IPhone instead of a bank card: Apple Pay service came to Russia

On October 4, the Apple Pay payment service officially launched in Russia, which allows you to pay for purchases using a mobile phone instead of a bank card. Pics.Ru collected the main thing about the new achievement of science and technology.

Apple Pay works everywhere where contactless payments are accepted, from supermarkets and hotels to shops, cafes and restaurants. Through Apple Pay, you can also pay purchases in many popular applications from the App Store. On the payment terminal should be a mark of PayPass or PayWave.

The system is compatible with all iPhone models older than the sixth, including the iPhone SE and with Apple Watch - in this case, you can configure the system and on the iPhone 5, 5S and 5C.

To pay for the purchase, you need to bring the phone to the payment terminal, select the map in the app and authorize the payment, putting your finger to the touchid sensor. On the Apple Watch payment starts, if you press the power button twice. It is important that Apple Pay does not take any commissions for performing operations.

How to tie a card?

Through the Wallet application on the iPhone. By default, Apple Pay are connected to the cards that were tied to iTunes, but you can add up to 7 additional cards. Data can be entered using the camera or manually.

What banks support AP?

While the system only works with MasterCard CancerBank maps, however, in the near future, Raiffeisenbank, Yandex.Money service, Tinkoff Bank, Binbank, Opening Bank and VTB 24 are expected to connect.

Safety

At the moment, the cases of hacking Apple Pay was not reported. When you pay, the smartphone does not transmit any data card terminal, instead it exchanges "token" - one-time key, which is generated every time for each payment. Even if the fraudster captures the token, he will not be able to use it a second time. During payment through a bank card, on the contrary, data exchange occurs, such as a PIN code, and hackers are actively used by this.

In addition, all payments are authorized by the help of a fingerprint either through the touch ID, or through the Sensors on the Apple Watch, which significantly increases the level of purchase of purchases.

And what about android?

At the end of September, Samsung Pay was launched in Russia, a similar system that works on Samsung smartphones. It is available for owners of MasterCard and smartphones Galaxy S7, S7 EDGE, S6 EDGE +, NOTE 5, A5 2015 and A7 2016 (on devices with SAMSUNG PAY, does not work). At the moment, the company cooperates with Alpha Bank, VTB 24, MTS Bank, Raiffeisenbank, the Russian Standard Bank and Yandex.Money Bank, but plans to expand the list of partners.

A source