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Answer for the clue "Nick 20 - it helps with the payments ", 9 letters:
swipecard

Word definitions for swipecard in dictionaries

Wiktionary Word definitions in Wiktionary
alt. A plastic card, with a magnetic strip containing coded data, that is swiped through a reader to obtain access to a place or service, or to record one's presence n. A plastic card, with a magnetic strip containing coded data, that is swiped through ...

Usage examples of swipecard.

He was fairly certain that Singh hadn't locked it, and he knew that it wouldn't matter whether the thin man was carrying a swipecard capable of releasing the lock.

The only things he picked up were two swipecards that had been lurking at the back of a drawer let into the beside table.

Damon picked these up by the edges, wondering whether it might be worth keeping the swipecards to see what might be retrieved electronically therefrom.