While the number of smartphones carrying an NFC chip is increasing sharply, contactless payment solutions are struggling to take off. To date, only 10 countries in the world can benefit from the Android Pay service. While waiting for Google's online payment platform to reach our distant constraints, we present you with an alternative solution to pay for your everyday purchases with your smartphone..
How contactless payment works
Considered as the ultimate transaction development, contactless mobile payment seems to have a bright future. Could it be the end of the bank card as we know it today? We can believe so much the digital revolution that we have experienced in the last decade to disrupt our way of life.
Until recently, to pay for a purchase from a merchant, you could use a bank card, cash or, in some cases, a check. For the past few weeks, most stores have been offering a new payment method using the smartphone. The fantasy of some science fiction authors is about to become reality..
How it works ? You have just finished your shopping, and once at the checkout comes the time to pay for your purchases. You then approach your phone a few centimeters from the bank card payment terminal. And that's all. A short beep sounds to confirm the payment of your purchases.
How to use Android Pay?
Fast, simple and secure, mobile payment has everything to appeal to the general public. Problem, Google does not seem in a hurry to launch its Android Pay offer in our green lands. Fortunately a solution exists..
Pending the arrival of Google's contactless payment platform, owners of Android smartphones can always turn to other solutions such as Paylib . And good news, the majority of banks have chosen to offer this contactless payment service free of charge to their customers. However, some precautions must be observed.
- To be of age
- Have an Android NFC smartphone running Android 4.4 or higher
- Have an eligible bank card and a subscription in one of its banks (Bnp Paribas, Société Générale, Crédit Agricole, Banque Postale, Crédit Mutuel, Caisse d'Epargne or Banque Populaire)
Activate the Paylib contactless payment system
Before setting up your smartphone, contact your bank's customer service to find out how to register. 
Generally in most cases the activation of the contactless payment service is done directly online without subscription or additional costs.
Once this step has been validated, you will need to download the mobile application from your bank.
Once the application is installed on your phone, you will need to log into your account using the credentials provided by your bank. Then select the contactless payment section and proceed with the activation of Paylib. The procedure differs depending on the establishment but in the vast majority of cases it is enough to click on a button or fill in a small form to validate the terms of use of Paylib. In our example we will see how to configure the Caisse d'Epargne application
- Launch the Caisse d'Epargne application
- Enter your credentials
- Select the section my cards and payments
- We will ask you to install a new application
- Register with Paylib by following the information given on your smartphone screen
That's it that's all. When paying for your shopping in a store, you must ensure that the merchant has a payment terminal compatible with Paylib. You will then place the back of your smartphone a few centimeters above the payment terminal, making sure that the screen of your mobile is turned on.
The application will then launch automatically and pay for your purchases. Please note that for payments over 20 euros the system will ask you to enter your PIN code. 
Please note that some banking establishments impose a usage limit. Once it is exceeded you will no longer be able to make payments via your smartphone, even if your account is sufficiently funded.