Mastercard standard contactless. PayPass and PayWave contactless cards - a new level of security and speed of shopping in stores

Contactless payment for purchases by 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 immensely popular. Carrying out payment transactions without the obligatory 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 paying with bank cards - one of the last words in the latest in modern technologies

Contactless payment by Sberbank phone is based on NFC technology. It is based on the principle of wireless communication with a short range. To activate it, devices that have 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 during a monetary transaction and the card details do not appear, a high level of confidentiality is ensured.

The mechanism for implementing 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 the smartphone to the terminal, and in a matter of seconds, 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 it like this:

the NFC symbol may be on the smartphone case 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 such adapters.

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

the transaction takes place instantly;
high level of reliability and safety;
use on the territory of the Russian Federation and beyond its borders, where there are only 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, including the MIR payment system, are suitable for making payments using a mobile device, except for Maestro and Visa Electron cards.

Almost all issued cards 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 policy of smartphone manufacturers. If you are in the process of choosing, then you need to consider the features of all services.

Android Pay

Android Pay is a payment system from Google, built into smartphones based on the Android OS.

Android Pay is specifically designed for Android mobile devices.

Distinctive advantages include:

a huge number of banks connected to this payment system;
the presence of a built-in link to the application of bonus cards;
receiving additional bonuses when paying for goods or participating in various promotions;
no scanner is required in the smartphone, identification and security is achieved by entering a PIN code or a graphic 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 may 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 use of devices in traditional terminals;
more choice of partner banks.

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 in the presence of a fingerprint scanner. In fact, the advantages of Sumsung Pay are not in the features of the system itself, but in the great possibilities of the manufacturer's models. The key advantage is the ability to pay for purchases and services in terminals of any type.

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

Apple Pay

In the Russian Federation, Sberbank was the first bank to start working with the Apple Pay service, and is still the only one with whom the developer company cooperates. The payment system is used only in flagship iPhone models, starting with version 6 (5.5S and 5C already have significant limitations), as well as in other devices from 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 be linked 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 to pay with a Sberbank card

Let's see how to set up this feature. First of all, you need to turn on the short-range radio communication:

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

The next step is to decide on the application. You can use any of the Google Play, or you can choose the default 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.

Instructions for setting up the NFC function are not complicated at all

Conclusion

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

Foreign banking systems have been using contactless payment methods for a long time, and for Russians this is just a novelty, causing some concerns about the safety of their own funds. Consider contactless cards of Sberbank, the pros and cons of their use.

Making payments has become completely easy and fast, with a minimum of effort

Sberbank contactless card - what is it? Cards of this kind look no different from traditional ones, but they have one difference - a special icon. In all other respects, they have the same parameters known to everyone - number, CVV code, expiration date and personal data of the owner. Their capabilities are similar to all existing banking products of this kind:

they are used as a convenient tool for storing money;
with their help, you can make any transactions on the territory of the Russian Federation and abroad;
allow you to pay for goods and services in real and online mode;
replenish the account and withdraw cash from the account;
make money transfers;
remotely manage the account using the Mobile Bank and the Bank's Online Service.

To understand whether your card supports touchless payment technology, you need to carefully examine the plastic

What does the principle of operation of a contactless Sberbank card mean? Its main difference is a built-in chip with a special radio antenna (PFID-tag), which allows you to transmit information about the payment over the air. Therefore, there is no need to enter a PIN code for identification. The main condition for carrying out an operation using a radio signal is the presence of a special POS terminal capable of receiving this signal.

Touchless payment has been used in other countries for some time and has proven itself

How to use a contactless Sberbank card

Today, POS-terminals are installed in supermarkets, shopping centers, popular catering chains in large Russian cities. You can make a payment where the MasterCard PayPass and Visa PayWave logos are installed.

Consider how to use a contactless Sberbank card. The algorithm of actions is quite simple, which is the advantage of contactless plastic:

find out the amount of the payment;
bring the plastic to the screen of the reader;
if the check amount is more than 1,000 rubles, you will need to enter a PIN code, otherwise it will not be needed;
the terminal will emit a sound signal and a message about the transaction will appear on the screen.

To make a payment with a touchless card, you need to take three simple steps

It is worth noting one point - if there is no special terminal in a trade or other organization where payment is required, then the card will work like all ordinary plastics.

How to get the

Today, the bank offers 2 contactless payment technologies - PayWave and PayPass. The only difference is that the first is used for the Visa payment system, and the second for MasterCard. The line of bank plastics includes debit MasterCard and Visa Classik, debit and credit Visa Gold Aeroflot, Word MasterCard Black Edition Premier and Platinum ("Premier" and "Give Life").

To become the owner of plastic with touchless payment technology, you need to take only three steps

For MasterCard cardholders, Samsung Pay and Apple Pay services are used.

Conditions for obtaining a contactless Sberbank card:

select the desired card type;
apply to the bank branch with a document confirming the identity of the applicant (for debit);
for a credit, in addition to a passport, you will need certificates of income and work experience;
processing takes up to 10 days.

You can get a card on the day of contacting the bank by first filling out an online application on the website.

Tariffs and terms of provision

The following conditions are set for registration:

the age of the recipient - for the main plastics - 14 years old and from 7 years old for additional ones;
permanent or temporary registration in the Russian Federation.

Additional features

In Moscow, the card has found an additional application - paying for the metro and public transport using the Troika application. Residents of other cities got acquainted with a similar service.

Other possibilities are also provided:

issue of additional cards with similar technology;
remote control through the Online Service and Mobile Banking;
using auto payment to pay for various services;
link to electronic wallets;
activation of the bonus program "Thank you".

A contactless card has a number of its features

Sberbank contactless cards: pros and cons

The popularity of the innovative product is explained by the advantages of the Sberbank contactless card. These include the following positive points:

convenient payment option - there is no need to enter plastic into the payment terminal;
high speed - the transaction takes a few seconds (fraudsters will not have enough time to intercept the data);
for payments up to 1 thousand rubles, there is no need to enter a PIN code;
money will not be debited twice for one purchase, after payment, the terminal emits a beep and immediately turns off;
higher service life due to the absence of possible damage and demagnetization, as happens in conventional cards with constant contact with the terminal;
the card is always in the hands of the client, which significantly increases the security of its use;
ease of use allows the technology to be used in various fields.

Like any product, contactless debit and other products of this type have their drawbacks. Most of them are related to technical issues.

The advantages of the card can be appreciated by each of its owners

The main problem is the insufficient number of special POS terminals required for transactions. As a rule, the owners of retail outlets focus on the bulk of buyers who own traditional plastics, so they are in no hurry to install innovative terminals and spend additional funds on this. This limits the further use of the contactless payment method for goods and services. But every year the situation is changing for the better: afraid of losing solvent customers, the owners of retail chains begin to “promote” a new product.

The advantages of such a service are devalued by the established limit of 1 thousand rubles. with a one-time purchase. For residents of megacities, the average check size usually exceeds this amount, so you have to enter a PIN code, as in ordinary plastics.

Fraudsters are also interested in the innovative payment method, and there are already cases of using homemade RFID readers. The only way to protect against this is various covers that shield the radio signal.

Today everyone knows that time is money, and plastic saves you time, and therefore money.

Conclusion

Gradually, contactless payment methods are becoming familiar to Russians, and among a more progressively minded category of the population, they have gained sufficient popularity. Despite the fact that this is a comparative innovation for the banking system of the Russian Federation, and there are still a number of problems in service, the Sberbank contactless card is a convenient tool with a high level of security. Every year, the institution expands the range of banking products, including classic and premium offers.

The world-class popular payment system MasterCard issues contactless plastic cards.

With their help, the owner can pay for any purchase with one touch of POS-terminals. VTB Bank offers its customers to order debit and credit cards with PayPass technology.

Benefits of contactless cards from VTB with PayPass

One-touch cashless payments are accepted at all outlets equipped with POS-terminals. MasterCard cards with PayPass technology from VTB have a chip platform and a higher degree of security than plastic cards with magnetic stripes.

VTB Bank offers customers the production of debit cards and credit cards with two service interfaces - with a magnetic stripe and a contactless chip that transmits data without contact with the payment terminal.

The advantages of cards with contactless payment technology for purchases include:

instant transfer of funds to the seller;
the ability to pay for a product or service anywhere in the world;
the simplicity of this operation;
low risk of possible fraudulent activities.

If the transaction price does not exceed 1 thousand rubles, the client, as a rule, does not need to enter a PIN code into the POS terminal. If the purchase is more expensive, for security reasons, the cardholder will need to confirm payment for the goods or services.

How to connect PayPass to a VTB card?

If you have a plastic card that does not have contactless technology, you will not be able to install PayPass on it. The client can order the production of a new card with a chip that allows you to pay with one touch of the POS-terminal.

Choose the tariff you are interested in and study the terms of its service. For example, VTB customers can order the production of a Muscovite's social card MasterCard Standard and a MasterCard Super3 debit card with a built-in Troika transport application that work with PayPass.

If you are not sure whether it is possible to issue a contactless card, check this information with a specialist by contacting VTB Bank or by calling the call center.

The active development of innovative technologies has also affected the banking sector. Plastic cards successfully replace the press of banknotes, while there is no need to calculate how much cash you need to take with you. Many citizens do not even know about the PayPass system: what it is, how to use the card, its options. A third of the card users do not understand why the Wi-Fi sign is drawn on the card, as well as how the functionality itself works.

PayPass option - what is it

PayPass contactless payment technology is a special system that allows you to make payments of a certain denomination without a card. To do this, retail outlets are equipped with multifunctional readers for servicing such devices.

Here it is important to convey to the majority of the population the convenience, reliability, ease of use of this option. Paypass contactless payment technology allows you to make settlements with the seller of goods or services in a matter of seconds. In the future, this will pay off the owners by increasing the segment of the market of loyal users.

The Pay Pass system started in 2003. Initially, the first copies were used only as test options. But since 2005, the mass release of this card product to the world markets began, and in 2008 they appeared in Russia.

The official representative of the technology is MasterCard.

This is a European company that issues all cards under the MasterCard brand. It is planned in the near future to introduce coverage with terminals for servicing contactless payments throughout Europe, including Eastern.

Potential owners of terminals with the function of reading information from microchips can be:

transport companies;
bistro;
school canteens;
fast food restaurants;
student cafes.

The ability to carry out settlement operations instantly will significantly reduce queues in these organizations. This, in turn, will allow you to serve more customers and increase your daily profit. That is why it is worth investing once in the purchase of readers for Pie Pass devices.

Paypass technology is being actively introduced into society

Devices that provide contactless payments

A card with a PayPass function does not differ much in appearance from a regular plastic card. A special chip built into the card is responsible for providing the functionality. The merchant is obliged to notify customers about the availability of terminals for servicing Pay Pass devices. This is done by placing a special sticker next to the cash registers for customers.

In addition to cards, contactless payment technology is applicable to key fobs, mobile phones, bracelets, and watches.

NFC technologies

The fast payment device chip is based on the development of short-range information exchange technology. Such communication is carried out at high frequencies and is called near field communication (NFC).

This explains how the calculation system works when a high-frequency signal is applied to the Pypass device.

In addition to the chip, special stickers are also produced that have the same functions. It is convenient to stick it on the object that is most convenient for the client to use.

In the near future, progressive customers will be able to make payments using their mobile phones. The proper level of security is ensured thanks to the EMV system - Europay, MasterCard, Visa, as well as the MDES service - MasterCard Digital Enablement Service. Let's consider them in more detail:

APPLE PAY- already successfully functioning, the owners of mobile phones of this brand have the opportunity to pay with the cashier by bringing the device to the terminal. At the same time, you need to touch the "Touch ID" scanner;
SAMSUNG PAY- is not yet available for all models, the innovation is built in mainly in new models.
ANDROID PAY- is under development.

NFC technology is also used in large-scale public events. To identify event participants, they provide bracelets with embedded chips. Passing through the turnstiles, the participant passes the registration quickly and conveniently.

A bank card with the Paypass system is issued in a standard way

Registration of a banking product with the PayPass function

Many customers are puzzled by the question - how to connect paypass. You don't need to make any special efforts to do this. It is enough to contact a specialist in servicing individuals in a banking institution. So far, not all banks are ready to provide such a service as a card with the function of contactless reading of information.

Before you go to the bank to apply for a Pay Pass card, it will not be superfluous to find out on what conditions this option is provided. This will avoid many misunderstandings in future maintenance.

A package of documents will be required as for a regular bank card:

customer application form;
passport of a citizen of the Russian Federation;
a special digital code issued by the tax office.

If this is the first appeal to a financial institution, then you will need to provide the originals of all necessary documents. However, if the client is already served by the bank, then additional documents will not be required.

So far, not all banks have the opportunity to offer their customers such a service. Below in the table we will consider the main tariffs for the service:

Name of the financial institution	Type of banking product PayPass	Issue cost	Service per year
Sberbank	classic debit card	for free	750 rubles in the first year, 450 in subsequent years
Raiffeisenbank	my alpha	for free	699 rubles per year
Alfa Bank	buy and fly card	not charged	3000 rubles
Moscow Industrial Bank	Fresh card WORLD	no release fee	99 rubles per month
Tinkoff	S7-Tinkoff	no release fee	1890 rubles per year

Basically, a separate fee for the PayPass functionality is not charged; the cost of annual maintenance already includes the release of a special chip. You can order a card without even leaving your home by filling out an application on the website of a financial company. In large cities, many banks can provide a mobile banker for home service. It will take about two working weeks to produce a personalized card.

Chip card payments are considered safer than magnetic stripe payments.

Safety in use

Many service owners are interested in how to use the functionality safely, since fraudulent transactions are not uncommon in our time.

In order to protect customers from downloading funds from a contactless card, a limit has been set without a PIN code - no more than 100 rubles per transaction.

Therefore, if a card is lost or stolen, it is important to immediately block the account. For most customers, after making a payment by card, they instantly receive an SMS about the debiting of resources from the card. Thanks to this, other people's spending on the map can be noticed quickly. Transferring the card to third parties is strictly prohibited.

The security of the operations themselves today is at the proper level:

The data used in the calculations is minimal, so hackers cannot get the desired information for fraud.
The duration of the financial transaction is also reduced to a minimum and does not allow unauthorized persons to intercept the necessary statements.
Immediately after servicing the client, the terminal stops its work without saving data.
Each transaction is encrypted and cannot be used multiple times in a row.

It should be remembered that any chipped items should not be stored near TVs, computers and any other equipment that emits frequency vibrations. So the device quickly demagnetizes, ceasing to function. In most cases, the reissue of the card will be paid, since its validity period has not yet expired.

How to cancel the service

There are situations when a client decides to stop using the Paypass service. In this case, there is a need for the correct procedure for disabling the functionality. How to disable the service will be correctly prompted by a specialist in a banking institution.

When it is not possible to personally visit the office of the company, you can disable the service through your personal account. Also, some banks provide customer service by phone. To do this, you need to call the bank's hotline, following the further instructions of the specialist, confirm your intention.

Paypass system has more pros than cons

Advantages and disadvantages of the service

Like any progressive product, the PayPass option has both positive and negative qualities. Each client individually decides on the benefits of such a service. Consider the main advantages:

Lightning speed of making settlements with buyers of goods and services in trading enterprises.
No need to contact the cashier to make payment; this option significantly reduces the payment procedure itself, because sometimes cashiers delay the terminal payment due to their incompetence.
There is no need to enter a secret code on the terminal.
Attractive appearance of the card due to less mechanical exposure.
Recently, PayPass is often used by parents to control their child's spending at school. In this case, a contactless card is issued as an additional to the parent's main account. Management occurs only from the main account, and for each expense, the account holder receives an SMS report.

Among the shortcomings, the limited number of enterprises that use terminals to accept contactless payment devices for purchases remains a global problem. The equipment is expensive, so not every owner can afford to install this innovation.

In modern society, paying by card is considered a fairly everyday procedure. However, contactless payments have not yet acquired the status of everyday. The trust of the population has not yet grown enough to massively use the Paypass service for daily payments in trade organizations.

(3 ratings, average: 5,00 out of 5)

Today's innovations in the field of technology, appearing in the world, are designed to make life easier. Such became the well-known services Mastercard Pay Pass and Visa Paywave. The definition of contactless payment can be heard quite often, since it can be used to make absolutely any purchase without a card.

About Visa Paywave

Initially, the first experiments with contactless payment took place in the United States. As soon as the first successes appeared, and the device really started to work, they began to introduce it into cafes and popular restaurants, where there are always a lot of customers. Seeing that due to such a device it is possible to increase the number of customers served and ensure a good increase in profits, Japan, Canada, and the Philippines followed the example of American businessmen.

Over time, multiple terminals appeared that supported the contactless payment service, and banks began to develop new plastic products to implement this system. The founder of the famous service on the territory of the Russian Federation was the invention of Mastercard called Pay Pass.

The active development and implementation of the system dates back to 2008, when one of the famous Five Star restaurants announced the possibility of using the contactless method by invoice. To date, Visa Paywave is starting to catch up with the already famous Pay Pass in terms of ratings. Sberbank is one of the first banks to support the growth prospects of this service.

Like the famous Pay Pass, Paywave's main goal is to simplify the process of paying for services. Cards equipped with PayWave technology require a special NFC chip and a special antenna. Due to them, there is an instant write-off of funds without direct contact with the terminal. The device at a short distance makes it clear how much you need to pay and sends a corresponding request to deduct it.

It should be noted that due to the use of this terminal, it is possible to exclude the possibility of re-debiting, since after the operation is completed, the contact between the card and the terminal is interrupted.

If a person has several cards with this function, then most likely the payment simply will not happen, and the money will remain safe and sound.

Speaking about how to use the card, there is nothing difficult here. In some cases, you can even not get it out of your wallet. There are others Features of using Visa Pay Wave:

1. Today there is limit of 1000 rubles. If the payment amount exceeds, then you may need to enter a pin code or signature on the check.

2. Pay with Pay Wave compatible with Pay Pass terminals. However, here it is necessary to take into account the certification of the acquiring bank.

Using a card with contactless payment is very convenient for business people who count every minute. Recently, even modern smartphones have begun to possess such technology, which plays a significant role in creating comfortable payment conditions.

Turnstiles at metro stations with Paywave and Paypass

Subway pass payment is one of the most popular features used by Pay Wave payment.

You can replenish the account of the Troika transport card or just buy a ticket, you can in the following way:

We apply a card with the Pay Wave function to a special device, where there is a mark in the form of the corresponding Visa logo
We are waiting for the payment to go through and the information board will show the inscription: "Approved, you can go through."
The cost of the purchased ticket is automatically deducted from the account

Cards with system support in Sberbank

To date, there are only three plastic products from Sberbank PJSC that can please their owners with the possibility of contactless payment:

1. Classic map. This is a debit product that does not include the ability to connect a credit limit. The first year of service is 750 rubles, and the subsequent 450 rubles.

2. Debit and credit line of Aeroflot gold cards. This product is remarkable for those who often go on trips and travel with the famous Aeroflot airlines. So, for example, for each purchased ticket, you can collect miles, and later pay them for anything.

And although special devices have already been found that can read this chip, today the developers devote a lot of time to this area and continue to work on improving the system. It is worth noting that even the most notorious payment limit of 1000 rubles is already a small protective mechanism.

As an independent security measure, it can place the card in a plastic or metal case, which strongly jams the signal, so it will become inaccessible to scammers.

On the territory of the Russian Federation, Visa Pay Wave is considered one of the most popular methods of contactless payment. It really saves time and is great for use in an urban metropolis, when every minute counts. However, this is not the safest method of storing money, so it is best to provide yourself with minimal means of protection (purchase a cover for the card, or keep it away from the edge of the bag).