Apple pay visa doesn't work. Visa launches Apple Pay in Russia. Option from Sberbank

Apple Pay offers users the ability to launch contactless payments from an iPhone. The service is absolutely safe and especially convenient in that you do not need to enter any data during calculations - just put your finger on the iPhone screen. Today the technology works in conjunction with MasterCard cards of more than a dozen banks. In the near future, it is planned to connect Apple Pay Visa Sberbank.

Characteristics of the Apple Pay service

You can pay with Apple Pay in supermarkets, salons, gas stations, catering establishments. Depending on the device, the algorithm for connecting Apple Pay to Visa Sberbank differs, for example. In the article, we will dwell in detail on the connection features and characteristics of the service, and also learn how to launch it from each device.

How does it work

For the app to work, you need to make sure your device has the Touch ID Fingerprint Scanner app installed. The program can be downloaded from the official Apple store, it is free.

In addition, you will need to connect your iCloud account and the installed Wallet application, its launch will allow you to scan information from plastic cards and launch contactless payment.

Some mobile applications, as well as online stores, accept payments using the new technology, and in the latter case, the payment will only work through Apple's proprietary browser - Safari.

Directly to connect Apple Pay, you need the Internet (Wi-Fi or mobile). The technology currently works with most Apple devices:

smartphones iPhone 6 and newer;
Apple Watch
iPad 2 or later.
MacBook.

Map support

So far, you can use the following types of Sberbank cards of the MasterCard payment system for payments:

Instant issue standard (Momentum);
Youth categories Standard with standard and individual design;
Standard Contactless;
Gold;
Platinum;
World Black;
Elite Premier.

At the same time, both ordinary debit cards (including salary) and credit cards are allowed to use. There is no way to link virtual cards to Apple Pay yet. Perhaps this will be developed and launched by the company over time.

Payment features

According to the changes in the legislation, all stores must be re-equipped with new generation cash registers, which necessarily include a fiscal electronic medium for automatically sending information to the tax service and a field generator using NFC technology.

It should be noted that while waiting for Sberbank to launch Apple Pay with Visa, most large retail outlets have already acquired new terminals, so the use of the technology will not cause difficulties.

To start a contactless payment for a product or service at a point of sale using the advanced technology Apple Pay Visa Sberbank, you must:

unlock iPhone by placing your finger on Touch ID;
tap on the number of the card with which you have to pay (if there are two or more of them attached to the account);
bring the phone to the top of the terminal where the reading head is located;
wait until the information is read and the receipt is received.

If you have the Sberbank Online application installed, then you will receive a Push notification about the withdrawal of funds, if the Mobile Bank service is connected, then SMS with information about the payment.

Payment using Apple Watch looks like this:

enter the password to unlock the device;
press the button on the side of the watch twice;
select the required card in the list;
bring the device to the terminal and turn it with the display towards the upper (reading) part.

How to connect the application

To connect Apple Pay, you need a Sberbank MasterCard. There is no Visa support yet, but you can order MasterCard Standard from the bank, which is in no way inferior in functionality to Visa, and transfer funds from one account to another. This will help you use a new way of transaction without waiting for Apple Pay Sberbank Visa to start working.

Launch Algorithm for iPhone

The installation method for the app depends on the type of device. So, for the iPhone, the algorithm for connecting actions will be as follows:

install the official application Sberbank Online, register your account;
tap on the Maps tab;
select the desired MasterCard system card and tap on it;
click on the Connect Apple Pay option (in some versions it is written Connect on iPhone);
through Wallet, scan the card and enter its data into the proposed form. The card will be fixed in the application as the main means of payment.

Choose a convenient way to configure the application and connect the necessary Sberbank cards to it - Internet Bank or Wallet

The second option works if Sberbank Online is not installed:

open Wallet immediately;
tap the + sign in the upper right part of the screen;
if you have already entered card details for payments in iTunes, it will appear, you can pin it;
tap Add another card if the one you want is not in the list;
scan the card, it will automatically be delivered as the main payment card.

Instructions for Apple Watch and iPad

If you use an Apple Watch, then connect the application in the same way. In addition, if you install Sberbank Online on both iPhone and watch, data synchronization will start automatically.

To install the application on iPad you need:

go to Settings;
tap Wallet, then select Apple Pay;
tap Add card;
if you have previously paid with a card in iTune, then you need to enter its security code, and it will "pick up" the iPad;
if the required card is not in the list, then it must be added using the scanner.

When will the technology work with Visa Sberbank in Russia

Since, as of the beginning of 2017, Apple Pay operates exclusively with MasterCard cards, the question arises when it is planned to introduce Visa Sberbank support to Apple Pay. Unfortunately, there is no exact answer to the question of when the technology will be launched for other systems.

As the deputy chairman of the board of the bank Stanislav Kuznetsov noted back in November 2016 in an interview that the Apple Pay payment service will be implemented together with the Samsung Pay service. Despite the fact that the services are essentially competitors, they have a lot in common, and the target audience using smartphones of both companies practically does not overlap.

Undoubtedly, if you launch Apple Pay Visa Sberbank in 2017, it will significantly increase the capabilities of the bank's customers and provide an additional flow of users. Currently, just over a dozen banks (including Alfa-Bank, VTB24, Gazprombank, Otkritie, Tinkoff) and the Yandex.Money electronic payment system are working with the technology, but they also interact exclusively with Mastercard cards.

Conclusion

Thus, there is no support for Apple Pay Visa Sberbank yet. It is not yet clear when exactly the technology will start working in Russia. If you already have a Visa Sberbank card, but you want to try the new technology in action, then you can order a card of the required payment system from the bank. Servicing an additional card will cost 750 rubles. If you wish, you can apply for a MasterCard credit card - Apple Pay also works with this type.

Thanks to the development of modern technologies, it has become possible to use mobile devices to pay for various purchases. Many users are interested in how to connect Apple Pay of Sberbank. The new payment system is based on contactless shopping technology. The operation takes place through confirmation by placing your finger on Touch ID on your iPhone, iPad, Apple Watch or Mac.

Almost every day, technologies do not stop developing and surprise with their achievements

Before connecting, you should study the instructions for setting up and the rules for using the service. With the help of technology, you can make payments from the card on the Internet, in applications and in retail outlets.

You must first observe the following principles and follow the steps:

The presence of a Touch ID scanner. For the safety of transactions, it is forbidden to register fingerprints of relatives and friends for binding to your smartphone.
Registration in iCloud (done by entering the ID in the Settings application).
Availability of the card.
It must be added to Wallet (an application in your gadget).

The service is also available for online store owners. As part of the acquiring service, you can order the setting of receiving transfers via mobile devices on your applications and online stores. With this opportunity, you expand the circle of your customers, provide them with the opportunity to save time when paying and keep pace with modern technologies.

How to connect Apple Pay on mobile?

It is possible to connect and use the application on iPhone, smart watch and iPad. Let's consider how to configure each of them in more detail.

Connection stages

Connecting on iPhone

The instruction has two variations, depending on the chosen method. The first way is to configure it through the Internet banking service by downloading the application in advance. This can be done through the institution's website for free.

Login to Sberbank Online.
Choose plastic from the list of your products, go to its page.
Click the "Connect to iPhone" item.
Next, you need to follow the instructions to link the card: you do not need to scan or enter any personal information.
Check the status of the selected plastic, it should change.

The second way is to use the Wallet app. After visiting it, you must click on the add icon (plus sign).

Here you can choose one of the options available to you:

Add a product associated with your iTunes account. The service will ask for a verification code for this plastic.
If this is not possible, you need to select the "add another" item. In this case, you need to use an iPhone camera to transfer data on your plastic (it must be available at the time of activation).

How to use the system on Apple Watch and iPad?

The safety of this technology should be noted separately. Data about the card product is not saved on the iPhone, and therefore, even if it is lost, outsiders will not be able to use it. And at the time of payment, no confidential information is transferred. Another person will not be able to perform the operation for you, because the procedure involves the interaction of Touch ID and the use of contactless technology.

How to use the service is described in detail in this manual:

If you need to make a payment, bring your mobile device to the terminal.
Place your finger on the fingerprint scan button.
A light vibration and a sound signal will serve as a signal for depositing money.

To use the "smart watch" when paying, you need to double-press the side button and turn it over with the display towards the terminal. Confirmation of the completion of the operation occurs by means of a sound signal.

Instructions for paying for purchases using a new contactless technology.

Payments via Apple Pay have become available to Visa holders of Alfa Bank and Tinkoff Bank, follows from materials posted on Apple's Russian website. Bank and Visa representatives confirmed this. Apple does not disclose further plans for cooperation with banks and other payment systems. The expansion of the circle of partner banks and payment systems occurs as soon as they are technically ready, says a source close to one of them.

Until now, Apple Pay in Russia was only available to users of MasterCard cards. At the beginning of October 2016, holders of the MasterCard issued by Sberbank were able to use it, and at the beginning of November, customers of eight more banks, including Tinkoff and Alfa-Bank, as well as Yandex..Of money".

In 2015, Visa accounted for 44.7% of all payment cards issued in Russia, MasterCard - 49.4%, follows from the report of the National Payment Card System (NSPK). According to the Central Bank, at the end of the first half of 2016, 249 million payment cards were issued in Russia. The payment systems themselves do not disclose the number of cards issued in Russia.

The share of Visa in the portfolio of Tinkoff Bank is lower than the share of MasterCard, says its representative Daria Ermolina.

The corporation announced the launch of Apple Pay in the United States in the fall of 2014.The service allows owners of Apple smartphones (now iPhone 6 and later models - 6s, SE, 7), as well as iPad Pro tablets and Apple Watch smartwatches to pay for goods and services from their devices using contactless payment technology (NFC). In this case, money is withdrawn from their bank cards linked to the application. Apple's vice president for Apple Pay Jennifer Bailey previously told Vedomosti about tens of millions of payment service subscribers around the world. According to Apple, in June 2016 their number grew by 450% year-on-year.

According to the estimate previously cited by the general director of Telecom Daily Denis Kuskov, 62–63 million smartphones are now registered in Russian cellular networks. iPhone 6, 6s, SE and 7 - up to 5 million, he said. According to an employee of one of the operators, at the beginning of October 2016, there were 3.5-5 million such devices on the networks of the cellular "Big Three".

Apple does not disclose data on the number of users of its payment system in Russia. Apple Pay is in great demand - the first thousand users connected to it in just half an hour, and the transaction turnover is already several million dollars, Tatyana Yarmola, director of products and e-business projects at Alfa-Bank, told Vedomosti.

Alfa-Bank has supplemented the service - if a client has lost the card, he can block the card itself and use payment from a mobile phone, this is especially important for travelers, for example, she says.

In the first two weeks, almost 53,000 MasterCard users connected to Apple Pay, the total amount of transactions exceeded RUB 145 million. - The average transaction amount per user was 2,774 rubles, says Ermolina.

As of October 13, more than 125,000 cards of Sberbank's clients were attached to Apple Pay, and the turnover of the payment service amounted to more than 120 million rubles, Kommersant previously reported with reference to its source.

Contactless payments are becoming more and more popular in Russia - according to the payment system, the number of transactions with Visa payWave cards has increased 4.5 times over the past year, says her representative. 84% of Russians know about contactless payment cards, and 38% use them, he says, citing data from a Visa study.

On September 29, 2016, Apple's main competitor, Samsung, launched its payment system in Russia. In early November, his spokesman said that the number of transactions through Samsung Pay is growing by 10% weekly, and the number of unique users - by 15%.

Smartphone manufacturers promoting their own payment systems can rely on bank commissions for transactions, says Evgeny Ladygin, ZTE Sales Director in Russia and the CIS. But now such systems solve primarily marketing problems - for example, stickers on POS terminals that accept payments from smartphones of a particular brand can be considered as a means of promoting it, he argues. The vendor does not plan to launch its own payment system on the market yet; it expects the emergence of a universal Google payment solution for Android, Ladygin told Vedomosti earlier.

Innovative developments are increasingly being introduced into the banking sector. Another interesting project was presented by Sberbank: Apple Pay - Visa and Mastercard - is a simple and secure way of paying for purchases.

Compatible devices

Not so long ago, bank card holders were interested in when Apple Pay will work with Visa Sberbank? The excitement around this issue can be understood: Apple Pay is compatible with devices running on iOS and macOS operating systems, and greatly facilitates the process of payments both in stores and on the Internet. Devices that work with this service include iPhone, iPad, Apple Watch and Mac products, modifications of which were released after 2014.

Apple Pay technology is compatible with:

iPhone 6 and up and works in stores, apps, and websites in the Safari browser;
Apple Watch (first generation, Series 1, Series 2) is accepted in stores, in apps;
iPad Pro, iPad Air 2, iPad (5th generation), iPad mini 3, iPad mini 4 and later in apps and on websites
Mac (MacBook Pro with Touch ID, 2012 or later Mac paired with an Apple Pay-enabled iPhone or Apple Watch) using Safari with an Apple Watch or iPhone 6 or a newer modification on which Apple Pay is activated.

In Japan, you need an iPhone 7, iPhone 7 Plus, or Apple Watch Series 2, purchased in that country, to pay for purchases and public transportation using Apple Pay.

Apple Pay connection procedure

Connection is allowed under the following conditions:

the device used must be equipped with a Touch ID fingerprint scanner;
connected to the Internet;
iCloud signed in.

Apple's iCloud is an internet service, cloud storage. To sign in to iCloud, you need to go to "Settings", where you enter the personal ID of the owner of the device.

Upon completion of the connection process, the status of the card on the main page of Sberbank online will automatically change. After that, the technology should work.

iPhone

How to connect Apple Pay from Sberbank to Visa or Mastercard - if you are using an iPhone, then you need to:

install the Sberbank Online application;
open it;
go to the bank card page;
press the button "Connect Apple Pay" or "Connect to iPhone";
follow the instructions offered by the system;
add a card to the Wallet app.

To confirm the operation, in response to manipulations in the process of connecting the card, Sberbank will send a one-time password. It must be entered on the appropriate line.

Another way to connect to the service is as follows - you need:

enter the standard Wallet application for devices;
touch the "Plus" sign, which is located in the upper right corner of the screen;
to connect the card (both credit and debit) associated with your iTunes account, you enter the security code for that card. You can also select "Add another card" and then using the camera you need to enter (take a photo with subsequent automatic recognition) data from the card form.

Apple Watch

To get started on Apple Watch, you need:

log into Sberbank Online (if there is no application, install it first) on the iPhone;
go to the card page;
click the "Connect Apple Pay" or "Connect on Apple Watch" button;
Following the instructions provided by the bank service, add the card to the Wallet app on Apple Watch.

Connection to the service is possible in another way. For this you need:

open the Apple Watch app on the iPhone;
touch "Wallet and Apple Pay";
select the link "Add a credit or debit card";
in order to connect, the security code of the required card is entered. You can choose "Add another card". Data from a card form is entered using a camera.

iPad

To connect Apple Pay on iPad you need:

open "Settings";
touch "Wallet and Apple Pay";
follow the link "Add a credit or debit card";
adding a card (credit or debit) linked to your iTunes account is done by entering its security code. You can also select the "Add another card" button. Then the card data is entered using the camera.

Terms of Use

The main purpose of the technology is to provide payment according to a simplified scheme in stores, in applications, in online stores, on websites, when a touch to the Touch ID of the device is enough to confirm the purchase.

This service is very convenient for those customers who have several cards. Thanks to the technology, you do not need to carry them with you, there is no need to enter card data at the time of payment.

Apple Pay works with any payment terminal that supports a contactless payment method, that is, accepting contactless bank cards. A special "Buy with Apple Pay" icon helps identify such devices.

Apple Pay comes at no additional cost, meaning it's completely free.

In the process of settlements in the terminals of stores, the connection of the device used to the Internet is not required. The process of interaction with the payment terminal is provided thanks to the contactless NFC technology.

Payment procedure through a payment terminal

How to pay with Apple Pay installed on iPhone:

launch the Wallet app;
select a card to perform the operation;
place your finger on Touch ID;
the device identifies the owner's fingerprint;
bring the device to the payment terminal;
the screen will display the message "Finish";
the device vibrates and gives a sound signal;
operation completed.

The procedure for payments via Apple Watch is as follows:

enter password;
press the side button twice;
select the required card;
turn the device so that its display faces the terminal;
the terminal will inform you about the payment with a sound signal.

After completing a payment transaction, always check the readings of the terminal. This is necessary to ensure that the transaction has completed successfully.

Calculations in mobile applications and on the Internet

You can pay with Apple Pay in those mobile applications and on those Internet portals that are marked with the Buy with Apple Pay icon.

Having chosen a product, you should pay according to the following scheme:

tap the Buy with Apple Pay icon;
check the information about the purchase being made, personal data;
on iPad, place your finger on Touch ID or double-press the side button on Apple Watch;
an image of a "checkmark" and the inscription "Done" will appear. This indicates the successful completion of the payment.

Types of Sberbank cards compatible with Apple Pay

Sberbank has ensured compatibility with both Visa and Mastercard payment systems.

Debit cards

You can connect to the service of the following types of Visa debit cards:

Visa Momentum;
Visa Classic with an individual design;
Visa Gold;
Visa Platinum;
Visa Infinite;
"Give life" Visa Classic;
"Give life" Visa Gold;
"Give Life" Visa Platinum;
Aeroflot Visa Gold;
Visa Signature Aeroflot.

Apple Pay is compatible with Mastercard debit cards such as:

Mastercard Standard, including custom-designed forms;
Mastercard Standard Contactless;
Mastercard Platinum;
Mastercard Gold;
World Mastercard Gold;
World Mastercard Elite Sberbank First;
Mastercard World Black Edition Premier;
Youth card Mastercard Standard, including cards with an individual design;
Mastercard Standard Momentum.

Credit cards

Among the Visa credit cards that can be connected to Apple Pay, the following stand out:

Visa Momentum;
Visa Classic;
Visa Gold;
Visa Signature;
"Give life" Visa Classic;
"Give life" Visa Gold;
Aeroflot Visa Classic;
Aeroflot Visa Gold.

Compatible Mastercard credit cards:

Mastercard Standard;
Mastercard Gold;
Youth card Mastercard Standard;
Mastercard Credit Momentum.

Payment security

The Apple Pay service ensures both the confidentiality of information and the financial security of users: when a card (credit or debit) is added, information about it, about its number, is not written to the device's storage media, is not stored in its memory, and is not transferred to servers. Accordingly, it is simply impossible to steal the user's personal data. Even at the moment of payment, the data on the card is not transferred anywhere.

The security of the contactless payment system is based on NFC technology. The range of data transmission via NFC is limited to a few centimeters, so it is almost impossible to discreetly bring the reader (terminal) close to the iPad. This is the first protective barrier - physical.

However, fraudsters have already learned how to make non-standard readers that work at a distance of up to 80 cm. Such a compact scanner allows you to read the data of contactless cards in any public places. A shielded wallet or the next layer of protection - cryptography - helps protect against such devices. Since access to the device, including Apple Pay, is opened solely upon the identification of the owner's fingerprints, it is impossible to allow anyone, including loved ones, to register their fingerprints on the device.

Another way to protect contactless payments is the EMV standard, which provides for the generation of disposable keys by the microchip at the request of the terminal. The resulting code is suitable for only one transaction. Therefore, even if it is intercepted, they will no longer be able to use it for the next operation.

So far, no practical EMV hacking scenario has been presented. NFC allows you to get data about a bank card, but in the absence of cryptographic keys stored by acquiring banks or payment systems, fraudulent actions are impossible. An exception is the participation of employees of these organizations in a crime.

The system provides additional protection in the form of a limit on the maximum purchase amount. If the amount of the payment exceeds 1,000 rubles, the equipment will ask you to enter the pin code.

An additional protective element of the service is that the connection is made to Sberbank Online, that is, on a portal with powerful protection.

The weak link in the contactless payment security system is the quality of the terminal settings of individual stores and organizations. Therefore, even when using Apple Pay, you must follow the basic rules of financial security: