What is a SIM card with NFC and how is it useful?

[Mr. Nick]

Mobile operators offer customers SIM cards with NFC. You can use these devices to make contactless payments. You just need to install such a SIM card in your phone and link your bank card.

Content

1. What is a SIM card with NFC?
2. How to use NFC on a SIM card
3. Which carriers issue SIM cards with an NFC chip
4. MTS
5. Beeline
6. Megafon
7. Tele2
8. YOTA
9. Where to buy
10. Adding funds to your account
11. Conditions for using a SIM card on the example of Tele2
12. Your phone doesn't support NFC technology – what to do

What is a SIM card with NFC?​

This is a modified card that has a mobile connection and a built-in NFS module. The SIM card does not have its own antenna. A mobile network is used to communicate with the device during contactless payment.

Using a SIM card with an NFC module, you can:

• Pay for goods using contactless payment terminals. The main thing is that such a terminal should have the PayPass or payWave functions;
• Pay for travel on public transport. A phone with a SIM card that has an NFS can be used as a transport card. You don't need to pay a commission for the ticket.

On a note! When making a payment, make sure that the NFS is enabled in your smartphone settings. If this feature is disabled, you will not be able to transfer money.

What is a SIM card with NFC?​

This is a modified card that has a mobile connection and a built-in NFS module. The SIM card does not have its own antenna. A mobile network is used to communicate with the device during contactless payment.

Using a SIM card with an NFC module, you can:

• Pay for goods using contactless payment terminals. The main thing is that such a terminal should have the PayPass or payWave functions;
• Pay for travel on public transport. A phone with a SIM card that has an NFS can be used as a transport card. You don't need to pay a commission for the ticket.

On a note! When making a payment, make sure that the NFS is enabled in your smartphone settings. If this feature is disabled, you will not be able to transfer money.

To turn a mobile device into an electronic wallet, you need:

1. Check your gadget's settings to see if it has an NSF interface.
2. Buy a SIM card with the built-in module.
3. Attach a bank card to your mobile phone.

A SIM card with an NFC chip replaces a debit or credit card. The user no longer needs to carry plastic around with them. All purchases can be made using this SIM card. It serves as an analog of a bank card account.

Positive	Minuses
No need to carry bank cards with you. All operations can be performed using a SIM card from your phone. This also applies to transport cards.	If your smartphone's battery runs out, you won't be able to make a payment. You'll have to charge your device.
You can not be afraid of losing plastic and stealing funds. Third parties don't recognize your plastic card details.	There are limits. If the purchase amount is higher than a certain amount, then you need to pass authorization. Enter a password or code from the text message.
Money is transferred from your phone in 2-3 seconds.	A SIM card with the NFS can only be purchased from a mobile operator. When replacing the SIM card, the number remains the same.
Replacing a SIM card with an NSF is free of charge. Operators do not charge customers for this service.	You need to install apps from banks or mobile operators to link your bank card.

How to use NFC on a SIM card​

The procedure is as follows:

1. Install a SIM card with an NFC chip on your smartphone. It can be purchased at the mobile operator's office. Remove the back cover of the smartphone and insert a new one instead of the old SIM card.
2. Enable the NFS in the settings. Go to the section with wireless networks. Click on the "More" button. Activate the "Allow data exchange via NFC" function.
3. Attach the bank card to the SIM card number that is installed on the smartphone. Additionally, you can install a payment app depending on the device OS type.
4. If necessary, we pass authorization on the mobile operator's website to work with the NFS. Confirmation is made using an SMS code that is sent to your phone. Sometimes the operator or bank also requires you to download their app for NFC transfers.
5. We go to a store that has a contactless payment terminal.
6. We are trying to pay for the product using your phone number. Enable the built-in module in the settings. We attach the gadget to the terminal. The distance between devices should not exceed 10 cm. Otherwise, the transfer will fail. Making a payment. The money will be debited from the linked bank card within a couple of seconds.
7. After purchasing the product, disable the NFS and remove the phone.

The payment procedure via a SIM card with NFC module is simple. The chip communicates with the linked bank card and creates a virtual copy of it. It is used to transfer funds to the seller.

Which carriers issue SIM cards with an NFC chip​

You can buy such SIM cards in the salons of your mobile operator. But before you go there, you'd better call the company's hotline. Find out which offices have NFC-enabled SIM cards available.

The fact is that this is a non-marketable product. Therefore, not everywhere they can be found in stock. You may need to order such a device and wait for several days.

Today, 5 mobile operators of the Russian Federation offer SIM cards with a built-in NFS module. These are large companies whose services are used by almost everyone.

MTS​

Owners of MTS SIM cards with NFC chip make payments directly from their phone. Funds are transferred using a contactless method. You can pay for the product via the PayPass or payWave payment terminal. Or buy a ride on public transport.

You can find a SIM card in MTS mobile offices. You can find out the addresses of such points in the city on the company's website. Call the operator's hotline in advance and find out where you can pick up your SIM card. You may already have a SIM card with the NFS module installed. Then all you have to do is set up contactless data transfer.

Beeline​

The company was one of the first companies to implement NFC technology in their SIM cards.
To transfer your smartphone to a mobile wallet, you need:

1. come to the operator's office;
2. replace the standard SIM card with the required card;
3. insert it into the gadget;
4. set up data transfer in your phone;
5. attach a bank card.

Replacing a SIM card with a new one is free of charge. The phone number is saved. The mobile operator also offers customers its own payment card. You can use it in the Beeline Map app. Plastic allows you to pay via NFC.

Megafon​

Mobile operator Megafon changes old SIM cards to new SIM cards with NFC. To do this, you need to come to the company's office and contact a consultant with this request.

Important! Not all gadgets support NSF. If your smartphone doesn't have this technology, then it doesn't make sense to change your SIM card.

Tele2​

Tele2 SIM cards with NFC module work through the Mobile Ticket app. You can use this program to pay for public transport fares. Contactless purchases are also available through payment apps. The main thing is that the terminal should have the PayPass or payWave tag.

You can get a SIM card at the Tele2 office. Current addresses and opening hours of ground stations are listed on the operator's website. Before you go there, call the support service. They should tell you in which office you can change the SIM card to a new one with the NFS.

YOTA​

This company does not lag behind other operators. Here, users can also purchase a SIM card with a built-in module.

Moreover, there are 3 options available:

• nano;
• micro;
• regular.

The choice depends on the slot where the SIM card is inserted. Contactless payment is available after activating the SIM card and NFS on your smartphone. It is up to the user to decide which bank card the money will be debited from. You just need to link the required plastic to your mobile number.

Where to buy​

SIM cards with NFC module are issued only by mobile operators. For example, if you have an MTS number, but you need to go to the office of this company. They should give out a new SIM card for free. This also applies to other telecom operators.

Can I buy a SIM card with NFC in a regular electronics store? No, such companies do not sell such devices. They don't have that option. The only way out is to go to your carrier's office and ask for a SIM card there.

Adding funds to your account​

To make a contactless payment, it is important that you have the required amount on your account. Otherwise, the merchant's terminal will not charge the funds. The payment will be canceled.

You can deposit the required amount to your account via:

• ATM machine;
• bank's cash desk;
• mobile internet banking;
• mobile operator's terminal.

Procedure for adding funds to your account via the bank's cash desk:

1. We arrive at the nearest office of the issuer that issued the card.
2. Go to the ticket office.
3. Please make the required payment.
4. We dictate the card number or give you paper banking details.
5. We pay the bill.

The money will arrive within a few minutes. If you added funds to your account via a third-party bank's sales register, the deposit time will increase. In this case, the funds will reach you within a day.

Conditions for using a SIM card on the example of Tele2​

After purchasing a SIM card with the NFS in Tele2, we insert it into the mobile device. The next step is to set up data transmission.

You need to perform the following steps:

1. Open the "Settings" menu in your phone.
2. Go to the "Wireless networks" section and find the NFC item. If it doesn't exist, then the built-in module is missing from the smartphone.
3. Installing a new SIM card. Click on the "More" button in the open section.
4. Activate the "Data exchange" option. It will be active in 3-5 seconds.
5. Download the payment app for linking a bank card. This can be a "Mobile ticket" for paying for travel. Or another program from a bank or mobile operator.

To fully deactivate the built-in module in your smartphone, you need to:

• go to wireless network settings;
• disable data exchange via the NFS

If you do not plan to use a SIM card with the NFS and the operator's services, you can deactivate it. This is done at the mobile company's office.

Payment process via SIM card with NFC chip in Tele2 is simple:

1. Removing the lock on your phone.
2. Enable the NSF function in the settings.
3. In the payment app, select the card to pay for.
4. We bring the back side of the phone to the terminal.
5. We are waiting for the money to be debited.

Your phone doesn't support NFC technology – what to do​

Not all mobile devices have an NFC module. This is especially true for older smartphones. Go buy a new gadget right away is not worth it.

You can do with cheaper options:

• Setting the NFC tag. This is a flat microchip that is attached to a mobile device. You can use Yandex. Metrica to make payments and transfer files in a contactless way. It is easily attached to the gadget panel or case. You can buy such a device in an electronics store. After installation, we install a program for managing placemarks. We set the appropriate command and check its operation. The main disadvantage of NFC tags is the limited amount of memory.
• Installing an NFC antenna. This is a module that consists of a chip and an external antenna. This device is placed together with the SIM card in the smartphone. You can also purchase an NFC antenna at an electronics store. For contactless payment, you will need to install the payment app and link your bank card.

There are several ways to check for the NSF function in your smartphone. The first step is to inspect the back panel of the gadget or the battery. There should be a corresponding label. You can find out whether there is a built-in module or not in the settings. If there is no NFC tab in the "Wireless Networks" section, then this function is missing.

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