NFC Expert 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
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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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.
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 with 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.
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 application, you can pay for the 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 via NFC smartphone;
- Payment by QR-code at almost any terminals.
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.
SberPay is a universal development of Sberbank that allows you to use contactless payment using a smartphone with NFC technology. It is effective, fashionable and convenient, so you should understand this technology in more detail and take it into constant use.
SberPay appeared relatively recently and positions itself as the safest contactless payment service. Its performance is based on NFC technology and is intended strictly for Android.
The main advantage is security, since you do not need to resort to the help of third-party applications to make the desired payment. It remains only to activate this function through the official mobile application and you can safely use all the available functions.
Benefits of SberPay
Now let’s talk about the main advantages of this application, which are as follows:
convenient service for contactless payment;
- the most simple interface;
- convenient use;
- high level of security;
- the system is integrated into the official Sberbank application.
The benefits are enough to immediately evaluate the effectiveness of this development and its appropriate use. It is enough to try it once and it will be difficult to refuse, especially a higher level of security is a key advantage.
How to download and activate the application?
The main principle of SberPay is security, so feel free to ignore any offers to download the SberPay app to your mobile phone. The fact is that this system is integrated into the official Sberbank Online application, so you should use and launch the application strictly through it.
Everything else is fiction and deception, if the application appears officially from Sberbank, you will definitely learn about it from official sources.
As for activation, you need to do the following:
- Run the application and go through authorization.
- When everything is done, go to the main screen of the application and click on the card you want to add to SberPay.
- After the performed actions, the function will be active, and you will be able to pay with it.
IMPORTANT! Please note the requirements for this feature: Android 7.0 operating system and above, the presence of the NFC function in the phone, and a Visa bank card.
If your device is not suitable for using this function. Then you will see a corresponding message about the inability to activate this function.
How to pay with SberPay?
Now we should consider the payment methods using this application. After you activate this application, you will be able to pay for your purchases without any problems. And so that you can immediately test everything, we offer special recommendations.
Pay by phone
- After activating SberPay, it will be enough for you to take your smartphone with you.
- After you are offered to pay, you activate your phone and go to “Payments”.
- Choose SberPay and confirm that you are ready to carry out the operation.
- Bring your smartphone to the terminal and wait for payment.
Payment by computer
- Choose the item you want to pay for.
- Choose SberPay as your payment method.
- Enter your phone number.
- Open a PUSH notification on your phone and confirm the payment.
As you can see, there is nothing difficult in this, just carefully follow the steps and enjoy the simplicity.
SberPay for businessmen
SberPay was created not only for individuals, but also for legal companies. They can easily use SberPay as their main payment system and improve efficiency. This is achieved through the following benefits:
- 6% of payments are guaranteed to be completed, as the system offers the simplest possible payment process;
- making payments through banal push notifications;
- maximum security level;
- no additional settings, everything happens automatically.
Answers to frequently asked questions
It is not surprising that many users have a large number of questions about this system. After all, it appeared relatively recently, so many are interested in important issues in advance, which shed light on many sides.
Therefore, we have selected the most common and important questions along with the answers.
Will clients of another bank be able to use the service?
No, this service is intended exclusively for Sberbank customers, since the application is integrated exclusively with the official application and actively interacts with it.
Will Sberbank clients without a card be able to pay via SberPay?
This is also impossible, since SberPay requires at least a Visa bank card for normal operation.
What should I do if I don’t receive push notifications?
It may happen that you will not receive push notifications. Most likely this is due to the fact that you have them disabled. Therefore, we recommend doing the following:
- Go to “Settings” on your smartphone.
- Go to the “Notifications” section.
- Find “Sberbank Online” and click on it.
- Activate push notifications.
- After that, they will come to you.
IMPORTANT! If your Internet is disabled, then SMS will be sent along with push notifications.
Can I use SberPay without a mobile application?
You should not try to use SberPay without the application, as it is integrated with the official application and cannot interact without it.
Does not go to the SberPay app after paying through a browser
It may happen that after paying in the browser on the phone, it does not move to the application for confirmation. In this case, we recommend that you restart your smartphone. If this does not help, then it is better to contact the support of Sberbank.