How to use the apple pay feature. Payment service Apple Pay Sberbank

The mobile phone has become an extension of a person's personality. Wherever you are, he is always there for you. A small, ergonomic device connects you to the whole world, pleases you with your favorite tracks, shows movies, 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 by phone instead of a Sberbank card, you can use your iPhone or Android to make payments. There is no need to carry a small card with you, which is very easy to lose.

It can turn into an analogue of a plastic card iPhone or Android only if it has NFC technology. All the latest models from leading manufacturers have this innovation.

It is the built-in NFC technology that allows you to pay by phone for purchases and travel in 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 memory of the smartphone;
• start paying with your mobile phone.

You can do all of the above 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 payment. Any client of a financial institution with a modern mobile device can activate the option for free.

For contactless payment to become available, you need to:

Overview of NFC payment apps

In order for you to be able to pay in the store using your phone, you need to install one of the following utilities on it:

• Android Pay;
• Apple Pay;
• Samsung Pay.

Figuring out which drivers to download is not difficult. If you have a Samsung phone, your app is called Samsung Pay. The Android operating system recognizes Android Pay. And the owners of "apple" devices will need to use the Wallet functionality.

Apple Pay

Owners of devices with a bitten apple on the back should first make sure that the model works with NFC. The following owners will be able to use the Apple Pay app:

• iPhones 7 and 7 Plus, 6, 6s and 6 Plus, SE other versions released after those listed;
• Macbook Pro 2016 and later;
• All latest iPads;
• Apple Watch of all generations.

Link to the map

For an iPhone to become a payment card, you need to:

1. Login to Wallet.
2. Click on "Add a payment card".
3. Enter your Apple ID.
4. Fill in the fields by entering the numbers of the card to be linked, or take a photograph of the plastic.
5. The bank will identify the plastic carrier for some time.
6. When the verification is completed, click "Next".

Soon you will be able to use your smartphone as a wallet.

Android Pay

If the OS of your smartphone is Android, you need to go to Google Play and download Android Pay.

Important: the ability to use the application depends on what device you have. The version must be at least 4.4.

Also, the NFC module must be pre-installed and there must be no root access.

The application may not function for the following reasons:

• the smartphone is not original and therefore not approved by Google;
• Samsung MyKnox is present or a creator version of the OP is pre-installed;
• OS bootloader was not unlocked.

How is Android Pay connected?

Connecting and launching an application that allows you to turn your smartphone into a debit or credit card is done as follows:

1. Download the service and install it.
2. Open the utility and find your own account in it.
3. Click on the "+" located at the bottom right of the screen.
4. Select the "Add a card" tab and enter the requested information in the form that appears.
5. Wait for the password that will be sent to SMS and enter it.

The card is connected. The Android Pay service is operational. You can use your smartphone to pay sellers of goods and services.

Android Pay and data security

Paying for purchases using a phone or tablet that has Android Pay installed is very simple:

• unlock the device;
• bring the gadget with the back wall to a special place on the terminal.

There is no need to run the application every time. At the right moment, it will automatically activate. When applying the device to the terminal for making payments, you need to wait 2-3 seconds.

If the smartphone works in debit card mode, you need to enter a pin code. If the phone carries credit card information and the limit is exceeded, you will need to sign the receipt.

Many Sberbank customers are worried that when they use smartphones as payment instruments, the money will not be sufficiently protected. This is not so, payment by devices is more reliable than transfers of funds from standard plastic.

Samsung Pay

The Samsung Pay application has not yet conquered the market to the extent that the two previously described programs did. However, it is actively downloaded and installed.

The main advantage of this utility is the ability to use it not only for contactless payments. Information from the phone can also be read by terminals that have a magnetic stripe.

To use Samsung Pay, Android must have an OS version of at least 4.4.4. and support NFC.

How to upload a map to the app

In order to download the application and add a card to it, do the following:

1. Download the utility to your smartphone.
2. Activate your account using an online mailbox.
3. Choose how you will log in: fingerprint or PIN.
4. Click on "+".
5. Select Add.
6. Scan the card or enter its data.
7. Read the terms of service and, if you agree, check the appropriate box.
8. Confirm by entering the code received in the SMS.
9. Sign on the smartphone screen.
10. Click on "Done".

Samsung Pay allows you to link up to 10 cards.

How to pay?

Making calculations using the program is very simple:

1. You start the application.
2. Choose the desired card.
3. Log in using the previously selected method.
4. Attach the device to the POS-terminal and remove it after a few seconds.

How to replenish the balance?

In order not to get into a delicate situation, keep an eye on the balance of funds on your phone. Replenishment is possible in several ways:

• through Internet banking;
• in a self-service machine;
• in the application itself.

Security issue

One of the important aspects of this issue is security. As already mentioned, financial specialists consider the method of paying by phone to be reliable. This is evidenced by the following factors:

• information about the payment instrument is not provided;
• if the phone is stolen by scammers, they will not be able to withdraw money from it due to Touch ID technology and the inability to enter a special code;
• as soon as the payment is made, the terminal turns off, which makes it impossible to debit money in one transaction.

The card does not have any of the listed advantages that ensure the safety of funds on the owner's account.

Conclusion

If necessary, the application can be run on two devices. To do this, you need to link a card to each of them.

Paying for goods and travel by phone has greatly expanded the capabilities of users and made smartphones even more necessary and indispensable.

A couple of years ago, a cell phone was just a device for calls and SMS, but times are changing, and today with the help of a mobile phone you can surf the Internet, listen to music, send files by e-mail, take photos and much more. Going to the store, now you can also take a smartphone, because thanks to the mobile application it has become easy to pay with your phone by putting it to the terminal instead of a card.

What is contactless payment by phone

In order to understand how the payment process takes place, it is worth understanding contactless technologies. A payment card is a piece of plastic with a microprocessor sewn into it. Banking institutions purchase blanks from the manufacturer and scan the information onto a chip. The mobile phone also has a chip, so you can write the client's payment data on it. This means that a cell phone itself can be a means of payment, just like a contactless credit card. Perhaps this is due to the use of the NFC system, which is something akin to Wi-Fi and Bluetooth.

NFC technology

For the exchange of information between the payment terminal and the smartphone, Near field communication is used, abbreviated as NFC - near field communication technology. It helps to exchange information over a short distance of approximately 4 cm. A distinctive feature of NFC technology is that there is no need to enter passwords and logins every time. You just need to lean the devices against each other and payment by phone instead of a card will be made. This technology is used in the production of transport cards.

Which banks support NFC

One of the first banking institutions that introduced cell payments instead of cards for customers was Sberbank, since the lion's share of credit card users falls on its share. Alfa-Bank was the next to introduce the possibility of using NFC. True, they worked with Samsung Pay and Apple Pay systems. After the release of the application for Android, other banks also launched a service for payments with a gadget:

• AK Bars;
• Binbank
• Opening;
• Rocketbank;
• Dot;
• Promsvyazbank;
• Raiffeisenbank;
• Rosselkhozbank;
• Russian standard;
• Tinkoff.

Phone payment function

To be able to pay by phone instead of a card, there must be an NFC chip. Older models must also have a Secure Element microprocessor, where payment application data is written. The chip can be built into the motherboard or located on a SIM card or memory card. Thanks to the introduction of the Host Card Emulation (HCE) feature in new phones, plastic card data can be stored directly in the application itself.

Which smartphone models have a pre-installed version

If the previously pre-installed version of the program, with which it is possible to pay by phone instead of a card, was only in some models, then at the present stage, the owners of any smartphones with the FNC function can safely leave their wallet at home. For shopping, restaurants, cafes, you just need to take your cell phone with you, though you definitely need to pay attention to whether a terminal that accepts contactless payments is installed at the point of sale.

Applications for payment via NFC

Before paying by phone instead of a card, you need to install a special application that will help you link a credit card to your mobile phone. To date, there are several of them, so there are plenty to choose the best from:

• . The application is installed on the gadget, after which you need to go to the menu and select the "Contactless payments" section. The user will have access to a virtual MasterCard card, and a pin code will be sent to the phone, which will be necessary to pay for goods and services worth more than 1,000 rubles or withdraw cash from ATMs.
• Visa QIWI Wallet. First you need to download the application on your phone and link it to your smartphone. To do this, you need a code that will be sent to the user via SMS. After that, the owner must come up with a password that will protect the payment system. To pay, you only need to unlock the phone screen, and when buying more than 1000 rubles, sign the check or even enter the code.
• Wallet. Bank cards. It is installed on a smartphone from Google Play and works on gadgets with Android 4.4 and higher.
• Samsung Pay. The application is installed on the phones of the company. In addition to the fact that payment via NFC is possible, users also received MST (Magnetic Secure Transmission) in addition. If the first one works only with terminals that accept contactless payment, then the second one works with all terminals through which you can pay with magnetic stripe cards, since it creates a “similar signal” in its work.
• Apple Pay. The service, integrated into the Wallet application, allows all users of gadgets released by Apple to use them when paying through contactless payment terminals and online in some online stores.

How to set up NFC for card payment

For users of phones on the Android operating system, to enable the NFC function, you need to enter the menu and select the "Wireless networks" section. There you need to select the subcategory "NFC" and activate the module. In this case, the Android Beam function is automatically activated, which speeds up the application. If this does not happen, you need to activate it yourself. For owners of Windows phones, in the "Settings" section, you must select the "Devices" category, where you can activate the NFC function.

Downloading a map to your phone

It will not be difficult to link the card to the selected application, since already during identification, the user will be prompted to enter data. It should be borne in mind that some applications, such as Yandex.Money, issue and offer to use their own virtual card. Summing up, we can say that NFC payment by phone is possible with an existing MasterCard PayPass or VISA PayWave credit card, as well as a virtual one, which is issued after installing the application.

Card Management

Applications allow users of IPhone, Samsung, HTC, LG and other smartphones to bind different cards. If necessary, you can delete the data of the old credit card and enter new ones. For iPhone owners, by default, the payment card is the first credit card entered. If other cards have been entered, then the application must indicate the one that is a priority.

CardsMobile Wallet App

In 2015, the Wallet application was released in Russia (the "Cloud" beta version of the application is called "Wallet. Bank cards"), which was initially built into some smartphone models. Now it can be downloaded from Google Play absolutely free of charge and used on mobile devices with the Android operating system version 4.4 and higher. After registration, you must select one of the cards offered by institutions and fill in certain data. The owner of the phone can take advantage of the conditions of prepaid credit cards of Tinkoff, Russian Standard, St. Petersburg banks.

Paying with a smartphone as a card

You can upload several cards to one gadget at once. Payment by card through the phone is completely safe and takes place through secure channels. It is impossible to steal such a credit card, no one sees either the pin code or the details. When using the touch payment method, the terminal does not use card data, but only a digital code, which is safe even with the possibility of fraud, since it does not carry any information. Paying by phone instead of a card does not require an internet connection, which is an advantage when using it instead of a credit card abroad.

Where are contactless payments accepted?

Contactless payment technology is convenient. A phone with NFS can be used in retail outlets when paying for purchases. It is easy for them to pay in restaurants, for travel by Aeroexpress and at the subway ticket offices. You can pay for goods or services wherever there is a real possibility of making transactions using contactless payment terminals. If the Samsung Pay application is activated, the possibility of paying by touching the phone instead of a credit card increases, since the transaction can be performed with almost any terminal, not only in Moscow, but throughout the country, and even abroad.

How to pay by phone in a store

Before paying with a phone with NFC, you need to run this same module in it by going to the smartphone menu. If the program requires, then you need to activate the program using the previously entered code. Approaching the terminal, turn on the screen and bring the smartphone to the reader. All transactions up to 1000 r. are automatically paid, all the rest will require the introduction of a payment password or confirmation of the transaction with a signature.

Card replenishment

Payment via NFC requires a positive balance on the card. For this reason, it is necessary to replenish the account. This can be done in the application itself using a plastic card of other banks or through special services of banking institutions. International payment systems vouch for the safety of the process of using a cell phone instead of plastic, and funds are credited quickly - within a few minutes.

Video

By connecting Apple Watch to iPhone 5S, you can get Apple Pay support

15.06.17 at 10:43

In recent years, the iPhone 5S has become almost one of the best-selling iPhone models in Russia. Which is not surprising, thanks to its good performance, stylish design and fairly inexpensive price (especially for). But after the advent of Apple Pay, you probably have a question: for the iPhone 5s?

How to connect Apple Pay to iPhone 5S?

The iPhone 5S cannot work directly with Apple Pay for 2 reasons: 1. It lacks a special chip that generates a payment code on the fly, 2. The 5S does not support NFC technology required for contactless payments. However, there is one little trick that will allow you to use the iPhone 5S if you already have one: you need to purchase an Apple Watch.

Firstly, you might have wanted to buy an Apple watch for a long time and perhaps now will be the best time for this, as Apple has released a more modern generation and the prices of the previous ones will fall. For example, at the time of this writing, some online stores sell Apple Watch Sport 38mm with Sport Band at a price of 17,990 rubles. Which costs several times less than buying a new iPhone.

Secondly, paying for purchases via Apple Pay with Apple Watch is even more convenient than getting your iPhone out of your pocket. Yes, paying with Apple Pay is fast, secure, and more convenient than using a credit card. But if we talk about convenience and speed, then with the Apple Watch this operation will be even faster and easier.

But the question arises, which model of Apple Watch is suitable? Answer: any, even the very first 1st generation Apple Watch models support Apple Pay.

If this option still does not suit you, then the smallest iPhone model that supports Apple Pay is the iPhone SE. Which can be purchased from about 21,000 rubles, in some cases cheaper.

With the advent of Apple Pay, paying for purchases has become even easier. But not everyone knows that this can be done on the Internet.

Learn how to shop with Apple Pay online. All options are considered on the example of the site re:Store.

Where and how Apple Pay Web works

You can pay for your purchase on any site that supports Apple Pay. As a rule, this is stated on the main page of the site or the page with the product.

To pay for purchases on sites, you must take into account several mandatory conditions:

iPhone must be set up with Apple Pay

A bank card is linked to the Wallet app (supporting Apple Pay)

Payment should be made only in the Safari browser. It won't work in other browsers.

Via iPhone or iPad

Step 1. We select the required product.

Step 2

Step 3

Step 4. Click Buy with Apple Pay. We put a finger.

Pay with Mac and iPhone

This method deals with a MacBook without a Touch ID scanner. All steps are identical, it's just that at the end we use the built-in fingerprint scanner instead of the iPhone.

Step 1. We select the required product.

Step 2. We proceed to place an order, indicating all the necessary data about yourself and the place of delivery.

Step 3. Select the Apple Pay payment method. Press the Confirm Order button.

Step 4. Click Buy with Apple Pay. A payment notification will appear on the MacBook screen.

Step 5. We unlock the iPhone, it will receive a notification about the need to confirm the purchase.

Step 6. Put your finger on the Touch ID scanner.

That's it, this way you can make purchases with Apple Pay online. Where is it easier?

Before using Apple Pay to pay for the necessary goods, you should check whether this system is configured. Not all owners of Apple gadgets use the possibility of contactless payment, although it is connected. And in vain, since this method has enough advantages, but there are practically no disadvantages.

Those who have an Apple phone can use the new payment system designed specifically for iPhone owners. In fact, this is a regular application that you need to install on your gadget. After that, you need to indicate a bank card and make purchases.

Apple Pay works on the latest iPhones (6, 6s, etc.). All of these phones have an NFC chip that allows you to pay. If the user has an Apple Watch, it can also be used to pay for purchases and services through Apple Pay. By the way, owners of earlier versions of phones (5 and 5s) can also use them to pay along with the watch.

Paying for a purchase by phone instead of a card implies that the payer still has a real bank card. Sberbank became the first bank to use the Apple Pay payment system for its customers. In addition, such banks as VTB 24, Tinkoff Bank, Raiffeisenbank, as well as the Yandex.Money system promise to connect the Internet payment system.

How to connect and set up Apple Pay

In order for a user to connect to Apple Pay, they must have a compatible device and a bank card. The system allows you to connect up to 12 payment cards on one device. On earlier versions of gadgets, you can add up to 8 cards, no more. Setting up the application is very fast. The main thing is to link a bank card.

How to add a card

In order to add the desired bank card, you must use the Wallet application. The program can include it in the list automatically, but if the binding does not occur, then you will have to do everything manually. The instruction consists of the following steps:

If a person uses a Sberbank card, he can set up all the necessary data online through the application from the bank. Just open it and find the section on connecting to Apple Pay. You do not need to enter anything, as the system will “bind” the card on its own.

In the case when the owner has a watch connected, they can also be configured. After adding the card on your phone, you need to go to the "My Watch" tab on your Apple Watch and find the activated card. In this case, the system will require the user to come up with a short password.

The developers of the application claim that users can pay for goods in any store that uses contactless payments. In order to carry out the procedure, you need to have a mobile phone with you and make sure that the store or restaurant has the appropriate terminal.

You can also pay for purchases in online stores from an iPhone. The main thing is to choose an application that allows you to pay for goods using Apple Pay. The payment system allows Apple product owners to pay for taxis and public transportation.

The owner of an iPhone can easily use this payment service to pay for any goods and services. The purchase is made almost in one touch. If you use a smartphone or iPad, then you need to apply it to a special terminal. Further payment is carried out as follows:

You can pay for goods and services using the system using a Mac. To do this, the user will need the Safari browser. The procedure for transferring funds is as follows:

After the procedure, the user will be informed about the withdrawal of money from the card. If a person makes purchases through applications from online stores, then you should check whether they support the Apple Pay service. As for the commission, nothing is deducted from the payer.

Important! The owner of the point where the procedure for transferring funds is carried out must pay the established commission.

Customers who pay with Apple Pay can have peace of mind about the security of their data. For example, the bank card number is not stored in the system, on the gadget or the company's server. And, of course, it is not transferred to the recipient of funds. However, users still have a lot of questions about the reliability of such payments.

As for the pin code, it is impossible to spy on it. The four-digit code is used only in watches, and on a smartphone it is replaced by a fingerprint. Therefore, it is impossible to fake. If the user loses the watch, then the other person will not be able to make purchases with their help precisely because of the need to enter a password. To gain access to the owner's finances, it is easier for attackers to find out the password from the payment card.

The service has undoubted advantages, which have already been appreciated by users around the world. Paying by phone, you can see the following advantages:

The owner of the gadget does not need to carry ordinary plastic cards with him, since now they are completely replaced by an ordinary smartphone (watch or computer).

To carry out an operation with the terminal, it is enough just to bring the device to it and confirm the transfer of funds. No need to take out a card, enter a pin code, etc.

Payment for goods via the Internet occurs by pressing a few buttons.

The high level of system security allows you not to worry about the theft of card data or the loss of your phone.

The payment service also has its drawbacks. Firstly, it is not yet possible to use it everywhere, although many stores have already installed the appropriate terminals. Secondly, if the smartphone runs out of battery, and the person does not have cash or a card, he will not be able to pay.

The payment system is not suitable for everyone, as developers impose certain requirements on users. Therefore, it is important to know the following nuances:

To pay through the terminal, you need an Apple smartphone of at least version 5. And even then, such early models only work with smart watches.

While an iPad or Mac can't pay in stores, it's ideal for paying for items online.

The bank card must be a MasterCard system. In addition, the user needs to specify whether the bank has connected this system. To avoid problems, it is better to immediately get a card at Sberbank.

To pay, you need to install an application from your bank on your phone, as well as Wallet.

For normal Touch ID fingerprint scanning, you must first set the correct settings.

Apple Pay only works where there is a terminal and a PayPass icon.

The Internet is not needed for payment through the terminal.

Modern technologies do not stand still. And if many people are already used to the possibility of making purchases online, then contactless payment using a phone offline is something new. In fact, everything is very simple, so any user can handle the settings. All you need is a phone number of the corresponding company and a bank account. And if there are difficulties during payment, then you can count on the help of the seller.