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Tap to pay for UPI: Google Pay

What Is NFC Technology:

Google Pay has recently launched a new feature in India, ‘Tap to pay for UPI’, in collaboration with Pine Labs. The feature makes use of Near Field Communication (NFC) technology.

  • The functionality will allow users with NFC-enabled Android smartphones and UPI (Unified Payments Interface) accounts linked to Google Pay to carry out transactions just by tapping their phones on any Pine Labs Android point-of-sale (POS) terminal across the country.
  • The process is much faster compared to scanning a QR code or entering the UPI-linked mobile number which has been the conventional way till now.
  • In February 2022, Apple introduced Tap to Pay on the iPhone.
  • NFC is a short-range wireless connectivity technology that allows NFC-enabled devices to communicate with each other and transfer information quickly and easily with a single touch – whether to pay bills, exchange business cards, download coupons, or share a document.
  • NFC transmits data through electromagnetic radio fields, to enable communication between two devices.
  • Both devices must contain NFC chips, as transactions take place within a very short distance.
  • NFC-enabled devices must be either physically touching or within a few centimetres from each other for data transfer to occur.
  • In 2004, consumer electronics companies, Nokia, Philips and Sony together formed the NFC Forum, which outlined the architecture for NFC technology to create powerful new consumer-driven products.
  • Nokia released the first NFC-enabled phone in 2007.
  • NFC technology is used in contactless banking cards to perform money transactions or to generate contact-less tickets for public transport.
  • Contactless cards and readers use NFC in several applications from securing networks and buildings to monitoring inventory and sales, preventing auto theft, and running unmanned toll booths.
  • It is present in speakers, household appliances, and other electronic devices that are controlled through smartphones.
  • It also has an application in healthcare, to monitor patient stats through NFC-enabled wristbands. NFC is used in wireless charging too.

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