Microsoft Lumia 640 XL LTE User Manual page 116

Enable NFC payments
Switch Tap to pay to On .
You may be able to pay or use your phone as a ticket even when your phone is locked,
depending on your service provider.
Tip: To select when you can use NFC payments, tap Active cards work.
Connect to a Bluetooth accessory with NFC
Hands busy? Use a headset. Or why not listen to music using wireless speakers? You only need
to tap the compatible accessory with your phone.
Tap the NFC area of the accessory with the NFC area of your phone, and follow the instructions
on the screen.
Accessories are sold separately. The availability of accessories varies by region.
Disconnect the accessory
Tap the NFC area of the accessory again.
For more info, see the accessory's user guide.
Read NFC tags
NFC tags can contain info, such as a web address, a phone number, or a business card. The
info you want is just a tap away.
Tap a tag with the NFC area of your phone.
Pay with your phone
Forgot your wallet or purse at home? Not a problem – you can pay with your phone or use it
as a ticket, if supported by your network service provider.
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