Paying online with Microsoft: Microsoft Edge, Microsoft Wallet and others

15 July 2017

Gone are the days when consumers associated Microsoft brand name only with Windows operating system and other company’s software. Every year the company is gaining traction in the development of gadgets and smartphones, FinTech industry and mobile banking. Since recently, Microsoft has shown itself to be creator of application extensions and contactless payment technology, facilitating the implementation of online payments, as well as easing the shopping process as such. In this article, we have made an overview of the latest releases by Microsoft, which are sure to be of interest to tap-to-pay fans.

Microsoft Edge

Microsoft Edge is a completely new browser and web platform, launched on April 29, 2015 for Windows 10, which is natively integrated into the system. Previously, the browser was known under the code name Project Spartan and was intended to replace Internet Explorer.

One of the distinguishing features of Microsoft Edge is the ability to create handwritten notes directly on the saved websites. In addition, Cortana voice assistant is integrated into the browser, and extensions such as Microsoft Personal Shopping Assistant and Amazon Assistant are supported, allowing you to make shopping with your favorite online retailers in more simplified manner. You can say goodbye to the hassle of entering payment and shipping information when you shop utilizing Microsoft Edge. Just sign in with your Microsoft account and all checkout data will be displayed.

Paying online


Cortana is a virtual voice assistant with elements of artificial intelligence by Microsoft intended for Windows Phone 8.1, Microsoft Band, Windows 10, Android, Xbox One and iOS. When you choose to enable Cortana application on your Windows 10 device, the action automatically activates Cortana in Microsoft Edge browser too. Whether you are browsing for an image on Microsoft Edge or you see an image on your favorite website, Cortana can help you find the similar one, details on price and where to buy what you see in the image. Simply right-click the photo and select “Ask Cortana”. This is especially handy, if something you wanted to purchase was sold out.

Microsoft Personal Shopping Assistant

The price range of a product can fluctuate depending on the sales of the item. You can use Microsoft Personal Shopping Assistant extension for Microsoft Edge to keep a track on price change or discount rates. The extension can remember the products you browse online automatically, so you can easily come back to them later. Moreover, you can add some of them as “Favorite” items and save them to get notified about the change in price or compare products across sellers.

Microsoft Wallet

Microsoft Wallet is a breakthrough, secure contactless payment technology (similar to Apple Pay, Android Paytm, and Samsung Pay) that allows you to pay with your supported Microsoft devices by simply holding it near compatible credit card terminals. It works virtually anywhere you see the Contactless Symbol or Microsoft Wallet logo, including popular stores, coffee shops, and restaurants. Currently AT&T, T-Mobile and Verizon networks support Microsoft Wallet. The payment system is free; however, third party charges such as wireless carrier message and data rates may apply. Microsoft Wallet is compatible with Microsoft Lumia 650, Lumia 650 Dual SIM, Lumia 950 or Lumia 950 XL running Windows 10.

Main operating principles

The technology used for the new wallet is a form of Near Field Communication (NFC) called Host Card Emulation (HCE). Customers with debit and credit cards enrolled in Microsoft Wallet can make purchases at NFC-enabled terminals. This technology does not require access to a secure element embedded in the phone (like Apple Pay). Instead, card data is stored in the cloud.

Microsoft Wallet supports MasterCard and Visa credit and debit cards. Customers can add as many cards as they wish by using the phone’s camera to scan in the card’s information, or by manually inputting the card data. Then customers can verify their identity through a phone call. The average amount of time it takes before the card is fully active for use after being added and verified will vary slightly between issuers, but should not take more than a few minutes.

Is Microsoft Wallet secure?

The Microsoft Wallet provides security by using tokens for transactions, similar to Android Pay. Tokenization reduces risk for credit unions by replacing the PAN with a tokenized pseudo-PAN used in the payment system – all without impacting the acquiring side. Device profiles or passwords ensure transactions are initiated only by authorized user devices at recognized POS locations. User/device/account data is used to perform risk assessments for the transaction in real time through the client app and issuer back end.

Microsoft Wallet

Microsoft Payment Request API

The Payment Request API, based on the W3C Payment Request API spec, provides an integrated solution for Universal Windows Platform (UWP) apps to bypass the complicated process of requiring a user to input payment information and select shipping methods. This gives customers a faster and more convenient way to pay, because they do not need to enter their payment data every time they want to purchase a product, as they utilize information already saved in their Microsoft account. Users can pay with their saved payment options freely throughout experiences in Windows including in UWP apps or on the web via the Microsoft Edge browser.

Digital payments are on the rise and Microsoft team focuses on supporting customers to take advantage of this trend. On the way toward its development, the company has designed advanced tools that you can use to make online payments, improve the application verification process and increase the activity of the purchases. Therefore, Windows users can expect a polished and trusted checkout experience that removes the need to reach for their credit card every time they want to do shopping.

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