Book of income and expenses / 03.03.2020

Contact payments Sberbank through the phone. How to pay by the phone instead of the Sberbank card: app for android and iPhone. What phones support contactless payment

Smartphones continue to turn new data transmission standards. About what such Wi-Fi and Bluetooth now know even those who do not use modern technologies in full force. But the NFC abbreviation for many in the novelty. Meanwhile, very curious and promising technology.

NFC is decrypted as "Near Field Communication" or "Middle Communication". Why is that? Yes, because this method of communication works only if you bring the devices very close to each other. For comparison, the radius of the standard cellular tower is about 35 kilometers, Wi-Fi can work within a radius of up to 100 meters, and Bluetooth can lose touch at a distance of more than 10-15 meters. So why did NFC come up with a radius of action just a few centimeters? This we will find out below.

Another noticeable difference between the NFC from the same Wi-Fi or Bluetooth is that it is not necessary to enter the menu to establish communication, specify the device and enter the password. The exchange of information begins immediately after two devices will be close to each other. Provided, of course, that the NFC itself and the possibility of exchanging is included in the smartphone settings.

For what purposes did NFC come up with? First of all, for easy file sharing between two devices. For example, to send a photo from one smartphone to another. The file can be sent via the Internet or on the bluetooth, but in both cases you need to do several actions. With NFC, it is enough to simply bring one smartphone to another, and they will install communications among themselves.

In addition to sharing files, NFC can be applied to pay for goods and services. You know about the existence of non-contact payment technologies. Mastercard Paypass. and Visa PayWave? These are special bank cards that allow you to pay through the mapping to the payment terminal. No need to insert a card in the slot, reading occurs via NFC. In such a map, the memory card is installed in which information about your bank account is encrypted. The same principle operates in BSK - non-contact cards that people pay for travel in urban vehicles.

It is logical to assume that payment data can be encrypted in the smartphone. And then pay for goods and services by bringing to the phone terminal. There is such an opportunity, and more recently it works in Russia. For these purposes, the Wallet application was developed. General order Actions to activate the ability to pay a smartphone will be like this:

Install the application (it is free, without restrictions and without advertising); - Run it and register yourself a virtual bank card, indicating payment code; - throw money on this map; - To pay, run the application, enter the payment code, choose the desired map and bring the smartphone close to the payment terminal;

What are the advantages of paying a smartphone?

You can have many maps of different banks, but all these cards will be stored in the memory of one smartphone.
In addition to bank cards, you can enter the application to pay for travel in urban transport. The principle of operation is the same. In the full version of the application "Wallet" you can already pay transport in Angarsk, Vologda and Yekaterinburg, and soon it will be possible in Moscow and in St. Petersburg.
There you can also apply all options for client cards: bonus, accumulative, discount, gift. And throw out the accumulated mountain plastic cards from various institutions.
For the release of the card, you do not need to go to the bank and enter into an agreement. Everything is done in a few minutes right through the smartphone.
This embodiment of the payment data can be considered more secure than the real plastic card. After all, losing the "plastic" you risk losing and money in the account. The contents of the "Wallet" application are protected by at least a payment password, and you can also put a password for unlocking the smartphone.
And in general, it's cool and modern!

There is one feature from the application. It lies in the fact that the full possibility of payment is implemented only on those smartphones in which the Secure Element chip is installed with full access. But there is only some HTC, Sony and Phillips models, and the application has already been preset, or installed along with the operating system update. For other smartphones, the payment feature will work only with constant Internet access. But all the advantages of non-contact payment technology still remain, except for payment for transport.

I took part in testing this technology and the "Wallet" application. I have a Samsung Note 3 smartphone with an embedded NFC, but this model is not included in the list of compatible version of the application. This means that I will need to install a "cloud" version of the program that works with Internet access. Soon it will appear on Google Play and Apple iTunes.For now, I am sending a "wallet" as a file for installation.

After installing the application in the smartphone, CardSmobile Cloud Payments label appears. We launch, and see such a sequence of pictures:

On the last screenshot, the application shows the screen where you can see a list of cards registered on your wallet. In this case, there are no cards. Therefore, on this screen, you can familiarize yourself with the reference information about the application and how to work with it. To make the opportunity to pay for the purchases with a smartphone, you need to release a virtual map. To do this, click Plusik in the upper right corner, fill in a small form (FULL NAME, date of birth, codeword, email address and mobile phone number). Click Next, after which the registration process is launched. bank card and enhancing it on the application server.

After approving the application by the Bank and the release of a virtual card, its image appears in the main application window. Also, the notification of the release of the card comes two SMS. In the first it is written all the data data, including CVC2 code, and in the second PIN. Both SMS-ki is better to delete, after remembering the PIN code, which is needed only to pay for purchases of the amount of more than 1,500 rubles.

Now on your account in the "Wallet" application there is a virtual card with real bank account. And this account is empty. The card balance can always be seen if you select the map and click the Balance button. To make it possible to pay for the purchase by this card, you need to replenish it. Make it can also be directly from the application. To do this, select a virtual card, and click the "Top up" button. Replenishment is possible in several ways. If you already have a MasterCard PayPass or Visa Paywave card, then it is enough to enter the sum of the translation, bring the card to the smartphone and confirm the translation. If you have a regular bank card, you can enter its details manually or scan them through the camera built into the smartphone. The correct recognition of details depends on the picture on the map.

After the money is enrolled on the map - you can enjoy the benefits of contactless payment with a smartphone. To do this, run the application, select a map, click the "Activate" button, enter a payment password from 4 characters, wait for the readiness of the terminal to write off the money and attach a smartphone to the payment terminal. Everything should happen if the terminal supports the payment by contactless cards and there is an NFC on your smartphone. If the amount of purchases is less than 1500 rubles, then even the PIN-code is not required.

I tried in this method of payment. And you know what? It is worth trying at least in order to observe the response of the cashiers and people in the queue. Many do not know about contactless bank cards, but about the possibility of paying a smartphone on NFC and is suppressed. It looks like this process from very curious. Every time I am falling asleep with questions like "How does it work?", "How do money come there?", "And if a smartphone is stolen?". By the way, about the theft of the smartphone. Virtual Card. Protected by payment password, without which you not make payment. But even if we assume that the smartphone was stolen and a payment password is known to them, you can contact the bank for blocking the map and cancel the operation if it was.

It may seem that this is not the most convenient way to pay off. But he has its advantages. Free issue of cards, service without annual payment, the ability to store all the cards in the memory of the smartphone. IN this moment In the appendix, you can release a map of only one bank - the Russian standard, and in the full version of Tinkoff. But the company is negotiating with other banks, and soon this list will be replenished.

Share your record with friends if it was useful:

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Application "Sberbank Online" - no queues

Sberbank - the biggest russian bank: For example, the Bank's share on the private deposit market as of January 1 of this year was 46%. Tens of millions of Russians are used by Sberbank cards, even if someone has no choice: many organizations are salary customers of this bank. Sberbank is taken to scold in turn, technological backwardness, bad service, bureaucracy, and so on. However, it is impossible not to recognize the fact that last years The situation is changing for the better. The branch of the bank is rebuilt - for example, a new branch was revealed not far from my house, where there are several dozen specialists, the number of working windows reaches twenty, and about ten ATMs are located in a separate zone.

Technical progress did not bypassed Sberbank side: a few years ago the bank launched mobile app "Sberbank Online". During this period, the number of its users exceeded 14.5 million on this indicator, competitors are inaccessible. How are things with its functionality? I will try to find out on the example of an Android version of the application. It is worth saying that the program is also available for iOS and Windows Phone database, there is even a clock version. Apple Watch..

Immediately, I would like to note that on the phones with Root Access "Sberbank online" will work in a limited mode: service payment and external translations can be carried out only by predetermined templates. As stated in the description of the application, Sberbank cannot guarantee a sufficient level of security of payments and translations to arbitrary recipients from such devices.

Anti-virus protection is built into the application - before the first launch, the phone is checked for viruses. In case of detection of problems, a list of found threats is displayed. If you disagree with the proposed actions - for example, the removal of the viruses found - Sberbank online will work in limited functionality. Built-in antivirus is a good thing, but, as they say, there are nuances. For example, in my case, the application adopted the WisePilot navigation application for the virus, which is installed by Sony to Xperia smartphones. The program had to delete that the mobile bank could fully work.

To work applications, Sberbank Customers must first connect the service " Mobile Bank"- You can do this in the bank's separation or in an ATM. If you have not previously used the Internet bank "Sberbank-online" on the computer, the application will need to register. Visually, the whole process is shown in the next video:

For the first input, you will need to enter a password from an SMS message that comes to the phone number attached to the score. Next, you must come up with a five-digit digital code, which will need to be entered when entering the application. Without authorization, you can see the addresses of the nearest ATMs and offices on the map, find out their phone and opening hours. On the Partners tab, a list of shops, salons and other organizations supporting bonus program "Thank you".

After authorization, the corresponding SMS comes to the phone immediately comes, so in the event of an unauthorized login from another device you will immediately learn about it. The main page of the mobile application is as follows:

The center displays the "Sberbank" cards, their type and amount of funds on them. A little higher, the "My Finance" item is noticeable, the default is revealed. If you deploy it, you can view costs for the current month, as well as find out the number of thanks to "Thank you".

In the upper left corner, the button is hidden, when you click on which a pop-up menu appears:

Here you can install the avatar, view the templates created by you, change the settings, write or call the bank, change the user, as well as view messages.

In the settings you can install a specific area of \u200b\u200bpayment. This item only binds to a certain place to search service providers. Speaking simple wordsThe resident of Yekaterinburg will not show management companies, providers and other organizations from other regions. Also in the settings, you can enable the display of notifications and offers from Sberbank, view a list of current threats (viruses and the like) and read the user manual. The latter is a PDF file for 185 (!) Pages.

But back to the main screen. The main functionality of the application is hidden in adjacent tabs, switching between which is carried out by brushes (swipes) of the screen, although you can simply click on the tab name.

Next to main pagethe application goes the "Payments" tab - the quintessence of the Sberbank online application. Here you can transfer transfers between your accounts, translate funds to Sberbank to customers and other banks - both by the map number and at the expense. If you select the Sberbank Client Point, the default application opens the list of your contacts. If the contact has a Sberbank card, attached to the phone number present in your list, then the bank logo is displayed next to it. Thus, you do not need to know any card numbers nor the account details to send the funds to your relative or friend. If the payment destination is not in your contact list, you can simply enter his phone number in the next tab. With the help of the application, you can ask for money from your friends or colleagues, or to lend a thousand to your neighbor to pay.

Of course, you can make a translation and more traditional way - enter the number of the recipient card number. But then the application can come to the aid if you have a plastic card at hand and you lazily enter 16 digits - the card can be scanned using a mobile phone camera. The number will be automatically recognized and entered into the appropriate field. Everything becomes even easier if the bank card supports contactless payment (PayPass or PayWave), and your phone has a NFC module - in this case it is enough to attach a map to the smartphone, and its number will appear in the application. We work both ways without complaints.

Of course, on the Payments tab, they are collected, actually, the payments that are divided into five categories: mobile connection, Housing and communal services home phone, Internet and TV, taxes, penalties, traffic police and the last item is the rest.

Sberbank online allows you to pay for more than 30 thousand suppliers without commission, so that the chances are quick and without unnecessary red tapes to do it very great. Also, the application allows you to create templates for faster payment typical operations. For those who do not like to hand over every month utilities, home Internet And the like, you can configure car plotting. For example, there is a function of automatically replenishing the account of your mobile phone when the installed minimum balance is reached. The car can be tied to a certain date - for example, to submit to the bank an application for payment of accounts for the Internet on the 21st day of each month in the amount of 900 rubles.

The History Tab contains information about all operations performed using the application, whether it is transferring to a map or payment of a mobile phone.

On the next tab, "courses", contains information about banking courses of purchase and sale foreign currency, as well as precious metals. You can sell existing dollars in stock or buy a kilogram-other platinum or gold. To perform operations with metals, it is necessary to open a metallic account - information about this is available on the official Sberbank website.

The last tab, "on the map", in essence, duplicates the similar application of the application available before authorization. Here you can see information about branches and ATMs of Sberbank.

Each goal can be given a name, description and even add a photo - apparently for additional motivation. Next, you must select the amount needed to achieve the goal, and the date to which you plan to achieve it. What happens later, after pressing the "Pour" key?

Everything is simple - Sberbank offers you to open the target contribution. The percentage is low - from 1.5 to 2.3% per annum. Translate funds to achieve your goal will have to be, of course, on their own. The possibility is curious, but the low interest rate deprives this cost of practical meaning.

If you really want to entrust your Sberbank money so that he stored them and entered them, then with the help of the application it is easier to open a contribution, more than four types available to you: they are available to choose from. Interest rate Depends on the type of contribution, currency, starting amount and term.

All existing and potential users of the Sberbank online mobile application should not forget about rather hard limits operating on operations. So, payments in favor of any cellular operators And the email wallets cannot exceed 10 thousand rubles per day. Translations for Sberbank and other banks are limited to a mark of 100 thousand rubles per day. This limit can be raised to 500 thousand rubles if you confirm operations in contact center Bank, or use templates previously confirmed in the Bank's Contact Center.

The Sberbank Online application allows you to get rid of the campaign to the Bank's branch in the event of most typical operations - and this is its main value. Developers managed to create a convenient application with a simple and understandable interface. Of course, it is not able to replace a full-fledged Internet bank - for example, in the program it is impossible to receive an extract on the account, it does not reflect the operations on the map, performed not within the application (purchases in stores and the like) - but before the application and not put such tasks. Average estimate of 4.5 points on Google Play, App Store. And Windows Store speaks for itself - users are satisfied. So if you for one reason or another are the Sberbank client, then Sberbank online application is capable of making your life a little easier.

If you notice a mistake - select it with the mouse and press Ctrl + Enter.

3dnews.ru.

Android Pay: How to set up and how to pay?

If you have a phone on Android, then I have good news, in Russia we earned the payments of Android Pay, you can try to pay directly from the phone without getting a card from the wallet. In principle, it was possible to pay for purchases using a smartphone on Android, for example, a Tinkoff Bank supports such operations, but for this you need to run the application every time, to confirm the payment, making an extra action.

What banks support?

So far, the list of banks consists of such organizations, subsequently it will grow.

"Alfa Bank";
"AK BARS Bank";
BINBANK (at the time of launch only MasterCard);
"VTB 24";
MTS-Bank;
"Opening" (including Rocketbank and "Point");
"Promsvyazbank";
Raiffeisenbank;
"Rosselkhozbank";
Russian Standard (at the time of launch only MasterCard);
Sberbank;
« Tinkoff Bank»;
Yandex.Money (MasterCard only).

What phones support?

All smartphones on Android, I will notice here to list, the main thing is that NFC support is present, and the phone was Android 4.4 and above. In addition, the list of requirements is the presence of official firmware, no custom. Also, the phone should be without root and without a unlocked loader. If you do not know what it is, that's fine, and if you have already managed to dig in the filling of the phone, then do not be surprised that there may be problems.

NFC works in most middle-class phones, but with budget models problems, options with NFC are not so much. It is clear, if you have a top Galaxy or Xiaomi, then this question is not discussed, you will have NFC.

Accordingly, do not forget to turn on the NFC in the settings. And do not worry, the battery charge does not eat this feature.

Where to get the application?

In the theory, the program can be found in Google Play, but at the time of the preparation of the material the utility could not be found on the search. I think that after the official launch there should be no problem. Here is the link to android app Pay.

How to configure the phone?

The process of setting up the phone is simple, just enter the CVV code and all - the rest of the map data will take the application from the Google account if you have previously added a shopping card to Google Play. If not added, then the process will be a little longer. Open the application, enter the card data: number, owner name, CVC code. Either use for this camera, the phone itself scans without unnecessary actions.

To confirm the actions, you may also need to enter a fingerprint and pin-code for additional security.

You can enter multiple cards, and when you pay, select the desired in the application.

Need to pay for anything else?

No, service is free, no commissions or subscription fee.

Where do I make purchases?

Yes, in principle, anywhere, if only the terminals supported PayPass and PayWave systems. Believe the phone to the terminal and pay, when purchases up to 1000 rubles, the PIN code is not required, but sometimes you need to specify it or sign on the check. If the oparation has passed successfully, then hear the signal confirming the payment. Then the SMS with the remnant of money on the balance will come, if, of course, such a service is connected.

It's safe?

Yes. While paying a disposable code is created, and the data of the card itself is not used. Even if someone grabs this information, they will not give anything to an attacker, useless data.

Opinion

I could not add Sberbank Card Master Card, and with Visa Alpha Bank and Tinkoff everything was in order.

I have been using it for a long time Apple Pay., sometimes paid through the Tinkoff application on Android phones. Turn the smartphone into the payment system is a great idea, especially when you use in a clue with a clock. Attached and went further, for purchases in stores in stores for simpler partitioning with finances and do not come up. The main thing is that the terminals work and everything is configured, and sometimes there are problems, and some establishments in Moscow still work only on cash. Fully spread with paper money does not work, but it becomes more convenient to live, this is a fact.

For shops, technically savvy people are a find. Buyers often make purchases simply because they like new way to spend money. This time. The second point - people pass faster through the cash registers, less worm, more sales. The third time is reliability, simplicity and mobility.

Modern technologies do not stand still. They develop so quickly that many people simply do not have time to figure them out. More recently, the payment of goods on the Internet was new. And how it works, only a limited percentage of people understood.

Now the technologies are developing even rapidly. Came a turn of mobile phones. Literally every month, new models appear on the market, equipped with dozens of useful functions. One of them is the payment of purchases by the phone. How is it possible? How to pay a telephone in the store? What do you need to know and have? Let's deal with.

Is it possible to pay with the phone

One of the recent innovations from which our citizens met is a system of contactless payments. Here we are talking about such types of cards as Visa Paywave and MasterCard Paypass. A huge number of people have already appreciated the simplicity and convenience of this technology. In order to pay for the purchase, you just need to bring "plastic" to a special POS terminal. At the same time, there is no need to enter a PIN code or make any more actions. Everything happens automatically. This incredibly speeds up payment.

The same process was taken as a basis for developing with the help of the Mobile. The technology is called NEAR Field Communication (abbreviated NFC). The owner of the smartphone generates a special payment card having a function of contactless payment. This uses a special mobile application different for each system.

Popular contactless payments programs

As already mentioned, in order to turn the smartphone in the wallet, you need special program. You can pay the phone if you have one of the following applications:

Samsung Pay;
Apple Pay;
Android Pay.

What kind of program to install depends on which operating system your smartphone works on. "Apple Falls" is suitable exclusively Apple Pay, smartphones on Android will respond only on Android Pay, well, the remaining program is suitable only for smartphones of the relevant brand.

Slightly below, we will consider in detail how to pay the phone in the store using a particular system.

Apple Pay.

This contactless payment technology was built into the device "apple" brand. Its essence is that you no longer need to carry countlessly different plastic cards with you. You can simply "tie" all plastic media to the smartphone and convenient to make purchases.

Make it is easy, and the service is really simple and easy to use.

Primary settings

To proceed with the use of Apple Pay, you will have to make several preparatory actions. To begin, it is necessary to open a card account in one of the offices of the following financial institutions:

"Alfa Bank".
"VTB 24".
Rocketbank.
Bank "Saint-Petersburg".
Tinkoff.
Bank opening".
Gazprombank.
"Russian standard".
"Yandex money".
Sberbank.
"MDM-BINBANK".
Raiffeisenbank.

The list is constantly updated and it is quite likely that soon there will be several dozen banks in it.

And, of course, you need to make sure that your iPhone can cope with the installed application. Technology support such models:

iPhone SE, 6, 7, 6S and 6 Plus and 7 Plus;
MacBook Pro 2016;
iPad recent versions;
and II generations.

If you have a phone of an older model, you will have to pay a little with contactless payments.

In addition, to install Apple Pay and its normal functioning you will need an Apple ID ID and updated to latest version Operations.

You can add whole 8 payment cards to the "Apple" for incontactable payments.

Algorithm application

Here is a small instruction for those who do not know how to turn the phone to a bank card:

Open the Wallet system and click on the Active Reference "Add Payment Card".
Enter the Apple ID code.
Put in the proposed field data of the payment plastic card: the name of the holder, the validity period, the number. Specify a brief description.
If there is no desire, you can simply take a picture of the card carrier. In this case, some of the fields will be filled automatically.
After that, it is necessary to wait a bit. The bank, which issued a card, will determine its authenticity, identifies and decides whether it is possible to attach it to the iPhone.
When the check is completed, click the "Next" button and wait a little more.
Ready. Now you can use your smartphone to pay for purchases.

And how to pay a phone in the store? Very simple. To do this, it is enough to bring a smartphone to a special payment terminal. In this case, you need to hold the Touch ID to your finger. Who does not know, this is a large key at the bottom of the case. Hold a little smartphone near the terminal and wait for the audio signal. He will notify you that the operation is completed and successfully passed.

Android Pay.

And how to pay using a phone running on the "android" system? There is nothing complicated here too. You can download a special application from GooglePlay. But it will only be able to work only when performing the following conditions:

presence of the "Android" system version 4.4 or higher;
pre-installed NFC module;
lack of open unlimited access to smartphone systems (root-access).

There are several more conditions in which the Android Pay system cannot use:

in the smartphone, the OS loader is not unlocked;
the version of the "Ourser" for developers is pre-installed or there is Samsung MykNox;
the smartphone is a fake and has not passed the approval procedure in Google.

Before you pay the phone in the store or salon, you must correctly install and run the appropriate application. You can do it like this:

download and install service;
open the program and find your account;
press the "+" icon in the right corner below;
select "Add Map" and fill out all the necessary fields;
confirm the data by entering a special password from SMS.

Ready. The map is "tied". Before committing contactless payment, It is necessary to make sure that the terminal supports such technology. Most often about this is evidenced by special stickers in the form of radio waves (contactless payment) or the Android Pay logo.

Pay the phone your purchases in this case is also easy. To do this, it is enough to withdraw the device from an inactive mode and bring it to the rear panel to the appropriate location on the terminal. The program "Android Pey" is not necessarily. It is activated itself.

Now you need to wait 2-3 seconds and make sure that the payment is made. Further actions will depend on what kind of card is "tied" to the smartphone. If you pay a credit card with a limit exceeding, you will need to additionally put the signature on the check. If a debit "plastic went into move, you will have to enter a PIN code.

Samsung Pay.

This system is not so popular as predecessors. However, the number of users is rapidly increasing. In part, it contributes to the fact that with the help of Samsung Pey, you can pay not only on the system of contactless payments, but also where the magnetic strip is installed in the terminal. This is possible thanks to a specially developed protected magnetic transmission system (Magnetic Secure TRANSMISSION or MST).

The fact is that smartphones supporting this special technology can create a special magnetic field.

The list of financial institutions supporting such technology is not too large, but constantly expanding.

To use the application, your smartphone must support NFC and have an "OPERATION" not lower than Android 4.4.4.

The process of starting the application and the binding of the card is almost identical to the fact that they were described above:

download application and activate an account using e-mail;
determine the path of authorization using a pin-code or fingerprint;
press the "+" symbol or the "Add" link;
enter a plastic card data or scan it;
read the terms of service, put a "tick" in the right field and click "Take everything";
confirm your actions using a password from SMS;
stylus or just put your signature on the screen of the smartphone;
press "ready."

In this way, you can "tie up" to the smartphone no more than 10 cards. Everything works very simple:

run Samsung Pay;
choose a map;
log in with the help of a pin-code or fingerprint;
apply the phone to the POS terminal and wait a couple of seconds.

Pros and cons of payments through the phone

Despite the popularity of technology, it still has more minuses than advantages.

First, the places where you can pay a telephone, at the moment there is not so much. This is especially true of small cities or towns. After all, in order to make such a payment, you need the corresponding terminal. And it is installed far from everywhere.
Secondly, many cashiers are simply afraid to do anything wrong and come up with various pretexts in order to refuse in such a payment method.
Well, finally, to pay in a similar way, you must have a fairly expensive and "tricky" phone. And he, unfortunately, is not far from everyone.

However, the advantages of paying the phone too. First of all, it is stylish, fashionable and still attracts attention. In addition, it is also incredibly convenient. After all, you do not have to wear a whole bunch of plastic cards and remember the PIN codes from each of them. It is enough to make all the data into the program once, and in the future it will make everything for you.

Conclusion

Now you know how to pay a telephone at the checkout, and if necessary, you can do it. Technologies are developing so quickly that the day is not far away when this phenomenon is no longer surprising, and the calculations using the phone will be available everywhere.

If a mobile phone was previously used for calls and SMS messages, then in modern realities it is used everywhere: sit in social networks, Make photos, listen to music, browse the video, etc. Recently, it became possible to pay for goods and services by the phone instead of the Sberbank card by installing the corresponding application and settings on the smartphone.

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Necessary terms of contactless payment

To pay for purchases or calculation for travel using a smartphone, a device equipped with NFC technology (almost all modern manufacturers produce mobile phones with similar innovation) or setting the NFC module. You also need to connect a debit or credit card - to make information about them in memory of the mobile phone, so as not to specify them when paying.

Contactless payment service is available to iPle Pay (Apple Pay) and smartphones with android operating system. SAMSUNG PAY also uses popularity, the service works on the devices produced by this manufacturer.

How to set up NFC to pay Sberbank card

The savings bank was one of the first credit institutions supporting the Wireless payment system in Russia. Each bank client, which is the owner of a smartphone, can activate this feature for free.

To configure the NFC, you must perform the following actions:

Find this feature on your mobile phone and activate it. On Android, it is located in the "Wireless Network" category;
Install the application to pay the phone;
Tie a credit or debit card Savings bank;
Perform settings payment systemsthat funds were written off from the specified card.

When you binding at the same time multiple cards, one of them will be considered the primary default. You can change this at your request at any time in the settings. And the selection of the program for wireless payment depends on the phone brand.

Overview of applications for payment via NFC

To calculate the Sberbank card in one touch, you will need to install one of the applications:

Yandex money. Installation occurs on the phone. After installation, select the "Contactless Payments" section. You have a Virtual MasterCard Card, the security code will be sent to a cell phone. It will be needed if you want to make money or exceeded the limit on one thousand rubles.
Visa Qiwi Wallet. Download and install the application, tie a wallet to the phone. To confirm the binding, you will need to enter disposable passwordwhich will enroll on the smartphone. When shopping in the amount of less than one thousand rubles to calculate, it is enough to unlock the screen of the mobile phone, with larger purchases it will be needed to enter a PIN.
Wallet. Bank cards. The official application from the credit institution, you can download it on the Google Play service. For correct operation, it is necessary to have an android version not lower than 4.4.
Installed on mobile phones Company Samsung. In addition to NFC, gadget owners receive the MST function. The first is only available on devices operating with contactless payment, the second on all terminals that take cards with a magnetic strip.
Apple Pay. Integrated into Wallet, available for apple owners from Apple. Allows you to calculate in online stores and through terminals with wireless payment.

Take advantage of the contactless payment system can customers of a savings bank having masterCard map PayPass or Visa Paywave (tie them will not be difficult).

How to calculate

Contactless payment of the Sberbank card using a smartphone is available in many stores, public catering sites, airports or metropolitan. It is enough to bring plastic to a special reading device. You may need to activate the program before this, i.e. Enter the code you gained when installing the application. PIN or password from SMS messages will be needed to confirm the transaction for the purchase amount exceeding one thousand rubles.

Payment is made within a few seconds, simply turn on the smartphone and bring to the terminal. As soon as the money spikes, the appropriate inscription will appear on the screen and the characteristic signal will sound. Additional commission fee is not charged credit institutionnor the seller.

How to replenish the balance

To be calculated by the phone instead of the Sberbank card, constantly follow the balance of plastic account balance. Timely replenishment is possible in the application, through Internet banking or an ATM.

Safety

Some users still do not trust the innovation system, fearing for safety own finance. In fact, the contactless payment system is several times more reliable than a standard calculation procedure by a regular credit card:

You do not provide any information about plastic. The transaction is carried out using a unique password that reads the device. It is unrealistic, as it is reused, since each operation has its own cipher, the combination of numbers is constantly changing;
With the loss of smartphone, a foreign person will not use the application. First, many modern devices are equipped with Touch ID technology, i.e. Unlocking the mobile phone is performed after the device checks the fingerprints. Secondly, to access the program, you must enter a unique code;
Write-off of funds is impossible twice in one transaction, because after payment the terminal is immediately turned off.

One of the main advantages of the innovation technique is a high payment speed. In big cities, the payment system has already been widespread. Contactless payment is convenient, there is no need to carry with you constantly credit card and enter its data. NFC activation occurs within a few minutes, just download the program and tie a plastic card.

However, there is a method and disadvantage - if the smartphone will sit in the battery, then you will not be able to pay anywhere.

Android Pay.

Android Pay is one of the most popular electronic payment systems from gadgets operating on the Android operating system. The service is free, to connect it to the clients of the savings bank can use Internet banking. All operations carried out using this system are under reliable protection, since the smartphone does not store the plastic number.

If you have a mobile phone with NFC module and Android OS version 4.4 and above, as well as a savings bank card (all categories of cards are available for connecting service, with the exception of Maestro), you can connect electronic payments. For this you need:

Download from Google Play Sberbank online app;
On the main page, select the required card and details about it;
Click on "Add to Android Pay", follow further instructions.

When the smartphone is lost, change the password, lock the phone or erase all the information from it using the "Remote Android Management" function.

To pay, unlock the display of the phone and bring to the reader. After the characteristic signal and inscriptions on the "Finish" screen, the operation will be completed. You can add a credit, debit, gift card and pay for purchases in the application, in ordinary and online stores.

Conclusion

Payment by telephone instead of the Sberbank card is used not only when calculating the goods, but also for travel in public transport. When the service is connected to the PC, it is possible to make purchases in virtual stores.

New technologies are quickly included in our lives, and no one will not surprise the opportunity to pay in retail outlets with a smartphone. After all, each person goes with a phone that can now have a payment tool function.

Sberbank is one of the first financial institutions that offers its customers to use the payment feature using the phone. Many have already taken advantage of, others heard about it, but do not know how to tie the Sberbank card to the phone for contactless payment. We will try to highlight this question in detail.

The essence of contactless payment

Near Field Communication (NFC) is based on contactless payment, these words are translated as "near-field communication". It makes it possible to exchange data between devices at a short distance (no more than 10 cm). This technology appeared in 2004, initially debit contactless cards were first, and now it is possible to use the phone for this technology.

A regular user is little interested, exactly how such a technology works, where frame antennas are located, what kind of coding is used to transfer data. They heard about such technology, that it is convenient and safe and they want to know how to configure NFC to pay Sberbank card but. So, we will analyze what is needed for the payment.

It is clear, in order to take advantage of this technology, the old phone is not suitable. For contactless payments purchases in retail outlets you need:

You can have a phone with a built-in NFC chip chip, you can find its symbol on your mobile or battery pack. Therefore, if you get a new cell phone, then buy it with new technology.
Connect the application to the phone for contactless payment. You can make it in the Android settings on the Wireless Networks tab, check the box opposite the NFC.

The payment procedure in the store passes pretty quickly, you bring the phone to the terminal and the money reading occurs instantly. What are the advantages of this payment:

Payments pass in seconds.
Security and reliability of transactions.
You can use such a payment not only in our country, but also abroad, wherever there are terminals with such technology.
It makes no sense to carry bonus cards with you, all your discounts and bonuses will be saved in the application.
You spend much less time at the box office.
Technology is used for free.

What Sberbank maps have such a function?

Sberbank releases many cards and almost anyone can be connected to such technology, and then leave at home and use the phone to pay for purchases. In the number of such cards for which you can configure contactless payment on the phone, the Sberbank includes the world map, the exception is Visa Electron and Maestro.

How to choose a better payment system?

If you are going to configure contactless payment by the Sberbank phone on Android, then, for sure, you are interested in how to install the interface to be understood, and it was convenient to use.

Now in the Russian Federation, the three largest systems in the world are used, which are launched here and we will tell about them in detail below. All of them use the same technology are absolutely safe and reliable. But they have their advantages and disadvantages and features, since they were designed by different manufacturers of smartphones.

Apple Pay.

Sberbank The first in Russia began to use the Apple Pay system and now cooperates with developers. This payment system is supported on iPhone models, only from version 6, as well as on other developer digital devices. Apple Pay has some limitations:

high cost of phones where supported this system, only four models that can be tied to it;
there must be a scanner for fingerprint;
necessarily the presence of a terminal who can read NFC chips;
the developer prohibits reading chips of other applications, so there are restrictions on cooperation with partner banks.

Android Pay.

The developer of this system is Google. You can use it on the phones with Android OS. This payment system connected a large number of banks, and it has many advantages:

You can connect as many plastic cards as you need and when you pay you choose yourself.
The system can be used on any phone where there is an Android OS, there is no binding to a certain brand of phone.
There is a bonus card, where all your points and bonuses are saved.
When purchases using this system, you get bonuses and participate in various draws.

Maximum just pay in the store, having the Android Pay system on the phone. You only need to unlock the phone and bring to the terminal at the checkout. There is no compulsory requirement that the scanner is in the smartphone.

As you can see, the benefits are good, there are still small restrictions. You can pay only in stores where there are terminals with contactless technology. The application does not work on the so-called rutted phones where the desired manufacturer restrictions are removed and therefore reduced safety.

Samsung Pay.

The application developed by the Korean company is competing to other systems. Advantages that can be kept by selecting Samsung Pay:

There is a binding to phone models, but they are already six, which is more than in other companies.
Phones for which you can install the system have a completely competitive price.
The smartphone can be used when paying on those terminals where there is no NFC technology, because there is an imitation of the magnetic strip.

Note that this application requires an obligatory preprint of a finger in the phone. The main advantage, of course, is that you can pay in any terminal, and there is also an opportunity to directly tie a card to Samsung Pay through Sberbank online.

First of all, you need to make sure that the phone supports NFC technology and you need to activate it in the settings.

Buying a phone, see if there is a NFC sticker, then open the Android settings menu and find the "Wireless Network" section in it, open it and see the NFC and Android Beam options. Opposite the NFC we put a tick, and on Android Beam you need to poke your finger to customize the exchange of data.

For iOS above 6, activation is not required, but you need to check compatibility. You can immediately open the Wallet service and online card activation.

Direct connection through Sberbank online

Many are interested in how to connect NFC for Sberbank payments in the simplest way. You can do it through Sberbank online. To do this, first you need to go to Google Play from the phone, to download and install the application. Then go to the program and find the map you need in the menu, open it, and then select "Add to Android Pay" (or other system). Next, you need to follow the instructions of the wizard and continue adding a payment card until the process is completed.

It is also possible to directly add payment cards to the system, for example, in Android Pay.

Download and install on the cellphone, we make the screen lock, and then open it. At the bottom right on the screen, select "Maps" and press the "+" button. Next, click "Add Map" and in the window that appears it is necessary to make all the maps data manually. Then you need to select a confirmation method, via SMS or by mail and enter a confirmation code, waiting for the completion of the process. All, payment is configured!

Payment by phone

To pay for purchases at the checkout, contact the phone to the terminal at a distance of no more than 1 cm and wait for the message on the phone confirmation. It is possible to unlock the phone by scanning a finger, a graphical key or password.

How is safety?

Due to use newest technology NFC, which allows devices to exchange data on a minimal distance, it is impossible to intercept these attackers. Before using the phone must be unlocked, which also improves safety, especially if there is a finger scanner. Therefore, users can be absolutely calm for their finances, they do not need to carry cards with them, risking them lose or forget PIN code. The history of its transactions can be viewed through Sberbank online.

Mobile phone has become a continuation of a person's personality. Wherever you are, he is always next to you. A small ergonomic device binds you with the whole world, pleases with your favorite tracks, demonstrates movies, offers exciting games. The phone turned into a better friend of man. Recently, it became possible to use it as a payment agent. Knowing how to pay the phone instead of a Sberbank card, you can use your iPhone or Android to make payments. There will disappear the need to carry a small card with you, which is very easy to lose.

Turn into analog plastic card iPhone or Android can only if there is NFC technology in it. All the latest models of leading manufacturers have this innovation.

It is the embedded NFC technology that allows the phone for purchases and travel in public transport. In order to start using the device instead of a bank card, you need:

configure NFC;
connect one of the options of the card - debit or credit;
make information on the payment agent to the smartphone;
start paying a mobile phone.

Make all of the listed in just a few minutes.

How to configure NFC to calculate the Sberbank card?

Sberbank is one of the innovatives of the Russian Federation. Among the first bank provided its customers with the opportunity to use an iPhone or android payment for contactless payment. Any finachery client, which has a modern mobile device, can activate the option for free.

To contactless payment has become available, you need:

Overview of applications for payment via NFC

So that you have the opportunity to pay attention to the store with the help of a phone, you need to install one of the following utilities on it:

Android Pay;
Apple Pay;
Samsung Pay.

To disassemble which drivers to download, will not work. If you have a Samsung phone, your application is called samsung pay. Android operating system recognizes Android Pay. And the owners of the "apple" devices will need to take advantage of the Wallet functionality.