How to enable contactless payments in Yandex money. Contactless payments have appeared in the Yandex.Money application. In other cases

09.08.16 104 555 0

Setting up an additional payment method on your phone

Your phone has a chip with which you can pay as if it were a contactless card. Bring your phone to the terminal - beep! - the operation has passed.

Ilya Anonymous

Tinkoff Bank employee

Frankly, it looks impressive, but so far not very convenient. In Russia, there are still many incorrectly configured terminals that do not accept payment by telephone. And although Tinkoff-Bank is constantly working with other banks on this problem, it has not yet been completely resolved. But this is a matter of time.

In a year or two in large cities it will be possible to pay from the phone in any cafe, shop, bus and metro. Until this is the case, it makes sense to keep contactless payments in reserve. Firstly, it will come in handy if you forget your wallet at home or lose your card. Second, what if your favorite supermarket already accepts contactless payments? Then it will be possible to go grocery shopping without a wallet at all, with one phone.

If you have Android and five minutes of time, spend it on setting contactless payment... You never know when it will come in handy.

What is needed

You need an Android phone. Almost all phones from Samsung, HTC, Alcatel, Huawei, Meizu, ZTE and Xiaomi work on Android. Therefore, if you do not have an iPhone, most likely you have Android.

We also need support for NFC technology - near field communication. If you've bought a smartphone in the past two years, chances are it already supports this technology. If in doubt if your phone has NFC, check the list on the NFC World website.

You will also need support for HCE - Host Card Emulation. It is available in all Android phones starting from version 4.4 of Kitkat 2013. If your phone is less than three years old and you regularly update software, then you should have HCE support.

If you have an iPhone, contactless payment technology in Russia is not yet available to you. It can appear at any time, and when it happens, we will inform you.

If you have a Tinkoff Bank card

If you use Tinkoff Bank cards, download or update your mobile bank. It already supports contactless payments. Launch the application, click on the contactless payment icon, enter the password, and that's it, you can attach your phone to the terminal:

The money will be debited from the card to which you enable contactless payment. To set this up, go to mobile bank v desired card→ services → contactless payment:

Go to the app and the contactless payment icon will appear on the same screen where you enter the security code. Contactless payment can only be connected to active map: if you have, for example, released additional card, and the main one is reissued and has not yet been activated, then contactless payment may not work. If you do not see the "Contactless payment" switch on the "Services" screen, write to the bank's support service and they will tell you what to do.

If you use "Yandex-money"

You can pay with Yandex money in the same way as with ordinary money. To do this, you need to select "Contactless payments" on the main screen of the application, remember your Yandex password and enter the code from SMS. After that, Yandex will create a virtual card for you, which you will use to pay through your phone. The money will be debited from your Yandex-money account.

While experimenting, I noticed that if you do not use Yandex-money for a long time, then at some point the application forgets that you allowed it to make payments, and starts again asking for the password and code from SMS.

In other cases

Google's app store has a Wallet application from the developer CardsMobile. You can pay with virtual mobile cards four banks: Tinkoff Bank, Russian Standard, St. Petersburg and Moscow Industrial Bank. To connect one of these cards, go to the "Cards - banks" section:

Pay attention to the type of card you want to connect:

• Prepaid means that you can apply for it even if you do not have an account with this bank. You issue a card, send money to it, pay. How much you put in - so much you can spend.
• To an existing account - means that you must already have an account with this bank. An additional virtual card for contactless payments. When paying, money will be debited from this account.

Choose which card to issue you: prepaid or to the main account. Wait until the bank issues it, top up using the details, and you can pay. The Tinkoff Bank card is issued in 5-10 minutes.

Look also at other features of this application: transport and discount cards... In Moscow, so far, transport does not work, but in Yekaterinburg, for example, it is already working.

Keep payment from your phone in reserve

Unfortunately, contactless payment by phone is not yet as perfect as payment by card. In stores, there are incorrectly configured terminals that do not accept such payment. There are terminals that do not support contactless payments at all. Therefore, for now, you cannot rely on the phone as the main means of payment: too much can go wrong.

The situation will gradually improve, and as soon as in Moscow or St. Petersburg it will be possible to pay from the phone all day, we will write about it. Until then, treat your phone billing as a fallback just in case. Make sure everything is up and running and keep it in reserve. And check your local supermarket to see if it already accepts phone payments.

Once again service Yandex Money has proven its advancement and superiority over many competitors by providing its users with the ability to pay via NFC. And without the ultra-modern chips Yandex Wallet is considered by users as one of the most promising electronic wallets in Russia, which has become widespread not only in the territory of the Russian Federation, but also abroad. If your mobile device meets the requirements of the system, you can now easily turn it into a payment instrument.

What is the NFC function?

From English, the concept is translated as "Near Field Communication". We are talking about wireless communication, transmitted over short distances.

2 NFC-compatible devices can communicate with each other without problems if they are placed within a small distance of a few centimeters.

The technology is actively used in smartphones. The goals of its implementation can be different:

• quick exchange of links and files;
• using the device as a pass to areas closed for public access;
• the transformation of a smartphone into an analogue of a bank card.

How are contactless payments made from the Yandex Money wallet using a smartphone?

If you have a smartphone that supports the described option, you do not need to download any additional drivers. It is enough to update the version of Yandex.Money for smartphones by choosing the latest update option and specify “Contactless payments” in the settings.

Your mobile phone will automatically become payment instrument MasterCard systems. An amount equal to the amount of money you keep in your electronic wallet will appear on his virtual balance. You will be able to pay for goods and services using instead bank cards mobile phone.

Here's what else you need to know if you have an NFC tag installed:

1. You can pay with Yandex Money without leaving a signature or entering a PIN code to the cashier. The latter is sent to SMS only if total cost purchases exceeded the amount of 1,000.00 rubles.
2. The described method of calculations in all respects meets the security requirements of MasterCard.

The calculations themselves take place according to the following algorithm:

1. Click on the "Pay" command on your smartphone.
2. Enter the access code.
3. Bring the device as close as possible to the reading panel of the device.

The money went to pay for your purchase, and you will not be charged any additional commission for using Yandex Money NFC.

Where does this payment method work?

Yandex card payments are gradually giving way to a new type of payment. Every day all over the world, outlets install devices equipped with the described technology. On the this moment it is used by 74 countries in more than 4,000,000 stores.

Russian retail outlets are actively switching to NFC. So for Last year the number of objects providing the possibility of contactless phone payments increased by 140%.

Is it safe?

Like paying with Yandex card in stores, the phone application is a safe method of payments, which has been taken care of payment system MasterCard:

• you yourself generate the access code for the application;
• all your payment data is encrypted using modern technologies.

The last argument in the direction of security is the impossibility of making a payment in the amount of more than 1,000.00 rubles without a PIN, which comes to the owner.

How do you know if your phone supports this technology?

There are several ways to check the availability of an option on your mobile device:

• find the list on the internet NFC phones and check if the model you are using is present in it;
• check for mentions of NFC in the gadget user guide;
• look for an option in the device settings menu;
• try to push the device to the reading panel, the function may be activated by itself;
• look for an NFC antenna, etc.

If you have an iPhone, only versions 7 and higher have the ability to make contactless payments with it. Sixes can only be used to pay for purchases with Apple Pay.

Advantages and disadvantages

An important advantage of contactless payment from Yandex via phones with a built-in NFC option is the speed and ease of making monetary transactions... Do not forget about their safety.

The disadvantage is that there are still many retail outlets that have not adopted the technology.

Conclusion

The introduction of NFC technology became an important decision for Yandex Money service, which influenced its ratings and made online wallet even more in demand in Russia, where the introduction of new financial options is in full swing.

Hello, friends!

Active Internet users are already familiar with such payment systems as WebMoney, QIWI and Yandex.Money. They allow you to receive wages, pay for goods and services, make transfers using an electronic wallet. But, besides this, it became possible to bind plastic and virtual means of payment to it for offline settlements. Yandex Money card is one of them.

In 2015 Yandex.Money became the issuer of MasterCard. And they started issuing their own debit bank cards. Therefore, the question of which bank serves Yandex.Money cards is not relevant today. Until that time, Tinkoff Bank was the partner.

You should pay attention to one feature. Previously, cards were issued in Gold status, and now - in World status. It is considered higher because privileges from partner companies have become available to holders.

Payment types

Yandex.Money issues 2 types of means of payment:

1. Virtual- it free maps, with which you can pay for goods and services on any sites on the Internet.
2. Plastic- cards that allow you to carry out not only cashless payments but also withdraw cash from ATMs.

These cards have one thing in common - they are tied to an electronic wallet. This is the main difference from - they are tied to a bank account.

Let's see where virtual and plastic cards can be used.

In addition, there are two types of plastic cards:

1. Instant (no owner's name on the front).
2. Nominal.

All Yandex.Money plastic payment instruments are equipped with the PayPass contactless payment system, which allows you to pay for purchases by simply touching the terminal.

They differ in cost annual service... Below I will spend comparative analysis tariffs and conditions for the use of virtual and plastic cards... But first, I'll tell you how to arrange them.

How to order and receive a Yandex.Money card?

A virtual card is issued in a matter of seconds on the Yandex Money website, subject to the availability of an electronic wallet. Plastic requires a longer procedure. However, it will not take more than a couple of minutes:

1. You must fill in your full name and home address.
2. Pay 200 rubles. (service cost for 3 years).

In a maximum of 5 days, you will receive a notification by e-mail that the payment instrument is ready and sent to the addressee. The tracking number for tracking will also be indicated there.

To the popular question: "Can I get a card for free?" We answer: “Yes, you can, but only virtual”. A couple of years ago there were promotions for which the means of payment were issued for a symbolic price of 1 ruble. Today there are none.

Two options for obtaining:

1. By mail. A notification of the receipt of a letter with a ready-made card will be sent to the address indicated during registration.
2. If you are a resident of Moscow, a courier can deliver the card. Its cost will increase exactly 2 times and will become 400 rubles.

Please note that unnamed plastic can be collected from the office in Moscow, St. Petersburg or Nizhny Novgorod.

After receiving the card, it must be activated. The site has a page for activation, a link to it can be found in the envelope in which your card will come.

1. Enter the card number.
2. Come up with a pin code (4 digits).
3. Come up with a code word.

The procedure will take a few seconds. Everything, the payment instrument is ready to work.

Yandex.Money card: how to use

Top-up without commission

The balance of an e-wallet and a card is one and the same. If you replenish the card for a certain amount, your wallet will be replenished with the same amount. And vice versa. How to find out the balance? It's easy to do this on a website or mobile app. The number of the electronic wallet and its status are also indicated there.

Yandex.Money offers many ways to fund your card. This can be done from bank cards, balance mobile phone, in cash, through transfer systems (Unistream, Russian Post, City, CONTACT), etc. But we are interested in free options:

• in the salons "Euroset" and "Svyaznoy",
• at Sberbank ATMs,
• via the Internet bank Sberbank Online or Alfa-Click.

Can entity transfer money to a Yandex.Money card? Oh sure. The next question immediately arises. How do I find out my bank details? On the Yandex.Money page, select the “Top up” tab, then “ Bank transfer”. There you will find the details for crediting funds from a legal entity.

How and where to withdraw money?

You can withdraw cash from a Yandex.Money card at any ATM in Russia or abroad. The owners of the virtual card cannot do this, there are no prohibitions on the plastic one. But there are limits on the amount and withdrawal fees. I will give a detailed breakdown by numbers in the table with tariffs and conditions.

Regardless of the bank, the commission will be 3% of the amount, but not less than 100 rubles. For example, withdrawing 1,000 rubles, you will pay 100 rubles. And from the amount of 4,000 rubles. the commission will be 120 rubles.

Configuring Do's and Don'ts

Yandex.Money makes it possible to use a very convenient, in my opinion, function - to set up the conditions for using the card. What can we do in the settings:

• Change the pin code and see the code word. The pin code is needed when paying for goods and services, when you insert the card into payment terminal, or when withdrawing cash from an ATM. You can change it every day. The code word will come in handy when contacting support.
• Introduce restrictions (for cash withdrawals, payments on the Internet, sending transfers).

This can be done as many times as necessary. For example, if you are not going to withdraw cash, disable this option. Has the situation changed and money is urgently needed? Enable the function again. This will be done instantly.

• Inform about the next trip abroad to protect the card from possible blocking... The security system, in case of doubt that it is you paying abroad, can turn it off.
• Block the card or close it.

A convenient function of changing the settings for those who use the card only in exceptional cases. Thus, we can additionally protect ourselves not only from fraudsters, but also from ourselves.

Control over operations

Yandex.Money offers 3 ways to control transactions that go through your payment method:

1. The mobile application can be downloaded for free from Google Play or the App Store.
2. Informing from the service by e-mail (free of charge to the address specified in the settings).
3. SMS notification (50 rubles per month, subscription for 6 months - 200 rubles, for 1 year - 350 rubles)

Communication is easily customizable on the site. This is what it looks like.

In my opinion, there is no need to connect SMS informing. Enough Email and push notifications from mobile app... And the fact that it is necessary to monitor operations regularly is an indisputable fact. Imagine that a fraudster has used your card. You will instantly know about this and block it.

Tariffs and conditions

What is the cost of service and the conditions for using Yandex Money cards? Tariffs depend on which wallet you have:

• anonymous,
• nominal,
• identified.

We wrote in the previous article, so we will not dwell on this, but go straight to the tariffs and conditions.

When analyzing the materials for the article, one curious detail emerged. It is much more profitable to pay for purchases in European countries in euros rather than in rubles. Despite the fact that the card is in rubles. The mistake of many travelers is that they choose their native currency at the ATM or when asked by the cashier. As a result, they have a commission for several conversions.

Advantages and disadvantages

Yandex.Money map deserves attention according to user reviews and my own experience. People with a steady source of income online will appreciate the benefits of plastic. I analyzed my list of pros and cons and adjusted it based on feedback from other clients. Here's what happened.

Advantages:

1. A small amount of annual maintenance (only 200 rubles for 3 years).
2. The ability to independently configure the restrictions.
3. Contactless payment system.
4. The ability to change the pin code.
5. Payment for phone, internet and some other services without commission.

Flaws:

1. A small number of offices (only in Moscow, St. Petersburg and Nizhny Novgorod).
2. High commission for cash withdrawals.
3. There are no own ATM machines.
4. Time-consuming procedure for identifying an electronic wallet, if you want to have the best tariffs and conditions on the card.

Conclusion

Many customers note that it is convenient to use the card if you work on the Internet and receive money on Yandex.Wallet. This a good option debit card... As a freelancer, I can attest to this. As the main disadvantage, most point to high commission when withdrawing cash. And this is also true. To withdraw cash, it will not be superfluous to have a couple more cards.

Are there freelancers among your blog readers? What do you think about plastic from Yandex.Money?

The Yandex.Money application for Android devices now supports MasterCard Cloud-Based Payments (MCBP) contactless technology. Users can now pay in stores and deposit and withdraw cash from ATMs by simply holding their smartphone against a reader that supports this technology. To do this, the NFC function must be activated on the phone.

To pay contactless, install additional programs you don't have to - just update the Yandex.Money application to latest version and select "Contactless payments" in it. The application directly in the phone will create a digital contactless MasterCard, the balance of which will be equal to the amount in the electronic wallet. You can top it up by putting money on your wallet in any convenient way... The PIN code to the card will be sent via SMS, but if the purchase price does not exceed thousands of rubles, the user will not have to enter it or sign the check.

One-touch payment with your phone fully complies with the security requirements of MasterCard - payment data is securely encrypted, and the application is protected by an access code set by the user himself. To make a purchase, in the application, you need to click the "Pay" button, enter the access code and bring the phone to the reader. There is no commission for payment in this way.

Contactless payments are available to all Yandex.Money users with smartphones running Android version 4.4 or higher and supporting the NFC function. According to the payment service, about 60% of users of the Yandex.Money mobile application for Android have phones with NFC.

Contactless payment technologies are becoming more and more popular. According to a 2015 survey by Gemalto and J'son & Partners, 66% of Russians aged 16 to 35 would like to use their phone as a contactless payment method. Strategy Analytics predicts that more than 100 million people worldwide will pay for purchases via smartphones with NFC this year.

Payments by contactless technology MasterCard is accepted by more than 4 million retail outlets in 74 countries of the world. In Russia, over the past year, their number has grown by 138%. Russians can make contactless payments across the country in shops, pharmacies, cinemas, dry cleaners, cafes and restaurants. This payment method is available at the ticket offices of railway stations in Moscow, St. Petersburg, Kazan and Nizhny Novgorod, as well as in public transport - for example, at the turnstiles of the Moscow, St. Petersburg and Novosibirsk metro, in the buses of Moscow, the Moscow region and St. Petersburg. You can also pay for travel contactlessly at Aeroexpress - at turnstiles in Moscow, as well as at ticket offices and ticket machines in Kazan. Drivers can pay with one touch at metropolitan parking meters.