Bank card with share pass. Sberbank contactless card – what is it and how to use MasterCard PayPass and Visa payWave

And for some the appearance contactless cards glasses became something unimaginable. In fact, contactless payment cards existed back in 2002, but in testing mode, and only now Visa and MasterCard, having tested wireless payment technology over the years and established security standards, introduced cards contactless payment for general use.

Sberbank contactless card- this is the same bank card that provides the opportunity to make payments through the terminal with one touch of the card to the terminal, currently within the limit of 1000 rubles. For more expensive purchases, you must enter your card PIN. This technology is called Pay Pass and it is convenient and safe.

The contactless payment card is equipped with a special RFID antenna (radio antenna), with which payment is made. Through this antenna, information about the owner is read from the card and transmitted via a secure channel to the bank, where the transaction is already being carried out.

How to use a Sberbank contactless card

The card can be used at all updated POS terminals (usually they are marked with a wireless payment icon). They are now almost everywhere.

To pay for a purchase, simply bring your card to the terminal. There is no need to insert it into the receiver; the PIN code needs to be entered only in case of payment for an amount over 1000 rubles; in the case of a smaller amount, the PIN code is not required.

The contactless card payment process consists of three steps:

Bring the payment card close to the terminal or at a distance of 0.5 - 1 centimeter
Fix the card in this position for a couple of seconds
After a notification about successful payment appears on the terminal screen, the card can be removed

If the POS terminal of the previous generation does not support the card, then payment is made as with a regular card.

Sberbank contactless cards pros and cons

Convenience of payment. You don’t need to take the card out of your wallet and insert it into the terminal; you just need to touch it for a couple of seconds and the purchase is made. This saves a lot of time, especially while shopping.
Durability of the card. Since the card is not constantly inserted into the terminal's receiver, physical contact with the card is eliminated and this increases the service life of the card.
Payment security. The risk of money being stolen from the account by criminals is eliminated.

As for owners of retail outlets, some complain about the high cost of POS terminals that support contactless cards. As they say, all good things come at a price. In this case, you will have to pay for the convenience of customers.

Security of MasterCard Pay Pass contactless cards

It would be a good idea to think about the security of payments using contactless cards. Contactless payment technology has several degrees of protection.

The range of data transmission via NFC is only a few centimeters, so during the operation the reader must be placed close to the card, which is quite difficult to do unnoticed.
There is another level of protection - restriction maximum amount contactless transaction: 1000 rubles. The limit of 1000 rubles without a PIN is the recommendation of Visa and Mastercard in Russia. Payments for a larger amount will be rejected or require additional confirmation (signature, PIN). If you try to sequentially withdraw several amounts below the threshold, the additional protection system is also triggered.
Next you need to overcome more serious protection based on cryptography. The reading terminal must have cryptographic keys obtained from the acquiring bank and the payment system. Such keys are issued exclusively under an agreement with the bank that issued the card.

All this provides comprehensive protection and security of operations.

To date PJSC Sberbank can offer you the following bank cards with contactless payment technology for goods and services:

Classic cards Visa and MasterCard Contactless

Debit card Visa Gold Aeroflot

Visa Platinum Premier and World MasterCard Black Edition Premier

Charity Visa Platinum card “Gift of Life”

Frequently asked questions about MasterCard Paypass and Visa payWave contactless payment cards

Can I disable the wireless card payment feature by writing a request to ?

No, it is impossible to do this. If you don’t need the contactless card payment function, then just order a regular one.

What happens if I tap my Mastercard PayPass contactless card several times at the POS terminal?

The amount of payment for the purchase will be debited, the payment will not go through the second time. Therefore, you don’t have to worry about making an erroneous repeated card payment.

Apply your Promsvyazbank card to the reader, and in a moment the purchase has already been paid for. If the purchase amount exceeds 1000 rubles or the equivalent of this amount in another currency, the cashier will ask you to enter a PIN code or sign a receipt (slip).

Fast

Thanks to innovative contactless technology, payment with Promsvyazbank MasterCard Black Edition PayPass is much faster. You won't have to waste time entering a PIN code or signing a receipt (slip) for purchases up to 1,000 rubles (or an equivalent amount in another currency), or waiting for change from the cashier when paying in cash.

Safely

You do not need to give your Promsvyazbank MasterCard Black Edition PayPass card to the cashier to pay for purchases. It is always in your hands, and you have complete control over the payment process. Money for one purchase cannot be debited from the card twice: after the first payment has gone through, the terminal will beep and turn off.

Wherever you see the MasterCard PayPass logo, you can pay for purchases with one touch. This is especially useful where speed and time are of the essence. Cards with PayPass technology are accepted by more than 265 thousand merchants in 36 countries, and their number is growing every day. In addition, you can always use your Promsvyazbank MasterCard Black Edition PayPass card as a regular card.

* To pay for a purchase over 1000 rubles, you will need to enter a PIN code or sign a receipt (slip).

Thanks to the presence of a microchip in a card with a connected PayPass system, you can, without handing it over to the cashier, independently bring it to the payment terminal and pay for any purchase up to 1000 rubles without confirmation with a PIN code. But if the card is lost, this can lead to the theft of a large amount from your account through several purchases made. After all, when paying with a card, the cashier will not even be able to read the owner’s name and make sure (upon request for a document) that the card belongs to to this person. It is for these reasons that cautious cardholders want to disable the PayPass service.

Contactless payment system Almost all modern international MasterCard and Maestro cards are equipped. This system is called PayPass. Other transaction service Visa card offers exactly the same technology, but with a different name - Visa payWave. Another format international maps American Express is equipped with a similar technology called Express Pay.

How to determine if your card is equipped with PayPass

The card must have a green logo in English - PayPass.
The card may contain a universal symbol that resembles the Wi-Fi icon on a smartphone.
You can simply try to pay for any purchase in a store at the checkout by bringing your plastic card face up.
Or find out if you have an active PayPass on your plastic card at the branch of the bank that issued your card.

PayPass payment protection

All banks that issue cards equipped with the PayPass function guarantee card protection for their owner.

The first degree of protection is no contact with the cashier. You don’t let go of your card, which means it won’t fall into the hands of scammers and the cashier won’t be able to make any manipulations with your account. This way the owner is in complete control of the situation.
Funds will not be debited from the card twice to the same account. After the first contact of the card with the terminal, it notifies about the transaction with a signal and turns off.
In case of loss or theft, the card may be blocked and the money in the account frozen, as in similar situations with any other bank card, upon the first call to the bank or when contacting the online account.

How to disable PayPass on a card

It is possible to stop the activity of the contactless payment system in personal account bank by opening the functionality of the card with PayPass connected.

If your bank does not provide this option in your personal account, you can contact directly bank branch, who issued you a “plastic” with a statement about blocking PayPass or about changing the card to a new one without the possibility of making contactless payments. A passport will be required to apply.

Plastic cards have long been part of our lives. A small, convenient payment instrument that is accepted almost anywhere in the world. Moreover, it is very safe. You must always remember the PIN code and make sure that the card is not lost, otherwise attackers will recognize the CVV and, for example, pay for purchases in an online store. But there is an alternative solution - PayPass. What it is and how to use this tool, you will learn from this article.

Definition

PayPass is a contactless payment technology via MasterCard. To pay, simply tap your card with a microprocessor on the terminal. This is the PayPass technology. In fact, the card is a microcircuit with an antenna. In Taiwan, the USA, Spain and Turkey, the MasterCard PayPass microprocessor is built into wristwatches, Cell phones and other items that a person carries with him every day.

This security allows you to make small purchases simply, quickly and safely. Now, when paying, there is no need to struggle with banknotes, swipe your card through the terminal, or sign checks. The user just needs to touch a special terminal. PayPass technology is very useful in the field of trading goods with low value and high transaction frequency. But for its widespread development in the future, it is necessary to strengthen the security of operations.

History of development

In 2003, MasterCard spent nine months testing the use of contactless technology in Orlando and Florida. At 60 different points, users paid with 16 thousand cards. At the same time, the company was working on its compatibility with Nokia, JPMorgan, AT&T to implement PayPass in mobile phones. In 2008, the 50 millionth device was produced. By this point, 77% of users used contactless technology as their main means of payment. By 2010, PayPass was launched in Bulgaria and Slovakia, users had 75 million cards in their hands, which were accepted at 230 thousand terminals. According to financial report company for 2012, production volume increased by 50% due to an increase in the number of users throughout Europe. Today PayPass cards are issued by Sberbank of Russia and Privat in Ukraine.

The potential of PayPass has not yet been revealed

What does it mean? Contactless transactions benefit all market participants: consumers, merchants and banks. Financial organizations provide their customers with a larger number of issuers - increasing the loyalty of account holders to card programs. This technology can complement any credit, debit, co-branding and other programs.

Trade organizations that have a PayPass terminal installed can serve their clients for more high level. Reducing the number of operations speeds up the process cash service and ensures its higher efficiency. First large enterprise, which started using MasterCard PayPass is McDonald's. Soon interest in new technology originated among football players and golfers. The contactless system is now used in turnstiles, vending machines, etc.

PayPass: where is it accepted and issued in Russia

The first contactless payment in the Russian Federation was carried out on 09.09.08 in the Moscow restaurant “Five Stars”. First PayPass card was issued by Industrial Bank in 2010. It is planned to issue a separate edition of cards for students and teachers. They can be used not only for their intended purpose, but also as a record book and student card.

Since 2011, a card with a magnetic stripe and a microchip has been issued by Raiffeisenbank. It is given to clients free of charge as part of the Premium package. But to use it you need to have at least 2 million rubles. or 1 million if you spend more than 25 thousand rubles per month. Clients who do not comply with this condition will pay RUB 3,000 monthly.

Analogs in the world

Contactless technologies also exist in Visa system. PayWare is an analogue of PayPass. What does it mean? Visa and JCB Co. Ltd. entered into an agreement to accept the development of MasterCard as a single protocol, that is, all contactless technologies will be tested according to the same scheme, ensuring compatibility of all brands.

The main advantages of contactless payments:

modern calculation method;
universal means of payment - such bank card can be used not only on new devices, but also in numerous ATMs and terminals;
long service life;
high payment speed;
protection from fraudsters.

But there is one big drawback - the lack of developed infrastructure, the cost of which is so high that neither banks nor trading enterprises are in no hurry to invest in it. In the UK, terminals were installed in only 10% of stores over 3 years.

PayPass: how to use

Thanks to the presence of a special chip, contactless cards can make small payments without authentication by the holder. Such transactions are limited to 15 dollars in the USA, 50 zlotys in Poland, 10 pounds in the UK, 1000 rubles in Russia. Operations on large amounts you will have to confirm by signing a receipt or entering a PIN code. But not all banks allow this. For example, in Germany and Austria, if the limit is exceeded, payment will have to be made using the usual contact method.

MasterCard issues debit and credit PayPass. How to use a contactless chip?

After each transaction, the amount is debited from a bank or personal account. Since the connection is contactless, instead of a card you can use a key fob with an RFID sticker, a smartphone with NFC, etc. Goods can only be paid for at retail outlets with the PayWave Visa, PayPass logo. The terminal confirms the reading procedure with a sound signal. The user does not have to transfer the card into the wrong hands, enter a PIN code, or sign a check. All you have to do is bring your wallet with your card to the terminal. There should be no other plastic media with a chip inside. In Germany they are also installed on identity cards.

Safety

Contactless transactions significantly reduce time. But in terms of security, they raise a lot of questions among users. The RFID chip can partially remotely clone cards at a distance of up to 2 cm. This fact calls into question the complete contactless use.

PayPass prevents direct RFID reading. The chip contains information about the card number and expiration date, and this is not enough for online transactions. A one-time code is generated for each operation. If you count it until the card is used, you can create a clone of it. The first use of the code by the duplicate will be approved, and the repeated use by the original will lead to blocking of both media. Given the low transaction limits, card cloning is not profitable.

Perform many operations with mobile terminal will not work. In areas with a large population, data on such transactions must be sent to an authorized center to prevent unauthorized persons from using the card. Such systems analyze each generated code and check it for duplicates. For full protection information, you need to shield the card, for example, wrap it in foil.

Where to use MasterCard Mobile PayPass technology

There are many “contactless” points in other large cities of Russia: supermarkets, cafes, restaurants, pharmacies, gas stations, beauty salons and other similar establishments. In addition, some organizations hold promotions for PayPass technology users. For example, in the northern capital, until the end of February, by paying for an order in your favorite cafe using a smartphone, you can receive coffee as a gift.

Very comfortably. Thank you

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