Plastic cards have long been included in our lives. Small, comfortable payment instrument, which is accepted almost anywhere in the world. It's also very safe. You must always remember the PIN code and make sure that the card is not lost, otherwise the attackers will recognize the CVV and, for example, pay for purchases in the online store. But there is an alternative solution - PayPass. What it is and how to use this tool, you will learn from this article.

Definition

PayPass is a contactless payment technology with MasterCard. To pay, it is enough to attach a card with a microprocessor to the terminal. This is PayPass technology. In fact, the card is a microcircuit with an antenna. In Taiwan, the United States, Spain and Turkey, the MasterCard PayPass microprocessor is embedded in wristwatches, mobile phones, and other items that people carry with them on a daily basis.

Such a secure one allows you to make small purchases easily, quickly and safely. Now during the payment there is no need to worry about bills, pass the card through the terminal, sign checks. The user just needs to touch the special terminal. PayPass technology is very useful in the field of merchandise trade with low cost and high transaction frequency. But for its wide development in the future, it is necessary to strengthen the safety of operations.

The history of development

In 2003, MasterCard tested the use of contactless technology for 9 months in Orlando and Florida. At 60 different points of sale, users paid with 16 thousand cards. In parallel, the company was working on its compatibility with Nokia, JPMorgan, AT&T to implement PayPass in mobile phones. In 2008, the 50 millionth device was released. By this time, 77% of users have used contactless technology as their main means of payment. By 2010, PayPass was launched in Bulgaria and Slovakia; users had 75 million cards in their hands, which were accepted in 230 thousand terminals. According to financial report company for 2012, the volume of production increased by 50% due to the growth in the number of users throughout Europe. Today PayPass cards is issued by Sberbank of Russia and Privat in Ukraine.

PayPass potential has not yet been revealed

What does it mean? Contactless transactions are beneficial to all market participants: consumers, merchants and banks. Financial organizations provide their clients with a greater number of issuers - increasing the loyalty of account holders to card programs. This technology can complement any credit, debit, co-branding and other programs.

Merchants with a PayPass terminal can serve their customers at a higher level. Reducing the number of operations speeds up the process cash service and ensures its higher efficiency. The first large enterprise to use MasterCard PayPass is McDonald's. Soon interest in new technology originated in football players and golf lovers. The contactless system is now used in turnstiles, vending machines, etc.

PayPass: where is it accepted and issued in Russia

First contactless payment in the Russian Federation was held on 09.09.08 in the Moscow restaurant "Five stars". The first PayPass card was issued by the Industrial Bank in 2010. It is planned to issue a separate edition of the cards for students and teachers. They can be used not only for their intended purpose, but also as a student book and student card.

Since 2011, a card with a magnetic stripe and a microchip has been issued by Raiffeisenbank. It is given out to customers free of charge as part of the "Premium" package. But for use, you need to have at least 2 million rubles. or 1 million if you spend more than 25 thousand rubles a month. Customers who do not comply given condition, will pay 3000 rubles a month.

Analogues in the world

Contactless technologies also exist in the Visa system. PayWare is an analogue of PayPass. What does it mean? Visa and JCB Co. Ltd. signed an agreement on the adoption of MasterCard development as a single protocol, that is, all contactless technologies will be tested according to the same scheme, ensuring the compatibility of all brands.

The main advantages of contactless payments:

• modern calculation method;
• universal means of payment - such bank card can be used not only on new devices, but also in numerous ATMs and terminals;
• long service life;
• high speed of payment;
• protection from fraudsters.

But there is also one big drawback - the lack of a developed infrastructure, the cost of which is so great that neither banks nor trade enterprises are in a hurry to invest in it. In the UK, only 10% of stores have installed terminals in 3 years.

PayPass: how to use

Thanks to the presence of a special chip, contactless cards can make small payments without authentication by the holder. Such transactions are limited to 15 dollars in the USA, 50 zlotys in Poland, 10 pounds in the UK, 1000 rubles in Russia. Operations on large sums will have to be confirmed by signing the check or entering the PIN. But not all banks allow it. For example, in Germany and Austria, if the limit is exceeded, payment will have to be made using the usual contact method.

MasterCard issues debit and credit PayPass. How do I use a contactless chip?

After each transaction, the amount is debited from the bank or personal account. Since the connection is contactless, instead of a card, you can use a key fob with an RFID sticker, a smartphone with NFC, etc. You can pay for goods only at retail outlets with the PayWave Visa, PayPass logo. The terminal confirms the reading procedure with a sound signal. The user does not have to transfer the card to the wrong hands, enter the PIN-code, sign the check. It is enough to bring a wallet with a card to the terminal. There should be no other plastic media with a chip inside. In Germany, they are also installed on identity cards.

Security

Contactless transactions significantly reduce the time. But in terms of security, users have a lot of questions. The RFID chip can partially remotely clone cards at a distance of up to 2 cm. This fact casts doubt on the complete contactlessness of use.

PayPass prevents direct reading from RFID. The chip contains information about the card number and expiration date, and this is not enough for online transactions. A one-time code is generated for each operation. If you read it before using the card, you can create a clone of it. The first application of the code by the duplicate will be approved, and repeated by the original will block both media. Given the low transaction limits, card cloning is not profitable.

It will not be possible to perform many operations from a mobile terminal. In areas with a large population, data on such transactions must be sent to an authorized center so that outsiders cannot unauthorized use the card. Such systems analyze each generated code and check it for duplicates. For full protection information, you need to shield the card, for example, wrap it in foil.

Where to use MasterCard Mobile PayPass technology

In and others large cities There are many “contactless” points in Russia: supermarkets, cafes, restaurants, pharmacies, gas stations, beauty salons and other similar establishments. In addition, some organizations hold promotions for users of PayPass technology. For example, in the northern capital, by the end of February, by paying for an order in your favorite cafe using a smartphone, you can get coffee as a gift.

In order to pay for the purchase, the cardholder Mastercard PayPass does not need to enter a PIN or sign an autograph on the check.Modern and future-proof contactless payment technology makes shopping faster and easier.What is this system and how to get such"Plastic", you will learn from the article.

Its essence is as follows. Into the usual payment card the chip is implanted. It allows you to make cashless payments by simply holding the card to the payment terminal.

In Russia, in this way, you can make purchases for an amount not exceeding 1 thousand rubles. If the cost of paid goods / services is higher, PIN numbers or personal signature will be required.

The microprocessor with PayPass function is also available in sticker form. It can be glued to any convenient device such as a mobile phone or key fob.

Holders of MasterCard and Maestro PayPass will be able to use contactless payments. Visa offers a similar technology - Visa payWave, and American Express - Express Pay.

Payment by card with this technology is much faster than with ordinary "plastic". The owner of Mastercard PayPass does not hand it over to the cashier, always holds it in his hands, and controls the process from start to finish.

Funds from the account when using contactless payment cannot be debited 2 times. After the first payment is made, the terminal beeps and turns off.

This technology is equipped with both credit and debit cards... As a rule, the tariffs for these banking products are similar to those set for conventional "plastic". On the website dedicated to PayPass, you can find a list of Russian banking institutions that issue such cards.

Among them are Alfa-Bank, Promsvyazbank, Russian Standard, Trust, Sberbank. PayPass as convenient service offer a total of more than 30 financial organizations, their list is constantly expanding.

1. At Alfa-Bank, customers can choose contactless "plastic" from both budget and expensive offers:

• 6 debit cards... Among them are classic Standard and Gold, as well as varieties of Aeroflot cards (Standard, Gold, Platinum and World Black Edition). They allow you to accumulate bonus miles that you can spend on air travel.
• 2 types of credit cards from the Aeroflot series: classic or gold. The interest-free period for them is 60 days. Service cost - from 1225 rubles.

2. In Promsvyazbank, the following are available for registration:

• premium "PSB-Platinum", which assumes priority service for its owner around the clock;
• premium All Inclusive. It provides free cash withdrawals from ATMs of Promsvyazbank, 5% cash back for purchases and free Internet banking;
• credit "Supercard" with a grace period of 145 days, zero annual service and a limit of up to 600,000 thousand rubles.

3. Russian Standard Bank does not offer MasterCard debit cards with one-touch payment technology. You can choose from the following types of credit cards:

• included in the RSB Travel Classic package. Its composition is 2 cards of American Express and MasterCard systems. Owners of "plastic" can accumulate bonuses, and at their expense pay for travel packages, plane tickets, hotel accommodation, car rental. Card limit - up to 450 thousand rubles;
• from the RSB Travel Premium set. It differs from the previous one in premium status. In particular, the package of services includes accident insurance. Its cost is included in the payment for the card's annual service. Credit limit up to 750 thousand rubles;
• included in Malina Gold Cards. Bonuses accumulated by cardholders during purchases can be exchanged for goods and / or services of program partners. Among them - shopping centers, pharmacies, gas stations, etc. This privilege is available to residents of the capital, St. Petersburg, Moscow and Leningrad regions;
• Russian Standard Gold. The card makes it possible to place personal funds. Rate - from 37%; limit - up to 750 thousand rubles; grace period - 55 days;
• RSB World MasterCard Cash Back Card. This card provides for a refund of money spent on purchases (standard - 1% of the amount). Credit limit - 450 thousand rubles; the grace period is 55 days.
• Separately in the line of banking products is the "Russian Standard NFC bank card". This is a SIM card. Suitable only for devices that support "NFC". Paypass in this case works the same way as with regular cards. Difference: instead of "plastic", you need to bring a mobile phone with an inserted SIM card to the terminal.

Near field communication- a system of information exchange between devices that are at a distance of about 10 cm. In terms of functionality, it is similar to Bluetooth.

4. Unlike Russian Standard, in Trust Bank, choosing a card with Paypass technology is available only among debit products.

• MasterCard Platinum. Owners are allowed to withdraw money from any ATM without commission. The balance of money on the account is up to 9%. Internet banking is provided free of charge. Insurance is provided for holders. The first year of using the card is free.
• MasterCard Black Edition. For the convenience of status clients, there is a round-the-clock concierge and miles accrual for buying air tickets. All of this is in addition to the privileges of the previous card.

5. Sberbank of Russia offers the following cards from the MasterCard line:

• class Standard. It can be opened within salary project... Account currency - Russian rubles, euros, US dollars. It is possible to receive cash on identical terms both in the Russian Federation and in subsidiary banks abroad. The cost of the first 12 months. service is 900 rubles / 30 dollars / 30 euros;
• premium "Sberbank Premier" as part of the service package of the same name. Customers can issue up to 5 debit cards with contactless technology. Among the advantages of plastic holders are Concierge services, “ Priority Pass», Travel insurance, etc.

The process of obtaining a card with PayPass does not differ from receiving the usual bank "plastic". The procedure itself depends on the bank, the services of which you decide to use. In some, you can apply for a card issue on the Internet. In others, you will have to write this statement in person, at a bank branch.

The production time does not exceed the terms for ordinary plastic cards without a PayPass chip. For example, in Trust Bank they are ready to issue a card in 5 minutes.

The card is issued as follows:

• Choice of bank, card and tariff.
• Submitting an application online or directly at a bank branch.
• Waiting for card production.
• Signing required documents.
• Receiving a card at a bank branch.

Holders of any active Kukuruza card can receive World MasterCard PayPass Kukuruza. Peculiarities:

• personalized card. This means that with its help you can not only pay for goods / services, but also book a hotel or rent a car;
• for each purchase, the owner receives 1.5% in the form of points;
• after activating this card, your previous, unnamed "plastic" is blocked. Money and points from it are transferred to the "Corn" World MasterCard PayPass.

1. Order a card in the Payment Cabinet of your valid card.
2. Pick it up from the courier or at the Russian Post office.
3. Give the card an active status: via SMS or Payment Cabinet.

Service of the personalized "Kukuruza" is free. The cost of ordering and delivery is adjusted individually (depending on the location of the settlement).

Using a PayPass card, you can pay for services in those places where payment terminals are installed that support this functionality. Most large stores, pharmacies, restaurants, cafes, cinemas accept payments using PayPass technology. The St. Petersburg metro was the first among transport companies in Russia to launch a one-touch payment option.

On the site payment system MasterCard you can find a complete list of contactless payment companies. It requires:

1. Enter the city.
2. Select the category of the establishments you are interested in (pharmacy, gas station, restaurant, etc.). You can specify a specific name or enter an address.
3. Look on the map for a list of places where you will be accepted for payment with a PayPass card.

The advantages of this technology include:

• Reduced payment time.
• Simplification of the procedure.
• Contactless payment security. The card is always in your hands, and you have full control over the payment process.
• Convenience. With the help of a microprocessor-sticker, you can pay for purchases with the item that you always have with you (phone, key fob, wallet - whatever).

However, there are also disadvantages of this technology:

• Non-prevalence. If you do not live in the central regions of Russia, then the number of terminals equipped with PayPass technology there is much less.
• Technical difficulites. One-touch billing systems may crash and may not always work. For this reason, it is not yet possible to completely abandon plastic cards and cash in favor of PayPass.

• Avoid negative impact on the card - bending, moisture ingress. All this can damage the PayPass chip.
• Always carry cash with you, as contactless payments sometimes fail.
• Do not keep the card in easily accessible places such as back pockets of trousers, side pockets of bags, etc.
• Do not share your PIN code with third parties.

The active development of innovative technologies affected and banking... Plastic cards are successfully replacing press bills, and there is no need to calculate how much cash you need to take with you. Many citizens do not even know about the PayPass system: what it is, how to use the card, its options. The third part of the map users do not understand why the wi-fi sign is drawn on the map, as well as how the functionality itself works.

PayPass contactless payment technology is a special system that allows you to make payments of a certain denomination without a card. For this, trade enterprises are equipped with multifunctional reading devices for servicing such devices.

It is important to convey to the majority of the population the convenience, reliability, and ease of use of this option. Paypass contactless payment technology allows you to settle with the seller of goods or services in a matter of seconds. In the future, this will pay off to the owners by increasing the market segment of loyal users.

The Pay Pass system dates back to 2003. Initially, the first copies were used only as test options. But already in 2005, mass production of this card product and in 2008 they appeared in Russia.

The official representative of the technology is MasterCard.

It is a European company that issues all cards under the MasterCard brand. It is planned in the near future to introduce terminal coverage for servicing contactless payments throughout Europe, including Eastern Europe.

Potential owners of terminals with the function of reading information from microchips can be:

• transport companies;
• bistro;
• school canteens;
• fast food restaurants;
• student cafes.

The ability to carry out transactions on settlements instantly, will significantly reduce the queues in these organizations. This, in turn, will allow you to serve more customers and increase your daily profit. That is why it is worth investing once in the purchase of readers for Pai pass devices.

Paypass technology is actively being introduced into society

Contactless payment devices

A card with the PayPass function does not differ much from a regular plastic card in appearance. A special chip built into the card is responsible for providing the functionality. Trade enterprise is obliged to notify buyers about the availability of terminals for servicing Pei Pass devices. This is done by placing a special sticker next to the checkout counters for customers.

In addition to cards, contactless payment technology is applicable to key fobs, mobile phones, bracelets, watches.

NFC technologies

The chip in the fast payment device is based on the development of technology for the exchange of information at a short distance. This communication takes place at high frequencies and is called near field communication (NFC).

This explains how the calculation system works when a high-frequency signal is applied to the Paypass device.

In addition to the chip, special stickers are also produced that have the same functions. It is convenient to stick it on the object that is most convenient for the client to use.

In the near future, progressive customers will be able to make payments using their mobile phones... The proper level of security is ensured thanks to the EMV system - Europay, MasterCard, Visa, as well as the MDES - MasterCard Digital Enablement Service. Let's consider them in more detail:

• APPLE PAY- already successfully functioning, the owners of mobile phones of this brand have the opportunity to make payments with the cashier by bringing the device to the terminal. At the same time, you need to touch the “Touch ID” scanner;
• SAMSUNG PAY- not yet available for all models, innovation is built in mainly in new models.
• ANDROID PAY- is under development.

NFC technology is also used for large-scale public events. For identification of event participants, they are provided with bracelets with embedded chips. Passing through the turnstiles, the participant passes the registration quickly and conveniently.

A bank card with the Paypass system is issued in a standard way

Registration of a banking product with the PayPass function

Many clients are puzzled by the question - how to activate paypass. You do not need to make special efforts for this. Just contact a service technician individuals in a banking institution. So far, not all banks are ready to provide such a service as a card with a contactless information reading function.

Before going to the bank for registration Pei cards It will not be superfluous to find out on what conditions it is provided this option... This will avoid many misunderstandings in further maintenance.

A package of documents will be required as for a regular bank card:

• customer application form;
• passport of a citizen of the Russian Federation;
• special digital code issued by the tax office.

If this is the first visit to financial institution, then you will need to provide the originals of all necessary documents. However, if the client is already served at the bank, then additional documents not required.

So far, not all banks are able to offer such a service to their clients. Below in the table, we will consider the main tariffs for the service:

Basically, a separate payment for the PayPass functionality is not charged, in the cost annual service the release of a special chip is already included. You can order a card even without leaving your home by filling out an application on the website financial enterprise... In large cities, many banks can provide a mobile banker for home service. It will take about two working weeks to produce a personalized card.

Payment by a card with a chip is considered safer than a magnetic stripe

Safety in use

Many service owners are interested in how to use the functionality safely, since fraudulent transactions are not uncommon these days.

In order to protect clients from downloading Money a limit without a pin code is set from a contactless card - no more than 100 rubles per operation.

Therefore, when detecting a loss or theft of the card, it is important to immediately block the account. Most customers, after making a payment with the card, instantly receive an SMS about the deduction of resources from the card. Thanks to this, other people's spending on the card can be noticed quickly. It is strictly forbidden to transfer the card itself to third parties.

The safety of the operations themselves today is at the proper level:

1. The data used in the calculations is minimal, so hackers cannot get the desired information for fraud.
2. Duration financial transaction is also reduced to a minimum and does not allow unauthorized persons to intercept the required statements.
3. Immediately after servicing the client, the terminal stops its work without saving the data.
4. Each transaction is encrypted and cannot be used multiple times in a row.

It should be remembered that any chipped items should not be stored near TVs, computers and any other equipment that emits frequency vibrations. So the device quickly demagnetizes, ceasing to function. Card re-issue in most cases will be paid, since its validity period has not yet expired.

How to unsubscribe from the service

There are situations when the client decides to stop using the PayPass service. In this case, there is a need for the correct procedure for disabling the functionality. A specialist of a banking institution will correctly tell you how to disable the service.

When it is not possible to visit the office of the company in person, you can turn off the service through your Personal Area... Also, some banks provide customer service by phone. To do this, you need to call hotline bank, following the further instructions of the specialist, confirm your intention.

Paypass has more pros than cons

Advantages and disadvantages of the service

Like any progressive product, the PayPass option has both positive and negative qualities. Each client individually decides for himself about the benefits of such a service. Let's consider the main advantages:

1. Lightning speed of making settlements with buyers of goods and services in trade enterprises.
2. No need to contact the cashier to make a payment; This option significantly reduces the payment procedure itself, because sometimes cashiers delay the terminal payment due to their incompetence.
3. There is no need to enter the secret code on the terminal.
4. Attractive appearance cards due to less mechanical exposure.
5. Recently, PayPass is often used by parents to control their child's spending at school. In this case, the contactless card is issued as a supplement to the parent's main account. Management takes place only from the main account, and also for each spend, the account owner receives an SMS report.

Among the disadvantages a global problem there remains a limited number of businesses that use terminals to receive contactless payment devices for purchases. The equipment is expensive, so not every owner can afford to install this innovation.

V modern society paying by card is considered a fairly routine procedure. However, contactless payments have not yet acquired the status of everyday ones. Public confidence has not yet grown enough to massively use the Paypass service for daily payments in trade organizations.

Progress does not stand still, so the popularity of the service is slowly but surely gaining its circle of admirers. Citizens who keep up with the times, paying for groceries in supermarkets, do not want to mess around at the checkout for a long time. Understanding the calculation process in the pay-pass system, which is not only convenient, but also fast, users save their time significantly.

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In order to avoid further mistakes in using the new service from Google, the user first needs to figure out how to enable Android Pay... This is exactly what we will help you with today.

1. Android Pay is a payment service based on contactless data transfer (NFC). It is this technology that will help in the future to interact between your and the payment terminal, which will accept payment. Therefore, the main point in the instructions "How to connect Android Pay" will be to check for the presence of an NFC module on the device, as well as to configure it (if, of course, there is one). This can be done in the smartphone settings, in the "wireless networks" sub-item.

1. The next step is to work with the Android Pei application. Then open it and follow the installation instructions. You may need to enter your fingerprint if your phone is equipped with an appropriate scanner, as well as an additional PIN or password.

After the service has verified its data, it will be possible to go shopping, taking only the phone with you.

How to disable Android Pei

This can be done in two ways:

1. Disable contactless payment right in the settings of the payment application.
2. Or directly disable the operation of the NFC module that provides it.

Choosing the second method, keep in mind that disabling the module responsible for contactless data transfer may lead to the failure of other applications.

Cards with contactless payment technology differ from ordinary cards in that they can be used to pay for goods at the checkout instantly, with one touch. One has only to bring the card to a special reader - the purchase has already been paid for! Fantastic? Not at all.

It's just that a chip and an antenna are built into such cards, thanks to which information about the payment is transmitted to the terminal. Such a novelty will undoubtedly delight those for whom time is money. After all, now you do not have to give the card to the cashier, and if the cost of the product or service is less than 1000 rubles, you do not need to sign the check and enter the PIN code.

There are contactless cards with payWave and PayPass technologies.

Visa payWave and MasterCard PayPass: what's the difference?

Cards with payWave technology are cards of the Visa payment system, and cards with PayPass technology are cards of the MasterCard payment system. This, in fact, is where the differences end, since the methods of using them are almost the same.

Both payment and contactless credit cards are issued.

How to use contactless cards?

You can make contactless payments in places where there are Visa payWave or MasterCard PayPass logos. The purchase scheme is as follows:

• First of all, check the entered payment amount;
• Bring the proximity card to the reader for a second;
• The fact of payment will be confirmed by a sound signal and an inscription on the display, after which the terminal is turned off (this excludes the debiting of a double amount).

If the payment is more than 1000 rubles, then you additionally need to enter a PIN-code or receive a check for signature from the cashier. But 1000 rubles is the limit for Russia. If you pay with a contactless card outside the Russian Federation, then the amount of the restriction must be checked with the cashier. In some countries, exceeding a certain limit, it will be possible to pay for the purchase only by contact. But this should not be scary, because both Visa payWave and MasterCard PayPass, in addition to a built-in antenna, have a chip and a magnetic stripe.

Contactless cards: pros and cons

Advantages:

- The record speed of the payment operation.

- No need to hand over your bank card to the cashier.

- No need to enter a PIN code (up to 1000 rubles).

- Contactless cards are less likely to be exposed to mechanical stress, and, accordingly, wear out less.

- It is especially convenient to pay with these cards where speed is important, and the amounts are not very large: at gas stations, in cafes, in public transport.

- Can be used in conventional ATMs or terminals.

- Accepted in over 30 countries.

Disadvantages:

The main obstacle to full use Visa cards payWave and MasterCard PayPass in Russia is the small number of outlets ready to serve them. Since contactless equipment is quite expensive, there is no rush to invest in it yet.

Many customers are frightened off by the uncertainty in terms of security. Fraudsters, like no other, always keep up with the times. However, the payment systems themselves claim that contactless payments are reliably protected.

Where to get contactless plastic cards in Russia?

While contactless transactions are already gaining momentum abroad, there are still few banks in Russia that issue innovative cards.