How to remove a Sberbank card from Apple Pay. Apple Pay in Russia: how to connect, where and how to pay. Which stores are already working with Apple Pay?
Apple jointly with Sberbank introduced Apple Pay in Russia
09/14/17 at 03:11
If you have a Sberbank debit card, then you are one of the first to use the Apple Pay payment system.
What is Apple Pay?
- Apple Pay is a one-touch payment system. First you connect your debit or credit card in Apple Wallet and when paying in a store, you just need to bring your iPhone to the reader while keeping your finger on the Home button. The money will be instantly read from your previously connected card.
How to connect Apple Pay with Sberbank?
Follow the instructions in the video below or on the Sberbank website.
Which Sberbank cards are suitable?
– Debit: World MasterCard Elite Sberbank 1, MasterCard World Black Edition Premier, World MasterCard "Gold", MasterCard Platinum, MasterCard Gold, MasterCard Standard, MasterCard Standard Contactless, MasterCard Standard with individual design, Youth card MasterCard Standard, Youth card MasterCard Standard with individual design, Momentum (which belongs to MasterCard Standard cards).
– Credit: MasterCard Gold, MasterCard Standard, Youth MasterCard Standard.
On this moment Visa cards are not supported. In addition, the card must be plastic, not virtual.
Do I need an internet connection at the time of payment?
- No, at the time of payment, interaction occurs between your iPhone and the reader via NFC.
Which iPhone models work with Apple Pay?
- iPhone SE, 6, 6 Plus, 6S, 6S Plus, 7, 7 Plus models support Apple Pay. If you have an iPhone 5, 5C, 5S, then you can only get Apple Pay if you have an Apple Watch.
Why doesn't the iPhone 5S support Apple Pay?
- There are two reasons for this: 1. iPhone 5S (5, 5C) does not have a built-in NFC chip, which is responsible for contactless data transfer. 2. Some experts argue that during a payment, the iPhone generates a temporary code and the system for generating such a code is available only in newer iPhone models (for example, in the iPhone SE).
IPhone 5S (5, 5C) 1st, 2nd generation owners to receive Apple Pay support.
Can i use Apple Pay with iPad?
- It is possible, but only with those models that have a fingerprint sensor. Supported models: Pro 12.9 ”, iPad Pro 9.7”, iPad Air 2, iPad mini 4, iPad mini 3.
How do I know if a store accepts Apple Pay?
- Look for a special icon on the payment terminal contactless payment or support Pay.
Which stores are already working with Apple Pay?
- At the moment, the list of official points where you can already use Apple Pay is as follows: Azbuka Vkusa, ATAK, Auchan, M.Video, Magnit, TSUM, BP, MediaMarkt, re: Store, Burger king... Eldorado will be connected soon.
Can I use Apple Pay to pay at online stores?
- Yes. In fact, Apple Pay is no different from usual plastic card, just instead of entering the card code "the old fashioned way", you just need to press 1 button. On the site, this should be a special button on which it says "Buy with Pay", after clicking on which your iOS device will ask you to touch the "home" button. And unlike many other electronic payment systems, Apple Pay does not require account registration.
Alternatively, you can use Apple Pay in-app if they provide a service and support Apple Pay.
Is it safe to use Apple Pay? What if my iPhone is stolen?
- Since your iPhone is configured for your fingerprint, no one can use it except you. When you pay for purchases, your iPhone generates a unique identification number and transaction code, which is then not stored anywhere. Your card number is not saved on the iPhone and is not stored on Apple servers, it is also not transmitted to the merchant during payment, only a temporary, generated number that "represents" you is transmitted. Apple Pay will not store any information about your purchases that can be "tracked". But the history of your last purchases will be stored in the Wallet app without going anywhere. But if the iPhone is stolen, you need to do it. It also costs advance, which enables attackers to send your money to their account.
How many credit cards can I add to Apple Pay?
- Presently maximum amount: 8. In the settings you can choose one of them as the default map.
How to quickly open Wallet access with Apple Pay?
- When you are ready to pay with Apple Pay with your iPhone off, press the Home button 2 times. Or just bring it to the terminal when the cashier asks to pay, the Apple Pay payment window will appear automatically.
How do I cancel an Apple Pay payment?
1. Inform the seller that you intend to cancel the purchase and show the receipt (inside the Wallet app) so they can begin the refund process.
2. When they are ready, you can bring your iPhone and log in with your Apple ID, just like you made a purchase.
If this method is not possible, there is an alternative:
1. Launch the Wallet application and select the card with which the payment was made
2. Click on the information button (bottom right)
3. Tell the seller the last 4 digits of your (Device Account Number), located on the bottom right. Do not confuse these 4 digits with your number. plastic card, they are different, but "represent" your map.
Some sellers may ask for your Transaction ID, especially if it was a large purchase. But this corresponds to the return procedure, as if you made a purchase with a plastic card. 
You need to correctly and quickly connect Apple Pay to Visa card Sberbank of the Russian Federation? This article will help resolve this issue.
What is Apple Pay?
Payment system Apple Pay is a product of Apple Corporation. It is one of the most confidential, secure and convenient ways payment for services and goods, which is available to all users of devices running on such operating systems as macOS and iOS.Why Apple Pay will be popular payment system? First of all, because its work is based on complete confidentiality and security. Just add a debit or credit card to Apple Pay. In this case, the user's card number will not be stored on Apple servers or on an Apple device.
When you connect to Apple Pay, you can make purchases in apps, stores, and online very easily. All you need to do is touch your finger to the Touch ID, which is available on your Apple device.
Before installing Apple Pay on your smartphone, you first need to know what devices it will work on.
What devices does apple pay work on?
Apple Pay can be connected to the following devices:- iPhone 6 with Touch ID
- Apple Watch (go to the store or download the application);
- iPad Pro, iPad Air 2, iPad mini 3 and newer (go to the store or download the app);
- Mac in Safari.
How to connect Apple Pay Sberbank?
To set up Apple Pay correctly and quickly, your device must have a Touch ID fingerprint reader. In addition, this device must be logged into the iCloud service.Important: it is not possible to set up Apple Pay without Internet access. Also, you can connect to Apple Pay Sberbank, you need to add your card to the Wallet application using your Apple device. By the way, you can connect absolutely any Sberbank card like MasterCard.
How to link a Sberbank MasterCard card to Apple Pay through the Sberbank Online application (Video)
Connecting Apple Pay on iPhone
How to connect Apple Pay on iPhone in three steps?
- Open the Wallet app.
- Click on the plus sign in the upper right corner.
- To add a debit or credit card associated with account in iTunes, you need to enter the security code for the card you want to add. It is also possible to add a card by entering its data using a video camera. To do this, select "Add another card".
Connecting Apple Pay on Apple Watch
- Launch the Sberbank Online application on the iPhone.
- Go to the map Sberbank MasterCard, then click the button "Connect on Apple Watch" and "Connect Apple Pay".
- Then on Apple Watch, according to the instructions, you need to add the card to the Wallet application. To do this, you do not need personal data, codes from SMS or scan a bank card at all.
- When the connection is made, the status of the card on the page of the Sberbank Online application should change.
How do I connect Apple Pay on Apple Watch in a different way?
- Open the Apple Watch app on your iPhone.
- Place your finger on Wallet & Apple Pay and select Add Credit or debit card».
- To add a credit or debit card that is linked to iTunes, you need to enter the security code of the card you want to attach. Also, as an option, you can select "Add another card" and use the camera to enter the data of the card that you want to attach to the Apple Pay.
Connecting Apple Pay on iPad
- Go to “Settings”.
- Then you need to select "Wallet and Apple Pay" and then click "Add credit or debit card".
- For adding desired card you must enter its security code. Or, alternatively, select "Add another card" and maintain the card data using video.
Important: The iCloud Internet service is an Apple product. To enter this service, you need to select "Settings" on your device and then add a unique Apple ID.
What is the correct way to pay for goods and services with Apple Pay?
How to pay for a product or service using an iPhone?
To pay for purchases in the store, you need to bring your iPhone to the terminal and put your finger on Touch ID. And as soon as authorization takes place (fingerprint recognition), payment for the purchased goods will occur. The terminal must provide confirmation of successful payment. Do not be lazy and make sure that the payment actually took place.How to pay for purchases with Apple Pay (Video)
Important: For payments over 1 thousand rubles, the seller may ask you to enter the PIN-code of the Sberbank card in the terminal.
How do I pay for a product or service in a store with Apple Watch?
How to pay for goods on mobile applications and on the Internet using apple pay?
- After placing an order, you need to find the Apple Pay icon.
- Once found, tap it to verify your contact details as well as your payment.
- Press with your finger on Touch ID to complete the purchase. Also, a purchase can be made by double-clicking on the Apple Watch button on the side. The screen should light up the inscription "Done" along with a check mark. This means successful payment.
Now you don't have to carry a bunch of cards with you in your wallet - all your cards can be stored in your smartphone and you can pay for purchases with one touch.
Apple Pay is a convenient, secure and confidential way to pay for purchases, available to users devices running iOS and macOS (iPhone, iPad, Apple Watch, Mac).
Security and privacy are at the core of Apple Pay. When you add a credit or debit card to Apple Pay, the card number itself is not stored on the device or on Apple's servers.
Apple Pay makes it easy to shop in stores, apps, and websites with just a tap of your finger on Touch ID on your device.
How to connect Apple Pay Sberbank
- You must of course have one of the Apple devices (iPhone SE, iPhone 6 and newer, and Apple Watch.)
- Device must have Touch ID connected and signed in to iCloud
- You must have a card or Mastercard of Sberbank
- Go to and activate Apple Pay
Video instructions for connecting via Sberbank Online
Please note that you need an internet connection to set up Apple Pay.
To connect Apple Pay, you need to add a Sberbank card to the Wallet application on your device:
How to connect Apple Pay Sberbank on iPhone
- Open the Sberbank Online application.
- Go to the card page, click on the "Connect Apple Pay" or "Connect on iPhone" button.
- Follow the instructions to add the card to the Wallet app on your iPhone. You do not need to scan a bank card and enter codes from SMS and personal data.
- After connecting, the status of the card on home page Sberbank Online applications will change.
- Make sure your card is connected
- Open the Wallet app.
- Tap the plus sign in the upper right corner.
- To add a credit or debit card associated with your iTunes account, enter the security code for that card. Or select "Add another card" and use the camera to enter the card details.
Pay for purchases with with Apple Pay can be anywhere where contactless payment with Sberbank cards is provided, as well as in mobile applications and on the Internet - where there is a button "Buy with Apple Pay" or Apple Pay in the list available ways payment.
Unlike technology for Apple work Pay does not require an internet connection to pay. Because your smartphone communicates with the terminal via NFC technology. The service is provided free of charge.
Where can i pay with Apple Pay?
You can pay with Apple Pay in the same places where payment with a contactless Sberbank card is supported, as well as in mobile applications and on the Internet - where there is a Buy with Apple Pay button.
How to pay with Apple Pay
In order to pay for a purchase in a store, bring your iPhone smartphone to the terminal with your finger attached to Touch ID. After the phone recognizes your fingerprint, the payment will be processed. The terminal will inform you about successful payment.
What are the limits for Apple Pay
Purchases up to 1000 rubles are paid by simply attaching the device to the terminal. If the purchase amount exceeds the amount of 1000 rubles, then you will need to confirm the payment by entering the PIN code in the terminal.
Important! Prevent anyone, including your family members, from enrolling your fingerprints with your Apple Pay device.
The contactless payment system from the American company Apple was introduced to users back in 2014. It appeared in Russia in 2016, and Sberbank became one of the first financial institutions to offer its clients a high-tech payment method. New system turned out to be in great demand. Let's try to figure out how to connect to Apple Pay with Visa from Sberbank.
What is Apple Pay
Apple Pay is a contactless payment system using Apple mobile devices instead of the usual bank cards. It allows you to quickly and conveniently pay for purchases both in regular retail and online stores using a non-cash method. Apple Pay devices are compatible with all modern contactless readers - PayPass, payWave, and Express Day.
As the basis of the system, the developers took the technology of close contactless information transfer NFC (up to 20 cm), which works with the Secure Element chip to securely store user data in encrypted form. This chip acts as a dedicated memory, does not depend on system storage devices and contains encrypted user data used in making payments. The Secure Element does not store bank card details, but a special encrypted token with unique number, which is used to identify the client and his bank account when making non-cash payments.
Benefits of one-touch payments
The main advantages of the Apple Pay contactless payment system are the following:
- There is no need to carry a pack of bank cards with you. They can be linked to your mobile device.
- Smartphone is always at hand. When paying for a purchase at the checkout of the store, you do not need to take out your wallet - you just need to bring your mobile device to the terminal and wait for a sound signal.
- For purchases in online stores, you do not need to enter your bank card details.
- The Wallet application on a mobile device is accessed via Touch ID using the user's fingerprint, so if the smartphone is stolen, it will be difficult for attackers to break into its protection.
Despite the developer's wide popularity, the Apple Pay system has not been without serious flaws that can cause inconvenience to the user:
- If the device battery is completely discharged or damaged, you will no longer be able to access your bank accounts. This situation can cause serious problems if you are in another city or foreign country. Therefore, it is too early to completely abandon the use of bank cards, you should always have a spare payment instrument with you for unforeseen cases.
- Sberbank's ATMs and terminals do not support Apple Pay today, so a smartphone will not help if you need cash. In order to use the self-service machine, you need a bank card.
Apple Pay compatible mobile devices
To connect seamlessly to Sberbank Apple Pay Visa or MasterCard, you must use a compatible device. Today these are:
- Smartphones iPhone 6, 7, 8 series, as well as X and SE.
- Tablet computers iPad 5th generation, Pro, Air 2, mini 3 and 4.
- Smart watches Apple Watch 1, 2 and 3 series.
- MacBook Pro desktops with Touch ID fingerprint sensor and Safari browser. Mac computers released in 2012 and later can only be used with a smartphone.
Compatible cards
To use Apple Pay, not any bank card is suitable, you need to get plastic compatible with the system. The category of the payment instrument does not matter. A bank card can be classic, gold or premium. The payment system plays a decisive role.
Apple Pay is only compatible with payment instruments Visa and MasterCard.
Plastic with logo Russian system You won't be able to connect "MIR". Therefore, for the use of "apple" mobile devices for the implementation of contactless cashless payments you need to issue any debit or credit card, including Momentum, with the MasterCard or Visa logos.
Service cost
Apple Pay services are free for users. There are no commission fees for operations performed or for connection. To gain access to the functionality of the system, you need to spend only on the purchase of an Apple mobile device, as well as pay annual maintenance linked bank card in accordance with the current tariffs of the bank.
Linking a card to a device
Before connecting Apple Pay with Visa from Sberbank, you must select a device that will be used for contactless payments, and independently perform the necessary manipulations to link a bank card. Whichever gadget you choose, you must have an Apple smartphone in your hands, since it is he who plays the main role in the operation of the system.
To iPhone smartphone
To link a Sberbank card to an iPhone smartphone, you can use the Sberbank Online application or Wallet, which should be installed on your device by default.
Through Sberbank Online
To link a card to Apple Pay using mobile app Sberbank must have a valid account in the remote customer service "Sberbank Online". The app can be downloaded and installed from the iTunes store. To start the process of attaching a payment instrument:
Your smartphone and bank card are now ready for use with Apple Pay. 
Via Wallet
Before setting up Apple Pay from Sberbank through the Wallet app, you need to activate Touch ID and sign in to iCloud. Then executed next order actions:
- Launch the Wallet app and select the Add Card option.
- Enter the bank card number manually or take a photo of its front side.
- Using the letters of the Latin alphabet, enter your first and last name - as they appear on the card itself.
- Indicate the expiration date of the plastic and the three-digit security code printed on the back.
- Accept the terms of the user agreement - "I Accept".
- To confirm actions, use a one-time SMS code from the bank. To get it, click "Next".
The message will come within a few seconds. Immediately enter the received code in the appropriate field. 
If all manipulations are performed correctly, the message "Card is activated" will appear on the smartphone monitor. 
To Apple Watch
You do not need to install any application to link your bank card to your Apple Watch, but you need an iPhone 5 series or later smartphone to complete this operation. First, you need to link the card to your smartphone using one of the methods described above, then launch the Apple Watch application on the iPhone and go to the "My Watch" tab. If you have several clocks, the system will offer to choose one. 
Press the "Wallet and Apple Pay" button and you will see the card linked to your smartphone on the monitor. To attach it to your watch:
Upon successful completion of the binding, the message "Card is activated" should appear. 
To iPad
To link a bank card to tablet computer iPad use of a smartphone is not required. It is enough to perform an algorithm of actions similar to that described above:
- From the device menu, open the Settings section and tap Wallet & Apple Pay.
- Select the "Add payment card" option.
- Enter your plastic details and security code.
- Enter the one-time SMS-code received from the bank.
To Mac
If your Mac desktop doesn't have a Touch ID sensor, you won't be able to connect your bank card to it. In this case, to make online payments via the Internet, you need to use a smartphone in conjunction with a computer. To do this, in the settings of your iPhone mobile device, select "Wallet and Apple Pay" and activate the option "Pay on Mac".
To connect a bank card to a MacBook Pro desktop with a Touch ID sensor:
- Find System Preferences in your computer menu and turn on Wallet & Apple Pay.
- Click "Add Card".
- Enter the details and security code of the plastic.
- Accept the terms of the user agreement.
- Enter the SMS code sent from the bank to your mobile phone.
How to pay for purchases with Apple Pay
Despite the compatibility of the system with several types of devices, each of them is suitable only for certain types of payments. To pay for purchases via Sberbank Apple Pay MasterCard or Visa in retail stores, you can use only smartphones and smart watches, while iPads and Mac desktops are suitable for online transactions.
In retail stores
One-touch payment using a smartphone or Apple smart watch is possible only in stores equipped with terminals for accepting contactless payments. The presence of such devices is indicated by special icons near the cash register. 
Nowadays it will not be difficult to find such a point of sale. Most modern terminals accept both contact and contactless payments.
Using an iPhone smartphone
For contactless payment of goods using an iPhone, you need an active Touch ID and an iCloud login. Tell the cashier about your intention to pay for the purchase by bank transfer. Place your finger on Touch ID and bring the device close to the terminal. 
A successful message should appear on the terminal monitor. 
Using Apple Watch
When using your smartwatch to make a payment:
Via iPad
For iPad users, purchases are only available at online stores that support Apple Pay. The list of payment methods must contain the system logo. When placing an order for the selected item, click Buy with Apple Pay. 
To confirm the operation, place your finger on Touch ID on the device monitor. 
Using smartphone and desktop
As mentioned, you can shop online with a Mac, but you also need to use an iPhone. This is done as follows:
Using a MacBook
Since your MacBook has a fingerprint reader, you don't need to use a smartphone. To confirm the operation, just put your finger on the Touch ID sensor on the desktop itself. 
Is an internet connection required when making a payment
Connecting the device to the Internet when conducting payment transactions only necessary if you are using an iPad, Mac and MacBook computers as they are only suitable for online purchases. No WAN is required to pay for goods in retail stores using iPhone and Apple Watch. The encrypted token of the card is located in a secure chip Secure Element and is read in a contactless way. Communication with the bank is carried out through the terminal of the store.
Alternative payment system
The Apple Pay payment system, available only to owners of Apple devices, is not the only one of its kind. Its main competitor is Samsung Pay owned by the eponymous global electronics manufacturer. Everything bank cards Sberbank compatible with Apple Pay are also suitable for linking to Samsung mobile devices. For information on how to access contactless payments from a Korean developer, read the article "Samsung Pay Visa from Sberbank".
Apple Pay in Russia! We test, understand: Video
Apple Pay is a convenient mobile service, the connection of which raises many questions among modern users. But if you approach the solution of the problem correctly, there will be no problems. How do I connect Apple Pay? Sberbank offers all its customers working with Apple devices, a similar service... The instructions we have studied will help bring the idea to life. In reality, everything is much simpler than it seems initially, and therefore let's go directly to the instructions.
Preliminary preparation
How do I connect Apple Pay? Sberbank was one of the first in Russia to offer such an option. It is on the example of this financial institution we will consider the process.
Before connecting, you need to prepare. Necessary:
- turn on the Touch ID scanner (if it is not there, Apple Pay will not work);
- sign up for iCloud and activate the cloud service;
- acquire by MasterCard from Sberbank;
- add plastic to Wallet on the device.
Perhaps that's all. Now let's try to understand from Sberbank. It all depends on what kind of device we are dealing with.
IPhone
Let's start with the simplest and most common - the "apple" smartphone. The iPhone is used very often in practice. Many modern people work with these devices.
How to connect Apple Pay from Sberbank? This will require:
- Register with Sberbank Online. Temporary data for entering the service can be obtained from an ATM ("Other services" - "Sberbank Online" - "One-time login and password"). It is also suggested to register here.
- Log in to the system.
- Click on the image of your plastic - the one to which Apple Pay connects.
- Click on the line "Connect to iPhone".
- Follow the instructions on the screen. Usually you need to add a card to Apple Pay by clicking on the appropriate menu item. The name and surname of the citizen are indicated and the terms of the agreement are accepted.
Ready! If everything is done correctly, a message will appear on the screen indicating that the card was successfully added to Apple Pay. Sberbank Online must be opened directly on the phone. Otherwise, it will be extremely problematic to bring the idea to life. It is this option that is used most often. Setting up Apple Pay with Wallet isn't that popular. Therefore, we will not talk about it.
Apple Watch
Better consider possible options with other Apple devices. Today, devices like Apple Watch are used more and more often. They also have Apple Pay. Sberbank offers activation of the option even on such watches.
You can either use the previously proposed instructions, or go the other way. More precisely, you will have to:
- Open the application on the iPhone
- Click on "Wallet and Apple Pay".
- Click on "Add ...".
- Specify the type of card.
- Enter the requested data.
That's all. As soon as the actions taken are behind, Apple Pay will be connected to Apple Watch.
iPad and service
How to connect Apple Pay ( Sberbank Visa)? This is done in exactly the same way as we have already said. The service under study also works on the iPad.
Unfortunately, you won't be able to connect it through Sberbank Online. We'll have to act differently. How exactly?
How to connect Apple Sberbank Pay on an iPad? The following type of guide will solve the problem:
- Go to device settings.
- Click on "Wallet and Apple Pay".
- Click on "Add card".
- Enter the details of the plastic.
- Confirm the operation.
After the steps taken, Apple Pay will be activated on the iPad. The procedure will take only a few minutes. The main thing is to follow the instructions on the screen of the device. They are extremely simple and straightforward.
Usage
We found out how to connect Apple Pay of Sberbank on iPhone. How can I use this application now?
They usually act like this:
- Bring your phone to the payment terminal.
- Place your finger on the fingerprint scanner.
- Wait for a special sound signal. A slight vibration will appear along with it. It means successful processing of the request.
- Remove the phone.
Thanks to this article, you now know how to connect Apple Pay from Sberbank to one or another Apple device. The instructions work 100%.