How to pay for purchases using an iPhone. Instructions for contactless payment with an iPhone instead of a bank card. Payment card information could be compromised
How to use Apple Pay? For some time now, the electronic payment system has become available in Russia as well, so it's time to figure out how to set up Apple Pay on iPhone, iPad and Apple Watch in order to pay for purchases. Earlier on our resource, we published a detailed one that work with, as well as instructions for making an Apple Pay payment. Now let's go directly to the process of processing payments. Go!
- Add your card to the Wallet app on iPhone, iPad, and iPod Touch. Described in detail.
- Decide how you want to use Apple Pay - contactless pay in stores, in apps, or on websites in Safari.
Pay with Apple Pay in stores
How to pay Apple Pay using iPhone: instructions
Step 1. If you want to pay with an already configured card on your smartphone by default, just bring your smartphone to the device contactless payment(terminal) at a distance of about 2.5 cm.
Step 2: Place your finger on the Touch ID fingerprint reader and hold. The screen should display the phrase "Done" and a symbolic mark.
Important!
Sometimes in the terminal you need to choose between two points - Receipt or Expense. In our case, you need to select the Parish. If you need to enter the last four digits of the number payment card, on your smartphone, open the Wallet application, click on "i" to see the number account devices.
If you have multiple cards added to Wallet and you want to pay with a different card than the default one, you just need to switch cards. To do this, you first need to hold the iPhone near the terminal as in step 1, but do not click on Touch ID. When you see the default map on the screen, click on it and select another. Only then place your finger on Touch ID to confirm the payment.
How to Pay Apple Pay with Apple Watch: A Guide
Step 1. If you want to pay with the already configured default card on your watch, press the side button twice.
Step 2: At the same time, bring and hold your watch near the contactless payment device (terminal) at a distance of about 2.5 cm. In case of successful payment, you will feel a slight ripple.
Important!
Sometimes in the terminal you need to choose between two points - Receipt or Expense. In our case, you need to select the Parish. If you need to enter the last four digits of your payment card number, open the Watch app on your smartphone, select “Wallet and Apple Pay,” tap the card to see the device account number.
If you use multiple cards and want to pay with a different card than the default one, you just need to switch between cards. To do this, on your smart watch, double-click on the side button, when you see the default card on the screen, swipe left or right to select another. After that, hold your Apple Watch near the terminal until payment is confirmed.
How to use Apple Pay in apps (apps)
Apple Pay in apps and on websites in Safari: detailed instructions
Pay for Apple Pay on Mac on sites in Safari
Step 1: Find the Buy with Apple Pay or Apple Pay button and click on it.
Step 2: Carefully read and check the billing, shipping, etc. information. Please note that you can select not only the default card, but also any other that is tied to the device connected via Bluetooth (iPhone or watch).
Step 3: After entering all the data, confirm the purchase on your mobile device (on the iPhone using the Touch ID scanner, on the Apple Watch - double-click the side button). If the payment is successful, you will see the "Finish" button.
Payment system Apple Pay. The first and so far the only bank supporting Apple Pay was Sberbank. Russia has become the 10th country in which the system is available.
The editors of the site tested the system and figured out how Apple Pay works, how to bind a card to it, in which establishments and how you can pay, and also provides a list Russian applications supporting payment service Apple.
What is Apple Pay for
Payment system Apple Pay, according to the plan of engineers, should replace plastic bank cards. It allows you to use iPhone smartphones and Apple Watch to pay for purchases in stores, cafes and other establishments.
When making payments, money is withdrawn immediately from the linked bank card... The company does not charge a commission for using Apple Pay.
According to the statistics of the service, about a million new users join Apple Pay every week. Moreover, in the United States, more than 90% of all contactless payments are made using Apple Pay.
Which bank card do you need to pay with Apple Pay?
The first Russian bank partner of Apple Pay was Sberbank together with Mastercard. Therefore, now only owners of credit and debit cards Mastercard issued by Sberbank.
Apple's VP of Apple Pay, Jennifer Bailey, has promised to expand the list of banks that support Apple Pay in the near future. Earlier, Vedomosti said that Raiffeisenbank, Tinkoff Bank, B&N Bank, Otkritie, VTB 24 and Yandex.Money could also become partners in the future.
According to the source, the site on financial market The list of new Apple partners will be announced in November 2016. The founder of “ Tinkoff Bank»Oleg Tinkov.
Where can i pay with Apple Pay?
You can use Apple Pay to pay in stores with iPhone SE, iPhone 6 and newer, and Apple Watch.
Apple's website notes that the payment system operates "wherever contactless payments are accepted." We are talking about terminals in shops, cafes and restaurants, which show one of the contactless payment icons:
Among the Russian retailers where you can definitely find such terminals are Azbuka Vkusa, Ashan, Atak, M.Video, Eldorado, Magnit, Mediamarkt, TSUM, BP, re: Store. The list, according to Apple's website, will be constantly updated. Representatives of the Dixie and Victoria chains and Starbucks coffee shops also announced Apple Pay support.
The iOS app OneTwoTrip can be used to pay for plane tickets via Apple Pay, train tickets and hotel reservations will appear later.
Ticketland users can buy tickets to a theater, concert, show or circus using Apple Pay.
Discount coupons can be purchased through the Biglion app.
Apple Pay support is also implemented in the Gett application - users can not link a card in the service, but simply add payment via payment system Apple.
How to link a card to Apple Pay
The linking of a bank card to Apple Pay takes place in the Wallet application. The application can automatically link the card that is used for purchases in iTunes. Or you can scan the card with the camera and add it to Wallet. If your bank supports Apple Pay, the card will be linked automatically.
Sberbank cardholders can also link the card through the Sberbank Online application. To do this, select the "Connect to Apple Pay" item in the list of cards - the card will be automatically linked to Wallet.
How to pay with Apple Pay
In order to make a payment at the checkout using the iPhone, on the locked phone, press the Home button twice - the smartphone's NFC chip is activated, and the image of the bank card and its last four digits will be displayed on the screen.
The bank may restrict maximum amount when paying with Apple Pay and additionally request a PIN.
In order to pay using Apple Watch, you need to double-click on the side button of the watch and bring it closer to the terminal.
To make an in-app purchase or online purchase with Apple Pay, you need to place your finger over the Touch ID to confirm the payment.
How secure are Apple Pay payments?
Apple claims that card numbers are not stored on devices or on the company's servers. When making a payment, Apple does not transfer the card number to the store, but only sends a special identification code, which is encrypted and stored locally on the iPhone.
The company also claims that it does not store user payment data and does not create a user's payment profile - for example, for targeting advertisements.
Apple Pay uses the iPhone's built-in Touch ID fingerprint sensor to confirm payments.
If you lose your iPhone, iPad or Apple Watch, you can pause Apple Pay using the Find iPhone feature.
What similar solutions are there for Android in Russia
September 29, its mobile payment system for Russian market Samsung. Samsung Pay Supported in 2016 Samsung Galaxy S7 edge, Galaxy S6 edge +, Galaxy Note5, Galaxy A5 and A7 smartphones.
Now you can link to the system of the Korean manufacturer MasterCard cards Alfa-Bank, VTB 24, MTS, Raiffeisenbank, Russian Standard and Yandex.Money.
However, Vedomosti's interlocutors argue that the system is not popular with users - on the first day, several dozen transactions were made by its customers using Samsung Pay.
Which shortly before the official release was mentioned at the next Apple presentation director general companies. What is Apple Pay?
Apple Pay is a contactless payment solution that is more secure and convenient way payment for goods and services. Principle Apple work Pay consists in reading payment information from Apple mobile devices using NFC (Near Field Communication) technology with further authentication of the owner through.
How to set up Apple Pay
Before using the service, you need to launch the stock Passbook application and add active card by scanning it with a camera. You can attach up to 8 different cards to Apple Pay, and payment takes place in a matter of seconds. The user does not even need to launch any application to activate the system. All you need to do is bring your iPhone to a store-based proximity reader and place your finger on the Home button to recognize your Touch ID fingerprint. A vibration or sound signal will let you know that the payment transaction was successful.
Also, using the contactless payment system, you can pay for purchases in applications.
It should be noted right away that Apple Pay will only be supported on new Apple devices, such as the iPhone 6 and iPhone 6 Plus, iPhone 7, iPhone 7 Plus, iPad mini 3, iPad Air 2 or Apple Watch and later.
Despite the fact that since its launch, Apple Pay has been used in more than 200,000 retail outlets, including McDonald's, Walgreen pharmacy chain and such large stores as Target and Macy's, in the present Apple has agreements only with US banks , which makes the service unavailable for residents of Russia. Nevertheless, with a strong desire, the territorial restriction can be circumvented.
upd. Apple Pay in Russia
Apple Pay system started working in Russia. At the moment, only MasterCard from Sberbank is suitable for paying for purchases via Apple Pay, but the situation may change in the near future - the list of partner banks will be replenished.Users of the following devices will be able to pay for their offline purchases in Russia via Apple Pay:
- iPhone 6 and 6 Plus
- iPhone 6S and 6S Plus
- iPhone 7 and 7 Plus
- iPhone SE
- Apple Watch
How to use Apple Pay in Russia
Apple Pay was launched in Russia on October 4. The system is automatically activated on all compatible devices, so users of i-devices do not need to independently perform any service settings.
Apple Pay works with all terminals that support contactless payment methods. These are PayPass, PayWave and NFC.
In order to pay, place your finger on the Touch ID sensor and bring the iPhone to the terminal. At this time, the system will automatically process the payment.
In some cases, you may need to enter the card PIN or sign on the iPhone screen. When paying for purchases using Apple Pay, the bank does not charge any commission.
How to add cards to Apple Pay
Recall that at the moment in Russian Apple Pay works only with MasterCard from Sberbank. To attach a card, follow these steps:- Open the Wallet app on iPhone.
- Tap on "Add payment card".
- Take a photo of the card or enter its details manually.
Video instructions "how to set up Apple Pay" from Sberbank
How to use Apple Pay outside the US with a US bank card
As it became known recently, the owners of brand new mobile devices from Apple have found a way to use the service in other countries. However, in order to use Apple Pay outside of the United States, you must have a valid bank card in the United States.Although Apple claims that they have agreements with more than 500 banks, in the present, when talking about the compatibility of cards with Apple Pay, the Cupertinians announce a not so long list: American Express, Bank of America, Capital One, Chase, Citi, JP Morgan , Merrill Lynch, US Trust and Wells Fargo. In more detail, the situation with card support looks like this:
Further, to make payment for the purchase, you need to go to "Settings"> "General"> "Language"> "Region" and change it to the United States. After that, we launch the Passbook application, in which it became possible to install Apple Pay and continue with the setup.
It will be possible to pay for purchases using Apple Pay through PoS terminals that support NFC technology. However, keep in mind that using Apple Pay outside the United States will cost you an extra penny, as banks will require payment for services taking into account currency conversion. But be that as it may, it works.
Apple Pay security
The safety of using a contactless payment system is one of the important issues. According to most experts, paying for purchases using Apple Pay is safer than using conventional plastic cards. Fingerprint scanning technology excludes the possibility of using the service by unauthorized people, and the NFC module transmits all data using tokens that replace the existing number credit card to a randomly generated one.In general, the simplicity, convenience and security due to the use of biometric identification technology and tokens make Apple Pay an attractive service in the eyes of users and a serious competitor in the rapidly developing market of digital payment systems.
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Now you can pay in stores for a purchase from an iPhone instead of plastic! Apple Pay first started working in the US in 2014, when the iPhone 6 was introduced. Two years later, it started working in Russia. He took over the role of the discoverer. A month later, other popular banks in Russia took over the baton, including and. How does this technology work?
Apple Pay features
Apple Pay is a contactless payment technology that has been introduced into the gadgets of the apple company. The possibilities of such payment are that you can no longer carry with you plastic cards, but just tie all the cards to your smartphone and make purchases. To make a payment, the buyer needs to bring his mobile device - a smartphone or smart watch - to a special terminal and after a couple of seconds the operation will receive confirmation. Officially Apple start Pay in Russia was given on October 4, 2016.
Within the framework of this article, instructions are given on how to pay with an iPhone instead of a bank card, and information on setting up other apple products is provided.
Supported Devices
Contactless payments in retail outlets and on the Internet via Apple Pay are available on the following devices:
- iPhone SE;
- iPhone 6, 6 Plus and 6s;
- iPhone 7, 7 Plus;
- both generations of Apple Watch;
- Macbook Pro 2016;
- iPad latest versions.
The support of the service by smartphones of the fifth series should be noted separately. Payments with their help are possible only when additional use smart watches, since the models in this series are not equipped with NFC chips.
In addition, using Apple Pay, you can pay for purchases on the Internet using an iPad (Air 2, Pro, mini 3 and other models of the latest generations) and Mac computers synchronized with an iPhone or smart watch with the macOS Sierra operating system on board.
Supported banks
The system was launched in Russia at. At the first stages of implementation, linking to the service is available only for Sberbank customers - holders of MasterCard credit and debit cards. At the same time, a number of other Russian banks participated in the preliminary testing of the system:
Apple Smartphone
Open Wallet on your smartphone:
- Go to the "Add a payment card" section.
- If you have not linked the card to iTunes, the program will ask you to enter the card details.
- Using the program prompts, enter the number, CVV2 and expiration date of the card.
- Enter the OTP code that the app will ask for. It will come via SMS to your smartphone.
- The issuing bank will check the relevance of the entered data. If everything is ok, it will be added to the application.
Apple watch
If you're a first-generation or second-generation Apple Watch owner, you can pay with your watch:
- Click on the Watch app on your smartphone and open My Watch. Choose your gadget.
- Click Wallet & Apple Pay. To write new information, click "Add payment card". Follow the similar steps to add a card as indicated in the instructions for your smartphone.
- Click Next. The plastic issuer will start checking and if it is necessary to update the data, he will request them.
- If the account is linked to iTunes, click "Add" and enter the OTP-code that will come in SMS.
- After the information has been verified by the issuing bank, you will be able to make purchases.
Apple Tablet
In general, the process of adding to iPad should be straightforward:
- Click Settings → Wallet & Apple Pay.
- Select "Add payment card".
- If the card is linked to iTunes, click "Add" and just enter the OTP password.
- Select "Next". The bank will start checking the issuers of your card. If everything is ok, your card will be added to Apple Pay.
- If it is necessary to update the data, the issuer will ask for it.
- After completing the settings, Apple payment technology will be ready.
Apple computer
The 2016 Macbook Pro makes purchases using Apple technology. You can also bind plastic to a Mac, but you need an iPhone or Apple Watch to pay:
- Go to System Preferences → Wallet & Apple Pay.
- Select "Add Card".
- If you need to pull up a card from iTunes, click "Add" and enter the OTP code.
- If you need to add another account, select "Add new card»And enter the new information about it in the appropriate fields.
- After checking the plastic by the issuer, you can start shopping.
Usage
After connecting the service, a natural question arises -? To pay for a purchase using Apple Pay, you need to bring your smartphone to a terminal that supports NFC technology and the payment service itself. After that, a picture with a map will appear on the display of the device.
The next step is to confirm the payment using your fingerprint and Touch ID. This procedure takes a couple of seconds.
It's just as easy to use your Apple Watch when buying with Apple Pay. To make a payment, you need to double-click on the button located on the side just below the Digital Crown, determine the card with which the payment will take place, and bring the device to the payment terminal.
If you haven't figured out how to use the service yet, then watch the video:
You can shop online with iPad and Mac. Go to the desired site using the Safari browser and fill in all the contact details of the purchase:
- Click Buy with Apple Pay or Apple Pay.
- Follow the prompts on the screen (or Touch bar if it's a Macbook Pro) and place your finger on the Touch ID sensor.
- If the transaction is successful, you will see “Done” on the screen.
Shopping from iPhone locked screen
To simplify interaction with the system for smartphone owners, quick access to payment cards is provided by double-clicking the Home button. If nothing happens after such a double tap, you need to enable access to the payment system from the locked display.
Advice! To access the system from the locked screen in the settings of the Wallet application, you must activate the "Double tap Home" switch.
Commission
For using the service and making payments, the buyer is not charged additional fees. Apple receives payment only from partner banks in the amount of 0.15-0.17% of the amount of each transaction passing through the service.
Payment security
Making payments through Apple Pay provides a higher level of security than using a bank card directly.
- Firstly, the queue is due to the fact that the customer's fingerprint is used to confirm the transaction, and not the PIN code.
- Secondly, thanks to the use unique identifier card (DAN) and a dynamic security code that is specially generated for each operation.
Thus, when paying, the seller does not receive the buyer's card data, but only the DAN, which excludes the possibility of interception and further use of the information for committing fraudulent actions by third parties.
Payment system Apple Pay. The first and so far the only bank supporting Apple Pay was Sberbank. Russia has become the 10th country in which the system is available.
The editors of the site tested the system and figured out how Apple Pay works, how to bind a card to it, in which establishments and how you can pay, and also lists Russian applications that support Apple's payment service.
What is Apple Pay for
Payment system Apple Pay, according to the plan of engineers, should replace plastic bank cards. It allows you to use iPhone smartphones and Apple Watch to pay for purchases in stores, cafes and other establishments.
When making payments, money is withdrawn immediately from the linked bank card. The company does not charge a fee for using Apple Pay.
According to the statistics of the service, about a million new users join Apple Pay every week. Moreover, in the United States, more than 90% of all contactless payments are made using Apple Pay.
Which bank card do you need to pay with Apple Pay?
The first Russian bank-partner of Apple Pay was Sberbank together with Mastercard. Therefore, now only holders of Mastercard credit and debit cards issued by Sberbank can use the payment system.
Apple's VP of Apple Pay, Jennifer Bailey, has promised to expand the list of banks that support Apple Pay in the near future. Earlier, Vedomosti said that Raiffeisenbank, Tinkoff Bank, B&N Bank, Otkritie, VTB 24 and Yandex.Money could also become partners in the future.
According to a source of the website in the financial market, the list of new Apple partners will be announced in November 2016. Oleg Tinkov, the founder of Tinkoff Bank, also wrote about this in his Instagram.
Where can i pay with Apple Pay?
You can use Apple Pay to pay in stores with iPhone SE, iPhone 6 and newer, and Apple Watch.
Apple's website notes that the payment system operates "wherever contactless payments are accepted." We are talking about terminals in shops, cafes and restaurants, which show one of the contactless payment icons:
Among the Russian retailers where you can definitely find such terminals are Azbuka Vkusa, Ashan, Atak, M.Video, Eldorado, Magnit, Mediamarkt, TSUM, BP, re: Store. The list, according to Apple's website, will be constantly updated. Representatives of the Dixie and Victoria chains and Starbucks coffee shops also announced Apple Pay support.
The iOS app OneTwoTrip can be used to pay for plane tickets via Apple Pay, train tickets and hotel reservations will appear later.
Ticketland users can buy tickets to a theater, concert, show or circus using Apple Pay.
Discount coupons can be purchased through the Biglion app.
Apple Pay support is also implemented in the Gett application - users can not link a card in the service, but simply add payment through the Apple payment system.
How to link a card to Apple Pay
The linking of a bank card to Apple Pay takes place in the Wallet application. The application can automatically link the card that is used for purchases in iTunes. Or you can scan the card with the camera and add it to Wallet. If your bank supports Apple Pay, the card will be linked automatically.
Sberbank cardholders can also link the card through the Sberbank Online application. To do this, select the "Connect to Apple Pay" item in the list of cards - the card will be automatically linked to Wallet.
How to pay with Apple Pay
In order to make a payment at the checkout using the iPhone, on the locked phone, press the Home button twice - the smartphone's NFC chip is activated, and the image of the bank card and its last four digits will be displayed on the screen.
The bank may limit the maximum amount when paying with Apple Pay and additionally request a PIN code.
In order to pay using Apple Watch, you need to double-click on the side button of the watch and bring it closer to the terminal.
To make an in-app purchase or online purchase with Apple Pay, you need to place your finger over the Touch ID to confirm the payment.
How secure are Apple Pay payments?
Apple claims that card numbers are not stored on devices or on the company's servers. When making a payment, Apple does not transfer the card number to the store, but only sends a special identification code, which is encrypted and stored locally on the iPhone.
The company also claims that it does not store user payment data and does not create a user's payment profile - for example, for targeting advertisements.
Apple Pay uses the iPhone's built-in Touch ID fingerprint sensor to confirm payments.
If you lose your iPhone, iPad or Apple Watch, you can pause Apple Pay using the Find iPhone feature.
What similar solutions are there for Android in Russia
On September 29, Samsung has its own mobile payment system for the Russian market. Samsung Pay is supported on the 2016 Samsung Galaxy S7 edge, Galaxy S6 edge +, Galaxy Note5, Galaxy A5, and A7 smartphones.
Now MasterCard cards of Alfa-Bank, VTB 24, MTS, Raiffeisenbank, Russian Standard and Yandex.Money can be linked to the system of the Korean manufacturer.
However, Vedomosti's interlocutors argue that the system is not popular with users - on the first day, several dozen transactions were made by its customers using Samsung Pay.