In reply to Jeff Meredith.

Jeff, did you notice that I have already mentioned that to load all my bank-branded cards onto my bank's "MasterPass" NFC wallet service all I had to do was go into my internet bank account to the "MasterPass" page and click on "Activate" and everything was set up automatically from the account information that they already had; did not even have to set a password, it defaults to my internet bank password ... not even the usual two factor authentication that is required for adding a new payee or the like; the process could not possibly have been any easier; well, I did have to log into my net bank account first; such an effort ...

And, "MasterPass" will load onto any NFC-enabled smart phone—except iPhones, I presume; then, I don't use a smart phone so my EMV card works perfectly well at POS, particularly with NFC terminals (no PIN required up to $100); and I have not come across a merchant in recent times that does not have NFC ...