 Contactless payments were recommended as a safer payment method compared to Chip and PIN card payments and cash transactions.Google Pay is an application for devices running Google's Android OS, which allows users to make purchases using NFC, which initially required a physical secure element but this was replaced by host card emulation which was introduced in Android 4.4 (KitKat).Softcard (formerly known as Isis mobile wallet), Cityzi and Quick Tap wallets for example, use a secure SIM card to store encrypted personal information.