A method can include receiving, at a first computing device having one or more processors, a command to transfer a data payload to a second computing device and information from the second computing device using a near-field communication (NFC) protocol. The information can be indicative of a plurality of communication protocols capable of being received at the second computing device, including the NFC communication protocol. Additionally, the method can include estimating a transfer time corresponding to each of the plurality of communication protocols. Each of the transfer times can be indicative of an amount of time to transfer the data payload between the first and second computing devices using its corresponding communication protocol. The method can also include selecting a specific communication protocol based on the estimated transfer times and transmitting the data payload using the specific communication protocol.