An apple pay system that will allow. What is Apple Pay and how does it work. Payment card details will be known to Apple

Now you can pay for your purchases in stores using your iPhone instead of using plastic! The Apple Pay service first launched in 2014 in the United States, when the iPhone 6 was introduced. Two years later, it also launched in Russia. He took on the role of the discoverer. A month later, other popular banks in Russia took up the baton, including. How does this technology work?

Apple Pay features

Apple Pay is a contactless payment technology that is implemented in Apple company gadgets. The possibilities of such payment are that you can no longer carry plastic cards with you, but simply connect all the cards to your smartphone and make purchases. To make a payment, the buyer needs to bring his mobile device - a smartphone or smart watch - to a special terminal and after a couple of seconds the operation will receive confirmation. Apple Pay was officially launched in Russia on October 4, 2016.

This article provides instructions on how to pay with an iPhone instead of a bank card, and provides information on setting up other Apple products.

Supported devices

Contactless payments at retail outlets and online via Apple Pay are available on the following devices:

• iPhone SE;
• iPhone 6, 6 Plus and 6s;
• iPhone 7, 7 Plus;
• both Apple generation Watch;
• Macbook Pro 2016;
• iPad latest versions.

It is also worth noting that the service is supported by smartphones of the fifth series. Payments using them are only possible with the additional use of a smartwatch, since models in this series are not equipped with NFC chips.

You can also pay for online purchases using Apple Pay. using iPad(Air 2, Pro, mini 3 and other models last generations) and synchronized with iPhone or smart watch Mac computers With operating system macOS Sierra on board.

Supported Banks

The system was launched in Russia in . At the first stages of implementation, linking to the service is available only to Sberbank clients - owners of MasterCard credit and debit cards. At the same time, in preliminary testing A number of other Russian banks participated in the system:

Apple smartphone

Open Wallet on your smartphone:

1. Go to the “Add a payment card” section.
2. If you have not linked the card to iTunes, the program will ask you to enter the card details.
3. Using the program prompts, enter the number, CVV2 and card expiration date.
4. Enter the OTP code that the app asks for. It will come via SMS to your smartphone.
5. The issuing bank will check the relevance of the entered data. If everything is ok, it will be added to the application.

Apple Watch

If you are the owner Apple Watch first or second generation, you can pay using watches:

1. Tap the app on your Watch smartphone and open My Watch. Choose your gadget.
2. Tap Wallet & Apple Pay. To write new information, click “Add payment card”. Follow the same steps to add a card as indicated in the instructions for your smartphone.
3. Click Next. The plastic issuer will begin checking and if the data needs to be updated, it will request it.
4. If the account is linked to iTunes, click “Add” and enter the OTP code that will be sent via SMS.
5. After the information has been verified by the Issuing bank, you will be able to make purchases.

Apple tablet

In general, the process of adding to iPad should not be difficult:

1. Click Settings → Wallet & Apple Pay.
2. Select "Add payment card".
3. If the card is linked to iTunes, click “Add” and simply enter the OTP password.
4. Select Next. The bank will begin checking your card issuers. If everything is in order, your card will be added to Apple Pay.
5. If it is necessary to update the data, the issuer will request it.
6. After completing the settings, the “apple payment” technology will be ready.

Apple computer

The 2016 Macbook Pro makes purchases with Apple technology. You can also link plastic to a Mac, but you will need an iPhone or Apple Watch to pay:

1. Enter the menu " System Settings» → “Wallet and Apple Pay”.
2. Select "Add Card".
3. If you need to pull up a card from iTunes, click “Add” and enter the OTP code.
4. If you need to update another account, select “Add a new card” and enter new information about it in the appropriate fields.
5. After the issuer has verified the plastic, you can start shopping.

Usage

After connecting the service, a logical question arises - how to use Apple Pay? To pay for a purchase with using Apple Pay you need to bring your smartphone to the terminal, which supports NFC technology and itself payment service. After this, a picture with a map will appear on the device display.

The next step is to confirm the payment using your fingerprint and Touch ID. This procedure takes a couple of seconds.

It's just as easy to use your Apple Watch when you buy with Apple Pay. To make a payment, you need to press the button twice, which is located on the side just below the crown. Digital Crown, decide on the card with which the payment will be made, and bring the device to the payment terminal.

If you haven’t figured out how to use the service yet, then watch the video:

You can shop online using your iPad and Mac. Using the Safari browser, go to the desired site and fill out all the contact details for the purchase:

1. Tap Buy with Apple Pay or Apple Pay.
2. Follow the prompts on the screen (or Touch bar if it's a Macbook Pro) and place your finger on touch sensor ID.
3. If the transaction is successful, you will see “Done” on the screen.

Shopping from your iPhone's locked screen

To simplify interaction with the system for smartphone owners, it is provided fast access to payment cards by double-clicking the Home button. If nothing happens after such a double tap, you need to enable access to the payment system from a locked display.

Advice! To access the system from a locked screen in the Wallet application settings, you must activate the switch " Double tap Home".

Commission

There are no additional fees charged to the buyer for using the service and making payments. Apple receives payment only from partner banks in the amount of 0.15-0.17% of the amount of each transaction passing through the service.

Payment security

Making payments through the Apple Pay service provides more high level security than in the case of direct use of a bank card.

• Firstly, there is a queue due to the fact that the buyer's fingerprint is used to confirm the transaction, rather than entering a PIN code.
• Secondly, through the use of a unique card identifier (DAN) and a dynamic security code that is specially generated for each transaction.

Thus, when paying, not the buyer’s card data is transmitted to the seller, but only DAN, which eliminates the possibility of interception and further use information for committing fraudulent activities by third parties.

Over the past couple of years, we've gotten used to using Apple Pay. Double click on Home button, Touch ID confirmation, ready – purchase paid! The iPhone X doesn't have a Home button or Touch ID. Accordingly, Apple Pay works differently. More about this below.

Activating Apple Pay on iPhone X using Face ID consists of three parts.

Step 1: Double tap the side button

To begin, you need to double-click on side button. A screen with Apple Pay will open.

Step 2: Face scanning

After this you will see a small animation on the screen. Hold your phone up to your face and authenticate with Face ID.

Step 3: Bring your phone to the terminal

When authentication is complete, you will see the text “Bring your device to the terminal.” Do this and the payment will be completed. Additional actions, if necessary, will need to be performed on the terminal.

If you're used to using the old Apple Pay method, the new process will take a little longer to get used to. Essentially the method remains the same, but now it is divided into two parts.

Now you can enjoy all the benefits of your MTS Money card with Apple Pay. This is a convenient, secure and confidential way to pay for purchases.

What is Apple Pay?

Now you can enjoy all the benefits of your MTS Money card with Apple Pay on iPhone, Apple Watch, iPad and Mac.

• Just
  Apple Pay works very simply - all you need is the device you use every day.
• Reliable
  
• Comfortable
  Paying for purchases in stores, in apps and on the Internet becomes as convenient and safe as possible.

• How to add an MTS Money card to Apple Pay?

  To add a card to Apple Pay, just follow three simple steps.

  iPhone

  • Open Wallet app.
  • Tap the plus icon in the top right corner.

  Apple Watch

  • Open Apple app Watch on iPhone.
  • Tap Wallet & Apple Pay.
  • To add a credit or debit card, select "Add a payment card" and follow the instructions on your device.

  iPad

  • Go to the "Settings" section.
  • Tap Wallet & Apple Pay and select Add a Payment Card.
  • To add a credit or debit card, select "Add a payment card" and follow the instructions on your device.

  Don't have an MTS Money card yet? Find out how you can get it.

  What bank cards can be loaded into Apple Pay?

  What devices support Apple Pay?

  How to pay for a purchase using Apple Pay?

  When making payments in stores, Apple Pay only works with terminals that support contactless payment.

  1. Payment in stores

  To pay for purchases in a store, you don't need to wake up your iPhone or open any app. Just bring your iPhone to the terminal,
  by placing your finger on Touch ID. You will see "Done" on the screen.
  you will feel a slight vibration and hear sound signal -
  this means your payment information has been sent.

  On Apple Watch, double-click the side button and face the Apple Watch with the display facing the terminal. With a light touch and a beep, Apple Watch will confirm that your payment information has been sent.

  2. Payment in applications and on the Internet

  To pay for purchases in applications and on the Internet with using iPhone and iPad, at checkout, select Apple Pay as your payment method and place your finger on Touch ID.
  To pay for a purchase in Safari on Mac, choose Apple Pay, then complete checkout on iPhone or Apple Watch.

• Where can you pay with Apple Pay?

  You can pay for purchases using Apple Pay wherever it is available. contactless payment card, as well as mobile applications and on the Internet - where there is a “Pay with Apple Pay” button.

  Is it safe to pay with Apple Pay?

  Apple Pay is as secure as chip cards.

  1. Your card details are securely protected because they are not stored on the device and are not transferred anywhere during payment.
  2. A fingerprint is always required to confirm a transaction, and large transactions may require you to enter your card PIN at the payment terminal.

  • Do I need an internet connection to pay for purchases with Apple Pay?

    No, you don't need to be connected to the Internet to pay for purchases in stores with Apple Pay.

    How much does it cost to use Apple Pay?

    There is no additional cost to use Apple Pay.

    What to do if your Apple device with activated Apple Pay stolen?

    Someone else won't be able to use your device to make payments because your fingerprint is always required to confirm the transaction.
    However, if your device is lost or stolen, you will need to visit Apple icloud.com/find or use the Find My iPhone app to pause or completely remove all cards from your lost device. Maps will be deleted even if the device is turned off.

    (!) You can call the bank and report the theft or loss of the device. In this case, the bank's call center operator will help you disable cards on your Apple device.
    If you call the bank, you must provide information on your MTS Money bank card.

    What to do if you have lost/stolen or compromised your MTS Bank card?

    If an MTS Bank bank card is lost/stolen/compromised and you report this to the bank, all tokens issued for this bank card will be deactivated on all devices in order to prevent fraudulent activities.
    After receiving new card you need to re-add the cards to the Wallet app.

    Can cases be used when paying with Apple Pay?

    You can use thin plastic or rubber covers. They should not interfere with payments using Apple Pay.
    If you use a solid / foil / metal case, you need to check its effect on payment empirically.
    The density and thickness of the case material may interfere with Apple Pay and make contactless payment impossible.

How to connect Apple Pay?

For Apple settings Pay your device must be equipped with a fingerprint scanner finger touch ID. The device must also be logged in account iCloud*.

Please note: To set up Apple Pay, you will need an internet connection.

For Apple connections Pay you need to add a Sberbank card to the Wallet application on your device:

• Open the Sberbank Online application.
• Go to the card page, click on the “Connect Apple Pay” or “Connect on iPhone” button.
• Follow the instructions to add your card to the Wallet app on your iPhone. You don't need to scan bank card and enter codes from SMS and personal data.
• mobile bank
• Open the Wallet app.
• Tap the plus icon in the top right corner.

Apple Watch

• Open the Sberbank Online application on your iPhone.
• Go to the card page, click on the “Connect Apple Pay” or “Connect on Apple Watch” button.
• Follow the instructions to add your card to the Wallet app on Apple Watch. You do not need to scan your bank card and enter codes from SMS and personal data.
• After connecting, the card status on home page Sberbank Online applications will change.
• Make sure your mobile bank is connected to your card
• Open the Apple Watch app on your iPhone.
• To add a credit or debit card associated with your account iTunes recording, enter the security code for this card. Or select "Add another card" and use the camera to enter the card details.
• Make sure your mobile bank is connected to your card
• Go to Settings.
• Tap Wallet & Apple Pay and select Add a Credit or Debit Card.
• To add a credit or debit card associated with your iTunes account, enter the card's security code. Or select "Add another card" and use the camera to enter the card details.

Note: iCloud is an Internet service Apple. To sign in to iCloud, you need to go to the Settings app on your device and enter your Apple ID.

What is Apple Pay?

Apple Pay is a convenient, secure, and private way to pay for purchases in stores, in apps, and online. Apple Pay works very simply - all you need is the device you use every day. Your card details are securely protected because they are not stored on the device and are not transferred anywhere during payment.

What devices does Apple Pay work on?

Apple Pay works with iPhone 6 and later in stores, apps, and websites in Safari; with Apple Watch - in stores and in applications; with iPad Pro, iPad Air 2, iPad mini 3 and newer - in applications and on websites; and from a Mac in Safari with an Apple Watch or iPhone 6 or later with Apple Pay. Full list devices specified

Apple Pay supports the following Sberbank debit and credit cards:

Debit:
Visa Classic
Aeroflot Visa Classic
"Youth" Visa Classic
Visa Classic with individual design
Visa Gold
Aeroflot Visa Gold
Visa Momentum
Visa Platinum
Visa Infinite
Visa Signature Aeroflot
“Give Life” Visa Classic
“Give Life” Visa Gold
“Give Life” Visa platinum
World Mastercard Elite Sberbank First
Mastercard World Black Edition Premier
World Mastercard "Gold"
Mastercard Platinum
Mastercard Gold
Mastercard Standard
Mastercard Standard Contactless
Mastercard Standard with custom design

Mastercard Standard youth card with individual design
Mastercard Standard Momentum
Visa Electron

Credit:
Visa Classic
Visa Gold
“Give Life” Visa Gold
“Give Life” Visa Classic
Aeroflot Visa Gold
Aeroflot Visa Classic
Visa Momentum
Visa Signature
Mastercard Gold
Mastercard Standard
Youth card Mastercard Standard
Mastercard Credit Momentum

How much does it cost to use Apple Pay?

Apple Pay is available at no additional cost.

Where can you pay with Apple Pay?

You can pay for purchases using Apple Pay wherever contactless payment with Sberbank cards is provided, as well as in mobile applications and on the Internet - wherever there is a “Buy with Apple Pay” button or Apple Pay in the list available ways payment.

How to pay for a purchase in a store using an iPhone?

To pay in store, bring your iPhone to the terminal with your finger on Touch ID. After fingerprint recognition, payment is authorized. The terminal will report the successful completion of the transaction. Always check the terminal to make sure the payment went through. For transactions worth more than RUB 1,000, you may be asked to enter a PIN code on the terminal.

Important!

How to pay for a purchase in a store with Apple Watch?

Wear your Apple Watch on your wrist and enter your passcode. To pay, double-click the side button on the watch, select a Sberbank card and bring the Apple Watch display to the terminal. The terminal will report the successful completion of the transaction. Always check the terminal to make sure the payment went through.

Attention! Do not tell anyone your password.

How to pay in mobile applications and on the Internet?

When checking out, look for the Apple Pay icon. Tap the icon to check your payment information and contact details. Then place your finger on Touch ID or double-tap the side Apple button Watch to complete your purchase. You will see “Done” and a checkmark on the screen - this means that the payment was successful.

Important! Don't let anyone, including your family, register your fingerprints with your Apple Pay-enabled device.

Do I need an internet connection to pay for purchases with Apple Pay?

No, you don't need to be connected to the Internet to pay for purchases in stores with Apple Pay. Your device interacts with the terminal using NFC contactless technology.

Which, shortly before the official release, was mentioned at the next Apple presentations general director of the company. What is Apple Pay?

Apple Pay is a contactless payment system that is more secure and convenient way payment for goods and services. The principle of Apple Pay is to read payment information from mobile devices Apple company through NFC (Near Field Communication) technology with further authentication of the owner through .

How to set up Apple Pay

Before using the service, you need to launch the standard Passbook application and add active card, by scanning it with a camera. You can attach up to 8 different cards to Apple Pay, and payment occurs in a matter of seconds. The user does not even need to launch any application to activate the system. Simply hold your iPhone up to the contactless reader installed in stores and place your finger on the Home button to recognize your Touch ID fingerprint. A vibration or beep will let you know that the payment transaction was successful.

You can also pay for in-app purchases using the contactless payment system.

It is worth mentioning right away that Apple Pay will only be supported on new Apple 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 since its launch Apple Pay can be used in more than 200,000 retail outlets, including McDonald's, the Walgreen pharmacy chain and large stores such as Target and Macy's, Apple currently has agreements only with US banks, which makes the service unavailable to residents of Russia. However, with a strong desire, the territorial restriction can be circumvented.

upd. Apple Pay in Russia

The Apple Pay system has started working in Russia. On currently To pay for purchases via Apple Pay, only MasterCard from Sberbank is suitable, but the situation may change in the near future - the list of partner banks will be replenished.

Users of the following devices will be able to pay for their purchases offline through Apple Pay in Russia:

• 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 i-device users do not need to independently configure the service.



Apple Pay works with all terminals that support contactless payment methods. These are PayPass, PayWave and NFC.

To pay, place your finger on the Touch ID sensor and bring your iPhone to the terminal. At this time, the system will automatically process the payment.

In some cases, you may need to enter your card PIN or sign for iPhone screen. When paying for purchases via Apple Pay, the bank does not charge any commission.

How to add cards to Apple Pay

Let us remind you that currently Russia Apple Pay only works with MasterCard from Sberbank. To attach a card, follow these steps:
1. Open the Wallet app on your iPhone.
2. Tap on “Add payment card”.
3. Take a photo of the card or enter its details manually.
If Apple Pay says “Your card issuer does not yet support this card,” this means that your bank or card is not supported by Apple Pay in Russia. Or perhaps there are not enough funds in the account.

Video instructions “how to set up Apple Pay” from Sberbank

How to use Apple Pay outside the US with a US bank card

As it became known recently, the owners of new mobile devices from Apple have found a way to use the service in other countries. However, in order to use Apple Pay outside the US, you must have a valid US bank card.

Although Apple claims that they have agreements with more than 500 banks, at present, when talking about the compatibility of cards with Apple Pay, the Cupertino team announces a not so large list: American Express, Bank of America, Capital One, Chase, Citi, J.P Morgan , Merrill Lynch, U.S. Trust and Wells Fargo. In more detail, the situation with map support looks like this:



Next, to pay for your purchase, you need to go to “Settings” > “General” > “Language” > “Region” and change it to USA. After this, we launch the Passbook application, which now offers the opportunity Apple installations Pay and continue setting up.

You can pay for purchases using Apple Pay through PoS terminals that support NFC technology. However, please note that the use Apple service Pay outside the US will cost you an extra penny, since banks will require payment for services taking into account currency conversion. But be that as it may, it works.

Apple Pay Security

Safety of using contactless payment system is one of the important issues. According to most experts, paying for purchases using Apple Pay is safer than using traditional plastic cards. Fingerprint scanning technology eliminates the possibility of unauthorized people using the service, and NFC module transfers all data using tokens that replace the existing number credit card to randomly generated.

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

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