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Microsoft is getting serious about payments in Windows 10

A new Windows Wallet

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Microsoft is looking to relaunch Windows Wallet, a mobile payments app that stores credit cards, coupons and membership information, to improve both the in-store payment experience and online payments with Windows devices, a top Microsoft executive said in a joint interview with The Verge and Recode.

"Windows is going to have a wallet concept. You’ve seen it on phones before. We’re going to continue to iterate it," Joe Belfiore, corporate VP of the company's operating systems group, said. "We’re going to think about the range of payment scenarios."

Mobile payments is a "massive network of complexity."

While Belfiore didn’t say when exactly a new wallet would launch, or whether it would utilize NFC or other payment technology, he cited Windows Hello, the company’s new facial recognition technology introduced with the Windows 10 operating system, as a good example of the "kind of technology we’ll build into devices for authentication to make… payments better." It’s likely that any kind of updated Windows Phone payments app would utilize NFC technology, the same tech Windows Wallet for Windows Phone 8.1 was said to use.

However, that app never really became a full-fledged payments app. Like Apple, Samsung, and any other tech company that has tried to launch a branded, fully useable mobile payments app, Microsoft is aware that getting into mobile payments has its challenges, especially in certain markets.

"[Mobile payments] is just one of these things that is a massive network of complexity," Belfiore said. "I think the biggest challenge is, What effect will cause enough of the right things to align that you’ll get a good experience with all the places that you want it to happen in? And that’s kind of a world problem."