The active development of innovative technologies has also affected banking sector. Plastic cards successfully replace the press of banknotes, while there is no need to calculate how much cash you need to take with you. Many citizens do not even know about the PayPass system: what it is, how to use the card, its options. A third of the card users do not understand why the Wi-Fi sign is drawn on the card, as well as how the functionality itself works.
PayPass contactless payment technology is a special system that allows you to make payments of a certain denomination without a card. To do this, retail outlets are equipped with multifunctional readers for servicing such devices.
Here it is important to convey to the majority of the population the convenience, reliability, ease of use of this option. Paypass contactless payment technology allows you to make settlements with the seller of goods or services in a matter of seconds. In the future, this will pay off the owners by increasing the segment of the market of loyal users.
The beginning of the system pay pass takes in 2003. Initially, the first copies were used only as test options. But since 2005, the mass release of this card product to the world markets began, and in 2008 they appeared in Russia.
The official representative of the technology is MasterCard.
This is a European company that issues all cards under the MasterCard brand. It is planned in the near future to introduce coverage with terminals for servicing contactless payments throughout Europe, including Eastern.
Potential owners of terminals with the function of reading information from microchips can be:
The ability to carry out settlement operations instantly will significantly reduce queues in these organizations. This, in turn, will allow you to serve more customers and increase your daily profit. That is why it is worth investing once in the purchase of readers for Pie Pass devices.
Paypass technology is being actively introduced into society
A card with the PayPass function does not differ much in appearance from a regular plastic card. A special chip built into the card is responsible for providing the functionality. Trading company is obliged to notify customers about the availability of terminals for servicing Pay Pass devices. This is done by placing a special sticker next to the cash registers for customers.
In addition to cards, contactless payment technology is applicable to key fobs, mobile phones, bracelets, and watches.
The fast payment device chip is based on the development of short-range information exchange technology. Such communication is carried out at high frequencies and is called near field communication (NFC).
This explains how the calculation system works when a high-frequency signal is applied to the Pypass device.
In addition to the chip, special stickers are also produced that have the same functions. It is convenient to stick it on the object that is most convenient for the client to use.
In the near future, progressive customers will be able to make payments using their mobile phones. The proper level of security is ensured thanks to the EMV system - Europay, MasterCard, Visa, as well as the MDES service - MasterCard Digital Enablement Service. Let's consider them in more detail:
NFC technology is also used in large-scale public events. To identify event participants, they provide bracelets with embedded chips. Passing through the turnstiles, the participant passes the registration quickly and conveniently.
A bank card with the Paypass system is issued in a standard way
Many customers are puzzled by the question - how to connect paypass. You don't need to make any special efforts to do this. All you have to do is contact a service technician. individuals in banking institution. So far, not all banks are ready to provide such a service as a card with the function of contactless reading of information.
Before going to the bank for registration Pei maps The pass will not be superfluous to find out on what conditions it is provided this option. This will avoid many misunderstandings in future maintenance.
A package of documents will be required as for a regular bank card:
If this is the first visit to financial institution, then you will need to provide the originals of all required documents. However, if the client is already served by the bank, then additional documents will not be required.
So far, not all banks have the opportunity to offer their customers such a service. Below in the table we will consider the main tariffs for the service:
|
Name of the financial institution |
View banking product paypass | Issue cost |
Service per year |
|
Sberbank |
classic debit card | is free |
750 rubles in the first year, 450 in subsequent years |
|
Raiffeisenbank |
my alpha | is free |
699 rubles per year |
|
Alfa Bank |
buy and fly card | not charged |
3000 rubles |
|
Moscow Industrial Bank |
Fresh card WORLD | no release fee |
99 rubles per month |
|
Tinkoff |
S7-Tinkoff | no release fee |
1890 rubles per year |
Basically, a separate fee for the PayPass functionality is not charged; the cost of annual maintenance already includes the release of a special chip. You can order a card without even leaving your home by filling out an application on the website financial enterprise. AT big cities many banks can provide a mobile banker for home service. It will take about two working weeks to produce a personalized card.
Chip card payments are considered safer than magnetic stripe payments.
Many service owners are interested in how to use the functionality safely, since fraudulent transactions are not uncommon in our time.
To protect customers from downloading Money from a contactless card, a limit is set without a PIN code - no more than 100 rubles per transaction.
Therefore, if a card is lost or stolen, it is important to immediately block the account. For most customers, after making a payment by card, they instantly receive an SMS about the debiting of resources from the card. Thanks to this, other people's spending on the map can be noticed quickly. Transferring the card to third parties is strictly prohibited.
The security of the operations themselves today is at the proper level:
It should be remembered that any chipped items should not be stored near TVs, computers and any other equipment that emits frequency vibrations. So the device quickly demagnetizes, ceasing to function. In most cases, the reissue of the card will be paid, since its validity period has not yet expired.
There are situations when a client decides to stop using the Paypass service. In this case, there is a need for the correct procedure for disabling the functionality. How to deactivate the service will be correctly prompted by a specialist of a banking institution.
When it is not possible to personally visit the office of the company, you can disable the service through your Personal Area. Also, some banks provide customer service by phone. To do this, you need to call the bank's hotline, following the further instructions of the specialist, confirm your intention.
Paypass system has more pros than cons
Like any progressive product, the PayPass option has both positive and negative qualities. Each client individually decides on the benefits of such a service. Consider the main advantages:
Among the shortcomings global problem there remains a limited number of businesses that use terminals to accept contactless payment devices for purchases. The equipment is expensive, so not every owner can afford to install this innovation.
AT modern society payment by card is considered a fairly everyday procedure. However, contactless payments have not yet acquired the status of everyday. The trust of the population has not yet grown enough to massively use the Paypass service for daily payments in trade organizations.
The world-class popular payment system MasterCard launches contactless plastic cards.
With their help, the owner can pay for any purchase with one touch of POS-terminals. VTB Bank offers its customers to order debit and credit cards with PayPass technology.
One-touch cashless payments are accepted at all outlets equipped with POS-terminals. MasterCard cards with PayPass technology from VTB have a chip platform and more a high degree security than plastic cards with magnetic stripes.
VTB Bank offers customers the production of debit cards and credit cards with two service interfaces - with a magnetic stripe and a contactless chip that transmits data without contact with the payment terminal.
The advantages of cards with contactless payment technology for purchases include:
If the transaction price does not exceed 1 thousand rubles, the client, as a rule, does not need to enter a PIN code into the POS terminal. If the purchase is more expensive, for security reasons, the cardholder will need to confirm payment for the goods or services.
If you have a plastic card that does not have contactless technology, you will not be able to install PayPass on it. The client can order the production of a new card with a chip that allows you to pay with one touch of the POS-terminal.
Choose the tariff you are interested in and study the terms of its service. For example, VTB customers can order the production of a Muscovite's social card MasterCard Standard and debit card MasterCard "Super3" with built-in transport application"Troika", working with PayPass.
If you are not sure whether it is possible to issue a contactless card, check this information with a specialist by contacting VTB Bank or by calling the call center.
It is not possible to disable the contactless payment method. If necessary, the client can replace the card with a new one with one service interface.
Cards with contactless payment technology differ from conventional ones in that they can be used to pay for goods at the checkout instantly, with one touch. One has only to bring the card to a special reader - the purchase has already been paid! Fiction? Not at all.
It's just that a chip and an antenna are built into such cards, thanks to which information about the payment is transmitted to the terminal. Such a novelty will undoubtedly please those for whom time is money. After all, now you don’t have to give the card to the cashier, and if the cost of a product or service is less than 1000 rubles, you don’t need to sign a check and enter a PIN code either.
There are contactless cards with payWave and PayPass technologies.
PayWave cards are cards payment system Visa, and cards with PayPass technology - MasterCard payment system. On this, in fact, the differences end, since the methods of their use are almost the same.
Both settlement and credit contactless cards are issued.
Spend contactless payment is possible in those places where there are Visa payWave or MasterCard PayPass logos. The purchase scheme is as follows:
If the payment is more than 1000 rubles, then you must additionally enter a PIN code or receive a check from the cashier for signature. But 1000 rubles is the limit for Russia. If you pay with a contactless card outside the Russian Federation, then you need to check the amount of the restriction with the cashier. In some countries, exceeding a certain limit, it will be possible to pay for the purchase only by contact method. But this should not be scary, because both Visa payWave and MasterCard PayPass, in addition to the built-in antenna, have a chip and a magnetic stripe.
Advantages:
— Record speed of the payment operation.
- No need to transfer bank card cashier.
- No need to enter a PIN code (up to 1000 rubles).
— Contactless cards are less likely to be subjected to mechanical stress, and, accordingly, wear out less.
- It is especially convenient to pay with these cards where speed is important, and the amounts are not very large: at gas stations, in cafes, in public transport.
- Can be used in conventional ATMs or terminals.
— Accepted in more than 30 countries.
Flaws:
The main obstacle to the full use of Visa payWave and MasterCard PayPass cards in Russia is the small number of outlets ready to serve them. Since contactless equipment is quite expensive, there is no hurry to invest in it.
Many customers are also put off by the uncertainty in terms of security. Fraudsters, like no one else, always keep up with the times. However, the payment systems themselves claim that contactless payments are securely protected.
While abroad, contactless transactions are already gaining momentum, in Russia there are still few banks issuing innovative cards.
PayPass technology allows the owner of a plastic card to pay for purchases in a contactless way. You do not need to enter a PIN code, as well as sign a check. The payment procedure in this way saves time and protects the client's account from erroneous payments and fraud. Features of PayPass technology and what it gives the client, we will consider further.
PayPass is from the USA. Initially, contactless payment technology was used in fast food establishments, but after connecting the largest banks in Canada and Japan, contactless payment terminals spread throughout the world. Today, the technology is used in a number of largest countries and throughout Europe.
In Russia, PayPass has been used since 2008 and only works with MasterCard and Visa. The cards were issued by the Moscow Industrial Bank. The main users of such “plastic” were students, for whom “plastic” replaced both a wallet and a student ID.
Today, the technology is widespread in large cities, and cards are issued by Alfa-Bank, Russian Standard, Tinkoff Credit systems" and a number of other organizations. The use of "plastic" is especially convenient where you want to save time: in cafes and restaurants, airports, gas stations, etc.
On the front side of the instrument with PayPass is a number of symbols: MasterCardPayPass and VisaPayWave. This makes it easy to distinguish such "plastic" from other types. The technology is not a connected service and for its application it is necessary to issue a separate card equipped with a chip.
Often the question arises "How to use?". The essence of the technology lies in the fact that a chip with an antenna is embedded in plastic. It allows you to pay for the purchase by holding the card to the terminal, without entering a PIN code. The terminal reads the information and transfers money from the account.
The possible purchase amount is up to 1,000 rubles. If the amount is greater, then a PIN code must be entered. This is a condition for the protection of funds. In addition, the technology will not allow you to pay twice, which is why the chip is turned off after the payment is made.
If there are several cards with similar chips in the wallet, then PayPass will only respond to one of them. For others, the procedure will be blocked. Why blocking is performed, an employee of the issuing bank can explain. Often, after an accidental stop of operations on the account, no further payments are made.
Pay Pass can be used abroad. At the same time, American Express is added to the two designated systems (Visa and MasterCard). There is only one condition for making payments - the bank that issued the "plastic" must have a certificate for accepting contactless payments.
"Plastic" compatible with contactless payment technology can be credit and debit. Tariffs are comparable to the usual ones, and the list of institutions where you can get such a service is located on the website of the PayPass system. Imagine a list of banks:
Separately, it is worth mentioning the "NFC-bank card Russian Standard". The tool is inserted into mobile phone and is a regular SIM card. Unlike other types, a mobile device is brought to the terminal.
To purchase the “plastic” of contactless payment, you should contact financial institution, issuing such a tool. The registration procedure in each bank is set individually, and the tariffs for use are indicated in the tariff plan. There are instant issuance cards and nominal "plastic".
The filing procedure is as follows:
A card can be issued free of charge if it is a classic "plastic". If the card is of the “Gold” (or Gold) level, then you will have to pay 1,000 or more rubles for the issue. In addition, there is a need to pay annual service. It is paid for any "plastic".
To pay using technology, you need to make money on a card deposit. You can replenish your account at any terminal of the corresponding bank, as well as through the cashier. After that, payments will be available in any institution that has certain equipment.
Payment for goods and services with a card with PayPass is possible only where terminals with similar functionality are installed. Most often, the partners of the system are large stores, restaurants, pharmacies, gas stations, subways and entertainment venues.
To clarify whether such payment is possible in a particular institution, you need to contact the system's website, where information about all partners is located. In the search form, you need to enter the city and category of the organization.
The technology has a number of advantages:
The disadvantages include:
Since PayPass is a technology being tested, it is often impossible to solve a client's problem urgently. Phones are posted on the system website hotline. The number is also indicated on the back of the "plastic".
There are also big questions about the security and reliability of payments. The sellers claim that the funds are under the complete control of the client. Of course, the antenna located in the Pay Pass chip works at a distance of 3-4 centimeters from the terminal, and the payment is made in 3-4 seconds. But when transferring money, you need to carefully monitor the procedure, because today there are devices like bluetooth that can easily connect to a payment and transfer money to another account. This procedure is simplified because you do not need to enter a PIN code.
A plastic card with a chip has the same terms of use as the regular one:
By following the advice of bank employees and the conditions for using cards with PayPass, you can easily and safely pay for purchases contactless. It is worth remembering that this payment method may have some service problems, so it is better to use cash.
One of the latest achievements in the field of card banking technologies– bank cards with contactless payment technology.
Bank cards with contactless payment technology, the so-called contactless cards, differ from ordinary bank cards in that they can be used to pay for goods at the checkout instantly, with one touch of the card to the reader.
One has only to bring such a contactless bank card to a special reader - and the purchase has already been paid. Such bank cards have a built-in chip and an antenna, thanks to which information about the payment is transmitted to the terminal.
Undoubtedly, this is convenient, there is no need to give a bank card (credit or debit) to the cashier, and when total cost payment of less than 1000 rubles - sign a check and enter a PIN code.
Currently, you can find contactless bank cards, technically implemented using two types of contactless technologies:
with payWave technology and
with PayPass technology.
Let's figure out the difference between these two contactless technologies - payWave and PayPass:
payWave contactless technology is used in bank cards of the Visa payment system, and
payWave contactless technology is used in bank cards of the MasterCard payment system.
On this, almost all the differences between cards with payWave and PayPass technologies end, since the technologies for their use are almost the same. Using contactless technologies payWave and PayPass, both debit (settlement) and credit contactless bank cards are issued.
So, for example, with PayPass technology, both debit and credit cards are issued:
Using Visa payWave and MasterCard PayPass contactless bank cards, you can make contactless payment in terminals of outlets with a logo:
What is PayPass contactless payment technology we have already considered in the material of this section:
for debit cards.
With these bank cards, you can make contactless payments using those readers that have logos:
Visa payWave or
MasterCard Pay Pass.
Step 1: First of all, check the payment amount entered into the reader.
Contactless payments can only be made up to a certain amount of money without authentication by the cardholder:
It is possible to debit money from your card and the amount is higher than the established limit, but in such cases, to complete the operation from the holder debit card Authentication by signing a check or entering a PIN will be required.
The payment confirmation method depends on the settings of a particular bank card set by the issuing bank. In some countries (for example, Germany, Austria, Russia), if the transaction limit for PayPass is exceeded, it is possible to confirm the transaction with a pin code, while in other regions this is not allowed. In this case, if the transaction limit is exceeded, you can make a payment using the usual contact method.
Step 2: Literally for a second, bring a contactless bank card to the display of the reader (you do not need to insert it inside the reader like a regular bank card if the limit set for the contactless card is not exceeded).
It is not even necessary to take the card out of the wallet, just lean it against the terminal. At the same time, the terminal reads the necessary data without contact.
However, the procedure will not work and the payment will not take place if there are other bank cards containing radiochips in your wallet, to which the reading terminal will also respond. These include, in particular, the Muscovite's social cards and the Yandex.Money plastic card.
Step 3: The fact of payment will be confirmed by a sound signal and an inscription on the display, after which the reading terminal is turned off (this excludes the debiting of a double amount of money).
This happens, as already mentioned, if the payment is less than 1,000 rubles (for Russia). If the payment is more than 1000 rubles, then you must additionally enter a PIN code or receive a check from the cashier for signature.
If you pay with a contactless bank card outside the Russian Federation, then you need to check the amount of the restriction with the cashier. In some countries, exceeding a certain limit, it will be possible to pay for the purchase only by contact method. But this should not be scary, because both Visa payWave and MasterCard PayPass, in addition to the built-in antenna, have a chip and a magnetic stripe.
Advantages:
high speed of the payment operation;
no need to hand over the bank card to the cashier;
no need to enter a PIN code (up to 1000 rubles in Russia);
contactless cards are less likely to be subjected to mechanical stress, and, accordingly, wear out less;
it is especially convenient to pay with contactless bank cards where speed is important, and the amounts are not very large - at gas stations, in cafes, in public transport;
you can use them in conventional ATMs or terminals;
accepted in more than 30 countries.
Flaws:
The main obstacle to the full use of Visa payWave and MasterCard PayPass contactless bank cards in Russia is the small number of outlets ready to serve them due to the high cost of contactless equipment.
Many customers are also scared off by the uncertainty in terms of the security of such cards, payment systems claim that contactless payments are reliably protected.
While abroad, contactless bank cards have already become commonplace, in Russia there are still few banks issuing such cards.
At the moment, contactless banking MasterCard PayPass can be issued:
