Book of income and expenses / 03.03.2020

Sberbank contactless payments via phone. How to pay with a phone instead of a Sberbank card: an application for Android and iPhone. Which phones support contactless payment

Smartphones continue to grow with new data transfer standards. Even those who do not use now know what Wi-FI and Bluetooth are modern technologies in full force. But the abbreviation NFC is new to many. Meanwhile, it is a very curious and promising technology.

NFC stands for "near field communication" or "near field communication". Why is that? Because this method of communication only works if you bring the devices very close to each other. For comparison, the range of a standard cell tower is about 35 kilometers, Wi-Fi can work within a radius of up to 100 meters, and Bluetooth can generally lose connection at a distance of more than 10-15 meters. So why did they come up with NFC with a range of only a few centimeters? We will find out below.

Another noticeable difference between NFC and the same Wi-Fi or Bluetooth is that to establish a connection, you do not need to go to the menu, specify the device and enter the password. The exchange of information begins immediately after the two devices are close to each other. Provided, of course, that NFC itself and the exchange option are enabled in the smartphone settings.

For what purposes did you come up with NFC? Primarily for simple file exchange between two devices. For example, to send a photo from one smartphone to another. The file can be sent via the Internet or via bluetooth, but in both cases, you need to do several steps. With NFC, you just need to bring one smartphone to the other, and they will establish a connection with each other.

In addition to file sharing, NFC can be used to pay for goods and services. Do you know about the existence of contactless payment technologies MasterCard PayPass and Visa Paywave? These are special bank cards that allow you to pay by presenting the card to the payment terminal. There is no need to insert the card into the slot, the reading takes place via NFC. This card has a memory card that encrypts your bank account information. The same principle applies to BSK - contactless cards that people use to pay for travel in urban modes of transport.

It is logical to assume that payment data can be encrypted in a smartphone as well. And then pay for goods and services by presenting the phone to the terminal. There is such an opportunity, and recently it has been working in Russia as well. For these purposes, we have developed the "Wallet" application. General order the steps to activate the ability to pay with a smartphone will be as follows:

Install the application (it is free, no restrictions and no ads); - we launch it and register a virtual bank card for ourselves by specifying payment code; - we throw money on this card; - to pay, we launch the application, enter the payment code, select desired card and bring the smartphone close to the payment terminal;

What are the advantages of being able to pay with a smartphone?

You can have many cards of different banks, but all these cards will be stored in the memory of one smartphone.
In addition to bank cards, you can add cards to the application to pay for travel in public transport. The principle of operation is the same. In the full version of the Wallet application, you can already pay for transport in Angarsk, Vologda and Yekaterinburg, and soon it will be possible in Moscow and St. Petersburg.
All variants of client cards can also be entered there: bonus, accumulative, discount, gift. And throw out the accumulated mountain plastic cards from different establishments.
To issue a card, you do not need to go to the bank and conclude an agreement. Everything is done in a few minutes right through your smartphone.
This option for storing payment data can be considered safer than a real plastic card. After losing "plastic" you run the risk of losing money on your account. The content of the "Wallet" application is protected at least by a payment password, and you can also set a password to unlock your smartphone.
Anyway, it's cool and modern!

The application has one feature. It lies in the fact that a full-fledged payment option is implemented only on those smartphones in which, in addition to NFC, a Secure Element chip with full access is installed. And only some models of HTC, Sony and Phillips have such, and in them the application is already preinstalled, or it will be installed along with the update of the operating system. For other smartphones, the payment function will only work with constant Internet access. But all the advantages of contactless payment technology still remain, except for paying for transport fares.

I took part in testing this technology and the Wallet application. I have a Samsung Note 3 smartphone with built-in NFC, but this model is not yet on the list of compatible for the full version of the application. This means that I will need to install a "cloud" version of the program that works with Internet access. Soon it will appear on Google Play and Apple iTunes, in the meantime, they send me "Wallet" as a file for installation.

After installing the application, the Cardsmobile Cloud Payments shortcut appears on the smartphone. Launch, and we see the following sequence of pictures:

In the last screenshot, the application shows a screen where you can see a list of cards registered to your wallet. In this case, there are no cards. Therefore, on this screen, you can view help information about the application and how to work with it. To make it possible to pay for purchases with a smartphone, you need to issue a virtual card. To do this, click the "plus" in the upper right corner, fill out a small questionnaire (name, date of birth, code word, address Email and mobile phone number). Click further, after which the registration process starts bank card and submitting it to the application server.

After the application is approved by the bank and the virtual card is issued, its image appears in the main window of the application. Also, the notification about the issue of the card is received by two SMS-kami. The first contains all the card details, including the CVC2-code, and the second contains the PIN-code. It is better to delete both SMS-ki, having previously memorized the pin-code, which is needed only to pay for purchases in excess of 1,500 rubles.

Now on your account in the "Wallet" application there is a virtual card with a real bank account... And this account is empty. The balance of the card can always be seen if you select the card and press the "Balance" button. To make it possible to pay for purchases with this card, you need to replenish it. You can also do this directly from the application. To do this, select a virtual card, and click the "Replenish" button. Replenishment is possible in several ways. If you already have a MasterCard PayPass or Visa Paywave card, then you just need to enter the transfer amount, bring the card to your smartphone and confirm the transfer. If you have a regular bank card, you can enter its details manually or scan them through the camera built into your smartphone. Correct recognition of details depends on the picture on the card.

After the money is credited to the card, you can enjoy the benefits of contactless payment with a smartphone. To do this, you need to launch the application, select a card, click the "Activate" button, enter a 4-character payment password, wait until the terminal is ready to withdraw money and put your smartphone to the payment terminal. Everything should work out if the terminal supports payment with contactless cards and your smartphone has and is enabled NFC. If the amount of purchases is less than 1,500 rubles, then you do not even need to enter a PIN.

I tried this payment method in practice. And you know what? It's worth trying, if only to observe the reactions of cashiers and people in line. Many do not know about contactless bank cards, and even more so about the possibility of paying with a smartphone via NFC. This process looks very curious from the outside. Every time I am bombarded with questions like “How does it work?”, “How does the money get there?”, “And if the smartphone is stolen?”. By the way, about the theft of a smartphone. Virtual card protected by a payment password, without which the payment cannot be made. But even if we assume that the smartphone was stolen and they know the payment password, then you can contact the bank to block the card and cancel the operation, if there was one.

It may seem that this is not the most convenient way to pay off. But it has its advantages. Free card issuance, maintenance without annual payment, the ability to store all cards in the smartphone's memory. V this moment in the application, you can issue a card of only one bank - Russian Standard, and in the full version also Tinkoff. But the company is in talks with other banks, and soon this list will be replenished.

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Sberbank Online application - no queues

Sberbank is the largest Russian bank: for example, the bank's share in the private deposit market as of January 1 of this year was 46%. Sberbank cards are used by tens of millions of Russians, even if someone had no choice: many organizations are payroll clients of this bank. It is customary to scold Sberbank for queues, technological backwardness, poor service, bureaucracy, and so on. However, it is impossible not to admit the fact that for last years the situation is changing for the better. Bank branches are being rebuilt - for example, a new branch has opened not far from my house, where several dozen specialists are engaged in reception of the population, the number of simultaneously working windows reaches twenty, and in a separate zone there are about ten ATMs.

Technological progress has not bypassed Sberbank: a few years ago, the bank launched mobile app"Sberbank Online". During this period, the number of its users has exceeded 14.5 million - according to this indicator, competitors are unattainable. What about its functionality? This is what I will try to find out on the example of the Android version of the application. It should be said that the program is also available for devices based on iOS and Windows Phone, there is even a version for watches. Apple Watch.

I would like to note right away that Sberbank Online will operate in a limited mode on phones with root access: payments for services and external transfers can only be made according to pre-created templates. As stated in the description of the application, Sberbank cannot guarantee a sufficient level of security for payments and transfers to arbitrary recipients from such devices.

Antivirus protection is built into the application - before the first launch, the phone is scanned for viruses. If problems are found, a list of found threats is displayed on the screen. If you do not agree with the proposed actions - for example, removing detected viruses - Sberbank Online will operate in limited functionality mode. Built-in antivirus is a good thing, but, as they say, there are nuances. For example, in my case, the application mistook the WisePilot navigation application, which is installed by Sony on Xperia smartphones, for a virus. The program had to be removed in order for the mobile bank to work fully.

For the application to work, Sberbank customers must first activate the service " Mobile bank"- this can be done at a bank branch or at an ATM. If you have not previously used Sberbank-Online Internet bank on a computer, you will need to register in the application. The whole process is clearly shown in the following video:

For the first login, you will need to enter the password from the SMS message that comes to the phone number associated with the account. Next, you need to come up with a five-digit digital code, which you will need to enter when entering the application. Without authorization, you can see the addresses of the nearest ATMs and branches on the map, find out their phone number and opening hours. On the "Partners" tab, a list of stores, salons and other organizations that support bonus program"Thanks".

After authorization, the phone immediately receives a corresponding SMS-message, so that in case of an unauthorized entry from another device, you will immediately find out about it. The main page of the mobile app looks like this:

In the center you can see the Sberbank cards you have, their type and the amount of funds on them. Slightly above, you can see the item "My Finance", which is minimized by default. If you expand it, you can view the expenses for the current month, as well as find out the number of "Thank you" bonuses.

A button is hidden in the upper left corner, when you click on it, a pop-up menu appears:

Here you can set an avatar, view the templates you have created, change settings, write or call the bank, change the user, and view messages.

In the settings, you can set a specific payment region. This item only ties the search for service providers to a specific place. Speaking in simple words, management companies, providers and other organizations from other regions will not be shown to a resident of Yekaterinburg. Also in the settings you can enable the display of notifications and offers from Sberbank, view a list of current threats (viruses and the like) and read the user manual. The latter is a PDF-file of 185 (!) Pages.

But back to the main screen. The main functionality of the application is hidden in adjacent tabs, switching between which is carried out by swiping (swiping) the screen, although you can just click on the name of the tab.

Followed by home page The first application is the Payments tab - the quintessence of the Sberbank Online application. Here you can make transfers between your accounts, transfer funds to clients of Sberbank and other banks - both by card number and to the account. If you select the item "Transfer to a client of Sberbank", then the application by default opens a list of your contacts. If a contact has a Sberbank card tied to a phone number on your list, the bank's logo is displayed next to it. Thus, you do not need to know either the card number or the account details in order to send funds to your relative or acquaintance. If the recipient of the payment is not in your contact list, you can simply enter his phone number in the next tab. Using the application, you can ask for money from your friends or colleagues, or you can lend a thousand to your neighbor Vasya yourself before payday.

Of course, you can make a transfer in a more traditional way - enter the recipient's card number. But even here the application can come to the rescue if the plastic card is at your fingertips and you are lazy to enter 16 digits - the card can be scanned using a mobile phone camera. The number will be recognized automatically and entered in the appropriate field. Everything becomes even easier if the bank card supports contactless payment(PayPass or payWave), and your phone has an NFC module - in this case, you just need to put the card to your smartphone and its number will appear in the application. Both methods work flawlessly.

Of course, the Payments tab contains, in fact, the payments themselves, which are divided into five categories: mobile connection, Housing and communal services and home phone, Internet and TV, taxes, fines, traffic police and the last point - the rest.

Sberbank Online allows you to pay commission-free services for more than 30 thousand suppliers, so the chances of doing it quickly and without unnecessary red tape are very high. The application also allows you to create templates for faster payment. typical operations... For those who do not like to manually pay every month utilities, home Internet and the like, you can set up auto payment. For example, there is a function of automatic replenishment of your mobile phone account when the set minimum balance is reached. Auto payment can be tied to a specific date - for example, submit an application to the bank to pay bills for the Internet on the 21st of each month in the amount of 900 rubles.

The "History" tab contains information about all operations performed using the application, be it a transfer to a card or a payment for a mobile phone.

The next tab, Courses, contains information about bank rates buying and selling foreign currency as well as precious metals. You can sell the available dollars or buy a kilogram or two of platinum or gold. To carry out operations with metals, you need to open a metal account - information about this is available on the official website of Sberbank.

The last tab, "On the map", in fact, duplicates a similar item in the application, available before authorization. Here you can see information about branches and ATMs of Sberbank.

Each goal can be given a name, description, and even a photo - apparently for additional motivation. Next, you need to choose the amount required to achieve the goal, and the date by which you plan to achieve it. What happens then, after pressing the "Lay" key?

It's simple - Sberbank invites you to open a targeted deposit. The percentage is low - from 1.5 to 2.3% per annum. You will have to transfer funds to achieve your goal, of course, on your own. This is an interesting opportunity, but the low interest rate makes the idea of no practical use.

If you really want to entrust your money to Sberbank so that it stores and multiplies it, then using the application it is easier to open a deposit that is more suitable for your conditions: there are four types of them to choose from. Interest rate depends on the type of deposit, currency, starting amount and term.

All existing and potential users of the Sberbank Online mobile application should not forget about the rather strict limits on transactions. So, payments in favor of any cellular operators and for electronic wallets cannot exceed 10 thousand rubles per day. Transfers to clients of Sberbank and other banks are limited to 100 thousand rubles per day. This limit can be raised to 500 thousand rubles if transactions are confirmed in contact center bank, or use templates previously confirmed in the bank's contact center.

The Sberbank Online application allows you to get rid of a trip to a bank branch in the event of most typical transactions - and this is its main value. The developers managed to create a convenient application with a simple and intuitive interface. Of course, it is not capable of replacing a full-fledged Internet bank - for example, the program cannot receive an account statement, it does not reflect card transactions performed outside the application (purchases in stores, etc.), but it is not placed in front of the application such tasks. Average rating of 4.5 points on Google Play, App Store and the Windows Store speaks for itself - users are happy. So if for one reason or another you are a client of Sberbank, then the Sberbank Online application can make your life a little easier.

If you notice an error, select it with the mouse and press CTRL + ENTER.

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Android Pay: how to set up and how to pay?

If you have an Android phone, then I have good news, payments have been earned in Russia Android Pay, you can try to pay directly from your phone without taking your card out of your wallet. In principle, it was possible to pay for purchases earlier using an Android smartphone, for example, Tinkoff-Bank supports such operations, but for this you need to launch the application every time, confirm the payment by performing unnecessary actions.

Which banks do they support?

So far, the list of banks consists of such organizations, and subsequently it will grow.

"Alfa Bank";
Ak Bars Bank;
B&N Bank (at the time of launch only MasterCard);
"VTB 24";
MTS Bank;
Otkritie (including Rocketbank and Tochka);
Promsvyazbank;
Raiffeisenbank;
Rosselkhozbank;
"Russian Standard" (at the time of launch, only MasterCard);
Sberbank;
« Tinkoff Bank»;
Yandex.Money (MasterCard only).

What phones do they support?

All smartphones on Android I am tortured to list here, the main thing is that there is NFC support, and the phone has Android 4.4 and higher. In addition, the list of requirements includes the presence of an official firmware, no custom. Also, the phone must be without root and without an unlocked bootloader. If you don’t know what it is, that’s great, but if you have already delved into the filling of the phone, then do not be surprised that there may be problems.

NFC works in most mid-range phones, but there are problems with budget models, there are not so many options with NFC. It's clear that if you have a top-end Galaxy or Xiaomi, then this issue is not discussed, you will have NFC.

Accordingly, don't forget to enable NFC in the settings. And do not worry, this function does not consume battery power.

Where can I get the application?

In theory, the program can be found on Google Play, but at the time of preparation of the material, the utility could not be found by search. I think that there should be no problems after the official launch. Here is a link to Android app Pay.

How do I set up my phone?

The process of setting up the phone is simple, just enter the CVV code and that's it - the application will take the rest of the card data from your Google account, if you have previously added a card for purchases on Google Play. If not added, then the process will take a little longer. Open the application, enter the card details: number, owner's name, CVC code. Or use a camera for this, the phone will scan everything itself without unnecessary actions.

You may also need to enter your fingerprint and PIN to confirm the action for added security.

You can enter several cards, and when paying, select the one you need in the application.

Do you need to pay for anything else?

No, the service is free, no fees or subscription fee.

Where can I shop?

Yes, in principle, anywhere, as long as the terminals support PayPass and PayWave systems. Bring your phone to the terminal and pay, for purchases up to 1000 rubles a PIN code is not required, but sometimes you need to indicate it or sign the check. If the transaction was successful, you will hear a signal confirming the payment. Then an SMS with the rest of the money on the balance will come, if, of course, such a service is connected.

It is safe?

Yes. During payment, a one-time code is generated, and the data of the card itself is not used. Even if someone intercepts this information, they will not give anything to the attacker, useless data.

Opinion

I could not add the Sberbank Master Card, but with VISA Alfa-Bank and Tinkoff everything was fine.

I have been using Apple Pay, from time to time I also paid through the Tinkoff app on Android phones. Turning your smartphone into a payment system is a great idea, especially when using it in conjunction with a watch. I applied and went further, for shopping in stores, the means for an easier parting with finances could not be imagined. The main thing is that the terminals work and everything is set up, otherwise problems sometimes arise, and some establishments in Moscow still work only by cash. It is impossible to completely say goodbye to paper money, but life becomes more convenient, this is a fact.

For shops, tech-savvy people are a godsend. Customers are more likely to shop simply because they like new way to spend money. This time. The second point - people go through the checkout faster, less hassle, more sales. The third point is reliability, simplicity and mobility.

Modern technologies do not stand still. They develop so quickly that many people simply do not have time to figure them out. More recently, payment for goods on the Internet was a novelty. And how it works, only a limited percentage of people understood.

Technology is advancing even faster now. The turn of mobile phones has come. Literally every month, new models appear on the market, equipped with dozens of useful functions. One of them is paying for purchases by phone. How is this possible? How to pay with a phone in a store? What do you need to know and have for this? Let's figure it out.

Is it possible to pay by phone

One of the recent novelties that our citizens got acquainted with is a contactless payment system. Here we are talking about such types of cards as Visa PayWave and MasterCard PayPass. A huge number of people have already appreciated the simplicity and convenience of this technology. In order to pay for your purchase, you just need to bring the "plastic" to a special POS-terminal. In this case, there is no need to enter a PIN-code or perform any other actions. Everything happens automatically. This makes payment incredibly fast.

The same process was taken as a basis for the development with the "mobile phone". The technology is called Near Field Communication (NFC for short). The owner of the smartphone generates a special payment card that has a contactless payment function. For this, a special mobile application is used, which is different for each system.

Popular contactless payment programs

As already mentioned, in order to turn a smartphone into a wallet, you need special program... You can pay with your phone if you have one of the following applications installed:

Samsung Pay;
Apple Pay;
Android Pay.

Which program to install depends on what operating system your smartphone is running on. Apple Pay will work exclusively for Apple phones, Android smartphones will only respond to Android Pay, and the rest of the program will work only for smartphones of the corresponding brand.

Below we will take a closer look at how to pay in a store with a phone using one or another system.

Apple Pay

This contactless payment technology has been built into Apple-branded devices. Its essence is that you no longer need to carry countless different plastic cards with you. You can simply "tie" all plastic media to your smartphone and make purchases conveniently.

It's easy to do, and the service is really simple and easy to use.

Initial settings

Getting started with Apple Pay requires a few preparatory steps. First, you need to open a card account in one of the following branches financial institutions:

"Alfa Bank".
"VTB 24".
RocketBank.
Bank "Saint-Petersburg".
Tinkoff.
Bank opening".
Gazprombank.
"Russian standard".
"Yandex money".
Sberbank.
"MDM-B&N Bank".
Raiffeisenbank.

The list is constantly growing and it is likely that soon it will be possible to add several dozen more banks.

And, of course, you need to make sure that your iPhone can handle the installed application. The technology is supported by the following models:

iPhone SE, 6, 7, 6s and 6 Plus and 7 Plus;
Macbook Pro 2016;
iPad of the latest versions;
and II generations.

If you have an older model phone, you will have to wait a bit with contactless payments.

In addition, to install Apple Pay and it will function properly, you need an Apple ID and an updated to latest version"Operating system".

To make non-contact payments, you can add as many as 8 payment cards to the Apple Phone.

Application algorithm

Here's a quick guide for those who don't know how to turn a phone into a bank card:

Open the Wallet system and click on the active link "Add a payment card".
Enter your Apple ID.
Fill in the provided fields with the data of the payment plastic card: holder's name, validity period, number. Please provide a short description.
If you don't want to mess around, you can just take a picture of the card carrier. In this case, some of the fields will be filled in automatically.
After that, you need to wait a little. The bank that issued the card will determine its authenticity, identify it and decide if it can be connected to the IPhone.
When the check is complete, click the "Next" button and wait a little longer.
Ready. You can now use your smartphone to pay for purchases.

How to pay with a phone in a store? Very simple. To do this, just bring your smartphone to a special payment terminal. In this case, you must hold down Touch ID with your finger. Who does not know, this is a large key at the bottom of the case. Hold your smartphone near the terminal for a while and wait for the beep. He will notify you that the operation is completed and was successful.

Android Pay

How to pay with an Android phone? There is nothing complicated here either. You can download a special application from the GooglePlay service. But it will work stably only if the following conditions are met:

the presence of the "Android" system version 4.4 or higher;
preinstalled NFC module;
lack of open unlimited access to smartphone systems (root access).

There are several other conditions under which Android Pay cannot be used:

the OS bootloader is not unlocked in the smartphone;
preinstalled version of "operating system" for developers or there is Samsung MyKnox;
the smartphone is a fake and has not been approved by Google.

Before you pay with your phone in a store or salon, you must correctly install and run the corresponding application. You can do it like this:

download and install the service;
open the program and find your account;
click the "+" icon in the bottom right corner;
select the "Add card" item and fill in all the required fields;
confirm the data by entering a special password from SMS.

Ready. The card is "tied". Before committing contactless payment, you need to make sure that the terminal supports this technology. Most often, this is evidenced by special stickers in the form of radio waves (contactless payment) or the Android Pay logo.

Paying for your purchases with your phone in this case is also easy. To do this, just take the device out of the inactive mode and bring it with the rear panel to the appropriate place on the terminal. It is absolutely not necessary to activate the Android Pay program. It activates itself.

Now you need to wait 2-3 seconds and make sure that the payment is completed. Further actions will depend on which card is "tied" to the smartphone. If you pay with a credit card in excess of the limit, you will need to additionally sign the check. If debit "plastic" is used, you will have to enter the PIN-code.

Samsung Pay

This system is not yet as popular as its predecessors. However, the number of users is growing rapidly. This is partly facilitated by the fact that with the help of Samsung Pei you can pay not only through the contactless payment system, but also where a magnetic stripe is installed in the terminal. This is possible thanks to a specially designed secure magnetic transmission system (Magnetic Secure Transmission or MST).

The fact is that smartphones that support this special technology are able to create a special magnetic field.

The list of financial institutions that support this technology is not too long, but it is constantly expanding.

To use the application, your smartphone must support NFC and have an operating system of at least Android 4.4.4.

The process of launching the application and binding the map is almost identical to those described above:

download the application and activate the account using e-mail;
determine the authorization path using a PIN code or fingerprint;
click the "+" symbol or the "Add" link;
enter the data of a plastic card or scan it;
read the terms of service, put a "tick" in the required field and click "Accept all";
confirm your actions using a password from SMS;
with a stylus or just your finger to put your signature on the smartphone screen;
click "Finish".

In this way, you can "tie" no more than 10 cards to your smartphone. Everything works very simply:

launch Samsung Pay;
select a card;
log in with a PIN or fingerprint;
bring your phone to the POS terminal and wait a couple of seconds.

Pros and cons of phone payments

Despite the popularity of the technology, it still has more disadvantages than advantages.

Firstly, there are not so many places where you can pay with your phone at the moment. This is especially true for small towns or villages. After all, in order to make such a payment, you need an appropriate terminal. And it is not installed everywhere.
Secondly, many cashiers are simply afraid to do something wrong and come up with various excuses to refuse such a payment method.
And, finally, in order to pay in this way, you must have a rather expensive and "fancy" phone. And, unfortunately, not everyone has it.

However, there are also advantages to paying by phone. First of all, it is stylish, fashionable and still attracting attention. Plus, it's also incredibly convenient. After all, you do not have to carry with you a whole bunch of plastic cards and remember the PIN codes for each of them. It is enough to enter all the data into the program once, and in the future it will do everything for you.

Conclusion

Now you know how to pay with your phone at the checkout, and if necessary, you can do it. Technologies are developing so quickly that the day is not far off when such a phenomenon will no longer surprise, and calculations using the phone will become available everywhere.

If earlier a mobile phone was used only for calls and SMS messages, then in modern realities it is used everywhere: they sit in social networks, take photos, listen to music, watch videos, etc. Recently, it has become possible to pay for goods and services with a phone instead of a Sberbank card by installing the appropriate application and settings on the smartphone.

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Prerequisites for contactless payment

To pay for purchases or pay for travel using a smartphone, you need a device equipped with NFC technology (almost all modern manufacturers produce mobile phones with such an innovation) or configure an NFC module. You also need to connect a debit or credit card - enter information about them in the memory of the mobile phone so as not to indicate them when paying.

The contactless payment service is available to owners of iPhone (Apple Pay) and smartphones with the Android operating system. Also popular is Samsung Pay, the service works on devices manufactured by this manufacturer.

How to set up NFC for payment with a Sberbank card

The Savings Bank was one of the first lending institutions to support the wireless payment system in Russia. Each bank customer who owns a smartphone can activate this function for free.

To set up NFC, you need to do the following:

Find this function on your mobile phone and activate it. On Android, it's located under the Wireless & networks category;
Install the application to pay by phone;
Link a credit or debit card Savings bank;
Make settings payment systems You know that the funds were debited from the specified card.

When binding several cards at the same time, one of them will be considered the main one by default. You can change this as you wish at any time in the settings. And the choice of a program for wireless payment depends on the brand of the phone.

NFC Payment Apps Overview

To pay with a Sberbank card in one touch, you will need to install one of the applications:

Yandex money. Installation takes place on the phone. After installation, select the "Contactless payments" section. You have access to a virtual MasterCard, the security code will be sent to your cell phone. You will need it if you want to withdraw money or have exceeded the transaction limit of one thousand rubles.
Visa QIWI Wallet. Download and install the application, link the wallet to your phone. To confirm the binding, you will need to enter one-time password that will go to the smartphone. When making purchases in the amount of less than one thousand rubles, it is enough to unlock the screen of the mobile phone for calculation, for larger purchases, you will need to enter the PIN-code.
Purse. Bank cards. The official application from the credit institution, you can download it on the Google Play service. For correct operation, you must have an Android OS version of at least 4.4.
Installed on mobile phones Samsung company. In addition to NFC, the owners of the gadget receive the MST function. The first is available only on devices that work with contactless payments, the second is available on all terminals that accept cards with a magnetic stripe.
Apple Pay. Integrated into Wallet, available for owners of Apple devices. Allows you to make payments in online stores and via terminals with wireless payment.

The customers of the Savings Bank who have MasterCard PayPass or VISA PayWave (it's easy to link them).

How to pay

Contactless payment with a Sberbank card using a smartphone is available in many shops, catering establishments, airports or the subway. It is enough to bring the plastic to a special reading device. You may need to activate the program before this, i.e. enter the code that you typed when installing the application. A PIN code or password from an SMS message will be required to confirm a transaction for a purchase amount exceeding one thousand rubles.

Payment is made within a few seconds, just turn on your smartphone and bring it to the terminal. As soon as the money is debited, a corresponding inscription will appear on the screen and a characteristic signal will sound. No additional commission will be charged credit institution nor the seller.

How to top up your balance

To pay by phone instead of a Sberbank card, constantly monitor the balance of the plastic account. Timely replenishment is possible in the application, via Internet banking or at an ATM.

Security

Some users still do not trust the innovative system, fearing for safety own finances... In fact, a contactless payment system is several times more reliable than a standard credit card settlement procedure:

You do not provide any information about plastic. The transaction is carried out using a unique password that is read by the device. It is unrealistic to find out how to use it again, since each operation has its own cipher, the combination of numbers is constantly changing;
If you lose your smartphone, a stranger will not use the application. Firstly, many modern devices are equipped with Touch ID technology, i.e. the unlocking of the mobile phone is performed after the device checks the fingerprints. Secondly, to access the program, you must enter a unique code;
It is impossible to write off funds twice in one transaction, since the terminal is immediately turned off after payment.

One of the main advantages of the innovative technique is high speed payment. In big cities, the payment system has already become widespread. Contactless payment is convenient, there is no need to carry a credit card with you all the time and enter its details. NFC activation takes place within a few minutes, it is enough to download the program and attach a plastic card.

However, the method also has a drawback - if the smartphone runs out of battery, then you will not be able to pay anywhere and with anyone.

Android Pay

Android Pay is one of the most popular electronic payment systems from gadgets running on the Android operating system. The service is free of charge, clients of the Savings Bank can use Internet banking to activate it. All operations carried out using this system are under reliable protection, since the smartphone does not store the plastic number.

If you have a mobile phone with NFC module support and Android OS version 4.4 and higher, as well as a Savings Bank card (all categories of cards are available to activate the service, except for Maestro), you can activate the electronic payment service. This requires:

Download the Sberbank Online application on Google Play;
On the main page, select the required card and detailed information about it;
Click on "Add to Android Pay", follow the further instructions.

If you lose your smartphone, change your password, lock your phone or erase all information from it using the Android Remote Control function.

To pay, unlock the phone display and bring it to the reader. After the characteristic signal and the inscription on the screen "Finish", the operation will be completed. You can add credit, debit, gift card and pay with them for in-app purchases, in retail and online stores.

Conclusion

Payment by phone instead of a Sberbank card is used not only when paying for goods, but also for travel on public transport. When the service is connected on a PC, it becomes possible to make purchases in virtual stores.

New technologies are rapidly entering our lives, and you will no longer be surprised by the opportunity to pay at retail outlets using a smartphone. After all, every person walks with a telephone, which can now also have the function of a payment instrument.

Sberbank is one of the first financial institutions to offer its customers to use the function of payment by phone. Many have already used it, while others have heard about it, but do not know how to link a Sberbank card to a phone for contactless payment. We will try to cover this issue in detail.

The essence of contactless payment

Near field communication (NFC) technology is the cornerstone of contactless payment; these words are translated as “near-field communication”. It enables data exchange between devices over a short distance (no more than 10 cm). This technology appeared in 2004, in the beginning there were debit contactless cards, and now it is possible to use the phone for this technology.

The average user is not interested in exactly how this technology works, where the loop antennas are located, what type of coding is used for data transmission. They have heard about this technology, that it is convenient and safe, and they want to know how to set up NFC to pay with a Sberbank card a... So, let's take a look at what you need to make a payment.

It is clear that in order to use this technology, an old phone will not work. For contactless payment for purchases at retail outlets, you must:

Have a phone with a built-in NFC chip, you can find its symbol on the body of your mobile or on the battery. Therefore, if you get a new cell phone, then buy it with new technology.
Connect a contactless payment application to the phone OS. This can be done in the Android settings on the "Wireless networks" tab, put a tick in front of NFC.

The payment procedure in the store is quite fast, you bring your phone to the terminal and the money is read out instantly. What are the advantages of such payment:

Payments are processed in a matter of seconds.
Security and reliability of transactions.
Such payment can be used not only in our country, but also abroad, wherever there are terminals with this technology.
It makes no sense to carry bonus cards with you, all your discounts and bonuses will be saved in the application.
You spend significantly less time at the checkout.
The technology is used free of charge.

Which Sberbank cards have this function?

Sberbank issues many cards and almost any can be connected to this technology, and then left at home and use the phone to pay for purchases. Among such cards for which you can set up contactless payment on the Sberbank phone are MIR cards, with the exception of Visa Electron and Maestro.

How to choose the best payment system?

If you are going to set up a contactless payment with a Sberbank phone on Android, then, for sure, you are interested in which system to install so that the interface is clear and convenient to use.

Now in the Russian Federation they use three of the largest systems in the world, which have been launched here and we will describe them in detail below. They all use the same technology and are completely safe and reliable. But they have their own advantages and disadvantages and features, since they were developed by different manufacturers of smartphones.

Apple Pay

Sberbank was the first in Russia to use the Apple Pay system and is now cooperating with developers. This payment system is supported on iPhone models, only from version 6, as well as on other digital devices of the developer. Apple Pay has some limitations:

high cost of phones where this system, there are only four models that can be attached to it;
there must be a fingerprint scanner;
a terminal capable of reading NFC chips is required;
the developer prohibits reading the chips of other applications, therefore there are restrictions on cooperation with partner banks.

Android Pay

The developer of this system is Google. You can use it on Android phones. Connected to this payment system a large number of banks, and it has many advantages:

You can connect as many plastic cards as you need and you choose the one you need when paying.
The system can be used on any phone with Android OS, there is no binding to a specific phone brand.
There is a binding to bonus cards where all your points and bonuses are saved.
When making purchases using this system, you get bonuses and participate in various raffles.

It is extremely easy to pay in a store with Android Pay on your phone. You only need to unlock the phone and bring it to the terminal at the checkout. There is no requirement for a smartphone to have a scanner.

As you can see, the advantages are good, there are still small limitations. You can pay only in stores where there are terminals with contactless technology. The application does not work on so-called rooted phones, where the necessary manufacturer restrictions have been removed and therefore security has been reduced.

Samsung Pay

The application developed by a Korean company competes with other systems. Benefits you can have by choosing Samsung Pay:

There is a link to phone models, but there are already six of them, which is more than in other companies.
The phones on which the system can be installed have a very competitive price.
The smartphone can be used when paying at those terminals where there is no NFC technology, since there is an imitation of a magnetic stripe.

Please note that this application requires the presence of a fingerprint scanner in the phone. The main advantage, of course, is that you can pay at any terminal, and it is also possible to directly link the card to Samsung Pay through Sberbank online.

First of all, you need to make sure that the phone supports NFC technology and you need to activate it in the settings.

When buying a phone, see if it has an NFC sticker, then open the settings menu on Android and find the "Wireless networks" section in it, open it and see the NFC and Android Beam options. Opposite NFC we put a tick, and on Android Beam you need to point your finger to set up data exchange.

For iOS above version 6, activation is not required, but you need to check compatibility. You can immediately open the Wallet service and activate the cards online.

Direct connection through Sberbank Online

Many are interested in how to connect NFC for Sberbank payments the most in a simple way... This can be done through Sberbank online. To do this, you first need to go to Google Play from your phone, find, download and install the application. Then go to the program and find the card you need in the menu, open it, and then select "Add to Android Pay" (or another system). Next, you need to follow the instructions of the wizard and continue adding a payment card until the process is complete.

It is also possible to directly add payment cards to the system, for example, in Android Pay.

Download and install on the cellular application, lock the screen, and then open it. At the bottom right of the screen, select "Maps" and press the "+" button. Then we press "Add a card" and in the appeared window it is necessary to enter all the card data manually. Then you need to choose a confirmation method, via SMS or by mail and enter the confirmation code, we are waiting for the completion of the process. That's it, the payment is set!

Making a payment using your phone

To pay for purchases at the checkout, bring the phone closer to the terminal at a distance of no more than 1 cm and wait for a message on the phone to confirm the transaction. You may need to unlock your phone by scanning your finger, pattern or password.

How is safety ensured?

Through the use the latest technology NFC, which allows devices to exchange data over a small distance, it is impossible for attackers to intercept the data. The phone needs to be unlocked before use, which also increases security, especially if there is a finger scanner. Therefore, users can be absolutely calm about their finances, they do not need to carry cards with them, risking losing them or forgetting their PIN code. The history of your transactions can be viewed through Sberbank online.

The mobile phone has become an extension of the human personality. Wherever you are, he is always by your side. A small ergonomic device connects you with the whole world, pleases you with your favorite tracks, demonstrates films, offers exciting games. The phone has become man's best friend. Recently it has become possible to use it as a means of payment. Knowing how to pay with a phone instead of a Sberbank card, you can use your iPhone or Android to make payments. There will be no need to carry a small card with you, which is very easy to lose.

Become an analogue plastic card iPhone or Android can only be provided with NFC technology. All the latest models from leading manufacturers have this innovation.

It is the built-in NFC technology that allows you to pay with your phone for purchases and travel on public transport. In order to start using the device instead of a bank card, you need:

set up NFC;
connect one of the card options - debit or credit;
enter information about the payment instrument into the smartphone's memory;
start paying with your mobile phone.

All of the above can be done in just a few minutes.

How is NFC configured for payments with a Sberbank card?

Sberbank is one of the innovators of the Russian Federation. Among the first, the bank provided its customers with the opportunity to use iPhone or Android for contactless payments. Any client of a financial institution with a modern mobile device can activate the option for free.

To make contactless payment available, you need: