How do you pay with your smartphone?

You can make mobile payments via a QR code with every smartphone, but you'll need the right phone for payments via NFC. We'll also give tips on the Payconiq app and payments at the cashier.

1. Smartphone with NFC
2. Payconiq app
3. Payments via NFC
4. Payments via a QR code
5. Apple Pay

You can make contactless payments with your phone in 2 ways, via NFC or via a QR code. If you want to make contactless payments with NFC, you need a smartphone with NFC. This secure chip is also used in your bank card, for example. You can turn on NFC via the settings menu. Open 'Settings' and type 'NFC' into the search bar. Tap the settings for NFC to activate your NFC chip.

To be able to make contactless payments, you'll first have to connect your bank account to your smartphone. You can do this with the Payconiq by Bancontact app. Download this app on your phone and go through the steps to register and activate your device. After this, you'll be ready to make contactless payments with your phone. You can do this via NFC or with a QR code.

Making contactless payments via NFC only works with a suitable card reader. These PIN device are recognizable by the logo for contactless payments. You can usually find this logo (and the sensor) on the side or screen of the device. Press the standby button on your phone to wake it up. Hold it against the PIN device and you'll have paid. Is the amount more than € 25? You'll have to enter a PIN code first and hold the smartphone near the device again.

Doesn't your smartphone have NFC? You can make contactless payments in the store via a QR code. Tell the cashier that you want to pay with the Payconiq by Bancontact app. The employee will show you a QR code. This can be on paper (a sticker) or on the screen of the Bancontact device. Scan the code with the Payconiq by Bancontact app on your phone and you'll have paid right away. You'll have to enter a PIN code to confirm amounts above € 25.

Do you have an iPhone? You can also make contactless payments with Apple Pay. This works on the iPhone, but also on the iPad and Apple Watch. In our advice article, you can learn how to set up Apple Pay. You'll also find a list of the banks that support this payment method here.