NFC wallets on mobile devices can hold your credit cards, debit cards, transit passes, loyalty cards, and other items as well. They are pretty handy, assuming there is an NFC terminal present when you make a transaction, and of course have an NFC enabled phone.
The NFC wallet was unleashed to the masses with Google Wallet in 2011. Initially just an NFC wallet which contained debit and credit cards, it expanded into a payment service shortly after.
Apple appeared to be late to the game, making their own NFC wallet, Apple Pay, public in 2014. The Apple approach is more secure than Google’s, generating single use codes for transactions. Apple Pay debuted both as an NFC wallet and a payment service.
Microsoft on the other hand has left the implementation of an NFC wallet up to individual carriers. There has been an app called Wallet in the OS since Windows Phone 8, but it’s just that – a wallet used for Store and in app purchases. It also has some Apple Passbook compatibility, though I am unfamiliar with the full extent of this functionality.
Under the NFC settings on Windows Phone, there’s a toggle for turning NFC on or off, and another toggle for NFC payments, with a disclaimer that an Enhanced SIM is required to use this feature. A third party app, SoftCard, is required to act as an NFC wallet, further complicating and hobbling this feature.
I live in a rural area, and I use a regional carrier. An Enhanced SIM is impossible for me to obtain from my carrier, and the carrier only recently completed its upgrade to “4G” (enhanced 3G) and has no plans for LTE, let alone VoLTE which also requires an Enhanced SIM. I have a feeling that most of Microsoft’s target markets, developing nations, are in a boat not too different from my own, so only a small subset of Windows Phone users even have a chance to use SoftCard, or a similar app.
A good friend of mine is fortunate enough to have SoftCard and an Enhanced SIM too, in a Lumia 925. However, he has not been able to make it work properly for a single purchase. That experience, in addition to the extended wait for the Lumia Denim update, helped prod him over to iOS this month.
I have tweeted to a few Microsoft employees and the Lumia US handle as well for comment about the possibility of adding a native NFC wallet to Windows Phone or Windows 10 on phones, but have not received a response.
With Apple Pay now being okayed for National Park admission fees and the depositing of Social Security benefits, I hope Microsoft sits up and takes notice of the NFC wallet phenomena soon, or I too might be migrating to an iPhone.