Mobile Payments Taking Over eCommerce


Mobile Payments Aspects

  • NFC Mobile Payments
  • Browser-Based Mobile Payments
  • In-App Mobile Payments
  • Peer-to-Peer Mobile Payments

NFC Mobile Payments

NFC (near field communication) (near field communication) Mobile Payments are the methods through which mobile devices and NFC-enabled point-of-sale systems collaborate to conduct transactions. Each device exchanged encrypted information in order to execute a purchase in seconds. Apple Pay, Samsung Pay, and Google Pay are all mobile payment systems that work with NFC technology.

Browser-Based Mobile Payments

Browser-based mobile payments, like desktop-based ecommerce purchases, are done by the consumer utilising CNP (card-not-present) that may be incorporated to your eCommerce mobile checkout page. To complete a purchase, they must use a smartphone or tablet to enter their debit card, credit card, gift card, and occasionally ACH banking information. Customers may also utilise systems like Apple Pay, Samsung Pay, PayPal, Shop Pay, Amazon Pay, and Google Pay on some eCommerce sites, which automatically save your payment and delivery information for a speedier checkout experience.

In-App Mobile Payments

In-app mobile payments are similar to mobile browser payments in that they take place within the store’s mobile app. The primary distinction with this sort of payment is that you may enter your payment information only once, and the app will identify and preserve it for future usage. Amazon is the app that everyone is acquainted with that includes this capability. Amazon may safely record various payment and delivery addresses under your personal account for a smooth checkout experience, and buyers can just swipe to buy their purchases.

Peer-to-Peer Mobile Payments

P2P payments, also known as P2P transactions, occur when two users transfer money to one other over a mobile app. Venmo, PayPal, Zelle, Cash App, Google Pay, and Apple Pay Cash are examples of this. Users may rapidly transfer cash by entering their bank account, debit card, or credit card information into the programme. Recently, certain retail locations, including Forever 21, Lululemon, Hollister, and 5 Below, have begun to accept Venmo as a direct means of payment by scanning your Venmo QR code. Small companies may also utilise this technology for convenience and to avoid the costs associated with an NFC payment system.

What Are the Benefits of Mobile Payments?


The online transaction experience alone provides convenience to buying, but the integration of mobile payments has increased the efficiency of this process. There is absolutely no need to carry your wallet when it comes to in-store convenience. You will be able to conduct a transaction in the palm of your hand if you have an NFC payment system installed on your smart device, such as Apple Pay or Google Pay.


Everyone wants to hear how quickly something works, and happily, all of these mobile payment forms can be accomplished with the push of a button. You may finish a transaction in seconds when you utilise mobile payments. Customers can complete transactions using automatic systems that save information, such as NFC, In-App, Peer-to-Peer, and Browser-Based Mobile Payments.


Most people are concerned about how secure these forms of payments are, since there is always fear about the internet and personal information. However, one advantage of using mobile payments is that it offers a degree of protection that your debit or credit card does not. Apple Pay and Google Pay protect your bank information by substituting it with a token, which is a string of randomly generated integers. Peer-to-peer networks offer their own set of security safeguards, such as employing bank-level encryption to protect your data. They also have PIN number functions for further protection.

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