Where can I pay with a card. We pay with a Sberbank credit card: payment features. What bank cards are suitable for online payments

Plastic bank card - convenient payment instrument providing the cardholder with convenient round-the-clock access to his personal account in the bank. This bank account is called special card account(abbreviated - SCS), it reflects all transactions performed by the client using a plastic card.

Bank cards are widely used today for making non-cash payments, including when making purchases via the Internet, for transfers, as well as for withdrawing cash or replenishing a card account through ATMs or cash withdrawal points.

In Russia, the most popular are cards of the leading international payment systems Visa and MasterCard. The plastic card has standard dimensions (86 mm x 54 mm x 0.76 mm) and is equipped with a data carrier - a magnetic stripe or a microprocessor chip.

Advantages of a plastic card over cash

Plastic cards have undeniable advantages over "live" cash, they include:

• Convenience. No need to carry with you large sums cash and shove small change in your pockets - any purchase or service can be paid by card.
• Security. In case of loss of the wallet, it is unlikely that it will be possible to return the cash, but if this happens with the card, it can always be blocked.
• Lack of boundaries. With a plastic card, you can safely go abroad, since this payment instrument operates all over the world.
• Bonuses. Many banks offer cardholders various bonuses in the form of discounts and cashback (when a certain percentage of the purchase amount is returned to the card).
• Control of the expense of funds. By receiving monthly statements on all card transactions, you can analyze your spending.

How to pay with a card in a store?

It is easier to pay with a plastic card than with cash. This can be done in any store, restaurant, shopping center, in any trade and service organization equipped with a payment POS terminal.

If your card has a magnetic stripe(such cards are gradually becoming a thing of the past), in order to pay, you need to swipe it through a special reader of the terminal, then enter a pin code or sign the check.

If a plastic card equipped with a chip, you need to insert it into the special connector of the POS terminal up to the stop with the face up and enter the pin code.

If you are the owner of a modern card with contactless technology payments, and the POS terminal is equipped with the corresponding function, just touch the card to the reader with the "wave" icon. If the purchase amount does not exceed 1000 rubles, then you will not need to enter a pin code.

Is it profitable to pay with a card in a store? Yes, it is beneficial if you have a cashback card. CashBack cards allow you to get back to your account a part of the money spent in the form of bonuses or real money... Some banks return up to 10% of purchases in certain stores, on average it is 0.5-1% of the transaction amount.

How to pay with a card over the Internet?

Paying for goods and services with a plastic card on the Internet is as easy as in a regular store. After choosing the desired product, go to the payment section, where make sure that the amount offered for payment corresponds to the value of your order.

If everything is correct, enter in the appropriate fields electronic form information about your card, namely:

• card number (indicated on the front side)
• expiration date (indicated on the front)
• name and surname of the cardholder in Latin letters (as on the card itself)
• CVV / CVC code (digital code located on the back of the card)

After paying for the purchase, expect confirmation of the operation in the form of an SMS message.

Attention! Please note that the PIN code is not included in the card details for conducting remote operations... Do not provide information about this password to anyone and never enter it while working on the Internet!

Can I pay with a Sberbank card abroad?

Yes, all cards of international payment systems MasterCard International, Visa International and American Express issued by Sberbank of the Russian Federation "work" outside Russia. They can be used both to pay for purchases and services abroad, and to receive cash.

It is possible to withdraw money through ATMs abroad with all Visa and MasterCard cards of Sberbank, with the exception of Sberbank-Maestro "Student", Sberbank-Maestro "Social" and instant cards Sberbank-Maestro "Momentum".

The National Payment Card System (NSPK, which is engaged in the issue of the Mir card) was created in 2014, the issue of cards directly started from the end of 2015. And so far, the attitude towards the Mir payment system is, as a rule, wary. Many are convinced that Mir is a national exotic that cannot be used properly. From patriotic feelings, it can be issued and even use bonus programs, but it will not be possible to fully apply it in life along with Visa and MasterCard.

Does it make sense to design a card that is not accepted anywhere? Is it possible for her to pay abroad? Is it safe? When will Sberbank finally start issuing Mir cards? Let's figure it out.

1. Is Mir more profitable in comparison with Visa and MasterCard?

If we talk about the tariff policy for cardholders, then it is formed by banks independently and is beyond the competence of the NSPK.

Among the products of the Mir payment system are debit and prepaid cards, debit card with overdraft and credit card, premium debit card with overdraft and credit card. You can study, for example, the rating of classic debit cards "World". So, the cheapest card to service can be the "Classic World" of the bank "Ak Bars" - its cost is only 200 rubles per year. Slightly more expensive - 300 rubles - you will have to pay for the "Mir Classic" card of "SMP Bank", but noticeable advantages here will be the presence of bonus program Travel Miles and free accident insurance or TCD policy (travel insurance). On average, the price level of the cost of service in various banks ranges from 200 to 1000 rubles per year.

There is no significant price and psychological difference in the cost of servicing Mir, Visa or MasterCard cards in most banks.The only question is the number of outlets where you can pay with this or that card. Obviously, so far in this regard, Visa and MasterCard are noticeably ahead.

2. Where can I get a Mir card?

The official website of the NSPK posted detailed diagram participants of the Substation "Mir". There are already more than 130 banks in the system. At the same time, only 23 banks can issue the card, including Gazprombank, Bank URALSIB, Bank Otkritie, recently joined Raiffeisenbank and others.

The total number of Mir cards issued as of July 2016 exceeded 220 thousand. A massive surge in emissions is expected from September, when it is connected to the issue. At the same time, the head of the bank, German Gref, recently noted that by the end of 2016, more than half of Sberbank's POS terminals and all of its ATMs will accept national cards.

3. Where can I pay with a Mir card?

In July of this year, we became one of the first providers to connect Internet acquiring using Mir cards. This means that you can pay with MIR cards on the Internet. For example, users can pay not only with a Visa card, but also with a national card. This service is increasingly in demand.

In addition, even at the beginning of the year there was only talk about the potential acceptance of Mir cards in shops and restaurants, but now the largest federal retail chains are beginning to actively work in this direction. And soon such functionality will cease to seem exotic at all.

The most recent participant in this list is the Auchan hypermarket chain, which accepts Mir cards since August 25. A little earlier, Metro Cash & Carry and the furniture giant IKEA were connected.

Big news was the start of accepting Mir cards in the McDonald's fast food chain. They became the first American-owned company to implement the project despite the sanctions against Russia.

Also one of the first Russian fast food chains, where it became possible to pay with national cards, was Teremok. Among the most famous points are the networks Bill, Sportmaster, H&M, cinemas Karo, Aeroflot, Mail.ru, Megafon - all of them have already deployed a ready-made infrastructure that allows you to pay with Mir cards.

Finally, important step the next step will be the implementation of the functionality of payment with the "Mir" card on the global online platform retail AliExpress. In April of this year, NSPK and AliExpress signed a protocol on interaction with the aim of developing a common culture of non-cash payments in Russia: so, perhaps, the long-awaited integration will take place in the fall.

4. Is it possible to pay with a Mir card abroad?

Yes, but for this you need a co-badging card (a joint card of two payment systems, which can be used in both infrastructures): for example, Mir-JCB, which can be issued at Gazprombank's branches, or Mir-Maestro, issued by on this moment MTS-Bank. You can pay with a similar “product” of import substitution in almost all countries of the world: the same JCB has a network of 30 million devices worldwide. Maestro has almost the same functionality.

5. Is the Mir card safe?

Some time ago, the media discussed the story that the security of Mir cards at first would be questionable because of the systems complementary to the card. According to the Central Bank expert, “potential attacks will not be on the card itself, but on some systems that complement this card, for example, on RBS systems, reading information about payment card etc".

Representatives of the NSPK and leading Russian banks sweep aside all misunderstandings: from the point of view of protection, the Mir card is absolutely identical to the cards of international payment systems. It contains a chip with EMV technology, which is used, among other things, in Visa cards and MasterCard.

Another important point is CNP transactions (Card not present - transactions without the physical presence of cards), that is, when paying on the Internet. Here, a temporary solution of the NSPK based on 3D-Secure of the Verified by Visa standard is currently used - in which the cardholder confirms each operation on his card with a special one-time password which he receives as an SMS to his smartphone.

In the near future (by the end of 2016), it is planned to switch to independent from international payment systems 3D-Secure 2.0 standard developed by EMVCo. Its main difference is that the buyer will not be redirected to the access control server page; instead, the client must have a special authentication application installed. It will also allow making payments using In-App Payments technology - directly from the application without using a web browser.

6. Map "World": for whom is it?

Now cards are issued mainly for salary and social projects... When developing the tariff policy, employees were primarily taken into account budgetary sphere: over time everything salary projects budgetary institutions it is planned to transfer to the map "Mir". Recently, there was also a message that the Ministry of Finance plans to transfer social benefits payments to the NSPK. Favorable rates will most likely become one of the main advantages of the card. Probably, the basic products of the Mir PS in the future will be more affordable than their counterparts Visa and MasterCard.

It is worth paying attention to the immediate prospects of the product: the implementation of a transport application on maps, and potentially also a social and medical one.

After a full launch, the loyalty program for Mir cardholders will also help attract consumers. It assumes, in particular, cashback (return of interest from purchases to the card), the average size of which will be approximately 10-15%.

Do not forget about the basic advantage of the Mir card for Russians - the stability of its work in any conditions. Everyone remembers the situation in Crimea with the international payment systems Visa and MasterCard. It is important that the national card makes it possible to make transactions and withdraw cash regardless of external political and economic factors... Personal data of Mir cardholders remain in Russia.

Why did we decide to connect Mir? To support Russian company that pays in the Russian Federation. I am sure that with the development of the national payment system, its creators will be able to offer both businesses and individuals a lot of bonuses that will make the Mir card very attractive to customers.

A bank card is a very convenient thing that allows you not only to store your money, but also to use it quickly. With these tools, you can pay in shops, supermarkets, shopping centers and even online when shopping online. Let's take a closer look at how to pay with a card in any store?

Instructions

To begin with, let's figure out what a plastic card consists of, and how data is transferred to a cash register in general. Bank card - contains certain details, as well as digital signature the cardholder itself.

When she makes a payment, the terminal realizes that it is the owner who uses it and sends this to the bank to transfer a certain amount of money from the client's account to the merchant's account.

1. As soon as you have chosen a product or decided to pay for a service, you need to notify the seller that you would like to pay for the product, namely bank card... It is best to find out in advance if you can pay in this way.
2. Next, the cashier must get a trading POST terminal, which looks like a large calculator. He will need to click on the amount of funds debited. Before buying, be sure to check exactly how much the product or service costs and whether it is right for you given price... It is also worth clarifying about discounts and bonuses, if any.
3. Check the price again. Next, the seller will give you the terminal or take your card to insert it into the device himself. Before that, be sure to look at the scoreboard - the correct price must be written there.
4. You will then be asked to enter a PIN. These are verification numbers that are needed to identify the cardholder and the client of this bank. PIN consists of 4 digits, and it is in the envelope that was given to you at registration banking product... Enter the correct sequence of numbers (if the code is entered incorrectly, the payment will not be made, and if it is entered incorrectly 3 times, the card will be blocked).
5. If you clicked the wrong direction by mistake, then click on the yellow button with an arrow icon to the left. The numbers will be erased and you can enter the correct combination again. To cancel the transaction, click on the red button with a cross icon. After entering the verification code, you will need to click on the green button.
6. The terminal will print a receipt. The merchant should rip it off and give it to you, along with the sales receipt. In no case do not throw out both pieces of paper, according to which you could return the product if it does not correspond to a certain quality.

If you have activated the SMS banking service, then to you on mobile phone an SMS notification should come with the purchase number, date, debited funds and the remaining balance of funds on the account. Otherwise, you can always see the balance on the card through Internet banking, a mobile application or through an ATM.

It doesn't matter with which card you pay: Sberbank, Tinkoff, Rosslkhozbank, Alfa-Bank, B&N Bank, VTB24, etc. They all have the same look and are made according to the same standard, so that the payment takes place alone.

If there is no terminal in this place, then you will have to pay in cash. To do this, you just need to find an ATM or cash pick-up points and cash out the account for a certain amount. We advise you to use only ATMs of your bank so as not to pay extra fees.

How to use the terminal

You can make the payment yourself. There are several ways you can do this. Have modern maps there are 3 payment options:

1. Magnetic tape- You have a black stripe on the back of the plastic. To pay, simply swipe it from left to right, stripe down. Also, be careful with the card, as information from the magnetic stripe may disappear due to demagnetization.

1. Chip- insert the card with the chip facing up, so that it is closer to the terminal, and the card number is to the left of the center.

1. RFID or remote payment - there is nothing complicated here, just apply plastic to the terminal and the payment will be made. If the purchase amount does not exceed 1000 rubles, then you do not need to enter a PIN.

Online payment

Can I pay with a card online? Here the scheme is slightly different and for payment you need to enter certain plastic details in the fields when buying and paying. You do not need to memorize anything and all the data is right on the card:

1. Plastic number.
2. Validity.
3. Owner's name.
4. CVC2 and CVV2 code.

NOTE! For the safety of your account money, you should not disclose this information to anyone. 3D-secure protection, which confirms via SMS, is not valid on all websites and online stores. And CVC2 and CVV2 codes are also not required everywhere. If you see strange deductions from your account, immediately call the number hotline your bank and block this product.

/ Evgeny Biyatov

Muscovites now have the opportunity to pay for river trips in the capital and the Moscow region when booking Rekaonline.ru with a Troika card. You do not need to print an electronic ticket for a boat trip. Already on board the ship, you only have to attach the card to the validator.

AiF.ru tells what other possibilities the Troika card has.

Travel by metro, trolleybus, bus, tram

All types of tickets - "Single", "90 minutes" or TAT, can be added to the Troika.

Travel by train

You can register tickets for travel on electric trains on the Troika. This can be done at the ticket offices of the suburban railway service and in most of the machines of "Russian Railways". A maximum of two subscriptions with different validity periods and destinations can be added to a Troika card. The passenger has the right to get off with a pass, written on the card, at any stopping points within the validity of the pass.

Buy tickets to the planetarium

From November 2015, Troika card users will be able to visit the Lunarium interactive museum in the Moscow Planetarium without having to queue up for a ticket. To enter the museum, it is enough to attach the Troika card to the turnstile at the entrance to the museum. Payment will be made in accordance with the cost of the entrance ticket to the "Lunarium". The number of passes with one Troika card is limited: only one entrance ticket can be paid with one card.

Buy a ticket to the zoo

From August 11, 2015, Troika card users will be able to visit the capital's zoo without having to stand in line for a ticket: just touch the card to the turnstile at the main entrance. Payment is made in accordance with the cost of the entrance ticket. The number of passes with one card is limited: only one entrance ticket can be paid with one card.

Buy a skating rink ticket

In winter, Moscow residents can pay for admission to the skating rink in the park of culture or VDNKh with a Troika card. The transport card applies only to the entrance to the ice rink and does not function when renting a cell.

Buy a ticket to the Tretyakov Gallery

Muscovites and guests of the capital will be able to pay for the entrance to the Tretyakov Gallery in Lavrushinsky Lane using a Troika card.

Pay for travel by "Aeroexpress"

The card can be used to pay for travel on Aeroexpress trains. To do this, it is enough to bring the card to the turnstile at the entrance to the platform. Payment is made in accordance with the fare for one trip in a standard class carriage. The ticket price is 450 rubles. There is no additional commission when buying an e-ticket.

Pay for bike rental

Cyclists, if desired, can activate their transport card"Troika" in your personal account on the bike rental website, terminal or in mobile application... After that, the client can use this card as an electronic key upon receipt of the bike.

Pay for parking

From July 2016, it will be possible to pay for parking with a Troika card without a fee at the parking meters installed on 78 streets inside the Garden Ring. In 2017, it will be possible to pay with a card for all city parking lots.

How can I top up my card?

You can top up the Troika at the ticket offices of public transport, communication salons, through ticket terminals, and also remotely - on the websites transport.mos.ru and troika.mos.ru. Troika card users also have access to such top-up options as online, via SMS, on payment terminals and at the Aeroexpress ticket offices.