Abstract: This article introduced the current mainstream technology of mobile payment with NFC, presented the implementation scheme of mobile payment based on NFC-SWP technology, provided an innovative, backward compatible, multi application card planning design, introduced the terminal software design and platform architecture design. In the terminal software design, the process file was used to ensure the robustness of the transaction. On the platform architecture design, the microservice architecture based on container technology was given. The practice showed that the scheme was of great reference value in solving the continuous deployment and application expansion of large and complex business systems with the coexistence of multiple payment services.