The benefits of contactless cards begins to show only when you are able to use the technology for seamless payments across mass transit, retail locations, online retailers and even for loyalty and gift cards. Samsung, Apple and Fitbit are betting on this to increase adoption of contactless cards on mobile devices. By scanning and linking the cards to the payment services, virtual cards are created and are stored on the mobile device. This then allows the mobile device to replicate a contactless card, but emitting RFID or NFC signals to the terminal. This level of convenience cannot be replicated by magnetic stripe or EMV based cards that easily, since NFC is very easy and cheap to add to to a phone, but only a few manufacturers like Samsung have incorporated the technology for using these EMV or magnetic stripe cards. In fact, Samsung allows the usage of such cards through Magnetic Secure Transmission or MST on its latest devices. With contactless cards, it is really easy to adapt the technology into mobile devices since most devices have NFC radios built in. Android devices allow third party applications to use the NFC radio, but Apple restricts the usage for anything apart from Apple Pay, its proprietary mobile payments service.