How to Use Your Cell Phone to Pay by Proximity in 2025

ByMaria Carlisa
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With the advancement of technology, pay by contactless with your mobile phone in 2025 has become an increasingly common and safe practice.

With the use of digital wallets and payment systems via NFC (Near Field Communication), consumers can make purchases quickly and easily without the need to carry physical cards.

In this comprehensive guide, you will discover how to set up and use contactless payment, the best security practices and the main applications available on the market.

What is Contactless Payment?

Contactless payment is a technology that uses the NFC (Near Field Communication), allowing the exchange of information between devices simply by being close.

To pay by contactless with your mobile phone in 2025, simply bring the device close to a compatible payment machine, without the need to insert the card or enter passwords, which provides greater convenience and security.

How does NFC work?

NFC technology works in a similar way to contactless cards. When the cell phone is brought close to a payment terminal, it sends the information of the card registered in the digital wallet in an encrypted manner.

This means that actual card details are not shared, increasing transaction security.

Main Advantages of Paying by Proximity with Mobile Phones in 2025

  1. Practicality: Eliminates the use of physical wallets and cards.
  2. Security: Uses advanced encryption, reducing the risk of card cloning.
  3. Speed: Transactions are completed within seconds.
  4. Hygiene: Ideal in environments where physical contact must be minimized.
  5. Ease of Monitoring: Digital wallets allow you to track transactions in real time.

How to Set Up Contactless Payment on Your Mobile Phone

To start pay by contactless with your mobile phone in 2025, you need to set up a digital wallet on your smartphone. Here's how to do this on the main operating systems:

1. Setting up Google Pay (Android)

  1. Download the App: Go to the Google Play Store and download the Google Pay.
  2. Add a Card: Enter your credit or debit card information.
  3. Check Card: Follow your bank's validation process.
  4. Turn on NFC: In your phone settings, activate the NFC option to make payments.

2. Setting up Apple Pay (iOS)

  1. Open the Wallet App: On your iPhone, go to the Wallet app.
  2. Add Card: Tap “Add Card” and follow the instructions.
  3. Confirm with the Bank: The card must be validated by the financial institution.
  4. Turn on NFC: Make sure the NFC feature is enabled.

3. Setting up Samsung Pay (Samsung)

  1. Download Samsung Pay: Available on the Galaxy Store or Google Play Store.
  2. Initial Configuration: Enter your card details and verify with the bank.
  3. Enable NFC Usage: Enable NFC in your phone settings for quick payments.

Step by Step: How to Pay by Proximity with Your Cell Phone

  1. Unlock your phone: Use biometrics or password to access the device.
  2. Open Digital Wallet: Select the desired card from Google Pay, Apple Pay, or Samsung Pay.
  3. Bring your phone close to the payment machine: Keep the device close to the terminal.
  4. Wait for Confirmation: Payment will be completed automatically, without the need for physical contact.

Security Tips for Paying by Proximity with Your Cell Phone in 2025

Security in digital transactions is essential. Check out the best practices to ensure the protection of your financial data:

  • Enable Biometric Authentication: Use facial recognition or fingerprint to authorize payments.
  • Use Strong Passwords: Avoid obvious passwords, such as birth dates or number sequences.
  • Update Applications and Operating System: Keeping your device up to date is crucial to avoid vulnerabilities.
  • Monitor Transactions: Activate notifications from your bank to be alerted in real time about each purchase.
  • Disable NFC When Not in Use: This prevents your phone from connecting to unknown devices.

Top Mobile Contactless Payment Apps for 2025

There are several digital wallet options that allow contactless payments:

  • Google Pay: Ideal for Android devices. Supports credit, debit cards and loyalty programs.
  • Apple Pay: Works on Apple devices (iPhone, iPad, Apple Watch). Provides high security with Face ID and Touch ID.
  • Samsung Pay: In addition to NFC, it supports MST technology, which expands compatibility with older machines.
  • PicPay and Mercado Pago: Brazilian alternatives that offer payment via QR Code and proximity.

Where to Use Contactless Payment with Mobile Phones?

The acceptance of contactless payments has grown significantly. Here’s where you can use this technology:

  • Supermarkets: Large chains such as Carrefour, Pão de Açúcar and Extra accept contactless payments.
  • Retail Stores: Renner, Riachuelo and Magazine Luiza already have compatible terminals.
  • Public Transport: In some cities, paying for subway and bus tickets is now possible via cell phone.
  • Gas Stations: Shell and Ipiranga gas stations, for example, accept digital wallets.
  • Restaurants and Fast Foods: Chains such as McDonald's, Burger King and iFood also accept contactless payments.

The Future of Contactless Payment: What to Expect in 2025 and Beyond?

With the advancement of 5G, contactless payment tends to become even more efficient.

Furthermore, the use of wearables, such as smart watches and bracelets, will allow consumers to make payments without having to carry their cell phones. Other trends include:

  • Payments via the Internet of Things (IoT): Smart refrigerators and connected cars will be able to make purchases automatically.
  • Increased Security: New authentication methods, such as the use of advanced biometrics, will be available.
  • Voice Payments: Virtual assistants such as Alexa and Google Assistant will be able to make payments using just voice commands.

Possible Problems and How to Solve Them

Although the technology is practical, some problems may arise when pay by contactless with your mobile phone in 2025:

  • NFC Does Not Work: Restart your phone and make sure NFC is turned on.
  • Error in Digital Wallet Application: Update the app or reinstall it.
  • Card Machine Does Not Recognize Payment: Try using another payment method or restarting the machine.
  • Authentication Not Accepted: Reconfigure authentication methods (biometrics or password).

Yes, it is worth it! Contactless payment with your mobile phone offers a combination of security, practicality and efficiency.

For those looking for agility and want to avoid using physical cards, this is an excellent alternative.

Furthermore, the technology is widely accepted and more and more establishments are prepared for this form of payment.

If you don't already use this technology, set up your digital wallet now and experience the ease of use. pay by contactless with your mobile phone in 2025. Enjoy all the benefits of this innovation and simplify your everyday shopping!

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