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Apple Pay in Russia: everything you need to know about payment service Apple

Thus, Russia earned payment system Apple Pay. The first time the service will support only issued Sberbank cards in November and joined the other banks. On how the new service works, how safe and what are the prospects of the payment service Apple later in our article.

To pay for your purchases using Apple Pay are iPhone 6, iPhone 6 Plus, iPhone 6s, iPhone 6s Plus, iPhone 7, iPhone 7 Plus, iPhone SE and the Apple Watch. Owners of iPhone 5, 5s or 5c may pay when using a “clever” hours of Apple. Also be sure to have a debit or credit card of Sberbank payment system MasterCard.

How to connect

In order to connect an Apple Pay need to open on iPhone a regular Wallet, where traditionally stored credit card numbers, and card shops, movie tickets, coupons, etc When you first enter the program will ask you to enter a password from Apple ID — feel free to enter it and proceed. As soon as the authorization passes, the user will encounter an information window prompting you to pay using Apple Pay. The bottom will be a button “Add payment card”, which you should click.

Then the app will activate the camera and offered to take a picture of the map to add it to the electronic wallet (if the room is dark or the option of user just not satisfied, you can enter all the data manually). The next step will be authentication of the card: you will receive an SMS from Sberbank with a special password that must be entered in the appeared window. If everything is correct, Wallet will write “Card is activated. MasterCard Standard card is ready for Apple Pay”.

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There is another, more simple way of connecting the cards, which is suitable for users of the mobile application Sberbank. They just go to the app “Sberbank online”, choose the card you want and click “connect to Apple Pay” — immediately after that, the card will automatically fall into the “collection” of the wallet.

How to pay

The process looks payment like this: you take your iPhone, quickly double click the Home button from a locked mode, choose map (if you have one, you can assign default), scan the fingerprint and hold your iPhone to a normal payment terminal. On the account with the money deducted, and out of the car climbs a check. The Internet connection on the phone does not require data exchange with the Bank takes place via the payment terminal.

The seller may be surprised that instead of a plastic card you hold up to the contactless terminal at the checkout smartphone. Customers standing in the line, also will certainly be interested to watch.

By the way, the button can not be press – when approaching the device to the terminal itself will start iOS application Apple Wallet. It stores the card linked to Apple Pay. Such cards can be drive manually or take a picture of it with your smartphone camera — he does.

Similarly, organized payment and Apple Watch double-click on the button under the Digital Crown wheel, pick a card, hold to the device. By the way, the phone in the case of payment for hours you can even leave the house — to conduct transale it is not needed.

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Where to pay

Retail partners of Apple Pay in the supermarket “Attacks”, “Auchan”, “Azbuka Vkusa”, “Magnet”, BP gas stations, Starbucks, electronics stores Eldorado, M. Video, re:Store, MediaMarkt and cum. Partner status assumes that the terminals in these outlets has been fully tested for compatibility with Apple Pay. The same will be reported and the corresponding labels.

However, the system will work with all Bank terminals that support contactless payments. Such devices payments technology VISA PayWave or MasterCard PayPass can be found in many places. In the Apple estimated number of outlets in Russia, where he will work with Apple Pay, 200 000.

Payments through Apple Pay can be made not only offline but also online — in Russia, this form of payment has added a mobile app S7 airlines, and travel apps App In The Air and “train tickets”. For payment you will need simply touch the scanner Touch ID.

When paying with any Apple device in the new online store will not need to drive payment information — with money you can lose in a single click.

In the browser work Apple Pay support any Mac released since 2012, installed the latest macOS Sierra. The purchase will still need to confirm with a compatible iPhone or Watch.

Is it dangerous?

For security, Apple Pay is not inferior to traditional credit cards: all credit card information is stored in the bowels of the smartphone and is not transmitted to the side, so to capture precious numbers and PIN codes impossible. While Apple Pay does not transmit your original Bank card to the seller, instead, the transaction uses a one-time security code.

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“Secure payments via Apple Pay provides a platform Mastercard Digital Enablement Service (MDES), which uses the most advanced payment technology — EMV, tokenization, cryptography and biometrics, which ensures complete anonymity and security of cardholder data,” — said Deputy Chairman of Sberbank Alexander Torbakhov.

In other words, nothing to worry here about. If the iPhone is stolen, the thieves won’t be able to use it as a wallet: to pay for goods, the system uses the fingerprint scanner Touch ID (or short PIN in the case of the Apple Watch). Disable same payment system in the app Find my iPhone.

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