From the user POV, it's the same: 1. upload your Credit/Debit card info to an app(passport/wallet) 2. your phone must have NFC. 3. pay with your phone at a N

From the user POV, it's the same: 1. upload your Credit/Debit card info to an app(passport/wallet) 2. your phone must have NFC. 3. pay with your phone at a NFC capable terminal.