Sometimes on phone reviews I read that a certain model, often one released in a Western market, uses NFC for payment. In my country, mobile payments use QR codes so any phone with a camera can use them. Does NFC have any advantage over such a system?
I know Apple Pay does tend to be more secure than just a card. It gives them a token as opposed to just your card number. So that is one argument. It’s actually quite secure.
I’m not sure if it works the same way, but Google Wallet uses a virtual card number as well as needing the phone unlocked. There a layer of obfuscation over using a contactless card, that I like.
I am not familiar with how Google Pay works, I just know Apple Pay only gives out a token.