Various embodiments of the present invention relate to an electronic device comprising: an MST module; a display; a wireless communication module; and a processor, wherein the processor is configuredto: identify a location of the electronic device; identify a request for payment; determine, in response to the request, a payment transmission scheme corresponding to the location; and transmit, to an external electronic device, payment information related to the payment by using the MST module while varying a data set or transmission period of the payment information according to the payment transmission scheme. Other embodiments that can be recognized through the specification are also possible.