How to set up your phone for card payments. How to set up NFC for payment with a Sberbank card. How to find out if your phone supports contactless payment
Brief instructions for the payment system from Google.
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May 23, 2017 from 9:00 Moscow time in Russia payment system Android Pay... It has existed since September 2015, Russia has become the 11th region in which the system has been launched. Here it is available to clients of more than 10 banks that use Visa cards and Mastercard.
What is Android Pay for?
Android Pay is a contactless payment system that allows you to link a regular bank card to an application, and then use the service on your smartphone or smart watch to pay for goods and services. In addition, you can use it to pay in applications on mobile devices (for example, Uber).
The technology allows you not to carry all your bank cards with you, replacing them with one application on your smartphone. Android Pay does not charge user fees - the amount specified in the check is debited from the buyer's account.
What cards can be connected to Android Pay
At the start in Russian Android Pay works with more than ten banks. This list includes:
- "Alfa Bank";
- Ak Bars Bank;
- B&N Bank (at the time of launch only MasterCard);
- "VTB 24";
- MTS Bank;
- Otkritie (including Rocketbank and Tochka);
- Promsvyazbank (at the time of launch only MasterCard);
- Raiffeisenbank;
- Rosselkhozbank;
- "Russian Standard" (at the time of launch, only MasterCard);
- Sberbank;
- « Tinkoff Bank»;
- Yandex.Money (MasterCard only).
This list will be expanded in the future.
What devices is Android Pay available on?
Android Pay can be connected to devices with an NFC chip that run Android KitKat (4.4) and newer - Lollipop (5.0, 5.1), Marshmallow (6.0), and Nougat (7.0, 7.1).
An important condition is that the official firmware must be installed on the device, and root-rights must not be obtained and the bootloader must not be unlocked. Usually, these actions are performed when changing the firmware.
How to connect a card to Android Pay
To use Android Pay, you need to download the app of the same name from the Google Play Store. Some Russian users had access to it back in early May 2017.
When you start the application for the first time, Android Pay will offer to connect the card - for this you need to either point the camera at it so that the service reads the number and expiration date, or enter the information manually. You will also need a CVV code with back side cards and user address. When the card is connected, the bank will send a verification code to confirm the operation.
If the user has already connected cards to his Google account (for example, to pay in the app store), then Android Pay will offer to use one of them - to link to the application, he will only need to enter the CVV code.
Where and how to pay with Android Pay
Payment via Android Pay is available almost everywhere where there are terminals that support contactless payments (including through cards with PayPass technologies and PayWave). We are talking about terminals, which are indicated by similar symbols:
In Russia, there are such terminals in almost every retail chain - Azbuka Vkusa, Pyaterochka, Perekrestok, Karusel, Magnit, Okey, Eldorado, H&M, Starbucks, KFC, Burger King, Teremok, Doublebee, Rosneft, Bashneft, etc. By the end of 2017, Sberbank, which serves 1.1 million terminals, promises to add the possibility of contactless payment to all its devices.
To pay for a product and service, you need to "wake up" the device with the Android Pay application and bring it to the terminal for a few seconds. If the operation is successful, a message about this and an image of the card in use will appear on the screen.
In some cases, the cashier may ask you to enter a PIN or sign a receipt. It depends on the settings of the bank that issued the card and the terminal. As a rule, in Russia, when making contactless payments, you need to enter a PIN code for a transaction amounting to more than 1000 rubles.
Android Pay allows you to carry out three transactions in a row without unlocking the phone for up to 1,000 rubles each; on the fourth, the user will need to unlock the phone using a pattern or fingerprint. The "counter" of transactions is reset if the user unlocked the phone between them.
If the user has connected several cards, then one of them will need to be selected as a standard one, which will be used by default. To use another card, before paying, you need to open the application and select desired card- if necessary, it can be assigned as a standard for the future.
How to pay with Android Pay in apps and websites
You can also use Android Pay to pay for purchases on select mobile apps and websites through the mobile version of Google Chrome. In such cases, the "Pay with Android Pay" button will appear on the payment page.
In some services (for example, Uber), you can use Android Pay as one of the permanent means of payment. At the start of the system in Russia, the service will be available in Lamoda, OneTwoTrip, Rambler / Kassa and Afisha, and later it will appear in Delivery Club, Kinohod, Ozon, Yandex.Taxi and other applications.
Detailed instructions for setting up NFC on your phone for contactless payments. NFC activation, Google Pay setup and binding bank card to your smartphone.
Support for NFC technology is one of the most important characteristics of a modern smartphone. Unfortunately, this module is mainly used in smartphones of the middle and flagship segments, and in the budget category it is found as an exception. Detailed list of smartphones with NFC (Near Field Communication).
The technology has, but the main one is contactless payments. It works simply: the bank card is tied to the phone, which can be used to pay at the cash register. Briefly, but succinctly, we will tell you how contactless payments work and how to set up NFC on Android smartphones.
Is there NFC on the phone?
The first step is to make sure that it is on your smartphone. To do this, you either need to study the official specifications gadget, or go to Settings - More - NFC. The technology must be turned on. You don't have to worry about energy consumption and fast battery discharge - this module is practically not demanding on the battery charge.
Setting up Google Pay
The next step is to set up the payment application. In the case of most phones, this is the application that used to be called. You can download it on Google Play.
The application has a simple interface because it performs one main function- binding of bank cards. Whichever card you link, the one you will pay using your smartphone.
To bind the card, you need to enter all the data - number, expiration date, owner's name (in Latin) and CSV-code on the back. To confirm the binding, a message with a code will be sent to your phone number. At this stage, screenshots cannot be taken on a smartphone.
You can link several bank cards to one phone, as well as credit, gift and virtual card(for example, Yandex.Money).
It is possible wherever contactless payment is accepted - this is almost everyone payment terminal for bank cards. To pay, you need to take the smartphone out of sleep mode, unlock it and bring it to the terminal. Within 1-2 seconds, a check mark will appear on the screen - this means that the payment was successful.
NFC security
In terms of security in Near Field Communication technology, you don't have to worry:
- The module receives a signal and works only at close range (up to 10 cm).
- Contactless transactions over 1000 rubles usually require password confirmation.
- Credit cards and payments are monitored by Google, which pays a lot of attention to security.
If initially a mobile phone was intended only for making calls, now its functionality has expanded significantly. It became possible to pay for goods and services with a phone instead of a card. Almost all modern smartphones have this function. All that remains is to download the applications and make the minimum settings.
Can I pay for purchases with my phone?
Modern technology allows you to make purchases in stores using your phone. These operations are called contactless payments and, according to experts, in the future they will be able to completely replace plastic cards. Apple, Google and Samsung have already developed their services. Their users can use a smartphone to pay for goods in stores, as well as for taxi services, cafes and restaurants, fitness centers.
The advantages of contactless payments are obvious:
- the ability to pay in Russia and abroad, where there are terminals that support this technology;
- instant transactions;
- high level of security;
- you do not need to carry either bank or bonus cards with you - all payment details, discounts, bonuses are saved in the application;
- no transaction fees.
What do you need to pay by phone
To pay with a mobile phone, you need a modern smartphone with a special mobile app, and debit or credit card supporting contactless payment technology. This is Visa PayWave and MasterCard PayPass, which are now issued by all banks.
Permanent internet access is often required as well. Some gadgets can work as full-fledged means of payment and without it, but there are still few of them.
Contactless payment from a phone is possible if the payment terminal also supports this technology. This is usually indicated by a special sticker in the form of radio waves or the Android Pay logo. You can also check with the cashier for information.
What is the name of the phone payment function
You don't need to connect NFC. This is a chip that is originally built into the smartphone. You only need to install an application that will allow you to link the card and store its details for payment from the phone. The gadget must be brought to the payment terminal exactly where the NFC is located. For convenience, the location of the chip is marked with a special sticker on the case. It is usually located at the back under the cover.
NFC in the phone: how to use for payment
Setting up and using NFC for payment is easy. Detailed instructions:
- install the application (it's free);
- register in the application, link one or several bank cards, indicating the payment code;
- top up the card balance, if necessary;
- directly for payment - launch the application, enter the code, select the desired card and place the smartphone close to the payment terminal.
Upon successful completion of the operation, the money will be debited from the account, after which a receipt will be printed, as with a regular payment.
How to set up contactless payment on your phone
To pay for purchases via a phone without a card, you must first activate the short-range radio communication. To do this, just go to the phone settings and enable NFC in the "Wireless networks" section (if it is not there, then the gadget does not support contactless payment).
Then you should select the mobile application. You can download any from Google Play or App Store or use what the manufacturer offers by default - it is located in the "Contactless payment" menu. It remains to load your bank cards using Sberbank Online or Wallet. When they appear in the list, you can immediately start paying using your smartphone.
How contactless payment works with your phone
You can use Bluetooth or the Internet to exchange data between the two devices. Thanks to NFC, it is enough to simply attach them to each other - and a connection will be established between them. If a mobile phone supports this technology, a card is tied to it using a special application, and then the gadget is used to pay in stores and restaurants instead of the traditional "plastic". When you touch the smartphone to the payment terminal, wireless data exchange occurs between the devices, and the money is transferred instantly. No commission is charged for such operations.
Important! During the operation, a virtual account is used, card data is not shown. Therefore, a high level of confidentiality is achieved. The phone must be tightly applied to the terminal, since the range of the chip is small, and this also ensures the safety of payments.
Which phones support contactless payment
As a rule, contactless payments are implemented in all modern smartphones. It's easy to check if a gadget supports this technology. There must be an NFC symbol on the case or battery, and the presence of this chip can be specified in the settings in the "Wireless networks" tab.
To use all the payment options with one touch, you need to have a Secure Element with full access installed along with the NFC chip in your mobile phone. Only certain models of Phillips, Sony and HTC have it - the required application is already installed in them or will be installed when the operating system is updated. With other smartphones, you can pay for purchases with one touch with constant Internet access. All the benefits of contactless payments remain. The only thing is that you will not be able to pay for travel on public transport with your phone if only the NFC chip is installed in it, without the Secure Element.
Application to pay by phone
To pay with a mobile phone in one touch, you need to install one of the applications. There is a large selection of them:
- Yandex money. After installation, you need to go to "Contactless payments", where a virtual MasterCard will immediately appear. The phone will receive a security code that will be needed to write off more than 1,000 rubles. or cash withdrawals.
- Visa QIWI Wallet. You need to bind the wallet to the phone by entering the password from the SMS. For purchases less than 1,000 rubles. it is enough to unlock the smartphone screen, for larger purchases - enter the PIN-code.
- Wallet. This is the official application of Sberbank, which is available for download on Google Play. To work correctly, you need to have an Android OS version of at least 4.4.
- Samsung Pay... Installed on Samsung phones and allows you to make not only contactless payments, but also pay at all terminals that accept cards with a magnetic stripe.
- Android Pay. The application is designed for phones with Android OS. Allows you to shop online and pay with one touch at regular stores and restaurants. Available for download on Google Play.
- Apple Pay... The service is integrated into Wallet and is designed for iPhone owners. It can be used to pay on the Internet and through terminals that support contactless payments.
After installing the application, it remains to bind the card - and in the future you can pay only with a smartphone, without carrying a credit card with you.
How to pay using Android Pay
Paying with an Android phone instead of a Sberbank card is a convenient and safe way to make purchases. Should download Android app Pay on Google Play and install it on your smartphone. Then register and add your bank card. The whole procedure takes a few minutes.
Using Android Pay for contactless payments is very simple. Standing at the checkout, you should perform several elementary actions:
- Unlock your smartphone. You don't need to open the app.
- Hold the phone in your hand and turn it so that the back cover is parallel to the display of the terminal. You need to attach the gadget closely, almost to the touch.
- When you see a payment request, select "Credit" (even if you are using a debit card).
- Enter PIN or sign if required.
This is how the payment is made from the default card. At the same time, you can add several credit cards from different banks to the application. To set up payment from another card, you need to do the following:
- Unlock your phone.
- Log in to Android Pay, select the required card.
- Click on the button "Make the main".
- Pay by touching your smartphone to the terminal.
To make a payment, it is imperative to wake up the phone from sleep mode. The operation is fast, but you cannot immediately remove the gadget - you should wait a few seconds until a green flag appears. He says that the payment has been made.
In apps, you can pay by touching your finger to confirm the payment. If there is such an option, it is marked with the inscription "Pay with Android Pay" or a picture in the form of a green robot.
To pay with your phone, you just need to have a modern smartphone with an NFC chip, install a special application on it and link your bank card. So far, one-touch payments are not available everywhere, but many shops, restaurants, fitness centers are gradually switching to this technology. It is convenient for the buyer - no need to carry credit cards with them and keep their PIN-codes in memory. There is no need to present bonus cards, because the program saves data on all discounts and bonuses in the phone. To pay, it is enough to unlock the gadget and bring it to the terminal, and the money will be debited in a matter of seconds.
If you want to use a contactless method of paying for goods and services from your phone, then you need to add the card to the application. Cooperation takes place with almost all bank cards. The exceptions were Maestro and Visa Electron. Credit cards from Sberbank (Visa and Mastercard) working with Android Pay:
- Classic visa;
- Gold Visa and Mastercard;
- Classic "Give life" visa;
- Gold Aeroflot;
- Classic Aeroflot;
- Momentum
- Signature Mastercard;
- Standard;
- Gold Visa "Give Life";
- Youth card Standard;
- Credit Momentum.
To use contactless payment, you need to add the card to Google Wallet, after which it will be linked and activated.
Before adding a card, you need to check if the NFC module is working. This chip allows you to instantly communicate with special equipment (terminals) for making payments without additional contacts.
Algorithm of actions:
- Download and install Android Pay;
- Run the application;
- Log in with account Google;
- Select the "add a debit or credit card" section.
- The app will prompt you to use your phone camera to add the card data to the app. You will need to confirm your actions. If the camera does not work, then you can enter the data in manual mode;
- After adding a bank card to Android Pay, a code will be sent to the phone via SMS;
- In order to confirm the reality of the account, a withdrawal of funds in the amount of several rubles can be made (the money will be returned to the card later);
"Android Drink" - free program which does not charge any money for setting up maps.
For now, the system provides an opportunity to link MasterCard and Visa bank cards. Later, they plan to adapt the application for payment system"PEACE".
How to set up in Sberbank Online
Sberbank app. Online from Sberbank can be downloaded through the Google Play app store. To set up Android Pay, through Sberbank Online, you need to log in to the system by entering your password and login. Further, a card is selected in the menu and detailed information about it opens. You need to find the item "Add to Android Pay". Hints will guide you through the process step by step. After confirmation from the system, you can safely go to the store for purchases.
How to pay
Payment in stores is accepted through special equipment marked with a bright Android icon. For more information on how to pay in stores using Android Pay, see our detailed instructions.
For numerous Russian clients of this financial institution payment by plastic cards for numerous services and goods has become commonplace. Many users appreciate the convenience and simplicity of these processes. Despite this, the organization is constantly evolving and not so long ago a special modern technology, where for transfers you can use not a bank card, but a smartphone. If you know how to pay with a phone instead of a Sberbank card, you can significantly increase the speed of the operation and its security.
To perform the operation, you will need a special telephone set with NFC technology. There are no problems with this, since this option is already present in modern gadgets, no additional settings will be required. The transfer of funds for the provision of services and the purchase of goods is carried out by users who have at their disposal:
- Iphone with Apple Pay payment system.
- Samsung phone devices with smart Samsung Pay.
- Other smartphones with Android OS category, where you will need to install a modern program similar to Samsung Pay.
The technology for solving the question of how to pay with a phone instead of a Sberbank card, based on the use of phones, is quite convenient. For this reason, the organization was among the first to support her. A client of this financial institution can connect such an option without paying anything at all and use a smartphone as payment card bank. As soon as the plastic data is added to a special application, the owner will be able to make transfers by simply confirming the set PIN.
How to set up nfc to pay with a Sberbank card?
To use a smartphone as an enumeration, you will need to set up a special NFC profile. You will need to find the appropriate option and connect it on your mobile. After that, you need to do the following:
- Turn on the corresponding switch;
- Perform authorization;
- Link a credit card.
On the this moment many modern trade enterprises equipped with special terminals for non-contact methods. A feature of such operations is that each time the system creates a new, unique code, and additional charges are not charged. You should be prepared for the fact that if the total amount significantly exceeds 1,000 rubles, the write-off process will be confirmed by a code combination from the message.
How to pay from your phone with a touch of Sberbank?
If the user for some reason cannot find a smartphone, he will not face a certain risk of being left without funds. No fraudster will be able to use the application and illegally decide how to pay with a phone instead of a Sberbank card. The reason is that after paying for this or that purchase, the terminal will be automatically turned off. The entry will be performed with the installed support for a special code and by means of a fingerprint, that is, using biometric authentication.
The only difficulty can be draining your smartphone. In this case, it will be completely impossible to use the option. You need to know that if the technology of such a plan is installed on a regular tablet or on a laptop in use, these devices can be used to conduct online transactions.
How to pay with a phone instead of an iphone Sberbank card?
This financial institution was among the very first to support the system of competent transfer of funds on the territory of the Russian Federation. The client of the organization, who has a modern smartphone at his disposal, is able to activate this option and it's completely free.
To quickly and comfortably make purchases and pay for them using a smartphone, you will need to perform the following sequence of actions:
- You need to find a special option on your phone and activate it. On the phone, it is in the corresponding category.
- The corresponding application is installed.
- Debit or credit product bank.
- Making settings for the subsequent debiting of money from the specified in the settings.
In the process of linking several financial products at once, only one will become the main one. It can be changed based on your desire and at absolutely any time.
How to pay with a phone instead of an Android Sberbank card?
Before carrying out such a transfer form, you will need to check that the phone works on the basis of a system of at least Android 4.4 category and works effectively with the NFC option. After that, the necessary application for paying by phone is downloaded instead of the Sberbank card, which is strictly certified at the official level in Google and the card is connected.
This process is carried out manually, you just need to point the camera at the plastic or enter information in the Add to Android Pay section. In one telephone device, you can connect up to 12 accounts of the Visa and Mastercard categories, and they can be credit or debit.
To make a payment, you just need to click in personal phone to the corresponding icon. As soon as activation occurs, confirmation is carried out through the biometric system. For this purpose, a special innovative authentication is used, and if this is not possible, it will be possible to use a PIN code.
If a smartphone is lost or stolen, it can be instantly blocked, and remotely, without the need to personally visit the bank to solve this issue... You can also change the password or turn it off with the support of the Android Device Manager option.
NFC bracelet Sberbank - for contactless payment
If there is still some distrust in new innovative systems, if the user is afraid for their funds, you can use a bracelet with a Sberbank nfc chip to make transfers. Among the main advantages of such an operation are the following factors:
- It is not necessary to provide information regarding the plastic itself. The operation is carried out using an individual digital password, the device reads it during the activation process;
- If the device is lost, no one will be able to use such an application. The reason is that such modern gadgets are equipped with a special protective Touch ID.
The use of devices is as safe as possible, since it involves checking a fingerprint or entering a unique code. Another advantageous factor is that the withdrawal of funds for one operation alone is not provided, after the payment is made, the terminal will be automatically turned off.
NFC ring Visa Sberbank
Not so long ago, the Visa system presented a special nfc ring from Sberbank for conducting contactless cash payment transactions. To make the desired payment, you just need to place the ring above the ATM.
Payment for goods or services can be made using a special chip built into the ring, which is entrusted with the security function. If the device is lost or stolen, the ring can be simply locked using a regular mobile phone.
The device does not contain metal parts, which allows not to disrupt the functioning of the built-in antennas during use. Despite the fact that the ring is made of high-quality ceramics, options such as falling on the floor and immersion under water are not dangerous for it. It is still impossible to find the device in the store, while only a special test sample is presented to attention. It is planned to release the device to the general public after it passes all the necessary tests.
Sberbank ATM NFC
At the moment, special ATMs with nfc Sberbank for contactless transfers are entering into circulation. They accept plastics of the Visa and Mastercard categories from Sberbank. According to the established plans and forecasts, smartphones, to which plastic of the Mastercard category is tied, will start accepting cards.
The heads of the financial institution added that the bank already has about 10,000 self-service devices, which are equipped with a modern NFC reader. Such terminals will accept products of both categories Visa and Mastercard. Very soon, ATMs will start working with all types and categories of Mobile Pays without exception, that is, you just need to enable Samsung Pay, as well as Apple Pay and Android Pa.
Summing up
One of the main advantages of the described innovative methodology is the optimal speed of translation. It is for this reason that the payment system of such a plan has become quite widespread. Competently built contactless payment is very comfortable, since there is no need to constantly wear a large number of kart. The only one important point The thing to look out for is the battery level. If she sits down, difficulties will automatically arise, nothing will be bought.