How to use a contactless Sberbank card: instructions

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

The Russian market of bank cards since 2016 pleases customers with the opportunity to make purchases in stores even faster. This became possible with the help of contactless technologies - PayPass and PayWave. PJSC "Sberbank" was one of the first in Russia to use the technology in the manufacture of new credit and debit cards. Those who previously paid for purchases using a PIN code began to learn how to use a contactless Sberbank card.

What is contactless payment technology?

Earlier, before the appearance of plastic cards with PayPass and PayWave, the owners of banking products dialed a PIN code to make purchases. The payment process took from 45 seconds to 1.5 minutes.

With the introduction of contactless payment technology for customersit became possible to pay for purchases in no more than 5 seconds.

Contactless payment technology is a process of making a debit transaction without entering the PIN code of a bank card at a POS-terminal when paying for a purchase in the amount of up to 1000 rubles. The limit on the amount was not chosen by chance: despite the convenience, it protects the client's funds in case of theft.

Purchases worth more than 1000 rubles are made in the usual way - after entering the customer code. How to use a contactless Sberbank card at an ATM without entering a PIN, and pay for purchases in a store, the client will only be able to within the limit.

How do I know if my card has contactless technology?

Cards that can be used to pay without entering a PIN differ from ordinary means of payment by the presence of an icon with the image of "waves" (as with a Wi-Fi connection). It is located on the front side of the plastic, most often in the right corner of the card.

If the card has this icon, it means it is contactless. Since 2017, all Sberbank cards, except for instant and social ones, have been equipped with contactless payment technology. Customers with cards, who were previously unable to pay for purchases without entering a PIN, received new credit cards with a contactless payment icon on the front side after a scheduled reissue.

The feature of such cards is that the payment technology is activated automatically. The owner of the payment instrument does not need to do anything in order touse the card for purchases without entering a PIN code.

How to make a card contactless?

If a client knows how to use a contactless Sberbank bank card, but his credit card does not allow it, he can order a new one or issue a reissue.

The production time for a new or reissued card is from 1 to 14 days. On the new card, in case of reissue, everything that was on the previous means of payment will be indicated, including a special icon on the front side. In case of early reissue, you will have to pay a commission of 150 rubles. The bank card number (16 or 15 digits on the front side) will change.

Where can I pay with a contactless card?

One of the disadvantages, according to the owners of such means of payment, is the inability to use card technology 100% in many stores. We are talking only about contactless payment, that is, without entering a PIN in the amount of up to 1000 rubles. Purchases by entering a code can be made at any POS-terminal, regardless of the technical support.

To evaluate whether it is possible to pay for a purchase without entering a PIN, the customer must:

• check this feature with cashiers. They are the first to learn about the possibility of contactless payment in the store. Cashiers will always help you make a payment with a credit card correctly and point out possible errors.
• see if there is a radio wave icon next to the cash register, indicating contactless payment technology. Sometimes insteadtechnology names are indicated - PayPass and PayWave.
• when paying, see on the terminal the inscription "Present or insert a card" + technology icon.

In what cases is it impossible to pay without entering a PIN code?

Knowing how to use a Sberbank card with contactless payment, customers cannot always use it. One of the reasons is the excess of the payment amount.

It is important to remember that payment without entering a PIN code is possible only in the amount of 1000 rubles or less. Purchases over the limit are paid as before - by entering the client code. In this case, the client does not have to insert the card into the terminal. He can lean it against the device and then enter the PIN.

It will not be possible to use the technology on old POS-terminals. They are located in small shops or private outlets.

After the introduction of PayPass and PayWave technologies, most large stores and networks began to massively purchase new payment devices. This attracts modern users of bank cards and speeds up the process of paying for goods. The process of paying for the purchase was reduced to only 5 seconds. In addition, customers at such terminals can pay using a mobile phone, also using contactless technology.

How to use a contactless Sberbank card: instructions

To pay without entering a PIN, no special knowledge and skills are required, and the operation itself takes no more than 5 seconds. The client does not have to take the card out of the wallet orcredit cards: technology allows you to make a debit transaction even at a short distance.

How to use a contactless Sberbank card in a store:

1. Wait until the terminal screen prompts "Show or insert card".
2. Lightly touch or bring the payment instrument of one of the parties closer to the POS terminal.
3. Wait until the signal sounds or the check comes out of the cashier's device.

What should I do if the payment failed?

Even customers who have learned how to use a Sberbank card with contactless technology sometimes fail to make a payment when presenting a credit card.

The reason for this may be:

• card failure. If the problem repeats repeatedly, it is recommended to issue a reissue through the Contact Center, Sberbank Online or one of the Sberbank offices;
• misuse of technology. Too much distance to the terminal or a tight case may interfere with payment;
• Terminal failure. Not all new devices work correctly. Sometimes, even with external signs of a possible payment without entering a PIN code, the buyer may experience difficulties;
• lack of communication with the bank. These are temporary difficulties that exclude any possibility of a cashless payment, including entering a PIN.

Pay with a smartphone without a Sberbank card

The most advanced owners not only learned to pay without entering a PIN-code in stores, but also use the capabilities of a smartphone for this. You can pay with a card without using it using the following applications: Samsung Pay, Apple Pay or Android Pay. They can be downloaded and installed for free.

Before using the application, the customer must add a card. This can be done by entering all the data into the system or simply by taking a photo of the payment instrument.

How to use a contactless Sberbank card from your phone:

• log in to the app.
• choose a bank card.
• bring the phone to the payment terminal.
• wait for payment of the purchase.

If you're using Apple Pay, you must hold Touch ID during the payment process. Other applications do not need this.

The disadvantage of this method is that not all employees of the distribution network know how to use a Sberbank contactless card without the card itself. Therefore, some cashiers are surprised by this payment method, even 2 years after its implementation. But they do not have the right to refuse customers to pay for purchases using a smartphone if their terminal supports this function.

Is it safe to pay with a card without a PIN code? Tips for owners

The use of contactless technology significantly reduces time, but also carries additional risks for customers.

Firstly, the advent of technology led to active actions by scammers. The thieves of such cards can easily make smallshopping without wasting time looking for a confidential code.

Secondly, there are devices that allow you to steal funds from customer accounts. Contactless technology is weakly protected, which gives attackers access to the accounts of the owners. They take advantage of this by using special programs to read data and steal funds when approaching customers with such credit cards.

Thirdly, with contactless payment, many customers have repeatedly complained about repeated debits in the event of a terminal freeze. To avoid overpayment, you do not need to remove the card without waiting for the payment signal or the release of the check.

How to use a contactless Sberbank card to protect yourself from scammers:

1. Do not carry means of payment in your wallet.
2. Do not approach unfamiliar citizens by carrying the card in your pockets outside.
3. Immediately block it if lost, stolen or "swallowed" by an ATM.