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With several possible alternatives to make contactless payments work, it remains to be seen which alternative will be adopted.

Contactless cards for example have had moderate success for various reasons (link to own article). And phones with SIM cards with NFC technology are slow to break through. This is mainly because of the disagreements over the fees that are attached to them. Card-issuers want to store data on the users phone, but they need the cooperation of the mobile network operators to do this.

Possible ways around these problems might be NFC stickers or to integrate a micro SD card in the phone, which excludes the MNOs.

But these as well are no easy solutions. Instead of answering which would be the best PaymentViews shines some light from a different angle: why should any data be put on the phone?

A company which has embraced this idea is Mocapay. You link your credit card to your Mocapay account. When you want to pay you generate a code via your phone which you use at participating stores. Currently the company only uses this approach with gift cards but there might be a bright future for other types of cards.

But of course there are challenges. This way of paying excludes carriers, card-issuers and merchants. More information can be found at PaymentViews.