What is a pay pass on the map. Sberbank contactless card - what is it and how to use MasterCard PayPass and Visa payWave. How to use a contactless Sberbank card

Recently, banks began issuing Visa/MasterCard cards with one-touch payment - PayPass, over the radio. I was interested to see how it works - so I ruthlessly "dismantled" the Yandex.Money MasterCard card. The results of the autopsy are under the cut.

It will also be interesting to evaluate the complexity and production technology of the "card" chip, in the light of current talk about "national payment systems".

The first layer of the card is dissolved in acetone. Now the antenna is visible:

The chip itself: 2 pins go to the antenna, 5 - for the physical connection. By the way, the card is visible on an Android phone with NFC, identified as Type A (ISO/IEC 14443-4 Smart Card and ISO/IEC 7816-4 - Proximity Payment System Environment). Accordingly, the chip works like subway tickets - at a frequency of 13.56 MHz, receiving power at the same frequency.

The chip itself is larger:

The entire surface of the microcircuit is covered with metallization so that it is impossible to interfere with the operation of the microcircuit without additional difficulties:

I accidentally crushed the chip from the first card when I tried to tear it off, the second chip was covered with a black coating during etching: something was mixed into the glass, or I made a mistake.

Nevertheless, we still managed to see static and flash memory, evaluate their size and technology: on the chip there are about 2.5kB SRAM, 32kB flash, ~350nm production technology:

So there are no special super-technologies here, for comparison - micron chips for the metro turn out to be even more modern technologically (180nm, operation at the same frequency of 13.56MHz - although the protocol there is certainly orders of magnitude simpler).

PS. Is there anyone from the Yandex.Money support / security service among the readers? Please write to me in the mail from the work address, there was a question on your part.

Take full advantage modern technologies together with Home Credit Bank! Our product line includes advanced payment instruments, in particular, a plastic card with the PayPass function for contactless payment for goods and services. You get maximum security - the card is always in your hands, because the touch method is used for payment.

PayPass contactless payment technology is the development of an international payment system mastercard. The cards have a short-range wireless communication device with a range of about 10 cm. It provides data exchange with terminals that have the MasterCard PayPass logo. At the same time, there are no restrictions on the use - in the absence of an appropriate terminal, pay for purchases in the traditional way: the cards have a chip and a magnetic stripe.

Offers of Home Credit Bank

Our product with PayPass technology– debit currency Gold with an account in euros. The issue price is €25, the yield is 0.2% per annum on the daily account balance. The card is beneficial for traveling around European countries, since mutual settlements with the MasterCard system are carried out in euros - you do not have to lose additional funds on conversions. There is a MasterCard loyalty program - discounts on air tickets, hotel rooms, car rental, purchases from partners of the payment system.

The main advantages of the PayPass system

Any contactless card of Home Credit Bank is:

• Fast calculations. Payment by PayPass card is carried out with one touch to the terminal at the checkout. You need to enter a PIN code only at the very first transaction and when paying in the amount of 1000 rubles or more (in different countries your limits)
• Convenience. Settlement for purchases is carried out instantly, payment is confirmed by an audible and visual signal. The card does not need to be handed over to the cashier, only you control the payment process;
• Security. Wireless communication has a short distance and maximum connection speed - secure PayPass payments exclude data interception by fraudsters. Money cannot be debited twice - after the payment signal, the terminal turns off.

How to order a MasterCard

To apply for a debit currency card with PayPass contactless payment technology, come to any office of Home Credit Bank - see the addresses in your city in the section

Plastic cards are considered very convenient way when paying for purchases. They don't take up much space in your wallet. And in case of theft, scammers will not be able to cash out a card without a pin code. But they also have a minus - you can pay with a card for purchases in online stores where it is enough to enter a CVV code and the money will be debited from the balance. Therefore, plastic cards there is an alternative called PayPass. We will now tell about what it is and how this technology works in practice.

What is Pay Pass

PayPass is a contactless payment technology using MasterCard cards. To make a payment, it is enough to attach a card with a built-in microprocessor to a special terminal. In fact, such a card will become a microcircuit equipped with an antenna. In some countries, they have already begun to build such microprocessors into phones, wristwatches and other gadgets. With this safe system You can easily pay for small purchases. It is enough just to touch the object in which the chip is embedded, the terminal and that's it, the purchase is made. This method is very convenient in places with high traffic. Now you do not have to stand in lines for a long time or wait for change.

Benefits of contactless payment:

— modern look calculation;

- is a universal means of payment;

— excellent protection against swindlers;

- will last for a long time;

— Fast way calculation that does not require additional verification;

Where is this technology applied?

Although PayPass has been used in the world since 2003, it has not yet received a wide area of ​​application in Russia. The technology can only be used in cities with a population of over a million. Such a payment system is used in supermarkets, pharmacies, restaurants, cafes, gas stations and even in beauty salons. In order to develop this type of payment, visitors are offered discounts or gifts on purchases made when paying with the PayPass system. In addition, not all banks have implemented new technology Therefore, payment by credit card is a priority. Note that the system is beginning to be in great demand, and, for sure, in a few years it will become one of the main methods of calculation.

Support for MasterCards

The PayPass system supports both credit and debit cards mastercard. Before issuing a card, check with your bank about activating the service, otherwise the card may not have an embedded chip. The chip does not have to be built into the card. You can wear it on a regular keychain. Also, the system offers cards of its own issue with PayPass or PayWave Visa logos. The main thing is not to lose it! In Russia, you can pay using such a system for goods whose cost does not exceed 1 thousand rubles, otherwise you will have to enter a pin code. If you are not satisfied with the established threshold, then you can increase it by submitting a written application to the bank where the chip was issued to you.

How to pay using PayPass technology

When paying at the checkout, make sure that the purchase amount does not exceed 1000 rubles. Next, attach an object in which the microprocessor is embedded to a special terminal. Hold the object at the terminal until the chip is read (1-2 seconds). You don't need to do anything else! The withdrawal result can be sent by SMS message or check, which is available in the history of your bank account.

Cards with contactless payment technology differ from conventional ones in that they can be used to pay for goods at the checkout instantly, with one touch. One has only to bring the card to a special reader - the purchase has already been paid! Fiction? Not at all.

It's just that a chip and an antenna are built into such cards, thanks to which information about the payment is transmitted to the terminal. Such a novelty will undoubtedly please those for whom time is money. After all, now you don’t have to give the card to the cashier, and if the cost of a product or service is less than 1000 rubles, you don’t need to sign a check and enter a PIN code either.

There are contactless cards with payWave and PayPass technologies.

Visa payWave and MasterCard PayPass: what's the difference?

PayWave technology cards are payment cards Visa systems, and cards with PayPass technology - MasterCard payment system. On this, in fact, the differences end, since the methods of their use are almost the same.

Both settlement and credit contactless cards are issued.

How to use contactless cards?

Spend contactless payment you can in those places where there are Visa payWave or MasterCard PayPass logos. The purchase scheme is as follows:

• First of all, check the entered payment amount;
• Hold the contactless card close to the reader for a second;
• The fact of payment will be confirmed by a sound signal and an inscription on the display, after which the terminal will turn off (this excludes the debiting of a double amount).

If the payment is more than 1000 rubles, then you must additionally enter a PIN code or receive a check from the cashier for signature. But 1000 rubles is the limit for Russia. If you are paying contactless card outside the Russian Federation, then the amount of the restriction must be checked with the cashier. In some countries, exceeding a certain limit, it will be possible to pay for the purchase only by contact method. But this should not be scary, because both Visa payWave and MasterCard PayPass, in addition to the built-in antenna, have a chip and a magnetic stripe.

Contactless cards: pros and cons

Advantages:

— Record speed of the payment operation.

- No need to transfer bank card cashier.

- No need to enter a PIN code (up to 1000 rubles).

- Contactless cards are less likely to be subjected to mechanical stress, and therefore wear out less.

- It is especially convenient to pay with these cards where speed is important, and the amounts are not very large: at gas stations, in cafes, in public transport.

- Can be used in conventional ATMs or terminals.

— Accepted in more than 30 countries.

Disadvantages:

The main barrier to full use Visa cards payWave and MasterCard PayPass in Russia is the small number of outlets that are ready to serve them. Since contactless equipment is quite expensive, there is no hurry to invest in it.

Many customers are also put off by the uncertainty in terms of security. Fraudsters, like no one else, always keep up with the times. However, the payment systems themselves claim that contactless payments are securely protected.

Where to get contactless plastic cards in Russia?

While abroad, contactless transactions are already gaining momentum, in Russia there are still few banks issuing innovative cards.

In order to pay for the purchase, the cardholder Mastercard PayPass does not require you to enter a PIN or sign a receipt.Modern and forward-looking contactless payment technology makes shopping faster and easier.What is this system and how to get one"plastic", you will learn from the article.

Its essence is as follows. In normal payment card the chip is implanted. It allows you to make a cashless payment by simply bringing the card to the payment terminal.

In Russia, in this way, you can make purchases for an amount not exceeding 1 thousand rubles. If the cost of paid goods/services is higher, PIN numbers or a personal signature will be required.

The microprocessor with PayPass functionality is also available as a sticker. It can be glued to any convenient device, for example mobile phone or keychain.

Contactless payments will be available to MasterCard and Maestro PayPass holders. Visa offers a similar technology - Visa payWave, and the American Express payment system - Express Pay.

Payment by card with this technology is much faster than the usual "plastic". The Mastercard PayPass owner does not hand it over to the cashier, always keeps it in his hands, and controls the process from beginning to end.

Funds from the account when using contactless payment cannot be debited 2 times. After making the first payment, the terminal emits a sound signal and turns off.

This technology is equipped with both credit and debit cards. As a rule, the tariffs for these banking products are similar to those set for the usual "plastic". On the site dedicated to PayPass, you can find a list of banking institutions in the Russian Federation that issue such cards.

Among them are Alfa-Bank, Promsvyazbank, Russian Standard, Trust, Sberbank. PayPass as a convenient service is offered by a total of more than 30 financial organizations, their list is constantly expanding.

1. In Alfa-Bank, customers can choose contactless "plastic" from both budget and expensive offers:

• 6 debit cards. Among them are the classic Standard and Gold, as well as varieties of Aeroflot cards (Standard, Gold, Platinum and World Black Edition). They allow you to accumulate bonus miles that can be spent on air travel.
• 2 types of credit cards from the Aeroflot series: classic or gold. The interest-free period for them is 60 days. Service cost - from 1225 rubles.

2. In Promsvyazbank, the following are available for registration:

• premium "PSB-Platinum", assuming a priority service for its owner around the clock;
• premium All Inclusive. It provides free cash withdrawals at Promsvyazbank ATMs, 5% cashback for purchases and free Internet banking;
• credit "Supercard" with a grace period of 145 days, zero annual maintenance and a limit of up to 600,000 thousand rubles.

3. Russian Standard Bank does not offer MasterCard debit cards with one-touch payment technology. You can choose from the following types of loans:

• included in the RSB Travel Classic package. Its composition is 2 cards of American Express and MasterCard systems. The owners of "plastic" can accumulate bonuses, and at their expense pay for tours, plane tickets, hotel accommodation, car rental. Card limit - up to 450 thousand rubles;
• from RSB Travel Premium. It differs from the previous premium status. In particular, the package of services includes accident insurance. Its cost is included in the payment for the annual card service. Credit limit is up to 750 thousand rubles;
• included in Malina Gold Cards. Bonuses accumulated by cardholders during purchases can be exchanged for goods and/or services of program partners. Among them - shopping centers, pharmacies, gas stations, etc. This privilege is available to residents of the capital, St. Petersburg, Moscow and Leningrad regions;
• Russian Standard Gold. The map allows you to place personal funds. Rate - from 37%; limit - up to 750 thousand rubles; grace period - 55 days;
• RSB World MasterCard Cash Back card. This card provides a refund of money spent on purchases (standard - 1% of the amount). Credit limit - 450 thousand rubles; grace period - 55 days.
• Separately in a line banking products stands "NFC-bank card Russian Standard". This is a phone sim card. Suitable only for devices that support "NFC". Paypass in this case works in the same way as with regular cards. Difference: to the terminal, instead of "plastic", you need to bring a mobile with an inserted SIM card.

Near field communication- a system for exchanging information between devices that are at a distance of about 10 cm. It is similar in functionality to Bluetooth.

4. Unlike Russian Standard, in Bank Trust, choosing a card with Paypass technology is currently available only among debit products.

• MasterCard Platinum. Owners are allowed to withdraw money from any ATM without commission. There are up to 9% on the balance of money in the account. Internet banking is provided free of charge. Holders are insured. The first year of using the card is free.
• MasterCard Black Edition. For the convenience of status customers, there is a 24-hour concierge service and accrual of miles for buying air tickets. All this is in addition to the privileges of the previous card.

5. Sberbank of Russia offers the following cards from the MasterCard line:

• Standard class. It can be opened within salary project. Account currency - Russian rubles, euros, US dollars. It is possible to receive cash on identical conditions both in the Russian Federation and in subsidiary banks abroad. The cost of the first 12 months. service is 900 rubles / 30 dollars / 30 euros;
• Sberbank Premier premiums as part of the service package of the same name. Clients can issue up to 5 debit cards with contactless technology. Among the advantages of plastic holders are Concierge services, Priority Pass travel insurance, etc.

The process of obtaining a card with PayPass is no different from obtaining a regular bank "plastic". The procedure for registration itself depends on the bank whose services you decide to use. In some, you can apply for a card on the Internet. In others, you will have to write this application in person, at a bank branch.

The production time does not exceed the time for ordinary plastic cards without a PayPass chip. For example, at Trust Bank, they are ready to issue a card in 5 minutes.

The card is issued as follows:

• Choice of bank, card and tariff.
• Apply online or directly at a bank branch.
• Waiting for card production.
• Signing of necessary documents.
• Getting a card at a bank branch.

Holders of any active "Corn" card can receive "Corn" World MasterCard PayPass. Peculiarities:

• name card. This means that with its help you can not only pay for goods / services, but also book a hotel or rent a car;
• for each purchase, the owner receives 1.5% in the form of points;
• after activating this card, your previous, unnamed "plastic" is blocked. Money and points from it are transferred to the "Corn" World MasterCard PayPass.

1. Order a card in the Payment Cabinet of your valid card.
2. Pick it up from the courier or at the Russian Post office.
3. Give the card an active status: via SMS or Payment Cabinet.

Maintenance of personalized “Corn” is free. The cost of the order and delivery is adjusted individually (depending on the location of the settlement).

With a PayPass card, you can pay for services in places where payment terminals that support this functionality are installed. Most large stores, pharmacies, restaurants, cafes, cinemas accept payment using PayPass technology. The St. Petersburg Metro was the first transport company in Russia to launch the one-touch payment option.

On the website of the MasterCard payment system, you can find a complete list of companies that work with contactless payments. It needs:

1. Enter city.
2. Select the category of establishments you are interested in (pharmacy, gas station, restaurant, etc.). You can specify a specific name or enter an address.
3. View on the map a list of places where you will accept payment by PayPass card.

The advantages of this technology include:

• Reduction of time for payment.
• Simplification of the procedure.
• Security of contactless payments. The card is always in your hands and you have full control over the payment process.
• Convenience. With the help of a microprocessor-sticker, you can pay for purchases with the item that you always have with you (phone, key chain, wallet - whatever).

However, there are also disadvantages of this technology:

• Non-proliferation. If you do not live in the central regions of Russia, then the number of terminals equipped with PayPass technology is much smaller there.
• Technical difficulites. The one-touch payment system can fail and not always work. For this reason, it is not yet possible to completely abandon plastic cards and cash in favor of PayPass.

• Avoid negative impacts on the map - bending, moisture ingress. All this can damage the PayPass chip.
• Always carry cash with you, as the contactless payment system sometimes fails.
• Do not keep the card in easily accessible places such as back pockets of trousers, side pockets of bags, etc.
• Do not disclose your PIN to third parties.