Payments

NFC Wearables for Payment Systems

NFCKEY is an NFC wearable that can be used as a payment credential within supported payment systems. It enables secure, contactless payments by functioning like a traditional bank card at the point of payment, while all authorization,tokenisation, transaction security, and settlement remain fully managed by the underlying bank and payment infrastructure.

Application

Payments & Contactless Transactions

Examples

Retail payments, unattended self-service terminals, closed-loop payment systems, prepaid and stored-value programs

Credential Management

System-managed (payment platform–controlled)

Important

When enabled for payments, NFCKEY can be used in place of a physical bank card for everyday contactless payments, while the underlying bank account and payment system remain unchanged.

Payment credentials stored on NFCKEY are provisioned, secured, and authorised through bank- or platform-approved flows, in the same way as standard contactless cards or payment wearables.

NFCKEY is not a payment system on its own. All payment authorization, fraud controls, compliance, and settlement are handled by the payment infrastructure.

What NFCKEY Replaces in Payment Systems

What NFCKEY replaces

Physical plastic bank cards used for contactless payments

Other NFC payment wearables or physical payment identifiers

Disposable or frequently replaced payment cards

NFCKEY operates as an NFC tap-to-pay identifier, presented to payment terminals in the same way as a traditional contactless bank card.

What NFCKEY does not replace

Payment terminals or NFC readers

Issuing banks or card networks

Authorization, settlement, or fraud-detection systems

NFCKEY does not approve, route, or settle payments on its own.
All payment decisions remain system-controlled.

How NFCKEY Is Commonly Used for Payments

In payment use cases, NFCKEY is commonly used for:

Everyday purchases - paying at supermarkets, cafés, and takeaway counters by tapping NFCKEY on a contactless terminal
Unattended terminals - vending machines, coffee machines, parking meters, and other self-service kiosks
Closed-loop environments - campuses, workplaces, resorts, or events where payments are linked to a prepaid balance

Users can add, remove, or manage payment credentials on NFCKEY through supported bank or wallet provisioning flows, just like with a standard bank card or payment wearable.

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Benefits of Using NFCKEY for Payments

When enabled for payments, NFCKEY offers practical advantages as a wearable payment credential

Always-With-You Form

Wearable stays attached to keys, bags, or lanyards — enabling everyday payments without needing to carry a bank card

Fast Tap-and-Go Experience

Instant contactless transactions — matching the speed and reliability of standard bank cards

Familiar Payment Flow

Operates with system-defined payment logic — preserving existing authorization, tokenisation, and settlement workflows

Custom Design

Brand-specific designs and finishes — allowing discreet, neutral appearance without overt bank or card branding

IP68-Compliant Construction

Built to IP68 ingress protection standards — resistant to water, dust, sweat, and everyday handling

Reduced Card Replacement

Durable alternative to plastic cards — lowering the need for frequent re-issuance

Who Uses and Who Manages NFCKEY in Payment Systems?

Who uses NFCKEY

NFCKEY is used by end users as a wearable contactless payment credential
Users present NFCKEY at payment terminals in the same way as a traditional contactless bank card when making everyday payments

Who manages NFCKEY

NFCKEY payment functionality is issued, provisioned, and managed by the payment system, such as a bank, card issuer, wallet provider, or payment platform
End users do not manage payment logic, security parameters, or transaction rules themselves
All payment credentials are controlled through issuer- or platform-approved provisioning flows

Typical setup and usage flow

The payment system defines accounts, balances, limits, and security rules
A payment credential is provisioned to NFCKEY through a supported bank or wallet flow
NFCKEY is linked to the user’s payment account or tokenised card
Payment terminals read NFCKEY during transactions

NFCKEY functions solely as a wearable NFC payment credential. All payment authorization, tokenisation, fraud controls, settlement, and compliance remain fully system-controlled within the payment infrastructure.

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What's next?

Confirm compatibility with your preferred bank or payment platform
Provision a payment credential through supported flows
Use NFCKEY like a standard contactless bank card
Once enabled, NFCKEY can be used as an NFC payment wearable and a bank card replacement in daily use within supported payment systems.

Explore NFCKEY Design Options Check Out Chip Types We Offer

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