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?
The way it is implemented in my country, the QR itself is just a standard QR code that tells your phone the recipient’s phone number / upi address. So you could, say, replace a shop’s QR code with yours and get any money customers send them, although it would be pretty easy for the police to find you.