Mobile payment apps use tokenisation technology, which converts the number of your physical card into a digital form. This creates a virtual card in your mobile app that you can use to make payments. Thanks to tokenisation, the number of your payment card is not saved on your phone or in the app and it is not disclosed to the merchant in the transaction. When you pay with a smartphone, the payment terminal may ask you to confirm the payment with your fingerprint, face ID or PIN. Mobile payments are subject to the payment and geographical restrictions you have set for your physical card. For example, if you restrict the use of your physical card to Finland, then you can make mobile payments only in Finland. If you lose your phone, nobody can see your card details or make payments with your phone without identity verification. However, you can block the digital version of your card by calling Nordea Customer Service. After this you can continue to use your physical card normally.