How to configure the phone to pay the card. How to configure NFC to pay a map of Sberbank. How to find out the phone supports contactless payment
Brief instruction for the payment system from Google.
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May 23, 2017 from 9:00 Moscow time in Russia payment system Android Pay.. It has existed since September 2015, Russia has become 11 in the account in which the system has earned. Here it is available to customers more than 10 banks that enjoy visa cards And MasterCard.
What is the Android Pay
Android Pay is a system of contactless payments that allows you to link the usual bank card to the application, and then use the service on a smartphone or "smart" hours to pay for goods and services. In addition, it can be paid in applications on mobile devices (for example, Uber).
Technology allows you to not carry all bank cards with you, replacing them with one application on the smartphone. Android Pay does not take a commission from the user - with the account of the buyer, the amount indicated in the check is written off.
What cards can be connected to Android Pay
At the start of B. Russia Android Pay works more than ten banks. This list includes:
- "Alfa Bank";
- "AK BARS Bank";
- BINBANK (at the time of launch only MasterCard);
- "VTB 24";
- MTS-Bank;
- "Opening" (including Rocketbank and "Point");
- "Promsvyazbank" (at the time of launch only MasterCard);
- Raiffeisenbank;
- "Rosselkhozbank";
- Russian Standard (at the time of launch only MasterCard);
- Sberbank;
- « Tinkoff Bank»;
- Yandex.Money (MasterCard only).
In the future, this list will expand.
What devices are available android pay
Android Pay can be connected to devices with an NFC chip that run running the Android Kitkat system (4.4) and newer - Lollipop (5.0, 5.1), Marshmallow (6.0) and Nougat (7.0, 7.1).
An important condition - an official firmware must be installed on the device, and the root rights should not be obtained and the bootloader should not be unlocked. Usually these actions are performed when changing the firmware.
How to connect a map to Android Pay
To use Android Pay, you need to download the same application from the Google Play Store. Some Russian users have access to him in early May 2017.
When you first start the Android Pay application, you will offer to connect a map - for this you need to either bring the camera to it so that the service believes the number and validity period, or enter information manually. Also need a CVV code with back side Maps and user address. When you connect the map, the Bank will send a verification code to confirm the operation.
If the user has already connected the cards to its account in Google (for example, to pay for application store), then Android Pay will offer to use one of them - it will only need to enter the CVV code to bind to the application.
Where and how to pay through Android Pay
Payment through Android Pay is available almost everywhere where there are terminals that support contactless payments (including through maps with paypass technology and paywave). We are talking about terminals that are designated similar symbols:
In Russia, such terminals are almost in each trading network - "ABC of taste", "Pyaterochka", "Crossroads", "Carousel", "Magnit", "On" Kay "," Eldorado ", H & M, Starbucks, KFC," Burger King »," Teremok "," Dublby "," Rosneft "," Bashneft "and so on. By the end of 2017, Sberbank, which serves 1.1 million terminals, promises to add the possibility of contactless payment to all its devices.
To pay for the goods and service, you need to "wake up" the device with the Android Pay application and bring it to the terminal for a few seconds. If the operation turns out to be successful, a message appears on the screen about this and the image of the map used.
In some cases, the cashier may ask to enter a PIN or sign a check. It depends on the settings of the bank, which issued the card, and the terminal. As a rule, in Russia, when conducting contactless payments, it is necessary to introduce a PIN code during a transaction in the amount of more than 1000 rubles.
Android Pay allows you to spend three transactions in a row without unlocking the phone in the amount of up to 1000 rubles each, on the fourth user you will need to unlock the phone using a graphic key or fingerprint. The transaction meter is reset if the user unlocked the phone between them.
If the user has connected several cards, then one of them will need to be selected as standard to be used by default. To use another card, you need to open the application and select the desired map - If necessary, it will be possible to assign it as standard for the future.
How to pay through Android Pay in applications and on sites
With the help of Android Pay, you can also pay for purchases in some mobile applications and on sites through the Mobile version of Google Chrome. In such cases, the "Pay through Android Pay" button will appear on the payment page.
In some services (for example, in Uber), you can use Android Pay as one of the permanent payment funds. At the start of the system in Russia, the service will be available in Lamoda, OneTwotrip, Rambler / Cashier and Poster, and later will appear in Delivery Club, "Cinema", Ozon, Yandex. Taxi and other applications.
Detailed instructions for setting up NFC on the phone for contactless payments. NFC Activation, Google Pay and Bind bank card To smartphone.
NFC technology support is one of the most important characteristics of the modern smartphone. Unfortunately, this module is used mainly in the smartphones of the middle and flagship segments, and in the budget category occurs as an exception. A detailed list of smartphones with NFC (NEAR Field Communication).
The technology has, but the main is non-contact payments. It works simply: the bank card is attached to the phone, which can be paid at the box office. Briefly, but we tell you how contactless payments work, and how to configure NFC on Android smartphones.
Is there NFC on the phone?
First of all, you need to make sure that in the smartphone. For this you need to either explore the official specifications Gadget, or go to the settings - more - NFC. The technology must be enabled. As for the consumption of energy and rapid battery discharge, you can not worry - this module is practically uncommon to charge the battery.
Setup Google Pay.
The next step is to configure the payment application. In the case of most phones, this application that was previously called. You can download it in Google Play.
In the application is a simple interface because it performs one main function - Binding bank cards. What card will give, that will be paid through a smartphone.
To bind a map you need to enter all data - the number, validity period, the name of the owner (on the Latin) and the CSV code on the back side. To confirm the binding to your phone number, a message will be sent to the phone. At this stage, the screenshots on the smartphone cannot be made.
You can bind several bank cards to one phone, as well as credit, gift and virtual map (for example, Yandex.Money).
You can everywhere where contactless payment is accepted is almost every payable terminal for bank cards. To pay, you need to display a smartphone from sleep mode, unlock it and bring it to the terminal. For 1-2 seconds, a check mark will appear on the screen - this means that payment has passed successfully.
Safety NFC.
In terms of safety in Near Field Communication technology, you can not worry:
- The module receives a signal and works only at close range (up to 10 cm).
- Contactless operations over 1000 rubles usually require a password confirmation.
- The banking card and payment "Watch" Google Corporation, which pays a lot of attention attention.
If the mobile phone was originally intended only for calling, now its functionality has expanded significantly. It became possible to pay the phone instead of the goods and services. This function is almost all modern smartphones. It remains only to download applications and make minimal settings.
Is it possible to pay the phone
Modern technologies allow you to make purchases in stores using the phone. These operations are called contactless payments and, according to experts, in the future they will be able to completely replace plastic cards. Apple, Google and Samsung have already been developed by Apple, Google and Samsung. Their users can use the smartphone to pay products in stores, as well as taxi services, cafes and restaurants, fitness centers.
The advantages of contactless payments are obvious:
- the ability to pay in Russia and abroad, where there are terminals supporting such technology;
- instantaneous transactions;
- high security;
- no need to carry neither banking nor bonus cards - in the appendix all payment details, discounts, bonuses are preserved;
- no commission for operations.
What you need to pay the phone
To pay a mobile phone, you need a modern smartphone to which special mobile app, and debit or credit cardsupporting contactless payment technology. This is Visa Paywave and Mastercard Paypass.which are now producing all banks.
Often also requires constant Internet access. Some gadgets can work as full-fledged payment products and without it, but there are few such.
Contactless payment from the phone is possible if the payment terminal supports such technology. This is usually evidenced by a special sticker in the form of radio waves or the Android Pay logo. Information can also be clarified by the cashier.
What is the name of the payment function
You do not need to connect NFC. This is a chip that is originally embedded in the smartphone. Only installing an application that will allow you to link the card and store its details to pay from the phone. Gadget needs to be brought to the payment terminal that is the place where NFC is located. For convenience, the location of the chip is marked with a special sticker on the housing. Usually it is from behind under the lid.
NFC on the phone: how to use to pay
Configure and use the NFC function to pay easy. Detailed instructions:
- install the application (it is free);
- sign up in the application, link one or more bank cards, specifying a payment code;
- top up the balance of the card, if necessary;
- directly for payment - launch the application, enter the code, select the desired card and attach the smartphone close to the payment terminal.
Upon successful completion of the operation, the money spikes from the account, after which the receipt will be printed as with normal payment.
How to configure contactless payment on the phone
To pay for purchases via a phone without a map, you must first activate the radiocommunication of the near radius. To do this, it is enough to go to the configuration of the phone and include in the "Wireless Network" section NFC (if not, it means that the gadget does not support contactless payment).
Then you should select a mobile application. You can download any of Google Play or App Store. Either use what the default manufacturer offers - it is in the "Non-contact payment" menu. It will remain uploading your bank cards using Sberbank online or Wallet. When they appear in the list, you can immediately start paying with a smartphone.
How contactless payment from the phone works
Bluetooth or Internet can be used to exchange data between two devices. Thanks to NFC, it is enough to make them enough to each other - and there is a connection between them. If a mobile phone Supports this technology, it is tied to it using a special application, and then use a gadget to pay in stores and restaurants instead of traditional "plastic". When applying a smartphone to the payment terminal between devices, a wireless data exchange occurs, and the money is listed instantly. The commission for such operations is not charged.
Important! When conducting an operation, a virtual account is used, these cards do not appear. Therefore, a high level of confidentiality is achieved. The phone should be tightly applied to the terminal, since the radius of the chip is small, and this also ensures the security of payments.
What phones support contactless payment
As a rule, the contactlessness of payments is implemented in all modern smartphones. Check if the gadget supports this technology, easily. On the housing or battery there must be a NFC symbol, also the availability of this chip can be clarified in the settings in the "Wireless Network" tab.
To use all the possibilities of payment by one touch, it is necessary that the Secure Element is installed in the mobile phone with the NFC chip with full access. It is only among individual phillips models, Sony and HTC - the desired application in them is already installed or installed when operating system updates. The rest of the smartphones can pay for purchases in one touch with constant Internet access. All the advantages of contactless payments are saved. The only thing happens to pay the fare in public transport by the phone if only NFC chip is installed, without Secure Element.
App to pay the phone
To pay a mobile phone to one touch, you need to install one of the applications. Their choice is great:
- Yandex money. After installation, you need to go to "contactless payments", where the MasterCard virtual card immediately appears. A protective code will come to the phone, which will be needed for writing off more than 1,000 rubles. or cash removal.
- Visa Qiwi Wallet. You need to tie a wallet to the phone by entering a password from SMS. For purchases worth less than 1,000 rubles. It is enough to unlock the smartphone screen, for larger acquisitions - enter a PIN.
- Wallet. This is the official Sberbank app, which is available for downloading in Google Play. For correct operation, you need to have a version of Android OS not lower than 4.4.
- Samsung Pay.. It is installed on Samsung phones and allows not only non-contact payments, but also to pay on all terminals receiving cards with a magnetic strip.
- Android Pay. The application is designed for phones with Android OS. Allows you to make purchases online and pay one touch in ordinary stores and restaurants. Available for downloading in Google Play.
- Apple Pay.. The service is integrated into Wallet and is designed for the owners of iPhones. With it, you can pay on the Internet and through terminals that support contactless payment.
After installing the application, it remains to bind a map - and in the future it is possible to pay only with a smartphone without carrying a credit card.
How to pay with Android Pay
Payment by phone android instead of Sberbank card - a convenient and safe way to make purchases. Half download android app Pay on Google Play and install it on your smartphone. Then register and add your bank card. The whole procedure takes a few minutes.
Use Android Payi for contactless payment is very simple. Standing at the checkout, you should perform several elementary actions:
- Unlock smartphone. You do not need to open the application.
- Holding the phone in your hand, turn it so that the rear panel is located in parallel with the display of the terminal. Attach the gadget is needed close, almost before the touch.
- Seeing payment request, choose "Credit" (even if you use a debit card).
- Enter PIN or sign if you need.
This is done with a card payment, which is default. At the same time, you can add several banknotes of different banks to the application. To configure payment from another card, you need to do the following:
- Unlock phone.
- Authorit about Android Pay, select the desired card.
- Press the "Make Main" button.
- Complete by attaching a smartphone to the terminal.
To make payment, you must definitely display the phone from the sleeping mode. The operation passes quickly, but it is impossible to remove the gadget immediately - you should wait a few seconds until the green checkbox appears. He says that the payment is perfect.
Applications can be paid by touching a finger confirming payment. If there is such an option, it is marked with the inscription "Payment from Android Pey" or a picture in the form of a green robot.
To pay a telephone, it is enough to have a modern smartphone with a NFC chip, set a special application on it and tie your bank card. While payments to one touch are not available everywhere, but many shops, restaurants, fitness centers are gradually moving to this technology. For the buyer, it is convenient - you do not need to carry banknotes with you and keep in memory PIN codes from them. No need and present bonus cardsAfter all, in the program in the phone, data is saved on all discounts and bonuses. To pay, it is enough to unlock the gadget and bring it to the terminal, and the money spikes in counting seconds.
If you wish to use a contactless method of payment for goods and services from your phone, you must add a map to the app. Collaboration occurs almost with all bank cards. The exception of the "Maestro" and the ELECTRON visa. Banknotes from Sberbank (Visa and MasterCard), working with Android Pey:
- Classic visa;
- GOLD VISA and MASTERCARD;
- Classic "Give Life" visa;
- Gold "Aeroflot";
- Classic "Aeroflot";
- Momentum.
- Signature MasterCard;
- Standard;
- Gold Visa "Give Life";
- Youth map Standard;
- Credit Momentum.
To use contactless payment, you need to add a map in Google Wallet, after which it will bind and activate it.
Before adding a map, you must check whether the NFC module works. This chip allows you to instantly contact special equipment (terminals), for payment without additional contacts.
Algorithm of actions:
- Download and install Android Pay;
- Run the application;
- Log through account Google;
- Select the "Add Debit or Credit Card" section.
- The application will offer to use the phone chamber to add card data to the app. It will be necessary to confirm your actions. If the camera does not work, then you can enable data in manual mode;
- After adding a bank card to Android Pey to the phone will be sent code in SMS;
- In order to confirm the reality of the account, the write-off of funds in the amount of several rubles may be made (money will return to the card later);
"Android Pey" - free programthat does not take money for setting up cards.
While the system provides the ability to link MasterCard and Visa banking. Later, the application is planned to adapt under payment System "PEACE".
How to set up in Sberbank.online
Sberbank application. Online from Sberbank can be downloaded through the Google Play application store. To configure Android Pey, through Sberbank. It is necessary to log in to the system by entering password and login. Next, the Map menu selects and offers detailed information about it. You need to find the item "Add to Android Pay". Tips will be paid to activate this process. After confirmation from the system, you can safely go to shopping store.
How to pay
Payment in stores is accepted through special equipment marked with a bright Android icon. For more information about how payment is made in stores using Android Pay, see our detailed instructions.
For numerous Russian clients of this financial institution payment plastic cards For numerous services and goods became familiar. Many users appreciate the convenience and simplicity of such processes. Despite this, the organization is constantly developing and not so long ago a special modern technologywhere you can not use the bank to use the bank, but the smartphone. If you know how to pay the phone instead of a Sberbank card, you can significantly increase the speed of operation and its safety.
To perform the operation, you will need a special telephone with NFC technology. There are no problems with this, since in modern gadgets this option is already present, it will not be necessary to produce any additional settings. Enumeration of funds for the provision of services and the purchase of goods is carried out by users who have at the disposal:
- IPhone with Apple Pay payments.
- Samsung telephone devices with thoughtful Samsung Pay.
- Other smartphones with an OS android category, where it is necessary to install a modern program similar to Samsung Pay.
Technology solving the issue, how to pay the phone instead of the Sberbank card, based on the use of phones, is quite convenient. For this reason, the organization supported it among one of the first. The client of this financial institution can absolutely not paying anything to connect such an option and use the smartphone as payment card bank. Once the plastic data is added to the Special Appendix, the owner will be able to transfers, simple confirmation of the installed PIN code.
How to configure NFC to pay Sberbank card?
To apply a smartphone in the form of enumeration, you will need to configure a special NFC profile. It will be necessary to find the appropriate option and connect it mobile. After that, you need to perform the following actions:
- Carry on the appropriate switcher;
- Carry out authorization;
- Binding a credit card.
On the this moment Many modern trade enterprises Equipped with special terminals for contactless methods. A feature of such operations is that each time the system creates a new, unique code, and additional accruals are not charged. It is worth being ready for the fact that if the total amount significantly exceeds 1,000 rubles, the write-off process will be confirmed by the code combination from the message.
How to pay from the phone with a touch of Sberbank?
If the user for some reason can not find a smartphone, he will not threaten a certain risk without means to stay. No fraudster will be able to use the application and illegally decide how to pay the phone instead of a Sberbank card. The reason is that after paying for one or another acquisition, the terminal will be automatically disabled. The entry will be completed with the installed support for the special code and by the fingerprint, that is, using biometric authentication.
The only complexity can be the discharge of a smartphone. In this case, it will be absolutely impossible to use the option. It is necessary to know that if the technology of such a plan is installed on the usual tablet or on the laptop used, the device data can be applied to online operations.
How to pay the phone instead of the Sberbank card iPhone?
This financial institution among the most first supported the system of competent transfer of funds in the territory of the Russian Federation. The client of the organization, which has a modern smartphone, is able to activate this optionAnd completely free.
To quickly and comfortably make purchases and pay for them using a smartphone, you will need to perform the following sequence of actions:
- It is required to find a special option on the phone and to activate it. On the phone it is in the appropriate category.
- Installed appropriate application.
- Tied debit or credit Product bank.
- Execute settings for the subsequent write-off of money with the settings specified in the settings.
In the process of binding several financial products at once, only one will become the main one. It can be changed, based on its desire and in absolutely any time.
How to pay the phone instead of the Sberbank card android?
Before conducting such a form of translation, you will need to check the phone to work on the basis of a system, at least, android 4.4 categories and effectively works with the NFC option. After that, the desired application is downloaded to pay the phone instead of a Sberbank card, strictly certified at the official level in Google and the map is connected.
This process is carried out manually, it is enough to bring the camera to the plastic or enter the information to add to Android Pay. In one telephone device, you can connect up to 12 Visa and MasterCard accounts, and they may be credit or debit.
To make a payment you need to just click in personal phone on the corresponding icon. As soon as activation occurs, confirmation is carried out by the biometric system. For this purpose, special innovative authentication is used, and if there is no such possibility, you can use the PIN code.
If the smartphone is lost or stolen it, it can be blocked instantly, and remotely, without having to personally visit the bank to solve this issue. You can also change the password or turn it off with the support of the Android Device Manager option.
NFC Sberbank Bracelet - for contactless payment
If some distrust of new innovative systems persists, if the user is afraid for its funds, you can use a bracelet with NFC chip Sberbank for transfers. Among the main advantages of such an operation, the following factors can be distinguished:
- There is no need to provide information regarding the plastic itself. The operation is carried out using an individual digital password, its device reads during the activation process;
- If the device is lost, no one can use a similar application. The reason is that similar modern gadgets are equipped with a special protective Touch ID.
The use of devices is the most secure as possible, as it is implied to check the fingerprint or the introduction of a unique code. Another preferential factor is that the write-off of funds for one operation is not provided for, after payment, the terminal will be automatically turned off.
NFC Ring Visa Sberbank
Not so long ago, the visa system submitted attention to the NFC special ring from Sberbank to carry out contactless cash payment transactions. To implement the desired payment, it will be necessary to simply place a ring over an ATM.
Payment of goods or services can be made by means of a special chip integrated in the ring, which is assigned a security feature. When the device is lost or when it is stealing, the ring can be simply blocked using the usual mobile.
The device does not in its composition of metal parts, which allows you to do not disrupt the operation of the built-in antennas in the process. Despite the fact that the ring is made of high-quality ceramics, it is not dangerous to such options as the fall on the floor surface and immersion under water. In the store, the device is still impossible to find, while only a special test sample is presented. Release the device into broad masses is planned after it passes all the necessary tests.
Sberbank ATM NFC.
At the moment, special ATMs with NFC Sberbank are included in the turnover for non-contact translations. They take plastics category VISA and MasterCard from Sberbank. According to the established plans and forecasts, the cards will begin to take smartphones to which the MasterCard category plastic is tied.
The heads of the financial institution added that the Bank already has about 10,000 self-service devices, which are equipped with a modern NFC reader. Such terminals will receive products of both categories of Visa and MasterCard. Very soon, the ATMs will start working with all the types and categories of Mobile Pays without exception, that is, just enable Samsung Pay, as well as Apple Pay and Android PA.
Summing up
One of the main advantages of the innovative technique described is the optimal transfer rate. It is for this reason that the payment system of such a plan has received quite widespread. Competently built contactless payment is very comfortable, since there is no need to constantly wear a large number of kart. The only one an important pointTo pay attention to, the battery is charged. If it sits, it will automatically arise complexity, it will not work anything.