NFC at the POS


NFC is short for Near Field Communication, short-range wireless technology that lets smartphones and similar devices communicate when they’re in close proximity to each other. This “tap-and-go” technology is used for a variety of applications, including contactless payments at the point of sale (POS).

NFC is the basis for mobile wallets like Android Pay, Apple Pay and Samsung Pay, which utilize smartphones and other mobile devices as the payment device. NFC transactions are convenient, quick and secure, and the technology is compatible with coupon and special offer redemptions that attract customers and increase sales.

To use NFC, a shopper must first enable their smartphone or mobile device with their choice of payment app and their payment account information, typically a credit or debit card. At the POS, they perform a simple, 3-step process to complete the transaction:

The NFC receiver reads the signal from the device and the transaction is validated by the Secure Element (SE), where personal and financial information is stored. The customer may be required to scan a fingertip or provide a passcode to approve the transaction. Once validation is complete and the transaction is authorized by the processor, the transaction is charged to the shopper’s designated credit card and a sales receipt is issued.

NFC is expected to become more popular with consumers as more retailers and service providers join major retailers who have already upgraded to processing equipment that can handle both EMV® and NFC transactions. Talk to TransFirst®  about traditional, mobile and wireless NFC/EMV-enabled terminal options to meet your business and processing requirements.

EMV is a registered trademark or trademark of EMVCO LLC in the United States and other countries. Apple Pay is a trademark of Apple Inc. Google Wallet is trademark of Google Inc. Samsung Pay is a trademark of Samsung Electronics Co., Ltd.


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federally-registered U.S. service marks of Total System Services, Inc. TransFirst is a registered ISO/MSP of: Wells Fargo Bank, N.A., Walnut Creek, CA; Synovus Bank, Columbus, GA; and Deutsche Bank, New York, NY; for Visa® and MasterCard® transactions only. TSYS Merchant Solutions is a registered ISO/MSP of Wells Fargo Bank, N.A., Walnut Creek, CA and Synovus Bank, Columbus, GA.