Where to pay apple pay. How to pay for items using Apple Pay. October, Russia officially launched the Apple Pay payment service, which allows you to pay for purchases using a mobile phone instead of a bank card

And now, a few days after that, Samsung's main competitor also launched its similar product in Russia - Apple Pay... They are almost completely similar, which is why jokes constantly appear on the Internet about who stole the idea from whom. Although, of course, this is nothing more than fiction.
And the appearance of the third mobile payment system is just around the corner - Android Pay, which will not keep you waiting. But we will talk about it separately when it appears in our country. In the meantime, let's take a closer look at the apple payment service. Indeed, for many iPhone owners it will be not only interesting, but also very, very convenient!

How does the contactless payment system Apple Pay work ?!

Everything is very simple here! An electronic copy is made on the phone bank card, which is stored in a special protected storage, separated from the operating system for security purposes.
At that moment, when you need to pay in a store or other place, you simply take out your phone and attach it to the terminal. Further, due to the technology very close to the well-known BlueTooth, data is exchanged between them and a payment is made.

The pros are obvious:
+ You don't have to carry a credit or debit card with you all the time, as it is now stored in the phone, which is always at hand for a modern person.
+ You do not "shine" your card and its pin-code.
+ From a security point of view, Apple Pay is also very, very reliable. When making a payment, a secure one-time token is transferred from the phone to the terminal. Even if attackers succeed in intercepting the exchange of data, this will give them nothing.
+ Even if you lose your iPhone or it is stolen from you, you will not be able to use a mold of your card. Access to it is possible only with the owner's fingerprint.

Cons of the service:
- unfortunately, banking terminals with support contactless technology NFC in Russia is not yet as widespread as abroad. But gradually old devices will be replaced by new ones.
- so far Apple Pay in Russia works only with MasterCard cards... VISA support is promised, but how soon is not yet known.
- Banks working with Apple Pay are still few in number. During the first month it will be only Sberbank. Later, the list will expand to 10 banks, including VTB, Tinkoff, Alfa-Bank, Otkritie, Yandex.Money, BinBank and Raiffeisenbank. And how it will expand in the future is not yet known.

What devices does Apple Pay work on?
The list of devices that can work with the payment service for October 2016 is as follows:

IPhone SE iPhone 6 iPhone 6 Plus iPhone 6S iPhone 6S Plus iPhone 7 Plus iPhone 7S iPhone 7S Plus iPhone 7 iPad Pro iPad Air 2 iPad mini 3 iPad mini 4

It is also worth noting that to spend contactless payment you can also use Apple Watch.

To do this, you must first link the map in the MyWatch application. Then, when making a payment, simply bring the smart watch to the bank terminal.

How to set up Apple Pay on iPhone and iPad ?!

In principle, there is no need to somehow tricky set up an iPhone in order to use contactless payments. The main thing is that you have installed on your device latest version iOS.

Now a frame will appear on the screen, in which, using the smartphone's camera, you need to place your bank card. Like this:

In principle, the data from the iPhone card should be recognized on its own, but if it does not work out, you will need to do it yourself:

Also, you will need to enter the expiration date and security code.

Note:
If you are a client of Sberbank, then you can also add a card directly from the Sberbank Online application. To do this, there is a separate item "Connect Apple Pay":

There, you also need to take a picture of the memory card and go through the verification via the SMS code.

If everything goes well, you will see a message that the card has been added.

If you still have questions and do not understand how apple Pay works, watch the video:

Payment system Apple Pay. The first and so far the only bank supporting Apple Pay was Sberbank. Russia has become the 10th country in which the system is available.

The editors of the site tested the system and figured out how Apple Pay works, how to bind a card to it, in which establishments and how you can pay, and also provides a list Russian applications that support Apple's payment service.

What is Apple Pay for

Payment system Apple Pay, according to the plan of engineers, should replace plastic bank cards. It allows you to use iPhone smartphones and Apple Watch smartwatches to pay for purchases in stores, cafes and other establishments.

When making payments, money is withdrawn immediately from the linked bank card. The company does not charge a fee for using Apple Pay.

According to the statistics of the service, about a million new users join Apple Pay every week. Moreover, in the United States, more than 90% of all contactless payments are made using Apple Pay.

Which bank card do you need to pay with Apple Pay?

The first Russian bank partner of Apple Pay was Sberbank together with Mastercard. Therefore, now only owners of credit and debit cards Mastercard issued by Sberbank.

Apple's VP of Apple Pay, Jennifer Bailey, has promised to expand the list of banks that support Apple Pay in the near future. Earlier, Vedomosti said that Raiffeisenbank, Tinkoff Bank, B&N Bank, Otkritie, VTB 24 and Yandex.Money could also become partners in the future.

According to the source, the site on financial market The list of new Apple partners will be announced in November 2016. The founder of “ Tinkoff Bank»Oleg Tinkov.

Places where you can pay with Apple Pay

You can use Apple Pay to pay in stores with iPhone SE, iPhone 6 and newer, and Apple Watch.

Apple's website notes that the payment system operates "wherever contactless payments are accepted." We are talking about terminals in shops, cafes and restaurants, which show one of the contactless payment icons:

Among Russian retailers where you can definitely find such terminals are Azbuka Vkusa, Ashan, Atak, M.Video, Eldorado, Magnit, Mediamarkt, TSUM, BP, re: Store. The list, according to Apple's website, will be constantly updated. Representatives of the Dixie and Victoria chains and Starbucks coffee shops also announced the support of Apple Pay.

The OneTwoTrip iOS app can be used to pay for plane tickets via Apple Pay, train tickets and hotel reservations will appear later.

Ticketland users can buy tickets to a theater, concert, show or circus using Apple Pay.

Discount coupons can be purchased through the Biglion app.

Apple Pay support is also implemented in the Gett application - users can not link a card in the service, but simply add a payment through the Apple payment system.

How to link a card to Apple Pay

The linking of a bank card to Apple Pay takes place in the Wallet application. The application can automatically link the card that is used for purchases in iTunes. Or you can scan the card with the camera and add it to Wallet. If the bank supports Apple Pay, the card will be linked automatically.

Sberbank cardholders can also link the card through the Sberbank Online application. To do this, select the "Connect to Apple Pay" item in the list of cards - the card will be automatically linked to Wallet.

How to pay with Apple Pay

In order to pay at the checkout using the iPhone, on the locked phone, press the Home button twice - the smartphone's NFC chip will be activated, and the image of the bank card and its last four digits will be displayed on the screen.

The bank may restrict maximum amount when paying with Apple Pay and additionally request a PIN.

In order to pay using Apple Watch, you need to double-click on the side button of the watch and bring it closer to the terminal.

To make an in-app purchase or online purchase with Apple Pay, you need to place your finger over the Touch ID to confirm the payment.

How secure are Apple Pay payments?

Apple claims that card numbers are not stored on devices or on the company's servers. When making a payment, Apple does not transfer the card number to the store, but only sends a special identification code, which is encrypted and stored locally on the iPhone.

The company also claims that it does not store user payment data and does not create a user's payment profile - for example, for targeting advertisements.

Apple Pay uses iPhone's built-in Touch ID fingerprint sensor to confirm payments.

If you lose your iPhone, iPad or Apple Watch, you can pause Apple Pay using the Find iPhone feature.

What similar solutions are there for Android in Russia

September 29, its mobile payment system for Russian market Samsung. Samsung Pay Supported in 2016 Samsung Galaxy S7 edge, Galaxy S6 edge +, Galaxy Note5, Galaxy A5 and A7 smartphones.

Now MasterCard cards of Alfa-Bank, VTB 24, MTS, Raiffeisenbank, Russian Standard and Yandex.Money can be linked to the system of the Korean manufacturer.

However, Vedomosti's interlocutors argue that the system is not popular with users - on the first day, several dozen transactions were made by its customers using Samsung Pay.

You've probably noticed such a situation when there were such customers in the supermarket who, instead of a card or cash, simply put their phone (iPhone for example) to the terminal.

Thanks to modern technologies, it is realizable, and very a large number of people around the world have long enjoyed such privileges of this time.

You can, too, when you find out how easy it all can be to implement. The purpose of the article will be to understand the name of the application for such operations. I will also briefly describe how it all works and give links to the necessary instructions.

What is the name of the program for paying by phone (iPhone / Android)?

If you suddenly forgot your wallet at home or just don’t want to carry it with you bank cards, then this is quite feasible if you have an NFC-enabled smartphone.

This is a technology for transmitting information and it works at a distance of no more than 10 cm. Basically, it is used just to pay for various purchases.

But there is one big BUT - on your device, the application must be installed and configured, without it nothing will work.

Today, there are two main mobile payment systems: Apple Pay and Google pay(there is also Samsung Pay, but it is not that popular). I think the names of these systems make it clear what kind of gadgets such systems work on.

How do I pay for purchases with my phone?

All this, of course, sounds fabulous enough, because also easier way payment for goods, you still need to come up with. But if the terminal does not support PayPass or PayWave, then we go back to cards and cash.

In any case, the necessary terminals appear absolutely everywhere and therefore, this way payment will become more and more relevant and relevant.

I will not give detailed instructions, but I will describe the process as a whole and give the necessary links that will help you set up everything:

1. install the required application on your smartphone: Wallet (for iOS, already preinstalled) and Google Pay (for Android, you can download it if necessary);
2. open the program and add there required cards(your bank must support this or that system);
3. we bring the phone to the terminal, select the card and confirm the purchase using security systems (Touch ID, Face ID, etc.).

In the era of development of mobile payments, IT companies come up with more convenient and quick ways part with money. For example, Apple has developed a new payment system that allows you to pay for purchases in offline stores and the Internet using a smartphone or computer. Apple has managed to rethink our wallets and bank cards with you, neatly and safely "stacking" them in our smartphones. As you already understood, the article will focus on this particular payment system. What is Apple Pay? How it works? How do I set up Apple Pay? And why is this needed at all?

System requirements

Before setting up Apple Pay on iPhone or you need to make sure that your devices support this technology. The following smartphones are suitable for these purposes:

• iPhone 5 (if connected to Apple Watch);
• iPhone 5s (if connected to Apple Watch)
• iPhone 6 (and Plus version);
• iPhone 6s (and Plus version);
• iPhone SE (2016 and 2017)
• iPhone 7 (and Plus version).

If you have a smartwatch from Apple, then any iPhone, starting with the fifth model, is suitable for setting up Apple Pay.

Banks supporting the payment system

The emergence of such a novelty certainly had to be accompanied by cooperation with regional banks... Fortunately, our banks have been quite warm about the arrival of Apple Pay in the country. Do you know who was the first to connect to the new payment system? Sberbank. Even this orthodox bank liked Apple Pay, to be sure of the others.

Naturally, the list of supported banks includes:

• Tinkoff Bank;
• GAZPROMBANK;
• Otkritie Group (together with Rocketbank);
• "VTB 24";
• "Alfa Bank";
• A plus electronic service payments "Yandex.Money".

WITH complete list banks can be found on the official website payment system, there are also indicated the restrictions that apply to certain cards. Some banks support MasterCard, but for some reason refuse to service Visa.

How do I set up Apple Pay? Instructions

All iPhones come with the Wallet app preinstalled. We will need it to work with the payment system. Open it, click on the "Add card" button and in the window that appears, enter your card details (if you want to use the one that you already use for purchases in iTunes, it will be enough to select this sub-item and proceed to check by the bank). This will be followed by a check of your card. This usually takes less than a minute. Some banks require personal confirmation or confirmation using an SMS code.

Do not forget that to work with the payment system, you will need a card that supports contactless payments, that is, one that has the PayPass or PayWave logo (well, and an NFC chip, respectively).

How to Pay with Apple Pay in Stores and Metro?

If all the previous stages of preparation are completed, then you can go shopping. We go to the store and find the terminal we need there (it must be a terminal that accepts payments via NFC). We put our finger on the fingerprint scanner, and hold the phone 2 centimeters from the terminal itself. Apple Pay will automatically activate and proceed with the payment.

After a few seconds, a green checkmark will light up on the screen of your smartphone, confirming the successful completion of the operation. If you have several cards attached and you usually pay through VTB 24, but now you need Sberbank, Apple Pay offers the opportunity to select a card before purchasing. To do this, double click on the Home button and select the default map. If you are planning a trip on the subway and have set up Apple Pay on your Apple Watch, you can use it to pay for your trip. To do this, you don't even need to take the phone out of your pocket, just double-click on the keys on the watch case and turn the watch "face" to the payment terminal.

How do I pay with Apple Pay online and in apps?

An important feature of Apple Pay, in comparison with other services, is the ability to make purchases on the Internet and third-party applications. This is also done simply:

• find a program or website that supports the payment system;
• choose a payment method using the "apple" payment system (usually a big black button with an apple);
• enter the delivery and billing address;
• We confirm the purchase using Touch ID.

Purchases can be made not only from the phone, but also from the computer, however, the confirmation of the purchase still occurs on the smartphone, since not all Apple computers are equipped with a fingerprint scanner.

Payment security

What is Apple Pay? It is the safest wallet in the world. Apple devices, like all technologies involved in them, have always amazed with their level of security. It is simply impossible to penetrate the iOS operating system and steal data from it. Apple and this seemed not enough, so they developed a special tokenization system, when your card data is stored on the phone and transmitted to the terminal in encrypted form (a set of numbers is transmitted instead of a card or account number). This greatly enhances the security of each individual payment.

At the same time, data cannot be stolen physically, as is the case with conventional NFC cards. If to standard map bring a portable payment terminal, the card will automatically pay for the purchase and will not require any confirmation. The phone, in any case, will require verification using Touch ID, which means that no one but you will be able to spend money using your smartphone.

Impressions, reviews, discounts

Russian users responded to new technology quickly enough and immediately began testing it with might and main. A lot of posts about the new payment system instantly appeared on the Internet. Some did not immediately figure out how to set up Apple Pay, and therefore were angry on the Web, until they finally coped with the progress and did not thoroughly study the instructions.

The company literally forced many users to try Apple Pay by launching a large-scale advertising campaign with discounts and bonuses from various stores and cafes. Free movie tickets, half-price burgers and discounted metro fares did the trick. A huge audience of users at least once, but resorted to using Apple Pay, thereby provoking an unprecedented growth in the popularity of this technology. Most of all, the novelty frightened the sellers. This, in particular, affected small stores where no one gave instructions, and each purchase from the phone seemed like some kind of terrible magic or fraud. A year later, the situation has changed dramatically, and such excesses do not arise. Everyone is used to it. And they are so accustomed that they are unlikely to want to refuse. Users of the payment system are seriously accustomed to this technology and can hardly imagine life without it.

Instead of a conclusion

As you can see, Apple Pay is easy. It's even simple, very interesting and convenient. A new approach to making payments will definitely change the world in the near future, if not already. Soon Apple plans to introduce the ability to transfer funds from device to device using a special virtual Apple Cash account, and this is clearly not the last step in the development of the service. Perhaps Apple wants to become a bank at all and will offer to keep funds in its accounts.

Now that you know how to set up and use Apple Pay, it's time to give it a try for yourself.

On October 4, 2016, the Apple Pay payment service was officially launched in Russia. Many immediately wanted to try out the new product, and now users have a lot of questions about the service. We decided to take a closer look at how Apple Pay works and what needs to be done to pay in stores using it.

What ?

This is a special service from Apple, integrated into the standard Wallet application, which allows you to pay for purchases using your iPhone or Apple Watch.

Which iPhones support Apple Pay?

All iPhones with an NFC chip, i.e. iPhone SE, iPhone 6 and older. But there is a way to launch the service on the iPhone 5 / iPhone 5s: you need to connect to the Apple Watch smartphone, then the payment will be made from the watch.

Is it safe?

Yes, your card details are never shared with merchants when using Apple Pay. Therefore, paying from iPhone, Apple Watch, iPad and Mac is a more secure and confidential way to shop.

How to link a card?

To do this, open the Wallet app and click Add payment card". Then scan the card or enter the data manually.

Once the activation is complete, you will see the linked card.

How to set up on iPhone 5 / 5c / 5s?

First connect to iPhone Apple Watch. Then go to the Watch app and select Wallet and Apple Pay. Add a map by analogy.

How to pay?

Just bring your iPhone or Apple Watch to the payment terminal when the latter is ready to accept payment. You do not need to unlock the device, but you need to press the Home button twice. When paying, you will need to scan your fingerprint. To pay with Apple Watch, first double-click the side button.


Photo @ Volfram_1991

Do you need the Internet? Or is it possible to pay in airplane mode?

No, data exchange is carried out using an Internet connection to the terminal.

Is the first generation Apple Watch supported?

What banks and cards does it work with?

So far, Apple Pay only works with cards. Bank MasterCard Sberbank. In the very near future, others will be connected. largest banks country, so run to make out for yourself new card just for the sake of Apple Pay is not needed.

Is there a commission?

There is a commission for payment (from 0.15% to 0.17%), but it is not you who pay it, but the point where the payment is made.

That is, you can just bring your iPhone to any terminal in the store and pay for the purchase?

Not really. The terminal must be with support for PayPass technology. Otherwise, yes, that's right.

Why is this necessary at all?

In the future, you can add all your bank cards (both credit and debit) to Apple Pay and essentially leave your wallet with your cards at home while shopping with just your phone.