{"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":"2026-09-08T22:34:57","modified_gmt":"2026-09-08T20:34:57","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 id=\"h-differences-between-mobile-and-with-card\" class=\"wp-block-heading\">Differences between mobile and with card<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">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>The <strong>cell phone screen must be on<\/strong> for wireless communication with the payment terminal.<\/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 stored digitally in a banking app or wallet app (a digital wallet for smartphones). A physical debit card is usually sent by mail.<\/li>\n\n\n\n<li>A digital debit card uses a <strong>unique card number<\/strong> that works only 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 id=\"h-how-does-mobile-contactless-payment-work\" class=\"wp-block-heading\">How does mobile contactless payment work?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">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 class=\"wp-block-paragraph\">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 id=\"h-architectures-for-mobile-payments\" class=\"wp-block-heading\">Architectures for mobile payments<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">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 id=\"h-advantages\" class=\"wp-block-heading\">Advantages<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">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> With Google Pay or Apple Pay, you don&#8217;t need to enter your physical payment card information. Your payment card details are securely transmitted to the online store automatically.<\/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 id=\"h-future-prospects\" class=\"wp-block-heading\">Future prospects<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">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 class=\"wp-block-paragraph\">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\t<div data-name=\"acf\/working-groups\" class=\"alignfull\" >\n\t\t<div class=\"ll-container\">\n\n\t\t\t\n\t\t\t<div class=\"space-y-4 @container\">\n\n\t\t\t\t\t\t\t\t\t<h2 class=\"mb-4 text-xl md:text-2xl break-words\">Working together on reliable card payments<\/h2>\n\t\t\t\t\n\t\t\t\t<ul class=\"items-stretch grid-cols-1 gap-8   grid\">\n\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t<li class=\"@container\">\n\t\t\t\t\t\t\t\n<div data-component=\"teaser-post\" class=\"relative flex h-full bg-ocean-50 hover:bg-ocean-100 focus-within:bg-ocean-100 transition-colors flex-col @5xl:flex-row \">\n\t\t\t<div class=\"relative aspect-video image:absolute image:w-full image:h-full image:object-cover shrink-0 w-full @5xl:w-1\/2 @5xl:h-full\">\n\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"848\" height=\"545\" src=\"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/10\/Hand-met-verschillende-betaalpassen.png\" class=\"attachment-large size-large\" alt=\"\" srcset=\"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/10\/Hand-met-verschillende-betaalpassen.png 848w, https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/10\/Hand-met-verschillende-betaalpassen-300x193.png 300w, https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/10\/Hand-met-verschillende-betaalpassen-768x494.png 768w\" sizes=\"auto, (max-width: 848px) 100vw, 848px\" \/>\n\t\t<\/div>\n\t\n\t<div class=\"flex flex-col p-6 grow @4xl:p-10 @5xl:gap-8 @5xl:justify-between w-full  @5xl:w-1\/2\">\n\t\t<div class=\"flex flex-col gap-2 @4xl:gap-4\">\n\t\t\t<h3 class=\"order-2 font-normal break-words text-md @md:text-lg @4xl:text-xl\">\n\t\t\t\t<a href=\"https:\/\/www.betaalvereniging.nl\/en\/working-groups\/cards-working-group\/\" class=\"absolute-link underline-fade-in\">\n\t\t\t\t\tCards Working Group\n\t\t\t\t<\/a>\n\t\t\t<\/h3>\n\n\t\t\t\t\t\t\t<p class=\"order-3 text-sm @md:text-base\">\n\t\t\t\t\tThe Cards Working Group monitors developments in card payments in the Netherlands and discusses their implications for policy, legislation and standards. The working group contributes to secure, efficient and reliable payments at the point of sale and online.\n\t\t\t\t<\/p>\n\t\t\t\t\t<\/div>\n\t<\/div>\n<\/div>\n\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<\/ul>\n\n\t\t\t\t<ul class=\"grid items-stretch grid-cols-1 gap-4 hidden\">\n\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t<li class=\"@container\">\n\t\t\t\t\t\t\t\n<div data-component=\"teaser-post\" class=\"relative flex h-full bg-ocean-50 hover:bg-ocean-100 focus-within:bg-ocean-100 transition-colors flex-col @5xl:flex-row \">\n\t\t\t<div class=\"relative aspect-video image:absolute image:w-full image:h-full image:object-cover shrink-0 w-full @5xl:w-1\/2 @5xl:h-full\">\n\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"848\" height=\"545\" src=\"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/10\/Hand-met-verschillende-betaalpassen.png\" class=\"attachment-large size-large\" alt=\"\" srcset=\"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/10\/Hand-met-verschillende-betaalpassen.png 848w, https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/10\/Hand-met-verschillende-betaalpassen-300x193.png 300w, https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/10\/Hand-met-verschillende-betaalpassen-768x494.png 768w\" sizes=\"auto, (max-width: 848px) 100vw, 848px\" \/>\n\t\t<\/div>\n\t\n\t<div class=\"flex flex-col p-6 grow @4xl:p-10 @5xl:gap-8 @5xl:justify-between w-full  @5xl:w-1\/2\">\n\t\t<div class=\"flex flex-col gap-2 @4xl:gap-4\">\n\t\t\t<h3 class=\"order-2 font-normal break-words text-md @md:text-lg @4xl:text-xl\">\n\t\t\t\t<a href=\"https:\/\/www.betaalvereniging.nl\/en\/working-groups\/cards-working-group\/\" class=\"absolute-link underline-fade-in\">\n\t\t\t\t\tCards Working Group\n\t\t\t\t<\/a>\n\t\t\t<\/h3>\n\n\t\t\t\t\t\t\t<p class=\"order-3 text-sm @md:text-base\">\n\t\t\t\t\tThe Cards Working Group monitors developments in card payments in the Netherlands and discusses their implications for policy, legislation and standards. The working group contributes to secure, efficient and reliable payments at the point of sale and online.\n\t\t\t\t<\/p>\n\t\t\t\t\t<\/div>\n\t<\/div>\n<\/div>\n\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<\/ul>\n\n\t\t\t\t\t\t\t\t\t<div class=\"flex justify-end\">\n\t\t\t\t\t\t\n\n\n\n<a\n\tdata-variant=\"link\"\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] min-w-[52px] md:min-w-[60px] min-h-0 md:min-h-0 px-0 md:px-0 pt-2 pb-1 border-b-2 font-bold border-b-transparent text-base-500 hocus:border-b-current\"\n\n\t\n\t\t\thref=\"https&#x3A;&#x2F;&#x2F;www.betaalvereniging.nl&#x2F;en&#x2F;working-groups&#x2F;cards-working-group&#x2F;\"\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\n\t\t\t<span data-button-text>\n\t\t\tMore about the Cards Working Group\n\n\t\t\t\t\t<\/span>\n\t\n\t\t\t\t\t\t<span class=\"transition-transform group-hover:translate-x-2 group-focus-visible:translate-x-2 flex items-center justify-center w-[1em] h-[1em] icon \" aria-hidden=\"true\">\n\t\t\t<svg aria-hidden=\"true\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n<path d=\"M21.3105 10.9395L21.4141 11.0537C21.8942 11.6429 21.8596 12.5115 21.3105 13.0605L13.5 20.8711L11.3789 18.75L16.6289 13.5H2.25V10.5H16.6289L11.3789 5.25L13.5 3.12891L21.3105 10.9395Z\" fill=\"currentColor\"\/>\n<\/svg>\n\n\t\t<\/span>\n\n\t\t\t\n\t<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\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":false,"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=\"2026-09-08T20:34:57+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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