A user is trying to use her company-issued smartphone as a mobile pay device,and it isn't working.Which of the following components is missing from the smartphone?

A) RFID
B) NFC chip
C) IrDA
D) Bluetooth

NFC (Near Field Communication) chip is required for mobile payments as it allows for short-range wireless communication between the smartphone and the payment terminal. RFID (Radio Frequency Identification) is similar but typically used for tracking inventory and assets, not for mobile payments. IrDA (Infrared Data Association) is an older technology used for wireless communication but not relevant for mobile payments. Bluetooth is also a wireless communication technology but is not typically used for mobile payments.