11 Best Smartwatches for NFC Payments in 2023

Hola! Yes, I am back with another blog about watches!

Personally, I face many problems carrying my phone in hand whenever I need to get out. And the thought gets irritating, especially during rainy days and workout or walk sessions. Do you feel this way too? Well, as most of the aspects of your phone can be availed from the device resting on your wrist, what about a payment option?

Can we use a smartwatch to pay rather than carrying our ATM card everywhere or a phone with us?

Yes, friends, we can do that. This is what today’s topic is about. The NFC payment aspect given in some smartwatches lets you buy literally anything and pay anyone at any time you need to, without you having to carry a card or phone.  Let’s start reading more about this exciting feature in the sections below:

Best Smartwatches for NFC Payment

How Smartwatches with NFC Payments Feature can help you?

While you’re going out for a run or working out, it’s not always possible to carry a card or phone as it has the risk of getting lost. A watch with NFC payment can help in these situations if you need to have any monetary transaction. This feature also helps you pay more securely than a phone or card. You could pay through your watch even in grocery shops, gas stations, and other places.

11 Best Smartwatches for NFC Payments in 2023:

1. Apple Watch SE

Compared to the other watches of Apple, this watch has a lower price. It comes in two sizes 40mm and 44mm in GPS style. Special features include a sleep monitor, activity tracker, voice control, GPS, and heart rate monitor. The watch has powerful features to keep you connected, active, healthy, and safe. This watch also helps you in many ways during your workout and can be your best workout partner along with having marvelous looks. The watch is compatible and can be used with any band according to your style and you could put on any watch face to your liking. The watch has an NFC payment option. Apple Pay is the app you use for the reason.


  • It monitors your heart health and has emergency SOS and fall detection.
  • It is retreating and display and has a 30% bigger display dance Series 3.
  • This iPhone can access messages, phone calls, and safety features.
  • This is an excellent watch for health, fitness, connectivity, and personalization.
  • It gives high and low heart rate notifications and irregular heart rhythm notifications.
  • The watch supports international emergency calling, and fall detection and has an always-on altimeter.
  • The watch is cellular.

Pros & Cons

  • The watch has NFC payment.
  • Supports family setup.
  • The battery life is short.
  • Lacks an ECG and Blood Oxygen app.

2. Apple Series Watch 6

This smartwatch has wireless connectivity off Wi-Fi, cellularity, NFC, and GPS. It has special features like a time display, sleep monitor, and text messaging. Also, you get to assess your health from your wrist. It has an always-on retina display. Blood oxygen monitor, ECG app, and sleep app for all kinds of heart and blood assessments. It helps you in every way during your workout, walking, and any kind of sports activity session. All in all, this watch lets you make your personality shine and also lets you personalize your watch in your way.


  • This has an always-on retina display and has a 30% larger display than series 3.
  • It measures the blood oxygen level via the blood oxygen app present on the watch.
  • It has an ECG app for heart assessment.
  • It gives high and low heart rate notifications and irregular heart rhythm notifications.
  • This watch also supports family setup as it has GPS and cellular models.
  • It is internal how do you do GB storage and Bluetooth 5.0 wireless connection.

Pros & Cons

  • It has NFC payment.
  • Costly
  • The battery life is short.

3. Fossil Men’s Gen 5E

This 44mm stainless steel touchscreen smartwatch has Wear OS by Google and a screen size of 1.2 inches. The watch is compatible with both Android and iOS operating systems. The watch is basically for adults. It has multi-modes and an extended battery. It comes with an always-on display mode which helps you look into the time and date even without touching or face unlocking the watch. It supports you in your activity goals and this improved design lets you take the watch for swimming and use features like stopwatches and timer. You can also stay connected with the notification for calls texts, apps, and automatic time zones. It has a built-in speaker and a microphone. Along with all the watches Fossil made since 1984, even this watch is a good work made by the manufacturer.


  • Calls can be answered via this watch.
  • It is a multi-day battery mode from my heart rate and activity tracker.
  • It can track your sleep and also control smart home devices.
  • Along with being swim-proof it also has contactless payments and built-in speakers and microphones.
  • It can sync easily with Google Fit and Wear OS by Google.

Pros & Cons

  • Syncs with Google Fit.
  • Has music control
  • Does not count blood oxygen.

4. Samsung Watch 4

 Samsung Galaxy Watch comes in two sizes and has both Bluetooth and LTE versions. Along with helping you with your workouts and health goals Galaxy watch four also manages your total wellness. It also has a good amount of internal storage. The watch is circular Super AMOLED full color and an always-on display Corning Gorilla Glass DX. It has many kinds of sensors fitted in it for proper tracking of health issues.


  • The sensors include an accelerometer, barometer, biosensor, geomagnetic sensor, light sensor, optical heart rate sensor, electric heart, bioelectrical impedance analysis sensor, and hall sensor.
  • It is 5 ATM plus IP68 water resistant level and is a military standard 810 G watch.
  • The watch GPS, GLONASS, Beidou, and Galileo were installed in it for perfect location spotting.
  • The watch is 1.5 GB RAM and 16GB internal memory and a 361 mAh battery.

Pros & Cons

  • Has an internal mic and speaker.
  • Doesn’t support iOS.

5. Samsung Galaxy Watch 3

This multi-day battery watch keeps you going for a long day and lets you give it a quick boost whenever needed as it has fast charging capacity and lasts more than a full day after a single charge. This watch also offers stronger insights into your workout sessions and activity journey along with giving you next-level fitness. The watch is compatible with both Android and iOS. It is installed with integrated Bixby voice functionality which helps read your text, makes a call, or initiate coaching on command.


  • It is 1GB ram and 8GB ROM.
  • It is a 360 x 360 super AMOLED display.
  • It has a 247 mAh battery which lasts for 43 hours.
  • Compatible with Android and iOS.
  • It has 5ATM plus IP68 scale water resistance and a military standard 810G certification.

Pros & Cons

  • It is of great price.
  • You can download many apps here.
  • The battery life is too short.

6. Fitbit Versa 3

The primary goal of this watch is to help you maintain your fitness goal where will you go. Along with the built-in GPS, it is perfect to serve its purpose as it gives you active zone minutes on your wrist and also shows you the location of the place you are planning to go out for a walk, tracking, or workout. The watch also provides you with a pleasant musical experience and sleep sleeping tools. No need to worry now when you’re out for a walk as the what has hurt health for fitness and monitors your heart rhythm.


  • The watch has an irregular heart rhythm tracker.
  • The voice says Amazon Alexa built-in and Google assistance for voice commands.
  • The battery life is of 6 and more days.
  • You get calls, texts, and app notifications via the watch.
  • The watch is trendy exercise modes and health metrics dashboard.

Pros & Cons

  • A stress management score is present.
  • The watch can track menstrual health.
  • It lacks an ECG and an EDA app.

7. Fitbit Sense

This Fitbit watch has the innovation that guides you towards better health daily readiness score, health metrics, heart health tracking, and stress management tools. The watch comes with both Amazon Alexa and Google Assistant built-in. The watch is smart in every way thus taking smart Bluetooth calls, getting texts and app notifications, and more. There is a piece of good news for Android users as they can send quick replies and voice replies too. It has a fantastic battery life with goal-based exercise which helps in reaching workout goals. The facilities do not end here it even has customized face clock faces it’s an enemy store and download hundreds of apps for fitness, sports and fun. This also has everything from Uber to United Airlines to Spotify to TRX.


  • Has 20 goal-based exercises.
  • It is 50-meter water resistance with six days and more of battery life.
  • It is 100 hundreds of apps and clock faces with store and plays music.
  • It has text, call, and app notifications with a 24×7 heart rate and AZM.
  • It is Alexa and Google Assistant with built-in GPS.
  • It has stress tracking with EDS sensors, an ECG app, and a skin temperature sensor.
  • It gives high and low heart rate alerts.

Pros & Cons

  • It has skin temperature.
  • It has NFC payment.
  • No LTE model is available.

8. Samsung Gear S3

Yet another watch from Samsung can receive and respond to calls, texts, and notifications. It is built in GPS to track activities and share your location and also spot routes. It has a wireless Bluetooth connection so you can connect your smartwatch with your phone whenever needed. It also has NFC payment via Samsung pay which you can use anywhere and anytime. The battery supports many days of use. The watch has built-in speakers and microphones and a 1.3 display size for a better and high-quality view.


  • It is Bluetooth wireless connection and is 1.81 inches off display size with a 12.9mm case depth.
  • 63 gram without vans and has 278 PPI, 360 X 360 main display resolution.
  • It is Super AMOLED and full color always on display.
  • It has 4GB internal memory and 768MB RAM.
  • It is military-grade durability and has additional features like 24 hours sleep tracking, floors, exercise tracking, HR, and many more.
  • It is a wireless charging method with and 380mAh Li-ion battery.
  • The watch has an accelerometer, barometer, Gyro Sensor, heart rate monitor, and ambient light sensor.

Pros & Cons

  • It has NFC payment options.
  • It might seem a bit heavy on a few wrists.

9. Garmin Vivoactive 3

The watch has special features like time display, GPS, notifications, and heart rate monitor and comes with a 1.2 which is screen size with a standard style. Along with Garmin pay contactless payments you can purchase anything at any point of time you want anywhere, there’s no need to look for a credit card or phone due to Garmin pay. Supports applications like e-mail, GPS, and heart rate monitor. It has many sports along with a fitness and stress tracker. It also lets you stay connected and receive the notifications that you get on your phone via Bluetooth.


  • It is always on display and has 15 preloaded sports apps.
  • It has 240 X 240 pixels.
  • Monitors your fitness level with VO2 Max.
  • It lets you handle your stress.
  • It gives notifications, and automatic uploads to Garmin connect.
  • Battery life is up to seven days in the smartwatch and 13 hours in GPS mode.

Pros & Cons

  • It has in-built GPS and NFC payment.
  • The watch lacks an LTE and camera.

10. Garmin Venu Sq Music

Along with special features like time display, sleep monitor, text messaging, GPS, notifications, and heart rate monitor the special work of this watch is providing speakers for music. It has many more features like NFC. The square-shaped watch is made-up of fiber-reinforced polymer. The watch has on-wrist health and wellness monitoring along with a bright color display and six days of battery life. The watch can store your favorite music and playlist it, letting you keep your phone whenever you want and your hands-free. The preloaded sports apps are extremely exciting just like the other features. The watch can plan a workout for you for better results.


  • The watch has an inbuilt GPS.
  • Good morning just everything from body pattern energy levels, respiration, hydration, and stress to sleep.
  • The watch can estimate your heart rate.
  • Has 20 preloaded sports apps including walking, running, cycling, mindful breathing, swimming, golf, and many more.
  • The watch is swim-proof and waterproof so you can take it swimming and track your swimming goals.
  • The watch is accompanied by Garmin pay contactless payments letting you purchase anything with just your watch.

Pros & Cons

  • The watch tracks your menstrual health.
  • Pricey.

11. TicWatch Pro 3 Ultra GPS

This watch goes with a huge number of features like script tracking, blood oxygen saturation, stress monitoring, 24-eight HR monitoring, IHB/AFib detection, and fatigue assessment,  upgraded 100 plus professional sports modes, and a lot more. The fatigue monitoring feature is a fantastic one as it lets you know when you are pushing yourself over your limit and lets you make your fitness goal according. This device is compatible with both iOS and Android along with having an operating system accompanied by their OS by Google. The watch has a 1.4-inch screen size and a bright display.


  • The watch is an NFC payment facility.
  • The watch has an inbuilt Mic and speaker.
  • It has an in-built GPS and wireless Bluetooth connection.
  • It is an updated chipset with better performance. It is accompanied by Qualcomm Snapdragon bear 4100 platforms and Mobvoi dual-processor system.
  • The internal storage consists of 1GB RAM and 8GB Rom.
  • It has 1.4 inch AMOLED screen with high resolution and auto-adjustable brightness. The protective lens used is Corning gorilla anti-fingerprint cover glass.
  • It is a military standard 810G certified durability.
  • It has IP68 waterproof and pool swimming suitability along with 100+ professional sports mode and barometer, sleep tracking blood oxygen saturation cover stress monitoring, and many more.

Pros & Cons

  • Extremely good battery life.
  • Lacks ECG or EDA monitor.

Things to look for before buying a watch with NFC payment:

  • The mode of payment.
  • The credentials the watch is asking for.
  • The customer security and privacy of the watch.
  • The compatibility of the watch with the wireless connection methods.


What is NFC in a smartwatch?

NFC wireless technology is used to transfer files between devices. In this case, when a watch is brought near another smartwatch or a phone the watch can share its data with other devices.

What is NFC payment in a smartwatch?

Near field communication payment in smartwatches GPay, Android Pay, Apple Pay, and any other payment apps that the watch has provided to pay without the need for a credit/debit card.

Is NFC payment safe?

Since there is no physical card involved in this process this payment method is more secure as no chance of getting the card numbers or card stolen is present.


Most of the watches on the list are affordable. NFC payment can be secure but every coin has 2 sides. You need to be careful even while paying with your watch. All of these watches have GPS and can be located with your phone if it is lost. You need to be more aware of not losing these watches as they have your money access due to the presence of NFC.  

If you need a multi-feature watch, I would recommend the Garmin or Fitbit watches as they have a huge number of useful features. If you are sure of making full use of all the features, you could also go for the Apple watch or the other costlier watches.

Leave a Comment