Tired of carrying two items down to the store? Sometimes reason you wallet to your ear when a phone rings? We’ve all been there (no we haven’t), but right away relief is in steer. No, not a approaching NFC-equipped iPhone 5, but the dongle for your existent iPhone which ties into Visa’s remuneration network.

The mental condition of NFC (near filed communication) payments is which they will be as easy as money, usually without the money. You hold or call your phone nearby an in-store terminal or even vending appurtenance as well as a remuneration is made. No PINs, no signatures, (and apparently not most confidence if your phone is stolen).

Visa is partnering with iCarte to move contact-less payments to Europe. You need a dongle from your bank (iCarte creates models for a iPhones 3G through 4) and grab a Visa app from a App Store. And that’s it. Once activated, you can have payments during any ancillary store.

The scheme is already underway in Turkey as well as a UK, as well as will be swelling opposite Italy, France, Poland, Spain and Switzerland. Apparently, 57% of iPhone users told Visa that they would use the service. This was on top of the 41% reported by users of phones in general.

NFC payments aren’t brand new in the rest of a universe. The Japanese have been profitable for things with their cellphones for years. But a U.S seems to be a perfect place for it. In a land where people make use of plastic to pay for a singular crater of coffee, a preference of waving a phone during the clerk seems perfect.

Visa begins iPhone ‘iWallet’ payment tests in Europe [Computerworld]