During the keynote presentation of wp8 it was said that you need a special sim card that encrypts your payments and makes it easier to transfer your payment info if you switch phones. While Verizon is the only carrier that supports it as of right now, att and others will have it sometime in 2013. I believe att will be in early 2013. Now, this may be disappointing but they did point out during the presentation that this is a safer way to do NFC payments because 1) your credit card info is not stored on the phone like android 2) more companies are willing to offer NFC using this method because it is safer and easier to implement. So although it might be disappointing right now, it is something that will be coming shortly as opposed to android who's has support for it for a while now since its unsafe, it hasn't been implemented by anyone yet.