How to pay for purchases using Apple Watch? Instructions. How to set up and use Apple Pay in Russia Which cards can be linked to an iPhone

Apple Pay is a universal contactless payment system that was developed by Apple in 2014. The advantage of this development is that it is compatible today with many contactless readers, such as MasterCard PayPass or Visa PayWave. This mobile payment system is supported by a number of devices from the Cupertino company, but we will highlight only iPhone models on which this system can function.

Smartphones that support mobile money transfers have a special NFC chip built into them that allows data exchange over a short distance. Such a chip was not installed in earlier flagships, so a problem arises in using the mobile transaction system on some devices from the Apple company. Let's look at which iPhones currently support contactless payments:

• iPhone 6/6 Plus;
• iPhone 6s/6s Plus;
• iPhone 7/7 Plus;
• iPhone SE.

To the disappointment of many users, the revolutionary iPhone 5, 5c and 5s do not support Apple Pay. The only possible solution for owners of flagships of the fifth model is to use the development of the Cupertino company using the Apple Watch smartwatch. To do this, just synchronize your iPhone 5 with your smartwatch.

How to connect Apple Pay Sberbank on iPhone

In order to connect the contactless payment system, you need to install the Wallet application on your phone, authorizing it using your personal Apple ID. After successful login, you will be able to add a payment card. Having selected the appropriate function, the user will be asked to take a photo of his personal bank card. You can opt out of this method by entering all the data manually.

Next, you will need to confirm the entered information by entering a code that Sberbank will send to the user’s number. If words such as “Card is activated. MasterCard Standard card is ready for Apple Pay,” then you can begin to successfully use the contactless payment system.

Contactless transactions for Sberbank clients

For Sberbank clients, connecting the contactless payment function is much easier and faster. All you need to do is launch the Wallet application and select the appropriate bank card, which will automatically appear in the wallet collection.

Owners of synchronized smartwatches will immediately receive a notification after activating the card on their iPhone, prompting them to add this card to the device. The program will prompt you to come up with a small password, after which the user will be able to add a card in the Wallet application, having first filled in the necessary information. The only thing you need to do is confirm your identity again by entering the code from the SMS from Sberbank.

The iPhone has built-in support not only for Sberbank, but also for such popular financial institutions as VTB 24 and Alfa Bank. The setup is done in the same way as in the case of Sberbank.

Using the system

Let's look at the different ways to use a mobile payment app. After activating the card, you can safely start using this system, paying for purchases in supermarkets and stores. To do this, just bring your iPhone to the terminal without opening the Wallet application. The phone will automatically recognize the payment device and offer a fingerprint scanner. After the user touches Touch ID with his finger, the money for the corresponding purchase will be withdrawn from the bank card.

It is worth remembering that the scope of use of the apple company’s development is quite wide. The tool has been developed for users to facilitate any activity related to transactional payments. Anyone can make purchases in the online store in one click, as well as use various add-on services in a special application store. Now you can pay for any service by touching Touch ID with your finger.

Mobile transactions are a unique development that can greatly simplify the life of any person, allowing him to make any purchases and payments in a matter of seconds, without worrying about security at all.

Apple Pay is available in many countries around the world, and you can use it using the Apple Watch on your wrist. It's easy to figure out how to pay with your Apple Watch, and you can start paying for purchases using Apple Pay today.

Contactless payment is an actively developing technology. This is a key selling point of this watch and a handy feature that helps make everyday life easier.

Setting up Apple Pay on Apple Watch

The setup process is extremely simple; as a rule, there are no difficulties with how to set up Apple Pay on Apple Watch. An important feature is that the watch and iPhone work with the mobile payment system independently of each other.

Despite the obvious symbiosis of these two devices, they use individual and unrelated Wallet applications; this means you can use two separate cards. It also allows you to pay without your iPhone, which is convenient if you, for example, go for a run or forget your phone at home.

To start setting up you need:

1. Select “My Watch” in the watch app (on your iPhone) and launch Wallet & Apple Pay. You will then be taken to a section where you can enter your credit or debit card details. A card from any bank will do.
2. If you don't have a passcode set up on your device, you'll be prompted to set it up. Contactless payment will not work without this code; this is done to protect funds from criminals so that they will not be able to use the card without your knowledge.
3. Next, you scan your card using your phone camera and fill in the missing information. Once you're done with this, you'll be sent an email or SMS with a verification code, which you'll need to enter into the app on your phone.
4. Then the bank that issued your card will be checked and will decide whether you can use the card in the mobile payment system. Additional information may also be required for verification, in which case a personal request will be made from the bank (this procedure does not take much time).
5. After passing the test, a confirmation message will appear on the device indicating that everything is ready to go.

Pay for a purchase using Apple Watch

If everything is set up, then you need to figure out how to pay in stores using your watch.

To pay for a purchase using Apple Watch, you must:

1. Press the side button twice, bringing the watch to the terminal installed at the seller.
2. Continue to hold your hand over the terminal; An image of your card will appear on the screen and a message indicating that it is ready for use.
3. After this, you will almost immediately hear a characteristic sound or feel a vibration. A check mark will appear on the watch face, informing you that the operation has been completed.

The mobile payment system is actively developing. In addition to Russia, you can use this function in more than 20 countries around the world. In 2018, this number will only grow.

You can make transactions via NFC in many, even small, stores in our country. In the future, there will be more places where you can pay for your purchases using this function, which means paying with your watch will become easier and more convenient.

With Apple Watch you can make purchases even if you don't have your iPhone with you.

03.13.18 at 12:17

One of the most interesting and convenient features of Apple Pay is the ability to pay for purchases using Apple Watch. Any Apple Watch model is suitable for this, even the very first one. The Apple Watch smartwatch has a built-in NFC module that supports payments using Apple Pay. So your plastic card is always with you, right on your wrist.

In order to pay for purchases with Apple Watch, you first need to pay on your iPhone, if you haven’t already done so. Next, you need to launch the Apple Watch application on your iPhone, go to the My Watch section and open Wallet and Apple Pay and make sure that the plastic card is connected.

If you've already used Apple Pay on your iPhone, you'll need to re-add the card to your Apple Watch. The Apple Watch has its own "security code" and device number that represents your card.

How to pay with Apple Watch?

While at the store checkout, you ask to make a payment using a card. The cashier activates the terminal, at which point you press the side button located below the Apple Watch wheel twice. Your plastic card will be displayed on the screen. Place your wrist on the terminal to make a payment. You should almost touch the watch screen and the terminal. As soon as the payment goes through, you will feel your Apple Watch vibrate and beep. Information about successful payment will appear on the watch screen.

If you have multiple cards, you can select the one you want by double-clicking the side button.

The best part about paying with your Apple Watch is that you don't even need your iPhone to make the payment. You can go for a walk, leaving your iPhone at home, and when you need to pay for your purchases in hours.

How to return a purchase made through Apple Watch?

If you want to return a purchase made using Apple Pay on iPhone, read our. The refund scheme for purchases made using Apple Watch is similar. The seller asks you to insert the card you used to make the purchase. You must touch your Apple Watch to the return terminal.

Just keep in mind that when purchasing with an Apple Watch, refunds can ONLY be made to that same Apple Watch, and not to your iPhone. Even though your Apple Watch is linked to the same plastic card as your iPhone, the two devices have different device account numbers. Therefore, having paid for a purchase using an Apple Watch, a refund is also made through them.

Having purchased a smartphone from Apple and decided to use it to pay for purchases and other payment transactions, you need to figure out: how to link a card to an iPhone in order to work with it in all available programs (applications)?

What does it mean to “link a card to an iPhone”?

Linking (synonyms – attach, add) a bank card to an iPhone means entering complete information about the plastic card necessary for making payments and transfers into the database of a special program for the iOS operating system.

Apple currently offers iPhone 6 and younger owners two banking software products:

• iTunes;
• Wallet.

iTunes allows you to transfer movies, games, music, pictures and other content from your computer to your iPhone and vice versa, providing backup storage of information located on the gadget.

iTunes also provides access to the official online store AppStore, where you can buy ringtones, music and movies. Attaching a card to iTunes - plastic or virtual - allows you to pay for purchases.

It is through the AppStore that you can download and install a mobile application to manage your card from the website of the bank that issued it. This service allows you not only to make transfers and payments using your iPhone, but also to track transaction history around the clock, receive account statements, set up automatic payments, find the addresses of the issuer’s offices and ATMs, and much more.

The Wallet application stores the entire set of data about both bank cards and gift certificates, bonus programs and store payment cards, purchased transport tickets, cinema, theater and concert tickets, and so on.

In addition, only with cards added to Wallet can an iPhone owner pay using Apple Pay technology (details below).

How to attach a card to iTunes (AppStore)

The procedure for linking a card to an iPhone 6 and younger to use iTunes / AppStore is simple:

• if iTunes is not yet installed on your smartphone, you need to download it from the official website apple.com;
• open the program and log in by entering your Apple ID;
• go to the App Store – Selection – Apple ID – View Apple ID – Payment information;
• select Payment method: Visa or MasterCard (according to the attached card);
• enter Card Details: 16-digit number and security code (CVV / CVC);
• Enter the month and year the product expires.

You can attach either a plastic card from any bank or a virtual card to iTunes / AppStore - for example, linked to a Qiwi or Yandex.Money e-wallet.

In the future, the card linked to iTunes can be changed by unlinking one (to do this, select Payment Method: No) and adding another.

How to add a card to Wallet

The algorithm for how to link a bank card to an iPhone by adding it to the Wallet application is also simple:

• make sure that the application is on the phone - it should be installed by default. If not, download from apple.com;
• launch Wallet and go to the Pay section;
• click “Add payment card”;
• enter your Apple ID, click “OK” and “Next”;
• To add a card already attached to iTunes, you just need to enter CVV / CVC. To link another one, bring it to the screen or select “Enter card details manually” (below) and specify the details;
• click “Next”.

If you have the latest version of iOS installed on your iPhone 6 or younger, the app will automatically check the added card for compatibility with Apple Pay.

You can add a total of up to eight bank cards to Wallet.

Linking a card to an iPhone and using Apple Pay

The latest version of iOS and a card product from a bank that works with Apple Pay in Russia is all that the owner of an iPhone 6 and younger needs to use Apple’s contactless payment system at any point of sale that accepts payments using MasterCard PayPass, Visa payWave, etc. technologies.

To make a payment, just bring your iPhone to the terminal with your finger on Touch ID. With the latest iOS and the Wallet app, no special software is required for Apple Pay. During this compatibility check, the system may require you to enter additional information.

Apple together with Sberbank introduced Apple Pay in Russia

09/14/17 at 03:11

If you have a Sberbank debit card, then you can be one of the first to use the Apple Pay payment system.

What is Apple Pay?

– Apple Pay is a one-touch payment system. First, you connect your debit or credit card to Apple Wallet, and when you pay in store, you just need to hold your iPhone up to the reader while keeping your finger on the Home button. The money will be instantly read from your previously connected card.

How to connect Apple Pay at Sberbank?

Follow the instructions in the video below or on the Sberbank website.

Which Sberbank cards are suitable?

– Debit: World MasterCard Elite Sberbank 1, MasterCard World Black Edition Premier, World MasterCard “Golden”, MasterCard Platinum, MasterCard Gold, MasterCard Standard, MasterCard Standard Contactless, MasterCard Standard with individual design, MasterCard Standard youth card, MasterCard Standard youth card with individual design , Momentum (which refers to MasterCard Standard cards).

– Credit: MasterCard Gold, MasterCard Standard, MasterCard Standard Youth Card.

Visa cards are not supported at this time. In addition, the card must be plastic, not virtual.

Do I need an Internet connection at the time of payment?

– No, at the time of payment, interaction occurs between your iPhone and the reader via NFC.

Which iPhone models support Apple Pay?

– iPhone SE, 6, 6 Plus, 6S, 6S Plus, 7, 7 Plus models support Apple Pay. If you have an iPhone 5, 5C, 5S, then you can only get Apple Pay support if you have an Apple Watch.

Why doesn't iPhone 5S support Apple Pay?

– There are two reasons for this: 1. iPhone 5S (5, 5C) does not have a built-in NFC chip, which is responsible for contactless data transfer. 2. Some experts claim that when making a payment, the iPhone generates a temporary code and the system for generating such a code is only available in newer iPhone models (for example, iPhone SE).

Owners of iPhone 5S (5, 5C) 1st, 2nd generation to receive Apple Pay support.

Can I use Apple Pay with my iPad?

– This is possible, but only with those models that have a fingerprint sensor. Supported models: Pro 12.9”, iPad Pro 9.7”, iPad Air 2, iPad mini 4, iPad mini 3.

How do you know if a store accepts Apple Pay?

– On the payment terminal, look for a special contactless payment or support icon  Pay.

Which stores are already working with Apple Pay?

– Currently, the list of official points where you can already use Apple Pay is as follows: Azbuka Vkusa, ATAK, Auchan, M.Video, Magnit, TSUM, BP, MediaMarkt, re:Store, Burger King. Eldorado will be connected soon.

Can I use Apple Pay when paying in online stores?

- Yes. In essence, Apple Pay is no different from a regular plastic card, just instead of entering the card code the “old fashioned way”, you just need to press 1 button. On the site, this should be a special button that says “Buy with  Pay”, after clicking on which your iOS device will ask you to touch the “home” button. And unlike many other electronic payment systems, Apple Pay does not require account registration.

In addition, you can use Apple Pay inside applications if they provide some services and support Apple Pay.

How safe is it to use Apple Pay? What if my iPhone was stolen?

– Since your iPhone is set to your fingerprint, no one else can use it except you. When you pay for purchases, your iPhone generates a unique identification number and transaction code, which is then not stored anywhere. Your card number is not stored on the iPhone or stored on Apple's servers, nor is it transmitted to the merchant during payment, only a temporary, generated number that "represents" you. Apple Pay will not store any information about purchases that can be tracked. But the history of your latest purchases will be stored in the Wallet app, without being sent anywhere. But if your iPhone is stolen, you need to do this. There is also a cost in advance, which makes it possible for attackers to send your money to their account.

How many plastic cards can be added to Apple Pay?

– At the moment, the maximum number is 8. In the settings, you can select one of them as the default card.

How to quickly access Wallet with Apple Pay?

– When you are ready to pay with Apple Pay, with your iPhone turned off, press the Home button 2 times. Or just bring it to the terminal when the cashier asks you to pay, the Apple Pay payment window will appear automatically.

How do I cancel a payment made through Apple Pay?

1. Inform the seller that you want to cancel the purchase and show the receipt (inside the Wallet app) so they can begin the refund process.

2. When they are ready, you can bring up your iPhone and sign in using your Apple ID, just like you made the purchase.

If this method is not possible, there is an alternative:

1. Launch the Wallet application and select the card you used to make the payment

2. Click on the information button (bottom right)

3. Tell the seller the last 4 digits of your (Device Account Number), located at the bottom right. Do not confuse these 4 digits with your plastic card number, they are different but “represent” your card.

Some sellers may ask for your transaction ID, especially if it was a large purchase. But this corresponds to the return procedure as if you were making a purchase with a plastic card.