How to activate contactless payment on qiwi card

“Every time I use payWave, I feel delighted and feel that I live in the future” – many of us often hear this compliment about technology from our acquaintances. In fact, the evolution of non-cash payments has taken place so quickly that not everyone in the conservative financial sector is keeping up with its progress, however, it would be worse on the contrary. Almost every ten years there is a small upheaval, and we are less likely to think about the need to carry a supply of cash with us. Some 57 years ago, Visa issued paper bank cards, and after that, more than once started the engine of progress. A magnetic stripe card in the 70s, chipped plastic in the 86s, payWave in 2002 – and now we have already fallen in love with the development of technology so much that we are too lazy to carry not only coins and paper money, but even bank cards! It’s time for the fourth pull.

How did it happen?

Smartphones are gradually replacing wallets. With their help, we can buy food and order our favorite dishes from restaurants, pay for flights and book a hotel, call a taxi and much, much more. All these are stories about the Internet and online shopping, but the debut of smartphones offline would be a logical step in the further development of financial technologies. However, the use of mobile devices for payment has already become a reality – millions of people around the world can attach a smartphone to a contactless payment terminal and save themselves from having to take out their wallet. At this point, an important question arises: “Why?”

Skeptics may call the technology of payments using a smartphone redundant if you have a bank card with payWave – is it difficult to get a wallet at the checkout and pay with one touch? Of course no. Contactless cards are a wonderful invention that saves time and makes our lives a little easier, so I am by no means trying to downplay their importance. But let’s look at the situation from a different angle. What are you more likely to forget at home: a smartphone or a wallet? Nowadays, mobile devices have become almost an extension of the hand, so we try our best to avoid the discomfort of not having a smartphone. In addition, it is far from always convenient to take a massive wallet with you, one card is easy to lose, and card holders for plastic and a couple of banknotes are not very popular in our country. As a result, a smartphone with support for contactless payment technology becomes a panacea in situations where you need to leave the house light, and solves the problem of a forgotten wallet.

What about contactless payment from a smartphone in Russia?

In August, Visa and QIWI announced the launch of contactless payment using a smartphone in Russia. This was made possible by integrating Visa payWave contactless technology into the functionality of the Visa QIWI Wallet. The technology is available to all owners of mobile devices with NFC based on Android 4.4 or newer versions of the operating system. Now, millions of e-wallet users will be able to pay with their mobile device wherever Visa payWave contactless cards are accepted for payment.

If we talk about contactless payments in general, over the past year the number of transactions using Visa payWave technology in Russia has quadrupled, their volume has increased seven times, and most importantly, the number of terminals supporting one-touch payment is constantly growing . By integrating contactless payments into the QIWI electronic wallet, even more people will be able to try Visa payWave, and most importantly, you can do it in the most advanced and high-tech way – using a smartphone.

How does it work?

The technology of secure contactless payments using applications on Android devices was introduced by Google in 2013 simultaneously with the release of the operating system update to version 4.3. Host Card Emulation (HCE) – the ability to emulate a smart card on Android devices with NFC support at the software level and make payments from a smartphone. Many companies have become interested in this for working with finances, issuing loyalty cards, paying for transport, and so on. Visa announced its support for HCE at the Mobile World Congress in 2014, and this technology formed the basis of Visa QIWI Wallet.

However, it was possible to use a smartphone to pay before, but before the advent of Android KitKat, the NFC chip in a smartphone could work in card emulation mode only using a security element (Secure Element), which could be built into the device, located on the SIM card or microSD. The need to use an additional “iron” module entailed such problems as lack of flexibility in use, insufficient distribution, as well as competition between suppliers and the need for user trust in the Secure Element manufacturer.

As a result, HCE became a godsend for both users and companies, allowing a mobile device with an NFC chip to emulate a contactless card only through software. Host Card Emulation is, in fact, a virtual bank card, the data of which is stored directly on a smartphone or in the cloud. Upon contact with the reader in the terminal, the NFC chip transmits all the necessary information about the card and allows you to make purchases with one touch of the mobile device to the reader. This is made possible by the fact that NFC uses the same ISO 14443 data encryption standard that is used in bank cards and electronic travel cards. Thus, full compatibility of the NFC chip in smartphones, contactless cards and existing infrastructure on the side of organizations is ensured.

With regard to security, Visa does not disclose all the features of working with contactless payments from a smartphone, however, the company’s specialists have developed a special set of measures to protect payments. From the user’s point of view, this only means that mobile applications will not work on smartphones with root access, when NFC data transmission can be compromised by malicious applications. In fact, Visa specialists work closely with partners on security issues, so paying with a smartphone is no more dangerous than in the traditional way.

How to use it?

Let’s say you have an NFC-enabled smartphone running Android 4.4, and you already have the latest version of the Visa QIWI Wallet app installed on it. After that, it remains only to replenish the account in any of the QIWI terminals, of which there are more than 100,000 throughout Russia. You can also “link” a bank card to your account or transfer the required amount of money from your mobile phone account. Regarding the need to transfer funds to the Wallet account to pay for purchases using a smartphone, Visa and QIWI note that their specialists are already working to ensure that the Visa QIWI Wallet application for contactless payments can work directly with a linked card.

Continuing to talk about technical nuances, it is worth paying attention to new users of Visa QIWI Wallet that according to Russian law, personal data is required for large money transfers and some payments. Initially, the client receives the status of “Anonymous”, which implies a balance limit of 15,000 rubles on the balance sheet, a limit on total payments per month of 40,000 rubles, and a limit on the amount of one payment of 15,000 rubles. If this is not enough, you can get the “Standard” status after specifying passport data or go through full identification to switch to “Maximum”. Read more about this in the information section on the QIWI website.

When there is the necessary amount of money on the Wallet account and there is a terminal with contactless payment support at the checkout, all that remains is a smartphone and attach it as if it were a regular bank card with payWave support. It is not necessary to launch the Visa QIWI Wallet application. As is the case with contactless payments, purchases up to 1,000 rubles are made without entering a PIN code, and larger expenses will have to be confirmed. As a nice bonus, it is worth noting the opportunity to feel like the most high-tech person in line, catch a few surprised looks from buyers and see the amazement on the face of the seller after performing such a trick. However, trying to pay for a purchase with a smartphone actually turns out to be much more interesting than just reading about it.

What are the alternatives?

Currently, Visa QIWI Wallet is the only mass tool for contactless payment using a smartphone in Russia. Solutions using a separate Secure Element chip cannot be called widespread and popular, especially when compared with the number of Visa QIWI Wallet users and owners of compatible smartphones. Payment products of other companies do not work in Russia and the situation is unlikely to change in the foreseeable future. However, it is no less interesting to find out what exactly is available for contactless payment from a smartphone in other countries.

The big three technology companies, Apple, Google and Samsung, decided to try their hand at the financial sector. It can hardly be said that they have a direct interest in this area. Unlike Visa, they do not promote their main product, but they try to accustom users to new services and reduce the likelihood of leaving the ecosystem for competitors. Google Wallet, Apple Pay and Samsung Pay are the three big players in the contactless smartphone payment market.

Apple Pay and Samsung Pay work directly with users’ bank cards. The information from the plastic is digitized and replaced with a certain dynamic code that is stored in the Secure Element on the user’s device. When paying, data is also transmitted using an NFC chip, however, at the time of the transaction, a newly generated key is sent each time, and not confidential card data. On the one hand, this can be called the best and most convenient solution, but there is a problem that it is available only on a small number of devices, and the pace of implementation and entering new markets leaves much to be desired.

How Google Wallet works is different from the first two services, because in this case we are talking about supporting a large number of devices from different manufacturers, and not a limited list of models. In technical terms, this resembles the work of Visa QIWI Wallet, that is, an application is used where the user has a separate personal account with a certain amount of money. It is also possible to optionally order a real bank card Google Wallet Card to receive cash at ATMs and pay for goods in stores without support for contactless payments. The issue of a real card is also available for Visa QIWI Wallet users.

However, I have already said that it makes no sense to make plans for the appearance of these three services in Russia in the near future. Samsung is just getting ready to launch Samsung Pay. Apple Pay works in so many countries that you can count them on the fingers of one hand, and the service itself has a number of limitations and is developing quite slowly due to the need to find partners who will work with such contactless payments. The Google Wallet Card service, in turn, is only available in the United States.

After MasterCard and Visa left Russia, many of us discovered the Qiwi payment service. Not only did it allow you to replenish your App Store and Google Play accounts at first, but it also gave – and still gives – the opportunity to pay for purchases on Aliexpress in dollars at a favorable rate. True, over time, app stores turned off Qiwi, but the habit of using the service has not disappeared for the majority. On the contrary, many even wanted to pay with Qiwi using their phone in stores. But if it wasn’t possible before, now it is. Albeit somewhat indirectly.

Qiwi started issuing its own Mir cards that allow you to pay by phone

Unfortunately, the Qiwi service itself did not work for contactless payment. That is, it is impossible to pay from his account by choosing it as the default payment method even on Android. However, the service began to issue its own cards of the Mir payment system, which can be linked to other services and pay for purchases already with their help, using only a smartphone for this.

How to get a Qiwi card

In order to link the World map from Qiwi, it must first be released. The service offers two types of cards. The first is the most common, physical, and the second is virtual, which is issued instantly. The most convenient, of course, will be a virtual machine, because it costs less, and you can get it immediately after payment. However, for your convenience, I will show you how to release both.

First, let’s figure out how to issue a physical card. I deliberately call it physical, not plastic, because there is no plastic in the card. It’s made from recycled corn – eco-friendly and all:

• Launch the Qiwi App on Android;
• Open the “Maps” tab and select the corn physical map World;

A physical card costs one and a half times more than a virtual one

• Fill in your full name, specify the delivery address and choose delivery by Russian Post (it will be free, unlike courier);
• Pay for the issue of the card from your Qiwi account or from another linked card and wait for it to arrive.

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Issuing a Qiwi virtual World map is even easier. Due to the fact that it is not named and is delivered immediately to the application, you will not have to specify any data:

• Launch the Qiwi application on your smartphone;
• Go to the “Maps” tab and select the virtual map World;

Virtual card is cheaper and more convenient

• Confirm the card and go to the payment page;
• Pay for the issue of the Mir card, and at the same moment you can start using it.

Pay Qiwi from phone

Now you can add the issued card to any of the two payment services that you have on your smartphone: Samsung Pay or Mir Pay. You can read about how to do this in this article. It describes in detail the process of linking a card, regardless of the format of its release, as well as possible problems that you may encounter and how to fix them.

Add a Qiwi card to Mir Pay and pay by phone contactless

You can pay for purchases with a Mir card from the Qiwi service using a phone in Russia without restrictions. Since the transactions are carried out by the National Payment System, your payments will be accepted in all stores where there is a contactless payment terminal. Therefore, there will be no problems with the reception of problems at home. Another thing is that abroad you may not even accept the card itself, not to mention paying by phone.

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In general, the Qiwi World map has no other shortcomings. Unless someone may be confused by the conditions, but I will not bring them here. In the end, the article is not about the card as such – you can read about it on the relevant resources – but about how to use contactless payment services. And since all the conditions are specified when registering in the Qiwi application, I no longer see the point in dwelling on this.

• New to Android
• Applications for Android

How to activate qiwi contactless payment?

Holders of QIWI payWave, QIWI payWave or QIWI Teamplay cards can use Visa payWave contactless payments: touch the card to the POS-terminal at the checkout, and the money will be debited from the account. Before the first contactless payment, you must pay once with a chip card and enter your PIN code.

How to buy an app on google play without a credit card?

Debit to phone account

If you wish, you can make purchases on Google Play without a credit card, even using direct debit to your phone bill. Thus, you can use the balance on the SIM card inserted in your phone to pay for purchases in the Play Store.

How to pay with a virtual card?

It is most convenient to pay with a virtual card on the Internet – just enter its details (number, expiration date, CVC code) on the store’s website. To pay with a virtual card in regular stores, link it to Apple Pay, Samsung Pay or Google Pay and tap the gadget to payment terminals.

How to pay with a qiwi card from your phone?

• Select the payment method “From mobile balance” and click the “Pay” button.
• You will receive an SMS from the operator with instructions to confirm the payment.

How to open Google Pay?

Follow this instruction:

How to pay with a virtual qiwi card?

QIWI virtual card

• Pay at the store Add a card to your smartphone and pay for purchases at the checkout via Google Pay and Samsung Pay.
• How to recharge the card

What does a warehouse manager do? What does a woman do all her life and a man once in a lifetime? What does a giraffe do? What is done to purify water? What do assistants do? What do they do for free in dentistry under a policy? in a poem? What is made from Karelian birch? What is made from cowhide?

How to put money on google play via qiwi?

Now you can pay for purchases on Google Play using “Qiwi Wallet”. If you use an Android smartphone or tablet, then from November 18 you can buy apps, books, games and music through the payment service. Previously, only payment by bank card, Paypal or mobile account was available on Google Play.

How to use Qiwi card?

https://youtube.com/watch?v=FsOXsPuZoJM%3Ffeature%3Doembed

To start using the card, activate it:

• on the website in the “Bank cards” section.
• by sending an SMS to 7494 or 8 925 424-74-94 with the text QVP and card number separated by a space. Example: QVP 4693950000000001.

How to link a virtual card to Google Play?

• Swipe up from the bottom of the screen.
• Take a picture or enter her details manually.
• If you are prompted to verify your payment method, select a verification method from the list.
• Enter the verification code.

How to link qiwi map to google play?

How to link QIWI Visa Card in Google Play:

How to link qiwi wallet to google pay?

If you have an Android device:

How to shop on google play?

How to make a purchase using a promo code

• Find the content you want to purchase.
• Start placing an order.
• Click on the down arrow next to the payment method.
• Select Activate promo code.
• Complete your order by following the instructions on the screen.

Where did the British names of the days of the week come from? Where did the name Italy come from? Where did the name kiwi come from? Where did the name Crimea come from? Where did the name dumplings come from? Where did the name Pskov come from? America is called that way and not Colombia? Why is Anapa called that?

What cards can be added to google pay?

In addition to credit and debit cards, you can store loyalty cards, as well as bonus, club and gift cards in the Google Pay app. To connect such a card, the user needs to scan its barcode using a phone.

Is it possible to use google pay without nfc?

https://youtube.com/watch?v=P5aJNg7XLFw%3Ffeature%3Doembed

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with registration on the site

Plastic bank cards have firmly entered the daily life of people. Already without this accessory
almost no one leaves the house – they eliminate the need to carry paper
banknotes and coins, when lost, are easily blocked without losing funds, easy to use. Last
an innovation was the release of plastic, equipped with a special technology that allows its owner
pay at all points of sale without entering a PIN code and without even inserting it into the payment
terminal. Despite the convenience of this method of calculation, the question arises about the safety of its application.
Our article will tell you what are read-protected bank credit card cases,
what they are and how they can protect your finances from theft.

What is the danger of contactless payment

Technology does not stand still, thanks to which, not so long ago, the payment system entered a new one
level. Now, to make purchases, it is not necessary to carry the usual trifle with you or
a wallet with a large amount of money, just take a small plastic card with you. She has
a lot of advantages – compact, convenient, easy to use, unlike cash,
if you lose it, you can freeze your bank account, thereby saving your funds.

However, this method of making payments has a downside. When performing a transaction on
an amount equivalent to or less than 999 rubles. the payment terminal automatically writes off finances, not
asking for a pin code. This feature can be successfully used by attackers who
have a receiving POS machine in their arsenal.

A contactless card differs from ordinary plastic in that it has a built-in microchip
a special transmitting antenna that sends data after bringing it to the payment
terminal. However, for a successful transfer of funds, it is required that the source
signal and the reader were at a minimum distance from each other (about a few centimeters).
This property creates the illusion of complete security for credit card holders.

Fraudsters also do not stand still and come up with new ways to steal money. Most common
– write-off of finances during a crush in public transport. It is at these moments that your plastic
falls within the radius of the reader, as a result of which it will write off the balance. For one such visit, a thief
can collect a considerable catch.

However, this is only one of the methods of taking honestly earned money. Smarter intruders
use radio signal amplifiers. With the help of such devices, the range of the reader
POS machine, increases from a few centimeters to a meter. Steal data from such a distance
is even less problematic.

The era of smartphones has also made its own adjustments to the “work” of robbers. Many gadgets
are equipped with a special module (NFC), which makes it possible to use a mobile phone as a
credit cards. Now it is enough just to attach the phone to the terminal and pay for the purchase. By this property
also successfully used by criminals who launch malware into the smartphone system,
exciting control of this module.

How to secure a contactless credit card

At the moment, there are many successful technical solutions that can protect your electronic
money from unauthorized debit. Interesting accessories and other special equipment
can be purchased at one of the electronics stores or you can make it yourself.

RFID Read Protection Rules

In order to keep banking data from unwanted attention of third parties, optional
apply especially costly methods, it is enough to follow the following tips:

• Do not, under any circumstances, trust anyone with your personal credit card to commit
  settlements, including friends and even relatives.
• Do not leave plastic anywhere unattended, do not give it to waiters in public establishments
  supply to calculate.
• Always look at the POS machine before making a transaction to make sure that the amount
  on the display matches the actual one.
• It is advisable to connect the card to informing via SMS. In most cases, the function is paid,
  but it’s better to overpay a bit than to find a shortage on the account later. After each transaction
  the message arrives within a few seconds.
• If suddenly a credit card is lost or stolen, you should immediately contact the bank (via
  call or app) and block it so that attackers do not have time to pay for purchases.
• Do not put your wallet next to your mobile phone, the latter can act as a repeater by linking
  your finances and criminal. A special place in this scheme is occupied by the NFC radio module built into
  most modern smartphones.
• Be vigilant, do not allow close contact with you by strangers less than 10 cm.
  Set the minimum access amount for third parties for contactless payment.
• Put a security password on your credit card, for amounts less than 1 thousand rubles. Thus, thieves do not
  chances remain. You can also set confirmation for each purchase with a pin code. When calculating
  it will take a little longer, but it will surely save you money.
• Not bad if foreign metal objects are placed around the wallet – coins,
  lighters, keys. They will play the role of a screen and make it difficult to read information.
• Use a special RFID-protected bank card case.
• Get rid of plastic completely by moving it to your smartphone. Official apps guarantee
  high security of financial transactions.
• Update the antivirus and software on your mobile phone in time.
• Carry several credit cards in one wallet at once. Ideal if they are from different banks and
  operate at different frequencies. The signal will be mixed up, and it will become much more difficult for attackers
  track.

Screens

A great way to save personal information is to buy a protective RFID case. Compared to
ordinary household foil, which can also wrap plastic, this technology has the following
merits:

• completely blocks personal data from being read;
• prevents any accidental write-offs from the balance;
• scammers are unable to copy or photograph payment details –
  CVV, number, full name of the owner, year and month of expiration;
• magnetized tape and radio module chip are protected from scratches and mechanical damage;
• you can choose an original product design that will make you stand out from others
  users.

The cover for bank cards with read protection consists of two layers. The first one is the most
main and is a solid metal plate or mesh, completely blocking
scanning of information, and the second – a decorative design coating (textured drawing, photo,
pattern). The price of such products, in comparison with their importance, is negligible. Piquadro is a reliable supplier
high quality leather bags and
accessories at affordable prices. On
site you can find a wide range of products for all occasions.

Security Wallets

The only disadvantage of anti-RFID cases for bank cards is that they are designed for one
credit card. If, say, you have several cards, it will be extremely difficult to carry them in your pocket.
That is why many people pay attention to special wallets with increased security.
Protective wallets have the following advantages:

• Prevention of theft of the user’s personal financial information.
• Protecting plastic from degaussing – even under the most severe magnetic conditions
  fields, the wallet will provide a good screen.
• The accessory looks solid, beautiful, fashionable and stylish.
• Credit cards are reliably protected from most types of mechanical damage and scratches.

A similar cover for a bank card with contactless payment is produced in several interpretations.
The most popular is a cigarette case in the shape of a rectangle. When you open it, you can see the departments
for carrying cards, and a dense metal layer will keep you firmly from “attention”
intruders.

Wallet with metal lining is made of genuine leather, suede, dense fabric or others
materials in which each section is stitched with a metallic thread, creating a reliable and high quality
screen. Usually such goods are marked with a special emblem.

Which wallet to buy is an individual matter, which depends on personal preferences, design,
cost and materials from which the goods are made. Also, in addition to wallets, on the market you can find
bags, backpacks and clothes stitched with metal threads preventing unauthorized reading
of your data.

What exist

Cases for the Sberbank card can be very different, for every color and taste. Accessory can
purchase a ready-made one, or order a personal sample, for example, with the logo of your organization.
There are also a lot of manufacturing options – with or without an angular additional recess, in
classic, original or universal form. The most popular models are
cases/pockets made of materials such as plastic, genuine leather and leatherette.

What do you need

In addition to external beauty, covers are used to protect personal bank data from theft
third parties. They prevent the possibility of remote reading of information, and therefore reliably
protect your money from theft. By applying shielding, you get the following:

• suppression of random transactions up to 1 thousand rubles;
• impossibility to copy or photograph details on the outside and inside
  plastic;
• complete blocking from RFID scanning;
• reliable protection of a credit card from mechanical damage;
• stylish, fashionable and unusual accessory.

Which covers will insure against reading

Due to its special design, almost any shielding device made on the basis of
solid metal plates or steel threads, able to prevent unauthorized access to your
electronic balance. The metal layer perfectly absorbs radio waves, thereby completely
blocks the connection between the reading POS-terminal and the credit card.

Composition of the case

The shielding product consists of an external decorative part and an internal metallized base.
The latter can be made from any alloy. In the design, the main thing is to stop the passage to the card
radio waves, everything else plays only a design role.

How much

The price of such covers is more than affordable. You can buy both very budget options and
exclusive, trimmed with genuine leather of rare animals. The cost ranges from 45 p. for the most
primitive screen, up to 600 rubles. and above for unique handmade models.

DIY card holder

It is not always possible to purchase a shielding cover for your cards equipped with the function
contactless payment. In this case, it is necessary to replace it with a simpler, but no less effective
an accessory made by one’s own hands from improvised items. The basis of the product is the usual
kitchen foil, which is wrapped around a bank card. The material does not look very aesthetically pleasing, however
guarantees 100% protection of your data from unauthorized reading.

To make the easiest DIY card case you will need:

• textile or leatherette for the front side (when nothing is available, you can take
  a plastic cover from an office folder);
• a thin sheet of aluminum or stainless steel;
• soft synthetic fabric for lining;
• tools (awl, ruler, metal and ordinary scissors, glue, pen).

To prevent your card from RFID scanning, you need a metallized layer. Part
new wallets, it is already provided, in domestic conditions, you can get by with a simpler one
option:

• cut out of plastic, leather or other material, two identical rectangles measuring 7 by 9.5
  cm;
• we are preparing a couple more similar parts for interior decoration;
• cut off the foil insert;
• we put the resulting parts in three layers and glue them together well, wait until complete
  drying out;
• we sew the resulting workpiece along the perimeter from three sides at a distance of about 1-1.5 mm from the edge.

As a result, you should get a stylish, and most importantly, reliable case.

Improvised methods of protection

Since the security of the card is based on the principle of shielding radio waves, all methods of creating
of a home-made casing are reduced to making a kind of metal envelope or container. What can
useful:

• The easiest method is to make a screen out of chocolate foil. Just one wrap is enough
  plastic and all data will be safe and sound.
• If an old metal cigarette case is at hand, then you can use it too –
  it will look stylish.
• In stores, you can often find a special fabric with radio-absorbing properties that can be sheathed
  inner compartment of a purse, pocket or just wrap a credit card with it.
• It is also possible to take an ordinary cigarette pack, in which the inner layer is made of
  foil material.

These simple life hacks will help protect your personal financial information from being hacked.

It is better to purchase such an accessory at specialized points of sale. Must before purchase
test it for proper operation to avoid any inconsistency and marriage. If left
doubts – consult with specialists, they will tell you all the nuances of the shielding
case. Remember such a simple, at first glance, security measure can reliably save your
money.

FREQUENTLY ASKED QUESTIONS ABOUT CARD AND PASS HOLDERS

A cardholder or cardholder is a case for cards, passes, which is glued to the back cover of a smartphone or a protective case. This is a practical addition that makes it convenient to use bank cards or passes.

Phone card holder makes it easy to upgrade your case by adding a card slot to it. Thanks to such a case, the card will be protected from scratches, abrasion of the outer layer, damage and will always be at hand.

The case with a card pocket is attached to the smartphone body or case using an adhesive backing. Remove the protective film from the back of the cardholder and attach it firmly to the cover of your smartphone or case. Up to 5 re-gluings possible. After the card case is securely fastened, you can use it – put bank cards, passes or other small items in the compartment.

In our online store, in addition to cases, you can purchase other accessories for your smartphone. The catalog contains cases for the card on the phone with a variety of designs.

And in the constructor, you can create your own design, for example, place your favorite photo on the accessory or use ready-made templates or make your own inscription.

The emergence of an innovative contactless payment system with a plastic card has significantly expanded the capabilities of consumers. Money for goods or services is transferred with one touch, you only need to know how to apply the card to the payment terminal.

How do I know if the card supports contactless payments?

A visual inspection on a contact card reveals a similar degree of protection and mandatory attributes that are available on plastic with a microchip integrated into it.

The standard set of details includes a three-digit code printed on the back, personal data of the plastic holder, a set of numbers that distinguish Visa and MasterCard payment services.

The difference is that plastic with one-touch payment has a WI-FI icon, on the Visa card, as an addition, the inscription Pay Wave is applied, on the Mastercard – Pay Pass.

Advantages and disadvantages of the payment method

The payment method is fast and convenient, which makes it a winner over traditional options. Unfortunately, they are not calculated everywhere, but where possible, the consumer receives undeniable advantages:

• the transaction at the checkout is carried out quickly, funds are debited from the account within a second. Time is saved, which is especially important with large flows of people;
• there is no need to enter a PIN code for each transaction or hand over the card to the cashier. Information is not considered even by a special device – a skimmer;
• plastic does not wear out. There are cases when the validity period of the card is not over, and the magnetic tape is worn out to such an extent that it does not allow reading details. Have to visit a financial institution to order a new debit card;
• contactless payments are accepted in most large stores, hotels, catering establishments. Paying with one touch to the terminal eliminates problems with the language barrier, which is especially important when traveling abroad.

Unfortunately, the remote payment method also has certain inconveniences.

As long as the card is with the rightful owner, his financial account is safe. But in the event of theft of plastic, the attacker will be able to withdraw 999 rubles each so as not to exceed the established transaction limit of one thousand. Thus, the fraudster will be able to use the card until it is blocked by the owner.

How to attach the card to the reader?

Let’s move on to the question of which side to apply the card for contactless payment.

To pay with a card equipped with an NFS microchip, you will need a terminal equipped with a special reader. To make sure that the device supports such a function, it will have to be carefully examined. What does the place to which the card is attached to look like? This is the upper area of ​​the terminal body, marked with a special icon.

On some models, there are no symbols, but they support the contactless payment function. The marking confirming this payment method is applied on the reverse side of the terminal or in the battery pack.

And what does the LED located on the top of the screen and flashing green mean? This is another sign by which it becomes clear that a card can be applied to such a terminal in a store for payment.

If the light is flashing gray – what is it? This means that the device supports contactless payment, but the option is not activated for some reason. In such a situation, they contact the organization that installed the device for accepting payments to assist in setting it up.

A card equipped with an NFS microchip has the symbols of a contactless payment and the inscriptions Mastercard Pay Pass or Visa Pay Wave.

How to apply such a card to the terminal to make a payment? To transfer money in this way, bring the plastic to the terminal with the side that has the indicated marking. The transaction will not take more than one second.

What distance must be maintained in order to ensure the operation of the card? Two to three centimeters are enough to synchronize the card with the scanner and allow him to write off the money.

Sequence of actions when making a purchase

Contactless plastic card TK 28 (TK 4100) ISO Card or other similar option is used in various forms of trade. There are no restrictions, and certain regions seek to redirect socially important public facilities for payment in this way. The use of social cards with the NFC module is possible if there is a POS-terminal connected to the Internet and it supports a wireless payment system.

Online payment

With this method, there is no question of how to attach the card to the terminal to pay for purchases. The consumer enters data for identification, confirms his intentions using a one-time code sent in an SMS notification. The store determines only the name of the payment service, but not the implementation option for using a contactless card from Priorbank or another financial institution. In addition, there is no physical possibility of conducting a transaction using the touch method.

Via ATM or terminal

Not all devices are equipped with technology that accepts contactless payments.

From this it follows that first of all you need to find a device with a special designation. Before paying with a card by applying it to the terminal screen, it is necessary to perform identification of the person and plastic. The algorithm of actions is as follows:

• bring the card to the rectangle with a sign confirming the connection via Wi-Fi and indicating where the contactless chip is located, touch it in this place to the terminal;
• a contactless Clamshell Card or other plastic is held at the wireless signal receiver until a PIN prompt appears on the screen;
• you can hide the card while dialing numbers – you won’t need it anymore.

How to use a bank card with a contactless chip in this case? Due to the fact that the signal acts in different directions, the card is applied by either side.

Retail stores

A standard contactless card with EMM Card access is required so that when making a payment, do not transfer plastic to the wrong hands. To transfer money, follow the instructions below:

• wait for the cashier to issue a payment receipt to clarify the amount;
• put a plastic card on the display of the terminal (either side);
• after a while, sound and light signals are heard confirming the transaction;
• if the transfer limit is exceeded, you will have to enter a PIN code. If it is entered incorrectly, the card is reapplied, because the operation is considered invalid and rejected by the bank.

Ability to pay by card via phone

Pay Way and Pay Pass technologies made it possible to connect bank cards to mobile phones in order to pay for goods and services in a contactless way.

This principle of operation is based on the NFS option, which reads and transmits information via radio signals. If you link a payment card to the NFS module, it becomes possible to perform transactions with a mobile device.

How to use the phone in case of payment? For this, the following requirements are met:

• before setting up this payment method, make sure that your mobile phone has an NFS chip that turns a bank card into a virtual one by copying its details;
• before adding a card to an electronic wallet by number, install the Google Pay or Apple Pay application that supports such transfers;
• a bank card is linked, the action is confirmed by the code received in the SMS notification.

The correct implementation of the above actions guarantees you trouble-free use of a mobile phone instead of a payment card.

How safe is it?

We know how to determine that a card is contactless, how it works, and how to use it to complete a transaction. Now a few words should be said about the security of this payment method.

As follows from the reviews, attackers manage to read the data of plastic cards and use them to their advantage. To protect yourself from theft, store cards in bags, backpacks, inner pockets of outerwear, use a shielded wallet.

Answers to consumer questions

The question is often asked about what cards with contactless technology are. In addition to well-known payment options, such products include an eCard with NFC for paying for travel, Kaspi Gold, Maestro, and plastic for Lukoil customers.

Which bank receives microchip cards? The list of such financial institutions is large, including Sberbank, Tilkoffbank, Alfa Bank, Rosselkhozbank, Otkritie Bank and others known to many.

What should I do if the contactless card stops working? First, check that the terminal accepts this payment option, then make sure that there are enough funds on the account to complete the transaction. The card may not work because it was not properly applied to the scanner.

If you have checked everything and done it correctly, but you cannot understand why the plastic does not work, contact the bank. The contactless card may have become demagnetized and needs to be replaced.

How to get an NFC chip from a bank card? Soak the plastic for a few hours in a solvent and peel it carefully.

Consumers are interested in how to remove contactless payment. To do this, simply remove the payment application from your phone.

How to remove a payment card from Google? We go to the site, enter the account password, select the “payment method”, find and delete the card.

What discount cards can I save to Google Pay? In addition to payment cards, discount plastic (from Pyaterochka, Perekrestok, Letual, etc.) and travel documents for public transport are preserved.