How to pay by phone in a store? Pay for purchases by phone instead of a bank card

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

Modern technologies do not stand still. They develop so fast that many people simply do not have time to understand them. More recently, paying for goods on the Internet was a novelty. And how it works, only a limited percentage of people understood.

Now technology is developing even faster. The turn of mobile phones has come. Literally every month, new models appear on the market, equipped with dozens of useful features. One of them is paying for purchases by phone. How is this possible? How to pay by phone in a store? What do you need to know and have for this? Let's figure it out.

Can I pay by phone

One of the recent innovations that our citizens got acquainted with is the contactless payment system. Here we are talking about such types of cards as Visa PayWave and MasterCard PayPass. A huge number of people have already appreciated the simplicity and convenience of this technology. In order to pay for the purchase, you just need to bring the "plastic" to a special POS-terminal. There is no need to enter a PIN code or perform any other actions. Everything happens automatically. This makes the payment incredibly fast.

The same process was taken as a basis for the development of a payment system using the "mobile". The technology is called Near Field Communication (NFC for short). The owner of the smartphone generates a special payment card with a contactless payment function. For this, a special mobile application is used, which is different for each system.

Popular contactless payment programs

As already mentioned, in order to turn a smartphone into a wallet, you need a special program. You can pay by phone if you have one of the following apps installed:

• Samsung Pay;
• Apple Pay;
• Android Pay.

Which program to install depends on what operating system your smartphone is running on. Apple Pay will suit only Apple Pay, Android smartphones will only respond to Android Pay, and the rest of the program is only suitable for smartphones of the corresponding brand.

Slightly below we will take a closer look at how to pay in a store with a phone using one or another system.

Apple Pay

This contactless payment technology has been built into Apple branded devices. Its essence is that you no longer need to carry around countless different plastic cards. You can simply "tie" all the plastic media to your smartphone and shop conveniently.

It's easy to do, and the service is really simple and easy to use.

Initial settings

ToTo start using Apple Pay, you will have to take a few preparatory steps. First you need to open a card account in one of the branches of the following financial institutions:

• Alfa-Bank.
• VTB 24.
• RocketBank.
• Bank Saint Petersburg.
• Tinkoff.
• Opening Bank.
• Gazprombank.
• Russian Standard.
• "Yandex. Money".
• Sberbank.
• "MDM-Binbank".
• MTS.
• Raiffeisenbank.

The list is constantly updated and it is likely that soon several dozen more banks will be added to it.

And, of course, you need to make sure that your iPhone can handle the installed application. The technology is supported by the following models:

• iPhone SE, 6, 7, 6s & 6 Plus & 7 Plus;
• Macbook Pro 2016;
• Latest iPad;
• Apple Watch I and II generations.

If you have an older phone, contactless payments may take some time.

In addition, you will need an Apple ID and an updated operating system to install Apple Pay and its normal functioning.

To make contactless payments, you can add as many as 8 payment cards to the apple phone.

Apply algorithm

Here's a little guide for those who don't know how to turn a phone into a bank card:

1. Open the Wallet system and click on the active link"Add payment card".
2. Enter your Apple ID code.
3. Enter the data of the payment plastic card in the proposed fields: the name of the holder, expiration date, number. Provide a short description.
4. If there is no desire to mess around, you can simply take a picture of the card carrier. In this case, some of the fields will be filled in automatically.
5. After that, you need to wait a bit. The bank that issued the card will determine its authenticity, identify and decide whether it can be connected to the iPhone.
6. When the verification is completed, click the "Next" button and wait a little more.
7. Done. You can now use your smartphone to pay for purchases.

And how to pay by phone in the store? Very simple. To do this, just bring your smartphone to a special payment terminal. In this case, you need to hold Touch ID with your finger. Who does not know, this is a large key at the bottom of the case. Hold the smartphone near the terminal for a while and wait for the beep. It will notify you that the operation is completed and was successful.

Android Pay

And how to pay using a phone running on the Android system? There is nothing complicated here either. You can download a special application from the Google Play service. But it will work stably only if the following conditions are met:

• presence of Android system version 4.4 or higher;
• preinstalled NFC module;
• lack of open unlimited access to smartphone systems (root access).

There are a few more conditionswhen Android Pay cannot be used:

• OS bootloader not unlocked in smartphone;
• pre-installed OS version for developers or Samsung MyKnox available;
• the smartphone is fake and has not been approved by Google.

Before you pay with your phone in a store or salon, you must correctly install and run the appropriate application. You can do it like this:

• download and install the service;
• open the program and find your account;
• click the "+" icon in the bottom right corner;
• select "Add card" and fill in all required fields;
• confirm the data by entering a special password from SMS.

Done. The card is linked. Before making a contactless payment, you need to make sure that the terminal supports this technology. Most often, this is evidenced by special stickers in the form of radio waves (contactless payment) or the Android Pay logo.

Pay by phone for your purchases in this case is also easy. To do this, it is enough to bring the device out of the inactive mode and bring it with its rear panel to the appropriate place on the terminal. It is not necessary to activate the Android Pay program. It activates itself.

Now you need to wait 2-3 seconds and make sure that the payment is completed. Further actions will depend on which card is "attached" to the smartphone. If you are paying by credit card over the limit, you will need toadditionally put a signature on the check. If a debit "plastic" is used, you will have to enter a PIN code.

Samsung Pay

This system is not yet as popular as its predecessors. However, the number of users is rapidly increasing. This is partly facilitated by the fact that with the help of Samsung Pay you can pay not only through the contactless payment system, but also where a magnetic stripe is installed in the terminal. This is possible thanks to a specially designed Magnetic Secure Transmission (MST) system.

The fact is that smartphones that support this special technology can create a special magnetic field.

The list of financial institutions supporting this technology is not yet too large, but is constantly expanding.

To use the application, your smartphone must support NFC and have an operating system of at least Android 4.4.4.

The process of launching the application and linking the card is almost identical to those described above:

• download the app and activate your account via e-mail;
• define the authorization path using a PIN or fingerprint;
• click the "+" symbol or the "Add" link;
• enter the details of a plastic card or scan it;
• read the terms of service, check the box and click "Accept all";
• confirm your actions with a password from SMS;
• with a stylus or just a finger to put your signature on the smartphone screen;
• click Done.

In this way, you can "tie" no more than 10 cards to your smartphone. Everything works very simply:

• start Samsung Pay;
• select card;
• log in with your PIN or fingerprint;
• bring your phone to the POS terminal and wait a couple of seconds.

Pros and cons of phone payments

Despite the popularity of the technology, it still has more disadvantages than advantages.

1. Firstly, there are not so many places where you can pay by phone at the moment. This is especially true for small cities or towns. After all, in order to make such a payment, you need an appropriate terminal. And it is not installed everywhere.
2. Secondly, many cashiers are simply afraid of doing something wrong and come up with various excuses to refuse such a payment method.
3. And, finally, to pay in this way, you must have a fairly expensive and "fancy" phone. And, unfortunately, not everyone has it.

However, there are also advantages to paying by phone. First of all, it is stylish, fashionable and still attracts attention. In addition, it is also incredibly convenient. After all, you do not have to carry a whole bunch of plastic cards with you and remember the PIN codes from each of them. It is enough to enter all the data into the program once, and in the future it will do everything for you.

Conclusion

Now you know how to pay by phone at the checkout, and if necessary, you cando it. Technology is developing so fast that the day is not far off when such a phenomenon will no longer surprise, and payments using the phone will become available everywhere.