How to use the samsung pay app. How can I set the card name? It’s just as easy to set up and supports everything.

Just imagine. You stand at the cash register and say that you will pay using your card. The cashier hands you the payment terminal and adds in an apologetic tone that contactless payment(PayPass), unfortunately, does not work. “It will work for me,” you answer and bring... your smartphone to the terminal. Magically, the device that does not accept contactless payments cheerfully confirms that the card transaction has been approved. You take your bread and kefir and disappear through the door, leaving the cashier in bewilderment. In this fictional story, everything is real, except for one thing: there is no magic. And if there is, let's figure out how to tame it.

The main highlight of the payment Samsung systems Pay for smartphones from the same manufacturer is that it can be used even on old terminals that are not “trained” for contactless payments. Samsung has figured out how to “deceive” them. All older payment terminals have a magnetic stripe reader on the right side bank card, and some Samsung smartphones can emulate such a band.

The rest of the scheme is simple: a smartphone with NFC, a special mobile application for Samsung Pay, linking a bank card to it, a high degree of security, eliminating accidental payments and the risk of losing money if you lose your smartphone. Similar payment systems work in a number of countries according to approximately the same scheme. Apple system Pay for gadgets of the same name, however, iPhones do not know how to “pretend” to be the magnetic stripe of a bank card and are more picky when communicating with payment terminals.

How is security ensured?

Already at the moment of installing the mobile application for Samsung Pay, the smartphone is checked for malicious software. If it is detected, you will not be able to use Samsung Pay.

On a completely “healthy” smartphone, no operations via Samsung Pay can be carried out without placing your finger on the fingerprint scanner on the smartphone or without entering secret code.

Moreover, your bank card data will not be stored on your phone at all. The moment it is linked to the payment system, a random code (token) is generated, which can pass itself off as another bank card when paying. Only Samsung Pay and your bank will know that the token and your real bank card are almost the same thing.

Which cards and which banks can be linked to Samsung Pay?

On the day the service was launched in Russia Samsung collaborated with five banks: MTS Bank, VTB-24, Alfa Bank, Raiffeisenbank, Russian Standard. In addition, you can use cards from the Yandex.Money service. By top Samsung Pay was supported only by the MasterCard payment system, but since December 2016, Visa support has appeared in a number of banks, including MTS Bank.

Which smartphones support Samsung Pay?

At the time of launch in Russia, this payment system does not work on all Samsung smartphones, but in the future the number of compatible models will increase. Here is a complete list of gadgets that are ready to replace your bank card:

Samsung Galaxy S7
Samsung Galaxy S7 Edge
Samsung Galaxy S6 Edge+
Samsung Galaxy Note 5
Samsung Galaxy A7 (2016 version)
Samsung Galaxy A5 (2016 version)

Can I pay using Samsung? Pay purchases on the Internet?

No. This payment system only allows the use of payment terminals.

How to start using Samsung Pay?

Firstly, owners of the above listed models need to wait special update systemic software- it will happen in November 2016. We at MTS/Media couldn’t wait that long and persuaded one smartphone to update in September. Now, having gained practical experience, we offer you short instructions.

You can update the software on your smartphone right now, and then home screen The Samsung Pay app icon will appear. Click on it. A page will open that will invite you to become a participant in the launch of the service, one of the first to try to use it in Russia. By clicking on the I want to try button, you will see a window in which you will need to enter unique code IMEI of your phone. This code can be found by dialing the command *#06# in dialing mode and pressing the call button. After entering the IMEI, a special installation file. Go back to the Samsung Pay app and tap Install.

After updating the software, a shortcut appears on your smartphone to launch the Samsung Pay application. You need to launch it and register. At this very moment in mandatory You will need to set a secret code to unlock your smartphone or register a fingerprint for this.

Now you need to click on the image of the bank card to link your own card to the payment system. In the future, there can be up to twelve of them, and you can choose any one for payment. Here we will limit ourselves to one, using the example of an MTS Bank card.

There are two ways to enter your card details: take a photo of it or enter its details manually. We cannot show screenshots: for security reasons, the creation of screenshots is blocked for such operations.

Accepting an agreement with Samsung and the bank is the next mandatory step.

After this, your bank will want to receive confirmation of registration in the service. Press the SMS button to receive a message with a code to mobile number, linked to your bank card.

The received code must be entered in the application.

Literally finishing touch: We leave your signature on the screen, which you, at the cashier’s request, can demonstrate on the smartphone screen. Write with your finger or the stylus that came with your smartphone.

How to pay using Samsung Pay?

Open the Samsung Pay application, select any of the linked cards. To activate the payment mode, you need to place your finger on the scanner or enter a secret code.

After displaying on the screen standard icon For contactless payment, you can pay by holding the back surface of your smartphone to the terminal. The smartphone will tell you with a picture exactly how to hold the smartphone, but we will also write it down. If the terminal does not support contactless payment, place the gadget on the right, where the slot for reading the magnetic stripe of a bank card is located.

If the purchase amount is more than a thousand rubles, the terminal may request a PIN code - enter the PIN of your real bank card, not the code from your smartphone. In very rare cases, terminals request the last four digits of a bank card - they are displayed in the mobile application.

If you wish, you can enable the Simple pay function in your smartphone settings, which allows you to call up the payment window from the desktop of your gadget and even when the screen is locked.

What else can I recommend? Be sure to watch the cashier's reaction. She (if it is she) will probably say: “This is the first time this has happened to you...”.

Where can I pay with Samsung Pay?

WITH using Samsung Pay can be used to pay for purchases at any terminals that accept bank cards. The secret is that in addition to NFC (Near Field Communication) technology, Samsung Pay supports its own technology - MST ( Magnetic Secure Transmission - “magnetic secure transmission”) and allows you to pay for purchases using Samsung devices not only on NFC payment devices, but also on payment terminals that accept bank cards only using a contact chip and magnetic stripe. Samsung Pay is also available to pay for purchases in online stores.

Why is Samsung Pay safe?

Samsung Pay uses three levels of security:

1. Tokenization

The essence of tokenization is to replace real client data (such as card number) with virtual ones.
When you activate a card for Samsung Pay on your smartphone, the real card number is replaced with a special one digital code- a token created randomly.
Binding data real number Only the bank and payment system have your card to token, and they are reliably protected.
As a result, your personal information is not used during payment and remains secure.

2. Samsung KNOX

Samsung KNOX- built-in security system that protects the device from attempts malicious attacks and continuously monitors possible vulnerabilities on the device. Even if your device is at risk, Samsung KNOX ensures the security of your Samsung Pay data regardless of the operating system.
Before adding a card to Samsung Pay system Samsung security KNOX checks the device firmware. If Root is detected on it, viruses or the firmware is modified, you will not be able to add the card to Samsung Pay.
After adding the card, Samsung KNOX continues to check the status of the device. If a virus gets into your device, Samsung Pay is blocked on it, and you can't use Samsung Pay on that device.
If Root is detected, Samsung Pay on the device is completely blocked. It is impossible to use Samsung Pay on such a device, even if you restore the original manufacturer settings.

When paying with Samsung Pay, fingerprint or PIN code authorization is required for each purchase. If you lose your device, scammers will not be able to make a payment without your fingerprint or PIN code, which is known only to you.

Which MTS Bank bank cards can be added to Samsung Pay?

MTS Credit Online
MTS Money Weekend
MTS Money Zero
MTS Money Deposit
MTS SMART Money
MasterCard Standard/Gold/Platinum/ Black Edition
VISA Classic/Gold/Platinum/Infinite
Student card
Fuel card.

All questions and answers

Which devices support Samsung Pay?

Galaxy S9 (SM-G960F)
Galaxy S9+ (SM-G965F)
Galaxy S8 (SM-G950F)
Galaxy S8+ (SM-G955F)
Galaxy S7 edge (SM-G935F)
Galaxy S7 (SM-G930F)
Galaxy S6 Edge+ (SM-G928F)
Galaxy S6 (SM-920F) - NFC only
Galaxy S6 Edge (SM-G925) - NFC only
Galaxy Note9 (SM-N960F)
Galaxy Note8 (SM-N950F)
Galaxy Note5 (SM-N920C)
Galaxy A9 2018 (SM-A920F) - NFC only
Galaxy A7 2018 (SM-A750F) - NFC only
Galaxy A8 (SM-A530F)
Galaxy A8+ (SM-A730F)
Galaxy A6 (SM-A600F) - NFC only
Galaxy A6+ (SM-A605F) - NFC only
Galaxy A7 2017 (SM-A720F)
Galaxy A5 2017 (SM-A520F)
Galaxy A3 2017 (SM-A320F)
Galaxy A7 2016 (SM-A710F)
Galaxy A5 2016 (SM-A510F)
Galaxy J6+ (SM-J610FN) - NFC only
Galaxy J4+ (SM-J415F) - NFC only
Galaxy J7 2017 (SM-J730F)
Galaxy J5 2017 (SM-J530F)
Gear S3 classic (SM-R770) |frontier (SM-R760)*
Gear Sport (SM-R600)* – NFC only
Galaxy Watch (SM-R800N, SM-R810N)* – NFC only

How to download the Samsung Pay app on your smartphone?

Update the software on your smartphone.
Once the software on your smartphone is updated, the Samsung Pay icon will appear in the application menu.
Sign in to Samsung Pay using your account Samsung Account, and add an MTS Bank bank card

How to add an MTS card to Samsung Pay?

On a Samsung Galaxy smartphone

1. Open the Samsung Pay application, enter your valid account Samsung entry Account (e-mail) and set up a convenient authorization method for you: by fingerprint or PIN code.

2. Scan the card using your smartphone camera or enter its details manually. Accept the MTS Bank Terms of Service.

3. Click on the SMS button to complete cardholder identification. Enter the code received via SMS and click “Submit”.

4. Enter your signature* using your finger or stylus. Map added!

You can add a maximum of 10 bank cards to one device.

*A signature may be required if the store cashier wants to compare the signature on the receipt.

On a Samsung Gear device

1. Connect Gear device to a compatible smartphone using the Samsung Gear mobile app.

2. In the Samsung Gear app, tap Open Samsung Pay, sign in to your Samsung Account, and tap Add Card.

3. Set up a PIN screen lock on your Gear.

4. Open Samsung Pay on the Gear by holding the Back key.

5. On your smartphone in the Samsung Gear application, scan your bank card or enter its details manually and accept the Bank’s Terms of Service.

6. Click on the SMS button to identify the Bank card holder using a one-time code via SMS. Map added!

How to pay for a purchase via Samsung Pay using MTS Bank cards and a Samsung Galaxy smartphone?

Open the Samsung Pay app by swiping up from the bottom of the screen. It doesn't matter whether your screen is locked or active.
Select the card you want to pay with if you have multiple bank cards loaded in the Samsung Pay app
Log in using your fingerprint or iris scanner, or your app PIN.
Hold your Samsung device close to the terminal screen if the terminal displays a contactless payment sign. Otherwise, bring the device near the magnetic stripe reader.
If the purchase amount is more than 1000 rubles, you may need to enter the PIN code of your bank card at the payment terminal. In some cases, you may need to enter the last four digits of your card. The numbers are visible on the screen of your smartphone with the mark “Last 4 digits for the cashier”
The payment process is complete! Pick up the check as if you paid with a regular bank card.

How many cards can I add to Samsung Pay?

You can add no more than 10 bank cards.

How to pay for a purchase via Samsung Pay using MTS cards and Gear S3?

Connect your Gear S3 using the Samsung Gear app
Press and hold the BACK key
Select a bank card by turning the bezel.
Click on the “PAY” button on the Gear S3 screen
Bring the Gear S3 to the payment terminal

How to return money for a purchase?

Refunds for purchases are processed in the same way as refunds for purchases paid with a card. If the cashier needs a card to process a return, follow the same steps as when paying for a purchase: open Samsung Pay, select the card that was used to pay for the purchase, and touch your smartphone or Gear to the terminal.

Do you need internet for using Samsung Pay?

An Internet connection is only required to add a map. When paying for purchases, an Internet connection is not required.

What to do if your smartphone is lost or stolen?

No one can make a payment from your smartphone, since each payment requires authorization using a fingerprint or iris scanner, or an application PIN code. To block the Samsung Pay service or delete data from the device, use the service Samsung Find My Mobile (

Samsung Pay comes out innovative technology payment. Samsung Pay Sberbank allows you to pay for purchases using terminals without using a plastic card.

How to connect Samsung Pay

Installation and connection of this service should be preceded by introductory information that will allow one to evaluate the functional benefits of using this method payment. We invite you to familiarize yourself with the main parameters of the service below.

Features of payment technology

Samsung Pay in Sberbank is equipped with two types of technologies, through which it allows you to carry out certain payment transactions:

NFC (near field) is a generally accepted contactless data transmission system;
MST (magnetic transmission) is Samsung's own development, which provides the ability to create magnetic field, plastic similar to magnetic tape.

Thanks to this, you can pay with a smartphone instead of a card on any payment device, regardless of whether it supports contactless capabilities. Only some legacy models may resist the transaction.

Samsung Pay is supported by Samsung Galaxy S6, 7 smartphones, incl. edge, A3, 5, 7, Note5. For Samsung Galaxy S6 and edge phones, payments can only be made on devices that support the contactless system.

Which Sberbank cards support payment?

Considering which Sberbank cards support Samsung Pay, it is worth noting that Maestro and Visa are not one of them. For the latter, opportunities are being developed to introduce Samsung Pay. According to the latest according to Samsung Pay received support from Visa in Russia late last year. Therefore, in the near future we can hope that Sberbank cards of this payment system will be connected to Samsung Pay.

Sberbank Maestro cards are among the simplest products. In this regard, Maestro products are quite widespread among customers. As time goes on, Samsung Pay will become widespread and in demand, and therefore all payment systems, including Maestro, will support it.

Today, almost all MasterCard products support Samsung Pay:

Youth;
Classic;
Gold;
Platinum;
Special: World, World Black Edition, Elite.

Youth, standard or gold credit cards are also available for this use.

Instructions for setting up the service

To connect Samsung Pay to mobile device and gain the right to pay for purchases without presenting a card, you must follow the instructions:

Go to the Samsung Pay app.
Select an authorization method: code or fingerprint.
Click on the plus sign to add a Sberbank card.
Provide information about it: number, code, etc.
Read the agreement between Sberbank and Samsung on the provision of the service. Check the box to agree with them.
Click on the SMS button.
Get a confirmation key.
Enter it in the appropriate column.
Indicate your signature (fingerprint or stylus).
Map added.

After you manage to connect Samsung Pay to Sberbank, a message will appear indicating that your account was successfully added.

How to pay with Samsung Pay

By connecting your products, you can skip carrying plastic and use Samsung Pay to pay. You can perform the operation like this:

Enable Samsung Pay. To do this, you need to swipe up from the bottom of the screen. You can also launch it through the icon located on the screen.
A list of cards that the user has connected will appear. Having chosen one of them, you need to go through identification using a code or your fingerprint.
When the cashier asks you to make a payment, bring your smartphone to the machine.
At the request of the cashier, you may need to enter a PIN code on the terminal keypad.
Upon completion of the transaction, receive a notification about the debiting of funds from your account to your phone and a receipt from the cashier.

To use Samsung Pay you do not need an internet connection. The service is provided completely free of charge and does not imply the charging of commissions, etc.

When paying, customer card data is not transferred anywhere. This uses an encrypted token tool.

Conclusion

Samsung Pay is not supported by Sberbank Maestro and Visa. Today it is only available for MasterCard and is supported by Samsung smartphones certain models. Using Samsung Pay, the client can make payments almost everywhere (if there is a terminal) and not worry about the safety of their funds.

Contactless payment technologies based on NFC radio signals or magnetic fields have been working for several years. Another method of paying for goods is offered by Samsung Electronics together with Sberbank. The article highlights the most frequently asked questions and answers about the Samsung Pay service in Sberbank.

How does Samsung Pay work?

Which Sberbank cards can be connected to Samsung Pay?

Samsung Pay supports the following debit and credit cards Sberbank:

Debit:

World MasterCard Elite Sberbank 1,

MasterCard World Black Edition Premier,

World MasterCard “Gold”,

MasterCard Platinum,

MasterCard Gold,

MasterCard Standard,

MasterCard Standard Contactless,

MasterCard Standard with individual design,

Youth MasterCard Standard

MasterCard Standard youth card with individual design.

Credit:

MasterCard Gold,

MasterCard Standard,

Youth card MasterCard Standard.

Video: How Samsung Pay works and why it is convenient:

How to connect to the Samsung Pay service?

Each owner compatible Galaxy smartphone can simply open the Samsung Pay application and enter your Samsung account information to gain access to all functions of the Samsung Pay service in Russia.

Where can I use Samsung?

You can pay for purchases through any payment terminals.

Do I need an internet connection to pay with Samsung Pay?

No, you do not need to connect to the Internet to pay for purchases in stores with Samsung Pay. Your device interacts with the terminal using contactless NFC technologies and MST.

Which Samsung Galaxy phones work with Samsung Pay?

Samsung Pay is available in Russia to users of the following Samsung Galaxy smartphone models:

Samsung Galaxy S7 (SM-G930F)

Samsung Galaxy S7 edge (SM-G935F)

Samsung Galaxy S6 edge+ (SM-G928F)

Samsung Galaxy Note5 (SM-N920C)

Samsung Galaxy A7 2016 (SM-A710F)

Samsung Galaxy A5 2016 (SM-A510F)

Samsung Galaxy S6 edge (G920F) - NFC only, see note below in the text.

Samsung Galaxy S6 (G925F) - NFC only, see note below in the text.

Samsung Galaxy A7 2017 (SM-A720F)

Samsung Galaxy A5 2017 (SM-A520F)

Samsung Galaxy A3 2017 (SM-A320F)

Since the Samsung Galaxy S6 smartphone model is not equipped with Samsung technology MST, then payment for goods and services using the Galaxy S6 and S6 edge through the Samsung Pay service is available only at contactless payment terminals.

Smartphones Samsung Galaxy S7 and S7 edge, Galaxy S6 edge+, Galaxy Note5 and smartphones Samsung average price segment Galaxy A5 (2016) / A7 (2016) support contactless payment and are compatible with chip or magnetic stripe payment terminals.

How much does it cost to use Samsung Pay?

Sberbank clients do not pay a commission for payments through the service - it is absolutely free.

How convenient is the Samsung Pay service for a Sberbank client?

Now you don’t have to worry that you left your wallet at home, or that your bank card might be stolen. To make a payment, you need the fingerprint of the smartphone owner and nothing more!

How is Samsung Pay device secure?

No data is stored on your smartphone; only a so-called token is stored there - a special key or payment system. Even intercepting this token prevents fraudsters from obtaining any information about the card.

Benefits of Samsung Pay

Head of Samsung Mobile in Russia Arkady Graf:

"We are confident that Sberbank clients can appreciate the benefits payment service Samsung Pay is simple, secure and versatile."

There are more than one and a half million payment terminals in Russia, but only 20,000 support the NFC service. that is, they all work with standard magnetic plastic cards.

Samsung Pay supports both types payment terminals thanks to MST technologies. This means that you can pay anywhere except at machines with old version BY.

Samsung Pay allows you to pay for purchases using magnetic secure transfer, so Samsung Pay works on any terminal.

Samsung Pay is safe: During payment, a token is used instead of a card number - your data is securely encrypted
Samsung Pay is accepted everywhere: it can be used to pay in any place where bank cards are accepted

Instructions for working with Samsung Pay

Open the Samsung Pay application, press the start button, select the identification method: fingerprint or digital pincode.
Add your card details, accept the agreement with Sberbank policy and Samsung rules. Well, click SMS to confirm your registration in the system.
Enter the received code in the Special field and add your signature. With a stylus or finger.
You can add the map to your favorites. There is a limit of 10 bank cards on one smartphone.

How to pay for a purchase in a store using Samsung Pay?

Launch the Samsung Pay app using any of the following methods:

moving from bottom to top on the locked screen,

moving from bottom to top on an inactive screen,

moving from bottom to top on the home screen,

or click on Samsung icon Pay on the screen.

On the screen of your Samsung smartphone you will see your cards connected to Samsung service Pay. Select the card you will use to pay. Log in using your fingerprint by placing your finger on the scanner, or enter your application password (PIN).
Bring it up samsung smartphone to the payment terminal. If the cashier asks you to enter a PIN code, enter the PIN code of your plastic bank card, and if the cashier asks you to sign, put your signature.
You will receive a receipt as if you paid with a regular card. And to your number phone will come SMS notification about a completed transaction.

Attention! Keep your password secret and don't let anyone, even your family members, register your fingerprints with your Samsung Pay device.

Modern technologies do not stand still. They develop so quickly that many people simply do not have time to understand them. Just recently, paying for goods online was a new thing. And how it works was understood only by a limited percentage of people.

Now technology is developing even more rapidly. The turn has come mobile phones. Literally every month new models appear on the market, equipped with dozens of useful functions. One of them is paying for purchases by phone. How is this possible? How to pay by phone in a store? What do you need to know and have for this? Let's figure it out.

Can I pay using my phone?

One of the recent innovations that our citizens became acquainted with is a contactless payment system. Here we are talking about such types of cards as Visa PayWave and MasterCard PayPass. A huge number of people have already appreciated the simplicity and convenience of this technology. In order to pay for your purchase, you just need to bring the “plastic” to a special POS terminal. There is no need to enter a PIN code or perform any other actions. Everything happens automatically. This incredibly speeds up payment.

The same process was taken as a basis when developing using a mobile phone. The technology is called Near Field Communication (NFC for short). The owner of the smartphone generates a special payment card that has a contactless payment function. For this purpose, a special mobile application is used, different for each system.

Popular contactless payment programs

As already mentioned, in order to turn a smartphone into a wallet, you need special program. You can pay by phone if you have one of the following applications installed:

Samsung Pay;
Apple Pay;
Android Pay.

Which program to install depends on which operating system your smartphone is working. For Apple phones, only Apple Pay is suitable, Android smartphones will only respond to Android Pay, and the remaining program is only suitable for smartphones of the corresponding type. trademark.

Below we will look in detail at how to pay in a store by phone using one or another system.

Apple Pay

This contactless payment technology has been built into Apple brand devices. The gist of it is that you no longer need to carry around countless different plastic cards. You can simply “link” all plastic media to your smartphone and make purchases conveniently.

This is not difficult to do, and the service is really simple and easy to use.

Initial settings

To get started using Apple Pay, you will have to take several preparatory steps. First, you need to open a card account in one of the branches of the following financial institutions:

Alfa-Bank.
"VTB 24".
"RocketBank".
Bank "St. Petersburg".
Tinkoff.
Otkritie Bank.
"Gazprombank".
"Russian Standard".
"Yandex.Money".
Sberbank.
"MDM-Binbank".
Raiffeisenbank.

The list is constantly being updated and it is likely that several dozen more banks will soon be added to it.

And, of course, you need to make sure that your iPhone can handle installed application. The technology is supported by the following models:

iPhone SE, 6, 7, 6s and 6 Plus and 7 Plus;
Macbook Pro 2016;
iPad latest versions;
and II generations.

If your phone is more old model, contactless payments will have to wait a little.

In addition, for Apple installations Pay and it normal functioning you will need Apple ID ID and updated to latest version"OS".

To make non-contact payments, you can add as many as 8 payment cards to your Apple phone.

Application algorithm

Here's a little instruction for those who don't know how to turn their phone into a bank card:

Open Wallet and click on active link“Add a payment card.”
Enter Apple code ID.
Enter the payment card details in the fields provided: holder’s name, expiration date, number. Please provide a brief description.
If you don’t want to mess around, you can simply take a photo of the card carrier. In this case, some fields will be filled in automatically.
After this you need to wait a little. The bank that issued the card will determine its authenticity, identify it and decide whether it can be connected to the IPhone.
When the verification is completed, click the “Next” button and wait a little more.
Ready. Now you can use your smartphone to pay for purchases.

How to pay with your phone in a store? Very simple. To do this, just bring your smartphone to a special payment terminal. In this case, you need to hold Touch ID with your finger. For those who don't know, this is a large key at the bottom of the case. Hold your smartphone near the terminal for a moment and wait sound signal. He will notify you that the operation is completed and successful.

Android Pay

How to pay using a phone running on the Android system? There is nothing complicated here either. Download special application possible from the GooglePlay service. But it will work stably only if the following conditions are met:

presence of the Android system version 4.4 or higher;
pre-installed NFC module;
lack of open unlimited access to smartphone systems (root access).

There are several other conditions under which you cannot use the Android Pay system:

The OS bootloader is not unlocked on the smartphone;
a version of the OS for developers is preinstalled or Samsung MyKnox is available;
The smartphone is fake and has not been approved by Google.

Before you pay with your phone in a store or salon, you must correctly install and launch the appropriate application. You can do it like this:

download and install the service;
open the program and find your account;
click the “+” icon in the bottom right corner;
select “Add a card” and fill in all the required fields;
confirm the data by entering a special password from SMS.

Ready. The card is “linked”. Before you commit contactless payment, you need to make sure that the terminal supports this technology. Most often, this is indicated by special stickers in the form of radio waves (contactless payment) or Android logo Pay.

In this case, paying for your purchases by phone is also easy. To do this, just take the device out of inactive mode and bring it rear panel to the appropriate location on the terminal. Put the program into action Android Pay"It's not necessary at all. It activates itself.

Now you need to wait 2-3 seconds and make sure that the payment is completed. Next steps will depend on which card is “linked” to the smartphone. If you pay with a credit card that exceeds the limit, you will need to additionally sign the receipt. If you use debit plastic, you will have to enter a PIN code.

Samsung Pay

This system is not yet as popular as its predecessors. However, the number of users is growing rapidly. This is partly facilitated by the fact that with the help of “ Samsung Pay» You can pay not only using the contactless payment system, but also where a magnetic stripe is installed in the terminal. This is possible thanks to a specially developed Magnetic Secure Transmission (MST) system.

The fact is that smartphones that support this special technology can create a special magnetic field.

The list of financial institutions that support this technology is not yet very large, but is constantly expanding.

To use the application, your smartphone must support NFC and have an operating system of at least Android 4.4.4.

The process of launching the application and linking the card is almost identical to those described above:

download the application and activate your account using e-mail;
determine the authorization path using a PIN code or fingerprint;
click the “+” symbol or the “Add” link;
enter your plastic card details or scan it;
read the terms of service, check the required box and click “Accept all”;
confirm your actions using the password from SMS;
use a stylus or just your finger to sign your signature on the smartphone screen;
Click "Done".

In this way, you can “link” no more than 10 cards to your smartphone. It all works very simply:

launch Samsung Pay;
select a card;
log in using a PIN code or fingerprint;
bring your phone to the POS terminal and wait a couple of seconds.

Pros and cons of payments via phone

Despite the popularity of the technology, it still has more disadvantages than advantages.

Firstly, there are places where you can pay by phone, at at the moment not so much. This is especially true for small cities or towns. After all, in order to make such a payment, you need an appropriate terminal. But it is not installed everywhere.
Secondly, many cashiers are simply afraid of doing something wrong and come up with various excuses to refuse this payment method.
And finally, in order to pay in this way, you must have a fairly expensive and “sophisticated” phone. And, unfortunately, not everyone has it.

However, there are also advantages to paying by phone. First of all, it is stylish, fashionable and still attracts attention. In addition, it is also incredibly convenient. After all, you don’t have to carry a whole bunch of plastic cards with you and remember the PIN codes for each of them. It is enough to enter all the data into the program once, and in the future it will do everything for you.

Conclusion

Now you know how to pay with your phone at the checkout, and if necessary, you can do it. Technologies are developing so quickly that the day is not far off when such a phenomenon will no longer be surprising, and payments using the phone will become available everywhere.