Visa launches Apple Pay in Russia. Apple Pay in Sberbank Why is there no visa in apple pay?

Payments via Apple Pay have become available to Visa holders of Alfa Bank and Tinkoff Bank, as follows from materials posted on the Russian Apple website. Representatives of banks and Visa confirmed this. Apple does not disclose further plans for cooperation with banks and other payment systems. The range of partner banks and payment systems is expanding as they become technically ready, says a source close to one of them.

Until now, Apple Pay in Russia was available only to MasterCard card users. In early October 2016, MasterCard holders issued by Sberbank were able to use it, and in early November, clients of eight more banks, including Tinkoff and Alfa Bank, as well as Yandex.Money".

In 2015, Visa accounted for 44.7% of all payment cards issued in Russia, MasterCard – 49.4%, according to the report of the National Payment Card System (NSCP). According to the Central Bank, at the end of the first half of 2016, 249 million payment cards were issued in Russia. The payment systems themselves do not disclose the number of cards issued in Russia.

Visa's share in Tinkoff Bank's portfolio is lower than MasterCard's, says its representative Daria Ermolina.

The corporation announced the launch of Apple Pay in the USA in the fall of 2014. The service allows owners of Apple smartphones (currently iPhone 6 and later models - 6s, SE, 7), as well as iPad Pro tablets and Apple Watch smart watches to pay for goods and services from their devices using contactless payment technology (NFC). In this case, money is withdrawn from their bank cards linked to the application. Apple Vice President of Apple Pay Jennifer Bailey previously told Vedomosti about tens of millions of subscribers to the payment service around the world. According to Apple, in June 2016 their number grew by 450% year on year.

According to an estimate previously given by Telecom Daily CEO Denis Kuskov, 62–63 million smartphones are now registered in Russian cellular networks. iPhone 6, 6s, SE and 7 – up to 5 million, he said. According to an employee of one of the operators, at the beginning of October 2016, there were 3.5–5 million such devices on the Big Three cellular networks.

Apple does not disclose data on the number of users of its payment system in Russia. Apple Pay is in great demand - the first thousand users connected to it in just half an hour, and the transaction turnover is already several million dollars, Tatyana Yarmola, director of e-business products and projects at Alfa Bank, told Vedomosti.

Alfa Bank has expanded the service - if a client has lost his card, he can block the card itself and use payment with mobile phone, this is especially true for travelers, for example, she says.

In the first two weeks, almost 53,000 MasterCard users connected to Apple Pay, the total amount of transactions exceeded 145 million rubles. – the average transaction amount per user was 2,774 rubles, says Ermolina.

As of October 13, more than 125,000 cards of Sberbank clients were attached to Apple Pay, and the turnover of the payment service amounted to more than 120 million rubles, Kommersant previously reported, citing its source.

Contactless payments are becoming increasingly popular in Russia - according to the payment system, the number of transactions on Visa payWave cards has increased 4.5 times over Last year, says her representative. 84% of Russians know about contactless payment cards, and 38% use them, he says, citing Visa research data.

On September 29, 2016, Apple’s main competitor, Samsung, launched its payment system in Russia. In early November, his representative said that the number of transactions through Samsung Pay was growing by 10% weekly, and the number of unique users by 15%.

Smartphone manufacturers promoting their own payment systems can count on bank commissions for conducting transactions, notes ZTE Sales Director in Russia and the CIS Evgeny Ladygin. But now such systems primarily solve marketing problems - for example, stickers on cash terminals that accept payments from smartphones of a particular brand can be considered as a means of promoting it, he argues. The vendor does not yet plan to bring its own payment system to the market; it expects the emergence of a universal payment solution from Google for Android, Ladygin told Vedomosti earlier.

The Apple Pay service offers users the ability to launch contactless payments from their iPhone. The service is absolutely safe and is especially convenient because you do not need to enter any data during calculations - just put your finger on the iPhone screen. Today the technology works in conjunction with MasterCard cards from more than a dozen banks. Sberbank is planning to connect Apple Pay Visa in the near future.

Characteristics of the Apple Pay service

You can pay with Apple Pay in supermarkets, salons, gas stations, and establishments Catering. Depending on the device, the algorithm for connecting Apple Pay to Visa Sberbank, for example, differs. In the article we will dwell in detail on the connection features and characteristics of the service, and also learn how to launch it from each device.

How does it work

For the application to work, you must make sure that your device has the Touch ID fingerprint scanner application installed. The program can be downloaded from the official Apple store, it is free.

In addition, you will need to connect an iCloud account and install the Wallet application; launching it will allow you to scan information from plastic cards and launch contactless payment.

Some accept payments using new technology mobile applications, as well as online stores, and in the latter case, the payment will only work through Apple’s proprietary browser – Safari.

To connect Apple Pay directly, you will need the Internet (Wi-Fi or mobile). The technology currently works with most Apple devices:

smartphones iPhone 6 and later;
Apple Watch;
iPad 2 and later tablets.
MacBook.

Map support

For now, you can use the following types of Sberbank cards of the MasterCard payment system for payments:

Standard for instant issuance (Momentum);
Youth categories Standard with standard and individual designs;
Standard Contactless;
Gold;
Platinum;
World Black;
Elite Premier.

At the same time, both regular debit cards (including salary cards) and credit cards are allowed to be used. It is not yet possible to link virtual cards to Apple Pay. Perhaps this will be developed and launched by the company over time.

Payment Features

According to changes in legislation, all stores must be re-equipped with new generation cash registers, which necessarily includes a fiscal electronic medium for automatically sending information to the tax service and a field generator operating using NFC technology.

It should be noted that in anticipation of Sberbank launching Apple Pay with Visa, most large retail outlets have already acquired new terminals, so using the technology will not cause difficulties.

To start paying for a product or service at a retail outlet using a contactless method using Sberbank’s advanced Apple Pay Visa technology, you must:

unlock iPhone by placing your finger on Touch ID;
tap on the card number from which you need to pay (if there are two or more of them attached to your account);
bring the phone to the top of the terminal, where the reading head is located;
wait for the information to be read and the receipt to be received.

If you have the Sberbank Online application installed, you will receive a Push notification about withdrawals if the service is activated Mobile bank– then an SMS with information about the payment.

Payment using Apple Watch looks like this:

enter the password to unlock the device;
press the button on the side of the watch twice;
select the desired card from the list;
bring the device to the terminal and turn its display towards the top (reading) part.

How to connect the application

To connect to Apple Pay, you will need a Sberbank MasterCard. There is no support for Visa yet, but you can order a MasterCard Standard from the bank, which is in no way inferior in functionality to Visa, and transfer funds from one account to another. This will help you use a new transaction method without waiting for Apple Pay Sberbank Visa to work.

Launch algorithm for iPhone

The method for installing the application depends on the type of device. So, for an iPhone, the connection algorithm will be as follows:

install the official Sberbank Online application, register your account;
tap on the Maps tab;
select the desired MasterCard system card and tap on it;
click on the option Connect Apple Pay (in some versions it is written Connect on iPhone);
through Wallet, scan the card and enter its data in the form provided. The card will be assigned to the application as the main means of payment.

Choose a convenient way to configure the application and connect the necessary Sberbank cards to it - Internet banking or Wallet

The second option works if Sberbank Online is not installed:

immediately open Wallet;
tap the + sign in the upper right part of the screen;
if you have already entered your card details for payments in iTunes, it will appear and you can pin it;
tap Add another card if the one you need is not in the list;
scan the card, it will automatically be delivered as the main payment card.

Instructions for Apple Watch and iPad

If you use an Apple Watch, then connect the application in the same way. In addition, if you install Sberbank Online on both your iPhone and watch, data synchronization will start automatically.

To install the application on iPad you need:

go to Settings;
tap Wallet, then select Apple Pay;
tap Add card;
if you previously paid with a card in iTune, then you need to enter its security code, and it will “pick up” to the iPad;
if the required card is not in the list, then it must be added using a scanner.

When will the technology work with Visa Sberbank in Russia

Since, as of the beginning of 2017, Apple Pay functions exclusively with MasterCard cards, the question arises when it is planned to introduce support for Sberbank Visa in Apple Pay. Unfortunately, there is no exact answer to the question of when the technology will be launched for other systems.

As Stanislav Kuznetsov, deputy chairman of the bank’s board, noted back in November 2016 in an interview, the Apple Pay payment service will be implemented together with the Samsung Pay service. Despite the fact that the services are essentially competitors, they have a lot in common, and the target audience using smartphones from both companies practically does not overlap.

Undoubtedly, if Sberbank launches Apple Pay Visa in 2017, this will significantly increase the capabilities of the bank’s clients and provide an additional flow of users. Currently, just over a dozen banks are working with the technology (including Alfa-Bank, VTB24, Gazprombank, Otkritie, Tinkoff) and the electronic payment system Yandex.Money, but they also interact exclusively with MasterCard cards.

Conclusion

Thus, there is no support for Apple Pay Visa Sberbank yet. It is not yet clear when exactly the technology will work in Russia. If you already have a Sberbank Visa card, but want to try the new technology in action, then you can order a card of the desired payment system from the bank. Servicing an additional card will cost 750 rubles. If you wish, you can apply for a MasterCard credit card – Apple Pay also works with this type.

Thanks to development modern technologies It has become possible to use mobile devices to pay for various purchases. How to connect Apple Pay from Sberbank is of interest to many users. The new payment system is based on contactless shopping technology. The operation occurs through confirmation by placing your finger on Touch ID on an iPhone, iPad, Apple Watch or Mac.

Almost every day, technology continues to develop and surprises with its achievements.

Before connecting, you should study the setup instructions and rules for using the service. Using technology, you can make card payments on the Internet, in apps and at retail outlets.

The following principles and actions must first be observed:

Availability of a Touch ID scanner. For security purposes, it is prohibited to register the fingerprints of family and friends to be linked to your smartphone.
Registration in iCloud (occurs by entering the ID in the Settings application).
Availability of a card.
It must be added to Wallet (an application on your gadget).

The service is also available for online store owners. As part of the acquiring service, you can order the setup of accepting transfers through mobile devices on your applications and online stores. With this opportunity, you expand the circle of your customers, give them the opportunity to save time when paying and keep up with modern technologies.

How to connect Apple Pay on mobile?

You can connect and use the application on iPhone, smart watches and iPad. Let's look at how to configure each of them in more detail.

Connection steps

Connection on iPhone

The instructions have two variations, depending on the chosen method. The first way is to set up through the online banking service by downloading the application first. This can be done through the institution’s website for free.

Log in to Sberbank Online.
Select plastic from the list of your products and go to its page.
Click "Connect to iPhone".
Next, you need to follow the instructions to link the card: you do not need to scan or enter any personal information.
Check the status of the selected plastic, it should change.

The second way is to use the Wallet app. After visiting it, you need to click on the add icon (plus sign).

Here choose one of the options available to you:

Add a product related to account iTunes. The service will request a verification code for this plastic.
If this is not possible, you need to select the “add another” option. In this case, you need to use your iPhone camera to transfer data via your plastic (it must be available at the time of activation).

How to use the system on Apple Watch and iPad?

Separately, it is worth noting the safety of this technology. Data about the card product is not saved on the iPhone, and therefore, even if it is lost, outsiders will not be able to use it. And at the time of payment, no confidential information is transferred. Another person will not be able to perform the operation for you, because the procedure involves the interaction of Touch ID and the use of contactless technology.

How to use the service is described in detail in these instructions:

If you need to make a payment, bring your mobile device to the terminal.
Place your finger on the fingerprint scanning button.
The signal for depositing money will be a slight vibration and a sound signal.

To use " smart watch» When paying, you need to press the side button twice and turn them with the display towards the terminal. Confirmation of the completion of the operation occurs through a sound signal.

Instructions for paying for purchases using the new contactless technology.

During the first few days of Apple Pay availability in Russia, this contactless payment service received 125 thousand user-clients of Sberbank, with which Apple currently has an exclusive agreement.

In early October, Sberbank, together with the Mastercard payment system, were the first to launch the Apple Pay contactless payment service in Russia, which, according to some experts, in the long term could become a serious competitor to banks. As Kommersant reports, the results of the first ten days of operation of the Apple Pay payment service in Russia show that buyers are ready to replace plastic card mobile phone.

Apple Pay in Russia

According to a publication source familiar with the situation, as of October 13, more than 125 thousand cards of Sberbank clients were attached to Apple Pay, and the volume of transactions amounted to more than 120 million rubles. At the same time, the source notes that in Russia there are about 1 million owners of iOS-based smartphones who are MasterCard clients, and on the first day they managed to connect 20 thousand people, which is a record for the first day of the launch of Apple Pay around the world. Sberbank did not comment on this data.

“This is a dangerous situation for them, because it turns out that the banks themselves are leading their clients by the hand to Apple. This is a shame, because banks and MPS did all the work, invested in infrastructure, but were late in terms of developing their own mobile payment instruments, without paying the necessary attention to their development,” the source argues.

When will it start working? Already!

A top manager of one of the large banks calls 125 thousand installations a “good and scary” result - given the fact that they were completed in the first weeks, we can conclude that people choose Apple Pay as more effective method payment than payment by card, which means that trust in the service is quite high. According to him, Apple Pay puts great pressure on traditional market participants: international payment systems (IPS) and banks.

“However, the volume of transactions in the specified amount for such a number of users is a very moderate indicator,” said Kirill Gorynya. “This suggests that users rarely use telephone payments and mainly pay for only small purchases with a smartphone. In general, this type of transaction activity is normal for smartphone payments.”

I agree with him CEO CardsMobile company Kirill Gorynya, who believes that for a week of service operation 125 thousand cards is a lot, especially taking into account the audience of users of three smartphone models and their overlap with Sberbank MasterCard cardholders. According to estimates from the AS&M Consulting agency, in 2015, mobile commerce turnover grew by 37% and exceeded 70 billion rubles, and by the end of this year it is expected to reach more than 100 billion rubles.

Apple Pay Sberbank Visa in December

Let us remind you that Sberbank has become an exclusive partner of Apple - during October, only its clients will be able to use Apple Pay.

Apple pay iPhone 5s - does not support!

Owners of iPhone SE, iPhone 6 and newer models, as well as Apple Watch who have a Sberbank MasterCard can use the service.

What banks work

In November, the number of partners will include banks such as VTB, Alfa-Bank, Otkritie, Tinkoff Bank, Raiffeisenbank. Apple Pay is expected to launch on Visa cards in December.