Adding NFC capability to the wallet app on Windows 10 Mobile devices puts Microsoft on an equal footing with the likes of Apple Pay and Android Pay, at least in terms of functionality.

Enabling contactless payment via Microsoft Wallet came through partnerships with MasterCard and Visa, the tech giant said.

However, the payment service is inititally only for Windows Insiders, those users who sign up for early builds of the Windows operating system previously only accessible to developers. General availability is later this summer.

And, of course, the potential demographic for Microsoft’s payment feature is far smaller than for rivals, including Apple, Google and Samsung.

The NFC payment feature is available to users of the Lumia 950, 950 XL and 650 in the US who can tap and pay in over a million retail locations where the contactless symbol or the Microsoft Wallet logo are visible at the point of sale.

Users can also store reward and membership cards, as well as debit and credit cards, in the wallet app.

So far cards from eight banks and credit units are either available or in the pipeline. They are Bank of America, BECU, First Tech, Fifth Third Bank, People’s United Bank and Virginia Credit Union with Chase and US Bank coming soon.