Nokia Lumia 820 - Can I use NFC to make payments with my Nokia Lumia phone?

To make NFC payments, your phone and your network service provider must support NFC payments. 

To check if your phone supports NFC payments, on the Start screen, swipe left, and select Wallet > > settings+PIN. If you see an option to switch on NFC payments, your phone supports them.

You also need a special secure SIM card from your network service provider and a service subscription with your service provider, for example, a credit card issuer. To make an NFC payment with your phone, tap a payment terminal with your phone instead of, for example, inserting a credit card into the payment terminal.