What do you need to pay by phone instead of a card. How to use NFC on your phone to pay for purchases and travel. What similar solutions are there for Android in Russia
Many have heard of the possibility of using a phone instead of a Sberbank card to pay for purchases. Let's take a closer look at how the function works, how to link a Sberbank card and how to pay without the physical presence of the card.
How is payment made from the phone?
It has become possible to pay by phone instead of a Sberbank card since 2016. To pay with a smartphone, you need to download the card into a special application. After that, you can pay with your phone, if you bring it to the terminal or other device for receiving payments. The convenience of this option is the absence of the need to always have a card with you. Rate yourself:
Pay with your phone like a card with NFC
Paying with a phone became possible thanks to NFC technology - a contactless method of transferring data over short distances (about 4 cm). The NFC module can be built-in to newer phone versions, or it can be customized.
Samsung smartphones, in addition to NFC, can also transmit information via MST, which generates a magnetic field similar to the field of a plastic card.
Secure payment from Android and iPhone
When downloading card information to your phone, it is worth remembering that it is not saved there. It is encrypted and located on Google servers, so it cannot become known to third parties. If the phone is lost or stolen, the user can block personal data or delete it using the "Android Remote Control" function.
The iPhone is also characterized by a high degree of security. The platform is characterized by reliability and practically protected from hacking.
How to install the pay from phone function
To use the right to pay from your phone, you need to download the appropriate application for paying by phone instead of the Sberbank card: Apple Pay, Android Pay or Samsung Pay.
You can connect the payment function in Sberbank Online or directly in the application.
In the first case, download, select the required card in the main menu and click on the detailed information about it. Find the line Add to Android Pay or Apple Pay, Samsung Pay.
Connect via mobile app
To be able to pay for purchases with a phone instead of a card in the application, you must follow the instructions:
- Log in.
- Click on "Add card".
- Scan plastic (bring it to the camera). The card information is sent to the phone when it is scanned.
- Enter the rest of the data.
- Read and agree to the user agreement.
- Confirm with the received code.
For iPhone, card binding can be done through the Wallet application.
What cards can be linked
At the time of the launch of the ability to pay by phone as a card, Sberbank allowed only MasterCard cards to be activated. Last year, owners also received the right to pay for purchases by phone.
Today, almost all types of Sberbank cards support the ability to download to the phone in order to pay at retail outlets:
- debit and credit;
- classic, gold, premium;
- Gift a life;
- Momentum and Visa Electron.
The only exceptions are Maestro cards... Paying from the phone is also not available for cardholders serviced by the MIR system.
How to pay with a phone instead of a card (instruction)
You can pay with your Samsung phone everywhere because of the MST technology we mentioned above. iPhone can only be used on terminals and devices equipped with a contactless payment method.
Paying with a phone instead of a Sberbank card is quite simple:
- Unlock the screen.
- Bring the phone to the device for receiving payments.
- Done appears on the display and a beep sounds.
- The payment was successful.
To pay with iPhone, you need to use Touch ID. You will need to put your finger and bring the phone to the device. If successful, a corresponding inscription will appear and a signal will sound, accompanied by a slight vibration.
Pay with Apple Watch easily according to this instruction:
- Press the button on the side two times.
- Turn the display towards the terminal.
- Receive completion signal.
Conclusion
Paying by phone instead of a Sberbank card is no longer considered something outlandish. Any Sberbank card can be connected to the phone using the appropriate application or through Sberbank Online. You can pay everywhere, except for phones that support only contactless data transfer.
Contactless payment by phone
Contactless payment by phone - new technology, which is predicted a great future. It is possible that in a few years, payment by phone will become as popular as payment by credit card is now. Like any other new technology, contactless payments by phone raise a lot of questions. In Russia, this technology is only gaining momentum. Many people are familiar only with Apple Pay, but this is not the only phone payment service available in Russia.
What is contactless phone payments
Contactless bank cards are already the norm. Their disadvantage is that you still need to always have a card with you, otherwise you will not be able to pay for purchases. Think about what you always carry with you? Most people always take their phone with them. The man left the house - took the phone with him. This happens automatically and does not burden at all. The appearance in the phone of the payment function, as in bank card, it was only a matter of time. And that time has come.
Popularity contactless payment using your phone is literally destined. This does not require replacing payment terminals. Phone payments can be made wherever contactless bank cards are accepted.
Modern phones, which have an NFC chip, allow you to pay in a store in the same way as with a bank card. It is enough to bring the phone to the contactless payment terminal. The procedure is similar to the card, but you do not need the card itself to pay. To use the technology, you need not only an NFC-enabled phone, but also a dedicated application.
A number of large banks have the application, for example, Alfa Bank. There are universal applications, for example, "Wallet", which work with cards of several banks. Including with Tinkoff bank cards. And there are not just applications, there are entire mobile payment systems. These include Apple Pay and Samsung Pay. Some also refer to them as Sberbank Pay, but this is a mistake. Sberbank did not release a mobile payment system, but only provides a convenient connection to Apple Pay.
Sberbank Pay
Sberbank is the first bank in Russia to start working with the Apple Pay service. Sberbank customers can connect the card to their iPhone not only through the standard Wallet application, but also through the proprietary Sberbank Online application. The Sberbank Pay application does not exist. You can use the most latest version Sberbank Online application to set up Apple Pay. Below you will see a detailed video instruction on how to connect a Sberbank card to Apple Pay:
Apple Pay
Apple Pay is a mobile payment system for iPhone smartphones. Works only on modern models. Full support starts with iPhone 6. iPhone 5, 5S, and 5C are partially supported and only work with Apple Pay in conjunction with the Apple Watch. The system is sometimes called iPhone Pay but this is a misnomer. The system works with iPhone smartphones, but it is supported by other Apple devices as well.
In Russia, the system works only with Sberbank. Only MasterCard cards are supported. A number of Russian banks - VTB, Raiffeisen, Russian Standard and some others are negotiating to connect to the system. It is expected that in 2017 more banks will connect to the system, as well as support for Visa cards.
You can find out more about how to add your card, how to make payments and other information from the article:.
Samsung Pay is the main competitor for Apple Pay. In Russia, the Samsung Pay system appeared a month earlier than its counterpart from Apple. The principle of operation is similar - you need to add your card to your phone. The addition takes place through the "Samsung Pay" application. The following models are supported:
- Galaxy S6 / S6 edge / S6 edge +;
- Galaxy S7 / S7 edge;
- Galaxy A5 (2016) / A7 (2016);
- Galaxy Note5;
It is expected that with the development of technology, we will see Samsung Pay even in cheap models. So far, the technology is only available in flagship phones. Required condition not only an NFC chip, but also a fingerprint scanner. Payment is authorized thanks to your fingerprint.
An interesting fact is that Samsung Pay is supported by many more Russian banks, but Sberbank is not among them. You can use the system if you have a suitable smartphone model and have a card from one of the following banks:
- VTB 24 ;
- Alfa Bank;
- MTS Bank;
- Russian Standard Bank;
- Yandex LLC;
- Raiffeisen Bank;
Samsung Pay openly declares that it hopes to connect support for Sberbank cards by the end of this year. You can use either a fingerprint or a standard PIN to confirm the payment.
Differences between payment systems and applications
The biggest difference is the supported cards. Apps only work with virtual cards. You cannot link your real card to Wallet, Alpha-touch and others applications. Your virtual card may be linked to your real bank account, but Apple Pay and Samsung Pay mobile payment systems allow you to link your real card to your phone.
Phone payment apps have an important advantage. They are supported by a much larger list of devices. They do not require a fingerprint scanner and work even on older models. The main requirement for applications is the presence of an NFC chip. But such versatility is a plus only on the one hand. On the other hand, this is a disadvantage for the security of payments.
Mobile payment systems identify the owner by fingerprint. Apps ask for a password, and small purchases can be made without it. It turns out that hackers can use your phone with the application, and therefore the card. They don't even need to know the password if you set up payments for purchases up to RUB 1,000 without entering a PIN.
Samsung Pay and Apple Pay can also be blamed for security concerns. To use these systems, you must provide all your card details. If this data is stolen, you will lose the privacy of the data. a real card rather than virtual. To prevent data theft, "tokenization" is used. When paying, your phone does not transmit the real data of your card. A randomly generated digital code is used - a token. But the real card data is still stored on the company's servers, so there is a real chance of losing it.
Samsung has gone even further. To protect their payment system, they protect the smartphones themselves as much as possible. For this, the KNOX security system has been developed. At using Samsung Pay, be sure to connect the KNOX system. It is not just an antivirus, it is an intelligent system that continuously monitors your phone and prevents any malicious activity.
Hello!
Sberbank has one very convenient function called NFC- contactless payment using a smartphone, with which you can pay for purchases in the store and on the Internet.
This technology is very convenient to use, for this you need:
- add a Sberbank bank card to a special mobile application Wallet... Mobile applications that support this technology: Android Pay, Apple Pay and Samsung Pay.
- after adding the card to the application, the program issues a virtual number called token or DPAN... It does not have to match the bank card number, but its online pin code is the same as that of a bank card linked to NFC. Thanks to this token, contactless payments are made.
- to add a card in the application, you must specify: name of the card holder, card number, card expiration date, security code. Or add a card to mobile application Sberbank Online.
Which cards support contactless payment?
To make such a payment, the terminals must have icons: Visa PayWave, MasterCard payPass or NFC.
For example, consider how to add a bank card to Android Pay:
- Open Android app Pay
- Add a screen unlock pin or fingerprint to confirm contactless purchases.
- Click on "Add".
- Enter data or take a photo of the map.
- Accept Android and bank agreement.
- Click on "SMS" to confirm registration, an SMS with a code will be sent to your phone.
How to make a contactless card through the Sberbank Online application?
- Find desired card, under the card there will be "Contactless payment".
- Add to Android Pay. There you can read in more detail about this technology.
- When the card is successfully added to Wallet, a connection message will be displayed.
How do I remove a card from the Wallet app?
- You need to go to the Wallet application, click on the card in "Details" and delete the card.
- In the main settings in the IPhone, iPad select the card and delete.
- using the portal for Apple ([link] or the Find IPhone application)
I have been paying for purchases for a long time with contactless technology and I can highlight the following pros:
- This is an absolutely safe payment technology, because card data (number, expiration date, security code) are not used or stored, but only a token is used for payment.
- You can use "Thank you from Sberbank" bonuses when paying with Android Pay, Apple Pay and Samsung Pay.
- You can add up to 8 cards in Apple Wallet, and up to 10 cards in SamsungPay.
- There is no fee for this service, everything is free.
I hope my review was helpful to you!
Thank you for your attention, see you soon!
applications "Wallet" for payment of purchases using contactless technologyMasterCard® at the touch of a smartphone - previously, the application was distributed exclusively through presets. The cloud beta version of the Wallet app is called Wallet. Bank cards "and makes available the issue of contactless MasterCard cards three banks on more than 100 Android smartphones, including Samsung, Htc, Lg, Nexus,Sony, Huawei, Oneplus... The potential audience of the application is estimated at 15 million Russians *.To start paying for purchases with a smartphone, the owner of a phone with the Android operating system version 4.4 and higher only needs to download the application “Wallet. Bank Cards ”, choose a MasterCard card from any of the banks available in the application and fill in the required fields of the questionnaire. After that, the map will be remotely downloaded to the smartphone within a few minutes. The MasterCard mobile card can be used to pay for purchases with one touch in all shops that accept contactless cards, as well as on the Internet.
The user of the "Wallet" does not have to be a client of the bank or visit bank branch: prepaid bank cards available in the application Tinkoff Bank and Russian Standard can be issued by any resident of Russia over 18 years old. The balance of such a card will need to be replenished before using it - in the application itself using another bank card or through the services of the banks themselves. In the "Wallet" you can also issue additional card to an existing bank account: there is no need to deposit funds to such a mobile card; when making a payment, the money is immediately debited from the client's bank account. The card to the existing account is still available only for the clients of Bank Saint Petersburg.
The launch of the beta version of the application in Google.Play became possible thanks to the СBPP (Cloud-Based Payments Platform) platform, implemented using MasterCard technology. Based on HCE (Host-based Card Emulation) technology, the platform allows you to safely issue and use MasterCard mobile cards on all mobile phones with Android 4.4 KitKat or higher and NFC module. Previously, the Wallet application was pre-installed on a number of HTC, Sony and Philips phone models with an NFC module and a built-in security chip.
Mobile MasterCard cards in Wallet retain the advantages of a contactless plastic card, providing an opportunity to leave the house with one smartphone in hand. The user can pay for his first purchase by touching the phone at the checkout immediately after the card is issued, if there are funds on it.
Mobile cards MasterCard PayPass Like other contactless devices, you can pay in shops, in parking lots, in transport - for example, pay for travel at Aeroexpress trains, purchase tickets from the Moscow metro ticket machines and top up the Troika card, pay for travel at turnstiles at all metro stations in St. Petersburg, a trip by ground transport on a number of routes in Moscow and the northern capital, etc.
A complete list of phones on which the application “Wallet. Bank cards ", as well as learn more about contactless mobile card MasterCard is available on a special MasterCard website dedicated to mobile NFC payments http://nfc.mastercard.ru.
* Estimated by CardsMobile based on statistics on the penetration of smartphones into the Russian market and the share of phones with Android OS and a built-in NFC module.
+7-911-132-24-53
MasterCard (NYSE: MA) www.mastercard.com is a technology company operating in the global payments industry. We operate the world's fastest payment processing network that connects consumers, financial institutions, trade organizations, government and business structures in more than 210 countries and territories. MasterCard products and solutions make it easier, safer and more efficient to handle everyday tasks such as shopping, traveling, doing business and managing finances. Follow us on Twitter
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 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 - owners of credit and debit cards MasterCard. 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 payment card».
- 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 be sent 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 same 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 can already 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 itself payment service... 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, which is located on the side just below the Digital Crown, decide on 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 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 information for committing fraudulent actions by third parties.