How to pay by phone in a store and in Russia, SberPay on Android is working again. How to set up and pay by phone

Replenishment of Troika card

The Troika app is an effective manager for making contactless payments using NFC technology. An electronic analogue of a wallet will save time on buying tickets and pay for metro and surface public transport without any problems. Through the application interface, you can instantly find out the current balance on the card, if necessary, replenish directly from the application itself.

Paying with your smartphone in shops, restaurants, public transport and many other places is fast, convenient and safe. We tell and show how to quickly set up this payment method on your device: we offer you instructions for both iPhone and Android smartphones.

Contactless payment requires your smartphone to support NFC technology. Previously, this feature was available only in expensive devices, but now it can be found even in budget smartphones.

A novelty for paying for travel A mobile ticket with Troika functionality is now available for passengers of Moscow public transport. Not many people know what it is, how to connect and pay. The service is connected to the SIM card of Beeline, MTS, Megafon, Tele 2 subscribers. The fare is paid by applying a smartphone to the validator in the subway or on land transport at the entrance.

The mobile ticket is based on the new NFC technology. Therefore, for the operation of such a ticket, you need a smartphone with an NFC module.

List of smartphones with contactless fares

Contactless payment service SberPay, which Sberbank turned off last spring, has finally returned to Russia. Despite the fact that no one really explained to us what was the true reason for blocking NFC payments, it took the bank more than six months to restore the service. All this time, Sber offered only online payment, as well as payments by QR code according to the SBP principle. However, now all bank customers can start paying with their smartphones again using SberPay using the near-field module. It remains only to figure out how to set it up.

SberPay started working again in Russia via NFC

Although we often criticize modern smartphones, they have made our lives incredibly comfortable. Imagine an ordinary person from the Russian outback just 20 years ago: he might not even have a push-button dialer, and he paid for groceries in the store exclusively in cash, which often fell out of his pocket and spoiled his mood until the next paycheck. Today, every owner of a bank card can pay by phone. To use it, you first need to understand how to set up NFC.

Since 2022, contactless payment via Google Pay has not been working in Russia, so you need to look for workarounds

From March 10, 2022, Apple Pay and Google Pay stopped working in Russia, which forced Russian companies to create alternative payment options from the gadget. You will learn how to pay by phone instead of a card in the new realities, what you need for this, how to set up the software, from our material.

The article tells

All over the world, cash payments are losing relevance, as many people are much more willing to pay with plastic. But relatively recently, a technology has been implemented in smartphones that allows you not to carry cash or cards with you.

Not everyone has figured out how to pay by phone instead of a card. But everything is very simple: your smartphone must have an NFC contactless payment module.

An Android smartphone with NFC is required to participate

The Moscow Department of Transport announced good news for users of the Moscow Metro. The agency launched an open test of the Troika virtual travel card in the metro.

Testing is carried out jointly with VTB, Google and Mastercard. Test participants require an Android smartphone with NFC. At the first stage, the developers recruit a very small group – 500 people. Subscriptions “Single” for 30 days are available for the test.

Head of the Department of Transport and Road Infrastructure Development Maxim Liksutov explained:

More and more people do not carry plastic cards with them, so we decided to launch a virtual “Troika” in your smartphone. I invite everyone to test the new opportunity and become the very first owners of virtual Troikas in Moscow. We look to the future and are waiting for modern Muscovites who love technology and Moscow transport.”

Updated: Over 1000 people applied in just 5 hours. The press service of Deptrans promised to soon expand the number of users participating in testing. In addition, it is planned to add new features and tickets.

With this payment method, you do not need to unlock your phone, enter passwords or use biometric data

On December 16, the Troika virtual card officially started working in Moscow. This was announced by the press service of the Moscow Department of Transport.

Virtual Troika allows you to pay for travel with a transport card loaded into your smartphone’s wallet. Supports Samsung Pay and Google Pay on Android smartphones with NFC.

Virtual Troika allows you to pay for travel in the Moscow Metro, MCC, MCD and on land transport. At the same time, paying for travel is similar to using a bank card loaded into a smartphone – just bring the phone to the turnstile or validator, which is marked with a special sticker announcing the possibility of accepting bank cards. It is planned that next year all metro terminals will be equipped with a virtual Troika for fare payment.

With this payment method, you do not need to unlock your phone, enter passwords or use biometric data – the ticket is read automatically.

Previously, the project was tested in the Moscow metro — the launch of the pilot with the participation of passengers took place in August, and in November, Muscovites have already successfully passed the virtual Troika more than 20 thousand times in public transport.

Release of the virtual Troika‎ in the Moscow Metro app. The following subscriptions are available for purchase: “TAT” for 30 days for trips on the ground transport of Moscow, “Unified” for 30, 90 and 365 days – with the possibility of unlimited trips in the zones “Central” and “Suburb”. Their cost will be the same as for physical cards. Next year, the service will have a “Wallet” and other types of tickets.

Description and features of the mobile application

Electronic software allows each user to fully manage their plastic card, for this it is not necessary to carry it with them. Even an inexperienced Internet user can understand the graphical interface of the program; the software does not include complex elements. All active tools are located on the main panel, easy and understandable to use.

A single Troika card can easily replace a regular wallet. Users will no longer have to use regular money to pay for public transport. A universal mobile carrier will eliminate problems with the purchase and storage of tickets, will allow you to pay in cultural centers and other services.

• instant replenishment of the Troika card balance;
• find out the balance on the card at any time (without internet connection);
• view the details of payments made and replenishments in the transactions archive;
• quantitative statistics of the remaining trips for the purchased season ticket;
• purchase of a new subscription, after the quota for the current subscription has been exhausted;
• “attach” a plastic card of any Russian bank for the safe conduct of money transactions through the application;
• check the validity period of the subscription as needed, offline, anywhere, anytime.

For comfortable use of the Troika mobile software, users are advised to install the My Travel Card option on their gadget. It is worth noting that not all modern phones can fully support the functions of this application.

Phones have long replaced a lot of things for us – from calculators and calendars to cameras and music players. Thanks to them, many almost completely abandoned the wallet. Why almost, you ask? Yes, because, despite the fact that now it is quite possible to pay for purchases with a smartphone, there are still areas that are not covered by contactless payment services. For example, the Moscow metro, which does not allow you to simply take and add a Troika card to Google or Samsung Pay in order to pay for it at the turnstiles. At least she didn’t. Because now this limitation is in the past.

Troika can now be added to Google Pay and Samsung Pay

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The Moscow metro has introduced a Troika virtual card that can be linked to Google Pay or Samsung Pay. It is enough just to add it to the wallet application and apply not a physical medium with recorded trips to the turnstile, but a smartphone. This is much more convenient, because it will be possible to completely abandon the use of a wallet, where you previously had to carry the usual Troika.

Troika Virtual Card for Google Pay

You can add a virtual Troika to Google Pay or Samsung Pay in the Moscow Metro app:

You can issue a virtual Troika in the Moscow Metro app

• Go to the “Account” tab and click “Add card”;
• Select “Virtual Troika” – “Release Virtual Troika”;

Choose a tariff and issue a card

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The payment methods of the virtual Troika are different for each payment service. If you pay with Samsung Pay, you can simply touch your smartphone to the validator without unlocking it. And, if you have Google Pay, you will need to wake up your smartphone first. It is not necessary to select “Troika” for payment. The validator will understand where to write off the money from and record the trip.

At the moment, the virtual Troika offers TAT ​​subscriptions for 30 days, “Single” for 30, 90 and 365 days, and soon promises to add “Wallet”. In general, the Troika virtual card does not differ much from the usual one in terms of its functions and tariffs. Therefore, you can pay for her travel on the same modes of transport:

• Buses
• Trams
• Electric buses
• Metro
• MCC
• WDC
• Monorail

How to pay with Troika from phone

However, it will not be possible to go through the virtual Troika everywhere, but only where the turnstiles support payment by bank card. Despite the fact that there are quite a lot of them throughout Moscow, their number is still limited. Therefore, it is too early to completely abandon the physical travel card, unfortunately. You will have to work out your route and find out if there are any turnstiles on your route with restrictions on paying with plastic.

What do we actually get? On the one hand, of course, it has become more convenient. Especially if you use only those stations where the turnstiles accept bank cards. Then you can really forget about carrying a physical Troika with you. But, if there are no such terminals where you take the metro, you will not be able to refuse a regular card, carrying it everywhere with you.

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Of course, over time the situation will improve. Deptrans is already working on equipping all metro stations with validators that support bank card payments. But since there are a lot of stations in Moscow, one should not think that this will happen in the very near future. Therefore, for a year or two, or even more, we will still have to use the usual Troika, without being able to switch to a virtual card.

• New to Android
• Applications for Android

How to link a card to a phone

To tie Troika to your phone, you need to purchase a plastic carrier at the ticket office of the Moscow metro stations or at a surface public transport kiosk. The collateral value of the card is within 50 rubles, the future owner is given the opportunity to exchange the card back for an equivalent amount if there is no need to use it.

You should also purchase a special SIM card that supports NFC technology. A SIM card can be ordered online on the official resource of a mobile operator or in official sales services.

The easiest way to attach the Troika service to a mobile gadget with a built-in NFC chip is through the special My Travel Card or My Troika services. These applications will allow customers to fully use all the built-in functionality of the card.

To connect Troika to your phone, you need to follow a few simple steps:

• Insert a new SIM card into the phone.
• Open the appropriate application store (Google Play, App Store), enter the original name “My Troika” or “My Travel Card” into the search. Go to the official page, click “Install”.
• Add the application to the quick access panel, in one click open and quickly get all the information about the service: view the balance, the history of replenishments and expenses.

If you encounter any difficulties in using the service, check out more detailed information on the official portal of Moscow Transport.

Withdraw money from an ATM without a card

If you suddenly need cash, but you didn’t have a card with you, you can withdraw the required amount from an ATM using your smartphone. To receive money, put your phone to a special reader, enter your PIN code, select the cash withdrawal option, indicate the required amount and confirm the operation by holding your smartphone to the reader again.

This method works if the contactless payment function is supported by both the smartphone and the ATM. However, sometimes you can withdraw cash without a plastic card without NFC. Some ATMs have a QR code scanner. It works like this: go to the banking application on your phone, get a special code, bring your smartphone to the scanner, withdraw money.

Wallet apps

It seems that we have dealt with bank cards, but what about store discount cards? In addition to popular payment services, there are also many special applications where you can store such “plastic”.

The choice of mobile applications for bonus cards is huge, and using them is quite simple: just spend a few minutes and transfer all plastic cards to the application on your phone, and next time it is better to leave your wallet swollen from discounts at home.

You can also add debit and credit cards to some of these series. As for discount cards, they can also be stored in applications like Google Pay, which we wrote about in the last section.

Also among popular wallet apps:

• “Wallet” is a convenient and simple program, just scan the card with the camera, and it will be added to the application.
• Apple Wallet is a branded application for iPhone users, with its help you can not only store discount cards on your phone, but also pay for purchases.

Replenishment of Troika card

Entitles you to travel up to the credited amount at fixed fares. The balance of the Wallet ticket on the Troika card can be replenished in the amount of up to 10,000 rubles and pay for one-time trips by metro or ground transport. Money on the card is stored for 5 years from the date of the last replenishment. You can top up the card at the cash desks and ticket machines of the Moscow Metro State Unitary Enterprise, automated kiosks of the State Unitary Enterprise Mosgortrans, Aeroexpress cash desks, at partner terminals, as well as on the website or using SMS service 3210.

Replenishment of the Troika card through mobile applications

You can top up your Troika card through free mobile apps. The service is available only to owners of smartphones with the Android operating system and a connected NFC module.

Additional card activation is not required.

Moscow Metro app

Application “Moscow Transport”

Troika. Checking and replenishment”

My Smart City App

Replenishment of the Troika card at cash desks and vending machines

You can top up the balance of your Troika card Wallet ticket at the cash desks and ticket machines of the Moscow Metro State Unitary Enterprise, automated kiosks of the State Unitary Enterprise Mosgortrans, Aeroexpress ticket offices and partner terminals.

You can find the nearest Troika replenishment point on the map.

Remote replenishment of the Troika card (online)

Remote top-up is a top-up of a card using a cashless payment with the need to subsequently write a ticket to the card.

1. Fill in the fields:

– card number (number printed on the card)

– mobile phone (mandatory when paying from a mobile phone account)

– top-up amount

2. Choose a payment method

3. Read the terms of the offer

4. Click on the “Pay” button

5. Follow all the necessary steps to confirm the payment

As a result of replenishment, the payment status will be displayed.

Funds can be withdrawn:

– from a bank card

– from mobile phone account

– from Yandex account. Money

– from WebMoney account

– from QIWI wallet

The maximum payment amount is 10,000 rubles.

The minimum payment amount when paying with a bank card and Internet wallets (Yandex. Money, Webmoney, QIWI Wallet) – 1 rub.

Remote replenishment of the Troika card via SMS

Confirm the withdrawal of funds.

After confirmation, you will receive an SMS with the result of the payment.

When using the SMS service, payment is made from the mobile phone account.

The minimum payment amount when paying from a mobile phone account is 10 rubles.

If you topped up Troika remotely, you must write the data to the card. This can be done at the metro information terminal. To record, click on “Remote replenishment of e-mail. wallet” and attach the card to the reader.

You can also record remote replenishment of Troika in buses, electric buses and trams – use the special button on the right of the validator to activate the remote replenishment of your card, the inscription “Attach a card for remote replenishment” will light up on the validator. Tap your card and wait a few seconds.

Attention! Do not remove the card until an inscription appears on the successful recording of remote replenishment.

Make sure that the card balance has been successfully topped up and the screen displays information about the card balance, including the top-up. Before the next replenishment, it is necessary to write down previously paid payments to the card. If there is an unrecorded payment, refilling the card is not available.

To check the balance of funds on the balance of the Troika card, the validity period of the travel tickets recorded on the Troika or the number of unspent trips on the travel tickets recorded on the Troika card “Single”, “90 minutes”, you need to attach the card ” Troika” to the yellow information terminals located in the lobbies of metro stations. To check, you need to bring the “Troika” to the circle, the information will be displayed on the terminal screen.

Direct deposit

You can replenish the balance of the Wallet ticket on the Troika card at the box office and ticket machines of the subway, automated kiosks of the State Unitary Enterprise Mosgortrans. You can “record” tickets “Single” and “90 minutes” on the Troika card at the subway ticket offices and automated kiosks of the State Unitary Enterprise Mosgortrans; tickets “TAT” and “A” – at automated kiosks of the State Unitary Enterprise “Mosgortrans”.

Topping up the balance of a Wallet ticket on a Troika card is available through Aeroexpress ticket offices and at partner terminals:

Subscriptions for suburban electric trains can be registered at the ticket offices of suburban communication stations and railway stations in Moscow and the Moscow Region and ticket machines located at railway stations and marked with information posters.

Which devices support the Troika card

Full installation of the software and further correct operation requires that mobile devices comply with special technical capabilities. So, in order for devices to display information on the screen, the model must be equipped with a special NFC chip for reading information.

• Starting with the iPhone 6 range, mobile devices are equipped with similar chips.
• As for mobile gadgets based on Android, they must have an operating system of at least 4.0.

To make contactless payments by reading NFC tags, the user must have root rights on the smartphone.

All registered customers of the Moscow Parking application do not need to go through authorization for the second time in order to fully use the Troika software. Mobile options are interconnected by one user account. By logging into one account, the client can freely use two cabinets without re-logging into the profile.

How to check account balance

Several effective methods have been specially developed to check the Troika card. Since the card uses the principle of an electronic wallet, there are methods that allow you to check the balance without actually using it. Let’s consider in detail all the options for checks:

• Yellow terminal. Almost all stations of the Moscow metro have special yellow terminals, which are attached closer to the ticket office. The plastic carrier is simply applied to the terminal scanner and after a certain time detailed information from the card is displayed on the screen.
• Official applications from the developers: Troika Balance Check, Moscow Transport Cards, My Travel Card. All owners of Android and iOS mobile gadgets with built-in NFC function will be able to quickly check the balance through the installed application. To do this, you need to attach the card to the back of the smartphone, after which all the necessary information from the card is displayed on the phone screen.
• Mobile ticket option. Many modern gadgets support the universal “Mobile Ticket” function, which is easy to connect in any official mobile operator’s salon. Checking the balance is done through the main menu, in the “Balance” section.
• SMS message. Mobile operators MTS, Beeline and Megafon have introduced a special short number for their subscribers to check the balance and the remaining number of trips on the current subscription. An SMS is sent to number 3210 with the word – balance – after which the subscriber receives the information of interest in a response SMS.

Unfortunately, the Troika card does not yet have a personal user account, but the official representative promises customers to develop it by 2020. Progress does not stand still, in the near future it will be even easier and more comfortable to use Troika.

Several ways to pay with your smartphone

First, make sure that your smartphone supports NFC – contactless payment technology through a mobile device. Now gadgets with such a function are not only expensive flagships, but also budget models that everyone can afford.

Buy a smartphone with NFC

Technology of payment by phone instead of a card

Gadgets are around the clock around the clock, many of them are equipped with “near field communication” technology. This chip is built into almost every modern smart device; it is used to transfer data between different devices. True, this can only happen at a distance of about 10 cm – but you don’t need to pay more. There are contactless bank plastic cards, and along with them, many people pay for purchases and services with a smartphone via NFC.

Payment by QR code — with cashback

SberPay also allows you to pay by QR with cashback

The last function is especially interesting. By itself, payment by QR code appeared with Sber a long time ago. However, only recently the bank began to introduce the ability to pay in this way on the most common terminals. If the terminal is served by Sberbank or another partner bank, a QR code will appear on its screen, which can be scanned by a smartphone and thus pay for the purchase, for example, from an iPhone.

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When paying with SberPay, even if you pay using a QR code, you will still receive cashback. This is a very important aspect, because there is no refund for QR payments through SBP or SBPey, because payments are made on the principle of transfer between accounts. Yes, cashback for paying SberPay is credited not with real rubles, but with “Thank you” bonuses, but this is better than nothing. Moreover, you can pay with them in many stores.

How to set up SberPay on Android

First you need to install the latest update of Sberbank Online

Add a payment card to SberPay

• Click “Connect card” and select the card from which money will be debited;
• Then set SberPay as the default payment method by clicking on the “Install” button.

How to set up contactless payment on iPhone

iPhone and Apple Watch users can pay for purchases using Apple Pay. You don’t need to download anything: the Wallet app for adding bank cards is already installed on your Apple smartphone by default.

So, to set up contactless payment on iPhone:

• Open the Wallet app.
• Scan the card or add its details manually.
• Receive the verification code from the bank and enter it in the required field.
• Now your card has been added to the virtual wallet and can be used.

How to pay for purchases and services with Apple Pay

• If the device has Face ID (smartphone unlocking system using face recognition) — double-tap the button on the side of the gadget (on the right), pass the Face ID verification and touch the top of the phone to the payment terminal.
• If fingerprint authentication is set, place your finger on the Touch ID scanner (round button) and bring your smartphone to the terminal.

If the operation is successful, a blue checkmark and “Done” will appear on the screen.

You can check whether your smartphone supports NFC technology for contactless payments in your smartphone settings. If your device is less than two years old, it most likely has NFC. If not, then it is profitable to purchase a new gadget – with discounts and cashback – at MTS.

Contactless payment in Russia

If this material had been published a couple of years ago, I would simply say that contactless payment in Russia works the same as in the whole world. But at the beginning of 2023, reservations have to be made. Be that as it may, NFC works in Russia, though not with all cards and not with all applications.

As for the first point, you need a MIR card to make contactless payments by tapping your smartphone to the terminal. Visa and MasterCard systems do not work at the moment. There is an alternative option – payment by QR code, which is gradually gaining popularity in our country. It can be used by holders of any cards, be it Visa, MasterCard or MIR.

Now NFC payment is available only to MIR cardholders

Another point is common, it applies to everyone, regardless of their country of residence. The main condition for making contactless payments by tapping your smartphone to the terminal is the presence of an NFC sensor on your device. The NFC Check application will help you check its availability. Run the program and click the “NFC Check” button. We saw a green checkmark and the inscription “Supported” – feel free to proceed with choosing an application for payment.

How to use SberPay

Paying with SberPay is as easy as using Mir Pay

In the new version, Sber developers have added the ability to bring the SberPay shortcut to the smartphone desktop. It will come in handy in two cases:

• First, if you have another contactless payment service installed by default, then by launching the SberPay app, you can pay for your purchase using it without changing the default settings.
• Second, in the SberPay app, you can select the bank card you want to use to pay for your purchase immediately before paying. Previously, for this you had to go to Sberbank Online and link another card.

Despite the fact that SberPay, unlike Mir Pay, allows you to link only a Sberbank card, it is more convenient from a functional point of view. The service works in three modes at once:

• Online payment (where there is a SberPay button);
• Payment by NFC smartphone;
• Payment by QR code at almost any terminals.

Online shopping on the Internet

Nothing has changed regarding purchases in Russian online stores. They accept valid Visa and Mastercard cards from Russian banks without any restrictions. Some online stores report possible difficulties with payments.

It will not be possible to pay with Russian cards in foreign online stores. Also, many foreign online stores refused to work with Russian citizens. There are also payment systems that have stopped working, for example, PayPal. Therefore, to make payments, it is necessary to search for alternative options related to the use of intermediaries, cards issued by foreign banks, for example, in Uzbekistan or Kazakhstan.

The Government of the Russian Federation increased the maximum amount of duty-free import from 200 to 1000 euros. The increase is designated as temporary and will be valid until October 1, 2022, the maximum purchase weight of 31 kilograms has also remained unchanged, everything else will be subject to duty.

We recommend shopping in Russian stores without any problems. The Halva card has more than 250,000 partner stores where goods can be purchased on an interest-free installment plan. For example, in the RBT store you can buy a flagship Iphone 13 with 512 Gb memory at a price of 109,999. With a 12-month installment plan for Halva – 9,167 rubles per month.

How to disable

If the service is no longer needed, it can be disabled. This can be done in the SIM menu of the mobile phone. You can also connect back.

Is it possible to top up the card from a mobile phone

There are several convenient ways to replenish the universal transport service from a mobile phone: from an electronic wallet, via SMS, on the official website without registration, through the Troika. Balance check.

• Electronic wallet. A convenient replenishment option for users of the WebMoney electronic service. Replenishment of the balance occurs without commission. In the personal account of the electronic wallet, select the sections “Payment” – “Transport” one by one. Next, fill in the appropriate fields, write down the exact card number, the amount of replenishment. Activate using the yellow terminal.
• Official site “Transport.mos.ru”. Registration on the site is optional. Go to the official resource, select the “Remote replenishment” section. Select the option for replenishment “Payment by card”. Fill in the exact details and payment amount. Confirm with a one-time code, which will be sent to your phone within a few minutes. Activate via the yellow terminal.
• Troika. Balance check. Go to the application, find the ruble icon in the lower right corner, click on it. Follow the instructions exactly and fill in the appropriate fields: bank card details, email address, amount. Wait for the replenishment to be credited to the balance. Does not require activation, funds are available for payment immediately.

The mobile application is definitely gaining effective distribution among active users, offering a lot of benefits. Modern technology makes it possible not to spend time in queues to buy a ticket or top up a card. Now you can do it all right from your smartphone. The application is freely available, each user can install it free of charge on a tablet or phone to effectively use the Troika card.

How to connect

First of all, you need to go to the office of the mobile operator and inform that you want to connect a mobile ticket to your smartphone. To do this, the old SIM card will be replaced with a new one with service support. In this case, the cell phone number will remain the same. Replacing a SIM card is free, but you need a Russian passport.

All information on the operation of the service comes to the subscriber’s phone in the form of SMS from 3210 for free.

Connection algorithm

• You need to insert a sim card with mobile ticket support and turn on the phone;
• SMS will be sent to the number from 3210 for activation;
• 150 rubles will be deducted from the balance of the phone number. to the ticket account;

If you did not activate the service when you turned on the phone for the first time, then later you can connect it through the phone’s SIM card menu.

What are the advantages of contactless payment

• No need to constantly carry a wallet with a bunch of plastic cards that may not always come in handy.
• When withdrawing cash from an ATM, there is no need to be afraid that the card will get stuck in the receiver.
• Paying for purchases with your smartphone is safer. When paying, a temporary generated token is transmitted, that is, neither the cashier nor the store receives information about your card, and even in the event of data theft, attackers will not be able to use them.
• With many bank cards, purchases up to 1,000 rubles go through without a PIN code, which only plays into the hands of scammers – having taken possession of the plastic, they can manage the money until the card is blocked. And when you pay for a purchase with a smartphone, before each operation, the phone asks for a fingerprint, a face scan, or asks for a password.

Of course, in order to pay for purchases from a smartphone, you need to set up the desired application on your phone in advance. You also need to constantly keep your smartphone charged. Finally, if your smartphone doesn’t support NFC, it’s time to fix it. Now a suitable device can be bought quite inexpensively.

How to pay by phone instead of a card

Contactless payment by touching your smartphone is only available if NFC is enabled on your mobile device. It can be activated through the notification shade (control center) or device settings.

NFC consumes very little power, so you can always keep it on

Now, when you go shopping, just unlock the screen and bring your smartphone up to 10 centimeters away from the back of the payment terminal or touch the device to it. If the purchase amount does not exceed the limit (for example, in Mir Pay it is 3,000 ₽), you do not need to do anything else, the transaction will go through instantly. If the limit is exceeded, you will need to enter the PIN code of the card or put your finger on the fingerprint scanner on your phone.

It is not necessary to put the smartphone close, but sometimes NFC does not work at a distance of more than 5 centimeters

Although the smartphone settings offer to select the default application, you can pay with SberPay and Mir Pay at the same time without changing the settings. Make Mir Pay the main means of payment and pay through it by removing the screen lock. In the case of SberPay, before making a transaction, click on the service icon located on the main screen.

How to pay for Apple ID subscriptions on iPhone now

You can pay for subscriptions if you adjust your settings. Go to the “Apple ID Account” section in Settings. Next, select the “Payment and Shipping” section, and then “Add a payment method.” The next step will be the “Mobile phone” item, where you will enter the cell number and confirm it via SMS.

After the mobile phone appears in the payment methods, change the payment method to it in the settings, save the changes. This will allow you to pay for games and programs using your mobile phone: funds will be debited directly from your mobile phone.

Similarly, you can solve the issue on Google Play.

How to top up

When 90 rubles remain on the ticket account, the service will independently replenish the balance by 150 rubles. If you do not need automatic replenishment of the balance, then you should send an SMS message to number 3210 with the text: off.

Payment for the ticket is made from the balance of the mobile phone.

You can replenish your account on your own by sending an SMS with the phrase PAYMENT 50. The number 50 is the amount by which the ticket account will be replenished. You can enter a different amount.

There is no fee for refilling the ticket.

Contactless payment on iPhone

For the iPhone, Apple Pay technology operates – a system of payments for goods and services using Apple mobile devices.

After the termination of Apple Pay in Russia, an alternative appeared – to use the SBPey technology, which also allows you to pay on the website or using a QR code. There are even discounts for certain goods or services when paying using this technology.

Follow the links to find step-by-step instructions for paying with these methods with clear screenshots.

There is also an option to bypass restrictions on Apple Pay. Visit icloud.com/find – Apple’s official Find My website, then sign in to your Apple ID.

Next, click the Devices button and select the current iPhone. Enter iPhone into Lost Mode, iPhone will be locked for 5-10 seconds, then unlock the device, enter your Apple ID password again. After that, you will receive a notification that the card is ready for use.

Mobile ticket balance check

There are several ways for clients of the service to find out the balance:

• In the SIM card menu;
• In the mobile application of the mobile operator MTS, Beeline, Megafon, TELE2.

Despite the fact that Apple Pay and Google Pay stopped working in Russia, some of the methods, namely the QR code via SBPay, Samsung Pay and MirPay, remained. Therefore, let’s deal with the sequence of actions already at the checkout of the store, taking into account each of the methods.

MirPay

• Bring your smartphone to the payment terminal. Open the MirPay application and select the desired card.
• If the check is more than 1000 rubles, then a pin code may be required.
• Receive confirmation of successful payment.

Samsung Pay

You can use Mir payment system cards without restrictions. Visa/Mastercard cards may work with restrictions.

The payment procedure is as follows:

• Open Samsung Pay, select the required card.
• Bring your smartphone to the payment terminal.
• If necessary, enter the PIN code.
• Receive confirmation of successful payment.

SBPey

• Log in to your bank’s app.
• Scan the QR code with your mobile device’s camera.
• Choose the account from which you want to make a payment.
• Receive confirmation of successful payment.

How safe is it to pay by phone instead of a card

When comparing the old and new ways of paying for purchases, it is important to understand how people pay by mobile instead of a card in a store, because it is safer. The money is sent to the cashier via a secure channel from a virtual account, and the remaining funds on it cannot be stolen by someone standing nearby. Each transaction uses a unique code.

If the phone is in the hands of a thief, then he will not be able to get into the banking application right away: after all, there is a password or fingerprint identification (Face ID) there. Naturally, for greater security, the owner who has lost his smartphone is obliged to block all linked cards as soon as possible by calling the hotline.

Thus, it is not difficult to figure out how to pay by phone instead of a card. Choose a gadget that supports NFC technology, install the appropriate application, add a card and go shopping.

A NAFI survey conducted at the end of May 2022 shows that 96% of iOS and 63% Android phone owners switched to plastic payments. Hopefully, these numbers will change as the number of alternative convenient payment methods increases.

We recommend that you consider SBPey, Samsung Pay MirPay options for your phones.

Payment by biometrics

In some large Russian stores, you can now pay for purchases not only with a card or smartphone, but also with the help of biometrics – a system for identifying people by physical characteristics. A special camera is installed at the checkout, the buyer just needs to look into it – and that’s it, the payment has passed.

In order for the system to start recognizing you, you need to provide your biometric data, this can be done at a bank that provides such services, and agree to their processing. Of course, while such technologies are not available everywhere, but over time, payment by biometrics will appear everywhere.

Pay the fare with Troika

Using the services of the card, all customers will be able to quickly and without queues pay for travel in the subway, as well as ground public transport in Moscow and the Moscow region. An ordinary mobile gadget that supports NFC technology turns into a universal mobile ticket.

It is easy to record any subscription on a transport carrier for use in commuter trains in all railway directions.

Payment for travel and passage through the turnstile is carried out using a reader. At the top of the turnstile there is a special yellow circle, to which it is enough to bring a smartphone and hold it for a few seconds to read the information. The fare is removed automatically from the balance of the travel subscription, in accordance with the rules of the current tariffing.

It should be remembered! To make a full-fledged contactless payment for travel through the transport application, there must be a sufficient amount of money on the main account of the transport card, not less than the cost of one trip.

Contactless payment methods on Android

In the realities of the termination of Google Pay on devices of the Android operating system, alternative contactless payment methods will also have to be considered. Fortunately, unlike iPhones, there are significantly more of them on Androids.

• The first option is to install the MirPay application, with which Mir card holders can pay for goods and services with their mobile phones.
• The second option for Android is to pay for purchases using Samsung Pay technology. It continues to work in Russia with restrictions, for example, new Visa and Mastercard cards cannot be added there, but payments can be made.
• The third option is to use SBPey.

What to do if contactless payment does not work

It happens that even after all the settings, NFC payment does not work. Perhaps the problem is related to the location of the sensor or its power. It is usually placed on the side of the camera or below it. In the case, the accuracy of operation for obvious reasons is reduced.

NFC is usually located near the camera block

In addition, you must make sure that the application for payment is correctly selected, and that the card is valid and has enough funds on it. If still nothing happens, do the following:

• Open the NFC settings on your phone.
• Go to the “Location of the security element” section.
• Select “HCE Wallet”.

Often, contactless payment works only through the HCE wallet, which does not affect the process in any way

Such manipulations often help out when NFC does not work on Xiaomi. Check if there is something similar in your phone settings. In addition, the device must have an up-to-date version of the payment application. And do not forget that sometimes Mir Pay does not work, for which there are a lot of specific reasons.

SberPay does not work. What to do

Important: after updating Sberbank Online, the button “SberPay – pay by phone” may not appear. And without it, setting up a payment service will not work, because it will not be possible to link a card and set SberPay as the default payment method. I did, even though the latest version was installed. It turned out that it was enough to unload the application from memory, and then start it again and everything would work as it should.

Don’t forget to set SberPay as the default payment method

However, it may be that the card link button appears, but the card that can be linked to SberPay does not. In this case, I recommend making sure that the “plastic” is issued by the Mir payment system, and not some other. Because MasterCard and Visa cards, even if issued by Sberbank itself, are no longer tokenized in Russia and, accordingly, do not work with contactless payment services. Therefore, you will have to issue a World card.

Now you can pay for purchases using SberPay by simply bringing your unlocked smartphone to the terminal at the store’s checkout. He activates the service himself and transmits information about the payment. If the purchase amount is less than 1000 rubles, you will not have to additionally confirm the transaction, and if it is higher, you will need to verify the payment with a password or biometrics.

Now let’s talk about how to make a payment by phone. If you decide to use the Mir Pay service, you will need:

• Launch the Mir Pay application.
• Press the “Start” button, and then – “Add a card”.
• Enter your card details or scan it using the suggested means (camera or via NFC).
• If several cards are added, then do not forget to select the main one.

You can add several cards to Mir Pay at once, but only one will be used for payment (switching between cards is allowed)

• Launch the SberBank application.
• In the search box, enter the query “SberPay”.
• Go to the “SberPay – pay by phone” section.
• Click the Connect Card button.
• Select the card to be used for making payments.

Sber customers who own MIR cards can use the SberPay service

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• Open device settings.
• Go to the section with NFC settings using the search bar.
• Open the “Contactless payments” tab.
• In the “Payment by default” item, select the desired application.
• Set the value “If no other payment application is open” in the item “Use the default application” if you plan to pay with two programs at once.

The names of some menu items on your smartphone may be different

This completes the NFC payment setup. And now it’s time to talk about how to pay via phone.

Payment via SBP

• Android operating system requires version 6.0 or higher;
• iOS requires version 13.0 or later.

The essence of the program: for payment, the data of your bank account that you linked to the application are used, and not a bank card, as is done with NFC technology.

NFC payment apps

Since NFC payment is available only to MIR cardholders, Mir Pay is the best application. Probably, some of you will remember that the MIR works in Samsung Pay, but I hasten to make a reservation: only on Samsung smartphones that have passed the EAC (PCT) certification. I propose to learn about what Rostest is in a separate article.

Mir Pay is the only app that can replace Google Pay right now

Today Mir Pay is the best NFC payment program, but not the only one. She has an opponent in the face of the SberPay system, which is available in the SberBank application for Android. However, it only works with MIR cards from this bank. All other organizations offer to use either Mir Pay or payment by QR code.

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The fare of the Troika “Wallet” card can be added to the Mobile ticket.

Using a mobile ticket, passengers can pay for travel on any transport in Moscow: bus, trolleybus, tram, monorail, metro, aeroexpress.

How to set up contactless payment on an Android smartphone

• Open the “Payment Methods” section in the menu and click on the blue “Add Payment Method” button.
• The scanner window will appear. Place a bank card inside the frame so that the application automatically reads its number, or enter the card details manually.
• Confirm acceptance of the terms of the contract. After that, you will receive an SMS with a six-digit code that you need to enter in the required field.
• Done: your card has been added to Google Pay – you can safely go shopping. By the way, several cards can be added to the payment service at once, indicating which of them will be the main one for settlements.

To perform a transaction, you only need to unlock the screen of your smartphone and bring the device to the payment terminal. You will need to enter the application only if you want the money to be debited from a card other than the main one. In this case, simply select the desired payment option in the application menu, and then bring your smartphone to the terminal.

Contactless payments using a smartphone are also safe: the payment system reliably protects data and does not transfer it when making a transaction. Thus, no one will know the details of your bank card and will not be able to use them.

Mobile payment systems Google Pay, Apple Pay, Samsung Pay

Multiple cards can be added to the app. By default, the main payment remains the one whose data was entered first, but this order can be easily adjusted in the settings.

To pay, it will be enough to bring the device to the payment terminal, after unlocking the screen. Wait until the screen displays a message that the payment went through.

If you are still afraid to add data from your regular cards to the application, get a virtual one and link it to the service. Its only difference from “plastic” is that it does not have a physical carrier. Usually, virtual cards are issued almost instantly, and they can be issued in the mobile application of your bank or through the website of a financial institution.

A virtual card cannot be lost or forgotten, and it is also impossible to steal it. All data is stored at your fingertips, right in your smartphone. The main thing is that the device is protected from malware by a reliable antivirus program.

SberPay — download for Android

If you don’t remember, SberPay is the same service for paying for smartphone purchases as Mir Pay. They both emulate bank cards and transmit encrypted payment information to the terminal via NFC. The only difference between them is that Mir Pay supports cards of almost all Russian banks, while SberPay only supports Sberbank.

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Pros and cons of paying with a smartphone

Pluses of payments via mobile instead of a card:

• Internet is not required. The NFC module does not depend on it.
• We usually always take our mobile phone with us.
• Instead of a lot of cards, a couple of applications in a smartphone are enough.
• Security – the card will be stolen from your pocket, and the money will not be able to be transferred by force. Multi-level protection works, nothing will be written off without your confirmation.

Disadvantages of smartphone payments:

• There are technical failures in the operation of the terminal.
• If suddenly the battery of the device runs out, then you will have to refuse the purchase or use a plastic card (cash).
• Lack of contactless payment technology in all outlets. Many cafes and shops may still ask for payment in cash or by transfer.