In Windows 10 Mobile, we have introduced a new card emulation technology called, Host Card Emulation (HCE). This limited the variety of possible payment solutions by other merchants or developers that are not coupled with MNOs. Windows Phone 8.1 supported NFC card emulation apps using a SIM-based secure element, but that model required secure payment apps to be tightly coupled with mobile-network operators (MNO). This topic applies to Windows 10 Mobile only.
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