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Mobile payments – what are their types?

Mobile payments are modern financial solutions that are gaining popularity due to their convenience and speed. In the era of smartphones and mobile applications, more and more people use various forms of mobile payments to make transactions without the need to use cash or payment cards. What are the types of mobile payments?

NFC contactless payments

NFC (Near Field Communication) contactless payments are one of the most popular forms of mobile payments. NFC technology enables wireless communication between devices over short distances, allowing you to make payments quickly and securely. Just bring your smartphone close to the payment terminal to complete the transaction.

How do NFC contactless payments work?

NFC contactless payments work on the principle of wireless communication between a smartphone and a payment terminal. Your phone must have a payment application installed, such as Google Pay, Apple Pay or Samsung Pay, which stores your payment card details. During payment, the user brings the phone close to the terminal and NFC technology transmits transaction data, which is then authorized by the bank.

Advantages of NFC contactless payments

NFC contactless payments are fast and convenient, which makes them ideal for everyday situations such as shopping in a store or paying in a restaurant. Additionally, this technology is safe because payment card data is encrypted and not stored on the terminal. If you lose your phone, you can remotely block the payment application, which minimizes the risk of unauthorized transactions.

Mobile payments using digital wallets

Digital wallets are applications that store payment card details and allow you to make payments using your smartphone. Examples of popular digital wallets include Apple Pay, Google Pay, and Samsung Pay. Digital wallets can be used in both physical and online stores.

How do mobile payments with digital wallets work?

Mobile payments using digital wallets involve the use of an application that stores payment card details. The user can make payments by holding the smartphone close to the payment terminal (in the case of contactless payments) or by selecting the digital wallet payment option on the store's website. Transactions are authorized using biometrics (e.g. fingerprint) or PIN.

Advantages of mobile payments with digital wallets

Digital wallets offer convenience and security. They enable quick payments without the need to carry physical payment cards. Digital wallets often offer additional features, such as the ability to store loyalty cards or e-tickets. Thanks to advanced security mechanisms such as tokenization, payment card data is protected against unauthorized access.


Mobile payments using banking applications

Banking apps are another popular form of mobile payment. Most banks offer their clients mobile applications that enable account management, transfers and payments via smartphone. These applications often integrate various payment methods, for example instant transfers, BLIK payments or QR code scanning.

How do mobile payments work using banking applications?

Mobile payments using banking applications involve using the functions available in the bank's mobile application. The user can order a transfer, pay for purchases online or in a stationary store, using various payment methods offered by the bank. Banking applications often also allow you to manage payment cards, set transaction limits and monitor the history of operations.

Benefits of performing transactions using banking applications

Mobile payments using banking applications are convenient and safe. The user has full control over their finances, and all transactions are protected by advanced security mechanisms such as two-factor authentication. Banking applications often offer additional functions, for example the ability to block a card if it is lost or take advantage of promotions and discounts available to application users.

BLIK mobile payments

BLIK is a Polish mobile payment system that has gained great popularity thanks to its simplicity and versatility. It allows you to make payments in stationary and online stores, withdraw cash from ATMs and send money to a telephone number.

How do BLIK mobile payments work?

BLIK mobile payments involve generating one-time codes that are used to authorize transactions. The user logs in to his bank's mobile application, generates a BLIK code and enters it on the payment terminal or in the online payment form. The transaction is then confirmed in the banking application.

Advantages of BLIK mobile payments

BLIK is fast, convenient and safe. It allows you to make payments without the need to have a payment card, which is especially useful in situations where the card has been lost or blocked. BLIK also allows you to send money to a phone number, which is a convenient solution for settlements between friends or family.

Mobile payments using QR codes

Mobile payments using QR codes are another innovative method that is gaining popularity. QR codes can be scanned using mobile applications, allowing you to make payments quickly and securely.

How do mobile payments using QR codes work?

Mobile payments using QR codes involve scanning a QR code using a bank's mobile application or other payment application. The QR code contains information about the transaction such as the amount and recipient details. After scanning the code, the user confirms the payment in the application and the funds are transferred to the recipient's account.

Advantages of mobile payments using QR codes

Payments via QR codes are fast and convenient because they do not require entering data manually. They are also secure because transaction data is encrypted and sent directly between devices. QR codes can be used in both physical and online stores, making them a versatile solution.

Peer-to-peer (P2P) mobile payments

Peer-to-peer (P2P) mobile payments allow you to transfer money from person to person using mobile applications. Examples of popular P2P apps include PayPal, Venmo, CashApp, and Zelle. P2P payments are a convenient solution for settlements between friends, family or colleagues.

How do peer-to-peer (P2P) mobile payments work?

P2P mobile payments involve transferring money from person to person using a mobile application. The user enters the amount and recipient details (e.g. telephone number or e-mail address) in the application and then confirms the transaction. Funds are transferred to the recipient's account in real time or within a few minutes.

Advantages of peer-to-peer (P2P) mobile payments

P2P payments are fast, convenient and secure. They enable easy settlements between people without the need to use cash or traditional bank transfers. P2P applications often offer additional features, such as the ability to split bills or send payment reminders. Thanks to advanced security mechanisms such as two-factor authentication, P2P payments are protected against unauthorized access.


Mobile payments are modern and convenient solutions that are gaining popularity thanks to their speed and security. Each method has its own unique advantages and can be adapted to the individual needs of users. With a variety of mobile payment options, everyone can find a solution that best suits their lifestyle and financial preferences.

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