An encoded information reading (EIR) terminal can comprise a microprocessor, a communication interface, an NFC reading device, and an EIR device, all communicatively coupled to the system bus. The EIR reading device can be provided by a bar code reading device, an RFID reading device, or a card reading device. The EIR device can be configured to perform outputting raw message data containing an encoded message or outputting decoded message data corresponding to an encoded message. The EIR terminal can be configured, responsive to completing a decoding operation by the EIR device, to initiate a payment operation using the NFC reading device. The EIR terminal can be further configured, responsive to receiving a response from an NFC tag supporting a payment protocol, to transmit a payment operation request to an external computer.