Apps that make your phone a wallet

Here are several apps worth knowing about.
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Free mobile payment apps keep popping up in the major app stores.  Some apps, like the new Nordstrom Rack app for iOS, work like typical online purchases using a credit card, but with the credit card number stored on a smartphone or tablet.  Some online stores even offer free delivery.

Other apps work with in-store payments by using barcodes, like the Starbucks app. Some apps, such as those from Isis or Google Wallet, use near-field communication (NFC) chips that work with a variety of retailers, mainly on Android phones, or with the iPhone and a special smartphone NFC sleeve. Americans still love credit cards and cash, but payment apps are gaining steam. Here are some worth knowing about.

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