How to pay with a card in a store: step by step instructions

2024 Author: Howard Calhoun | [email protected]. Last modified: 2023-12-17 10:16

A plastic card is a convenient payment instrument that provides its owner with round-the-clock access to the account. It is used for non-cash payments, including purchases via the Internet, as well as for transfers, cash withdrawals. How to pay with a card in a store is described in the article.

In Russia, the most popular payment systems are Visa and MasterCard. The card has standard dimensions (86x54x0.76 mm). It contains a storage medium - a magnetic strip or a chip with a microprocessor. With each card, payment for goods and services occurs with a small difference.

General information

Cards come in:

1. Credit. They contain bank funds, for the use of which a fee is charged - interest.
2. Debit. The account contains the owner's money, which he himself credited there.
3. Virtual. There are funds earned on the Internet or credited in the usual way.

Every kindcards are in demand in modern times. Which stores accept card payments? Plastic is suitable for all trade establishments where there is a special terminal. Every day more and more shops connect this device.

Benefits

Plastic cards have many advantages over cash. These include:

1. Convenience. No big money required.
2. Safety. If you lose a regular wallet, it is unlikely that you will be able to return the money, and the card can be blocked.
3. No borders. With the card, you can go to another country, as this payment tool works all over the world.
4. Getting bonuses. Many banks offer bonuses - discounts and cashback (funds are returned for a percentage of the amount of purchases).
5. money control. With the receipt of statements on transactions, you can control spending.

These benefits encourage people to apply for cards. Most modern banks are engaged in their release.

Pay for purchases

Do all plastic holders need to know how to pay with a bank card in a store? It is much more convenient to do this than with cash. She can pay bills not only in a store, but also in a restaurant, shopping center, trade and service organization where there is a POS-terminal.

How to pay with a card in a store if it has a magnetic strip? To do this, she needs to swipe through the reader of the terminal, and then enter a pin code or sign forcheck. Such cards are gradually becoming obsolete.

And how to pay with a card in a store if it has a chip? Insert the plastic into the POS-terminal connector until it stops. The front side should be up. PIN code required.

How to pay with a card in a store if it uses contactless payment technology? If the terminal has such a function, then you should touch the card to the reader with the “waves” icon. If the purchase is not more than 1000 rubles, then entering a pin code is not required. These are all the answers to the question, how to pay with a card in a store?

Benefit

Is there any benefit when paying by bank transfer? This is convenient if there is a cashback function. CashBack involves receiving a part of the spent amount back to the account. It can be bonuses or real money. There are banks that return up to 10% of purchases in specific stores.

Credit card

Can I pay with a credit card in the store? Such plastic is suitable for payment if there are funds on the account. This is the bank's money lent to the client. These cards are also suitable for online payments.

How do I pay with a credit card in a store? Plastic is inserted into the terminal, a pin code is entered, after which 2 checks come out - for the seller and the buyer. To pay for goods on the Internet, you must fill out the information on the seller's website and check its reliability.

Online

You can also pay with plastic inthe Internet. After selecting the desired product, go to the payment section. It is important to make sure that the amount payable is the same as in the order. If everything is correct, you must enter card information:

1. Number.
2. Validity period.
3. First name, last name.
4. CVV/CVC.

After payment, an SMS message confirming the operation is received. Keep in mind that the PIN should not be provided for remote operations. No need to provide information about this password.

Abroad

Can I pay for goods and services in other countries? This is possible with such payment systems as MasterCard International, Visa International, American Express. The cards issued by Sberbank of the Russian Federation can be used not only in Russia. In other countries, you can withdraw cash using Visa and MasterCard systems, except for Sberbank-Maestro "Student", Sberbank-Maestro "Social", Sberbank-Maestro "Momentum".

Do I need to show documents?

Many disputes between the customer and the seller arise because of the documents. Often, users refuse to provide a passport. For example, you should pay attention to the differences in the wording on the use of OTP Bank payment cards:

1. When paying at merchants (trade and service enterprises), the cashier may require a passport.
2. And when paying at PVN (cash points), the client must provide a passport.

It turns out that inthe store cashier may or may not require a document. The opinion of the acquiring bank (terminal organization) should be taken into account. The contract often indicates the minimum, in excess of which the provision of a passport is required. There may be points where the seller may require a document if there is suspicion.

Checking the passport is often carried out at the initiative of the cashier, because in case of a disputable situation, he is charged with compensation for losses. But a merchant employee may refuse service if the client does not provide a document. Passport is usually not required to be shown when entering a pin code.

Check

If the check must be signed after paying for the purchase, then you should check the amount, date, plastic number. This document confirms the operation. The receipt must be kept. The storage period is approximately the same for banks (for example, for OTP Bank and Sberbank it is 6 months).

Safety

Although modern cards are secure, users still need to follow some security rules:

1. It is advisable to use cards with a chip. Previously, not all ATMs worked with such plastic, but now this is not a problem.
2. If there are a lot of funds on the account, then you can set a daily withdrawal limit. This will help save at least part of the funds.
3. If the card is stuck in an ATM or terminal, you should block it.
4. Don't give store employees your details.
5. It is advisable to activate the SMS informing service about each operation.
6. After receiving the card, you should put a sample of your signature.
7. Notyou should indicate data on unverified sites.

Following these simple rules will save your money. Cards are accepted for payment in most modern stores. The payment procedure is very convenient and safe, which is why more and more people are switching to cashless payments.