Visa payment ring from Sberbank and Alfa Bank to pay for purchases using NFC. Where can I order a Visa ring.

What banks offer?

Russian banks have been offering rings for contactless payment since 2017.

Sberbank

It is impossible to purchase an NFC ring from Sberbank, the joint project with Visa is closed, you can get the gadget only in three Russian banks. For the security of linking the ring, a separate account was created, on which a limited amount of funds was allowed to be stored.

The maximum volume of transactions in the reporting period was limited.

Alfa Bank

Alfa-Bank offers contactless payment rings only for Alfa-Private clients. The project was launched jointly with the Visa payment system.

You can link a gadget to an account or only to Visa Alfa Miles Signature and Infinite cards. Charging or replacing the battery is not required. The ceramic gadget will withstand drops and dives to a depth of 50 m.

Tinkoff

Tinkoff Bank, despite the desire to keep up with the times, does not offer its own version of a “smart” ring, but any one purchased independently can be used to link to a card or account.

Russian Agricultural Bank

Rosselkhozbank offers rings worth 4,500 rubles and weighing 5 grams. together with the Pay Ring manufacturer, which are positioned as a new form of payment card and are made of zirconium dioxide.

There are 4 models to choose from called Saturn (black, matte, with two types of cut), size from 16 to 24 (step 0.5). Binding is possible only to cards with the “Individual” or “Personal” tariff plan. With the gadget, it is allowed to play sports, wash hands, swim, get caught in heavy rain.

The ring from the ICD costs 4500 rubles, but the size range is smaller (16.5-21). Choose from smooth, matte, smooth and cut, black and white, and black and blue with stripes.

If you purchase Moskart Black before July 10, 2019, the contactless payment gadget is included as a gift.

Smart ring from Sberbank

The watch is not the only innovation released by a major Russian bank. Also in the innovative line are a bracelet and a ring endowed with the functions of bank cards.

Analysts believe that the MC Standard technology used in the device will be the ancestor of a new concept designed to replace plastic cards, which are easy to lose and easier to steal.

The decline in popularity of standard bank cards serves as proof of the validity of this conclusion.

The watch looks stylish and fashionable. Universal design allows you to wear the accessory for both women and men. With the help of jewelry, you can quickly and easily carry out monetary transactions. The gadget has the following features:

• The following items are sold with the device: PIN (printed on the secret coupon), Smart-card, manual, warranty;
• the watch can serve as a means of payment when used on any device that supports Pay Pass technology;
• the described accessory was developed by Watch2pay, a company located in Austria, which has been introducing similar devices since 2002;
• the line includes 2 different color options: white and black.

AlfaPay owners can pay for purchases with watches instead of cards in 68 countries of the world, and the list of countries is growing every year. It is enough to bring your hand with the device to the device equipped with PayPass technology, and the payment will be made.

Alfa Pay is an analogue of a bank plastic card. To use it, you need to be a bank client who has connected to one of its financial offers:

• A-Club;
• Maximum;
• Optimum;
• Comfort.

By connecting the most preferred product, you can order the described accessory for convenient use.

If you are interested in the innovative product of Alfa Bank, you can order its production in one of 2 ways:

• visiting a branch of a financial institution;
• verbal application by calling the “hot” line.

The device is made within 5 days. The cost of its manufacture is 5,000.00 rubles. As a result, you will become the owner of an analogue of a debit card.

Russian Agricultural Bank

Visa recently presented a special payment ring for Sberbank. The gadget is designed for contactless payment transactions. To make a payment, you just need to place the Sberbank Visa NFC payment ring over a special device.

Payment for goods and services is possible through a chip embedded in the ring, which is also responsible for security. If the device is lost, it can be blocked at any time using a smartphone.

The operation of the built-in antennas is not disturbed, since there are no metal elements in the design of the gadget, it is made of ceramics. In addition, the Sberbank Visa payment ring is waterproof and quite resistant to shock.

In order to place an order for this miracle of technology for paying for purchases in a contactless way, you will have to wait. At this point in time, Sberbank, unfortunately, is still conducting various tests and the ring is not available for purchase. However, the implementation of this interesting project throughout the country should begin soon.

Nevertheless, you can not wait and buy the ring yourself, while avoiding the intermediate link – the Sberbank company.

Alfa-Bank also offers its own payment ring to customers. True, today it is available only to a certain category of users. The gadget is issued together with a card for premium customers and is considered a special bonus for very active use of various service packages or bank cards from Alfa-Bank.

At the same time, the official conditions for using the Alfa-Bank payment ring are completely dependent on the connected bank card. Therefore, this is all individual.

A bank client can independently choose the size and color of the gadget. Models are currently available in white and black quality ceramics. The absence of metal in the technological jewelry makes its functioning more accurate, since the alloys are able to block the transfer of data from the chip and require a little more effort to complete transactions.

Where to buy

There are three ways to buy a smart ring: in a bank, on the Internet and on AliExpress.

At the bank

Only MCB, Alfa-Bank and Rosselkhozbank sell payment rings on their own. As part of special promotions or when issuing premium cards, the device is provided free of charge.

When submitting an application, you must specify the correct size in accordance with the standards adopted in the Russian Federation. Upon receipt of the gadget, employees make the necessary settings, you can immediately go shopping.

In the online store

Russian and foreign online stores offer a variety of “smart” rings that support contactless payment technology.

AliExpress

On AliExpress (the range is huge, prices start from $0.8). Models from the company Jackom are mainly presented in different price categories.

The purchase is delivered to any region of the Russian Federation. To obtain a quality product, it is advisable to carefully choose a seller based on reviews.

How to set up and use the NFC payment ring

How to use an NFC ring is a question asked by the owners and buyers of the accessory. Due to the fact that this method of making payments is not common in Russia, there is also little information on it.

The NFC smart ring is configured only through the phone using the Ring Control program. To do this, the user enables the NFC-enabled Android Beam function in the phone settings, and then opens the application.

1. When you first enter the application, the user sets a security password, after that you need to unlock the phone using the ring.
2. The smart alarm turns on or off when the accessory approaches the phone.
3. Card Service works like a bank card manager: it reads information from cards linked to the phone, transferring information to the NFC ring to pay for purchases.
4. The Share Info function is designed to transfer electronic information: business cards, contacts, messages, Internet links.

NFC technology to pay for purchases

NFC is a special technology with which the user, due to magnetic fields, can exchange information at distances of up to about twenty centimeters. Translated from English, NFC stands for “near field communication”. It is worth noting that the farther the objects are from each other, the worse the overall data transfer rate. This technology can be compared with the more familiar Bluetooth. Their difference is only in the greater speed of NFC signaling.

Getting Started

As soon as you remove all the contents from the package with the watch, break out the SIM card and place it in a special slot, which is located on the side of the gadget. What remains, do not throw away, as important information is printed on the main part:

• PIN;
• validity period of the plastic analogue;
• number.

All of the above will be needed to make payments on the Internet. Calculations are made as follows:

1. Check if the payment amount is correct.
2. Bring your hand with the card to the reader for a few seconds.
3. Wait for a sound signal that will confirm that the payment has been made.

For comfortable use of the “smart” ring, it is advisable to follow simple rules:

1. Do not cover the chip with your free fingers so that there are no obstacles for the signal to pass through.
2. Avoid strong overheating and keeping the gadget in a low temperature.
3. Do not drop, avoid strong blows.
4. Purchase anti-tamper models.

Ring Benefits

The Visa payment ring is a familiar thin axis, inside of which there is a programmable NFC chip. However, it is not visible from the outside. With the help of such a gadget, you can easily pay for a variety of purchases using convenient and fast contactless technology.

Among the main advantages and advantages of the Visa payment ring, it is important to note the following:

• Clear and simple instructions. You only need to read it once to understand how to use the gadget.
• Convenience. This accessory was originally developed to significantly simplify the payment of athletes, however, since this technology has proven itself, it was decided to release it to the mass market. The novelty immediately attracted attention due to its convenience and a number of advantages for making various purchases. Today, Visa rings are quite a popular accessory. This is the best choice for those who love comfort in everything.
• Stylish design. The device is small in size and has a smooth, minimalist surface. On the inside of the ring are the logos of the developers. Each client can choose the most suitable device for him in size. At the same time, it comes to customers packaged in a beautiful small box with a special guide for using the gadget.
• Great reliability. This small device is not afraid of household chemicals and various mechanical damage. Over time, chips and deformations do not appear on it. Also, the NFS payment ring is not afraid of increased moisture, so you can safely take a shower without removing the gadget from your finger. Wearing the device, you can play any sport and lead a very active lifestyle, as the accessory can easily withstand a variety of loads in the form of bad weather.
• Great accessibility. Today, the use of such a ring is possible wherever electronic payments are required. At the same time, payment in this way is available virtually throughout the planet.
• Ergonomics. The creators of the Paywave ring have made it extremely ergonomic, so wearing it is a convenience.
• Autonomy. The Visa payment ring is completely autonomous, that is, it does not need to be constantly charged, or the battery needs to be changed.
• Ease of account replenishment. In order to replenish the Paypass payment ring, no complicated manipulations are required. It is enough just to contact the bank branch, or use the nearest ATM.
• Low price. You can buy a Visa Paywave ring today at quite affordable prices.
• Wide range of payment options via token. Tokens contain all the data about the client’s bank account and at the same time ensure the safety of funds. This unique identifier simply cannot be falsified somehow.

The benefits described above are the most important, but the Visa payment ring has many more.

Pros and cons

The NFC ring has the following advantages:

• the most convenient format among gadgets suitable for contactless payment (small size and weight);
• worn on the finger, literally always at hand;
• saving time when making everyday purchases;
• universal design, suitable for men and women, fits into any style of clothing;
• adequate cost;
• a high degree of security when making transactions;
• some models do not require recharging.

Disadvantages of NFC payment rings:

• a small selection of really high-quality models with an adequate cost;
• for contactless payment without entering a PIN code, the name of the cardholder is not printed on the check, in a disputable situation it is difficult to dispute unauthorized debiting;
• cheap models do not have protection against intruders (like smartphones), you can block the ring only by calling the bank;
• small limit when paying without a PIN;
• requires a smartphone to use (excluding cloud storage models).

In the reviews of people who already use the described device, you can read about the following advantages of AlfaPay:

• good money protection provided by a high level of system security;
• can be used in terminals and ATMs;
• good resistance to mechanical stress;
• there is no need to hand over the watch to the cashier for the operation;
• speed of transactions.

The main drawback of the device is that it appeared in Russia too early. In many cities, you will not often find devices that accept contactless payments. Also, some users note the average very simple design of the device.

How to pay for a purchase with a ring. How the gadget works

The NFC payment ring has a special chip inside, which is also installed in regular NFC-enabled bank cards. The gadget contains a special microcircuit, which is fully adapted to its dimensions.

Virtually any data can be applied to the chips placed in the device. They can be read by special devices that fully support NFC, including electronic locks, modern smartphones, ordinary subway turnstiles, as well as terminals for paying with plastic cards.

Banks offer their customers contactless payment via Visa ring, usually as a special loyalty program. These gadgets are fully adapted for various financial transactions. The decoration can be easily tied to a plastic card with a contactless chip using the appropriate application through a regular smartphone.

The principle of using this ring is actually identical to the principle of using a card for contactless payment.

The gadget will just need to be attached to a special reading device for a couple of seconds. It is worth noting that the ring must be applied with an edge, that is, a finger with a high-tech decoration must be bent.

Conclusion

Even though, due to the lack of suitable self-service machines, AlfaPay can not be used in all localities, the smart accessory is of interest to Russians, mainly the younger generation. This is a promising technology of the future, which can be used today.

The contactless payment segment is growing, but “smart” rings with an nfc chip are slowly gaining popularity, especially in the Russian Federation. But they have excellent prospects.

This is not just a beautiful and fashionable youth accessory, it is a useful gadget that helps save time when making everyday purchases. It takes a few seconds to pay, the funds are completely safe. The device is small and light, does not cause discomfort.

But it is still too early to consider it as a full-fledged replacement for cards or cash, it is impossible to completely abandon carrying a wallet due to undeveloped infrastructure. Not all payment terminals support contactless payment. The rings support contactless technologies PayPass from MasterCard and PayWave Payments from Visa. Sberbank, with the largest service network, does not plan to resume issuing its own version of the ring with NFC in the near future.