Is it possible to pay by phone 5s. How to use Apple Pay Sberbank - which cards are supported: how to connect and configure. Which iPhones support Apple Pay

In all cities of Russia, a system has recently been launched Apple Pay. Its main feature is the absence of the need to use a bank card to make payments. Instead, you need a smartphone. Owners of devices from the "apple corporation" began to wonder if there is Apple Pay on the iPhone 5s. In this article, we will give the most detailed answer, as well as a number of useful tips.

Benefits of Apple Pay

If you have an Apple smartphone and still use bank card feel free to forget about it. We are sure that after a few weeks of using the Apple Pay system, you will certainly appreciate all the benefits of electronic contactless payments. And there are a lot of them:

1. Simplicity. All that is needed is to have a phone with an application connected to an electronic wallet. To pay for goods or services, you need to place your smartphone near the payment terminal.
2. Security. Using credit card, usually you have to enter a pin code that other people can see. And if unauthorized persons also remember the owner's card number, this can lead to a complete loss of funds. In the worst case, the attackers will issue an online loan, for which you will have to pay. Using Apple Pay saves you the hassle. Each transaction is accompanied by the use of dynamic security codes. Biometric methods are used to confirm the payment. No one will be able to see the pin code, and even more so the card number, because they are not shown on the smartphone display. You can be completely safe, always being sure that no one will steal your money.
3. Efficiency. To complete the payment, you need to spend only 2-3 seconds. After that, the cashier issues a check on the successful completion of the transaction.
4. Small range. On the one hand, not everyone will call this an advantage, because you have to attach a smartphone to the terminal. On the other hand, a limited radius of no more than 20 centimeters works in favor of the owner of the device. You can be sure that the connection will not be intercepted by unauthorized persons, and no one will know the personal information that you hide from others.
5. Ability to use other wireless technologies. So, for example, if the phone is in an inconvenient place, you can synchronize it with another device that has a contactless payment chip - for example, a smart watch.

Is it possible to use the system on iPhone 5s

The main question still remains open - does the iPhone 5s support Apple Pay? Let's take a short historical tour.

The main condition for using the service is the presence of a special chip - NFC. Only through it information about payments is transmitted, as well as general synchronization with the device. NFC modules began to be installed only on the sixth generation of iPhones, including the Plus versions. On the "fives" and older models, they are absent. The following conclusion suggests itself - it is impossible to use Apple Pay directly through a smartphone, since it will not be able to establish a connection with the payment terminal.

Alternative online payment applications available in App Store are also not supported. You can't use Apple Pay with the Safari web browser.

Many may claim that they have seen how people use their fifth iPhones to pay for subway tickets or pay in supermarkets. And they are really right, because setting up Apple Pay on the iPhone 5s is still real. Apple Pay can be installed on a smartphone, but without one clever trick, its presence will be useless. To pay for the purchases made, you will have to purchase an Apple Watch smart watch.

How it works

First you need to download the Apple Pay program itself. It is available in the official market for free. Before you start using the application, it will not be superfluous to check with your bank representatives whether it cooperates with Apple Pay. As of 2018, virtually all major financial institutions support this technology. What smart watch is suitable?

In fact, you can use any Apple Watch, regardless of generation, because each model has an NFC contactless payment module. After synchronization, you will not apply the smartphone itself to the terminal, but the watch on your wrist.

Note! For Apple Pay to work, you need to make sure your watch is always synced with your phone. Otherwise, you will not be able to make a payment.

After downloading the application, you need to follow a number of simple steps:

Having done everything correctly, a corresponding notification will appear on the clock, indicating that the operation was successful. You just have to start using contactless payment technology at points of sale and other public places where it is supported.

By connecting Apple Watch to iPhone 5S, you can get Apple Pay support

15.06.17 at 10:43

Behind last years iPhone 5S has become almost one of the best-selling iPhone models in Russia. Which is not surprising, thanks to its good performance, stylish design and fairly inexpensive price (especially for). But after the advent of Apple Pay, you probably have a question: for the iPhone 5s?

How to connect Apple Pay to iPhone 5S?

The iPhone 5S cannot work directly with Apple Pay for 2 reasons: 1. It lacks a special chip that generates a payment code on the fly, 2. The 5S does not support NFC technology required for contactless payments. However, there is one little trick that will allow you to use the iPhone 5S if you already have one: you need to purchase an Apple Watch.

First, you might want to purchase a watch from Apple already for a long time and perhaps now there will be a better moment for this, since Apple has released a more modern generation and prices for the previous ones will fall. For example, at the time of this writing, some online stores sell Apple Watch Sport 38mm with Sport Band at a price of 17,990 rubles. Which costs several times less than buying a new iPhone.

Secondly, paying for purchases via Apple Pay with Apple Watch is even more convenient than getting your iPhone out of your pocket. Yes, paying with Apple Pay is fast, secure, and more convenient than using a credit card. But if we talk about convenience and speed, then with the Apple Watch this operation will be even faster and easier.

But the question arises, which model of Apple Watch is suitable? Answer: any, even the very first 1st generation Apple Watch models support Apple Pay.

If this option still does not suit you, then the smallest iPhone model that supports Apple Pay is the iPhone SE. Which can be purchased from about 21,000 rubles, in some cases cheaper.

No matter how Apple is driven by all sorts of assumptions and analytical conclusions, it will continue to adhere to the policy of systematic introduction of new technologies into its gadgets. That year, the new iPhone actively adopted NFC wireless technology, instead of which the iPhone received another outstanding feature - the Siri virtual assistant. Has Apple forgotten about NFC? Unlikely.

Let's answer two questions that will help us decide whether Apple can equip the new iPhone with a little-spread in our countries, but no less progressive technology.

Why do I need this NFC on my iPhone? Using the built-in chip, you can make all kinds of purchases in supermarkets and restaurants, pay for metro fares, and perform all sorts of actions with electronic money. So far, this way of using NFC is being tested in some countries (including Russia), but it is still too early to talk about some kind of global implementation.

By the way, other manufacturers have already figured out how to make NFC popular. Samsung has implemented in its flagship Galaxy S III the S-Beam function, which is a hybrid of Wi-Fi Direct and NFC. One has only to touch the phones to each other, how can you transfer gigabytes of information between them. Conveniently? In the future, yes.

Why should Apple put a new chip in the iPhone 5? Rumors that Apple should equip its new phone with a wireless data transmission chip appeared long before the presentation of the iPhone 4S. Confidence was added by the published patent about the new function, but only now it became clear that the new iPhone (fifth or sixth - before the presentation, we are free to call it whatever we like) will still receive a new thing. The arguments of the technical director of the international information company SITA are more than convincing:

I think that the appearance of the application is exactly related to the introduction of NFC in the new iPhone. Apple on this moment thinks about how to make the use of this technology easier for the user, and also decides how to monetize the new feature. I don't think the company will build a chip into its next generation smartphone and tell you how to use it all. Apple will do everything gradually. First, it will teach users to new technology and then suddenly let you use credit cards to pay for anything and everything. You must be ready for a new revolution, it will definitely happen. Together with . [computerworld]

Most likely, you have seen people in supermarkets more than once who pay for purchases by simply holding their phone to a bank terminal and wondered how they succeed. In fact, everything is simple - on the smartphones of such buyers, the Apple Pay payment system is installed, which makes it possible to quickly and securely pay bills from bank cards.

If you have an Apple gadget, you can also enable this feature and pay with help from Apple Pay purchases in shops, bills in restaurants, and even travel in transport. We will tell you in detail what advantages this gives and what you need to connect.

Apple Pay is a mobile payment system developed by Apple. It makes it possible to digitize all your bank cards and enter them into the memory of the gadget that you carry with you all the time.

After that, the cards themselves can not even be taken out of the wallet - all calculations will be carried out by applying an iPhone, iPad or Apple watch to the payment terminal.

Important! The creators of the system claim that it is completely safe.

The data of plastic cards connected to Apple Pay is not stored even on the company's servers, therefore, they cannot be shared in any way.

You do not need to enter any PIN codes when paying by this method. The user is identified by a fingerprint. So the chances of flashing a pin card at a point of sale for users of the system are zero.

And in case of loss or theft of the gadget, a third-party person will not be able to use your money, because they simply cannot will be identified.

You can pay with Apple Pay:

• in any outlets where there are contactless payment terminals;
• in online stores whose owners indicate Apple Pay as a payment option.

The system successfully interacts with terminals of three contactless technologies - NFC, PayPass and PayWawe. So, you will not have any difficulties when choosing a place to shop.

Important! The use of the service is free for the client.

There are no commissions for payments, and the application for payment is in free access in the App Store.

Since the payment service was developed by Apple, it is logical that only owners of gadgets from this company can use it. However, this does not mean that you can pay with Apple Pay with any version of the iPhone. Apple Pay can only be installed on the following types of devices:

• iPhone - from version SE and above (6.7 and 8, all modifications, as well as iPhone X);
• iPad - mini 3 and 4, Pro, Air2, as well as 5th generation gadgets;
• Apple Watch - 1st generation, Series 1, Series 2 and Series 1;
• MacBook Pro - provided that the device has a fingerprint sensor.

Important! Previously, it was possible to install Apple Pay on 5th generation iPhones, provided they work in conjunction with the Apple Watch.

But at the time of writing, there is no such option on the Apple support site. More likely, this opportunity no longer available to users.

In addition to hardware requirements, the payment service puts forward a number of conditions for the smartphone / tablet software. So, to install Apple Pay, you need:

• the presence of a connected Touch ID on the device;
• mandatory authorization in iCould;
• installed application Wallet.

If your gadget satisfies this description, then it is suitable for using the payment service.

The Apple Pay service can only support plastic cards related to Visa and MasterCard payment systems. In this case, the type of card is not so important. It can be either credit or debit, and even virtual card– It is not important for determining connectivity.

Much more important is the name of the bank that issued you the means of payment.

Despite the fact that the system has been operating in Russia since 2016, not all banking organizations cooperate with her. Naturally, Sberbank was the first to receive the rights to use the payment service in our country. His clients may not even doubt that it is possible for them to connect the card.

As for the rest financial institutions, we recommend that before installing the necessary applications, check the possibility of adding their card to Apple Pay by contacting the customer service.

At the time of this writing (beginning of 2018), the list of Russian banks and financial institutions cooperating with the Apple payment service consists of 30 positions:

Important! Some banks can add to Apple Pay only Visa cards, or just MasterCard.

Be sure to check this detail on your bank's website.

In addition, any Yandex.Money card can be connected to the payment service. Virtual cards of this payment system can also be added to the application from Apple.

Naturally, the list of these organizations will be updated. Therefore, even if you did not find your bank in the list, do not despair - first check the information directly with its employees.

Surprisingly, to connect the payment service, you do not have to perform any special actions. No need to download and install new applications, change smartphone settings and rummage through the menu for a long time - the system is already integrated into the gadget. Even if your iPhone was released before 2016, when Apple Pay was launched in Russia, all the necessary software is already present in it.

It was downloaded automatically during operating system updates.

It's easy to make sure. Open the Wallet application - it is standard and is present on all devices of suitable models. On the home page application, you will see a block offering to connect the card to Apple Pay.

This means that the service is available to you.

Important! If the payment service block is not displayed on the gadgets of the models listed at the beginning of the article, try updating Wallet to the latest version.

After installing the update, restart your device.

Before you can pay with your phone, you'll need to set up Apple Pay. Actually, the whole setup process consists in adding plastic cards to the application that you plan to use for payments.

Important! In total, up to 8 cards can be linked to the system.

Adding a card can be done in two ways:

• directly through Wallet;
• using the mobile application of the bank that issued the card.

In addition, the binding algorithm will depend on what type of gadget you are using. Let's take a closer look at all the options that exist today.

Advice: to avoid errors when linking, make sure that the card account is not empty. With a zero balance, the system may refuse to add a card.

Adding a card to the iPhone and iPad follows the same algorithm. The first step is to make sure you have Touch ID enabled on your device and signed in to iCould.

This is mandatory conditions necessary for the operation of the payment service.

To link a card, open the Wallet apps and follow these steps:

• on the main page click on the link Add payment card in a block with Apple Pay;

Tip: You can also click on the + icon above the block.

• point the gadget's camera at the card and wait for the data to be recognized;
• on the next page, check the correctness of the card number and the data of its holder;
• click link Further;
• enter the expiration date of the payment instrument and its security code;
• press again Further;
• accept the terms of the user agreement;
• wait for a message from the application about the end of the binding.

Some banks, such as Sberbank, may request confirmation of adding a card via an SMS password during the process. To make this possible, the service must be connected to your card Mobile bank or its equivalent (depending on the financial institution). Otherwise, you will see a message stating that your bank is not an issuer of the payment service and adding a card is not possible.

If the bank is included in the list above, then the problem lies precisely in the impossibility of delivering the SMS password. Connect the instant messaging service and you will be able to successfully complete the procedure.

Setting up the Apple Pay payment service on Apple smartwatches is done through an iPhone. First you need to synchronize the work of gadgets. After that, digitize the cards on the smartphone ( step-by-step instruction for this process is described in the previous paragraph of the article).

Then - set a password on the clock. For this you need:

• go to the watch menu;
• select section Settings;
• scroll to item The code;
• go into it and set any combination convenient for you.

Important! If a password has already been set previously, this step can be skipped.

Now comes the turn of the settings on the smartphone. They are performed as follows:

• open the Watch application, which is necessary to connect the gadget with a smart watch;
• scroll down the application menu to the line Wallet and Apple Pay;
• click on this line;
• in the opened list available cards select the one you need access to on the watch;
• click on the line Add… next to the map image;
• confirm the linking of the card to the watch by entering the plastic security code in the proposed field (this is done on the watch);
• accept the user agreement on the smartphone;
• wait for the setup to finish (this may take a couple of minutes).

Depending on the bank, it may also require confirmation of the binding via an SMS password. It will need to be maintained after acceptance of the user agreement.

As a result of the operation, the iPhone should display a message stating that your card has been activated. After that, you can start using the payment service using smart watches.

Turn on plastic card to the list available for use in Apple Pay is possible not only through the standard applications built into the iPhone. If your gadget has mobile app from your bank, you can link through them.

True, so far not every bank has this opportunity. They provide exactly the same service:

Other financial institutions may not have the card adding service. In this case, use the standard binding methods described above.

Important! The names of the menu items and the algorithm for working with the application may differ depending on the specific bank. We will describe the process in in general terms.

Let's analyze the process of adding a card using the example of Sberbank. To bind, you must:

• go to the mobile application Sberbank Online @ yn;
• in the list of cards, select the one that you want to link to the payment system;
• go to the description of the map;
• click link Connect Apple Pay;
• Choose from the proposed iPhone devices.

After that, you will be redirected to the Wallet app, where you will need to add a card. In this case, you will not need to enter the number, full name of the holder and other data - the system will receive them automatically from personal account Sberbank. You will only have to confirm the binding and agree to the terms of the user agreement.

If everything is done correctly, you will see a green field on the smartphone screen with a message that the card has been added to the system.

Important! The process of linking a payment instrument to iWatch occurs in a similar way.

Only in the course of working with Sberbank Online @ yn will you need to choose not an iPhone, but an Apple Watch.

After completing all the settings, paying for purchases using Apple Pay will take less than a minute. We will figure out how to use this service on different devices, and at the same time we will talk about some features of its use.

On iPhone and iPad devices, the payment mechanism for purchases in stores will be the same. To invoke Apple Pay, you must double-click the Home button.

This will launch the Wallet app.

Next, just put your finger on the fingerprint scanner on the gadget, and bring the device itself to the payment terminal. The gadget can be turned to the terminal with the screen, but it is more convenient to hold it so that the screen looks at you.

In this case, this will not affect the course of the transaction. Wait a few seconds until the terminal reports that the transaction was completed successfully.

Try to be sure to wait for the confirmation message, in order to avoid failures in the service.

Important! If the amount of your check exceeds 1000 rubles, the seller may ask you to additionally dial the pin code of the card at the terminal.

But this is not a mandatory requirement, so it does not apply to every outlet.

To use the payment service on Apple smartwatches, double-tap the side button on them. In the application that opens, select desired card for payment, or leave the one that came out by default.

Then bring the gadget to the payment terminal so that it looks at it with the screen. Once the transaction is completed:

• the terminal will give a signal about the successful withdrawal of funds;
• the clock vibrates.

Important! To successfully use the service, the watch must be on hand.

If the purchase amount is more than 1000 rubles, additional identification may be required. In this case, the password set on the watch will be used as it.

Many online stores and apps now offer Apple Pay. If you're placing a purchase order on an iPhone or iPad, look for a button in the list of available payment options that says Buy with Pay.

After you fill in all the order fields required for the store - delivery address, recipient's name, quantity of goods, etc. - click on this button.

You will see a window with the amount of the order. The Touch ID sensor will glow at the bottom of the window. Put your finger on it to confirm the payment.

Wait for the message about the end of the transaction. Everything is simple!

Important! It is not possible to make payments in this way from a PC.

Mac computers are an exception latest versions, equipped with a fingerprint scanner or synchronized with iPhone.

If you are placing an order from a macbook synchronized with an iPhone, just like in the case above, after filling in all the data, click on the black button to pay. Then unlock your iPhone - it will not receive a notification about the invoice. Put your finger on the fingerprint scanner on your iPhone, and your card will be debited for the amount of the check.

A confirmation of payment will appear on the MacBook in a few seconds.

List of online stores and applications that support payment system from Apple, is changing every day. But for several years it has included such popular services as:

In addition, Internet representations of Aeroflot and S7 companies cooperate with Apple Pay. It is unlikely that somewhere you can find a complete and up-to-date list of trading platforms that support the payment system.

It is much more convenient in each case to check the possibility of payment before ordering.

How to use Apple Pay, to which only one card is linked, is more or less clear. But the service makes it possible to attach up to 8 different cards to the gadget.

How does the choice of payment method take place in this case?

In fact, everything is simple. The first card you add to Wallet is immediately set as the default payment method.

That is, all payments will be made from it, unless you choose another card before paying.

Card selection can be carried out each time before paying the bill. To do this, after launching Wallet, you should swipe your finger across the screen sideways. The gadget will start scrolling through all the cards attached to it.

Having scrolled to the desired one, bring the device to the terminal and complete the transaction in the usual mode.

If you have changed the main card, you can set it in the system as a default payment method, even if it is far from the first one linked. For this you need:

• enter the application;
• select the Default Map item in the menu;
• select the desired card from the list that opens.

There is another way:

• go to Wallet;
• select the desired card from the general list;
• go to the description of the map;
• press the i icon;
• Check the box next to Automatic selection.

The described methods are suitable for correcting the list of means of payment on iPhones and iPads. On Apple Watch, the algorithm of actions will be slightly different:

• open the Apple Watch program on the main gadget;
• go to the tab My watch;
• select line Wallet...;
• go to menu item Default map;
• mark the required card from the general list.

If necessary, any of the linked cards can be removed from the device. This is done in a similar way - select the desired card from the list, go to its settings, and then mark the item in them Delete. For iPhone and iPad, this is done directly on the gadgets themselves.

For iWatch, deletion is done through an iPhone linked to the watch.

As you can see, in payment service from Apple there is nothing particularly complicated. But it can help simplify daily financial operations and secure your cash.

The mobile payment system called Apple Pay is becoming more popular every day, it greatly simplifies the process of buying any goods.

Forget about pin codes, because you just need to select a card, scan your finger or face, and you're done.

But can owners of such devices as iPhone 5, 5C and 5S use this technology? Let's tell everything in order, there is both bad and good news.

Does iPhone 5, 5C, 5S support Apple Pay?

As you know, in order to make a purchase using Apple Pay, we need an NFC-enabled smartphone. Apple only added this technology with the iPhone 6 and iPhone 6 Plus.

This means that if you are the owner of older models, then you will not be able to use this payment system.

The presence of Touch ID in the iPhone 5S is a bit misleading, but Apple apparently was not yet ready to implement NFC at that time. This was basically bad news, now let's move on to the good.

How to connect Apple Pay on iPhone 5S, 5C, 5?

I'll start everything from the very beginning, because when it comes to older models, the situation about some points becomes more complicated, such as using Apple Pay.

As you know, there is a smart watch from Apple called Apple Watch. Fortunately, they have NFC and if you are the owner of the iPhone 5S, then you can easily download the Wallet application (an application for implementing Apple Pay) and add your cards there.

This option is available only to owners of iPhone 5S and newer models. Just to connect Apple Watch, you need at least iOS 11.