• Everything you wanted to know about Apple Pay. How to connect and pay with Apple Pay: the future has arrived

    Modern technologies make money transfers safer and more practical. Apple was able to prove this by offering completely new product and an application for working with bank cards. At the same time, the service received large number opportunities and advantages compared to similar solutions in the banking sector.

    Usage Apple Pay in Russia, allows its users to not worry about leaving the card at home during any of their selected purchases, because having a smartphone allows them to make similar payments by linking it to a modern gadget.

    Which iPhones work with Apple Pay? How to install and pay using this application? We'll talk about this in our article.

    Setting up Apple Pay

    When making payments using a familiar bank and payment card, be it a chip card or a card with a magnetic stripe, there is a need to always bring it to the reader and have it in memory. At the same time, a lost or abandoned wallet will not allow you to pay by card. This was the case until recently, when Apple offered its users a completely new product that allows you to pay for purchases using modern models smartphones that provide the necessary capabilities and criteria for payment and purchase of desired goods.

    How to install Apple Pay? It will be important observe several points, namely:

    • required compatible device from the manufacturer;
    • must be available to the owner of the gadget credit card the issuing bank that participates in the program to connect this application in Russia;
    • the device used must have installed version iOS OS, watchOS OS or macOS OS, with all additions and updates;
    • the device must be available Apple ID ID.

    But first you will need connect and configure this application on your gadget. This can be accomplished by considering the following sequence, namely:

    • The user goes to the Wallet program, then selects “Add payment card»;
    • Actions are taken to attach a new payment card to the device, entering the card number and expiration date. If the card is already used in iTunes, it can simply be included in this application. To do this, enter a security code;
    • The next step will be to confirm the entered data, when the card issuing bank will complete the procedure, check all the information you provided and allow the card to be used in Apple Pay.
    • After all the above, the card can be added to the application by simply clicking the “next” button. After which you can fully use Apple Pay.

    Ease of use modern technology does not require serious programming knowledge or special translation skills cash. The application allows you to fully replace your existing bank cards, making any purchases, both in a physical store and through the virtual space on the Internet.

    How to pay with Apple Pay? When using a smartphone, you will only need to complete the following procedures to pay for a purchase made in the selected store:

    • touch your finger to Touch ID;
    • bring it up iPhone gadget to the selected terminal.
    • when using Apple Watch, press the side button on the device twice and bring the device close to the terminal.

    You can make all payments in the store via Apple Pay from your iPhone and Apple Watch, and the transaction is confirmed in a matter of seconds. This decision will allow you to combine a large number of cards you have, allowing you to make payments at any time of the day. A constant technical support this application will help you not to lose extra time to wait for a response on completed payments and purchases.

    Which banks in Russia work with Apple Pay

    On at the moment Since then, the use of developments from Apple has become widespread. And we can single out individual banks that are ready to offer to use their holders’ payment and salary cards for free to use this modern technology. These banks include:

    • "Alfa Bank"
    • "VTB24",
    • "MDM"
    • "MTS Bank"
    • "Opening",
    • "Raiffeisen"
    • Bank "St. Petersburg",
    • "Sberbank", while the system works exclusively with MasterCard cards,
    • Tinkoff.

    Owners of Yandex Money cards can also make payments using Apple Pay. This makes shopping easier and more secure. With all this diversity, it can be noted that this application allows you not to resort to constant monitoring of expenses, because only the owner of the smartphone can confirm the payment using a fingerprint.

    Which phones support Apple Pay

    In order for the application to connect remittance, you must use separate smartphone options.

    Which iPhones support Apple Pay:

    • iPhone 6/6 Plus.
    • iPhone 6s/6s Plus.
    • iPhone SE.
    • iPhone 7/7 Plus.

    Here you can also note such features that will allow you to use the 5th version of the smartphone, but only with smart watch from Apple. By applying latest versions hours, namely:

    • Apple Watch (1st generation).
    • Apple Watch Series 1.
    • Apple Watch Series 2,

    you will be able to make payments without you having bank card and receive the necessary goods when you go to the selected shopping center or store.

    This kind of technology simplifies a person’s life, making him more mobile and ready to practically immerse himself in the proposed environment, creating for himself the required conditions and criteria for paying for services or selected purchases. At the same time existing system security allows you to limit the amount of payments or notify you about unusual transfers from your card that go beyond the usual cash traffic.

    You can verify this by contacting a bank that is a partner in this new product from Apple. The support service will answer any questions related to the transfer of funds, similar to if you were using a regular bank card.

    Watch a video about using Apple Pay in Russia:

    Apple developed a proprietary contactless payment system in 2014, called Apple Pay. Its main feature is that the technology supports a number of modern readers - for example, Visa PayWave and MasterCard PayPass. Despite the fact that almost everyone modern smartphone from the company supports the contactless payment function, many users often wonder whether they will be able to pay at various establishments without a card. In this article we will tell you which iPhones Apple Pay works on and how to use the system.

    What devices can you use the technology on?

    To make payments in a contactless way you need to make sure in advance that the technical filling contains NFC chip. It is specially designed to support the exchange of information on a short distance. It is noteworthy that the chip was not installed in flagships of early model years. Accordingly, problems arise in the use of money transfer systems through mobile devices on a number of Apple devices.

    Arises logical question: Which iPhones support Apple Pay? The previously mentioned chip began to be installed in sixth-generation smartphones. This includes:

    • iPhone 6;
    • iPhone 6+.

    This generation became a kind of starting point, after which the use of this technology became possible in later models. It became possible to use the contactless payment option in the seventh and eighth generations. You can also pay for purchases using the iPhone X, the tenth anniversary smartphone model. Apple Pay supported iPhone smartphones SE.

    Many people are wondering whether it is possible to use this option on the iPhone 5 and iPhone 5s smartphones? On the one side, Apple system Pay is already available. But due to the lack NFC module Unfortunately, it won’t be possible to pay contactlessly. A logical thought - then why did the developer add this application to a smartphone that does not support contactless payments? It's simple - the phone can still be used for cashless purchases, but only if it is synchronized with the Apple Watch.

    The algorithm is as follows: you need to touch the watch to the terminal, as a result of which it will instantly transmit a signal to the smartphone. After confirmation of the payment, the data is sent again to the watch, which confirms the purchase to the terminal.

    Using Apple Pay for Sberbank cards

    To connect the contactless payment system, the user first needs to install the Wallet program. Having opened it, authorization is carried out using your own Apple ID. Once the login is completed, the device owner will be able to add a new payment card. After selecting the appropriate function, the user will have to take a photo of his bank card. As alternative option manual entry of all data is considered.

    On next stage The entered information is confirmed using a code sent by Sberbank to the card owner’s number. You can verify the possibility of making payments through a contactless system by receiving a message about successful card activation.

    Connecting a card to Sberbank Online

    Almost the same scheme for adding a card is provided for branded applications developed by other banks. To clarify additional information regarding the features of activating the option, it is recommended to go to the official website of the banking institution or read the instructions in the application store.

    Usage

    Once you understand which devices support Apple Pay, you can start making payments. Using the system is extremely simple. All that is necessary is to place the phone as close as possible to the payment terminal. You don't need to open Wallet. The device will automatically scan the terminal and request confirmation of the operation using a fingerprint. After authorization via Touch ID, the operation will be completed - the money will be debited from bank account, and in response the cashier will hand over a paper check. Using Apple Pay is as convenient as possible!

    Apple Pay payment system. The first and so far only bank to support Apple Pay was Sberbank. Russia has become the 10th country in which the system is available.

    The editors of the site tested the system and figured out how Apple Pay works, how to link a card to it, in which establishments and how you can pay, and also provides a list Russian applications, supporting Apple payment service.

    What is Apple Pay for?

    The Apple Pay payment system, according to engineers, should replace plastic bank cards. It allows you to use iPhone smartphones and Apple Watch smart watches to pay for purchases in stores, cafes and other establishments.

    When making payments, money is withdrawn immediately from the linked bank card. The company does not charge a fee for using Apple Pay.

    According to service statistics, about a million new users join Apple Pay every week. At the same time, in the United States, more than 90% of all contactless payments are made with using Apple Pay.

    Which bank card do you need to have to pay with Apple Pay?

    The first Russian partner bank for Apple Pay was Sberbank together with Mastercard. Therefore, now only owners of Mastercard credit and debit cards issued by Sberbank can use the payment system.

    Apple Vice President of Apple Pay Jennifer Bailey promised that the list of banks that support Apple Pay will be expanded in the near future. Vedomosti previously reported that Raiffeisenbank, Tinkoff Bank, B&N Bank, Otkritie, VTB 24 and Yandex.Money could also become partners in the future.

    According to a source on a financial market website, the list of new Apple partners will be announced in November 2016. The founder of Tinkoff Bank, Oleg Tinkov, also spoke about this on his Instagram.

    Which establishments can you pay with Apple Pay?

    You can pay with Apple Pay in stores with iPhone SE, iPhone 6 and later models, and Apple Watch.

    Apple's website notes that the payment system works "everywhere contactless payments are accepted." We are talking about terminals in shops, cafes and restaurants that display one of the icons contactless payment:


    Among the Russian retailers where you can definitely find similar terminals are Azbuka Vkusa, Auchan, Atak, M.Video, Eldorado, Magnit, Mediamarkt, TSUM, BP, re:Store. The list, according to the Apple website, will be constantly updated. Representatives of the Dixie and Victoria chains, as well as Starbucks coffee shops, also informed the website about support for Apple Pay.


    Through the OneTwoTrip iOS application, you can pay for plane tickets via Apple Pay; purchasing train tickets and booking a hotel room will appear later.


    Ticketland users can buy tickets to the theater, concert, show, or circus using Apple Pay.


    You can pay for discount coupons through the Biglion app.


    Apple Pay support is also implemented in the Gett application - users can not link a card in the service, but simply add payment via payment system Apple.


    How to link a card to Apple Pay

    Linking a bank card to Apple Pay occurs in the Wallet application. The app can automatically link the card that is used for iTunes purchases. Or you can scan the card using your camera and add it to Wallet. If the bank supports Apple Pay, the card will be linked automatically.


    Sberbank cardholders can also link a card through the Sberbank Online application. To do this, you need to select “Connect to Apple Pay” in the list of cards - the card will automatically be linked to Wallet.

    How to pay with Apple Pay

    In order to make a payment at the checkout when iPhone help, on a locked phone, you need to press the “Home” button twice - the NFC chip of the smartphone is activated, and the image of the bank card and its last four digits will be displayed on the screen.

    The bank may limit the maximum amount when paying through Apple Pay and additionally request a PIN code.

    In order to pay using Apple Watch, you need to double-click the side button of the watch and bring it closer to the terminal.


    To make a purchase in the application or on the website with Apple support Pay, you need to put your finger to Touch sensor ID to confirm payment.

    How secure are payments via Apple Pay?

    Apple says card numbers are not stored on devices or on the company's servers. When making a payment, Apple does not transmit the card number to the store, but only sends a special identification code, which is encrypted and stored locally on the iPhone.

    The company also says it does not store user payment data or create a payment profile for users, for example, to target ads.

    To confirm a payment in Apple Pay, you use the built-in iPhone sensor fingerprint finger Touch ID.

    In case iPhone loss, iPad or Apple Watch, you can pause the ability to pay through Apple Pay using the Find iPhone feature.

    What similar solutions are there for Android in Russia?

    On September 29, your mobile payment system for Russian market Samsung company. Samsung Pay supported in Samsung smartphones Galaxy S7 edge, Galaxy S6 edge+, Galaxy Note5, Galaxy A5 and A7 2016 release.

    Now you can link MasterCard cards from Alfa Bank, VTB 24, MTS, Raiffeisenbank, Russian Standard and Yandex.Money to the Korean manufacturer’s system.

    However, Vedomosti's interlocutors claim that the system is not popular among users - on the first day Samsung help Pay, its clients made several dozen transactions.

    Let's look at the features and security of Apple's contactless service, which launched today in Russia.

    First, be sure to read in Russia. Let's look at it here general questions performance and safety so that you know what you are using and how it works.

    What is Apple Pay?

    The Apple Pay service was created to simplify the buying/selling process. Instead of using a plastic card or cash, any purchase can be made using an Apple gadget.

    Compatible devices for offline payment:

    • iPhone 6 and 6 Plus
    • iPhone 6S and 6S Plus
    • iPhone 7/7 Plus
    • Apple Watch
    • iPhone SE

    You can pay via iPad and Mac only online.

    Payment occurs when the user brings their iPhone or Apple Watch to the contactless terminal. After a few seconds, a message appears on the screen about the possibility of payment and a proposal to confirm the transaction using a fingerprint scanner or password

    Apple Pay has been around for over a year and a half. As of 2016, it operates in 9 countries: England, Australia, Hong Kong, Canada, China, Singapore, USA, Switzerland and France. Today the system.

    How does this work?

    Warp: The mechanism of the system is based on close transmission technology NFC data(at a distance of up to 20 cm) in conjunction with a Secure Element chip, which stores bank card data in encrypted form. Secure Element represents the industry standard in the field financial transactions. This chip runs a custom Java application.

    Secure Element: This is an area of ​​dedicated memory that is separate from system memory. This area stores the user's bank card data. No program has access to it, data is not transferred anywhere, and even Apple cannot influence this strategy. So no one will know about your purchases and cash flows.

    Secure Enclave: it is the component that manages the authentication process and initiates payment transactions. At the same time, it stores the fingerprint for Touch ID.

    Apple Pay Servers: This is the backend that manages the status of credit and debit cards in the Wallet app, along with the device number stored in the Secure Element. Apple Pay Servers are also responsible for transcoding payment information within apps.

    History and partners

    Contactless payment technology has been used for quite a long time – since the middle of the first decade of the 21st century. But throughout its existence, it has not gained popularity. Even the concept of Apple Pay is not new. Google already tried to take a place in this niche with his inconvenient Google service Wallet.

    Apple Pay is compatible with many existing contactless readers: Visa PayWave, MasterCard PayPass, American Express and ExpressDay.

    In addition to the fact that Apple’s service is supported by hundreds of banks, you can pay using your smartphone at any terminals that support contactless payment methods.

    Where can I pay with Apple Pay?

    Payment is made without entering a bank card number and other bank information. You just need to put your finger on Touch ID.

    During the purchase process, Apple Pay may transfer additional information, stored in the buyer’s phone, such as: delivery address and phone number.

    What is Apple’s “profit” from the Apple Pay service? It's simple: the corporation receives 0.15% from each transaction - this is a fee for servicing the payment service and creating application tools. This money is paid to her by banks: Citi, plus existing payment systems, MasterCard and Visa.

    What about security?

    Apple Pay has multi-level system security: unique device identifier, dynamically generated security codes for each payment transaction, biometric information - fingerprint.

    Taken together, these tools provide more reliable security than a magnetic stripe or even a chip in a bank card.

    During connection creation, devices exchange one-time tokens, which are deleted when the connection ends. The token is designed to replace the card number so that no one recognizes the latter. The token represents a randomly generated number, so the bank card number hidden behind it cannot be decrypted.

    All this comes together and replaces the CVV of a bank card for a payment transaction. After establishing a connection and exchanging tokens for data transfer, they are encrypted. These encrypted messages reflect their ownership of the specific device that created the token used.

    Even if the token is intercepted, it will not give the attacker any valuable information, since after the connection is broken, the token is deleted.

    Although the message contains information about the buyer, the seller, the amount of money involved in the transaction and the bank that provided the card, all data is securely encrypted. Apple does not disclose information about the encryption algorithm, which causes an uproar among some information security specialists.

    Apple motivates its partners to switch to more modern payment terminals according to the EMV specification, that is, replacing the magnetic stripe of plastic cards with a Secure Element chip, which is almost impossible to hack using data interception.

    Hacking theory

    There was a fly in the ointment in this barrel of honey. No matter how hard the developers try, Apple service Pay has problem areas. And this largely does not depend on Apple. Many other entities are involved in the movement of funds, including banks with their huge security gaps.

    The fingerprint scanner does not always work correctly. While it provides a modern and seemingly secure means of identification, it also presents a huge security hole. If Touch ID fails, you can use the PIN code. This negates all advanced security.

    The PIN code can be spied on, confused, the wrong keys pressed, in short, the human factor is at work. When paying using apple watch A Watch fingerprint is not required, in this case the issue of security becomes more acute.

    In this regard, additional verification tools have appeared: secret code, one-time password, calling customer service, or providing information about previous purchases.

    Some banks in other countries require the user to log in to mobile internet banking. These actions reduce convenience Apple usage Pay due to the introduction of additional verification levels.

    At the moment, the simplest payment format works in Russia without additional authorizations in the process.

    Meanwhile, Apple Pay is still not hacked.

    Apple Pay competitors

    In 2011, Google Wallet entered the contactless payment market, but it did not become popular largely due to the fact that there was a strong competitor in the NFC payment market - Softcard, supported by the largest mobile operators USA. But now he's deflated. And Google bought it for $100 million.

    Using developments in the field of contactless payments Softcard, Google launched a payment Android service Pay, which works on principles similar to Apple Pay.

    The market also operates Samsung service Pay. To implement this, Samsung bought LoopPay for $250 million. The latter offers additional devices for contactless payment. The main advantage of LoopPay, and now Samsung Pay, is compatibility with older devices.

    There is also PayPal with a service that makes payments through QR codes. It was developed by Paydiant, which was acquired by PayPal. To scan QR codes, use a smartphone with operating system iOS or Android and installed program CurrentC, powered by Paydiant technology.

    The downside is obvious: there is a time delay - you need to carefully hold the smartphone over the QR code to take a picture.

    The future of Apple Pay

    In the near future, when more points retail switch to Apple Pay, using this system you can issue discounts and sell targeted advertising in accordance with the needs of the consumer. After all, a smartphone knows almost everything about you.

    Apple Pay - universal system contactless payments, 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 system mobile payments is supported by a number of devices from the Cupertino company, but we will only highlight iPhone models, on which this system can operate.

    To smartphones that support the tool mobile transfers funds, a special NFC chip is built in, which allows you to exchange data over a short distance. Such a chip was not installed in earlier flagships, so a problem arises in using the mobile transaction system on some devices from the Apple company. Let's look at which iPhones currently support contactless payments:

    • iPhone 6/6 Plus;
    • iPhone 6s/6s Plus;
    • iPhone 7/7 Plus;
    • iPhone SE.

    To the disappointment of many users, the revolutionary iPhone 5, 5c and 5s do not support Apple Pay. The only one possible solution for owners of flagships of the fifth model - this is to use the development of the Cupertino company with the help smart watch Apple Watch. To do this, just synchronize your iPhone 5 with your smartwatch.

    How to connect Apple Pay Sberbank on iPhone

    In order to connect the contactless payment system, you need to install the Wallet application on your phone, authorizing it using your personal Apple ID. After successful login, you will be able to add a payment card. By selecting the appropriate function, the user will be asked to take a photo of his personal bank card. You can opt out of this method by entering all the data manually.

    Next, you will need to confirm the entered information by entering a code that Sberbank will send to the user’s number. If words such as “Card is activated” appear on the screen. MasterCard Standard is ready for Apple Pay,” then you can begin to successfully use the contactless payment system.

    Contactless transactions for Sberbank clients

    For Sberbank clients, connecting the contactless payment function is much easier and faster. All you need to do is launch the Wallet application and select the appropriate bank card, which will automatically appear in the wallet collection.

    Owners of synchronized smartwatches will immediately receive a notification after activating the card on their iPhone, prompting them to add this map to the device. The program will prompt you to come up with a small password, after which the user in the Wallet application will be able to add a card by first filling out necessary information. The only thing you need to do is confirm your identity again by entering the code from the SMS from Sberbank.

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

    Using the system

    Let's look at the different ways to use a mobile payment app. After activating the card, you can safely start using this system, paying for purchases in supermarkets and stores. To do this, just bring your iPhone to the terminal without opening the Wallet application. The phone will automatically recognize the payment device and offer a fingerprint scanner. After the user touches Touch ID with his finger, the money for the corresponding purchase will be withdrawn from the bank card.

    It is worth remembering that the scope of use of the apple company’s development is quite wide. The tool has been developed for users to facilitate any activity related to transactional payments. Anyone can make purchases in the online store in one click, as well as use various add-on services in a special application store. Now you can pay for any service by touching Touch ID with your finger.

    Mobile transactions are a unique development that can greatly simplify the life of any person, allowing him to make any purchases and payments in a matter of seconds, without worrying about security at all.

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