Bank Pekao has just become the first company to enable true NFC-based contact-less payments on Windows 10 Mobile.

Host Card Emulation-based contact-less payment support has been available since Windows Phone 8.1, but has never been supported before, with the SIM-based and carrier-supported secure element payment briefly being supported in USA.

HCE-based payments differ from the earlier system in that no explicit support is needed by vendors, with your phone working just like any other contact-less payment card.

This means payments are supported by millions of terminals, not just in Poland, but also abroad, and does not need a connection to the internet to be completed.

With the PeoPay app users are asked to type in a PIN to initiate a payment, but for payment of less than 50 z? ($12.50) they can optionally complete payments without even opening the app.

A video (in Polish) showing the process in action can be seen here:

The PeoPay app otherwise features:

Provides convenience and speed of payment in local stores and on the Internet

Allows contact-less payments in Poland and abroad (phones with Windows 10 Mobile and NFC)

The phone you always have on hand is better than the wallet you happens to forget

You have the ability to take advantage of discounts program run by Bank Pekao SA

Immediate transfers between users PeoPay users via phone number

Secure payments on the internet for websites with the PeoPay logo

Cash withdrawals from ATMs of Bank Pekao SA

Check balances and account history in real time

Lucky Polish users on Windows 10 Mobile can download the app from the Windows Store here.