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NFC terminals are growing at the same rate as NFC cards, but cards have a pretty long lifespan so my old debit card which is ~5 years old is still chip and pin, while my new credit card from the same bank is both chip+NFC.

I’m not going to go through the hassle (a few clicks) of replacing my card just to get NFC. The same goes for retailers, terminals get NFC on the next replacement.

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Most of the terminals I see are NFC ready, but NFC payments are not enabled. In particular, ICA has Yomani terminals and does not accept cards not issued by them. In other countries NFC has been introduced years ago. In the Netherlands, most of the cards were replaced in 2013 and the full rollout of the tech was in 2014. The fact that a card is valid for longer does not mean that it cannot be replaced beforehand.

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