What is The Difference between Mobile Payment and Mobile Commerce?

December 27, 2021 Written By Hemant Parmar

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What is The Difference between Mobile Payment and Mobile Commerce?

Quick Summary

Mobile payment refers to the process of conducting financial transactions through a mobile device. It allows users to make purchases, transfer money, or pay bills using their smartphones or other portable gadgets. Mobile payment systems may involve various technologies such as Near Field Communication (NFC), QR codes, or mobile wallets like Apple Pay and Google Pay. Essentially, mobile payment facilitates the exchange of money electronically, eliminating the need for physical cash or traditional banking methods.

Let’s consider examples to understand how they differ:

You purchase an item with a smartphone and choose COD (cash on delivery) – that’s a mobile commerce

Same way, you are buying in-store but choose online payment – that’s a mobile payment

Now, you make a purchase via mobile and pay via mobile – that’s called mobile commerce and mobile payment

This is the fundamental concept for distinguishing between mobile commerce and mobile payment. But, in order to learn more, we will examine each separately and observe how they vary.

What is Mobile Payment?

Mobile payment, as the name implies, is a technique of making transactions/payments through mobile devices. Because it only takes a few seconds to complete the payment, a mobile payment solution is one of the quickest and easiest methods to consider completing transactions.

Customers prefer mobile payment over others since it eliminates the need for long payment methods such as credit cards and cash. In terms of legality, mobile payments are a safe and government-approved payment option.

Also Read: Top 10 Payment Gateways In USA

In a digital era when our lives are fully reliant on mobile phones, it is not incorrect to suggest that even clients prefer mobile payment for convenience. There are several mobile payment options available on the market that you may use to make simple payments for online or offline purchases.

How Mobile Payment Works?

Buyers make mobile payments for their purchases at eCommerce stores or online stores by holding their cellphones up to the contactless payment terminal. When users place a device near a contactless payment terminal, the two devices interact using a particular radiofrequency.

Also Read: Top 10 International Payment Gateways Worldwide

To complete the transaction, this provides an encrypted payment information. This is how funds from your digital wallet are sent to the business’s POS system. Why should you implement mobile payment into your eCommerce or online store?

Security is the first and foremost consideration for mobile payment, since features such as touch id, pin inputs, and the absence of debit/credit cards make it more safe than before.

Another advantage of mobile payment is the one-to-one transaction, which allows you to send and receive money from friends, family, and businesses.

Another advantage of mobile payment is the rapidity with which transactions may be completed in seconds or minutes.

Finally, comfort is what you require, which is why mobile payment is the finest option.

What is Mobile Commerce?

Mobile commerce is not the same as mobile payment. In general, it refers to the advancement or use of eCommerce. mCommerce is simply the purchasing and selling of things using mobile devices. Finally, mobile commerce is the mobile form of business.

M-commerce, also known as mobile commerce, is a new trend in the eCommerce industry that is based on the wireless application protocol. MCommerce is used to make online payments in any business, including hospitality, retail, and information technology. There are several mobile commerce systems on the market that you may employ according on your requirements.

Also Read: What Does M-Commerce Mean for E-Commerce? M-Connect Media’s Conclusion Guide

Benefits of mCommerce

Mobile Commerce is another term for mobile commerce. All actions in mCommerce are carried out through a wireless internet connection using mobile devices such as smartphones or computers. As a result, it is one of the greatest options for a memorable shopping experience.

Another benefit of mCommerce is that it is a new and emerging eCommerce technology. You may easily connect mCommerce into your eCommerce or online shop with the aid of eCommerce integration services.

Maintaining proper supply is one strange thing we have seen so far in the eCommerce sector, and it implies your shop should have enough product to match client needs. In such instance, mCommerce may out to be a blessing in disguise.

Furthermore, an extension such as the Out of Stock Notification Extension for Magento 2 may help you manage inventory effortlessly. In addition, the user may view the availability of the product stock, which makes things a lot simpler.

Features Mobile Payment Mobile Commerce
Security Secure Less secure
Speed of Transaction Better Fast enough
Ease of Use Most convenient Ease of access
User experience Excellent Preeminent
Future Bright Very Bright

We’ve figured out what mCommerce and mobile payments are and how they may aid your eCommerce or online shop. It’s time to find out what makes them different.

What’s the actual difference between Mobile Payment and Mobile Commerce?

It’s time to wrap things up! Now that we’re familiar with both mobile payment and mobile commerce, let’s look at what sets them apart. The first difference we may see is the method of use, but there are many more.

Mobile payments are the foundation of mobile commerce, which is an upgraded version of eCommerce. One is a payment mechanism, while the other is a mobile platform where you may buy and sell products and services.

Mobile commerce is more akin to app commerce in that it is used to conduct transactions using a native app. Any technology that allows clients to complete transactions is considered mobile payment. Mobile payment and mobile commerce are both safe to use. Still, you must take the help of an eCommerce development company to implement in your eCommerce or online store.


So far, we’ve talked about the distinction between mobile commerce and mobile payment. As we can see above, mobile payment is a method of making transactions using mobile devices, whereas mCommerce is a method of purchasing and selling things using mobile devices.

Are you looking to add these new advancements to your store? M-Connect Media can help. Hire Certified Magento Developer to integrate such a system into your online store with hassle-free techniques. Get in touch with us now!

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