Russia began to work the Apple Pay system, allowing to pay for purchases with your iPhone. “RBC Money” to check how it is convenient.
Russia began to work payment service Apple Pay. It is available on iPhone SE iPhone 6 and more new models of smartphones as well as Apple Watch. To pay using this service can only clients of Sberbank with MasterCard. Other banks — Alfa-Bank, Tinkoff Bank, MTS-Bank, “Opening” and VTB24 will join the service a month later, in early November. About it reported informally representatives of these two banks.
Apple works almost like Samsung Pay — loaded Bank card, after which payment, the system generates a token a numeric value that is used instead of the card number in the payment. The phone works only on terminals with a function of contactless payment — NFC (Near Field Communication). This differs from Apple Pay competitor Samsung Pay allows you to pay on old terminals that only accept magnetic strip cards.
Russia has about 5 million users of Apple smartphones that have access to this service, says the General Director it is information-analytical Agency TelecomDaily Denis Kuskov. And about 20% of them will use Apple Pay by the end of next year, after the service to join the other banks, he said. With smartphones that support Samsung Pay Russia more, he said.
How it works
the Service only works on the latest version of iOS, so before you add a card, the operating system needs to be updated. After upgrading to pre-installed the Wallet app can add the credit card.
the card Number you want to scan, and then enter the rest of the information — holder’s name, expiration date and CVV code. After registration, the Bank will send an SMS with a code to confirm that you want to enter into Wallet. You can tether up to 8 cards. To tie the card to Apple Pay through the mobile Bank of the savings Bank.
Go to the app to pay is not necessary — the program opens automatically, if you bring the phone to the terminal. Transactions are confirmed as Samsung Pay — by fingerprint or password used to unlock the screen.
RBC tested the new service — Apple Pay worked in all cases as well as contactless card. The speed is comparable to the payment on the credit card the money is debited immediately and the Bank immediately sends SMS notification.
Information about the last previous purchase, you can see the Wallet app, and a complete history of payments — application of Sberbank. Also there are the last 4 digits of the token and the Wallet app, you can see the last digits of the card number. About cards that can be connected to the payment service in the updated app appears in Apple Pay.
the Russian audience typically actively uses new technologies, especially young people, on which such services are calculated, said Pieces of TelecomDaily. “Cell phone always have on hand, and Apple smartphones most people perceive as more reliable in comparison with Android devices, so Apple Pay has good prospects,” he says.
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