Step-by-step instructions for working with Apple Pay: how to use and make payments. What to do if the card is not added to Apple Pay Does Apple Pay work with the world card

How to connect Apple Pay in Sberbank - a question that worries many Russians now. The unique possibilities of a progressive method of paying for various goods and services - with just one device - attracted the interest of owners of smartphones and other company devices.

Owners of Apple gadgets can now experience the possibilities payment system from your devices

Let's look at all the nuances of the service and how to connect the application. The service works the same with different banks, but the leading bank in the country has its own differences:

supports 2 systems Visa and MasterCard for now, and the Russian MIR will be connected later;
You can attach plastic in the traditional way, as for most other issuers - through the Wallet program;
Only the leading credit institution of the Russian Federation offers the second connection option - through its own service.

How to connect

Activation of the service occurs in three in simple steps

What will it take? To carry out the operation you need:

devices capable of supporting this payment method (a list of gadgets can be found on the website of the banking institution);
presence and activation of the Touch ID scanner;
through “Settings” on your own gadget, log into iCloud by entering the identifier;
any credit or debit product (except Maestro and Electron).

The advantage is the ability to connect up to 8 payment instruments, and the binding procedure must be carried out for each one separately.

On iPhone

The most popular gadget of the famous company among Russians is the smartphone. Thanks to its popularity, making payments using a smartphone and contactless technology has become very simple: just bring your smartphone to a terminal that supports NFC technology, and money will be instantly debited from your account.

How to connect Apple Pay Sberbank on iPhone? The connection can be made in two ways: through the service or through the iOS application. It is worth remembering that not all smartphones are equipped with an NFC chip: only the latest models have this functionality.

The service has already been appreciated in some countries around the world and users are very satisfied

Let's look at how to connect Apple Pay through Sberbank Online. The order is as follows:

in the shop App Store find and download the right application;
register using your ID (Mobile Bank must be connected);
go to the service and select the desired card account;
Click on “Connect to iPhone”.
connect to Wallet;
click on “Add to Phone”;
accept the terms of the agreement;
completion of the operation will be indicated by a change in status.

Now let’s look at the connection option via Wallet:

go into the program and click on the “Add payment card” item;
when prompted, enter the security code;
click “Next”;
after the issuer gives permission, click “Next” again;
After that, you can pay for purchases and services using your smartphone.

The service is not supported by all absolutely Apple devices, here is a complete list

Apple Watch

If you plan to connect contactless payment to " smart watch", then the payment instrument will need to be linked to this device. The instructions for this gadget are the same as for connecting the plastic to a smartphone. The only difference is the point where you need to select the gadget on which the payment system is installed. Instead of “Connect to iPhone” you need to select “Connect to Apple Watch" And then proceed as in the previous case.

The payment process is convenient and fast

Another option using the iOS app:

open the “smart watch” option on your smartphone;
click on “Wallet and Apple Pay”;
click on “Add card”;
when connecting a card linked to an iTunes account, enter its security code;
if you need another banking product, click on the “Add another card” item and enter its data using the camera;
After checking, click “Next” again, and you can pay for purchases using your smartwatch.

iPad

As you know, enabling Sberbank’s Apple Pay is also available on iPad tablets. The algorithm differs little from installing the function on smartphones and smartwatches:

in the settings, select “Wallet and Apple Pay”;
to add a card (previously connected), enter the security code;
if the bank needs to additionally check the plastic, it will be requested Additional Information;
After checking and changing the status of the product, you can start using the functionality.

How to link a Sberbank MasterCard to Apple Pay (video)

Conclusion

Contactless payment technology is coming into our lives. Already 3 leading manufacturers have joined in making payments using NFC technology. By connecting any debit and credit card of the largest banking institution in the Russian Federation (except Visa Electron and Maestro) to the NFC system of a well-known manufacturer, you can comfortably make any payments.

Contactless payment service Samsung Pay became available to owners of MIR plastic cards. Currently, the project is operating in test mode and is limited to the support of Russian issuing banks Otkritie, Rosselkhozbank, Center-Invest and Chelidbank.

According to the General Director of the National Payment Card System Vladimir Komlev, the connection of MIR cards was only a matter of time. The list of banks supported by Samsung Pay that issue MIR cards will be expanded at the beginning of 2018. It is at this time that the full-scale implementation of the project is planned.

How to add a MIR card to Samsung Pay

Find Samsung app Pay on your device. If it is not there, then download the program from Google Play. Launch Samsung Pay;
In the main menu of the application, click on the map image and select “Add”;
Take a photo of the card or enter the information manually. Click "Next";
Accept the Samsung agreement and the bank agreement;
A one-time code will be sent via SMS to the phone number specified in the bank. Enter it in the window that appears and click “Submit”;
Enter your signature using your finger or stylus and tap Done. A signature may be required if the store cashier wants to compare the signature on the card and on the receipt;
Add your fingerprint or PIN to verify purchases.

Ready! You have added the MIR card to your Samsing Pay account.

Until recently, debit cards that supported the contactless payment system carefully shocked both the sellers dispensing goods at the checkout and the buyers crowding in line, but now smartphones and watches are attached to payment terminals, and no one will ask any questions!

The world has changed - problems with leakage of confidential data have been resolved (plastic card numbers are now hidden behind the indestructible password of a smartphone that supports Touch ID or Face ID), there is no longer a need to carry a bunch of small change in your pocket, and in Pyaterochka and Magnit there is a card of discounts and offers you don’t have to look in your wallet, all information is available in the virtual Apple Wallet. Pay by card with Apple Pay. it became more convenient. Shopping has become more enjoyable and safer.

What is Apple Pay?

Apple Pay is a technically advanced contactless payment technology based on NFC (“near field communication”) technology and using the functionality of the top-secret and highly secure virtual Wallet storage, where you can add credit, discount, bonus, prepaid and debit cards, as well as tickets to movies and coupons, and then use them for secure payment at terminals, box office or online.

The main idea of Apple Pay on iPhone and other devices is the ability to create a virtual wallet once and forever forget about the need to carry a bunch of unnecessary things in a backpack or bag. Everything is always at hand - you just have to figure out how to use Apple Pay.

In addition to convenience, Apple Pay also offers the maximum level of protection for confidential data: information about cards added to the system cannot be removed without the appropriate access rights, which only the owner of the smartphone, tablet or watch has.

On what devices is the technology available?

Pay for purchases with using Apple Pay is allowed on Apple products that support NFC technology. The list of devices is as follows:

Cards that work with Apple Pay

The first launch of Apple Pay technology took place back in 2014 in the United States. It was there that the service was tested from all possible sides, and everyone was satisfied. And banks interested in the opportunity to provide clients best service and modern capabilities, and users who have stopped worrying about security. 2 years later the technology reached the CIS. And, oddly enough, the new product was well received in Russia - all available banks, shops and shopping centers, payment systems and even taxis immediately became active! As a result, you can pay for purchases in the following ways:

Step-by-step instruction

It is worth immediately understanding the little things. Apple Pay is a technology that allows you to make contactless payments using debit, credit and any other cards added to the virtual storage, Apple Wallet.

Storage usage differs depending on different devices, and therefore – about everything in order:

IPhone

On smartphones, working with Apple Pay begins by searching for the corresponding Wallet shortcut located on the desktop;
In the menu that appears, click the plus sign located in the upper right corner;
Accept all conditions and requirements, and agree with the necessary processing of card data;
Scan the card or enter the required information manually;
Wait until the device contacts the bank and gives the green light to add Apple Pay to Wallet. Processing information, for example, at Sberbank, takes no more than 2 minutes;
If processing is completed successfully, a miniature of the card with encrypted data will appear in the Wallet section. All that remains is to choose what item you need to pay for with this card (Sberbank, etc.)!

iPad

Apple Watch

Setting up Wallet starts from the “My Watch” tab (the corresponding shortcut is available on the desktop);
In the “Wallet and Apple Pay” section, you need to repeat the procedures for adding a card described above - again the already familiar scan of the card, waiting and direct interaction;
By the way, if necessary, you can activate the synchronization of data received after paying with Apple Pay between your watch and your smartphone.

Mac

And again, no revelations - find " System Settings", then the "Wallet and Apple Pay" section, enter your card details, wait for a response and start using it. The described method is only suitable for MacBook Pro with Touch ID fingerprint scanner.

For the rest of the equipment you will have to activate the payment option in the browser with using iPhone(in Wallet settings, check the box next to “payment option on Mac”).

What to do if the card is not added?

If for some reason the methods described above did not work, you must check whether the following requirements are met:

Are you logged into iCloud and Apple ID?
Whether Face ID or Touch ID is set up;
Has a password been selected, if no other authorization method is used;
Does the card, bank, or issuer support Apple Pay?
Are there any regional restrictions in the host country (for example, in Japan you can only use Apple products purchased directly in the country for payment, and in Italy you cannot count on most banks when paying online).

How to shop. How to use

The payment process on different devices (quite expectedly) occurs in different ways:

Why does not it work. Possible causes and solutions

If for some reason Apple Pay contactless payments stop working on smartphones, tablets, watches and computers Apple, which means it’s time to sort out the small details. You should start checking with a simple one, and then move on to the most complex:

First of all, it is worth checking whether the technology is available in the current country (or region) of residence. You should look for relevant information on the company’s official website -;
The second step is to figure out whether your smartphone, tablet, or other device really supports Apple Pay. In the same way, you need to check whether the cards of the selected bank are suitable for adding to Wallet. If not, then you can immediately forget about contactless payment;
In some cases, Apple Pay does not work with MasterCard cards issued by certain mobile operators, in case of incompatibility with the SIM installed in the smartphone. For example, if a Megafon card is selected, then the SIM must be looked for from Megafon, otherwise problems may arise due to incompatibility;
Now we have to work with the equipment. Activate Touch ID and be sure to enter the password. If Face ID is supported, you need to add a face to quickly confirm your identity. It is important to immediately check whether the card is added to the “Wallet and Apple Pay” section in “Settings”. And does the section function in principle? Having problems? It’s better to immediately reboot the device and try again a little later - this happens when setting up the technology for the first time. In addition, you should immediately update iOS, WatchOS and MacOS (just in case). Sometimes some Apple Pay payment scripts simply don’t work due to problems with the operating system;
If the “Connection failed” error occurs during payment, then you need to erase the device settings. Namely, look in the “Basic” section, go to the “Reset” item, and select “Reset all settings” (it is better to take care of creating a current one in advance backup copy, from which you can restore all data if the error cannot be corrected regular means). Then all that remains is to reboot and check the NFC technology again (with the check, most likely, the main difficulties will arise - you will have to turn to payment terminals, which can only be found in stores). If resetting the settings did not help solve the problem with Apple Pay, your last option is to contact service center. Most likely, the NFC chip has stopped working, and there is no way around it without proper repairs.

Most recently, Sberbank announced the launch of Apple Pay for its clients. The payment service became available with the release of an updated version of the Sberbank-Online mobile application. The largest Russian bank became the first partner of the Apple corporation in Russia to launch Apple Pay.

Payment service Apple Pay Sberbank is a safe and innovative way to pay for your purchases in stores, mobile applications and on the Internet. To do this, you need a device that supports NFC (Contactless Payment Technology) and Apple Pay technologies.

Now you can use your iPhone and Apple Watch to conveniently pay for purchases in seconds with one touch. To do this, just link your current Sberbank bank card to Apple Pay in the app.

In this review we will look at questions that interest many:

Methods for connecting Apple Pay Sberbank.
How to use this technology.

Devices that support Apple Pay

First, let's clarify which IPHONE models support Apple Pay. You can connect the following devices that support NFC technology:

Smartphones: iPhone 8 and X, iPhone 7 and its PLUS version, iPhone 6s, 6s+, 6 and 6+, iPhone SE.
Tablets: iPad Pro 12.9 inch, iPad Pro 9.7 inch, iPad Air 2, iPad mini 4, iPad mini 3.
Watch: Apple Watch first and second generation.
Netbook: Mac Safari browser 2012 and newer.

In general, almost all new iPhone models and other Apple gadgets produced after 2016-2017 support NFC and, accordingly, Apple Pay.

How to connect Apple Pay in Sberbank

Currently, only MasterCard and VISA payment system cards can be added to Apple Pay. It is not yet possible to attach WORLD cards, but Apple promises to fix this in 2018.

So, you can connect your current Sberbank card to Apple Pay in two ways:

Via mobile bank "Sberbank-Online"
Directly via Wallet app from Apple.

To connect the service through the Sberbank-Online mobile bank you need to:

Log in to the Sberbank-Online mobile bank
In the “Cards” section, select a Mastercard card and select “Connect Apple Pay” from the menu.
Next, add the card by clicking the “Add to Apple Wallet” button.
Next, you accept the “User Agreement” and that’s it. Map added!

The advantage of adding a card through Sberbank Online is that you do not need to manually add card details or scan it.

Watch a video on how to connect Apple Pay through mobile banking.

Now let's see how to add a card through the Apple Wallet app:

Go to the Wallet application.
Select “Add card”.
We scan the card or enter the card details manually (Please note that if you have a Momentum card, then you can enter NO NAME in the name column).
Next, you will receive a card activation code from Sberbank, which you must enter in the application. After completing these steps, your card is available for payments.

To add a card to Apple watch Watch, you must first set a password on the watch, then add a card through Sberbank Online in the same way as for an IPhone.

How to use Apple Pay Sberbank

After adding a card, you can manage cards through the Wallet application, which allows you to view the latest transactions made through Apple Pay, as well as link and unlink the card, i.e. you can configure Apple Pay only through the Wallet application. View balance or other important information on your account is only possible in Sberbank Online.

So, you have successfully linked your Sberbank card to Apple Pay. Now let's look at how to make a purchase.

When paying, pay attention to the terminal screen or stickers on it. If you see the words PayPass, PayWave or the NFC icon (as in the picture below), then you can safely pay with Apple Pay. Now in Russia, most terminals, especially in large cities, accept NFC contactless payments.

To pay at retail outlets, you need to open the Wallet app and bring your iPhone to the terminal while placing your finger on Touch ID. After your fingerprint is recognized, payment will be authorized. If the purchase amount is up to 1000 rubles, then, as a rule, you do not need to enter the card PIN code.

Also, instead of a fingerprint, you can set your own PIN code, which you can use to confirm purchases. For security reasons, it is not recommended to set a PIN code similar to the PIN code from the card or the main PIN code of the device you use to unlock it.

In addition to offline retail outlets, you can already find many online stores that accept payments through this service. Here the principle of making a purchase is as follows:

On the online store website, select a payment method
Next, you will receive payment confirmation on your iPhone.
Verify using Touch ID

That's it, the purchase is complete!

Apple Pay payment security

In conclusion, an important question from many: “Is Apple Pay secure?”. Most experts are confident that using Apple Pay is safer than paying with a regular bank card.

First of all, due to the fact that your fingerprint is required to complete the transaction. That is, even if you lost your phone, the attacker will not be able to pay using Apple Pay.

Secondly, your data is not transferred to Apple, but is stored only on your device in encrypted form. In addition, when paying for a purchase, your card information is not transferred to the seller. The seller does not receive your card details, but a unique identifier and a specially generated dynamic security code, which is unique for each transaction. Thus, neither an unreliable seller nor attackers who intercepted payment data will be able to use it for fraudulent purposes.

How to connect Apple Pay?

To set up Apple Pay, your device must have a Touch ID fingerprint scanner. The device must also be logged in account iCloud*.

Please note: To set up Apple Pay, you will need an internet connection.

To connect Apple Pay, you need to add a Sberbank card to the Wallet application on your device:

Open the Sberbank Online application.
Go to the card page, click on the “Connect Apple Pay” or “Connect on iPhone” button.
Follow the instructions to add your card to the Wallet app on your iPhone. You don't need to scan bank card and enter codes from SMS and personal data.

mobile bank
Open the Wallet app.
Tap the plus icon in the top right corner.

Apple Watch

Open the Sberbank Online application on your iPhone.
Go to the card page, click on the “Connect Apple Pay” or “Connect on Apple Watch” button.
Follow the instructions to add your card to the Wallet app on Apple Watch. You do not need to scan your bank card and enter codes from SMS and personal data.
After connecting, the card status on home page Sberbank Online applications will change.

Make sure your mobile bank is connected to your card
Open the Apple Watch app on your iPhone.
To add a credit or debit card associated with your account iTunes recording, enter the security code for this card. Or select "Add another card" and use the camera to enter the card details.

Make sure your mobile bank is connected to your card
Go to Settings.
Tap Wallet & Apple Pay and select Add a Credit or Debit Card.
To add a credit or debit card associated with your iTunes account, enter the card's security code. Or select "Add another card" and use the camera to enter the card details.

Note: iCloud is Apple's Internet service. To sign in to iCloud, you need to go to the Settings app on your device and enter your Apple ID.

What is Apple Pay?

Apple Pay is a convenient, secure, and private way to pay for purchases in stores, in apps, and online. Apple Pay works very simply - all you need is the device you use every day. Your card details are securely protected because they are not stored on the device and are not transferred anywhere during payment.

What devices does Apple Pay work on?

Apple Pay works with iPhone 6 and later in stores, apps, and websites in Safari; with Apple Watch - in stores and in applications; from iPad Pro, iPad Air 2, iPad mini 3 and later - in applications and on websites; and from a Mac in Safari with an Apple Watch or iPhone 6 or later with Apple Pay. Full list devices specified

Apple Pay supports the following Sberbank debit and credit cards:

Debit:
Visa Classic
Aeroflot Visa Classic
"Youth" Visa Classic
Visa Classic with individual design
Visa Gold
Aeroflot Visa Gold
Visa Momentum
Visa Platinum
Visa Infinite
Visa Signature Aeroflot
“Give Life” Visa Classic
“Give Life” Visa Gold
“Give Life” Visa platinum
World Mastercard Elite Sberbank First
Mastercard World Black Edition Premier
World Mastercard "Gold"
Mastercard Platinum
Mastercard Gold
Mastercard Standard
Mastercard Standard Contactless
Mastercard Standard with custom design

Mastercard Standard youth card with individual design
Mastercard Standard Momentum
Visa Electron

Credit:
Visa Classic
Visa Gold
“Give Life” Visa Gold
“Give Life” Visa Classic
Aeroflot Visa Gold
Aeroflot Visa Classic
Visa Momentum
Visa Signature
Mastercard Gold
Mastercard Standard
Youth card Mastercard Standard
Mastercard Credit Momentum

How much does it cost to use Apple Pay?

Apple Pay is available at no additional cost.

Where can I pay with Apple Pay?

You can pay for purchases using Apple Pay wherever contactless payment with Sberbank cards is provided, as well as in mobile applications and on the Internet - wherever there is a “Buy with Apple Pay” button or Apple Pay in the list available ways payment.

How to pay for a purchase in a store using an iPhone?

To pay in store, bring your iPhone to the terminal with your finger on Touch ID. After fingerprint recognition, payment is authorized. The terminal will report the successful completion of the transaction. Always check the terminal to make sure the payment went through. For transactions worth more than RUB 1,000, you may be asked to enter a PIN code on the terminal.

Important!

How to pay for a purchase in a store with Apple Watch?

Wear your Apple Watch on your wrist and enter your passcode. To pay, double-click the side button on the watch, select a Sberbank card and bring the Apple Watch display to the terminal. The terminal will report the successful completion of the transaction. Always check the terminal to make sure the payment went through.

Attention! Do not tell anyone your password.

How to pay in mobile applications and on the Internet?

When checking out, look for the Apple Pay icon. Tap the icon to check your payment information and contact details. Then place your finger on Touch ID or double-click the side button on your Apple Watch to complete your purchase. You will see “Done” and a checkmark on the screen - this means that the payment was successful.

Important! Don't let anyone, including your family, register your fingerprints with your Apple Pay-enabled device.

Do I need an internet connection to pay for purchases with Apple Pay?

No, you don't need to be connected to the Internet to pay for purchases in stores with Apple Pay. Your device interacts with the terminal using NFC contactless technology.