{"id":2492,"date":"2025-10-10T16:37:34","date_gmt":"2025-10-10T14:37:34","guid":{"rendered":"https:\/\/www.betaalvereniging.nl\/en\/?post_type=btv_wiki&#038;p=2492"},"modified":"2026-02-26T11:01:01","modified_gmt":"2026-02-26T10:01:01","slug":"mobile-payments","status":"publish","type":"btv_wiki","link":"https:\/\/www.betaalvereniging.nl\/en\/knowledge-base\/card-payments\/mobile-payments\/","title":{"rendered":"Mobile payments"},"content":{"rendered":"\n<h2 class=\"wp-block-heading\" id=\"h-differences-between-mobile-and-with-card\">Differences between mobile and with card<\/h2>\n\n\n\n<p>There are some important differences between contactless payment with a mobile phone (smartphone) and with a <a href=\"https:\/\/www.betaalvereniging.nl\/en\/knowledge-base\/card-payments\/payment-cards\/\" type=\"link\" id=\"https:\/\/www.betaalvereniging.nl\/en\/knowledge-base\/card-payments\/payment-cards\/\">physical debit card<\/a>:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>A <strong>mobile phone must be on <\/strong>&#8211; with a working battery &#8211; for wireless communication with the payment terminal. Physical payment cards work without a battery or battery.<\/li>\n\n\n\n<li>With <strong>Apple Pay<\/strong> and <strong>Google Pay<\/strong>, the user must always approve a payment, via <a href=\"https:\/\/www.betaalvereniging.nl\/en\/knowledge-base\/digital-identity\/two-factor-authentication\/\" type=\"link\" id=\"https:\/\/www.betaalvereniging.nl\/en\/knowledge-base\/digital-identity\/two-factor-authentication\/\">a numeric code, fingerprint or facial recognition<\/a>. When paying with a physical payment card, no PIN is usually required for amounts up to \u20ac50.<\/li>\n\n\n\n<li>A <strong>digital debit card<\/strong> on a smartphone is created digitally by a banking app or in a wallet app (in a digital wallet for smartphones). A physical debit card is usually sent by post.<\/li>\n\n\n\n<li>A digital payment card uses a <strong>unique code (token)<\/strong> that only works in combination with one specific smartphone. A physical debit card is not tied to a specific device.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-how-does-mobile-contactless-payment-work\">How does mobile contactless payment work?<\/h2>\n\n\n\n<p>Like a physical card, mobile payment uses <strong><em>Near Field Communication<\/em> (NFC)<\/strong> for secure contactless data exchange with payment terminals. The user briefly holds their device near the card reader to pay.<\/p>\n\n\n\n<p>For the <a href=\"https:\/\/www.betaalvereniging.nl\/en\/knowledge-base\/card-payments\/payment-terminals\/\" type=\"link\" id=\"https:\/\/www.betaalvereniging.nl\/en\/knowledge-base\/card-payments\/payment-terminals\/\">payment terminal<\/a>, there is no difference between a digital and a physical payment card; the smartphone with digital payment card acts like a physical payment card for.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-architectures-for-mobile-payments\">Architectures for mobile payments<\/h2>\n\n\n\n<p>To prevent fraud, cardholder data and cryptographic keys are stored securely in mobile phones. There are three common architectures for this:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Secure Element (SE):<\/strong> confidential data is stored in a special secure chip inside the device.<\/li>\n\n\n\n<li><strong>Trusted Execution Environment (TEE):<\/strong> a secure environment within the smartphone&#8217;s processor.<\/li>\n\n\n\n<li><strong>Cloud-based architectures:<\/strong> the first generation of mobile payments in the Netherlands worked via this method. Less secure but independent of companies like Apple and Google.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-advantages\">Advantages<\/h2>\n\n\n\n<p>Mobile contactless payment mainly offers consumers extra convenience:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>User-friendly:<\/strong> many users especially find approving payments with fingerprint or facial recognition easier than with a PIN.<\/li>\n\n\n\n<li><strong>Easy online payment:<\/strong> no data entry needed on the physical payment card. Those card details are securely transmitted automatically to the online shop.<\/li>\n\n\n\n<li><strong>Always in your pocket:<\/strong> some people are less likely to forget or lose their mobile phone than their wallet with payment cards and <a href=\"https:\/\/www.betaalvereniging.nl\/en\/knowledge-base\/cash-payments\/\" type=\"link\" id=\"https:\/\/www.betaalvereniging.nl\/en\/knowledge-base\/cash-payments\/\">cash<\/a>. On the phone, you can instantly review every payment.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-future-prospects\">Future prospects<\/h2>\n\n\n\n<p>The convenience of mobile contactless payments is driving continued growth in use. Apple and Google <strong>digital wallets<\/strong> are expected to remain the main tools for mobile card payments at the counter and online in the coming years.<\/p>\n\n\n\n<p>In the process, new concerns also arise:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Dependence on large non-European technology companies<\/strong>, which occupy an increasingly important position in the card payment chain.<\/li>\n\n\n\n<li><strong>Privacy issues<\/strong>, as wallet providers such as Apple and Google have potential insight into payment data.<\/li>\n\n\n\n<li><a href=\"https:\/\/www.betaalvereniging.nl\/en\/knowledge-base\/payments-for-all\/accessibility-and-inclusion\/\" type=\"link\" id=\"https:\/\/www.betaalvereniging.nl\/en\/knowledge-base\/payments-for-all\/accessibility-and-inclusion\/\">Accessibility<\/a><strong>:<\/strong> not everyone has a modern smartphone or can handle it well.<\/li>\n<\/ul>\n\n\n\n\t<div data-name=\"acf\/buttons\" class=\"mt-4 lg:mt-6\" >\n\t\t\n\t\t<ul class=\"flex flex-wrap gap-2 md:gap-6\">\n\t\t\t\t\t\t\t<li>\n\t\t\t\t\t\t\t\t\t\t\n\n\n\n<a\n\tdata-variant=\"primary\"\n\tdata-size=\"default\"\n\tclass=\"group inline-flex justify-center items-center gap-2 cursor-pointer text-sm md:text-md transition-[background,border-color,color] font-bold px-4 md:px-5 min-w-[52px] md:min-w-[60px] min-h-[52px] md:min-h-[60px] border-2 border-base-500 rounded-full bg-base-500 text-mint-500 underline-fade-in hocus:bg-mint-500 hocus:border-mint-500 hocus:text-base-500\"\n\n\t\n\t\t\thref=\"https&#x3A;&#x2F;&#x2F;www.pin.nl&#x2F;consument&#x2F;contactloos-betalen-met-betaalpas-of-mobiele-telefoon&#x2F;\"\n\t\n\t\t\ttarget=\"_blank\" rel=\"noopener\"\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t>\n\t\n\t\t\t<span data-button-text>\n\t\t\tFind out more about tap-to-pay at PIN.NL (in Dutch)\n\n\t\t\t\t\t\t\t<span class=\"sr-only\">Opent in een nieuw venster<\/span>\n\t\t\t\t\t<\/span>\n\t\n\t\t\t\t\t\t<span class=\" flex items-center justify-center w-[1em] h-[1em] icon \" aria-hidden=\"true\">\n\t\t\t<svg aria-hidden=\"true\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" fill=\"#000000\" viewBox=\"0 0 256 256\"><path d=\"M228,104a12,12,0,0,1-24,0V69l-59.51,59.51a12,12,0,0,1-17-17L187,52H152a12,12,0,0,1,0-24h64a12,12,0,0,1,12,12Zm-44,24a12,12,0,0,0-12,12v64H52V84h64a12,12,0,0,0,0-24H48A20,20,0,0,0,28,80V208a20,20,0,0,0,20,20H176a20,20,0,0,0,20-20V140A12,12,0,0,0,184,128Z\"><\/path><\/svg>\n\t\t<\/span>\n\n\t\t\t\n\t<\/a>\n\t\t\t\t<\/li>\n\t\t\t\t\t<\/ul>\n\t<\/div>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>More and more consumers are paying contactless with their mobile phones instead of debit cards. Services such as Apple Pay and Google Pay make it possible to use a smartphone or smartwatch to pay securely and quickly at the counter.<\/p>\n","protected":false},"featured_media":1423,"parent":18,"menu_order":0,"template":"","meta":{"_acf_changed":true,"editor_notices":[]},"btv_subject_tax":[16],"class_list":["post-2492","btv_wiki","type-btv_wiki","status-publish","has-post-thumbnail","hentry","btv_subject_tax-card-payments"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin  - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Mobile payments - Dutch Payments Association<\/title>\n<meta name=\"description\" content=\"Mobile payments via smartphone or smartwatch offer secure contactless checkout with tokenisation and biometric approval.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.betaalvereniging.nl\/en\/knowledge-base\/card-payments\/mobile-payments\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Mobile payments\" \/>\n<meta property=\"og:description\" content=\"Mobile payments via smartphone or smartwatch offer secure contactless checkout with tokenisation and biometric approval.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.betaalvereniging.nl\/en\/knowledge-base\/card-payments\/mobile-payments\/\" \/>\n<meta property=\"og:site_name\" content=\"Dutch Payments Association\" \/>\n<meta property=\"article:modified_time\" content=\"2026-02-26T10:01:01+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2021\/08\/BNL033-website-foto-2b-mobiel-610x163-1.png\" \/>\n\t<meta property=\"og:image:width\" content=\"610\" \/>\n\t<meta property=\"og:image:height\" content=\"163\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:site\" content=\"@NLbetalen\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"3 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.betaalvereniging.nl\/en\/knowledge-base\/card-payments\/mobile-payments\/\",\"url\":\"https:\/\/www.betaalvereniging.nl\/en\/knowledge-base\/card-payments\/mobile-payments\/\",\"name\":\"Mobile payments - 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