NFC payment technology is on the cutting edge and Samsung has implemented Visa payWave into the Galaxy S 4 which completely bypasses carriers. Visa payWave works by storing encrypted payment information on an embedded secure element within the phone versus storing payment information on your SIM card. Samsung claims the Galaxy S 4 is the world’s first device to do this with Visa payWave. NFC payment services like Google Wallet have had issues with carriers, Verizon being the largest. Back in December, the carrier delayed approval of Google Wallet while not surprisingly developing their own mobile payment service, Isis. Samsung seems to have been aware of carriers interfering and has developed a better way for users to pay with their smartphones.