Credit cards have been in use for three-quarters of a century, and over the course of this time, they have evolved to the point where you no longer have to swipe your card or insert it into a chip reader. Just hold your card near or tap your card to complete the transaction using Radio-frequency identification (RFID) or Near-Field Communication (NFC). With the advent of smartphones ad smartwatches, new technologies have emerged.
Using contactless payment is convenient, but it makes you vulnerable to criminals who use RFID-enabled devices to make fraudulent contactless payments. You can prevent your credit card and identity information from being stolen by keeping your wallet and cards in the same place.
Technology has advanced to the point where there is little a smartphone cannot do, including the ability to pay other people and businesses for goods and services. You simply need to set up a payment app on your phone and you’re ready to go. Your phone is transformed into a digital wallet where you can keep debit and/or credit card information. Here’s how to do it.
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Using Apple Pay
If you have an iOS device, you can use Apple Pay at locations that accept it, including stores, gas stations, coffee shops, and more. Your iPhone, iPad, Apple Watch, and Mac can all be used with Apple Pay.
The Apple Card is a credit card that is built into the Wallet app and linked to Apple Pay. If you want, you can also purchase a physical version of the card.
Instead of discussing different portable devices, we’ll focus on Apple’s.
To get started using Apple Pay on your iPhone, do the following:
Tap the “add (plus)” button in the Wallet app.
Next, pick a card type, and then tap the Continue button.
You can scan the front of your card, or you can manually enter the card information on the next screen.
To complete the task, you’ll be provided with further instructions. If you have to provide more information or call the bank, then please do so. The outcome will vary depending on which bank you use.
Verify and then tap Next.
Apple Pay can be set up on your Apple Watch by doing the following:
On your iPhone, open the Apple Watch app and go to My Watch.
For step-by-step instructions, tap on “Tap Wallet & Apple Pay”, then on “Add card.”
If you’d like to manually enter the card information, you will have to scan the front of your card with your iPhone’s camera on the next screen.
You will be given additional instructions. More information or a phone call may be required. It varies by bank.
Verify it and tap Next.
If you have an Apple Pay-enabled store within range, double-press the side button on your Apple Watch. The default card is pulled up. Until you feel a tap, hold your watch near the reader.
Once you’ve opened the Wallet application, go ahead and tap “Apply for Apple Card.” Then, move on to enrolling in the Apple Card. Please finish filling out your application.” You will be able to add your Apple Card once you’ve received approval.
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Google’s payments system
Google Pay works anywhere that accepts it as a form of payment. In order to use the payment app, NFC-enabled Android phones and smartwatches are required.
You can set up Google Pay on your Android phone by following these steps:
To get Google Pay, open the Google Pay app. You’ll need to download the Google Pay app from the Google Play Store if you don’t already have it.
Press the ‘Add a card’ button and then select ‘Debit or credit card’
Scanning your card using your Android phone’s camera is now available on the next screen.
Confirm the method of payment.
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Smartwatch Google Pay

It’s simple to get started with Google Pay on your Android smartwatch:
To set up Google Pay on your Android smartwatch, launch the Google Pay app and tap “Get started.”
Put a lock screen on your screen.
To add a credit or debit card to your watch, follow the instructions on your phone.
Your card will be displayed on your watch.
Open the Google Pay app, then hold your Android watch near a contactless payment reader until you hear a sound or feel a vibration.
Peer-To-Peer Payment Apps
In terms of peer-to-peer money transfer, apps like these are ideal for sending and receiving money between friends and family members that you trust. You can also use bitcoins to pay for goods and services, but you should exercise caution when sending funds to unknown recipients.
PayPal

One of the benefits of using PayPal is that you do not need to supply personal information when you send money to someone you don’t know. One of the big selling points of PayPal is that you have purchase protection and dispute resolution in case things go wrong.
You must complete the transaction even after you send money. Refunds and recourse through PayPal are possible, but nothing is guaranteed. Downloading the free PayPal app for iOS is just a few taps away.
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Venmo
You should use Venmo to send money to friends and family. Sharing a restaurant bill is cool! Venmo can be used for this as well.
Good luck getting your money back. You only have control over the money you’ve sent to someone. No buyer or seller protection is offered.
Zelle

If you use Zelle, payments are deposited directly into your bank account. The only way to recover funds sent is at the discretion of the recipient. With no fraud protection, it is imperative that you be very careful who you send money to.