Good news for owners of mobile devices running Android: since May 23, 2017, contactless payment using smartphones using Android Pay Sberbank is officially supported in Russia. All holders of bank cards of the largest bank in Russia can add them to the system and use their mobile device to quickly make payments in retail and online stores.
Features of Android Pay
The new payment service Android Pay has every chance to oust similar products from Samsung and Apple due to the fact that mobile devices in Russia running Android are an order of magnitude higher. Moreover, Sberbank allows you to connect contactless payment to almost any card, including credit cards, and not just certain types.
Differences from Samsung and Apple
Other key features of Android Pay and differences from Samsung pay and Apple pay are as follows:
- the number of linked cards to one account is not limited (Apple has a limit of 8 cards, and Samsung has 10);
- it is possible to make purchases using Android Pay in Russia and abroad in retail stores, on the Internet and in mobile applications (Samsung does not allow transactions on the Internet);
- can be installed on any mobile device running Android 4.4 and later software versions, it is enough to correctly configure Android Pay Sberbank.
Disadvantages of Android Pay
Unfortunately, it is necessary to highlight the shortcomings of the product that limit its functionality. Thus, Samsung, thanks to the use of the patented MST technology, allows its customers to use contactless payment on terminals of any type, including the old type (magnetic).
Android Pay can only be used on new POS terminals. You can find out if the technology is supported on the device by a special sticker with the appropriate inscription or simply ask the seller.
Thus, now you don’t have to wait for Android Pay Sberbank to work, but you can immediately proceed to install and use it.
What Sberbank cards are supported
The list of cards that can be connected to the proposed contactless payment service is very wide. It includes absolutely all cards issued by Sberbank, including credit, social, youth, Aeroflot, etc. The exception is Visa cards such as Electron and Maestro. Therefore, before using Android Pay Sberbank, make sure that your card meets the requirements and can be “pinned” in the service.
How to install the application
There are two options to use the new contactless payment method - using a specialized application from Google and the mobile version of Sberbank online.
Smartphone Requirements
In order to be able to install Android Pay Sberbank Visa, you need to make sure that your mobile device meets the following basic requirements:
- OS version 4.4. and higher;
- the presence of an NFC module in the device;
- installed Wallet application (needed to store plastic card data).
Where to download Android Pay
In addition, in order to be able to download Android Pay Sberbank, you need an active Internet connection. To make the payment itself, the Internet is not required, since the device and the terminal directly exchange information, and the terminal already gives a signal to the bank to debit funds, however, the lack of mobile communication can affect the quality of the service.
The developers note that the Android Pay Sberbank Mastercard system does not work with rooted devices and is not compatible with unlocked bootloaders. So you need to install the application on a "clean" OS Android 4.4. and higher.
Connecting a Sberbank Visa and MasterCard card
To set up Android Pay in Russia from Sberbank, you need to:
- download the application from the official Google Play store (this can be done using the mobile device itself or using a computer using a single linked account);
- launch the application and specify a Google account for authorization;
- scan the card or enter the necessary details manually (you will need to specify its number, owner's name, expiration date and code on the back, all this data is stored on your device in the Wallet application, Google will not receive this data);
- indicate the name and address of the future owner of Android Pay in Russia;
- confirm the connection of a plastic card in the Android Pay application with by entering a code from SMS;
- wait for a certain amount of funds to be debited from the card (this will happen if you initiate the procedure for linking the card to your Google account for the first time, usually no more than 10 rubles are debited, they are returned within a day back to the card);
- click on the Contactless payment tab and follow the instructions of the installer (the specific procedure will depend on the version of the program).
Connection errors
If an error occurs when setting up Android Pay, then most likely the matter is the lack of administrator rights. In order to allow the application to use administrator rights, you must:
- go to the Settings menu;
- go to the tab Security - Device administrators;
- tap on the checkmark next to the Android Pay application.
It is recommended to download Android Pay Sberbank only from the official website of Google applications. When installing from another source, the possibility of hacking the device and stealing confidential information, in particular, card details, is not ruled out.
The contactless payment service from Google is provided to smartphone owners free of charge, the installation of the application is also free.
How to connect the service through Sberbank Online
The second way to connect Android Pay Sberbank is to use the Sberbank application online.
For this you need:
- download the application and register in it (if the application is already installed, make sure that it is updated to the latest version, the guideline is that the update package should be released later than May 23, 2017);
- go to the main section and select Sberbank cards planned for connection to Android Pay;
- click on settings and select the Detailed information section;
- scroll to the bottom until the inscription Contactless payment appears;
- tap on it and follow the instructions of the Android Pay setup wizard in Russia Sberbank.
To bind each individual card, you must repeat the procedure.
Map linking issues
If the mobile application does not support this feature, then the problem may be as follows:
- you got root access, no contactless payment services work on rooted devices;
- you have not given administrator rights to the Sberbank online application;
- you have not completed the procedure for checking the device with the built-in anti-virus application of Sberbank;
- you are trying to link an Electron or Maestro card, which are not yet supported by Android Pay in Russia;
- you have not enabled the NFC option in the phone settings (you need to go to Settings - WiFi - More).
Check the mobile device for all the specified parameters, and if the binding function still does not appear, use a specialized application.
Safety
Before using the new contactless technology, we will make sure that it is secure.
About protection of purchases and payments
The degree of protection of the Android Pay application in Russia is very high. Attackers will not receive users' personal information, as it is encoded using advanced SSL encryption technology and stored on Google's secure servers. Google itself also does not get access to this data, since the only key is on the user's mobile device.
Additional protection is provided by the fact that instead of transferring personal data and card details, the application transfers the user's virtual account number to the payment terminal.
If you lost your phone with Android Pay
In case of loss of the phone or its theft, the client just needs to log into his account from another device (mobile phone or phone) and then change the password, block the smartphone, untie it from the account or erase personal data through remote control of the android.
How to use the payment app
Many smartphone owners are interested in how to pay using Android Pay. The procedure is very simple:
- Before going to the cashier, unlock the screen of your smartphone;
- bring the device to the top of the terminal;
- wait for the beep and the green background inscription Done.
That's it - the payment went through. If you have mobile banking set up, you will immediately receive a notification about the transaction. The history of transactions can be viewed on a mobile device or in the Sberbank system online (More details about paying through the application later in the video).
Purchases in the online store are made in the same way - through the browser by pressing one button. At the moment, payment on the Internet using Android Pay in Russia is possible on the websites of Yandex.Taxi, Wildberries, Google Play and a number of others.
In addition to a smartphone, the Android Pay contactless payment service can be installed on smart watches, such as LG Wath Sport, as long as the OS is equal to or higher than Android Wear 2.0.
Overview of the payment system and its appearance in Russia. Examples of use and features of connecting the service.
Possible problems when paying in the store
Problem: If the smartphone vibrates and a green flag appears on its screen.What's the matter: Your application is working correctly, but the payment device did not accept the data.
Solution: Ask the cashier a question, try making the payment again.
Problem: You need to enter a pin code or use a "chip" card.
What's the matter: There are stores where only a purchase confirmed in an additional way is possible.
Solution: Pay for purchases with a card without using the application.
Issue: I received a message that my card was rejected by the bank.
Cause: Finding out on your own is problematic and irrational.
Solution: Contact the bank that issued the card. Sberbank and other banks do not transfer such information to the Android Pay payment application.
conclusions
Thus, using the Android Pay service in Russia, you can make contactless payments at retail points of sale and online stores. Data protection is performed at a high level, so you don’t have to worry about the safety of payment details.
It is recommended to install the Android Pay app from the Google Pay store to avoid problems with viruses and hacking. You can attach a Sberbank card for payment in Android Pay itself or in the Sberbank online application. To make a payment, just bring your smartphone to a POS-terminal that supports the contactless payment method.
Every year, cash payments are increasingly fading into the background. They are being actively replaced by electronic payment services. The technology of contactless payments is gaining the greatest popularity. For the first time, the service was used in bank cards that allow you to pay for purchases by touching the terminal. Manufacturers of portable devices keep up with global trends. The growing popularity of NFC, originally used only for interaction between devices, has found its way into the payment industry. Leaders in the market of mobile gadgets presented their own payment systems. Xiaomi is no exception.
The contactless payment service from Xiaomi, referred to among fans of the Mi Pay brand, uses the well-known Android Pay payment method. We’ll clarify right away that you won’t be able to find or download Mi Pay. Android Pay is an electronic payment system from Google that allows the owner to make purchases with one touch without the help of plastic cards.
How to set up Android Pay
For most devices, the service is not a default software. You will need to download the Android Pay app. It is quite obvious that for this you need to visit the Play Market. Everything is extremely simple: go to the store and download the software.
After installation, you need to activate the NFC data exchange. This is done in the "additional functions" section in the smartphone settings.
Then, you need to open the program access to work:
- settings -> permissions -> autostart
- settings -> permissions -> other permissions
In both cases, we include all the proposed items.
The basic settings are done, now let's configure the application itself. We enter the program using your Mi account. Adding credit card details. There are two possible methods:
- scan "plastic" with a camera;
- add the number, expiration date, last name and first name of the owner manually;
Regardless of the method, you will need to enter the CVV / CVC code and confirm the transaction with the bank. By adding multiple credit cards, you can set any of them as default.
There are a number of criteria that limit the use of the service:
- firmware version 4.4 and higher;
- the device must be without root rights;
- the technology is supported in your country;
How to use Android Pay
All payment systems used on mobile devices work in much the same way. In our case, the procedure is as follows:
- unlock phone;
- bring it to the terminal for a few seconds until a payment message and an image of your credit card appear;
- depending on the terminal and the conditions of the financial institution, it may be necessary to enter a PIN code or sign;
- if several cards are connected, go to the application, select the one you need and only after that apply it to the terminal;
Which Xiaomi phones support Android Pay
Unfortunately, not all Xiaomi smartphones support nfc. Therefore, before connecting, make sure that the hardware is compatible with the technology. Suitable devices are listed below:
- Xiaomi Mi 2A
- Xiaomi Mi 3
- Xiaomi Mi 5
- Xiaomi Mi 5s Plus
- Xiaomi Mi 6
- Xiaomi Mi Note 2
- Xiaomi Mi Mix
- Xiaomi Mi Mix 2
- Xiaomi Mi Note 3
Which cards and banks work with Android Pay technology
The system was launched in Russia in the spring of 2017. VISA and MasterCard are accepted for payment. The addition of the "MIR" format is expected. The list of banks is presented in the table below.
Not so long ago, Google launched its own payment system called Google Pay (Android Pay). This system allows you to pay for purchases using a smartphone, which in many cases speeds up the payment process and saves time.
If you are interested in this payment system and want to know which phones support Google Pay, then we invite you to read this article. Here we will tell you what you need and which phones support it.
In order for your phone to support Google Pay, it must meet certain requirements. The first thing to check is NFC support. Contactless payment is used, so if your phone is not equipped with such a module, then it does not support Google Pay.
In order to find out if NFC is on your phone, you need to study the characteristics of the phone. If NFC support or the presence of an NFC module is indicated there, then your phone is suitable. For example, let's look at the characteristics of the Samsung Galaxy S8 on the Yandex Market website. As you can see in the screenshot, NFC support is declared in the “Communication” section, which means that the Samsung Galaxy S8 can be used for payments via Google Pay.
You can also go to Android and open the "Wireless networks - More" section or the "Connected devices" section. If there is a switch that allows you to enable or disable NFC, then your phone supports this technology.
If your phone is not new, then you also need to check the version of the Android operating system. To do this, go to the Android settings and open the "System - About phone" section. Android version 4.4 or newer should be listed here.
In addition, the phone should not have . If you have been rooted, the Google Pay app will not work. Also, Google Pay may not work if you installed non-standard firmware.
What phones are supported
The above is a fairly large list of requirements that a phone must meet in order to support Google Pay. This may give the impression that Google Pay only works on certain phones, but in fact it is not. In practice, most Android phones equipped with an NFC module support Google Pay.
If you're considering buying a new phone and want it to support Google Pay, then all you have to do is make sure your phone has NFC. For example, such a module is available on such budget and mid-price models as:
- Sony Xperia E5
- Sony Xperia XA
- Nokia 3
- Nokia 5
- Nokia 6
- Samsung Galaxy J5 (2016)
- Samsung Galaxy J7 (2016)
- Samsung Galaxy J5 (2017)
- Samsung Galaxy A3 (2017)
- Samsung Galaxy A5 (2017)
- Motorola Moto G5s
- Huawei P smart
- Huawei P9 Lite
- Huawei P10 Lite
- Honor 9 Lite
- LG Q6 M700AN
- LG Q6+
- Xiaomi Mi5S
(2
ratings, average: 5,00
out of 5)
Android Pay is a contactless payment service carried out using the latest generations of Android devices. In fact, Android Pay is the same payment tool as a plastic card, only built into your mobile phone. And there will be more soon.
May 23, 2017 this service was officially launched in Russia. This caused a lot of excitement among smartphone holders. In our article, we will talk about how to use the system, which banks support it, how to download and use Android Pay on your phone.
Which banks and cards support the system
In Russia, already from the beginning of the project, this project began to be supported immediately ten banks. Almost all of them provide a large list of cards that work with the new payment system.
Support Android Pay on all cards MasterCard and VISA but do not support type cards MAESTRO and Visa ELECTRON:
- Sberbank,
- MTS Bank,
- Raiffeisen Bank
But there are banks that support the entire list of cards they issue. These banks include:
- Alfa Bank,
- VTB 24,
- Bank Tinkoff.
Some banks support all cards, except VISA:
- Russian Standard Bank,
- BINBANK,
- Russian Agricultural Bank.
Rocketbank Mastercard cards have a cashback function (discounts on goods that are returned to the owner's account some time after the purchase is made). In priority and other banks to work with the return of funds to the accounts of the owners.
If the phone has Root access, then your phone will not be officially supported.
But articles are already appearing on the Internet that describe in detail how you can use the Android pay service on devices with obtained superuser rights (open Root access). Of course, everything is done informally, at your own peril and risk. So it's worth considering whether it's worth the risk of using your wallet through a device, possibly shared with other users through Root.
If Root is not right, then first you need to make sure that your smartphone supports a service such as NFC. You must have the correct version of the software installed.
Android Pay supports devices with Android 4.4 or kitkat and later. Owners of wearable devices will also be able to use Android Pay, if the latter have installed Android Wear 2.0.
How to download and enable
In order to make your first purchase using Android Pay, you need to link a bank card that supports this service. The list of all cards and banks working with this service is listed above. And only after that you can start working with the payment application itself.
Where to download Android Pay? This can be done from the standard Google Play application, which is installed on any device initially. Downloading the application from other sources is strictly not recommended., since most likely these will be fraudulent applications through which other people will gain access to your account.
After installing the application, you need to open it and follow the instructions exactly. When installing a payment service, you will need permissions for contacts, geolocation, identification data, the device's camera, and some others that will ensure the correct operation of Android Pay. 
After the card is added and verified by the service, you can make purchases using your phone. But you need to be prepared for the fact that an error will appear on Google Play stating that A ndroid pay is not supported on your device, if the android version does not meet the requirements.
Since the service has just appeared, it will work most correctly on more popular and well-known devices. Over time, it will be adapted to all suitable devices, whose manufacturers want to install this payment system along with the general software package from Google.
Where and how to pay via Android Pay
The payment service works with both real and virtual purchases. You can pay for the purchase of programs and games, as well as pay for digital goods within these applications.
In simple stores, you do not need to look for special devices through which goods will be paid, it is enough to use a regular terminal to pay using an Android device.
It will be interesting that with the help of the Android Pay system, you can already pay for trips to the subway. In the future, payment in other modes of transport is also being considered.
By the way, the Moscow Metro made a nice gift to those who will pay for travel via Androyd Pay: 50% discount from the fare. Thus, happy owners of the payment system on their smartphone will pay only 20, but not 40 rubles.
System Security
When paying, a virtual account number will be used, not a credit card number, so payment through this payment system is confidential and your information remains safe.
Some citizens of Russia encountered difficulties in setting up the application. When registering, you need to enter a postal code, the priority of which is set not by city, but by region. When entering an index for Moscow, an error appears. To solve this problem, the index of the regional city is entered or Moscow is selected as the region. Google has not yet resolved this issue.
Platform Competition
Android Pay has been added to two well-known payment systems from Samsung and Apple. If we compare Android Pay with other payment systems, for example, then Google devices have an advantage here. You do not need to have a fingerprint scanner on your phone to make payments. You can use the usual password and enter it when paying. This cannot be done on devices.
It can be concluded that this payment system is able to compete with competitors, having sufficient support in banks and prospects for the development and adaptation of the technologies used.
A modern person who spends a lot of time in the digital world tries to acquire them with the release of new devices. He changes, with the exception of adherents of one firm, one model to another on average once a year. At the same time, his device from Apple may change to Android.
Of the entire set of Android phones, the Samsung brand makes up a huge part. Three possible payment systems per user appear at once. Hence the conclusion - you need to strive to create a cross-platform application that will help the person who changed the device to stay with their old data and not perform various registration operations.
Obviously, the android market will begin a fierce struggle between Samsung and Google, who will have to innovate in order to make their system unique, and, accordingly, the best for users.
Android Pay in Russia, a lot of interesting things:
Using Android Pay is an opportunity to make purchases in a convenient and safe way. Read on to learn how to use Android Pay to pay for the things you need in stores and online apps.
How to pay with Android Pay in the store
So, you are in the store, and you are going to make a payment for the selected product using the Android Pay service. What do I need to do:
Thus, the payment is made from the default card.
How to change the main map?
You can add several cards of various banks to the application, and here are your actions if you need to pay for a purchase with an additional card:
- Unlock your smartphone
- Go to the Android Pay app, select and tap the card you want to use at the moment
- Click "Make Map Primary"
- Then follow the steps in the previous instructions.
Android Pay errors and what to do about them
Let's take a look at some of the problems that may arise when paying in a store. If you encounter them - it's okay, everything is fixable.
You have attached the device to the terminal, but the payment does not occur
- forgot to wake the phone from sleep mode. You do not need to open Android Pay, but the smartphone must be unlocked.
- The NFC antenna did not pick up the signal. Just try to change the position of the phone relative to the terminal.
- too quickly removed the smartphone from the terminal. The operation is carried out within a few seconds, but still give a little time if it did not happen at the moment. Wait for the green flag to appear.
You can learn about other problems and ways to solve them in our other article.
The smartphone began to vibrate, a green flag appeared on the screen
Such a reaction means that Android Pay transmitted payment information, but the terminal did not accept it for some reason. You can ask the cashier for help, try again.
You need to pay with a card with a chip, enter a PIN code
This means that the store does not accept payments through the application, you can only pay with a regular card.
Card rejected
In this case, only the bank will help, since the Google support service does not have information about the reasons for the rejection of cards or any transactions on them.
How to pay with Android Pay online
To pay in applications, one touch of a finger is enough to confirm your payment. Look for the note "Pay with Android Pay" or a picture of a green robot.
Security of Android Pay transactions
The basis carried out through this service is the formation of a unique digital code that is transmitted to the seller instead of your card data. Thus, confidential information will be inaccessible to anyone except yourself.
