Latest News

More Chinese Smartphone Makers Enable NFC Transit Ticketing

NFC Times Exclusive – More Chinese OEMs have launched support for NFC transit ticketing, following earlier launches by Xiaomi and Huawei, NFC Times has learned, with at least five more device makers enabling service in one to two Chinese cities, or planning to do so.

Moscow Commuter Line Supports Open-Loop Fare Collection; Promotes Payments by Apple Pay

NFC Times Exclusive Insight - All stations on Moscow’s new commuter rail line, the Moscow Central Circle, or MCC, and some Moscow Metro stations linked with the new line, accept open-loop payments, including with Apple Pay, the Russian transit authority confirmed to NFC Times, adding that the authority is looking forward to accepting a range of other NFC-enabled wallets, including Samsung Pay.

Samsung Takes Two-Speed Approach to Launches of Samsung Pay

NFC Times Exclusive – In line with its October promise, Samsung has launched its mobile payments service in two additional markets, Malaysia and Thailand, bringing the number of markets to 12, counting Puerto Rico. Still, in some of the markets where Samsung Pay has launched, the device maker adopted a different rollout strategy, which it calls “early access.”

Huawei Enables More Cities for Transit Ticketing, as OEM Pay Providers Begin to Expand NFC Fare Collection Services

Dec 22 2016

NFC Times Exclusive Insight – Huawei and NXP Semiconductors have announced that the Chinese smartphone maker has added three cities to its transit-ticketing service from its Huawei Pay wallet, as Chinese OEMs continue to lead in enabling NFC fare collection from their devices.

NFC Secure Element Shipments to Miss Vendor Forecasts; Trade Group Eurosmart Declines to Release Details

NFC Times Exclusive – NFC secure element shipments for 2016 will be lower than earlier forecasts by card and chip vendor trade association Eurosmart, although the group is not saying by how much.

How It Works: Android Pay Launches in Japan Without HCE, Backed by One Closed-Loop Payments Service

NFC Times Exclusive Insight – Google is using an embedded secure element to enable users to tap to pay in its latest Android Pay market, Japan–the first time since launching Android Pay that the search giant is not using host card emulation to enable payments.

Taiwanese Telco Launches Wallet Supporting Both NFC and QR Codes, with HCE Coming

NFC Times Exclusive Insight – Far EasTone, one of Taiwan’s three major telcos, officially launched its mobile wallet Tuesday, offering a range of services and technologies as it prepares to compete with the coming of the “Pays” wallets, including Apple Pay, which is expected to launch in Taiwan in the first quarter.

Wirecard Sees Insuring In-Store Purchases as ‘Innovative’ Feature for Boon Payments App, but Will It Help App Stand Out in the Crowd?

Dec 19 2016

NFC Times Exclusive Insight – Germany-based white-label payments software and prepaid payments services provider Wirecard hopes to make its mobile payments app boon more attractive to German users by giving them the option of insuring their in-store purchases.

Apple Pay Chief: Ensuring Consistent User Experience Prompted Apple to Lock NFC Chip, Shun QR Codes

NFC Times Exclusive Insight – In case anyone is still wondering, Apple didn’t launch Apple Pay for the transaction fees it earns from banks, even if the iPhone maker still doesn’t publicly acknowledge it charges the fees to begin with.

Sony Pay? Sony Mobile Unlikely to Join ‘OEM Pay’ Club; Looking Instead to Local Deals to Enable Mobile Payments

NFC Times Exclusive – Sony Mobile has no plans to introduce its own payments service, choosing instead to work with local mobile payments service providers market by market, NFC Times has learned.

Scotiabank Updates Mobile Payments Service to HCE and Plans American Express and Mastercard Support for New Year

NFC Times Exclusive Insight – By switching from NFC SIM-based to host card emulation mobile payments service at the end of November, one of Canada's top five banks, Scotiabank, is hoping to “build adoption” at a “higher magnitude” for its My Mobile Wallet service, a bank spokeswoman told NFC Times.

Google Adds Another Small Market with Launch of Android Pay in Ireland

NFC Times Exclusive Insight – Google has expanded Android Pay to yet another small international market, with the launch in Ireland today, with participation from one of the four biggest Irish banks, along with networks Visa and Mastercard.

Square Introduces Square Cash for In-Store Purchases With Apple Pay, as Expected

NFC Times Exclusive Insight – Square CEO Jack Dorsey announced Tuesday that the payments company is making its Square Cash service available for in-store payments with Apple Pay. NFC Times was first to report the planned move Nov. 1.

Android Pay Launches in New Zealand with Participation from Only One Bank

NFC Times Exclusive Insight – Just a couple weeks after launching its mobile payments service in Poland, Google has expanded to another market, New Zealand–and as in Poland, Android Pay is backed there by only one major bank at launch, Bank of New Zealand.

American Express Launches Amex Pay in the UK, in Addition to Canada

NFC Times Exclusive – American Express has quietly launched its HCE-enabled mobile payments service in the UK, along with its launch in Canada, which it announced Wednesday, NFC Times has learned.

Apple Pay Launches in Spain with Support from Santander, Mastercard and American Express

NFC Times Exclusive Insight – Apple has continued to expand its NFC payments service, today launching Apple Pay in Spain, with participation from one of the country’s biggest banks, Banco Santander, and two payments networks, Mastercard and American Express.

Australian Antitrust Regulators Reject Big Banks’ Request for Collective Negotiations With Apple

NFC Times Exclusive Insight – In a draft decision, the Australian Competition and Consumer Commission has denied a request from four major banks for permission to negotiate collectively with Apple and boycott participation in Apple Pay during the discussions, with regulators expressing concern that such a position “could reduce or distort competition in a number of markets.”

ABN AMRO Launches HCE Wallet Commercially Following Pilot; Manager: Testing Vital to Ensure NFC Phones Work with POS Terminals

NFC Times Exclusive - AMSTERDAM, the Netherlands: ABN AMRO is the third and last of the Netherlands’ big three banks to launch its own mobile wallet, launching service today for its Maestro debit cardholders, the bank confirmed to NFC Times.

Exclusive: Two More Polish Banks Prepare to Launch HCE Payments

Nov 24 2016

NFC Times Exclusive – Two more Polish banks plan to launch mobile payments using host card emulation technology, NFC Times has learned, adding to a growing list of mobile payments services in Poland, which saw the launch of its first “Pays” service last week with the introduction of Android Pay.

Android Pay Launches in Contactless Hot Spot Poland, but Cards from Only One Major Bank Available to Start

NFC Times Exclusive Insight – Google has expanded its mobile payments service into a sixth market, Poland, targeting the country’s high penetration of contactless point-of-sale terminals. In-app payments will follow, according to the search giant.

Long-Struggling OTI Makes Progress Toward Achieving Profitability; Still Refuses to Give Guidance

NFC Times Exclusive Insight – After years of effort, Israel-based contactless reader and NFC vendor On Track Innovations achieved a rare quarterly operating profit from continuing operations, thanks to cost cutting and a high gross margin, helped by a onetime licensing fee. But it still showed a net loss and the cost reductions may have bottomed out.

Citigroup Announces Citi Pay HCE App as Expected; Launch in U.S. Delayed until Early Next Year

NFC Times Exclusive Insight – As NFC Times reported a month ago, U.S.-based Citigroup is the latest bank with plans to launch an HCE-enabled mobile wallet for Android phones, “Citi Pay,” which will launch in Asia-Pacific first then in the U.S., using Masterpass technology.

Intesa Sanpaolo Expands HCE Mobile Payments Services to Five Countries

NFC Times Exclusive Insight – Intesa Sanpaolo, Italy's largest retail bank, launched its HCE-enabled mobile wallet service in a fifth market, Serbia, in October through its local subsidiary Banca Intesa Beograd and claimed a country first by deploying an HCE-based payments service branded as Wave2Pay.

Samsung Pay Launches Quietly in Canada with ‘Early-Access’ Service from One Major Bank, CIBC

NFC Times Exclusive Insight – One of Canada’s big five banks, CIBC, launched Samsung Pay this week, making its Visa-branded credit cards available as part of an “early-access” launch that Samsung itself hasn’t yet announced.

Samsung Discloses Plans for Samsung Pay Launch in Taiwan; Apple Pay Launch Expected on Island Nation Soon

Nov 9 2016

NFC Times Exclusive Insight – Samsung today disclosed plans in a local forum to launch Samsung Pay in Taiwan next year with several banks and a closed-loop payments service, iPASS, which could be used for transit fare collection. The launch is expected around the first quarter.

Deals

Samsung Launches Support for QR Code-Based Payments in India, as It Seeks to Broaden Merchant Acceptance

NFC TIMES Exclusive Insight – Samsung has expanded its mobile payments service to India, where Samsung Pay will integrate a QR code-based mobile wallet service, along with conventional NFC bank card payments and Samsung’s proprietary mobile mag-stripe payments technology, MST.

Gemalto’s Shares Tumble as it Warns of Lower Revenue and a Bigger Miss of Its 2017 Profit Goal

NFC TIMES Exclusive Insight – Shares in France-based vendor Gemalto fell sharply today as it issued warnings before markets opened that its revenue and profit would badly miss projections this year.

Exclusive: Visa Locks Out Third-Party Token Service Providers; Sets Dates for Ending Support for Alternate PANs

NFC TIMES Exclusive – Unlike at least some other major networks, including Mastercard, Visa has shown no intention of allowing third-party token service providers to tokenize Visa-branded cards, requiring nearly all issuers to use Visa’s own Visa Token Service, or VTS, sources told NFC Times.

Exclusive: What Tokenization Fees from Visa Might Look Like for Issuers

NFC TIMES Exclusive – While Visa has said it is waiving tokenization fees for issuers that join its commercial tokenization hub, VDEP, and use its Visa Token Service, some observers believe the network will charge the fees sooner or later.

Exclusive: Why are Some of the Largest U.S. Merchants Balking at Supporting NFC?

NFC TIMES Exclusive – While the base of contactless point-of-sale terminals in the U.S. has grown substantially over the past two and a half years, some of the country’s largest merchants continue to resist the idea of accepting such NFC wallets as Apple Pay and Android Pay.

Why National Australia Bank Chose Scheme-Based Tokenization over Alternate PANs for HCE Launch

NFC Times Exclusive Insight – Three of the big four banks in Australia have now launched HCE mobile payments commercially, but only one of them, National Australia Bank, is using tokenization from a payments scheme, Visa.

Sony Launches Support for FeliCa Technology on HCE Devices, Though Few Handsets Available Yet

NFC TIMES Exclusive – Japan’s Sony Corp. is supporting host card emulation with its proprietary FeliCa contactless technology, which could enable service providers to avoid the need for secure elements in rolling out FeliCa-based applications on NFC phones.

Samsung Semiconductor Faces Challenges in Rolling Out Contactless-Payments Service for Wearables

NFC TIMES Exclusive Insight – Samsung Semiconductor believes there is room for yet another closed-loop payments service, one that enables consumers to pay with contactless wearables devices that carry its dual-interface chips.

Android Pay Launches in Belgium, While State-Owned Belfius Bank Takes Two-Staged Approach to Own HCE Rollout

NFC TIMES Exclusive – Two of the largest banks in Belgium have launched, or are planning to launch, HCE-based mobile payments but chose different approaches: BNP Paribas Fortis decided to first launch with Android Pay, while state-owned Belfius Bank plans to enable the service within its mobile-banking app.

Apple Pay Launches in Ireland and Gears Up in Italy; but Only One Major Bank On Board So Far in Each Country

NFC Times Exclusive Insight – Apple has expanded its mobile payments service to another small market, with its launch Tuesday in Ireland, but is preparing to launch in a much larger market, Italy.

Features

Are Security Fears Really Holding Reluctant Mobile Payments Users Back?

By: 
Chandra Lye

NFC TIMES Exclusive – The low number of mobile payment users may have little to do with security, one researcher says.

NFC Transit Ticketing Finally Starts to Get on Track after Years of Delays and Broken Promises

By: 
Dan Balaban

NFC Times Exclusive – NFC mobile transit ticketing–an application that once held much promise but has shown few results over the past decadefinally appears to be pulling out of the station, getting a boost from the growing interest in open-loop fare collection, the emergence of the “Pays” mobile payments services and increasing efforts by standards makers to solve basic interoperability problems between NFC phones and transit terminals.

Provisioning Companies for Payments Wearables Say Devices Headed to Market; Tokenization Key to Achieving Scale

By: 
Dan Balaban

NFC Times Exclusive Insight – As payments companies pin their hopes on wearables becoming the next wave of portable payments devices, not surprisingly there is more hype than substance when it comes to commercial launches.

Getting Payment onto Wearables–a Start-Up Sees a Niche for TSM Technology

By: 
Dan Balaban

NFC Times Exclusive – As mainstream trusted service managers struggle to cope with a world in which their services are in much less demand, a tiny, self-funded start-up is seeking to carve out a niche as TSM for millions of fitness wristbands, festival bracelets and other lower-end wearables that might one day be enabled for payment.

Open Mobile Ticketing Alliance to Use Tokenization; Faces Long Road Ahead

By: 
Dan Balaban

NFC Times Exclusive Insight – Spokespersons for Nokia’s HERE digital mapping business declined to comment on how the acquisition of HERE by German carmakers BMW, Audi and Mercedes, announced yesterday, would affect its leading role in the NFC-based Open Mobile Ticketing Alliance.

Longer-Range NFC Tags Could Bring in More Applications but Also More Privacy and Security Concerns

By: 
Kiona Smith-Strickland

NFC Times Exclusive – As the NFC Forum develops its tag Type 5 specification based on the ISO/IEC 15693 protocol, industry sources say that NFC tags using the longer-range protocol could see demand in medical, industrial, and supply chain applications, and most handsets and readers on the market can currently read the tags, although there are still concerns about interoperability and security.

Tokenization: Panel Looks at Costs and Benefits of Transformative Technology

By: 
Kiona Smith-Strickland

NFC Times Exclusive With tokenization scaling up, some players in the payments ecosystem will see financial benefit, while others will pay the cost of implementing the technology.

Survey: NFC Trumps QR Codes and Beacons for Connecting to Nonpayments Applications in Stores

By: 
Kiona Smith-Strickland

NFC Times Exclusive Insight – Between two-thirds and three-quarters of U.S. consumers say they are interested in using NFC for nonpayment retail applications, according to a study funded by the NFC Forum by research firm Strategy Analytics.

Start-Up Takes on Apple Pay but Needs Help from Other OEMs

By: 
Dan Balaban

NFC Times Exclusive: While some high-volume U.S. merchants, such as McDonald’s, Subway and Walgreens accept Apple Pay, along with other NFC-payments services, a key weakness of these platforms is the low percentage of merchants in the U.S. where consumers can tap to pay with their phones.  

Zapp Plans September 2015 Launch for ACH-Based Mobile-Payments Service in UK

By: 
Kiona Smith-Strickland

NFC Times Exclusive: While Apple Pay has re-energized interest in bank-issued mobile credit and debit cards using secure elements in NFC phones, backers of decoupled debit and other automated clearing house-based mobile-payments schemes continue to gear up.