Modern contactless payment systems primarily use Near Field Communication (NFC) technology, which allows devices to communicate wirelessly over short distances. NFC enables users to make payments simply by tapping their smartphones or contactless cards near a compatible point-of-sale terminal. This technology enhances transaction speed and convenience while adding layers of security, such as encryption. Additionally, QR codes can also facilitate contactless payments by connecting users to payment information through scanning, further simplifying the payment process.