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Frequently Asked Questions

How does HCE work?

How Does HCE Work? As we discussed in Part 1 of this series, host card emulation (HCE) allows the transfer of information with near field communication (NFC) to happen between a terminal configured to exchange NFC radio information with an NFC card and a mobile device application configured to emulate the functional responses of an NFC card.

Does HCE require NFC to work?

Yes, HCE does require the NFC to work by design, although not all NFC-capable devices have the HCE capabilities. Most of the Android devices with NFC do have this feature and can be used with Google Pay and any other app. Unfortunately, this option is locked for iOS devices.

What is host Card Emulation (HCE)?

Host card emulation (HCE) is a technology for securing a mobile phone such that it can be used to make credit or debit transactions at a physical point-of-sale (POS) terminals. With HCE, critical payment credentials are stored in a secure shared repository (the issuer data center or private cloud) rather than on the phone.


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