How to set up phone payments on your phone without Apple Pay and Google Pay. How to pay with a smartphone in Russia?

In 2022, Google Pay and Apple Pay “left” Russia. Many old contactless payment systems do not work either. If you were looking for reliable ways to pay for purchases at the checkout through your phone, then this collection is for you. The best applications in the Russian Federation to pay by card through a phone with and without NFC.

At the moment, people want to pay for purchases in cash with bank cards, but sometimes they only have a mobile phone at hand. It is for such cases that there is a special application that allows you to pay for goods from your mobile phone. People just need to know how to pay for purchases with their iPhone. If you download the application, then you can pay in stores at any time, having a smartphone with you. But pre-configure the payment method so that you can use it.

Link your card to your iPhone to pay for goods and services using the Apple Pay service. Contactless payment with iPhone is convenient and safe

November 9, 2021

8 minutes to read

As of March 10, 2022, Apple Pay no longer functions in Russia.

Contactless payment systems are very popular today. They allow you to leave your wallet and bank card at home and pay for goods and services from your smartphone.

One of these systems is Apple Pay, developed by Apple. It was first launched on October 20, 2014 in the United States. Since October 4, 2016 it is available in Russia. Over the years, the Apple Pay system has proved its convenience and security in practice.

What is it

Apple Pay is a contactless payment system available to users of select Apple smartphones and smartwatches. Her work is based on NFC technology, Near Field Communication, “near field communication”. To support this technology, the device must have a special module, and this is one of the reasons why not all Apple devices allow it – old iPhones do not have an NFC module.

Thanks to Apple Pay, in order to pay for goods and services, you just need to bring your smartphone to a special terminal. This system can also be used to pay for purchases made over the Internet in the Safari browser and applications. In this case, it works even on devices without an NFC module.

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.

Currently, the only payment application available for iPhone owners in Russia is SBPey. It allows you to pay for purchases by phone. Kommersant reminds of this.

The first systemically important bank, MKB, appeared in the payment application for SBPey. In total, 37 banks have connected to the service. At the beginning of March there were only four.

“We expect that in the coming weeks most banks, including the largest ones, will provide such an opportunity,” the Bank of Russia stressed.

Continuation of the story after the commercial

It is noted that the share of digital cards issued without physical media is actively growing. This is due to the pandemic and sanctions, which led to a shortage of chips. Russians can use virtual cards to pay for goods and services on the Internet.

“If we consider working cards, that is, currently used by clients when making transactions, then the share of “virtual cards” is at least 25%, that is, about 35 million pieces, and has a pronounced upward trend,” the head of Board of the Association “Financial Innovations” Roman Prokhorov.

“SBPey” is not tied to a card, but to a bank client’s account, that is, formally it has nothing to do with the payment system. This is one of its differences from other payment applications.

Therefore, you can pay using iPhone from accounts to which both the Mir card and Visa or MasterCard cards are linked.

Among the disadvantages of the current version of the application is a more complicated payment process. When paying, you need to open the application and scan the QR code on the merchant’s terminal. In other solutions, you just need to put your phone on a contactless POS terminal. The National Payment Card System (NSPK) assured that the service would be finalized soon.

Participants in the payment market are afraid that the application, just like Mir Pay, can be blocked in the App Store or Google Play at any time.

For those who are used to using many different subscription services on smartphones, it is not easy now: against the backdrop of sanctions, many ways to pay for subscriptions do not work or require workarounds. Android users were very unlucky in this regard, but on iOS everything is a little easier – MTS and Beeline subscribers can pay for purchases in the App Store from their mobile account balance. The iphones.ru portal told how to do this.

What you need to pay through the MTS number

The operator’s official page contains all the requirements that must be met to pay for purchases via a mobile phone. The list is quite small.

• MTS SIM card issued in your name.
• A tariff that supports the “Mobile Wallet” function.

This function is not available on corporate tariffs – there is no way to bypass this moment.

If you use someone else’s number, then purchases may be blocked: then you will have to visit the operator’s salon to reissue a SIM card in your name or verify personal data. In addition, mobile payments are prohibited on some numbers by default. You can unlock the function through the official MTS Bank application.

The following restrictions are imposed on mobile payments through MTS.

• Up to 15,000 rubles per transaction.
• Up to 30,000 rubles per day.
• Maximum 5 purchases per day.
• Up to 40,000 rubles per month.

What you need to pay via Beeline number

Again, all the requirements that must be met to pay for purchases via a mobile phone are published on the official page of the operator. But this time the list is a little longer.

• Beeline SIM card issued in your name.
• A tariff that supports the “Mobile payment” function.
• For the entire period of using the SIM card, you spent at least 150 rubles of your balance to pay for tariffs and other Beeline functions.
• After the transaction, your account must have at least 50 rubles left.

If you use someone else’s number, then purchases may be blocked: then you will have to visit the operator’s salon to reissue a SIM card in your name or verify personal data. In addition, mobile payments may be prohibited on some numbers due to the enabled “Mobile transfer. Ban”. You can unblock transfers through the official Beeline application.

The following restrictions are imposed on mobile payments through Beeline.

• Up to 15,000 rubles per transaction
• Up to 15,000 rubles per day.
• Maximum 500 purchases per day (5000 per month).
• Up to 40,000 rubles per month.

How to set up payment via mobile phone in the App Store

If you have an MTS or Beeline SIM card and you meet all the requirements, then everything is simple: you just need to connect the number as a payment method. This is done in the settings of the phone itself.

• Open iPhone or iPad settings.
• Click on your iCloud profile at the top of the list.
• Select the “Payment and Delivery” option.
• At this stage, we recommend that you remove your bank card from the list – this will help you avoid an unpleasant mistake when paying for any monthly subscriptions.
• Click “Add payment method” – “Mobile phone”.
• Enter your number.

If you did everything right, now you can pay for purchases in the App Store from your mobile phone account. True, for reinsurance, we advise you to directly replenish your Apple ID balance. This will eliminate the risk that the transaction may hang at the wrong time. Just sign in to the App Store, click on your profile, and select Add Money to Account.

What should I do if the payment does not go through?

Despite the fact that the method is working, in practice, any attempt to pay can still end in an error. Sometimes the operator does not have time to process all requests, sometimes the Apple infrastructure slows down, sometimes something else. Unfortunately, if you encounter an error, there is nothing you can do – wait a few hours and try again, writing to technical support is pointless.

A smartphone instead of a wallet.

Contactless payment by phone is a simple and convenient way to pay when making purchases. By installing a special application for paying by phone, you don’t have to worry about forgetting your card or cash at home. This method saves time, increases the validity of the card and is considered the most secure. In the article, we talk about seven working applications for paying by phone, evaluate their capabilities, pros and cons.

MirPay

For the correct operation of the program in the settings, you need to set Mir Pay as a payment method. You can apply for a Mir virtual card through the bank’s mobile application. For example, Tinkoff Bank has a free service for issuing such cards. The whole process takes a few minutes. Payment for purchases is carried out after unlocking the device without turning on the Mir Pay application.

Payments through the Mir Pay application are protected in accordance with international standards. So, for example, the system replaces the card number with a special token, and the card data is not stored on the device.

• more than 65 banks are connected to the service;
• compatibility with any POS-terminals;
• payments without entering the application;
• data protection.

• does not work on iPhones;
• does not work on older versions of Android;
• difficulties in paying for public transport.

SBPey

SBPey is a service for paying by phone using a QR code. Available for any payment systems and phones of any models. The principle of payment through the SPB service differs from other applications in that it does not require a terminal when using it. All transactions are possible only if there is a QR code at the checkout.

Security on the part of the service is ensured by the fact that all transactions go through a settlement account, the number of which is protected by the bank, and the seller cannot get access to it.

• available for 50 banks;
• operation does not depend on the presence of an NFC chip;
• cards of any payment systems;
• available for all smartphones;
• no need to enter card details;
• user-friendly interface.

• payment is available only if the seller has a QR code;
• some large banks are missing.

Samsung Pay

Samsung Pay is a phone payment application from Samsung. For Russian users, it works only with Mir cards. On Samsung phones, the application is preinstalled, but it can also be downloaded from Google Play.

Samsung in-app payments are protected by tokenization, built-in KNOX security and payment confirmation with a pin code or fingerprint.

• more than 40 banks are connected to the system;
• compatible with any terminals;
• triple payment protection;
• adding a map via ORS using the camera;
• payment without access to the Internet is possible;
• you can store discount and travel cards.

• authorization via Samsung account;
• payment is possible only after entering the application.

Language: Russian / English.

SberPay

SberPay is a contactless payment service from SBER. Available only to SBER customers with Sberbank Online installed. SberPay can be installed on Android smartphones with an operating system higher than version 7.0 and an NFC chip.

To enable contactless payment in the Sberbank Online application, you need to select a bank card and set payment via SberPay in the settings. To pay for purchases, you need to bring the phone to the terminal and confirm the debit with a pin code or fingerprint. As a protective mechanism, the application provides re-validation. The SberPay service allows you to pay for purchases online using a QR code or biometrics.

• does not require additional installation;
• high security (data remains inside SberBank);
• no need to provide card details;
• balance can be viewed during payment;
• Insufficient funds notification is displayed on the screen.

• available only for SBER clients;
• is suitable only for Mir bank cards;
• Adding cards is currently limited.

Huawei Pay

Huawei Pay is a service for paying by phone from Huawei. Available for smartphones from Huawei and Honor with NFC function and cards with Union Pay payment system. In Russia, only a few banks issue cards of this payment system, including Gazprombank, Rosselkhozbank, Solidarity and Vostochny Bank. Contactless payments via phone become available only after installing the Wallet application.

• simple interface;
• data protection (authentication and tokenization);
• you can pay without internet connection;
• no need to unlock your phone when making payments.

• works on smartphones of certain brands and models;
• is available only for Union Pay cards from several banks.

YuMoney

YuMoney – an application for paying by phone with Yumani cards. The service works on Android smartphones with NFC function throughout Russia. Yuman has a bonus system in which cashback is credited with points converted into rubles.

After installation and registration in the Yumani service, you need to order the issuance of a virtual card. The card is issued instantly, and this service is provided by the service for free. Next, in the smartphone settings, you need to enable the NFC function and select Yumani as the preferred payment method. To pay for purchases, unlock your smartphone and bring it to the terminal. A PIN code is required only for debiting more than 1 thousand rubles.

• concise and user-friendly interface;
• cashback in rubles from 1 to 5%;
• ease of use.

• installation difficulties;
• only for Yumani cards.

QIWI Wallet

QIWI Wallet is an application for payments and purchases. Provides the possibility of contactless payment, subject to the issuance of a virtual Mir card. Maintenance of such a card is provided free of charge. To pay with a QIWI card, you need to issue a Mir virtual card and add it to one of the contactless payment applications. For example, Mir Pay or Samsung Pay app. You can pay for purchases using these services after unlocking the application and entering a pin code.

• convenient and simple interface;
• free card maintenance;
• cashback for purchases.

• payment through third-party applications;
• issue of an additional card “Mir”.

Conclusions

In this article, we reviewed seven phone payment apps that can be used to pay for purchases with one touch. Let’s highlight the features of each service.

• Mir Pay – about 70 banks are connected to the system, works only with Mir cards, not available on iPhone and older versions of Android.
• SBPey – QR code scanning calculation, about 50 banks are connected to the system, operation does not depend on the presence of an NFC chip.
• Samsung Pay – more than 40 banks are connected to the system, Internet access is not required for payments, it works only with Mir cards.
• SberPay – available only to SberBank customers, does not require additional installation, currently adding cards is limited.
• Huawei Pay – works only on smartphones from Huawei and Honor with the NFC function, you can pay without connecting to the Internet, available only for Union Pay cards from several banks.
• YuMoney – available only for Yumani cards, cashback in rubles from 1 to 5%, installation through the official website.
• QIWI Wallet – contactless payment is possible when issuing a Mir virtual card through third-party services.

( 3 ratings, average 4.67 out of 5 )

How to set up payment on iPhone without a card

Apple Pay is a contactless payment system that is available to owners of iPhones and other products from the manufacturer. However, you can’t immediately start paying; first you need to set up payment. you will need to link the card with which the person wants to pay in the future. Procedure , some users may experience difficulty.

• First you need to go to a special application where you can link a bank card.
• Now you need to add your own plastic. Note that if a person has already linked it to iTunes, then you will only need to enter a three-digit security code. If the user did not do this and wants to use another card, then the procedure will become a little more complicated.
• It is necessary to place the card face down in the frame so that the rear camera of the electronic device can scan. Or you can enter the details yourself, such as the number, name and surname of the owner, as well as the expiration date.
• Be sure to include the security code on the back.
• Be sure to read the terms and conditions, then click on “Accept”. Naturally, all the information must be carefully re-read, so that later there are no situations when a person is dissatisfied with the requirements with which he agreed.
• You will need to choose one of the ways to register the card in the payment system. For example, this is SMS, and then the code that should be entered in the program is sent to the linked number.
• If everything is done, then you need to click on “Done”.

You can now try paying with Apple Pay to see if the system works. As a rule, there are no problems with this if the plastic is tied correctly. In the event that problems arise, you can contact the support service for help. It is quite possible that a person does something wrong not at any moment. For example, he uses an iPhone that does not support NFC.

Contactless payment on iPhone

Apple Pay technology works for iPhone – 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.

What is the name of the iPhone payment app

You can download it through a browser from the official website, through messages, mail, a special scanner and. you will need to install it after reading the terms and conditions. As soon as it appears on the phone, you can go directly to the settings.

Note that if you specify the location and time information when the map is needed, it will automatically open at the right time. turning on the program by double-clicking on the “Home” button. If a person sets the automatic selection of one or another card, then it will be enough just to bring the mobile phone to the reader of the seller, while holding the finger on Tooch ID.

If you wish, you can always view information about the plastic, update the information, and also delete the card. These and other settings are available to Wallet.

How to pay with Apple Wallet

Apple Pay and Apple Wallet function the same way. Therefore, it makes no sense to just consider the procedure that is used to make a payment. The only thing worth noting is that some phones still require Internet access. We are talking about the iPhone 6, it may need a network.

In some cases, it may be necessary to enter the PIN of a bank card to sign the check that appears on the smartphone screen. This will need to be done if you want to implement.

https://youtube.com/watch?v=1ptut-mLx6I%3Ffeature%3Doembed

Which bank cards can be used

Apple Pay supports credit, debit, and prepaid cards issued by major banks. In Russia, the list of banks interacting with this contactless payment system includes approximately 150 organizations. If your bank is not on the list, it may appear soon.

Also, some banks allow you to use Apple Pay only on cards of a certain payment system, for example, only Visa or only MasterCard. You can check this information with the bank whose services you use.

How to pay with Apple Watch

you can also pay for purchases through the Apple Pay system. But to set up an iPhone, it will be important to add a new device through it. There is a special button next to the bank card through which the Apple Watch is activated.

In general, the principle of operation is the same as with the telephone. Near the terminal, you will need to bring the watch and use the button to activate it. Touching the device is not required, because the payment is contactless. You may need to enter a pin code to sign a check. As soon as it is, the clock will be notified accordingly.

Is it possible to pay for purchases with an iPhone

At the moment, iPhone owners can try a convenient program that allows you to pay in stores and the subway. It is available for those who have an iPhone 6 or newer, as well as Apple Watch, iPad and MacBook Pro. It’s important to make sure you’re running the latest version of iOS for this handy feature to become available. You must have a bank card that supports contactless payment.

In addition, you need to sign in with your account. A digital password and Tooch ID must be set up if you want to pay with in stores. For the rest, it remains only to adjust the application itself so that you can use it to pay for purchases.

Contactless payment without NFC

Non-NFC phones can also be used for contactless payments. In this case, payments are made differently. Payment is made by QR codes. The application scans the code and makes a transfer to the details specified in it.

• Scan the QR code.
• Enter the required amount.
• Confirm the operation.

The transfer will be instantly credited to the account, as it is processed through the fast payment system (FPS).

Transfers are made without the use of cards. Operations take place from a bank account. Contactless payment via phone in stores and online. Scanned the code, entered the amount and confirmed.

• More than 90 Russian banks support work with the SBPey application.
• Android 6.0 and up.
• No NFC required.

Preparation for work:

• Install the application.
• Select your bank from the list.
• Indicate the account number and phone number.
• Enter the received code from SMS for confirmation.

So far, Sberbank, Alfa-Bank, Tinkoff, Raiffeisen and others have not been added. Most of the little-known ones are in the list of supported banks. The application will be useful mainly for contributors of these organizations, who most likely do not have their own application.

Sberbank

Quick payments via QR codes are available in the app. They can be made from phones without NFC support.

• We go to the application and click on the profile photo.
• Go to settings (gear icon).
• Scroll down and find the menu – Fast payment system. We press.
• Separately, you can connect the following features: 1. Incoming transfers. 2. Outgoing transfers. 3. Payment by QR code.
• Press – Connect. Ready. Now you can pay at the checkout with your phone using a QR code and make instant payments.

Yumani

For owners of smartphones without an NFC module, it is possible to pay for purchases using QR codes. The user replenishes the electronic wallet, or binds a card to it, and can make instant contactless payments by scanning codes.

In the application, select the “Catalog” tab. Next, click on the icon in the form of a qr-code. Or go to the “Pay” menu and select “QR-payment”.

Tinkoff

Point the camera at the code. The details of the organization will appear on the screen. At the bottom there is a field for entering the payment amount (enter the desired amount) and click “Transfer”.

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.

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.

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 pay for goods and services using iPhone

If you use an iPhone with Face ID authentication technology:

• press the side button twice;
• after the map is displayed on the screen, look at the smartphone so that the front camera recognizes your face;
• bring the phone to the proximity reader so that its top is a few centimeters from the terminal;
• wait until “Done” and a checkmark appear on the screen.

If you use Touch ID to unlock your iPhone:

• put your finger on the sensor;
• bring the phone to the contactless reader – its upper part should be a few centimeters from the terminal;
• wait until the display shows “Done” and a check mark.

In some cases, for example, if the purchase amount is more than 1000 rubles, you will need to enter your card PIN.

If you have multiple cards added to Apple Pay, one of them is displayed by default. If you do not take any additional action, the payment passes from it. If you want to change the card, first touch the one that is set by default on the screen, and then select the appropriate one from the list that opens.

How to pay by phone instead of a card

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.

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.

• 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 pay.
• Receive confirmation of successful payment.

How to set up contactless payment on iPhone

Contactless payment on the phone is convenient for many reasons, for example, it eliminates the need to constantly carry a bank card with you. It is useful in situations where a person does not have the means and plastic, but urgently needs to be done. There is no need to worry about safety, because there are many ways

You will need to download through an application that allows you to pay directly at the checkout with . As a rule, there are no problems with this, because the program is in the public domain. The main thing is to install only from trusted sources so that you do not have to deal with scammers.

https://youtube.com/watch?v=IIppLHCICR8%3Ffeature%3Doembed

How contactless payment works

• When buying, turn on the phone and bring it close to the terminal.
• In a couple of seconds, the payment will be processed.

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 immediately get into the banking application: after all, there is a password or fingerprint identification (Face ID). 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 to consider SBPey, Samsung Pay MirPay options for your phones.

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.

How to add a bank card

Before you can start using Apple Pay, you need to add your bank card. This can be done in the Wallet app.

This is a pre-installed application that is already on your iPhone. It is designed to store bank card numbers, as well as bonus cards, boarding passes, movie tickets and other similar information.

• Open the Wallet app.
• Click on the “Add” button – it is a round icon with a + sign.
• Select card type
• Scan the front side of the card with the number, holder’s name and expiration date.
• Then follow the instructions in the app.

If you previously used a card in the Wallet app, but did not link it to Apple Pay, after clicking on the “Add” button, go to the “Previously added cards” section. Select a card or multiple cards from the list and click Continue. Then follow the instructions in the app.

Are contactless payments available on Apple Watch

All Apple smartwatch models support this service. To use it, you must first set up a four-digit passcode on your smart watch. You also need to link a bank card in the Watch app. Even if you have already done this for iPhone, you will need to repeat the operation for smartwatches.

• press the side button twice;
• select a card;
• enter the passcode;
• bring the watch to the terminal – if the payment is completed, you will hear a beep and feel the vibration.

How to enter a card for payment in iPhone

Paying with an iPhone instead of a card is no longer a novelty for many people. function is really necessary and convenient. After all, not everyone wants to constantly carry bank cards with them, but few people leave their phones at home. Some people have problems with how to enter a card for subsequent payments. In fact, connecting plastic is not difficult, and there is more than one way to do this.

Important! As mentioned above, you can scan a card using the back camera of your phone. This is the fastest way to enter details, so it is most often used.

Quite rarely, there are situations when it is not possible to attach plastic using a camera. In this case, you can already manually enter your information. Given that there is little information, this should not be a problem. All the necessary data is on the plastic itself, and you just need to enter them correctly. If everything is done, then after confirming the registration of the card, it can be used.

Note that at the moment you can attach no more than 8 cards in the application. As a rule, this amount is enough for a person, so the restriction does not cause problems. But it is worth remembering if the user has a lot of cards.

What you need to connect Apple Pay

The answer to this question has two parts.

First, the mobile device you are using must support Apple Pay.

Secondly, it is necessary that the bank that issued your card interacts with this contactless payment system.

Where you can pay with Apple Pay

This technology can be used in shops and pharmacies, gas stations and restaurants, beauty salons and cinemas. The main thing is that the point of sale where you want to use the Apple Pay system accepts contactless payments.

The easiest way to find out if it is technically possible to use Apple Pay is to ask the seller or manager. But usually at points of sale and various establishments where this system is supported, you can see special signs. They are applied to payment terminals, information stands at the box office and even on doors.

NFC payment apps

Payment is made by phone with NFC function. Several payments can be made without an internet connection. A payment card is linked in the application.

Application for contactless card payment via phone. You can add MIR system cards issued by any bank in the Russian Federation to the application. Payment is accepted on the territory of Russia by all terminals that support contactless payments with Mir cards.

• Works with all World maps.
• Android 6.0 and above.
• Phone with NFC.
• Free use.

• Installing the application.
• Adding a card to the application (through a photo, or manually entering card details).
• Activate the map following the prompts.
• We choose Mir Pay as the main application for contactless payment (in the Mir Pay settings, or in the phone’s NFC settings).

Payments up to 3000 rubles can be made without unlocking the phone, simply by turning on the screen. You can disable this option in the settings by activating the “Request confirmation when paying” item.

With a yumani wallet, you can pay for goods via your phone using contactless payments. The wallet itself is replenished in various ways, including Visa, Mastercard, MIR, UnionPay, cash at ATMs, SBP fast payments, etc.

• Install the app.
• Register in it.
• Go to the “Maps” section.
• Select “Contactless Free”.
• Next, click “Get Instant”.
• The application will offer to select it as the main one for payment. We press “Yes”.

• You can make 10 transactions without internet connection. Next, you need a network connection.
• You can replenish your wallet without commission through Sberbank.
• To replenish your wallet, you can link cards of different payment systems.
• When paying, confirmation of payment with a password or fingerprint is used.

• Works on Samsung phones with NFC.
• MIR cards are connected.
• Registration on Samsung.com official website is required.
• Internet connection is not required when paying.

Samsung Pay payment system is available to owners of Samsung smartphones. You can pay with a MIR card through a phone with NFC. More than 40 bank cards are supported.

• We go to the application.
• We select the operation of “adding a card”.
• Scan the front side of the card (or attach the card to the phone if it has a contactless chip). Enter the CVC code.
• You will receive an SMS with a code that you need to enter to complete the registration.
• If the application prompts you to enter your signature, sign in a special field.

• Launching Samsung Pay.
• Choose the desired card.
• We confirm the identity with a pin code, or a fingerprint, or a retinal scan (the method is selected in advance in the settings).
• We bring the phone to the terminal and wait for a sound signal confirming the payment.

Huawei Services (Hong Kong) Co., Limited

The application can be used by owners of some models of Huawei and Honor phones with NFC. You can pay with UnionPay cards issued by Gazprombank, Rosselkhozbank, Vostochny Bank and Solidarity.

When paying, you do not need to unlock the phone and launch the Huawei Wallet application (do not forget to select this application as the main application in the phone settings when paying via NFC). No internet connection required.

• Open the application.
• Click on the “+” icon.
• Scan the card.
• Follow the instructions on the screen.

Initial setting

• Install one of the contactless payment apps (links below).
• Activate the NFC function in your phone settings. In the same place, select the application that you will use (the section may be called “Contactless payment”, “One-touch payment”, etc.).
• Add a payment card in the application.

How secure are Apple Pay payments

Using this service is much safer than using cash or a physical card. Your credit card details and your identity will not be known to the merchant and will not be stored on Apple’s servers. Apple Pay does not store transaction data that could be used to reveal your identity.

Contactless payment requires Face ID, Touch ID or passcode authentication. This means that an attacker who steals your iPhone or Apple Watch, or who finds your lost device, cannot use them to pay for their purchases with your money.

It is also important that with contactless payment you only touch your device. You do not need to touch cash or terminal buttons that other people have previously touched.

Which iPhones support Apple Pay

To use this contactless payment method, your phone must have:

lock and unlock technology that allows the user to be identified.

All smartphones manufactured by Apple, starting with iPhone 6, meet these requirements. The full list of devices is as follows:

• iPhone 6/6 Plus;
• iPhone 6s/6s Plus;
• iPhone SE (2016);
• iPhone 7/7 Plus;
• iPhone 8/8 Plus;
• iPhone X;
• iPhone XS/XS Max;
• iPhone XR;
• iPhone SE (2020);
• iPhone 11/11 Pro/11 Pro Max;
• iPhone 12/12 Pro/12 Pro Max;
• iPhone 13/13 Pro/ 13 Pro Max.

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.

How to pay with Apple Pay

If a person has not previously had to pay via a mobile phone from a Sberbank card, then it is useful to find out the principle of action. As you can already understand, you do not need to go online. Note that you can do it only in those places where there is a mark with the Apple logo, as well as with the inscription Pay.

A person will need to put their phone to the terminal at a distance of about 2.5 cm. While doing this, they need to keep their finger on the Tooch ID sensor. The system will select the card and then “Done” will appear. This will mean that . In the event that a person wants to activate the desired plastic himself, he needs to bring the phone without touching Tooch ID.

Do I need internet to pay with Apple Pay

Some people want to pay with their phone in shops instead of a Sberbank card, but are worried about the need to access the network. Now many citizens already have mobile Internet, but there are those who do not. In this regard, the question is whether the Apple Pay system supports payments without access to the network.

People can rejoice, because at the moment you do not need internet on your phone to make a payment. After all, data exchange takes place through the terminal. The data of the owners is not transferred anywhere, moreover, there is a special code for each identification. That is why you don’t have to worry about security.

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 cannot 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.