">bKash</a></li> <li><a href="/wiki/Blik" title="Blik">Blik</a></li> <li><a href="/wiki/Boku_mobile_payments" class="mw-redirect" title="Boku mobile payments">Boku</a></li> <li><a href="/wiki/Carta_Worldwide" title="Carta Worldwide">Carta Worldwide</a></li> <li><a href="/wiki/Cash_App" title="Cash App">Cash App</a></li> <li><a href="/wiki/CDS_Global" title="CDS Global">CDS Global</a></li> <li><a href="/wiki/Circle_(company)" title="Circle (company)">Circle</a></li> <li><a href="/wiki/Easypaisa" title="Easypaisa">Easypaisa</a></li> <li><a href="/wiki/EnStream" title="EnStream">EnStream</a></li> <li><a href="/wiki/Ensygnia" title="Ensygnia">Ensygnia</a></li> <li><a href="/wiki/EServGlobal" title="EServGlobal">EServGlobal</a></li> <li><a href="/wiki/Fitbit_Pay" class="mw-redirect" title="Fitbit Pay">Fitbit Pay</a></li> <li><a href="/wiki/FreeCharge" class="mw-redirect" title="FreeCharge">FreeCharge</a></li> <li><a href="/wiki/Garmin_Pay" class="mw-redirect" title="Garmin Pay">Garmin Pay</a></li> <li><a href="/wiki/GCash" title="GCash">GCash</a></li> <li><a href="/wiki/Google_Pay_(payment_method)" title="Google Pay (payment method)">Google Pay</a> <ul><li><a href="/wiki/Google_Pay_(mobile_app)" title="Google Pay (mobile app)">Google Pay app</a></li></ul></li> <li><a href="/wiki/Google_Wallet" title="Google Wallet">Google Wallet</a></li> <li><a href="/wiki/Gojek#Products" title="Gojek">Gopay</a></li> <li><a href="/wiki/IDEAL" title="IDEAL">iDEAL</a></li> <li><a href="/wiki/Interac_e-Transfer" title="Interac e-Transfer">Interac e-Transfer</a></li> <li><a href="/wiki/JazzCash" title="JazzCash">JazzCash</a></li> <li><a href="/wiki/Jumio" title="Jumio">Jumio</a></li> <li><a href="/wiki/KakaoPay" title="KakaoPay">KakaoPay</a></li> <li><a href="/wiki/Line_Pay" class="mw-redirect" title="Line Pay">Line Pay</a></li> <li><a href="/wiki/Maya_(mobile_payments)" title="Maya (mobile payments)">Maya</a></li> <li><a href="/wiki/Mercado_Pago" class="mw-redirect" title="Mercado Pago">Mercado Pago</a></li> <li><a href="/wiki/Mir_Pay" class="mw-redirect" title="Mir Pay">Mir Pay</a></li> <li><a href="/wiki/MobiKwik" title="MobiKwik">MobiKwik</a></li> <li><a href="/wiki/Suica" title="Suica">Mobile Suica</a></li> <li><a href="/wiki/MobilePay" title="MobilePay">MobilePay</a></li> <li><a href="/wiki/Mopay" class="mw-redirect" title="Mopay">Mopay</a></li> <li><a href="/wiki/M-Pesa" title="M-Pesa">M-Pesa</a></li> <li><a href="/wiki/Nagad" title="Nagad">Nagad</a></li> <li><a href="/wiki/National_Payments_Corporation_of_India" title="National Payments Corporation of India">NPCI</a> <ul><li><a href="/wiki/Immediate_Payment_Service" title="Immediate Payment Service">IMPS</a></li> <li><a href="/wiki/Unified_Payments_Interface" title="Unified Payments Interface">UPI</a> <ul><li><a href="/wiki/BHIM" title="BHIM">BHIM</a></li></ul></li></ul></li> <li><a href="/wiki/Naver_Pay" title="Naver Pay">Naver Pay</a></li> <li><a href="/wiki/National_Electronic_Funds_Transfer" title="National Electronic Funds Transfer">NEFT</a></li> <li><a href="/wiki/Orange_Money" title="Orange Money">Orange Money</a></li> <li><a href="/wiki/Osaifu-Keitai" title="Osaifu-Keitai">Osaifu-Keitai</a></li> <li><a href="/wiki/Oxigen_Services" title="Oxigen Services">Oxigen Services</a></li> <li><a href="/wiki/PayAnywhere" class="mw-redirect" title="PayAnywhere">PayAnywhere</a></li> <li><a href="/wiki/PayMate" title="PayMate">PayMate</a></li> <li><a href="/wiki/PayMe" title="PayMe">PayMe</a></li> <li><a href="/wiki/PayNow" title="PayNow">PayNow</a></li> <li><a href="/wiki/PayPal" title="PayPal">PayPal</a> <ul><li><a href="/wiki/Braintree_(company)" title="Braintree (company)">Braintree</a></li> <li><a href="/wiki/IZettle" class="mw-redirect" title="IZettle">iZettle</a></li> <li><a href="/wiki/Paydiant" title="Paydiant">Paydiant</a></li> <li><a href="/wiki/Venmo" title="Venmo">Venmo</a></li></ul></li> <li><a href="/wiki/PayPay" title="PayPay">PayPay</a></li> <li><a href="/wiki/Paytm" title="Paytm">Paytm</a></li> <li><a href="/wiki/Payworld" title="Payworld">Payworld</a></li> <li><a href="/wiki/Paze" title="Paze">Paze</a></li> <li><a href="/wiki/PhonePe" title="PhonePe">PhonePe</a></li> <li><a href="/wiki/Pix_(payment_system)" title="Pix (payment system)">Pix</a></li> <li><a href="/wiki/Qiwi" title="Qiwi">Qiwi</a></li> <li><a href="/wiki/Revolut" title="Revolut">Revolut</a></li> <li><a href="/wiki/Samsung_Pay" title="Samsung Pay">Samsung Pay</a> <ul><li><a href="/wiki/Samsung_Wallet" title="Samsung Wallet">Samsung Wallet</a></li></ul></li> <li><a href="/wiki/Spice_Digital" class="mw-redirect" title="Spice Digital">Spice Digital</a></li> <li><a href="/wiki/Swish_(payment)" title="Swish (payment)">Swish</a></li> <li><a href="/wiki/Touch_%27n_Go_eWallet" title="Touch 'n Go eWallet">Touch 'n Go eWallet</a></li> <li><a href="/wiki/TWINT" title="TWINT">TWINT</a></li> <li><a href="/wiki/UnionPay_(application)" title="UnionPay (application)">UnionPay app</a></li> <li><a href="/wiki/Vipps" title="Vipps">Vipps</a></li> <li><a href="/wiki/Wave_Money" title="Wave Money">Wave Money</a></li> <li><a href="/wiki/WeChat_Pay" title="WeChat Pay">WeChat Pay</a></li> <li><a href="/wiki/Wizzit" title="Wizzit">Wizzit</a></li> <li><a href="/wiki/YooMoney" title="YooMoney">YooMoney</a></li> <li><a href="/wiki/Zelle" title="Zelle">Zelle</a></li></ul> </div></td></tr><tr><th scope="row" class="navbox-group" style="width:1%">Defunct</th><td class="navbox-list-with-group navbox-list navbox-even" style="width:100%;padding:0"><div style="padding:0 0.25em"> <ul><li><a href="/wiki/AirTag_(company)" title="AirTag (company)">AirTag</a></li> <li><a href="/wiki/Bell_ID" title="Bell ID">Bell ID</a></li> <li><a href="/wiki/CurrentC" class="mw-redirect" title="CurrentC">CurrentC</a></li> <li><a href="/wiki/Fortumo" title="Fortumo">Fortumo</a></li> <li><a href="/wiki/Google_Pay_Send" title="Google Pay Send">Google Wallet (2011-2018)</a></li> <li><a href="/wiki/Kuapay" title="Kuapay">Kuapay</a></li> <li><a href="/wiki/Lemon_Wallet" title="Lemon Wallet">Lemon Wallet</a></li> <li><a href="/wiki/LG_Pay" title="LG Pay">LG Pay</a></li> <li><a href="/wiki/Microsoft_Pay" title="Microsoft Pay">Microsoft Pay</a></li> <li><a href="/wiki/Paym" title="Paym">Paym</a></li> <li><a href="/wiki/Pingit" title="Pingit">Pingit</a></li> <li><a href="/wiki/Simpay" title="Simpay">Simpay</a></li> <li><a href="/wiki/Softcard" title="Softcard">Softcard</a></li> <li><a href="/wiki/Tagpay" class="mw-redirect" title="Tagpay">Tagpay</a></li> <li><a href="/wiki/Tez_(software)" title="Tez (software)">Tez</a></li> <li><a href="/wiki/Vcash" title="Vcash">vcash</a></li> <li><a href="/wiki/Zapp_(mobile_payments)" class="mw-redirect" title="Zapp (mobile payments)">Zapp</a></li> <li><a href="/wiki/ZNAP" class="mw-redirect" title="ZNAP">Znap</a></li></ul> </div></td></tr><tr><td class="navbox-abovebelow" colspan="2"><div> <ul><li><span class="noviewer" typeof="mw:File"><span title="Category"><img alt="" src="//upload.wikimedia.org/wikipedia/en/thumb/9/96/Symbol_category_class.svg/16px-Symbol_category_class.svg.png" decoding="async" width="16" height="16" class="mw-file-element" srcset="//upload.wikimedia.org/wikipedia/en/thumb/9/96/Symbol_category_class.svg/23px-Symbol_category_class.svg.png 1.5x, //upload.wikimedia.org/wikipedia/en/thumb/9/96/Symbol_category_class.svg/31px-Symbol_category_class.svg.png 2x" data-file-width="180" data-file-height="185" /></span></span> <a href="/wiki/Category:Mobile_payments" title="Category:Mobile payments">Category</a></li></ul> </div></td></tr></tbody></table></div>    </div><noscript><img src="https://login.wikimedia.org/wiki/Special:CentralAutoLogin/start?type=1x1" alt="" width="1" height="1" style="border: none; position: absolute;"></noscript> <div class="printfooter" data-nosnippet="">Retrieved from "<a dir="ltr" href="https://en.wikipedia.org/w/index.php?title=Mobile_payment&oldid=1258578449">https://en.wikipedia.org/w/index.php?title=Mobile_payment&oldid=1258578449</a>"</div></div> <div id="catlinks" class="catlinks" data-mw="interface"><div id="mw-normal-catlinks" class="mw-normal-catlinks"><a href="/wiki/Help:Category" title="Help:Category">Categories</a>: <ul><li><a href="/wiki/Category:Mobile_payments" title="Category:Mobile payments">Mobile payments</a></li><li><a href="/wiki/Category:Financial_technology" title="Category:Financial technology">Financial technology</a></li></ul></div><div id="mw-hidden-catlinks" class="mw-hidden-catlinks mw-hidden-cats-hidden">Hidden categories: <ul><li><a href="/wiki/Category:CS1_errors:_missing_periodical" title="Category:CS1 errors: missing periodical">CS1 errors: missing periodical</a></li><li><a href="/wiki/Category:CS1_French-language_sources_(fr)" title="Category:CS1 French-language sources (fr)">CS1 French-language sources (fr)</a></li><li><a href="/wiki/Category:Webarchive_template_wayback_links" title="Category:Webarchive template wayback links">Webarchive template wayback links</a></li><li><a href="/wiki/Category:Articles_with_short_description" title="Category:Articles with short description">Articles with short description</a></li><li><a href="/wiki/Category:Short_description_matches_Wikidata" title="Category:Short description matches Wikidata">Short description matches Wikidata</a></li><li><a href="/wiki/Category:Use_dmy_dates_from_November_2022" title="Category:Use dmy dates from November 2022">Use dmy dates from November 2022</a></li><li><a href="/wiki/Category:All_articles_with_unsourced_statements" title="Category:All articles with unsourced statements">All articles with unsourced statements</a></li><li><a href="/wiki/Category:Articles_with_unsourced_statements_from_March_2024" title="Category:Articles with unsourced statements from March 2024">Articles with unsourced statements from March 2024</a></li><li><a href="/wiki/Category:Articles_with_unsourced_statements_from_July_2019" title="Category:Articles with unsourced statements from July 2019">Articles with unsourced statements from July 2019</a></li><li><a href="/wiki/Category:Wikipedia_articles_in_need_of_updating_from_May_2024" title="Category:Wikipedia articles in need of updating from May 2024">Wikipedia articles in need of updating from May 2024</a></li><li><a href="/wiki/Category:All_Wikipedia_articles_in_need_of_updating" title="Category:All Wikipedia articles in need of updating">All Wikipedia articles in need of updating</a></li><li><a href="/wiki/Category:Articles_with_unsourced_statements_from_July_2015" title="Category:Articles with unsourced statements from July 2015">Articles with unsourced statements from July 2015</a></li></ul></div></div> </div> </main> </div> <div class="mw-footer-container"> <footer id="footer" class="mw-footer" > <ul id="footer-info"> <li id="footer-info-lastmod"> This page was last edited on 20 November 2024, at 13:46<span class="anonymous-show"> (UTC)</span>.</li> <li id="footer-info-copyright">Text is available under the <a href="/wiki/Wikipedia:Text_of_the_Creative_Commons_Attribution-ShareAlike_4.0_International_License" title="Wikipedia:Text of the Creative Commons Attribution-ShareAlike 4.0 International License">Creative Commons Attribution-ShareAlike 4.0 License</a>; additional terms may apply. By using this site, you agree to the <a href="https://foundation.wikimedia.org/wiki/Special:MyLanguage/Policy:Terms_of_Use" class="extiw" title="foundation:Special:MyLanguage/Policy:Terms of Use">Terms of Use</a> and <a href="https://foundation.wikimedia.org/wiki/Special:MyLanguage/Policy:Privacy_policy" class="extiw" title="foundation:Special:MyLanguage/Policy:Privacy policy">Privacy Policy</a>. Wikipedia® is a registered trademark of the <a rel="nofollow" class="external text" href="https://wikimediafoundation.org/">Wikimedia Foundation, Inc.</a>, a non-profit organization.</li> </ul> <ul id="footer-places"> <li id="footer-places-privacy"><a href="https://foundation.wikimedia.org/wiki/Special:MyLanguage/Policy:Privacy_policy">Privacy policy</a></li> <li id="footer-places-about"><a href="/wiki/Wikipedia:About">About Wikipedia</a></li> <li id="footer-places-disclaimers"><a href="/wiki/Wikipedia:General_disclaimer">Disclaimers</a></li> <li id="footer-places-contact"><a href="//en.wikipedia.org/wiki/Wikipedia:Contact_us">Contact Wikipedia</a></li> <li id="footer-places-wm-codeofconduct"><a href="https://foundation.wikimedia.org/wiki/Special:MyLanguage/Policy:Universal_Code_of_Conduct">Code of Conduct</a></li> <li id="footer-places-developers"><a href="https://developer.wikimedia.org">Developers</a></li> <li id="footer-places-statslink"><a href="https://stats.wikimedia.org/#/en.wikipedia.org">Statistics</a></li> <li id="footer-places-cookiestatement"><a href="https://foundation.wikimedia.org/wiki/Special:MyLanguage/Policy:Cookie_statement">Cookie statement</a></li> <li id="footer-places-mobileview"><a href="//en.m.wikipedia.org/w/index.php?title=Mobile_payment&mobileaction=toggle_view_mobile" class="noprint stopMobileRedirectToggle">Mobile view</a></li> </ul> <ul id="footer-icons" class="noprint"> <li id="footer-copyrightico"><a href="https://wikimediafoundation.org/" class="cdx-button cdx-button--fake-button cdx-button--size-large cdx-button--fake-button--enabled"><img src="/static/images/footer/wikimedia-button.svg" width="84" height="29" alt="Wikimedia Foundation" loading="lazy"></a></li> <li id="footer-poweredbyico"><a href="https://www.mediawiki.org/" class="cdx-button cdx-button--fake-button cdx-button--size-large cdx-button--fake-button--enabled"><img src="/w/resources/assets/poweredby_mediawiki.svg" alt="Powered by MediaWiki" width="88" height="31" loading="lazy"></a></li> </ul> </footer> </div> </div> </div> <div class="vector-settings" id="p-dock-bottom"> <ul></ul> </div><script>(RLQ=window.RLQ||[]).push(function(){mw.config.set({"wgHostname":"mw-web.codfw.main-f69cdc8f6-7g25x","wgBackendResponseTime":201,"wgPageParseReport":{"limitreport":{"cputime":"1.006","walltime":"1.197","ppvisitednodes":{"value":4607,"limit":1000000},"postexpandincludesize":{"value":209175,"limit":2097152},"templateargumentsize":{"value":4009,"limit":2097152},"expansiondepth":{"value":13,"limit":100},"expensivefunctioncount":{"value":11,"limit":500},"unstrip-depth":{"value":1,"limit":20},"unstrip-size":{"value":263661,"limit":5000000},"entityaccesscount":{"value":0,"limit":400},"timingprofile":["100.00% 992.523 1 -total"," 47.78% 474.236 1 Template:Reflist"," 37.88% 375.998 56 Template:Cite_web"," 11.01% 109.294 3 Template:Sidebar"," 10.49% 104.095 1 Template:Ecommerce"," 7.80% 77.372 5 Template:Navbox"," 7.44% 73.826 1 Template:Short_description"," 6.96% 69.129 4 Template:Citation_needed"," 6.62% 65.688 1 Template:Mobile_phones"," 6.05% 60.055 4 Template:Fix"]},"scribunto":{"limitreport-timeusage":{"value":"0.608","limit":"10.000"},"limitreport-memusage":{"value":7609838,"limit":52428800},"limitreport-logs":"table#1 {\n [\"size\"] = \"small\",\n}\ntable#1 {\n [\"size\"] = \"small\",\n}\n"},"cachereport":{"origin":"mw-web.codfw.main-f69cdc8f6-9nxpb","timestamp":"20241122140711","ttl":2592000,"transientcontent":false}}});});</script> <script type="application/ld+json">{"@context":"https:\/\/schema.org","@type":"Article","name":"Mobile payment","url":"https:\/\/en.wikipedia.org\/wiki\/Mobile_payment","sameAs":"http:\/\/www.wikidata.org\/entity\/Q1365703","mainEntity":"http:\/\/www.wikidata.org\/entity\/Q1365703","author":{"@type":"Organization","name":"Contributors to Wikimedia projects"},"publisher":{"@type":"Organization","name":"Wikimedia Foundation, Inc.","logo":{"@type":"ImageObject","url":"https:\/\/www.wikimedia.org\/static\/images\/wmf-hor-googpub.png"}},"datePublished":"2003-05-27T15:00:24Z","dateModified":"2024-11-20T13:46:55Z","image":"https:\/\/upload.wikimedia.org\/wikipedia\/commons\/8\/8d\/Community_Noun_project_39956.svg","headline":"payment services via a mobile device"}</script> </body> </html>