The expansion of online payment methods has substantially accelerated worldwide e-commerce growth while presenting difficulties concerning cybersecurity, transaction efficiency, and user experience. Near-field communication (NFC) technology, recognized for its secure and flawless operation in physical retail, possesses unexploited potential for online payments. This study examines the viability of utilizing NFC for online transactions, proposing an innovative framework that incorporates NFC-enabled devices, payment gateways, and merchant platforms to mitigate the shortcomings of conventional payment methods, including susceptibility to phishing attacks, data breaches, and user inconvenience. The prototype system, evaluated across many scenarios, revealed that NFC-based payments decrease authentication time by 40%, diminish data breach threats via tokenization, and improve customer happiness by streamlining the payment process. These findings highlight NFC's capacity to revolutionize e-commerce by enhancing transaction security, efficiency, and consumer confidence.