The principle of operation of the nuclear submarine. What is Apple Pay and how it works in fact. Virtual purchases using Apple Pay

What is Apple Pay?

Apple Pay is a convenient and secure method of payment in stores, in applications and on the Internet using iPhone, Apple Watch, iPad and Mac. Shopping can be paid incredibly quickly. You only need a device that is always at hand. And Apple Pay is a safer and easy way to pay online and applications. You no longer have to register in online stores and fill the long forms.

How to connect the map to Apple Pay?

To configure Apple Pay your device must be equipped with a fingerprint scanner Touch ID. Also on the device must be imprinted to the account.

Note: To configure Apple Pay, you will need to connect to the Internet.

Open Mail Bank online application
Go to the page any visa cards and click on the "Connect Apple Pay" button
Following the instructions, add a map. You do not need to scan a bank card or enter codes from SMS

Open the Wallet application.
Touch the "Plus" icon in the upper right corner.
To add credit or debit cardassociated with your iTunes account, enter the security code for this card. Or select "Add another card" and use the card data from the camera.

Apple Watch.

Open the Watch application on the iPhone.
Touch "Wallet and Apple Pay" and select "Add Credit or Debit Card".
Enter the security code to add a credit or debit card attached to your iTunes account. Or select "Add another map" and scan it using the iPhone camera.

* icloud - Apple Internet service. To enter the iCloud, you must go to the "Settings" application on your device and enter your Apple ID.

What devices I can use with Apple Pay

Apple Pay works with iPhone 6 and newer - in stores, applications, as well as on sites in Safari; With Apple Watch - in stores and in applications (iPhone 6 or newer required); With iPad Pro, iPad (5th generation), iPad Air 2, iPad mini 3 and newer - in applications, as well as on sites in Safari; With Mac (model 2012 or newer) - on sites in Safari with Apple Watch or iPhone with Apple Pay support. The list of devices compatible with Apple Pay is shown on

Apple Pay is a universal non-contact payment system, which was developed by Apple in 2014. The advantage of this development is that it is compatible today with many contactless readers, such as Mastercard Paypass. or Visa PayWave. This mobile payment system is supported by a number of devices from the Kupertinov company, but we will only select the iPhone models on which this system can function.

In smartphones that support mobile transfers money, A special NFC chip is embedded, which allows you to exchange data at a short distance. Such a chip was not installed in earlier flagships, so the problem arises in the use of a mobile transaction system on some devices of an apple company. Consider what iPhones to date contactless payments are maintained:

iPhone 6/6 Plus;
iPhone 6S / 6S Plus;
iPhone 7/7 plus;
iPhone SE.

The disappointment of many users, revolutionary iPhone 5, 5C and 5S do not support Apple Pay. The only one possible solution For the owners of the flagship of the fifth model - it is to use the development of the Cupertin company using the smart watch Apple Watch. To do this, it is enough to synchronize the iPhone 5 with smart clock.

How to connect Apple Pay Sberbank on iPhone

In order to connect the system of contactless payments, you need to install the Wallet application on your phone, having authorized using your personal Apple ID. After successful login, you can add a payment card. By choosing the appropriate function, the user will be asked to photograph its personal bank card. You can refuse this method by entering all data manually.

Next will need to confirm the information entered by entering the code that Sberbank will send to the user number. If the screen appeared on the screen as "the map is activated. Maincard map Standard is ready for Apple Pay, you can start successfully using the system of contactless payments.

Contactless transactions for Sberbank customers

For Sberbank's customers, connecting the function of contactless payments is much easier and faster. All that is required is to start the Wallet application and select the appropriate bank card that will automatically be in the wallet collection.

Holders of synchronized smart clocks immediately after activating the map on the iPhone will receive a notification that will offer to add this map on the device. The program will suggest to come up with a small password, after which the user in the Wallet application will be able to add a map after completing the necessary information. The only thing that needs to be done is to confirm the identity again by entering the SMS from Sberbank.

The iPhone has built-in support not only Sberbank, but also such popular financial institutions as VTB 24 and Alpha Bank. The setting is done in the same way as in the case of Sberbank.

Using the system

Consider what methods there are ways to use an application for mobile payments. After activating the map, you can safely begin to use this system, paying for purchases in supermarkets and stores. To do this, it is enough to bring your iPhone to the terminal without opening the Wallet application. The phone automatically recognizes the payment device and suggest making a fingerprint scanner. After the user comes with his finger to the Touch ID, with bank card Run money for the appropriate purchase.

It is worth remembering that the scope of using the development of an apple company is quite wide. The tool was designed for users in order to facilitate any activity related to transactional payments. Anyone can make purchases in the online store in one click, as well as use various supplement services at a special application store. Now it is enough to pay for any service by touching your finger to the Touch ID.

Mobile transactions - a unique development that can significantly facilitate the life of any person, allowing him to make any purchases and payment in a matter of seconds, without without worrying about security.

About which shortly before the official release was mentioned at the next presentation of Apple cEO Companies. What is Apple Pay?

Apple Pay is a system of contactless payments, which is more secure and convenient way payment of goods and services. The principle of operation of Apple Pay is to read payment information With Apple's mobile devices via NFC technology (NEAR Field Communication) with further authentication of the owner through.

How to configure Apple Pay

Before using the service, you need to run a regular Passbook application and add active mapBy scanning it with the camera. Attach to Apple Pay you can up to 8 different cards, and payment takes place in seconds. The user even needs to launch any application to activate the system. It is enough just to bring your iPhone to a non-contact reader installed in stores, and put a finger on the Home button to recognize the touch ID fingerprint. Vibration or beep will know that the payment operation has passed successful.

Also with the help of a system of contactless payments, you can pay for purchases in applications.

It is necessary to immediately make a reservation that Apple Pay will be supported only on Apple's new devices, such as iPhone 6 and iPhone 6 Plus, iPhone 7, iPhone 7 Plus, iPad Mini 3, iPad Air 2 or Apple Watch and later models.

Despite the fact that from the moment of running, Apple Pay can be used in more than 200,000 outlets, including McDonald "S, the network of pharmacies Walgreen and such large stores like Target and Macy" S, in this Apple has an agreement only with US banks What makes the service inaccessible for residents of Russia. However, with a great desire, the territorial restriction can be circumvented.

uPD. Apple Pay in Russia

The Apple Pay system has earned in Russia. At the moment, only MasterCard from Sberbank is suitable for paying purchases through Apple Pay, but in the near future the situation may change - the list of partner banks will be replenished.

Paying in Russia for their purchases offline via Apple Pay users will be able to users of the following devices:

iPhone 6 and 6 Plus
iPhone 6S and 6S Plus
iPhone 7 and 7 Plus
iPhone SE
Apple Watch.

How to use Apple Pay in Russia

Apple Pay was launched in Russia on October 4. The system is automatically activated on all compatible devices, so that I-device users do not need to independently perform any service setting.

Apple Pay works with all terminals supporting contactless payment methods. This is paypass, paywave and nfc.

In order to pay attention to the finger on the touch ID sensor and bring the iPhone to the terminal. At this time, the system will automatically hold the payment.

In some cases, you may need to enter a PIN card or sign on the iPhone screen. When paying purchases through Apple Pay, the Commission is not charged.

How to add cards to Apple Pay

Recall that at the moment in Russia Apple. Pay works only with MasterCard from Sberbank. To attach the map, follow these steps:

Open the Wallet application on the iPhone.
Tap by «Add payment card».
Take a picture of the card or enter its data manually.

If Apple Pay writes "Your Map Issuer does not yet provide support for this card," this means that your bank or map is not supported by Apple Pay in Russia. Or, perhaps, there is not enough funds.

Video instructions "How to configure Apple Pay" from Sberbank

How to use Apple Pay outside the United States with US Bank Card

As it became recently known, the owners of new mobile devices from Apple found a way to enjoy the service in other states. True, in order to use Apple Pay outside the United States, it is necessary to have a bank card operating in the US.

Although Apple declares that they have an agreement with more than 500 banks, in the present, the factory on the compatibility of maps with Apple Pay, Cuppertinov will not be announced not so large list: American Express, Bank of America, Capital One, Chase, Citi, JP Morgan , Merrill Lynch, US Trust and Wells Fargo. The situation with the support of cards looks like this:

Further, for the work of payment for the purchase, you need to go to "Settings"\u003e "Main"\u003e "Language"\u003e "region" and change it to the United States. After that, run the Passbook application in which the Apple Pay installation appears and continue the setting.

You can pay for purchases using Apple Pay through POS terminals having support for NFC technology. However, take into account the use of the Apple Pay service outside the United States will fly into an extra penny, because banks will require payment of services, taking into account currency conversion. But no matter how it was, it works.

Apple Pay Safety

The safety of the use of a contactless payment system is one of the important issues. According to most professionals, pay for purchases using Apple Pay more secure than with the help of familiar plastic cards. The fingerprint scanning technology eliminates the possibility of using the service by foreign people, and the NFC module transmits all data using the tokens that replaces the existing credit card number to randly generated.

In general, simplicity, convenience and security due to the use of biometric identification and tokens technology make Apple Pay an attractive service in the eyes of users and a serious competitor on the rapidly developing market for digital payment systems.

If you did not find an answer to your question or something did not work out, and in the comment below there is no suitable solution, ask a question through our. It is fast, simple, convenient and does not require registration. Answers to your own and other questions you will find in the section.

Where can I pay Apple Pay?

Wherever contactless payment is supported. These points are indicated by the icon

How safe is the payment of goods and services using Apple Pay?

Payment using Apple Pay is even safer than ordinary plastic card operations, as you confirm each fingerprint or password operation.

How much does the Apple Pay service cost?

Connect Apple Pay for free. Only the Map itself is paid (the usual commissions for the release, maintenance, interest on the loan, etc.) in accordance with the Tariffs of the Bank. No additional fees for token, as well as operations on it are not charged.

What will be with Apple Pay data if you pass the phone to the service?

Can I use covers when paying through Apple Pay?

You can use Apple branded covers. They will not interfere with the payment using Apple Pay. There are no cases of third-party manufacturers of information, depends on cases of covers.

What to do with a token if I lost a map?

Immediately declare a bank about the credit card by any convenient way - through alpha-click, telephone center, alpha check, Alpha dialogue - all tokens released to the lost map will also be blocked.

To leave a token valid, you need to block the card through the alpha mobile, selecting the appropriate function.

What if I lost my phone with tokens in Apple Pay?

In the case of the loss of the smartphone, you need to go to the page http://www.icloud.com or use the program "Find iPhone". The service allows you to completely remove the tokens from the iPhone, even if the device is offline and is not connected to the cellular network or Wi-Fi network.

You can also block the token by contacting the bank. With simultaneous locking of maps will be blocked and tokens in all cases, except for blocking the card through alpha-mobyle. If the card is blocked through alpha mobile, you decide, block the tokens or not.

What will happen to the token during card reissue?

Tocken will be deleted. To the re-card you need to release a new token.

What PIN code is requested when paying for purchases?

When paying for goods and services, the telech ID is requested by Touch ID (fingerprint) or a password for a smartphone. A plastic card ID can be requested by a trading point terminal.

Is it possible to pay using Apple Pay if the smartphone is turned off / completely discharged?

No, It is Immpossible.

Can I use Apple Pay abroad?

Yes, you can pay through Apple Pay in any country, the main thing is that the store terminal supports contactless payment.

Do Apple Pay Access to Bank Account?

No, Apple Pay does not access the card or to bank account Cards. Apple Pay does not know the balance of funds on the map.

Can I add a nonien card?

Yes, you can, with the connection of the map in Apple Pay, to request the name of the name and name, you must enter your surname and name. Token will work with all the restrictions installed for the card itself.

Are there any limitations on the amount of payment?

All in the same way as a token is released.

If a later version of the software is installed on the terminal (in such outlets, such as, for example, Auchan, metro, IKEA), then payment operations over 1000 rubles. Also can be performed without a PIN code.

Which phone number comes a disposable password when released tokens

On the phone number you indicated when contacting the bank.

Will I be charged bonuses on the map (Aeroflot, M-video, Russian Railways, etc.)

Yes, there will be. When paying Apple Pay all the bonuses of the original card are saved - in addition to M-video cards connected to Apple Pay, in M-video stores. This feature of the work of a partner. When paying Apple Pay in other stores, bonuses will be accrued including when paying to a token to the M-video card.
To pay for the purchase with bonus points M-video, you need to present a plastic M-video card or call the phone number that you specified when receiving a plastic card. If you notice that the accrual of bonuses is incorrect or not fulfilled, please contact the bank.

How many times can you misinterpret the password for Apple Pay before the Wallet application is blocked?

In case, for 3 times, the touch ID is incorrectly considered, the application requests the input of the digital password.

5 more incorrect attempts - 1 minute expectation
5 more incorrect attempts - 5 minutes of waiting

I do not come a disposable password for what reason?

SMS comes to the number you indicated when contacting the bank. Also make sure that the phone is connected to the network and try to request a disposable password again.

Will the Card Service Commission be charged if the map is blocked, but I use token?

Yes, with active token to the locked map, the Commission will be written off.

What will happen to the card if I delete a token?

Nothing. The plastic card will work as worked. Tokens can be deleted and re-created at any time. And it's free.

Map design on the screen different from plastic card design

Nothing wrong. This does not affect the ability to pay tokene.

On the map on the screen not visible bonus card number

So it should be. The phone does not save the photo of the card itself, so does not remember and displays a bonus number to the screen. If the bonus program supports Apple Pay, bonus map You can also download to the Wallet application.

I can't download the map in the iPhone / iPad / Apple Watch

The most common reasons:

The device does not support Apple Pay
Map parameters are incorrectly indicated (number, validity period, CVC2 code)
The map is blocked, or invalid, or inactive
There is no operating phone number that you indicated when contacting the bank
Sms code entered incorrectly
Unstable Internet connection
Unstable cellular signal
The number of simultaneously created tokens is exceeded (maximum 8 different in one device, 20 tokens per card in different devices)
Check that
- made an entrance to iCloud;
- version iOS 10 and above
- in the device settings, the region "Russia"

If the above actions did not help contact Apple technical support

I have 2 Apple Watch hours that are connected with one iPhone, how will the map for the clock be added?

The card is added to every clock separately through Watch or Wallet applications.

Can I add a third party card to your device.

January 2019.

The practice of conducting trade transactions using mobile smartphones has gained wide popularity. The pioneer in the field of application of innovative developments is Apple, whose gadgets know and love around the world. In Russia, every year, an increasing number of users give preference to iPhones. As the Apple Pay payment system works, and as far as it is convenient, consider in this publication.

What is Apple Payment System?

For the first time this method payment systems Appeared in the domestic market for the provision of financial services in 2016. For a fairly short time, the programs have become hundreds of thousands of Apple smartphones owners. Now customers of Russian banks supporting this platform do not spend their time to endlessly filling out these plastic cards - they simply bring the phone to the device reading information, and the payment is performed.

This service is rightfully being the pride of its developers - the site is specially invented in such a way as to simplify the procedure for performing transactions. Also to download apple application Pay, it's not necessary to be "God" of computer technologies - even a child can easily cope with this. The fact of payment takes place after the user will bring the phone to the terminal and confirm its actions through a password or a scanner of his own imprint. In addition to the Russian Federation, the app is actively supported by another 9 largest states of the world. With a version, almost all models of smartphone emphones are compatible, which expands the borders of the service coverage.

How to install and configure epple drink?

Connect the EPL pai on its own is not at all difficult, however, how to use technology when making money transactions. Step by step algorithm User actions looks like this:

Find the Wallet application - this version is specifically designed to use online finance.
Open the application.
Find a window to it that allows you to add a new payment card, confirm your action and go to the next step by clicking on the "Next" button.
In case you are binding any card that allows you to purchase goods and services in iTunes, it is enough to simply enter a code combination of numbers into the phone that will secure payments. As a rule, it is a three-digit set of characters.
If another option is selected as a binding, you must bring the map to the gadget screen so that it is placed the front side into the scanning frame, and the device was able to fix it with a built-in camera. The second way is to try to bind the standard manual method - carefully enter it bank number, validity and personal data of the owner (surname and name are filled in Latin).
If everything is done correctly, a pop-up window will appear on the screen, and the program will request security code. It is located on the back of the plastic.
Next, Apple Pay will offer the user to familiarize themselves with the basic conditions and rules for servicing a specific issuer. Carefully read the text and confirm your consent by clicking on the "Accept" field.
The next step is the selection of the Card Registration option in the application. The program will suggest a choice of several ways. For example, SMS mailing. If you stop at such a means of informing, within a few minutes you will be sent to an SMS with a code combination. It must be entered into the mobile - in the corresponding window.
Finishing action - the "Finish" button. Now you can use the system - the map is tied to the phone.

What cards support Apple Pay?

In Apple Pay, you can add the following cards:

Visa;
Mastercart;
Maestro;

At the same time, their owner is now not obliged to constantly carry all the listed types of cards. The presence of a mobile Internet resource will give an opportunity to perform the desired operation to several touch. One of the advantages of the application is the possibility of binding to the program at once all that are included in this list, plastic cards, which is especially convenient in large shopping centerswhere bonus programs and special discounts for specific cards are constantly existing.

Relatively recently on the official website of the company mobile phones The iPhone appeared a message that it is planned to bind to the database of maps of largest centers and trading companies to make purchases in them to enable the client to enjoy internal trading offers and bonus preferences.

What banks does Apple Pay work with?

In 2020, in the Russian Federation almost all major financial companiesWith state accreditation, tied to this payment system, allowing its customers to make purchases more affordable method. Apple Pay is supported by the following banks and payment systems:

Opening
Russian standard
Gazprombank
Promsvyazbank
Sberbank
Euroset Corn
Raiffeisenbank
Tinkoff Bank
Rocket Bank
Yandex money
Megaphone
Alfa Bank
Beeline
Binbank
Bank "Saint-Petersburg

It is worth noting that the above list is incomplete, and the service of contactless commitments financial operations Increases turnover, and in the very near future, more than 10 companies will be ready to install Apple Pay and provide the opportunity to make payments to their customers. With all issuers' banks who support the Epl Payay payment system, can be found on the official website of "Apple".

What iPhones does Apple Pay?

To make acquisitions and receive services using the "Apple", you need to download Apple Pay application to a device that supports this system. The list is presented below.

iPhone X.
iPhone 8.
iPhone 8 Plus
iPhone 7.
iPhone 7 Plus.
iPhone 6S.
iPhone 6s Plus.
iPhone 6.
iPhone 6 Plus.
iPhone SE
iPad Pr.
iPad (5th generation)
iPad Air 2.
ipad mini 4.
ipad mini 3.
Apple Watch Series 3
Apple Watch Series 2
Apple Watch Series 1
Apple Watch (1st generation)
MacBook Pro with Touch ID sensor
Computer Mac model 2012 or later in conjunction with iPhone with Apple Pay or Apple Watch support

How to pay an iPhone in the store?

To have an idea of \u200b\u200bhow to pay Apple Pay in the store, check out the instructions:

it is permissible to pay for purchases only with the help of terminals that supported EPLs - this will confirm the availability of the company's logo and the PAY signature;
wait until the contactless device is ready to complete the operation, then to exchange data, press the button that is a sensor, and bring the phone to the distance of about 2-3 cm to the device;
next, the program will independently select the card you need to perform the card, if the automatic selection function is installed in advance;
hold the phone in this position until you receive a confirmation that the means from the plastic card is removed - the corresponding text "Ready" appears on the terminal screen;
if payment is required for the purchase of another plastic card, registered in Wallet, then it is enough just to bring the gadget to read the device, without clicking on the sensor (a list appears on the screen available mapsThe user in manual mode chooses the one that the purchase wants to pay).

Consider the following pointsIf you are the owner of the 6th iPhone:

internet access to perform transactions is required;
a number of outlets will surely need to additionally enter your PIN code and put a personal signature in the check - the code combination is entered as follows: We enter the Wallet and click on the symbol located near the map you need ("Account number" will appear, enter the map code ).

In addition, if the terminal gives a request for the selection of the chain sample ownership - debit or credit card It will be used, it is preferable to stop your choice in the second option.

Do Apple Pay works without internet?

Those who have long been using iPhones have become accustomed to approval that fully its functionality is capable of disclosing only if there is a quality, sustainable Internet connection. Does the Internet need for Apple Pay? The playground broke this stereotype and became a kind of exception to the rule - to use the payment system, the presence of the Internet is not necessary. The World Wide Web is no longer useful. It is enough just to bring the smartphone to the reader, and the payment will be performed. It is very convenient, since not all regions of the country can boast a global and uninterrupted network. The principle of operation of the application is based on the laws of physics - the rotating frame, in which there is a small current, and a magnetic field emitting the terminal, quite enough for successful operations.

Security of payments

As for the safety of using the application, it is one of the highest among all similar proposals of competing companies. Support for the maps of leading payment systems of the world imposes certain obligations to the service. All card numbers, personal information about the client is not transmitted anywhere, since this information is not saved in any mobile device or on the company's global servers. The principle of operation is based on the creation of a small device recorder data instead of large-scale storage. This accounting together with code combinations is random generation for each type of operations used in the transaction process. If the phone is randomly lost or gets into extraneous hands, besides his owner, no one can gain access, since the device will ask for confirmation of the person. As long as Identification does not go successfully, the system will be blocked.