What is the name of the program where you can pay with your phone. How to use Android Pay in Sberbank of Russia

For Russian clients of the Savings Bank, payment for goods and services with a plastic card has become commonplace. Relatively recently, a technology was introduced, with the help of which purchases can be paid with a phone instead of a Sberbank card, which increases the speed and safety of transfers.

To make a payment, you need a telephone set with NFC technology (it is already present in modern gadgets, and there is no need to perform additional settings).

Payment for goods and services can be made by users of iphone (Apple Pay system), Samsung phones (Samsung Pay service), smartphones with Android OS, on which you need to install a special program (such as Samsung Pay).

Telephone transfer technology is very convenient. Sberbank was one of the first to support it. Any person serving at the bank can enable this function for free in order to use the phone instead of a Sberbank card.

If the card is added to the smartphone application, the owner can pay for the purchase by confirming it by entering the PIN code.

How to set up NFC for payment with a Sberbank card

To use your phone as payment, you need to set up an NFC profile. To do this, you need to find the NFC function and connect it on your device.

Then you need to:

turn on the corresponding switch;
log in;
link a credit card.

How is the payment going

Nowadays, many trade enterprises have special terminals for contactless payments. Each time (for each purchase) a unique code is generated, which is read by the terminal. In this case, additional commissions are not charged.

If the payment amount exceeds 1 thousand rubles, the withdrawal of funds must be confirmed with a code from the SMS.

Payment data security

If you lose your phone, you are not in danger of running out of money - an attacker will not be able to use the application, because after any payment for the purchase, the terminal is disabled, and the entrance is performed with the support of a special code or with the owner's fingerprint (Touch ID) using a biometric authentication system.

When the telephone set is discharged, it will become impossible to use the payment function.

If NFC is installed on a tablet or laptop, they can also be used for online purchases.

One-touch payment apps: which payment system to choose?

Android Pay

Android Pay is a payment system from Google for mobile devices, which is built into smartphones, tablets, smartwatches based on Android OS. In simple terms, this is an application for paying by phone.

Advantages of the system:

supported by many banks;
gives additional discounts when paying;
there is no need for a scanner in the phone, identification is carried out by a PIN-code or a password.

Android Pay works through the Google Wallet electronic payment system.

How to connect Android Pay

It is possible to connect the service if your iPhone runs on Android 4.4 KitKat OS (or even more modern) and supports NFC. Apple Pay works on new iPhones (6, 6s, etc.) along with ios, app store. Customers can also purchase Apple Pay with their Apple Watch bracelets.

Next, you need to download an application certified by Google, connect the card (either point the camera at it, or enter information manually), click on the "Add to Android Pay" menu. Sberbank cards are connected: debit and credit Visa and Mastercard (up to 12 cards on one device).

The service of using Android Pay in Sberbank Internet is free.

Android Pay and data security

To make a payment using Android Pay, you need to click on the application sign in your phone to activate it. Then, an elementary touch of the telephone set to the terminal that reads the digital code is enough. We confirm the payment using a biometric authentication system: scanning the iris, fingerprint (by touching Touch ID) or, if this is not possible, a PIN code (password).

If your phone is lost or stolen, you can remotely lock it, change the password, or turn it off with the support of Android Device Manager.

Samsung Pay

The Samsung Pay application, created specifically for Samsung phones, supports short-range contactless communication: NFC and MST technologies (MST is a development that allows you to pay at terminals designed for magnetic stripe cards). In the device, before downloading the card, the software is updated (there are telephones on which this service cannot be used: Samsung Galaxy (Note III, Light, S3), Elephone P9000, Evo 4G LTE).

How to load a map into the app

The step-by-step instructions for connecting the card are as follows:

We connect the device to the Internet.
Open Samsung Pay and press the "Start" button.
To add the initial map, select the icon with the picture. If you need to connect other cards, you should click "Add".
We enter information about the card: a photo of the card or manually.
We register a fingerprint or pin code for security.
We put marks on the acceptance of user agreements in the windows and click "Send"
A confirmation code will be sent to the telephone number indicated in Sberbank. We are waiting for SMS and enter the code in a special window
Using your finger or stylus, register a signature identical to the one on your card. Activation starts, which lasts 10 minutes.

The algorithm of actions when paying for an item is similar to those performed when paying via Android Pay, with one touch.

Conclusion

This technology, which makes it possible to pay by phone instead of a Sberbank card, saves the client the most important resource - time and allows them to safely conduct transactions in stores and service companies.

Video of linking a card to a smartphone:

Contactless financial payments have revolutionized mobile devices by eliminating the need to use cash and credit cards.

Instead, it is enough to bring the smartphone with the NFC module to the payment terminal so that the required amount is automatically sent to the account of the trade organization. Contactless payment is widely used these days. Let's take a closer look at how this technology works and how to pay for purchases using a smartphone.

How does phone payment work?

The interaction of a mobile device with a terminal that supports PayPass is due to the operation of the NFC (Near Field Communication) module. This technology is implemented in many modern smartphones (here) belonging to the middle and higher price segment. The presence of an NFC chip opens up a lot of opportunities for wireless communication with different types of devices and passive tags.

You can familiarize yourself with all the available methods of using the NFC module (data transfer, payment for purchases, control of smartphone functions) in the articles on our website.

Making contactless payments is as simple as possible. All that is needed is a smartphone with a built-in NFC chip and a card of any bank with support for PayPass financial transactions. Having unlocked the phone in the store, you need to bring it to the terminal to identify plastic cards and enter the PIN-code. In a second, a message should appear on the screen informing about the successful completion of the transaction.

How do I prepare my smartphone for NFC payment?

First of all, you need to check for a working NFC module on your phone. To do this, you need to go to the standard settings section and activate the slider responsible for NFC in it. You can find out if the phone supports this technology on the official website of the phone manufacturer or using. The operation of the electronic chip has practically no effect on the battery charge, so you can leave it on.

After making sure that the device is suitable for making contactless payments, you need to check the card for compatibility with such operations. Almost all modern banks (Sberbank, Alfa-Bank, Tinkoff) support payment through POS terminals. If the card for some reason is incompatible with payment using the NFC module, you can reissue it and get a newer sample.

Now you can go directly to the contactless payment setup itself. To do this, you need to download a special application (Google Pay for Android smartphones, Samsung Pay for - for Samsung smartphones, Apple Pay - for iPhone). After starting the program, you need to manually enter or scan with a camera a set of basic information about the bank card (16-digit number, expiration date and CSV code).

Then an SMS with a code will be sent to the mobile phone number linked to the bank account. It must be entered to complete the setup procedure. Now all that remains is to add the most convenient way to unlock the device for quick payment (digital password, pattern or fingerprint). You can learn more about installing and configuring the Google Pay service.

How do I pay from my phone / smartphone?

You can use contactless payment in any store where POS terminals are installed. Before making a payment, you must notify the cashier of your intention to pay for the purchase using your phone. Usually at the checkout that supports payment by credit card there is a corresponding sign.

After the store employee activates the terminal, you need to wake up the phone from sleep mode and unlock it. Then you need to bring the smartphone to the scanner (where the mini-keyboard for entering the PIN code is located) at a distance of no more than 10 cm. After a couple of seconds, a checkmark should appear indicating the successful completion of the financial transaction. At this time, the required amount will be withdrawn from the card.

For more information on contactless payment methods using a mobile device with NFC, see.

Outcome

We talked about the most important aspects of using NFC technology and the Google Pay service on Android. As you can see, there is nothing difficult in preparing a smartphone for work, and the payment procedure itself does not cause problems. The main thing to take care of is the presence of an NFC module and a card of a suitable bank. And if the latter can be updated, then add NFC technology to the smartphone.

Together with the MasterCard payment system and the developer company D8 Corporation, we have launched a new technology for fast and secure payment for purchases: now your bank card is transferred to your smartphone!

Imagine: there is a queue in a hypermarket, buyers are late at the checkout for so long - most often they pay in cash, collect the required amount, wait for a long time for change from the cashier. But now your turn comes, and with a "flick of your hand" you instantly pay for the purchase, just by touching the terminal with your mobile phone!

Smartphone always at hand

Mobile phones have long ceased to be only a means of making calls and sending SMS: now they are the Internet, books, music, maps and navigation, photos and mail, and much more. There is evidence that the average person looks at the screen of his smartphone 150 times a day! We are more likely to forget our wallet at home than our phone, which stores all the information we need. It is quite understandable that technologies have also appeared, with the help of which the phone turns into a means for non-cash payments not only on the Internet, but also in a regular store. In particular, MasterCard contactless payment technology, with which plastic has ceased to be the only carrier of a bank card.

With the innovations of MasterCard, MTBank clients now have the opportunity to load a bank card into their phone. From the beginning of February, you can download the MTBank application on Google Play for free - MTBank HCE (HCE) - the first mobile application in Belarus with which you can pay for goods and services with one touch of your NFC smartphone to a terminal with contactless technology. Because the card is now in your phone! Let's see how everything works.

How a bank card moves to a smartphone

In fact, every modern payment card is a microprocessor embedded in a piece of plastic. Banks buy "blanks" of cards and write on them their application with the "payment data" of the client. Conclusion: plastic is just a storage medium, which can be, for example, a smartphone. After all, each device has a processor thousands of times more powerful than the one on the plastic card.

Near field communication (NFC) technology, similar to Bluetooth or WiFi, is used to exchange data between a smartphone and a payment terminal.

This technology allows devices to exchange data at a very small distance - about 4 cm. Today it is being introduced into smartphones and televisions already during production.

What to do to pay with a smartphone in one touch?

Download the application for free MTBank HCE on Google Play.

An important point: your mobile must be running Android 4.4. and above, support NFC (Near Field Communication) and HCE technology.

We register. To do this, you need to enter the number and CVC2 of your MTBank bank card. Please note that the SMS notification function must be activated for the card, because for security reasons, for registration you will be asked to enter a confirmation code that will come in SMS.
Coming up with a password. 5-8 symbols that will be easy for you to remember, but not a very simple combination - this is also protection. With this password, you can manage the functions of the mobile application: change the existing mobile PIN-code, block / unblock the card in the application, delete data from the application.
Create a mobile pin. It is needed to confirm purchases paid with a card in a smartphone. Strong recommendation - the mobile PIN should be different from the PIN associated with your main plastic card.
We activate the card. The screen will display a list of your MasterCard cards in MTBank that support contactless payment functionality. We select those from which we want to pay with a smartphone, click on them to activate. You can choose not only one card, but also several of the available cards.
Turn on NFC in your smartphone... As soon as you select the one with which you want to perform an operation from the list of cards, the application will automatically redirect you to the phone settings to enable the NFC module in your mobile device. If you wish, you can activate NFC in advance so as not to waste even an extra second at the checkout. ALL! Now you can pay with your smartphone!
We make payment... The moment of truth! Everything is simple and intuitive here: we select from the list of activated cards from which funds should be debited at the moment, enter a mobile PIN and bring the smartphone to a terminal with MasterCard contactless technology.

Advantages of the new technology

With a new innovative solution, getting a card into a smartphone is quick and convenient. There is no need to change the SIM card: just download the app. Now you can safely leave your wallet at home.
Safe: in the MTBank HCE app, data is securely protected, and each transaction requires a mobile PIN code. Paying with one touch with a smartphone is as safe as with a bank card, but at the same time you have complete control over the payment process, since you do not need to transfer the payment instrument to the cashier.
Most modern smartphones support HCE. Support is available in devices with Android 4.4 and higher, such popular phone models as Samsung Galaxy S4 (S5), Sony Xperia, HTC One, LG G4, Nexus 5 and many others have the necessary capabilities.
In real time, you can see all purchases made using the application. Very useful for planning a family budget.
With a mobile MasterCard card, you can safely travel and pay for purchases in Belarus and other countries - more than 4 million trading platforms in 72 countries accept MasterCard contactless payments.
Contactless payment technology is actively spreading in Belarus and around the world. By 2020, contactless payment support will become the MasterCard standard for European service and retail enterprises, consumers will be able to pay with contactless cards and devices at all POS terminals in Europe.

Fans of innovation should definitely test the new app

How to pay for purchases via phone without a card? For your smartphone to become a payment instrument, you need a special program. Install on your smartphone any application for paying with a phone instead of a card: Samsung Pay, Apple Pay, or Android Pay and you can pay for purchases.

Pay for purchases with Apple Pay

Let's take a closer look at how to pay for purchases via a phone without a card. This contactless payment system is pre-built into Apple branded devices. It allows you to "bind" all your payment cards to your smartphone and get rid of the need to constantly carry them with you. The binding procedure is simple, and using the service is really very convenient.

Payment service Android Pay

If your phone runs on the Android operating system, then this application is for you. It can be easily found on the GooglePlay service. But for its effective operation, a number of conditions must be met:

operating system not lower than Android 4.4,
lack of open root access (unlimited access to all smartphone systems)
pre-installed NFC module.

In addition, the following can prevent you from using Android Pay:

Your phone has not been approved by Google
because it is a fake;
the preinstalled version of the operating system is the version for developers or there is Samsung MyKnox;
OS bootloader is locked.

Before paying for purchases using your phone, it is important to correctly install and run the payment application. The algorithm of actions is as follows:

download and install the Android Pay app
open it and find your account;
in the lower right corner, click the "+" icon;
select "Add card" and enter the relevant information;
confirm the entered data with the password from the SMS.

Now your card is linked and the application is ready to work. Be sure to make sure that the term at the point of sale supports the contactless payment option. As a rule, the terminals you need have stickers in the form of the Android Pay logo or depicting radio waves.

Samsung Pay

Despite the fact that this service is not yet as widespread as the previous ones, recently more and more users prefer it. One of the reasons is that with its help you can use not only a terminal with a contactless payment system, but also terminals with a magnetic stripe. A special secure magnetic transmission system (Magnetic Secure Transmission or MST), present in the payment service, provides this opportunity.

That is, smartphones that support this special technology can create the required magnetic field. The not very large list of financial institutions working with this technology is steadily expanding. As with Android Pay, you need Android 4.4 or higher operating system and NFC support. The procedure for launching the application and binding the map is in many ways similar to the one described above:

download the application and activate the account via email;
choose an authorization method (PIN or fingerprint);
follow the "Add" link; specify the required details of the payment card or scan it;
be sure to read the terms of service of the service, mark the appropriate box and click "Accept all";
confirm your choice and entered information with a password from SMS;
with a stylus or just your finger to put your signature on the desired part of the device screen;
click "Finish".

Payment via phone by card. How to pay?

Payment via phone with a card is a fast and convenient way, you need to enter the smartphone menu and turn on the NFC module, then, if necessary, start the program using the previously selected authorization method. Then we turn on the display and bring the smartphone to the terminal reader. Transactions in the amount of up to 1000 rubles are automatically carried out, the rest may require confirmation with a personal signature or entering a PIN code.

I hope we have answered the question: how to pay for purchases by phone without a card? Happy shopping!

Contactless payment for purchases using a phone is an innovative offer of Sberbank to its customers. You will no longer surprise anyone with contactless debit plastic cards, but the turn of a new technology has come, which is predicted to be enormously popular. Carrying out payment transactions without the mandatory presence of a card will attract the attention of many. After all, most people always have a phone with them, which can now additionally perform the function of a payment instrument.

Contactless transactions when calculating with bank cards is one of the last words in the latest technology innovations

Sberbank's contactless payment is based on NFC technology. It is based on the principle of wireless communication with a short range. To activate it, devices with a similar function must practically touch. In this way, complete security of the payment transaction is achieved, since the signal is almost impossible to intercept. Due to the fact that a virtual account is used when carrying out a monetary transaction and the card data does not appear, a high level of confidentiality is ensured.

The mechanism for the implementation of contactless transactions is extremely simple

To carry out the procedure, you will need a phone with a built-in NFC chip, a connected application and a special reader. And the procedure itself is elementary simple: just bring your smartphone to the terminal, and in a matter of seconds the money is transferred. In this way, it is already possible to pay for goods and services in supermarkets, transport, restaurants, fitness clubs, and every day the number of organizations working on this technology is growing.

How to determine if your smartphone supports this technology or not? You can check this as follows:

the NFC symbol can be located on the body of the smartphone or on the battery;
in the Android settings there is a tab "Wireless networks", where NFC is indicated.

As a rule, smartphones of the latest models are equipped with similar adapters.

The advantages of NFC payments by phone offered by the bank are obvious:

the transaction is carried out instantly;
high level of reliability and safety;
use on the territory of the Russian Federation and abroad, where only there are terminals that support this technology;
there is no need to have bonus cards with you, the application saves all discounts and accumulated bonuses;
using the application in the bank is free.

Sberbank cards with contactless payment technology

Almost all bank cards are suitable for making payments using a mobile device, including the MIR payment system, except for Maestro and Visa Electron cards.

Almost all cards issued today support contactless technology.

Which payment system to choose

Three of the world's largest contactless payment systems have already been launched in Russia: Apple Pay, Android Pay and Sumsung Pay. They are very similar to each other: their technologies, payment methods and security systems are almost the same. At the same time, each of them has its own characteristics, advantages and disadvantages associated with the policies of smartphone manufacturers. If you are in the process of choosing, then you need to take into account the features of all services.

Android Pay

Android Pay is a payment system from Google that is embedded in smartphones based on the Android OS.

Android Pay is specially designed for Android mobile devices

The distinctive advantages include:

a huge number of banks connected to this payment system;
the presence of a built-in binding to the bonus cards application;
receiving additional bonuses when paying for goods or participating in various promotions;
there is no need for a scanner in the smartphone, identification and security is carried out by entering a PIN code or a picture password.

There are also certain restrictions:

you can pay in special terminals with contactless technology;
not supported on rooted phones.

Samsung Pay

Today the Korean company is a significant competitor to other developers. This is due to a number of advantages that can be the main reason for choosing Sumsung Pay:

6 models supporting contactless technology is more than others;
relatively affordable price for mobile devices;
the developer allows the chip to be used for different applications;
there is support for simulating a magnetic stripe, which allows the device to be used in traditional terminals;
the choice of partner banks is greater.

Sumsung Pay is a system developed by the corporation of the same name for its devices

The only minor drawback is that the transaction is carried out with a fingerprint scanner. In fact, the advantages of Sumsung Pay are not in the features of the system itself, but in the great capabilities of the manufacturer's models. The key advantage is the ability to pay for purchases and services at any type of terminal.

Sberbank Online is the only banking application in the Russian Federation that allows you to directly link a card to Sumsung Pay.

Apple Pay

In the Russian Federation, the first bank to start working with the Apple Pay service was Sberbank, and is still the only one with whom the developer company cooperates. The payment system is used only in the flagship iPhone models, starting from version 6 (5,5S and 5C already have significant restrictions), as well as in other devices of the manufacturer. Of the minuses, the following can be noted:

restriction on cooperation with partner banks;
high price of mobile devices supporting the service (even the cheapest model is much more expensive than the model of the Korean manufacturer);
only 4 models can bind to the system;
binding to a certain type of terminals that can read NFC chips;
the device manufacturer prohibits the use of chips for "foreign" applications;
mandatory presence of a fingerprint scanner.

Apple gadgets have their own payment platform - Apple Pay

How to set up NFC for payment with a Sberbank card

Let's take a look at how to configure this feature. First of all, you need to turn on short-range radio communication:

open "Settings" on your mobile device;
in the "Wireless networks" section, enable NFC (its absence indicates that the device does not support this function).

Next, you need to decide on the application. You can use any of Google Play, or you can choose the default one offered by the manufacturer. It is located in the "Contactless payment" menu. Then all that remains is to download the necessary cards using the latest version of Sberbank Online or Wallet. After the card appears in the list, you can proceed to pay by phone.

The instructions for setting up the NFC function are not at all complicated

Conclusion

Payment via a smartphone with a built-in NFC chip, offered by Sberbank, seems unrealistic for average Russians and does not inspire confidence yet. But soon, when contactless technology will be available for more budget mobile devices, paying with one touch of the smartphone will be as common as sending an SMS message to another person.