Modern technology enables users to conduct transactions without swiping card details or even scanning the QR code at a point-of-sale (POS) terminal of a merchant. You can use Tap and Pay feature enabled on any UPI application such as Google Pay or Phone Pay. This technology works using Near Field Communication technology using radio waves and does not require even an internet connection. To effectively conduct NFC mobile payments, both the payer's smartphone and the payment terminal at the shop must be equipped with NFC technology.