Comfortable technology to simplify the procedure of payments with plastic cards was successfully tested in the USA in 2002. Today PayPass is actively used in European Union, USA, Japan, developing countries of the Asian region and CIS countries.
On the Russian market PayPass was released in 2008, after which the following banks took up the issue of plastic supporting the technology: Citibank, Russian Standard, Petrocommerce, Moscow Industrial Bank, Alfa-Bank, Raiffeisenbank.
The PayPass technology is based on the principle of contactless payments based on the MasterCardWordwide product. The key benefits are the simplification and acceleration of the buying process. To conduct a transaction between the buyer and the cashier, it is enough to attach a card that supports PayPass technology to a special terminal and express consent to the transaction. There is no need to take the card out of your wallet, bag, pocket or other storage place. The technology is available for magnetic stripe and chip cards.
When paying for goods or services with PayPass technology There is no need to enter a PIN code and sign on the check during the purchase process. The limit on the purchase amount in force in Russia should not exceed 1000 rubles. The technology is only gaining momentum in Russia against the backdrop of widespread use in Europe. A popular payment method provoked a new round of fraud in the segment of reading information from plastic cards of bank customers.
Thanks to PayPass technology, payment for inexpensive services or goods has become possible not only with the use of a plastic card, but also through a key fob, watch, telephone and other devices in which an electronic chip is embedded that is tied to bank account client. Most interesting option The chip is offered in the form of an adhesive sticker, which is conveniently attached to any carrier. The convenience of using PayPass is to save time in the process of everyday payments in a cafe, at a gas station, in a store or public transport.
PayPass chip owners save about 30 hours of time per year thanks to a progressive simplified way of cashless payments.
If PayPass technology is used to pay online, the user will need to enter a special verification code. In POS-terminals that are not equipped with the option to recognize contactless chips, it will be possible to pay with a card in a standard way, using a magnetic stripe or a contact chip. Some experts tend to believe that PayPass technology has certain security problems. Their essence boils down to the fact that advanced in the use of information technology scammers can use readers to write off insignificant amounts from the card remotely without the need to confirm the payment.
Depending on choice commercial bank for cooperation, the status, format, as well as the parameters for using cards with contactless payment technology are significantly different. The difference can be traced not only optionally, but also in the cost of providing services. For example, Citibank is focused on issuing co-branded (joint projects of banks with other companies as part of special programs for a specific target audience) plastic with PayPass, while Alfa-Bank can also issue contactless payment technology.
When using PayPass terminals, users include an RFID chip in their technological arsenal. It should be noted that this element does not contain the required set of data, which is sufficient to pay for online purchases, such as a CVC2 code or username. Theoretically, an advanced attacker can read a one-time access code in order to perform one or more operations. But due to the technological complexity, the mentioned method of deception is unlikely to be widely used.
Advice from Sravni.ru: PayPass technology makes life easier modern man and saves time. But not too widespread on the territory of the Russian Federation makes a convenient algorithm for paying for purchases inaccessible in a number of areas. If you are in Moscow, St. Petersburg or another major regional center, the possibility of using PayPass is guaranteed not to be superfluous.
The world's first market testing of MasterCard contactless technology began in 2003, in 2005 the novelty began to actively penetrate the markets and gain popularity. History of MasterCard paypass in Russia began in 2008, when new way payment system was first demonstrated in our country, and its distribution gradually began - the first contactless cards appeared, merchants accepting this type of payment.
It became possible to purchase a one-touch ticket at Aeroexpress ticket offices and vending machines, contactless terminals appeared in Gastronome No. 1, GUM boutiques, etc.
The first solution for mobile contactless payment in Russia appeared - MasterCard and MTS launched a joint project. A convenient and fast payment method was actively conquering the market - in the same year, payment using contactless technology became possible in parking lots, gas stations, cafe chains, cinemas.
The contactless payment method is available at Moscow metro ticket machines, on several bus routes in the Moscow region, and at Aeroexpress turnstiles. Banks start issuing contactless MasterCard cards in new form factors: watches and stickers. In the same year, all leading Russian mobile operators offer solutions for mobile contactless payment. The first mobile wallet has been released, allowing you to remotely issue and download a card to your smartphone “over the air”.
The Summer Universiade in Kazan had a significant impact on the spread of cashless payments and contactless technologies. Especially for this large-scale event, a multi-service contactless MasterCard card: in addition to the payment functionality, this card was a pass to sports facilities, a public transport pass, an identity card for fans and volunteers, a card in a loyalty program. With this card it was possible to buy tickets, "register" them in electronic system, and no longer use tickets on paper: at the stadium, you just had to touch the card to the reader at the entrance. At the same time, the first cards for fans of sports clubs appeared on MasterCard contactless bank cards - their functionality includes discounts on the purchase of goods in specialized club stores, and the ability to purchase and record season tickets or tickets for games, so that later you can go to the stadium "with one touch" .
This year brings new form factors in the form of key chains and wearable bracelets. By the way, more than 30 thousand guests of the Alfa Future People festival used the bracelets, which, with the support of MasterCard, became the first music festival in Russia, the entire territory of which was a cash-free zone.
MasterCard PayPass technology is becoming more and more widely used and gaining a new sound in social projects implemented with its use - a new generation of Muscovite social cards is issued on contactless MasterCard cards, and in Tatarstan the School Card project is being implemented - a new one has been created in it using MasterCard contactless technology school environment: from attendance checks to planning school meals. Multiservice cards and electronic bracelets with a contactless chip were issued to schoolchildren, who thus learn the basics of financial literacy.
A number of projects are being implemented to introduce MasterCard contactless technology in transport. large-scale project launched in St. Petersburg metro in January: one-touch fares can be paid at all stations directly at the turnstiles. Ground routes also appeared in Moscow and the northern capital - buses and trams are equipped with contactless readers.
MasterCard technology, due to its ease of use and the ability to integrate with a variety of wearable devices, is becoming increasingly famous and popular. By 2020, contactless payment support will become the MasterCard standard for European service and trade enterprises, consumers will be able to pay with contactless cards and devices at all POS terminals in Europe.
Almost every one of us has used infrared and Bluetooth technologies at least once, for example, transferring music from phone to phone at an institute lecture or, on a larger scale, deploying a data transmission network as part of some event taking place in a closed space using technology Bluetooth low energy. Many are already familiar with another near field communication technology - NFC (near field communication, near contactless communication). This is a wireless high-frequency communication technology that allows devices to exchange data at a very small distance of about 10 cm (compare with Bluetooth - up to 10 m). NFC is widely used in payments, access control systems, event pass wristbands, and more. Today, this technology is spreading in smartphones, TVs, and in the tourism industry.
NFC has played a key role in the development of contactless payments. The technology formed the basis of contactless payment. This is because NFC is reliable and easy to deploy. Contactless NFC chips store and exchange data with special readers, such as validators at turnstiles or POS terminals at store checkouts. Validators and terminals authorize the chip and exchange data at high speed. In addition, one of the NFC functions is to work in the bank card emulation mode.
MasterCard contactless payment technology is a special case of using NFC. See the infographic for details:
The most important feature that makes NFC an invaluable technology for use in mobile contactless transactions is the minimum connection establishment time, less than a second. That is, it is enough to bring the device with the NFC chip to the payment terminal and the payment will be made almost instantly.
The NFC chip can be installed in any device: from bank cards and mobile devices to watches and smartphones.
Benefits of MasterCard Mobile PayPass are obvious:
Through a combination of unique technologies, MasterCard paypass can make almost any item you like a means of payment.
Smartphones in modern society have long ceased to be a means of communication: now it is the Internet, books, music, work, study, maps and navigation, photos and mail, which are always with you. A person can forget a plastic card, wallet, glasses and keys, but he will check the presence of a phone in his pocket several times before leaving - after all, without it, it’s like without hands. Of course, the decision to make the smartphone also a means of payment was obvious. Moreover, NFC technology is extremely convenient for use in mobile devices and there are many smartphones and tablets with NFC "on board" in the world. How exactly your smartphone turns into a payment instrument can be found on the website.
Within literally last year MasterCard contactless technology has appeared in smartphones with support for a number of payment platforms.
▪ Apple Pay - a payment system integrated into Apple devices and introduced on September 9, 2014. Apple device owners can use MasterCard credit and debit cards directly with Apple Pay. In the store, to confirm the payment, it is enough to bring the iPhone to the contactless reader of the payment terminal and at the same time touch the Touch ID scanner with your finger (a step towards biometric identification). Security is provided by the EMV (Europay, MasterCard, Visa) standard and the use of the MDES (MasterCard Digital Enablement Service) platform.
▪ Samsung Pay. MasterCard cardholders can use their smartphones (flagship models such as the Samsung Galaxy S6) as a mobile payment device. The security and convenience of payments is ensured by the tokenization mechanism, the use of the MDES platform, as well as the EMV cryptographic algorithm.
▪ Android Pay announced and still preparing for release, but Android Pay and MasterCard have already been implemented paypass, based on the same tokenization mechanism. The real number of the user's card is not transmitted, so the consumer is provided with an additional level of security. The solution will soon be available for users of devices with Android KitKat and above.
▪ Wallet. A project related to MasterCard technology and mobile payments is being developed in Russia. In 2014, MasterCard and CardsMobile introduced new features of the Wallet mobile app. "Wallet" is available for download on more than 100 phone models due to cloud-based NFC technology.
Mobile app"Wallet" allows owners of compatible Android smartphones to issue, securely store and use MasterCard PayPass mobile bank cards directly in the application for payments in online and offline stores, transport cards to pay for public transport and electronic discount coupons. During the payment process, the user only needs to attach his smartphone with the Wallet application installed to the contactless payment terminal.
One of the key innovations is the launch of the "cloud" version of the Wallet, previously available only in a pre-installed form. Download a virtual contactless bank card to your phone today Tinkoff Bank, Russian Standard and Bank St. Petersburg can be "over the air" without visiting the bank, using the application "Wallet. Bank cards" from CardsMobile for Samsung, HTC, LG, Nexus, Sony, Huawei, OnePlus with Android 4.4 KitKat operating system and higher. The app can be downloaded for free from Google.Play.
Even now, watching the payment process in a hypermarket or at communication payment terminals, one can see that the transition to paperless money turnover In Russia, things are slow - many, even young people, prefer to carry banknotes and coins in their pockets, and shops periodically put up signs with the already slightly annoying announcement "We do not accept cards." So are we ready to meet the future that is already here?
According to one interesting study, yes, we are.
PRIME Research conducted its third annual Mobile Payments Study to uncover the changing consumer attitudes towards digital payments and mobile solutions. More than 19 million 100 thousand social media comments were analyzed in 2014 in sources such as Twitter, Facebook, Instagram, Weibo (China), Google+, YouTube and forums. The study covered consumers in 56 markets across the Americas, Europe (including Russia), Africa, Asia and the Pacific and identified more than 8 million conversations on these topics, including consumer commentary and news discussions.
The results of the study were announced in the spring of 2015. They show not only a significant increase in the number of discussions, but also a change in their tone and focus - there are more positive comments. Here are some of the findings from the study.
Clearly, users around the world are ripe for new payment options. In turn, payment systems and technologies have a future that can be looked at with bold optimism and confidence in being in demand.
Two abbreviations were used in the post, which hide not only technologies, but also guarantee the security of fast contactless payments. Let's talk about them briefly.
MDES (MasterCard Digital Enablement Service) is a platform that turns any device into a payment instrument: it allows you to use any device with an Internet connection to make and receive payments. When making payments, the platform uses tokens - one-time combinations of numbers that are used on mobile devices instead of 16-digit numbers on plastic cards. MDES confirms the transaction, matches the token with the plastic card number and sends this information to the issuing bank to authorize the payment on its part. In case of fraud or loss of the payment device, the connection between the token and the card in the MDES platform is broken.
EMV (Europay, MasterCard, Visa) – international standard for transactions with bank cards with a chip. This standard was developed by the joint efforts of bank card providers to increase the level of transaction security.
MasterCard has been a driver of innovation for businesses, banks and end users throughout its history. Contactless technology is a solution that is simultaneously convenient for all market participants, safe and easy to scale.
More than 5 million MasterCard PayPass cards have already been issued in Russia. More than 3 million trading platforms in 68 countries of the world accept payments using MasterCard PayPass technology (38 countries in Europe).
The future has arrived. All that was left was to touch it.
PayPass contactless payment technology, which first announced itself in 2002, was introduced by the well-known MasterCard payment system to speed up and simplify purchases with a card equipped with this system (one-touch purchase). Analogues of this technology are payWave at the payment Visa systems and ExpressPay from American Express.
Initial testing of new items took place in the United States. After it, PayPass payment terminals appeared in McDonald's fast food establishments in America, Canada, Japan and the Philippines. Gradually, they began to connect to the contactless payment system big banks, and payment terminals have spread to many countries. Today, PayPass cards can be used to pay for a service or purchase in countries such as Australia and Canada, Mexico and China, Korea and Mongolia, United Arab Emirates and Thailand, Taiwan, Philippines, Turkey, Malaysia, Lebanon, Indonesia, and almost all of Europe.
In Russia new system arrived in September 2008. The first "lucky one" to experience his work was a Moscow restaurant called "Five Stars" - contactless payment was made here using a MasterCard card with the PayPass function.
The first bank to issue PayPass cards in Russia was the Moscow Industrial Bank. They provided teachers and students educational institutions. It is interesting that for students such a card has become not only a kind of "purse" that allows you to pay for lunch, it completely replaces a student ID card, and even a record book. Further distribution of PayPass cards to other universities of the country is expected. This is not surprising, Russia is a country of student youth. In their environment, as nowhere else, a lot of purchases are made and the technology of contactless payments is most appropriate here.
The Moscow Industrial Bank has gained followers and now cards with the PayPass function are issued by Alfa-Bank, Raiffeisenbank, Petrocommercebank, Citibank, Russian Standard Bank, Tinkoff Credit Systems and other banks (example credit card and debit card ).
Initially, the new technology of payment for services and purchases using the PayPass contactless method was conceived in order to simplify the process of paying for goods and save time for each person.
The PayPass function, which works on the basis of an NFC chip with an antenna embedded in a plastic (NFC - short-range wireless high-frequency communication technology), allows you to make a purchase and pay for any service in a matter of seconds. The terminal at a distance reads the information from the card and by a sound signal makes it clear that the amount necessary for payment has been deducted from it, which means that the purchase has been made.
It is impossible to make a mistake here by paying for one product twice - the system will not allow this, after payment it will immediately turn off. To pay for the goods, you just need to bring the card to the terminal and make sure that the payment amount on its display corresponds to the expected one. You can not even take it out of your purse, but bring it to the terminal - the service will still be paid.
If there are several cards with radiochips in the purse, payment will not occur - the terminal will react to them and stop the procedure. The payment amount available for the PayPass function in Russia is 1000 rubles and no more. With such a purchase, there is no need to enter cards or put your signature on the check. If the purchase is more expensive, then such additional operations may be required.
Visa payWave and American Express ExpressPay are technologically compatible with MasterCard PayPass, so payment with cards based on these payment systems is possible at the same terminals that support contactless payment, but subject to certification of acceptance of contactless payments from cards of these payment systems.
The PayPass service is actively used in places where people do not stay for a long time. These are fast food establishments, pharmacies, railway stations, airports, cinemas. Contactless payment terminals are equipped with vending machines, toll roads, turnstiles, gas stations, supermarkets and cafes.
Contactless payment technology is a convenient method that saves time for buyers and users of various services, it is a service high level. There is no need to carry and get cash, spend time paying and getting change. PayPass and payWave cards are universal, they can be successfully used in any terminals and ATMs in all countries of the world. Chips that support contactless payment technologies are even built into smartphones, which is very convenient - you just bring your phone to the reader and the purchase is paid.
Cards with a PayPass chip are protected by a built-in mechanism that makes unwanted purchases impossible - for payment, it must be brought very close to the terminal. Remaining throughout the entire procedure in the hands of the buyer and under his control, it is also protected from fraudsters.
But there is also a negative experience of using these technologies. The results of the research showed the possibilities of scanning a chip on a card with PayPass using inexpensive scanners right in the crowd. But the protective methods used by the technology (encryption and the inaccessibility of direct reading of the contents of the chip) greatly complicate the possibility of cloning it. In addition, the need to contact the card at a very close distance makes it inconvenient and almost impossible to access it.
Restrictions on payment (up to 1000 rubles without a signature and entering a PIN code) also nullify the efforts of scammers - you can’t steal much.
To prevent unauthorized access to chip data, banks recommend shielding the card (putting it in foil or in a briefcase), and it is easier for technology opponents to refuse the chip (turning it off if possible) or damage / remove it.
But in general, shopping with PayPass and payWave is a pleasure, it's speed, security and ease of use!
Recently plastic cards entered our everyday life, and now there is alsocontactless cards. They use a new technology in payment systems calledpaypass. The system was created to speed up and simplify payments with Master Card and Visa cards. This technology can be applied to any cards, including magnetic stripe cards.
In the store, at the gas station and anywhere you can pay bank card, contactless cardswith PayPass technology will free you from signing checks and entering a PIN code. To pay, you just need to touch the card to a special terminal, then agree to the purchase. If the cost of the goods you have chosen is not more than 1000 rubles, the payment will be processed instantly - this is the property of contactless cards.
Traveling in transport, medicines in pharmacies and gasoline at gas stations, groceries in stores, using PayPass technology is easier and faster. The number of terminals is growing every day, as well as the popularity of the system. PayPass cards first appeared in the USA, and today they are used in more than 40 countries around the world.
Advanced technologies provide such advantages:
The only drawback of the contactless payment system is that the amount of such a purchase cannot exceed 1000 rubles.
PayPass cards are issued only by banks that use Visa and Master Card payment systems. in information banking technologies involves the use of sufficiently large cash injections, technical base, competent specialists and time, and not all banks can afford it. Issuance of cards with PayPass technology is possible in banks:
Contactless cards have recently started moving in Russian , but their widespread use is expected. Obviously, it will become easier and more convenient for such special categories of the population as travelers, shopaholics and motorists to live. And the majority will like the ease of use, speed and security of cards with contactless payment technology. After some time, necessary to equip trading enterprises with terminals for contactless payments, a new round in the development of the convenience of electronic payments will begin.
Due to the presence of a micro-chip in the card with the connected PayPass system, you can, without handing it over to the cashier, bring it to the payment terminal yourself and pay for any purchase up to 1000 rubles without confirmation by a pin code. But in case of losing the card, this is fraught with theft of a large amount from the account with several completed purchases. After all, when paying with a card, the cashier will not even be able to read the name of the owner and make sure (at the request of the document) that the card belongs to this person. It is for these reasons that cautious cardholders are willing to disable PayPass.
Contactless payment system almost all modern international MasterCard and Maestro cards are equipped. This system is called PayPass. Another Visa card transaction service offers exactly the same technology, but with a different name - Visa payWave. Another format international cards American Express is equipped with a similar technology called Express Pay.
All banks that issue cards equipped with the PayPass function guarantee the protection of the card for their owner.
It is possible to terminate the activity of the contactless payment system in personal account bank by opening the functionality of the card with PayPass connected.
If your bank does not provide such an opportunity in your personal account, you can contact the bank branch that issued you the “plastic” with a statement about blocking PayPass or changing the card to a new one without the possibility of making contactless payments. A passport is required to apply.
