How to use a bank card through a contactless phone Sberbank and Tinkoff Pay payment service launched in Russia. How to pay and will it replace Google Pay

Home » Lessons and Articles » Internet

Not so long ago, the Qiwi Wallet mobile application received one advantage over other electronic wallets – it has the ability to make payments directly from a smartphone. For many users of NFC technology, this has become an opportunity not to waste time issuing a plastic card tied to a Qiwi wallet.

What is contactless payment?

It is convenient to use NFC in QIWI wallet. This system has several advantages:

• money is easy to control, one means of payment can be used to pay all bills;
• a smartphone, unlike a wallet with cards, is always at hand;
• no need to issue and wait for a physical plastic card.

But before you start using it, you need to be aware of several disadvantages of contactless payment from a wallet:

• you need to constantly monitor the charge of the phone, if the smartphone sits down, you will be left without money;
• To make payments, you will need a smartphone with an operating system newer than Android 4.4 and supporting NFC payment.

But in general, this technology is not inferior to cards with a chip for contactless payment. Only the impulse to the terminal comes not from the chip, but from your smartphone. Purchases up to 1000 rubles can be made without entering a pin code. Larger amounts must be additionally confirmed.

How to activate contactless payment?

This card will be linked to the NFC system, and you will be able to make contactless payments through it. Virtual plastic does not differ from the real one, so its data can be used when paying for purchases online.

Finding the card in the application is easy, through the link on the main screen that you used to register in the system.

How to replenish QIWI wallet?

Replenishment of the wallet, which will be equal to the balance of the card, can be done in several ways:

• by bank card (with an amount of up to 2000 rubles, the commission is 0.75%, more than it is not paid);
• through branded terminals (commission is not paid for amounts over 501 rubles);
• from another Qiwi wallet;
• from mobile phone balance;
• by bank transfer (the enrollment period may take up to 5 days);
• at partner offices.

You can choose any of the above methods. If you use Sberbank, then you can transfer money to Qiwi from a mobile application or personal account for a computer. There is a special link in the payments section. If necessary, you can link another wallet to Qiwi, for example, Webmoney. In this case, you can withdraw money from it with a minimum commission at any time.

The most convenient and easiest way is to top up with a bank card right in the app. It can be linked in it so that for future payments you only need to enter the CVV code on the back of it. The convenience of this method is that when replenishing in the amount of less than 2000 rubles, you will immediately see the calculation of the commission.

After you top up the balance, all you have to do is unlock your smartphone and bring it to the bank terminal. The NFC technology will do the rest for you.

You only need to confirm the purchase in order for the money to be debited from your main Qiwi wallet. When traveling outside of Russia, you can install a wallet with a different currency. A virtual card will also be attached to it.

How safe is this system to use?

Many users are worried that using NFC can lead to the theft of money from your wallet and the virtual card linked to it. But the manufacturers and developers of the application took care of its security.

• With an active connection to the Internet, you can control the movement of funds on your account in real time. The application sends notifications to the screen of your smartphone about all receipts and write-offs. In addition, it has a “History” item, in which you will see a list of all receipts and expenses for any period.
• Using this technology, you cannot make several transactions at once, so you are protected from double debiting.
• If you spend more than 1000 rubles, you will need to enter a pin code or sign the receipt. In the latter case, most likely you will need to present a passport.
• You can enable or disable the NFC option at any time. For example, many people who use contactless payment are afraid that intruders will steal money from them on public transport. In this case, you can disable this service after boarding the bus or metro. This cannot be done on a bank card, you will need a special case for plastic.
• If you do not enter your wallet for several days, the contactless payment option will be deactivated. You will need to reconnect it.
• You can pay for goods only if the phone screen is unlocked.

But most importantly, all payment data is securely encrypted and transmitted very quickly. It is almost impossible to intercept the impulse from the smartphone to the terminal. You only need to worry about reliable screen protection from strangers, so that in case of loss of a smartphone, they could not unlock it.

Can I use the NFC system without the Internet?

It is believed that the use of the NFC service is possible only with an active Internet connection. But this is an erroneous opinion, in order to make a payment in those places where mobile Internet is bad and there is no Wi-Fi, you must:

• Go to the “Contactless payments” section of the settings menu.
• Set the marker on the “Without network” option.

On modern smartphones, this option is enabled by default. In this case, in the description of the card, you will also need to set the ability to pay without a network (in most cases, it is already enabled by default).

The developers recommend using the application offline as little as possible, since in this case the payment will be out of control, as well as the balance of the account. However, you can use this option if necessary.

Did you like it? Share with your friends!

Paying with a smartphone is a very convenient thing. We have become so accustomed to it that now we can no longer imagine how you can carry a wallet or even one bank card with you. And why, if today almost everywhere they accept non-cash payments, which means that for payment it will be enough just to attach a smartphone to the terminal. The main thing is that it should be equipped with an NFC module through which an encrypted token passes, containing payment information. But, if earlier almost everyone in Russia paid exclusively through Google Pay or Samsung Pay, today more and more users are choosing domestic payment services that appear like mushrooms after rain. But are all of them the same?

Tinkoff Pay is not the same as Apple Pay or Google Pay. Bye

❗️ SUBSCRIBE TO OUR YANDEX. ZEN, IT’S STILL FREE

Tinkoff Bank announced the launch of Tinkoff Pay payment service. With it, the bank hopes to facilitate shopping by eliminating the need for us to use a bank card as such and leave our payment details somewhere using a mobile application. However, in its current form, Tinkoff Pay is still not quite what you all thought.

How to pay Tinkoff Pay

While Tinkoff Pay allows you to pay for purchases only online

Despite the fact that Tinkoff Pay is intended for payment through the bank’s mobile application, don’t be confused by the word Pay in its name. Because the service has nothing to do with contactless payment in offline stores. Its main purpose is to make payments on the Internet by analogy with the Yandex Pay service, which we have already told you about.

The principle of operation of Tinkoff Pay is simple:

• The bank’s partner store places a payment button through Tinkoff on its website;
• The buyer presses the button and is redirected to the banking application;
• At this moment, a payment order is generated in the application with the amount in favor of the store;
• The buyer has to either confirm the payment, or refuse it.

❗️ SUBSCRIBE TO THE ALIBABA CHEST TELEGRAM CHANNEL AND BUY ONLY THE BEST GOODS FROM ALIEXPRESS WITH NO COMMISSION

The convenience of paying with one (actually two) touch is convenient because you do not have to spend time entering bank card details, as well as reducing the risk of falling for the bait of scammers. Indeed, on a phishing site, the payment function via Tinkoff Pay cannot be, in principle, because the bank independently checks all the resources where its button is located.

If desired, the user will be able to add their contact details to Tinkoff Pay, such as full name, phone number and home address. In this case, the online purchase will be even faster, since it will be enough for you to confirm the payment, without signing the address to which the purchase must be delivered. All the necessary data will already be sewn into the service.

Payment by smartphone — Tinkoff

Previously, the Tinkoff Bank application also had NFC payment, but then it was turned off

But online payments are, of course, good. But what about payment through Tinkoff Pay via NFC? In fact, the bank plans to add offline smartphone payments in the future. When exactly this will happen is not reported, but most likely it will not take much time. The fact is that Tinkoff already has the necessary developments. Few people know, but until recently, the bank offered contactless payment through the application, but then turned it off.

Contactless payments through the Tinkoff Bank app have been available to Android users for several years. If my memory serves me right, this function was launched back in 2016, and turned off either last or the year before. Why is unknown. However, the very fact that the bank had the appropriate service makes us think that it will not take much time to restart it.

In fact, Tinkoff wants to make a cross-platform analogue of Apple Pay in Russia. The bank has planned a large-scale expansion of the capabilities of its payment service, planning to equip it with support not only for online and offline payments, but also with the function of paying for subscriptions, the ability to use it to authorize on sites, as well as receive increased cashback and buy goods in installments.

Is it good? Certainly good. Tinkoff Bank, unlike the same Sberbank, did not fall under US sanctions, which means that there will be no restrictions on the operation of its payment service in Russia. Therefore, Tinkoff Pay will be able to compensate for the shutdown of NFC payments in SberPay, which suddenly stopped working after the introduction of blocking sanctions from the US and still have not resumed work.

10 MONTHS INSTALLATION FOR EVERYTHING!!!

The Troika card is a single electronic travel ticket valid in Moscow’s surface and underground public transport, as well as commuter trains. Using this plastic card allows the passenger not only to optimize the time for buying a ticket and passing through the turnstile, but also to combine several tariff plans for tickets of different categories at once. Moreover, knowing how to use the Troika card, its owner can save money every time when paying for travel.

How and where to use the Troika card

Troika is a universal transport card, since it is valid in all types of public transport in Moscow: in the subway, in city buses, trams, trolleybuses. At the same time, the places where you can use the Troika card are not limited to the capital’s public transport – the Troika card can also be used on electric trains running around the Moscow Region, including on Aeroexpress trains. In addition, with the help of plastic, its owners can visit the capital’s zoo, planetarium, and the largest ice rinks.

Points of sale of travel cards “Troika”

Moscow passengers can purchase a Troika card at the ticket offices of underground and surface urban and suburban transport free of charge, subject to a deposit of 50 rubles for use. When the card is returned, the security deposit is returned in full.

You can also get a transport card at Mosgortrans kiosks, Euroset, Svyaznoy mobile phone stores, as well as at Russian banks (for example, Sberbank, Russian Standard) – here it can be issued in as an attachment to the user’s bank card.

Instructions for activation

To start using the Troika card in the metro and surface city and public transport, you need to top up your balance by at least an amount equivalent to the cost of a one-time fare in one or another mode of transport. The maximum amount of funds that can be deposited is 3 thousand rubles. By choosing a certain type of tickets that are recorded on plastic (for example, a Wallet ticket on a Troika card), its owner will be able to use the fare of one trip reduced by several rubles each time.

The validity of such a transport card is 5 years.

Procedure for operating the travel troika

In order to use Troika when traveling by public transport, one should attach the card to a special sensor that reads information on it, after which the owner will be allowed to pass through the turnstile. Turnstiles are usually equipped with such sensors at most stations of public surface and underground transport. In order to use the Troika card on trains in the absence of a turnstile with a reader at the station, the passenger can hand it over to the conductor, who will record the trip using a portable validator.

Is it possible to use the Troika card together

Troika transport cards are not registered, and therefore, they can be used by different people. At the same time, it should be understood that travel by card for two or more people at the same time is not available in all fares fixed on tickets. For example, if two or more people can ride on the subway or on the bus together with the Wallet ticket (the card will be debited for the number of trips), then with the 90 minutes ticket, which combines several modes of transport, the second fellow traveler can no longer ride will be able.

In the same way, there are restrictions for passengers using Troika when traveling by electric trains – after reading the information on the turnstile, travel in this direction will be unavailable for another 40 minutes.

The holders of a single travel card can deposit funds into their account in the following ways:

• at the box office and ticket machines of the subway;
• at the Mosgortrans kiosks;
• at the ticket offices of commuter train stations;
• via Internet payments from bank cards – on the website http://troika.mos.ru, or through the User’s Personal online accounts in banks (Sberbank, Alfabank, Tinkoff, etc.);
• through payment terminals (Megafon, EuroPlat, etc.);

How to recover a damaged or lost card

Since Troika cards are non-personalized, it is possible to restore them in case of loss or mechanical damage only by reissuing new plastic.

A passenger who has lost Troika should contact one of the points of sale with a request to block the old card, while all funds from it will be transferred to the balance of the new plastic, for the operation of which it will also be necessary to pay a security deposit of 50 rubles.

The same procedure is performed in case of mechanical damage to the plastic travel card.

If, for one reason or another, the passenger no longer needs Troika as a single travel card, he can return the active and serviceable card to the place of its purchase and receive in return the previously paid security deposit in full.

Dear Samsung Pay users,

Samsung Pay continues to operate in the Russian Federation.

However, due to the restrictions of international payment systems, some operations are not available for Russian banks:
– Adding Mastercard and Visa cards of Russian banks to Samsung Pay;
– Payments and money transfers using Samsung Pay with Mastercard and Visa cards of Russian banks;
– Release of new tickets for the Virtual Troika transport card in the Moscow Metro application. Virtual Troika tickets previously issued and already added to Samsung Pay will continue to work in Moscow transport.

You can make payments using Mir cards of Russian banks. The list of banks can be viewed here.

Which tickets are available
sign up for a virtual Troika?

*The cost of tickets is determined by the State Unitary Enterprise Moscow Metro

How to buy a Troika virtual card?

Update Samsung Pay to the latest version (4.1.78)
and
make sure
it is selected as the default payment service.

Select ticket type and payment method,
click Release.

Follow the instructions on the screen to pay for the ticket
and adding it to Samsung Pay.

How to travel?

Troika in Samsung Pay works in the background – smartphone
can be applied even when the screen is locked or turned off.

Without launching Samsung Pay, swipe
smartphone to the turnstile.

Hold your smartphone at the card reader until green appears
successful pass indicator.

IMPORTANT: Virtual Troika only works on turnstiles,
that support bank cards with NFC. They have stickers on them.

* Internet connection is not required at the time of the operation.

Do not worry that the payment will accidentally go through the bank card – they
work only after confirmation by fingerprint or PIN code, and the virtual “Troika” – only in the background
mode.

How to check the ticket
and travel history?

Travel history is updated only when connected to the Internet – after
making a transaction or opening ticket information.

Frequently Asked Questions

If you have any questions, please contact us:

Contact us if the Troika card is in the sections “Bank cards” and “Payment”.

How to get and use the Troika virtual card for public transport

—
December 16, 2021, 18:50

On December 16, the Troika virtual card was officially launched — the result of the joint work of VTB, the Moscow Metro, Google, Samsung and Mastercard. Now, a new one-touch payment method is available for all passengers of the capital’s transport — a popular transport card will be immediately available in a smartphone.

Virtual Troika is a transport card, the issue and use of which is carried out using a smartphone without the use of a plastic carrier. The purchase of the card is available in the Moscow Metro mobile application. The issuance and loading of the virtual Troika into the wallet of a Google Pay or Samsung Pay mobile device is carried out by VTB Bank. The virtual version of the card can be used on the metro, buses, trams, electric buses, MCC, MCD and monorail.

The process of paying for travel with a virtual Troika is the same as with a bank card: just bring your smartphone to the turnstile or validator installed in Moscow public transport and marked with a special sticker about the possibility of accepting bank cards. No need to unlock your phone by entering passwords or using biometric data – the ticket is automatically calculated. You only need to first select Google Pay or Samsung Pay in the smartphone settings as the main method for contactless payments.

Tickets can be bought online, without queues at the box office. At the first stage, the following subscriptions are available for purchase: TAT for 30 days for trips on Moscow ground transport, “Unified” for 30, 90 and 365 days with the possibility of unlimited trips in the “Central” and “Suburb” zones. Their cost is similar to that on a plastic carrier. Next year, the service will feature “Wallet” and other types of tickets.

Recommendations

• Create a virtual QIWI card
• How to create a virtual QIWI card from a computer
• How to create a virtual QIWI card from an Android smartphone or iPhone
• Conclusion

QIWI is one of the most demanded services in our country among those that provide their customers with virtual payment cards. Last but not least, the distribution of cards of this type is facilitated by the simplicity of their creation in the QIWI system, and in the article we will demonstrate how easy it is to get this convenient tool for receiving / sending Internet payments from an Android smartphone and iPhone or computer.

Create a virtual QIWI card

Issuing a virtual payment instrument does not cause any difficulties, regardless of the device used to access Qiwi Wallet. Moreover, users who prefer mobile devices can apply more than the only method of creating a virtual map. Before proceeding with the instructions, please note that there are two options for providing the means of payment in question:

• For holders of purses with “Basic” and “Professional” statuses, the issue and maintenance of the card is free of charge.
• Users who have not been identified pay 99 rubles/year from their account at the time of creating a virtual card. Therefore, if the status of your wallet is “Minimum” or “Main Limited”, make sure that the specified amount is available in it and, if necessary, replenish your QIWI account.
  Details:
  QIWI Wallet balance check
  How to top up your QIWI account

How to create a virtual QIWI card from a computer

To become the owner of a virtual QIWI card using a PC or laptop, you should use one of the functions of the official website of the payment system. The whole operation will take less than a minute of time and just a few mouse clicks in the Internet browser window.

log in to the system.

From the menu located at the top of the main page, go to the “Bank cards” tab.

The created payment instrument is now displayed on the “My QIWI cards” tab in the “Bank cards” section of the system’s website, and you can at any time find out its details for replenishment and provision as a means of receiving or making payments.

Read more: How to find out the virtual QIWI card number from a computer

How to create a virtual QIWI card from an Android smartphone or iPhone

Many users consider mobile devices to be more convenient than desktops or laptops for accessing QIWI Wallet and performing various manipulations within it. In fact, any operation in the system under consideration from a smartphone is not only possible, but also very simple. To solve the problem from the title of this article, you can use one of two approaches.

Website of the QIWI payment system

Since there are no differences between the functionality of the web version of the Qiwi Wallet User Account when accessing it from various hardware and software platforms, you can issue a virtual card from your smartphone by simply opening the qiwi.com website in any browser for Android or iOS and by exactly following the instructions suggested above in the article, which describe the operation with a PC.

With this approach, everything is implemented as easily as on a PC / laptop, but some inconvenience is caused by the lack of adaptation of the QIWI website for use from mobile platforms. Therefore, the method described below for solving our problem is considered more preferable.

Mobile application

A much more convenient solution than a website for accessing the capabilities of the QIWI electronic payment system is its mobile application. This tool is available in versions for Android and iOS and can be installed on smartphones and tablets from the Google Play Store and the Apple App Store.

The solution to the problem of creating a virtual Qiwi card is further demonstrated on the example of a smartphone controlled by a “green robot”, but iPhone owners take the same actions – there are no differences in the functionality and interface of mobile applications for Android and iOS.

Read more: How to find out the virtual QIWI card number from a smartphone

Creating a virtual QIWI card for a user who wants to receive it does not present any difficulties or problems. From any preferred device as a means of accessing the payment system and regardless of the status of the Qiwi Wallet, opening a card takes literally a minute.

More related articles

In order not to have to transfer money from a wallet to a bank card, spending money on forced commissions, it is enough to use a virtual card (), created specifically for such cases.

• What is a virtual card?
• Create a virtual card
• How to use Qiwi Visa Virtual?
• What is prepaid QVV Qiwi?
• Safety and comfort of online payment

What is a virtual card?

If the Qiwi wallet itself, as well as the plastic card issued to it, have become a familiar service for many Internet users, then the QIWI virtual Visa card is used by the minimum number of wallet owners. This is largely due to the relatively low popularity of online shopping compared to more familiar stores with terminals that accept plastic payments, including from the Visa QIWI Wallet payment system.

What is QVC for?

The virtual card was specially created for online shopping, because it performs the functions of a familiar plastic card and is accepted for payment by all online resources that cooperate with the Visa payment system. The balance of Qiwi Visa Card and Qiwi wallet are combined, which provides comfort when replenishing the card and simplifies cost control.

The virtual card issuer is QIWI Bank, which has all legal rights to issue such a payment instrument.

QVC has all the necessary details for making purchases and payments:

• 16-digit number;
• CVV code;
• validity period;
• owner’s name.

QVC currency can be both Russian rubles and US dollars (USD). It is permissible to make payments in the amount of up to 40 thousand rubles.

Benefits

Qiwi virtual card does not have a material carrier, so it does not need to be made and then wait weeks for delivery. Q VC is created in the personal account menu. Sometimes it happens that even a virtual payment instrument is attacked by scammers, as a result of which the owner has to close it.

Security when paying with a virtual card

The Qiwi Virtual Card, or as it is called Qiwi Virtual Card, is designed to increase the security of paying for various purchases and services via the Internet. Many users fear that entering real card data, even if it is not directly linked to their bank accounts, can lead to hackers stealing money.

This is partly true, because there are many malicious programs that use an interface similar to the Visa Wallet personal account in order to steal an access password or at least payment card data. With the help of the new service, you can put aside any fears and freely enter virtual card details anywhere.

At the first suspicion that the resource is not bona fide, you can delete it and create a new one with unique payment data. This is what distinguishes the Virtual Card from its plastic counterpart.

The main advantage of Qiwi Visa Card in comparison with the usual “visa” is a multi-level security system. The details of the payment instrument can be found in only one way – by requesting them in your account on the website of the payment system.

At the same time, only a part of the 16-digit number comes to the phone in the form of SMS – the rest of the numbers are indicated in the “Your cards” section.

Moreover, when making a purchase, you must specify special codes: a three-digit CVV security code and an authorization code sent by the system when making a payment. If you forgot them, find out the details using the instructions.

How to get a new card instead of a blocked one?

• Log in to your personal account on the Qiwi Visa Wallet website.
• Select your virtual card in the “Bank cards” section.
• In the menu that opens on the left, click the “re-release QVC” button.

Several Virtual Cards can be created simultaneously for one QIWI wallet. Moreover, a separate account is created for each, the owner, when using this form of payment, bears the risk only within the amount placed on the card used. Each card is valid for 2 months, after which it is automatically blocked. In terms of security, the card complies with the international Visa standard; for third-party services it is no different from the same plastic card.

Attention! Within a month, a user can reissue no more than 2 virtual Qiwi Visa Cards.

You can make a virtual Qiwi card in the “Bank cards” section of your wallet. This automatically generates a number for the Virtual Card and a CVC code, which is sent as an SMS message to the owner’s phone for security. The same can be done in QIWI terminals.

Next, we proceed directly to the purchase of a virtual card. Fill in the form fields, indicating the phone number of your wallet, the method of payment for the card (if there is one account on the wallet, then there will be only one way). In the “Amount” column, indicate the amount of money you want to see on your Virtual Card.

To get a virtual card, you need to buy it. At least 300 rubles or $10 will be deducted from your wallet balance when buying a dollar card. With one virtual card, you can pay no more than 30,000 rubles or $1,000 for 2 months of its validity. You can connect SMS informing about debiting funds for 19 rubles per month.

Before paying with a card on the Internet, you can always go to your Visa QIWI Wallet account and clarify the details. No fees are charged for servicing such a card, so you can buy two or more cards. Depending on the need for the amount of funds on each card, you can freely move money within the system.

How to use Qiwi Visa Virtual?

Unlike plastic, virtual cards (QVV) have one significant limitation – it cannot be used to pay in a regular store, even if it has a terminal. But on the other hand, it can be used as a means of payment on all resources. The modern Internet provides many options:

• Payment for utilities, including satellite and cable television;
• Purchases in online stores of goods with delivery to your home or mail;
• Purchasing goods in retail chains that have ordinary stores in parallel, so you can do without plastic, for example, in case of its loss or expiration before receiving a new card.

To pay with a virtual Qiwi card, you need to use its details: the card number and security code (CSV) are the same as the plastic version, only unique, preventing attackers from gaining access to the total balance of your Qiwi wallet.

QVC’s multi-level security system is reliable enough, but it’s not perfect either. For those users who are afraid to leave the details of a card linked directly to accounts, there is a special Qiwi prepaid card – Qiwi Visa Virtual (QVV).

Like the Qiwi Visa Card, this instrument has no physical form and exists only in digital form. Its main difference from QVC lies in the limited validity period – the card ceases to be valid after 2 months. Those. this card has a separate balance from the wallet, which allows it to be used when paying for goods or services on suspicious sites. They created a card with the required denomination, paid and forgot about it.

The ability to choose a convenient currency is another difference between a prepaid card and a Qiwi Visa Card.

How to create a virtual Qiwi prepaid card?

Unlike a regular virtual card linked to a wallet, you will have to pay for a prepaid Qiwi Visa Virtual. The cost of the issue is 2.5% of the face value of the card. Getting it is easy enough.

• Opening the “Bank cards” section on the Qiwi Visa Walett website.
• We look for Qiwi Visa Virtual in the list of payment instruments and press the “Get” button.
• Choose a currency and click “Buy”.
• Fill out a special order form and pay for the service.

The minimum face value of QVV is 300 rubles or 10 US dollars. The maximum consumption is possible within 70 thousand rubles / 1000 US dollars.

Safety and comfort of online payment

Virtual Card from Qiwi is fully functional for paying on the Internet, if the owner is used to making purchases through online services, as well as paying through them for most services. Thanks to this service, the QIWI wallet has become even more secure. It is much easier to re-order and receive a virtual prepaid card and make purchases without the danger of losing money.

For users who are accustomed to actively using the services of online stores, Qiwi Visa virtual cards have obvious advantages over conventional banking “plastic”. At the same time, QVV differs from QVC in a higher level of protection and an extended payment limit, but you have to pay for these advantages.

In the technological age, humanity is increasingly striving to simplify life by inventing various ways. Moving around the city is a regular “rite” of everyone without exception. To simplify this process, the Troika transport card was invented, which has already gained great popularity and thousands of users, but there are those who are still not aware of the correct use of such a simplifier. This article provides detailed information that clearly describes each aspect.

Smartphone app functionality

The electronic add-on gives each client a chance to use their own card, without having the mentioned one with them. The application provides an opportunity to free yourself from the constant carrying of banknotes and dozens of piles of tickets after each payment. Paying by phone instead of a troika card is also convenient in cultural and public centers. In addition to all of the above, the application has a number of additional features that will greatly facilitate the process:

• at any time you can find out the balance of funds;
• replenishment of the troika card through nfc in a few clicks;
• available tracking of completed transactions;
• the ability to link a card of each Russian bank for secure transactions;
• renewal of the subscription after the expiration of the quota.

Undoubtedly, a number of advantages of the application are replenished with the presence of an interface adapted for each person: a colorful menu, a nice font, large icons – this simplifies the use without any restrictions and inconveniences. You don’t even need internet to view your account balance – you can check it anywhere and anytime. The size of the application itself is small, downloading it will not take up much memory on your phone, which is a very convenient addition.

Which devices support the app?

For convenient operation of the application, mobile phones must have special technical indicators, which, by the way, are not too outrageous and inaccessible – most smartphones released over the past 5 years support all options.

By the way, this minimum is very convenient, because such indicators are now available on every phone, which is why we can say that most phones support the application.

Download and install

The process of downloading and installing the application is quite simple, but nevertheless requires a number of specific actions. The Troika contactless card is the first step on the way to downloading, you can buy it in the Moscow metro or in a shop.

The cost of the pledge is small – up to 50 rubles, in the end you can exchange it for the same value if there is no need to use it. It is also recommended to purchase a SIM card with NFC technology, you can buy it in official stores or by ordering on the original website.

Then the process of connecting Troika to the phone begins:

• Place a new SIM card in a special compartment of the phone.
• Open the app store depending on the phone brand (Google Play, App Store).
• Type “My Troika” in the search bar.
• Go to the first app and start installation.

If you encounter difficulties, you can contact support with a detailed description of the problem, but most often it occurs only when there is no Internet on the phone or when there is no memory at all. The download will be fast enough, after that you can open the application or add it to a convenient folder, just a few clicks, and you can use your map to the fullest.

Setting up the application

In most cases, the application asks to go through a simple registration process, for this you need to provide a certain amount of data, the whole process is safe and protected from hacking.

• Indicate original passport data.
• Enter your phone number.
• Add an email address.
• Generate a password for a new account.
• Add a card by tapping the ticket on your smartphone.

It is important to make sure that during the registration process there is always Internet on your phone, otherwise the application will give an error. You can add any e-transport pass.

• Open the app on your smartphone.
• Head to the payment section.
• Put the card to the back cover to recognize the number (if you can’t recognize it, try removing the phone case).
• Check with automatically indicated indicators, check each item for further workflow.
• Click the plus icon.
• Choose the amount of money to replenish the balance, there are no restrictions.
• Select an available payment method – mobile phone account or bank card.
• If you stopped the selection on the card, enter all the details of the card (number, owner) and click on the confirmation of the operation.
• Make sure the money is credited, if nothing happened, update the application.
• Add funds to the plastic card, to do this, attach it to the back panel again and wait ten to fifteen seconds.

All this will take you no more than five minutes, but at the same time you will save up to several hours, while being in a comfortable environment. If the replenishment failed, contact the application support.

Contactless fare payment with Troika card

It is very easy to pay with a troika card in certain modes of transport, such as buses, metro, trams, trolleybuses, you just need to hold the card to the turnstile and wait for a sound confirmation. Paying for travel by phone instead of a troika card is also a fairly simple action, to pay, unlock your iPhone or Android, open the appropriate tab and also bring the phone to the reader, waiting for the beep. Two simple steps will save you a lot of time, unlike paying with coins, bills or tickets, where there are many more steps.

Is it possible to add a triple to the phone?

Of course, it is possible and even necessary to do this. The main method is linking via SMS. Use the number 3210, you can do this only if you have an Adndroid or iOS phone. The whole process will not take you even ten minutes, which is very convenient. Google Pay.

You can bind Troika through the specified service just as easily as with banking instruments. At the same time, there are a small number of requirements, namely an Internet connection, the presence of an NFC module, one GB of free memory and a 1 GHz processor. Only with these parameters you will be able to start binding.

• Unlock your smartphone.
• Enter the app.
• Click on the plus and on “add”.
• Scan the card or enter the information yourself.
• Enter the remaining data, in particular the phone number.

It will not be difficult to pay the fare after binding, for this you will just need to unlock the phone, go to Google Pay, bring the gadget to the turnstile and wait for the payment to be completed.

https://youtube.com/watch?v=5PqjK7n7u3w%3Ffeature%3Doembed

Apple Pay

Linking a trio with nfc to Apple is as easy as to many other services. To do this, you should:

• Open the “Wallet” application, which is automatically installed on the smartphone.
• Click on the “add card” button.
• Scan the card in the same way or enter the data manually.
• Enter the code from the SMS message, if it does not come, wait a few seconds, and then try to repeat the operation.

Done! The card is linked, start using.

Samsung Pay

• Click on the “add card” section, and then on the “+” icon.
• After turning on the camera automatically, point it at the card, keep the phone steady.
• Enter the remaining data and confirm the binding.

Now you can also use your Troika card through Samsung Pay, which is a very nice and convenient addition.

Based on tens of thousands of positive user reviews, it appears that the card

Troika is a real find, it is recommended by thousands of people who have already tried payment. The ability to link the card to the phone is a nice addition, it helps to take only one phone with you. The application itself is a very convenient mini-bank with a concise interface that everyone can understand. Payment by card or through the application is really simple, it is enough to perform two actions that replace the process of transferring money, receiving a ticket, presenting it to the controller.

Replenishing the card through the application makes it easier to use: no need to go to a certain point and wait for replenishment in the crowd. Among other things, it is possible to pay for travel through many other services, it will not be difficult to attach a troika, and the process itself will take several minutes.

The use of this card facilitates travel, gives a complete saving of time and effort. Payment via card does not exceed the cost of paying in cash, so in fact the client does not lose anything, but only acquires a solid tool that will serve as an assistant for many years.

• Installation and authorization
• Main menu
• Working with cards
• View payment history
• Wallet upgrade
• Wallet settings

Installation and authorization

User registration is required after installation. The specified phone number will be used as the wallet number. Authorization in the payment system is possible via phone. Run the application and in a special line enter the number that will be linked to the electronic account.

A four-digit confirmation code will be sent to the indicated number – enter it in the window that appears. Then you will need to come up with a code to enter the application, which must be entered every time you launch the wallet on a mobile device.

This completes the wallet registration. The user is automatically assigned the status of “Minimum” and most of the functions become available.

Main menu

QIWI mobile application interface is intuitive. Its main functions are located on the “Home” tab – here the balance of the electronic account is displayed, as well as a button for replenishing the wallet. At the bottom there is a panel with various tabs.

Below is the “Favorites” section, where you can save the operations that are used most often. Clicking on the “All” button on the right opens an additional list. To add a function, just click on the plus icon on the top bar.

All operations on payments and transfers are located in the corresponding section. To go to the list of all available services, tap on the link “All”. Payment functions are divided by types, and a special line is implemented for easy search. To activate it, click on the magnifying glass icon in the upper right corner.

Working with cards

In the “Cards” section, you can find detailed information about all used bank media that are linked to the wallet. Adding a new one is possible on the “Cards of other banks” tab. Q IWI works with the Mastercard system.

There is also an opportunity to issue a QIWI Wallet virtual card. We have detailed instructions on our website on how to create it. The payment instrument has a common balance with the wallet account.

Read more: How to create a virtual QIWI card

If your mobile device has the NFC contactless payment function, you can use virtual media to withdraw cash from ATMs, as well as pay in regular shops and cafes. In a separate article on our website you can find out how to replenish the card account, as well as make a payment.

Read more: How to use the virtual QIWI card

The QIWI payment system issues plastic cards, which are no different from bank cards. The “Cards” section on the smartphone displays information about the available options, different in price, terms of service and features:

• QIWI payWave +;
• QIWI payWave;
• QIWI Priority.

To order a carrier, tap on the chosen one, then read the information about the card and terms of use. Click on the “Order” button.

You will need to fill out a special form, including the address and method of delivery, pay and wait for a QIWI card.

View payment history

The “History” tab displays information about transactions that were made in the electronic wallet. Here you can find the time and date of the payment or transfer. With a single tap, an additional window will open where you can get a receipt, see the transaction and account number, type of operation, payment amount and commission.

It is not possible to clear the transaction history using the built-in wallet tools, since the information will help resolve disputes in the future. In this case, you will have to completely delete your account in the payment system by contacting technical support. We have a separate guide on how to do this.

Read more: How to delete history in QIWI wallet

Wallet upgrade

Through the “Profile” tab, you can change the status of the wallet – to do this, go to the “Identification” section. Information about the user, available account limits for cash withdrawals and payments is also available here.

In the “Security” section, it is possible to change the access code. To do this, you will need to enter the old password, then come up with a new one. The user can also manage devices that use the payment system application, including the web version.

Wallet settings

In the “Settings” of the application, the user has access to some parameters related to the electronic account:

• opening a new account in various currencies: rubles, tenge, dollars and euros;
• setting up a fast payment system;
• change settings for SMS alerts and push notifications.

Additional feature packs are purchased through the section, which open access to various additional features. For example, the “QIWI Master Package” includes the endless release of new virtual cards, management of the set via API, as well as operational technical support in the application, on the website or in Telegram.

Mobile version of QIWI in browser

You can use QIWI wallet through a mobile browser. To do this, you need to go to the official website of the payment system through any browser on your smartphone. The functionality is the same as the web version on a computer. Our separate material has all the information on how to use QIWI features from a computer, from registration to deleting a wallet.

Read more: How to use QIWI Wallet

World standards in the banking industry provide for the availability of a mobile banking service that allows you to manage your account, as well as receive the required information if necessary. Modern software is used by Tinkoff Bank, which specializes in providing online services. Tinkoff mobile bank in 2016 was recognized as the most effective among applications that are used in Russia. In the mobile version, almost all operations that are performed through your personal account are available.