Innovative developments are increasingly being introduced into the banking sector. Another interesting project was presented by Sberbank: Apple Pay - Visa and Mastercard - is a simple and secure way to pay for purchases.
Compatible devices
Not so long ago, bank card holders were interested in when Apple Pay will work with Visa Sberbank? The excitement around this issue can be understood: Apple Pay is compatible with devices running on iOS and macOS operating systems, and greatly simplifies the process of payments both in stores and on the Internet. Devices eligible for this service include iPhone, iPad, Apple Watch, and Mac products released after 2014.
Apple Pay is compatible with:
- iPhone 6 or later and works in stores, apps, and websites in the Safari browser;
- Apple Watch (first generation, Series 1, Series 2) is accepted in stores, in applications;
- iPad Pro, iPad Air 2, iPad (5th generation), iPad mini 3, iPad mini 4 and later in apps and websites;
- Mac (MacBook Pro equipped with Touch ID, Mac 2012 or later, paired with an Apple Pay-enabled iPhone or Apple Watch) using the Safari browser with an Apple Watch or iPhone 6 or newer with Apple Pay enabled.
In Japan, Apple Pay requires an iPhone 7, iPhone 7 Plus, or Apple Watch Series 2 purchased in that country to pay for purchases and public transport services using Apple Pay.
How to connect Apple Pay
Connection is allowed under the following conditions:
- the device used must be equipped with a Touch ID fingerprint scanner;
- connected to the Internet;
- signed in to iCloud account.
iCloud by Apple is an Internet service, cloud storage. To sign in to iCloud, you need to go to "Settings", where you enter the personal ID of the owner of the device.
At the end of the connection process, the status of the card on the main page of Sberbank online will automatically change. After that, the technology should work.
iPhone
How to connect Apple Pay from Sberbank to Visa or Mastercard - if you use an iPhone, then you need to:
- install the Sberbank Online application;
- open it;
- go to the bank card page;
- press the button "Connect Apple Pay" or "Connect on iPhone";
- follow the instructions offered by the system;
- add a card to the Wallet app.
To confirm the operation, in response to manipulations in the process of connecting the card, Sberbank sends a one-time password. It must be entered in the appropriate line.
Another way to connect to the service is as follows - you need:
- enter the standard Wallet application for devices;
- touch the plus sign, which is located in the upper right corner of the screen;
- to link a card (both credit and debit) associated with an iTunes account, the card's security code is entered. You can also select "Add another card" and then using the camera you need to enter (take a picture with subsequent automatic recognition) data from the card form.
Apple Watch
To get started on Apple Watch, you need:
- enter Sberbank Online (if there is no application, install it first) on the iPhone;
- go to the card page;
- press the "Connect Apple Pay" or "Connect on Apple Watch" button;
- following the instructions provided by the bank service, add the card to the Wallet app on Apple Watch.
Connection to the service is possible in another way. For this you need:
- open the Apple Watch app on your iPhone;
- tap "Wallet and Apple Pay";
- select the link "Add a credit or debit card";
- to connect, the security code of the required card is entered. You can select "Add another card". Data from the card form is entered using the camera.
iPad
To connect Apple Pay on iPad you need:
- open "Settings";
- touch "Wallet and Apple Pay";
- follow the link "Add a credit or debit card";
- adding a card (credit or debit) linked to an iTunes account is done by entering its security code. You can also select the "Add another card" button. Then the card data is entered using the camera.
Terms of Use
The main purpose of the technology is to provide payment according to a simplified scheme in stores, in applications, in online stores, on websites, when touching the Touch ID of the device is enough to confirm the purchase.
This service is very convenient for those customers who have several cards. Thanks to the technology, you do not need to carry them with you, and there is no need to enter card data at the time of payment.
Apple Pay works with any payment terminals that support contactless payment, that is, accept contactless bank cards. A special icon "Buy with Apple Pay" helps to identify such devices.
Apple Pay is available at no additional charge, that is, completely free.
In the process of settlements in the terminals of stores, the connection of the used device to the Internet is not required. The process of interaction with the payment terminal is provided by contactless NFC technology.
Payment procedure through the payment terminal
How to pay with Apple Pay installed on iPhone:
- launch the Wallet app;
- select a card to perform the operation;
- put your finger on Touch ID;
- the device identifies the owner's fingerprint;
- bring the device to the payment terminal;
- “Done” will appear on the screen;
- the device will vibrate and give a sound signal;
- operation completed.
The Apple Watch billing process is as follows:
- enter password;
- press the side button twice;
- select the required card;
- rotate the device so that its display is facing the terminal;
- the terminal will inform you about the payment by a sound signal.
After completing a payment transaction, always check the terminal readings. This is necessary to ensure that the transaction completed successfully.
Payments in mobile applications and on the Internet
Paying with Apple Pay is possible in those mobile applications and on those Internet portals that are marked with the “Buy with Apple Pay” icon.
After choosing a product, you should pay according to the scheme:
- tap the Buy with Apple Pay icon;
- check the information about the purchase being made, personal data;
- On iPad, place your finger on Touch ID or double-press the side button on Apple Watch.
- A check mark will appear and the text “Done” will appear. This indicates the successful completion of the payment.
Types of Sberbank cards compatible with Apple Pay
Sberbank has ensured compatibility with both the Visa and Mastercard payment systems.
Debit cards
The following types of Visa debit cards can be connected to the service:
- Visa Momentum;
- Visa Classic with individual design;
- Visa Gold;
- Visa Platinum;
- Visa Infinite;
- "Give Life" Visa Classic;
- "Give Life" Visa Gold;
- "Give life" Visa Platinum;
- Aeroflot Visa Gold;
- Visa Signature Aeroflot.
Apple Pay is compatible with Mastercard debit cards such as:
- Mastercard Standard, including custom-designed forms;
- Mastercard Standard Contactless;
- Mastercard Platinum;
- Mastercard Gold;
- World Mastercard "Gold";
- World Mastercard Elite Sberbank First;
- Mastercard World Black Edition Premier;
- Mastercard Standard youth card, including cards with an individual design;
- Mastercard Standard Momentum.
Credit cards
Among Visa credit cards that can be connected to Apple Pay, the following stand out:
- Visa Momentum;
- Visa Classic;
- Visa Gold;
- Visa Signature;
- "Give Life" Visa Classic;
- "Give Life" Visa Gold;
- Aeroflot Visa Classic;
- Aeroflot Visa Gold.
Mastercard credit cards compatible with this technology:
- Mastercard Standard;
- Mastercard Gold;
- Youth card Mastercard Standard;
- Mastercard Credit Momentum.
Payment Security
The Apple Pay service ensures both the confidentiality of information and the financial security of users: when a card (credit or debit) is added, data about it, about its number, is not recorded on the device’s storage media, is not stored in its memory, and is not transferred to servers. Accordingly, it is simply impossible to steal the user's personal data. Even at the time of payment, the data on the card is not transferred anywhere.
The security of the contactless payment system is based on NFC technology. The range of data transfer via NFC is limited to a few centimeters, so it is almost impossible to bring the reader (terminal) close to the iPad unnoticed. This is the first protective barrier - physical.
However, scammers have already learned how to make non-standard readers that work at a distance of up to 80 cm. Such a compact scanner allows you to read contactless card data in any public places. A shielded wallet, or the next level of protection, cryptography helps protect against such devices. Since access to the device, including Apple Pay, is granted solely by the fact of identification of the owner's fingerprints, you should not allow anyone, including loved ones, to register their fingerprints on the device.
Another way to protect contactless payments is the EMV standard, which provides for the generation of one-time keys by a microchip at the request of the terminal. The resulting code is only suitable for one transaction. Therefore, even if they intercept it, they will no longer be able to use it to perform the next operation.
So far, no practically working EMV hacking scenario has been presented. NFC allows you to get data about a bank card, but in the absence of cryptographic keys stored by acquiring banks or payment systems, fraudulent actions are impossible. An exception is the participation in the crime of employees of these organizations.
The system provides additional protection in the form of a limit on the maximum purchase amount. If the payment amount exceeds 1,000 rubles, the equipment will ask you to enter a pin code.
An additional protective element of the service is that the connection is made in Sberbank Online, that is, on a portal with powerful protection.
The weak link in the security system of contactless payments is the quality of terminal settings of individual stores and organizations. Therefore, even when using Apple Pay, you must follow the basic rules of financial security:
- do not share your PIN with anyone;
- it is not recommended to register fingerprints of third parties on the device;
- you need to carefully monitor which applications are installed on the device;
- use an antivirus;
- connect "Mobile Banking".
At the slightest suspicion of problems with bank accounts, you should immediately contact the Sberbank support service at 900.
Visa announced the launch of Apple Pay in Russia. At the first stage, the service will be available to clients of Alfa-Bank and Tinkoff Bank. Ekaterina Petelina, General Director of Visa in Russia, informed Banki.ru about this.
“From today, we launched together with Alfa-Bank and Tinkoff Bank. This is a big project that we implemented on a very tight schedule,” she said in an interview with the Banki.ru portal.
According to Petelina, the service will also be provided to clients of other Russian banks.
“We are pleased that Alfa-Bank was one of the first to launch Apple Pay with Visa. Now, using Apple Pay, bank customers can easily download their card to their iPhone and use it as a means of payment wherever contactless payment is accepted,” says Tatyana Yarmola, Director of Products and Projects for Electronic Business at Alfa-Bank.
“The service is in great demand, the first thousand users connected in just half an hour, and the transaction turnover already amounts to several million dollars. Our customers use contactless payments all over the world, with purchases made in 36 countries. The age of the most adult client is 84 years old (and this is a woman),” said a representative of Alfa-Bank.
She also said that Alfa-Bank added a unique option to the service: “If a client has lost his plastic card, he can block the card itself and use mobile phone payments, this is especially true for travelers.”
Recall, in Russia since October 4. At the initial stage, only holders of MasterCard debit and credit cards could use Apple Pay. From November 1, the service became available. In particular, VTB 24, Alfa-Bank, Otkritie Bank, Binbank Group, Tinkoff Bank, Raiffeisenbank, Saint Petersburg Bank, MTS Bank and the mobile operator of the same name, as well as Yandex.Money announced the launch of Apple Pay. In addition, the Ubank financial marketplace announced the availability of Apple Pay for users. From the messages of the banks it followed that the service was available only to MasterCard cardholders.
Point-of-sale contactless payment with Apple Pay is supported on iPhone SE, iPhone 6 and later, and Apple Watch.
Read about how the Russian payment industry is developing in an interview with Ekaterina Petelina on the Banki.ru portal.
According to Banki.ru, as of February 1, 2020, the bank's net assets amounted to 599.11 billion rubles (18th place in Russia), capital (calculated in accordance with the requirements of the Central Bank of the Russian Federation) - 102.04 billion, loan portfolio - 387 .92 billion, liabilities to the population - 329.87 billion.
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Almost every day, technologies do not stop developing and surprise with their achievements.
Before connecting, you should study the setup instructions and the rules for using the service. With the help of technology, you can make payments from the card on the Internet, applications and at retail outlets.
You must first observe the following principles and perform actions:
- The presence of a Touch ID scanner. For the purpose of security of operations, it is forbidden to register fingerprints of relatives and friends to link to your smartphone.
- Registration in iCloud (occurs by entering an ID in the Settings application).
- Availability of a card.
- It must be added to Wallet (an application in your gadget).
The service is also available for owners of online stores. As part of the acquiring service, you can order the settings for receiving transfers via mobile devices on your applications and online stores. With this opportunity, you expand the circle of your customers, provide them with the opportunity to save time when paying and keep up with modern technologies.
How to connect Apple Pay on mobile?
It is possible to connect and use the application on iPhone, smart watch and iPad. Let's consider how to configure each of them in more detail.
Connection steps
Connecting to iPhone
The instruction has two variations, depending on the chosen method. The first way is to set it up through the Internet banking service by downloading the application first. This can be done through the institution's website for free.
- Log in to Sberbank Online.
- Choose a plastic from the list of your products, go to its page.
- Click "Connect to iPhone".
- Next, you need to follow the instructions to link the card: you do not need to scan or enter any personal information.
- Check the status of the selected plastic, it should change.
The second way is to use the Wallet app. Having visited it, you must click on the add icon (plus sign).
Here, choose one of the options available to you:
- Add a product associated with an iTunes account. The service will request a verification code for this plastic.
- In the absence of such an opportunity, you need to select the item "add another". In this case, you need to use the iPhone's camera to transfer data using your plastic (it must be available at the time of activation).
How to use the system on Apple Watch and iPad?
Separately, it is worth noting the safety of this technology. Data about the card product is not stored on the iPhone, and therefore, even if it is lost, outsiders will not be able to use it. And at the time of payment, no confidential information is transmitted. Another person will not be able to perform the operation for you, because the procedure involves the interaction of Touch ID and the use of contactless technology.
How to use the service is described in detail in this manual:
- If you need to make a payment, bring your mobile device to the terminal.
- Place your finger on the fingerprint scanner button.
- A light vibration and a sound signal will serve as a signal for depositing money.
To use the "smart watch" when paying, you need to double-click on the side button and turn it over with the display towards the terminal. Confirmation of the passage of the operation occurs by means of a sound signal.
Instructions for paying for purchases using the new contactless technology.