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youngalfred☹️ no nfc
What is nfc?
Near field communication - it’s an antenna that sits inside the back case and let’s your phone interact with payment terminals and the like that support it.
You can add your tap and pay card to your phone and tap your phone instead.
… you could just put your card on the back of the phone too
The phone can support multiple cards, eg credit cards and transit. Those readers usually won’t work if you stack two cards together.
And biometric pin
NFC payments are more secure than card payments.