You can use it right now, there are only three conditions:
1) You must have an iPhone SE, iPhone 6 or a newer model (iPhone 5 / 5S in a bundle with Apple Watch will also fit);
2) you have a debit or credit card "Sberbank";
3) This is a MasterCard payment system card.
Apple promises to add other banks and payment systems, but do not yet say which and when it is.
How to pay
The payment process looks like this: you get the phone, quickly press the "Home" button from the locked mode twice, select the map (if there are many of them, one of them can be assigned to the standard), scan fingerprint and bring the phone to the usual payment terminal. Further Money is written off from the account, and from the machine climbs the check. At the same time, the Internet connection on the phone is not required - the exchange of data with the bank occurs through the payment terminal.
The button can not be pressed - when the device approaches the iOS terminal, the Apple Wallet application itself will start. It is in it that cards tied to Apple Pay.. You can manually drive these cards or take pictures of its smartphone camera - he himself recognizes everything.
In the same way, payment and Apple Watch are organized - double-click on the Digital Crown button twice, select the map, bring to the device. By the way, in the case of payment for hours you can leave at home - it is not needed for translation.
Where to pay
Apple Pay Retail in Russia will be supermarkets "Atak", "Auchan", "Alphabet of taste", "Magnit", BP gas stations, Starbucks coffee houses, Eldorado electronics stores, M.Video, Re: Store, MediaMarkt and Tsum.
The partner status assumes that the terminals in these outlets were fully tested for compatibility with Apple Pay. This will be reported to the corresponding stickers.
However, the system will work in general with all banking terminals with support for contactless payments. Such devices with the possibility of payment by technology Visa PayWave. Or MasterCard PayPass can already be found in many places. Apple estimates the number of outlets in Russia, where Apple Pay will work, in 200 thousand.
Payments through Apple Pay can be performed not only in theline, but also on the Internet - in Russia such a type of payment added to mobile app Airlines S7, as well as apps for travelers APP IN THE AIR and "Railway tickets". To pay, it will be necessary to simply touch the touchid sensor.
When paying from any Apple device in a new online store for you, you will not need to drive the payment details - you can part with money in one click.
Apple Pay's browser supports any Mac computers, released since 2012, with the latest MacOS Sierra installed. At the same time, the purchase still will need to confirm with compatible iPhone or Watch.
Security and confidentiality
Transaction security is also provided on software and hardware level. Data exchange between the phone and the terminal occurs on the popular NFC technology, but with Apple modifications.
The device is assigned unique identificatorwhich is stored in encrypted form on a special electronic board inside the iPhone and Apple Watch, which does not have access from outside. During the transaction, a disposable is generated secret codewhich together with the identifier of the device is sent over the Internet connection of the terminal to the bank. Then the bank merges the identifier with data on the map and confirms the transaction. It sounds difficult, but actually takes a couple of seconds.
In this scheme, it is important that detailed maps data are not stored on the device or on Apple servers. The company refused both of this and from online storage of information on transactions to ensure user privacy. The transaction list is stored in the phone's memory in the Wallet application.
What happens if you lose your phone or watch? Pay for something stolen gadgets fraudsters will not succeed. On the phone for this they will need your fingerprint, and on the clock - a short pin code that you have to create in obligatory When connected to Apple Pay. Moreover, payment system Can be disabled through the application "Find iPhone".
Conditions and competitors
Sberbank estimates its current turnover on contactless payments in Russia at 13.2 billion rubles per month. Since last year, the monthly turnover, as well as the amount of contactless transactions increased four times, and by the end of 2017 compared with today's Day in Sberbank, they plan to increase the number of contactless cards six times, and by the end of 2018 - 20 times.
According to Alexander Torbakhova, Deputy Chairman of the Board of Sberbank, Apple Pay technology fits perfectly into the bank's developmental development strategy without paper documents and physical conductors (bank cards). "Contactless payment with mobile phone It will be a step towards the abandonment of cash, "said Torbakhov in comments for" RG ".
Apple, Sberbank and MasterCard do not disclose the terms of the transaction, in particular the amount of the Commission for conducting transactions.
Just a few days ago, September 29, in Russia began the work of a similar service, Samsung Pay. Its first partners were five Russian banks: Alfa-Bank, VTB24, MTS-Bank, Rifaysenbank, Russian Standard, Yandex payment system, as well as MasterCard.
Samsung Pay works on Samsung Galaxy S7, S7 EDGE, S6 EDGE, NOTE 5, GALAXY A5 and A7 (released in 2016) phones. Unlike Apple Pay, Samsung Pay works on devices without a NFC chip - phones can be applied to the magnetic strip reader.
Apple Pay himself was launched in the USA in October 2014, now it is supported by about 3,000 banks around the world. Russia has become the tenth country where the service works.
September 2017 payment instrument Apple Pay turned 3 years old. During this time, he managed to achieve incredible popularity in America, in Europe and above all in Asia. Statistics collected by the "Apple Company" amazing: If you believe her, every second owner of a mobile phone in India, Thailand and Indonesia prefers Apple Pay. Apple Pay Geography is regularly expanding: at the end of 2017, you can pay for the purchase of this tool in such exotic places like Jersey and Guernsey Islands, and even in the Vatican.
Jennifer Bailey, Vice-President of Apple, declares that 98% of Apple Pay users are satisfied with the work of the mobile payment system - and all due to its simplicity and security. Yuzer iPhone, which still prefers to roll on Pin Pade a map with a magnetic stripe, fit to try a new way - is the likelihood that it still does not want to return.
The principle of operation of Apple Pay is based on technology - wireless data transmission to short distances (maximum 20 cm). The system is digitized by the user's bank card and encrypts information by applying another important component - Secure Element chip. The information that is contained in the Secure Element memory is not sent anywhere - Apple also cannot access them.
Apple Pay includes other items:
- Secure Enclave. - responsible for authentication, fulfillment of payment transactions and storage of dactyloscopic data.
- Apple Pay Servers. - Server part of the payment system responsible for the state of maps entered in Wallet.
When the smartphone owner brings it to PIN Pad, there is a pair of 2 devices. They begin to exchange the so-called tokens - generated randomly sequences of numbers. If, knowing the token, pick up the key and correctly decrypt, you will get a bank card number. However, in fact, this task is almost impossible. It is worth noting that to intercept the token - also the case is not easy; The information is immediately removed after the conjugation breaks (that is, the transaction hits).
The note. Apple carefully hides information about the encryption algorithm - what is very angry by the special services different countries. However, the stubbornness of the company is justified - obviously, Apple understands that if it gives the key to someone, then will lose respect for users.
What devices support Apple Pay?
Apple Pay can be used by the following devices:
- iPhone 6th, 7th and 8th generations, as well as X and SE models.
- Ipad 4, Mini 3, Air 2 and Pro tablets.
- IWatch watches.
- Mac released after 2012.
Apple Pay will be able to set up on the 5th generation iPhones - however, in this case, without Apple Watch you can not do.
How to connect Apple Pay?
First of all, you need to tie a bank card to the service. If the card is issued by Sberbank, it is necessary to act like this:
- Download, install and open the Sberbank online application.
- In the list of cards, select the appropriate and click " Apple Pay.».
- A window will appear on the screen offering Add a map to Apple Wallet. Click on the appropriate button - this is what you need.
- On the next screen, select the device to which Apple Pay Apple - iPhone or Watch Watch. Then at the stage " Adding a map»Press the" Further».
- Take " Terms of User Agreement».
- When the message appears on the screen Map added!", Press on" Ready" Now the card is tied to Apple Pay.
Similarly, you can bind to the payment system and another card. If maps are several, the management of them should be carried out in corporate application Wallet.
You can use the card bindings and without using the Bank's application - right in Wallet. Open the program. If the Apple Pay icon is present in the upper left corner, it means that the system is already activated. If not, follow in the settings section " Wallet & Apple Pay"And turn it on.
Then in the Wallet application click on " + "In the upper right corner, enter the maps data manually or take a picture of it. After that, the payment system must approve and remember the card.
If this message appears on the screen, it means that either you are trying to tie a bank card with which Apple Pay does not cooperate yet, or the card balance is less than 1 ruble. For 2017, the list of banks that support the Apple payment system is already quite extensive - it includes:
- Sberbank.
- VTB 24.
- Alfa Bank.
- Rosselkhozbank.
- Promsvyazbank.
- Raiffeisenbank.
- MTS Bank.
- Gazprombank.
- Tinkoff.
Also, all the cards "MegaFon", Beeline, Corn, Yandex.Money are tied to Epple Pei.
How to use Apple Pay?
To pay for the purchase by Apple Pay, it is enough to bring a gadget to Pin Pad and make a finger to the Touch ID, thus confirming the write-off of money.
You need to pay from Apple Watch somewhat differently: you should double-click on the button, which is located on the right end of the clock, and turn the device to the screen to PIN Pad. A characteristic sound will be heard - this means that payment has passed successfully.
If the purchase amount exceeds 1,000 rubles, it may be necessary to enter a PIN code or sign on the display.
The note. While payment on the gadget must be activated by the Internet - Mobile or Wi-Fi - for data exchange. If the iPhone is in the airport, pay the purchase will not work.
Many users are interested in such a question: is it possible to pay a commission for using Apple Pay? True, the Commission exists, but the percentage is obliged not to the owners of the devices, but banks and payment systems MasterCard and Visa - from each transaction 0.15%. Users themselves do not overpay anything.
Conclusion
"Apple" company continues to improve Apple Pey. With iOS 11 in 2017, the owners of the iPhone appeared the opportunity to produce direct remittance. Service that allows you to do this, called Apple Pay CashHe acts, alas, so far only in the United States. However, in the fact that the Apple Pay Cash will sooner and late or later get no doubt.
Apple also actively expands the geography of its payment system. According to rumors, Apple Pay will soon appear in other states of the former CIS. The first in turn of Belarus.
Apple Pay in Sberbank is a new payment system from the well-known manufacturer of iPhonov. Now the owners of MasterCard Sberbank cards can pay for goods and services in stores, attaching the phone to the terminal, and also pay online purchases with one click on your mobile device. To carry out the payment operation, you do not need to insert or brought the card to the terminal, enter details on the seller's website. Use physical media (plastic) and its data is not required.
Page Content
Apple Pay technology invented and launched Apple. The championship in testing the new technology in Russia belongs to Sberbank. He was the first to implement card binding to the system and launched payment with a new way from October 4, 2016.
IMPORTANT: You can bind any card to EPL PEI Sberbank Mastercard.. It was previously announced that in December 2016 such a function would be launched for visa owners (VISA), but so far this function is not implemented.
What do you need an Apple Pay service
The new contactless payment technology is designed for the convenience and speed of paying purchases both on the Internet and in ordinary supermarkets. The advantages of using new items can be called:
- Getting rid of the need to carry a bundle plastic cards. The new system allows you to use them through the phone, tied bank cards To Apple Pey.
- The phone is always at hand, most often lies in his pocket. When buying, you do not need to get a wallet from the bag and pull out plastic from there, then enter a pin code. It takes some time. With the new technology, the buyer is enough to bring the phone to the terminal, attach a finger and the operation will be performed in seconds.
Important: If the purchase amount is above 1000 rubles, sometimes you need to enter.
- When paying purchases via the Internet, you do not need to enter the card data, you need to click the Touch ID button.
- Additional safety is ensured, since with such a payment method there is no contact with plastic, which reduces the risk of theft of its data for fraudulent actions and reduces the risk of technical problems (demagnetization, damage, lack at the right moment with him).
- You can only make payment, since your fingerprint is tied to the Touch ID button. For safety reasons, it is not recommended to register fingerprints on it of other people, including even the closest relatives.
What you need to use Apple Pay
After receiving a new plastic will have to pay for annual maintenance, which is inappropriate, if you already have another card and you just want to test new technology. In this case, make the MasterCard Momentum MasterCard Momentum map from Sberbank. It is issued in 10 minutes and free. Get so easy and fast only in theory. In practice, customers face the situation when Sberbank employees persistently do not want to make out similar free Cardsresorting to different tricks. You may not know that they are not issued, not produced and not served. It is not true. Employees scare that free plastic is unsafe, prone to fraudulent attacks, and insist on designing a paid card. Failure to issue free plastic Employees can motivate the fact that you have already been framed a collection card. You can give up and agree with an employee or to arrange a scandal, insisting on your own, as you have full law issue free map Instant issuance. In different departments, the scheme of behavior of employees is different, so be prepared for "surprises". Telephone support and help hot line Also does not seek to support the Bank's customers, slowly and reluctantly solves this issue.
Of minuses new system Users note the insufficient prevalence of payment terminals that support contactless technology (although Moscow residents are satisfied with their dissemination, even in small stores and kiosks). And worry about security, although in vain. Your card data when connected is not saved in any of the applications in your phone and are not transmitted to the payment devices.
From October 4, 2016, Russia came in the number of countries in which the Apple Pay payment service is available. Those who wish to try out the novelty for sure has already arisen a lot of questions regarding her work. In this article we will tell, which is and how to use the service to pay for purchases using the iPhone, iPad, Mac or Apple Watch.
In contact with
What is Apple Pay?
- Apple mobile payments feature integrated into walletoffering a reliable and confidential way to shop with "apple" smartphones, tablets or smart watches.
This service supports all communicators in which the NFC chip (models starting with iPhone SE and iPhone 6) is implemented. However, the service can also use the iPhone 5 / iPhone 5S, connecting the device to Apple Watch (the system supports the first generation clock). In this case, work with the service will be carried out through a smart watch.
One of the main advantages apple systems Pay is its reliability and privacy. When paying purchases, the service uses an individual device number and a unique transaction code. This means that the card number is not saved on the gadget or Apple servers. In addition, it is not transmitted to the sellers when paying.
Why not fear to use Apple Pay in Russia?
Payment services are of great interest for fraudsters and cybercriminals. Therefore, users of such systems often have concerns about the safety of using such services. How safe to use Apple Pay?
Frequent questions from users and answers to them:
1. Information payment card may be compromised?
One of the key features of the "apple" system is that map data (number or PIN) are stored on the iPhone and Apple Watch in an encrypted formTherefore, it is impossible to high.
2. And if someone spied my pin code?
In the case of payment with Apple Pay pIN code serves a fingerprintwhich is known is unique for every person. Only law enforcement agencies can be accessed access to fingerprint images. In fact, the criminal will be much easier to get a password from payment card.
3. Can extraneous pay for purchases using those found or kidnapped Apple Watch?
Apple Pay users can pay using Apple Watch Smart Watch without iPhone. This feature Useful in cases where the user for some reason does not have access to the smartphone. The work of the payment system on Apple Watch provides mandatory setting of numerical passwordwhich must be reused to implement the payment. If you do not know, buy something will not work. Set the password as follows: " Settings» -> « The code»-\u003e Enter an arbitrary sequence of numbers.
4. I lost (I was stolen) iPhone with tuned Apple Pay, what to do?
The principle of action of Apple Pay is such that the system will not work without the appropriate setting (" Settings» -> Touch ID and Password Code) And activating the touch ID sensor. Thus, the criminal will not be able to access the device. Payment process through Apple Pay based on the fingerprint scan. In addition, if the transaction amount exceeds 1 thousand rubles, it may be necessary re-enter the passwordHowever, only after scanning a fingerprint.
5. Payment card data will be known to Apple?
If you are already buying content in App Store. Or pay for, worry about the fact that Apple will get access to the data of your payment card is inappropriate, since the card is already tied to the account.
6. Access to Apple Pay can get third-party applications?
Hard policy apple prevents appearance in her branded store app store dubious programs. In addition, IOS prohibits the installation of software from untested sources. Thus, such anxiety is unreasonable.
7. Are additional commissions charge?
Payments with Apple Pay are carried out without any commission. That is, the user only pays the amount that is indicated on the product label.
When paying with the help of an "apple" payment system, a commission of 0.15% is removed - 0.17%, but it pays it not a user, but a point where the transaction is carried out.
At the beginning of November 2016, Apple Pay works with debit and credit cards The following banks:
Where can I pay with Apple Pay?
You can use the service almost everywhere: from supermarkets and hotels to cafes and restaurants. Pay attention to the presence of these icons near the cashier.
How to tie a map to Apple Pay on the iPhone or iPad?
Binding cards is carried out through the Wallet program. To do this, run the application and select the option " Add payment card" At the next step, you need to add card details manually or scan it using the camera, and then confirm that the information is entered correctly.
On the iPhone 5 / 5C / 5S binding process occurs as follows: after connecting Apple Watch to the smartphone, open the program Watch -> Wallet -> . Adding a card is carried out in the same way as in the process described above.
How to pay with Apple Pay on iPhone
In order to pay, bring your gadget to the payment terminal supporting payPass technology. Look for any of these icons at the box office:
Without removing the blocking, double-click on the "Home" button. Next, attach your finger to the Touch ID and bring the smartphone to the terminal.
Example of payment through Apple Pay:
How to pay with Apple Pay on Apple Watch
If payment is carried out using Apple Watch, press the side button twice and bring the clock to the terminal.
Mandatory condition for working with the service is the Internet connection. This can be a Wi-Fi connection or a cellular connection.
How to work with payment service on Apple Watch
1 . In the Watch application on the iPhone, go to the section " My watch" If you have multiple smart clock models, select one that will be used to make payments.
2 . Click Wallet and Apple Pay.
3 . Add a map. If the map information is already saved on the iPhone, click on the option " Add" If you want to add new map, click " Add MasterCard." When the corresponding query appears, enter the security code.
How to use Apple Pay online via Safari in iOS 10 and Macos Sierra
With the release and users have the opportunity to pay for purchases using Apple Pay on the Internet. To use this feature, you need a Safari browser for iOS 10 or MacOS Sierra. The service works on all Mac based on MacOS Sierra, iPhone or iPad running iOS 10 and Apple Watch models using WatchOS 3.
To configure Apple Pay on the iPhone or iPad, go to " Settings» -> Wallet and Apple Pay -> « Add map" To use Apple Pay through Apple Watch on websites in the Safari browser on Mac computers, open the application Watch on iPhone -\u003e Wallet and Apple Pay -> « Add map" To work with the payment service on the Internet there must be logged in to the ICLOUD account.
Use the Apple Pay service on the Internet is quite easy - the option "Supports this function will be visible. Payment through Apple Pay" In order to confirm the purchase in Safari on Mac, you will need to press the side button of the Apple Watch twice. On the iPhone or iPad, this process is carried out using a fingerprint.
Here's what the work looks like with Apple Pay on Mac:
- To begin with, make sure that in the Safari settings in the section Confidentiality Posted point .
- Click the Apple Pay option to MAC and confirm the payment information and delivery of goods.
- Confirm the transaction on the Apple Watch.
- Confirm payment by double clicking on the side button on smart hours.
- You can choose a map that will be used to pay for the purchase.
- On Mac in Safari, a message appears that the transaction has passed successfully.
- This is what the Apple Pay interface on the iPad looks like.
How to use Apple Pay? For some time, the electronic payment system has become available in Russia, including, so it's time to figure out how to configure Apple Pay on iPhone, iPad and Apple Watch to pay for purchases. Earlier on our resource, we published a detailed, which work with, as well as instructions to make payment by Apple Pay. Now go directly to the process of registration of payments. Go!
- Add a map to the Wallet application on the iPhone, iPad and iPod Touch. Described in detail.
- Decide how you want to use Apple Pay - to pay a contactless way in stores, programs or on sites in Safari.
Apple Pay payment in stores
How to pay Apple Pay using iPhone: Instructions
Step 1. If you want to pay the default card already configured on your smartphone, simply bring your smartphone to the contactless payment device (terminal) at a distance of about 2.5 cm.
Step 2: Put your finger on the fingerprint scanner Touch ID and hold. The screen "Finish" and a symbolic mark should appear on the screen.
Important!
Sometimes in the terminal you need to choose between two items - arrival or consumption. In our case, you need to choose the arrival. If you need to enter the last four digits of the payment card number, on the smartphone, open the Wallet application, click on "i" to see the device account number.
If a few cards are added to Wallet, and you want to pay another card, not the one that is configured by default, you just need to switch cards. To do this, you need to keep the iPhone first about the terminal as in step 1, but do not click on the Touch ID. When you see the default card on the screen, click on it and select another. Only then put your finger on the touch ID by confirming payment.
How to pay Apple Pay using Apple Watch: Guide
Step 1. If you want to pay the default card already configured on your clock, press twice the side button.
Step 2: At the same time bring and hold your watch near the contactless payment device (terminal) at a distance of about 2.5 cm. In case of successful payment, you will feel easy ripple.
Important!
Sometimes in the terminal you need to choose between two items - arrival or consumption. In our case, you need to choose the arrival. If you need to enter the last four digits of the payment card number, on the smartphone, open the Watch application, select "Wallet and Apple Pay", click on the map to see the device account number.
If you use multiple cards and want to pay another card, not the one that is configured by default, you just need to switch between cards. To do this, on your smart clock, press twice the side button when you see the default card on the screen, make a swipe left or right to select another. After that, hold Apple Watch near the terminal before the payment is confirmed.
How to use Apple Pay in programs (applications)
Payments for Apple Pay in programs and on websites in Safari: detailed instructions
Payment of Apple Pay on Mac on sites in Safari
Step 1: Locate the "buy using Apple Pay" or "Apple Pay" and click on it.
Step 2: Carefully read and check the data for invoice, delivery, etc. Please note that you can choose not only the default card, but also any other that is tied to the device connected via Bluetooth (iPhone or Clock).
Step 3: After entering all data, confirm the purchase on your mobile device (on the iPhone using the Touch ID scanner, on the Apple Watch - click on the side button twice). With successful payment, you will see the "Finish" button.
