I would like to dispell the insecure myth posted above about Android pay as it is just wrong. I have used Android Pay for years now with Nationwide and since then I swtiched to Samsung Pay and the myth that a 'found' phone can be used by someone else is wrong, very wrong no mater which of the above apps you use, though maybe you can change this in the settings! When you setup Android Pay it insists on you setting up a screen lock and will not work when this is disabled, so if someone finds you phone they need to unlock it it to pay for anything, usually with a finger print of password just like iOS so it's wrong to say anyone can just use it, maybe there is an option to configure it differently but I never did it, mine was secure it was the first thing I tested when I got it and I still do fairly regularly now just in case. Furthermore if you switch to Samsung Pay like I did they offer additional security options if you want to use a different code than your unlock one you can do, or a different finger!!! They also offer payment tracking and a few other bonuses, on top of this you have to swipe up from the home screen to bring the app up to use it! The only thing I am aware of which arguable is insecure but it also OPTIONAL is on Samsung pay you can setup a 'Transport Card' with this you can pay for Oyseter with your screen still locked, though as I say it's optional and it only works with certain tavel providers and low value, but personally I love this feature, if my phone gets stolen it will be remotely wiped that day anyway so the most they will get is 1 days travel on the underground which I probably wouldn't get back, oh well I'll that that hit for the convinience. Finally if you are really that worried about NFC, Add it to your Settings Toolbar and disable it when not used, I have a friend who does this all the time, personally I tested and am happy with the setup I have, however this option is available if you want it!