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Noticed more and more food stalls at hawker centres and coffeeshops now accept mobile contactless payment. Looking to set up mobile contactless payment on my android hp and would like to know the following 1. most user friendly interface 2. linked to bank account or credit card 3. uses QR code or NFC Thanks in advance for feedback and suggestions. 🙏

My experience in past 2 days where one of the day i forgot to bring my wallet out. Day 1 - with wallet but never get to use cash - Went to the physio at NUH, after the session i went to make payment, counter nurse told me 'cashless please'. - Going to watch movie with wife, so i make booking via phone apps and pay through Masterpass. - Took a grab to orchard. - Still have an hour to kill while waiting for wife, went to a cafe for coffee, place order and took out cash, the staff point to the signboard 'cashless payment ONLY'. Day 2 - without wallet (i left it in my wife's bag when we were watching movie) - Didn't notice i dun have my wallet until i reach office bus stop, my ezlink card was behind my phone try to act like i have a NFC sim card . - Panic for 2min thinking how to survive for the day, walk into Starbucks which i have the Starbucks app in my phone, breakfast settled. - Come lunch time, dun want to eat Starbucks again, heng i stored a credit card in Samsung Pay. walk to Hans and pay through Samsung Pay. - Dinner time met up with wife, went into a Korean cafe and they told us to scan the QR code on the table where you place order to making payment all via the phone!!?? i input my card number detail (i actually have those info in my phone but each info was hide in different apps). So i manage to survive 2 days without cash (wallet) for medical, transport, meals, movie, and shopping and thank god my phone battery can last whole day