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?
It can work without internet only for amounts below 2000 rupees, and only if you’ve enabled that option.
How does the phone confirm the payment without a network? With NFC the phone has a low bandwidth connection to the payment terminal that’s enough to sign the transaction.
EDIT: I found it. It uses special phone codes that still use the mobile network to do the payment. If I understand correctly it would still not work in places where there’s no reception, like some large buildings or air planes.
Yes, you need a phone network, but not internet. Also there is a small charge.