Host Card Emulation (HCE) allows mobile application to communicate over Near Field Communication (NFC) protocol. Contactless payment cards use the same NFC protocol to perform payments. Can a mobile application perform card payment using HCE technology? Yes, but it’s not as easy and simple as you might think. I will share with you what it takes to emulate a card payment based on my experience of creating Tieto Cloud Based Payment solution and going through MasterCard approval process.