Can NFC payment work without internet?

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The ability of NFC payments to work without internet depends on the specific service you're using and the transaction type:

Yes, some NFC payments work without internet:

• Apple Pay: Apple Pay uses a secure element embedded in your iPhone or Apple Watch that stores encrypted payment information. This allows for offline transactions up to a certain limit (usually around 5-10) without needing an internet connection.
• Some contactless cards: Some contactless debit and credit cards may also allow for offline transactions within a certain limit. This functionality is determined by the card issuer and merchant's payment system.
• Specific payment apps: Some mobile payment apps like Samsung Pay may offer limited offline functionality for certain transactions.

However, not all NFC payments work without internet:

• Google Pay: Google Pay typically requires an internet connection to download token keys and verify transactions. While it can store some offline transaction data, it will eventually need to connect to the internet for further use.
• Certain contactless transactions: Some contactless transactions, especially those with higher amounts, may still require an online connection for authorization.

Here are some additional things to keep in mind:

• The number of offline transactions allowed varies depending on the service and may be limited.
• Offline transactions may not be available in all regions or for all merchants.
• It's recommended to occasionally connect to the internet with your payment service to refresh the stored data and ensure smooth future transactions.

Overall, while NFC technology itself doesn't require internet for communication, the ability to make offline payments through NFC depends on the specific service and transaction details.

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