Microsoft Wallet Brings Tap-to-Pay to Windows Phone

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Windows 10 Mobile customers are finally getting tap-to-pay technology.

Microsoft Wallet is currently restricted to Windows Insiders in the US with a Lumia 950, 950 XL, or 650 smartphone and a MasterCard or Visa bank card.

"In our increasingly mobile and busy world, our on-the-go customers want to pay for their everyday purchases without the hassle of digging through their physical wallet," Director of Payments Will White writes in a blog post.

Microsoft account holders already have access to secure payment information in the digital Xbox, Office, and Windows stores. But they wanted more.

"Our customers have asked us to extend similar experiences to their phones and we are excited they can now enjoy easy, more secure transactions," White says.

"When you tap to pay, Microsoft Wallet sends a single-use transaction number and an encrypted security code that won't work for any other purchase, person, or device," Redmond says. "This, plus the device PIN you use to unlock your phone makes paying with Microsoft Wallet more secure than using the actual card alone."

Microsoft Wallet does not share credit or debit card numbers with retailers and doesn't store that data on your phone.

The product supports reward cards for shops, restaurants, health clubs, libraries, and more—as long as it has a bar code, it can be scanned into the app. The digital billfold is compatible with more than a million retail locations and a number of major banks; just tap your phone anywhere you see the contactless payment symbol or Microsoft Wallet logo.

General availability is expected later this summer.

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