Each person is a cardholder of a particular bank. The absolute leader in issuing such means of payment is Sberbank. The owners of its products are all state, municipal employees, military personnel, employees of law enforcement agencies, and so on.
One of the new products offered by Sberbank is bank cards with contactless payment. It is necessary to understand the features of such means of payment, the possibilities of their protection and the risks that their use generates.
In general, it is not correct to talk about cons. After all, such products can be used like regular cards. That is, you can not use contactless payment.
The cardholder can always use the classic payment method. He can insert the card into the terminal and enter the pin code. The possibility of contactless payment is an additional feature that was created for the convenience of the plastic owner.
The question of how to disable contactless payment from a Sberbank card may become relevant.
It is important to know what to disable this option now impossible.
It was originally built into the map itself. Payment terminals are also designed for it. Therefore, this opportunity can simply not be used.
After all, this is an additional option, and not the only way to pay by card.
That is, a Sberbank card with contactless technology can also be used as a regular contact card.
Therefore, the question of how to protect a contactless card involves standard ways to protect information:
Payment systems keep up with the times and offer users modern ways payments that are safe and save time. Contactless payment technology has been actively developed. Visa has PayWave, MasterCard has PayPass, MIR has MIR Pay, American Express has ExpressPay, and China Union Pay has Quick Pass. For owners of "apple" gadgets provided Apple Pay.
All plastic media belonging to the Visa payment system, equipped with a special chip (provides support for Near Field Communication) and having a special icon on the front side, allow contactless payments.
For payment, you do not need to place the card in any device or swipe it to read the magnetic strip. It is enough to attach it to the reader or bring it up to a distance of 2-5 cm, it is not necessary to remove it from a wallet or case. Write-off of funds up to a certain amount occurs automatically, above the established limits, you will need to enter a PIN code.
Many cardholders have already appreciated the convenience of this payment method and are ready to use it on a daily basis. The amount on the account is blocked immediately, the actual write-off takes from a couple of seconds to several days.
The main goal of creating the technology is to speed up and simplify the process of paying for purchases, reducing the time of servicing one client. PayWave is based on the principle of radio frequency identification (RFID), an NFC chip is embedded in the plastic carrier, which ensures the transfer of information between the terminal and the card at a distance of up to 8 cm.
In Europe, the first contactless plastic appeared in 2005 (MasterCard became a pioneer), Visa introduced PayWave in the USA in 2007. In the Russian Federation, PayWave received active distribution in the fall of 2011.
Most Russian banks issue Visa cards with PayWave support (credit and debit). But not all products imply the presence of an NFC chip. Most often this applies to instantaneous and unnamed cards(for example, co-branded "Pyaterochka" from Post Bank). Previously, when ordering, customers could indicate whether they needed a chip or not, now its availability depends on the type of card, it is impossible to refuse.
Making transactions using PayWave is absolutely safe for a number of reasons:
For the average user, there are no significant differences; in fact, these are the same technologies. The difference is noticeable only when shopping abroad in local currency. Visa with PayWave converts through dollars, MasterCard with PayPass makes payments through euros.
Contactless is supported not only by classic plastic cards. Theoretically, an NFC chip fits into any device, making it a full-fledged payment instrument (smartphone, ring, key chain, bracelet, smart watch, etc.), and helps pay for small everyday purchases.
Majority Visa cards equipped with an NFC chip. But some banks imitate plastics without it. This applies to the momentary and the unnamed. Premium always supports PayWave technology.
A number of banks supplement cards with a special transport application, which allows you to pay for travel on public transport in one touch.
Debit or credit card Visa PayWave can be of the following types:
They differ in credit limit and set additional privileges, but all allow you to pay with one touch.
A phone based on Android (4.4 and above) and supporting Host Card Emulation can easily replace a card. Most new models (not older than two years) of the middle class and above support contactless (equipped with an NFC chip).
Special free programs NFCCheck, NFC Check will help to check its availability.
A list of smartphone models with PayWave is available at NFCWorld.com. For correct operation, you need the original firmware, an unlocked bootloader, you must not be root-rights.
You can pay for purchases in three ways:
No special configuration of the NFC chip is required, it works automatically when a gadget with similar technology is detected at a distance of up to 8 cm. The main thing is to activate this feature in the settings, it does not affect the battery charge.
Installing the application (let's look at an example Android Pay) involves a number of steps:
Android Pay has been operating in the Russian Federation since 2017, more and more banks support the application (Alfa-Bank, Tinkoff, VTB, Raiffeisenbank, Gazprombank, MTS-Bank, Rosselkhozbank). Android Device Manager provides protection.
If the gadget is lost, it allows you to block it remotely and destroy the data on the cards. If the smartphone is not active for 3 months, then the information about the cards is erased.
For the stable operation of the banking mobile application, it is necessary to update regularly. The process of linking a card depends on the bank.
The first ring with a chip to pay for purchases appeared in 2013 in the UK. Funds for the creation were collected on the Kickstarter crowdfunding platform. The first payment was made in 2016 at the Olympic Games in Rio de Janeiro.
At the moment, many options are being produced for different target audiences, Chinese manufacturers are gradually occupying a large part of the market. The ring is not just a means of payment, it simultaneously performs a decorative function. A number of models have special buttons for activation.
In the Russian Federation, such accessories are offered by Sberbank, MKB, Alfa-Bank, Rosselkhozbank. The cost is in the range of 1000-4500 rubles. Initially, the gadget does not contain personal information and can be used as a gift. Restrictions are often set (maximum balance 15,000, transaction amounts for reporting period up to 40000).
The main disadvantage of the ring is the easy access of fraudsters to the account in case of loss. Additional protection (like a smartphone) is not provided, you can block transactions only by calling the bank.
Despite the fact that zirconium ceramics is used for manufacturing, the accessory does not tolerate high and low temperatures and falls. In the future, when paying, it may not work.
According to Visa's forecast, by 2020 up to 20% of payments in the world will be made using such devices.
Visa was the first in 2007 to offer payment using a key fob, which is attached to the keys to a car or apartment. The size does not exceed a few centimeters, brand symbols are applied on the sides.
It is the world's smallest PayWave contactless payment solution. The range of the chip is small, no more than 5 cm. The amount of a single transaction cannot exceed $25.
Watches with NFC operate on the principle of a smartphone with a similar chip, replacing the contactless Visa card. To pay for purchases, synchronization with a smartphone is required.
The setup process varies by model. Payment is made through AndroidPay. The most popular models were Samsung Gear S3, Huawei Watch 2, LG Watch Sport and domestic Watch 2pay.
It is very easy to use gadgets from a PayWave card for payment and cash withdrawal.
With the map, we act as follows:
When using Android Pay, you just need to “wake up” the gadget and attach it to the reader. 3 payments are allowed without unlocking, then you will need to maintain a PIN code. If there was an unlock between them, then the counter is reset to zero. Google does not use information about maps connected to the service. A virtual copy is created in the system, information about real map stay on the servers.
When using a ring, you need to take into account the short range of the chip. When making a payment, you should not cover the gadget with free fingers, otherwise the signal may be lost.
When using a mobile application, you must log in (enter a password), if necessary, select desired card, attach your smartphone to the reader and confirm the payment.
Large Russian banks actively introduce the technology of contactless cash withdrawal. This can be done at all Tinkoff ATMs now, Sberbank plans to equip all terminals with special readers by the end of 2019. You need to act as follows:
The technology protects against capture of an ATM card, there is no risk of accidentally forgetting it in the device.
The technology is being actively implemented, but so far it does not work everywhere. A number of trade and service enterprises is in no hurry to install new payment terminals in order to save money.
Sometimes the signal does not pass for technical reasons. All cards retain the usual chip and magnetic stripe. There will be no difficulties with the transaction. The main thing is to remember the PIN code.
For the trouble-free use of NFC cards, it is advisable to follow a number of simple rules:
PayWave has a number of advantages:
There are also disadvantages:
Holders of contactless Visa cards speak generally positively about them. The use is simple, additional gadgets are connected easily, one-touch payments occur almost instantly, saving a lot of time.
Not satisfied with the lack of a full-fledged infrastructure, especially in small towns. Modern reading devices are not used everywhere. Often there are difficulties with signal transmission, you have to use the classic payment method. Despite the assurances of the developers about the absolute security of payments, sometimes unauthorized debits occur within the established limits, which are difficult to dispute.
Not all ATMs dispense cash in a contactless way, even if stated to do so. At this stage in the development of technology, it is impossible to completely refuse to wear plastic, you have to carry it with you just in case.
Visa payment system offers a simple and secure way to pay for everyday purchases, saving time. It takes a few seconds to complete a transaction in Visa Payment. It is enough just to attach a card, smartphone or other gadget equipped with an NFC chip to the reader and wait for a beep. PayWave technology is thought out to the smallest detail, applicable to all types of cards from Classic to premium.
It is impossible for the card data to fall into the wrong hands, double write-off technically impossible. It is easy to turn a smartphone, smart watch, NFC ring or a special keychain into a full-fledged means of payment, it is not necessary to carry plastic with you.
Most domestic banks plan not only to support the new technology, but also to install ATMs with the possibility of contactless cash withdrawal. The leaders are Tinkoff Bank, Sberbank and Alfa-Bank. PayPass, PayWave, and Apple Pay are essentially the same.
The 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 for the Visa payment system and ExpressPay for 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, Petrokommertsbank, 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 with 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 by cards based on these payment systems is possible on 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 the data of the chip, banks recommend shielding the card (putting it in foil or in a briefcase), and it is easier for opponents of the technology 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!
The question of how to pay for your purchases with a contactless card has become relevant with the expansion banking technologies. Contactless payment entered our lives relatively recently, but all new cards in large Russian banks (for example, Sberbank) are already being issued with the ability to pay for purchases with one touch.
The one-touch payment technology is called differently by different payment systems, but, in essence, it has the same principle. PayPass for MasterCard or payWave for VISA is a contactless payment method implemented using a chip that transmits a radio signal to the terminal and allows you to make payments without direct physical contact and entering a pin code (for purchases up to 1,000 rubles).
The convenience of this method is difficult to overestimate. First of all, the absence of the need to make physical contact prevents premature failure of the card. The ability to only touch the device, and not insert the whole card there, allows you to use it much longer, because the chip is thus not damaged.
In addition, using this payment method is extremely convenient for making daily small purchases, such as lunch at a cafe or grocery shopping. In the store, you no longer need to hand over the card to the seller, spend time entering a PIN code, counting cash, etc. – payment is instant and safe.
At the moment, new-style terminals are being actively introduced in Russia, and you can already pay for a purchase or service even in small grocery stores or provincial hairdressers. However, in remote settlements, cardholders are most often deprived of such an opportunity. The card allows you to make payments in the usual way, so there is no loss for the owner here.
Many of those who have not yet had experience with contactless payment cards are wondering how exactly to apply the card to the terminal? Where exactly should you bring it? The answer is simple: there is no difference in which side to apply the card to the terminal. The radio wave transmitter is capable of picking up a signal at a distance of up to 10 cm, however, in order to avoid interrupting the operation, it is still recommended to bring the card close or apply it to the reader.
Of course, using a card with contactless payment is extremely convenient and fast. But what about security?
On the one hand, you do not need to hand over the card to the cashier once again, you do not show your card password once again, and in general, transactions take place in record time, so attackers are less likely to take you by surprise. But what are the disadvantages of this method?
Important! The downside of the record speed of contactless payment is that you can make small purchases from it without a pin code. An attacker who falls into the hands of such a card can even indefinitely (or rather, until the end of the funds on the victim’s personal account) pay for purchases without knowing her password. But you can catch on and block the account far from immediately.
This problem is partially solved by mobile applications of banks. They allow you to set a limit on the amount of contactless payment for a specific card and instantly block the account if it is lost.
In addition, the disadvantage of such cards is their relative fragility. They cannot be bent and water should not get on the chip - there is an antenna in the "plastic", which is easy to damage.
Otherwise, a card with contactless payment wins over conventional cards in terms of convenience and speed of transactions, and with due care and reasonable use, the owner may never encounter its shortcomings, but everyone will definitely appreciate the advantages.
. . The date: September 21, 2014. Reading time 4 min.
It is enough to bring the card and make a payment without entering a PIN code. What else besides the simplicity and convenience of calculations attracts so much in this technology that it is used not only by banks, but even Apple company embeds in iPhone? New from Visa and MasterCard - contactless plastic cards designed to facilitate communication between customers and payment terminals.
Paying with one touch is possible today with the help of bank cards issued using PayWave (Visa) or PayPass (MasterCard) technologies. How it works and what benefits this payment technology brings to the owner banking plastic?
A transmitter is built into the card, and a signal receiver is built into a special terminal, so there is no need for direct contact between the bank plastic and the payment device. Such a contactless card must still contact the payment POS terminal, but only once. Moreover, it does not need to be handed over to the cashier or seller, there is no need to insert it into the terminal or enter a pin code for transactions for small amounts. It is enough to bring it closer to the device and wait for a sound signal about the operation.
Pros of contactless cards:
Each bank has its own conditions for providing contactless cards, so other benefits may apply to a specific type of plastic. Let's see what options for such cards Russian banks offer us.
A year ago, not many banks offered their customers the opportunity to get cards using PayWave or PayPass technologies, but now there are plenty to choose from. Let's compare the conditions of just three contactless cards from the whole variety of these innovative and so far unusual for domestic market products.
The classic version of a credit card, but with the function of a travel card - pay for travel in the Moscow metro with this contactless card. A small limit, but there is an opportunity to avoid service fees with its active use. Differentiated interest rate - from 15% for the first 3 months of using the loan to 24% per annum if the card debt is not repaid for more than six months and the borrower pays only minimum payments.
This credit card is favorably distinguished from competitors by the presence of grace period when withdrawing cash. But interest rate outside the grace period, it may not please, hell and the size of the service fee is more substantial than that of competitors for similar offers.
Large credit limit, which can be accessed upon presentation of additional documents to confirm solvency. The ability to use a credit card for free with a sufficient level of turnover on the card. However, somewhat inflated rates and a wide range of them, as well as the extension of the grace period only to non-cash purchases, somewhat spoil the picture.
