Android Pay electronic payment system in Russia. How to use Android Pay

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

Android Pay in Russia appeared recently. But now this system has won the hearts of many. We have to deal with all its features. What is Android Pay? And how to use it?

Description

Android Pay in Russia is nothing more than a contactless payment service. It works easily and simply. A citizen binds a bank card to a mobile device through a special application. After that, a person has the opportunity to pay for goods and services using the phone.

The main thing is that the Android operating system is installed on the device. Otherwise, the reception will not work. In fact, we are dealing with an application that replaces bank plastic. But what should every modern citizen know about Android Pay in Russia?

Support by banks

For example, it is important to figure out which banks the system under study works with. Unfortunately, today the list of financial institutions is very limited. It includes a total of 13 banks.

Which ones exactly? Android Pay in Russia works with the following financial companies:

• VTB 24;
• Sberbank;
• "Yandex. Money";
• "Alfa Bank";
• "Opening";
• "Tinkoff";
• "Binbank";
• "MTS Bank";
• Rosselkhozbank;
• "Promsvyazbank";
• "Ak Bars Bank";
• Raiffeisenbank.

In the future, this list will be updated. But for now, Android Pay only supports the plastic of the listed organizations.

Phone support

But that's not all. You need to find out which devices support Android Pay. After all, this system will not work on all phones.

There are 2 conditions in total that must be met. Namely:

• presence of NFC chip;
• Android 4.4 operating system and later.

Also, sometimes, among the requirements, the possibility of card emulation (HCE) is distinguished. Android Pay even works with older phones.

For example, we can highlight the models of 2013:

• "Sony Xperia X Ze 1";
• "Samsung Galaxy S 5";
• "HTC Van".

It is advisable to look at the characteristics of your phone. Only in this way will it be possible to understand whether it will be possible to use the studied electronic payment system. The bulk of modern smartphones allows you to bring the idea to life.

About root rights

One more thing. The Android Pay app will not work on jailbroken smartphones. That is, the studiedthe opportunity is offered only to conscientious phone owners.

Those who like to delve into the "Android" system will either have to give up contactless payments via phone, or purchase a new gadget. As long as there are no root rights, everything will work fine. But as soon as the device is hacked, Android Pay will cease to function.

Installation

Now let's look at the process of working with the application. How to use Android Pay? In fact, everything is easier than it seems. The most difficult thing is the binding of a bank card. This will be discussed later.

First of all, you should install the appropriate application. This is done like this:

1. Open Google Play.
2. Go through the authorization in the application.
3. Search for Android Pay.
4. Select a suggested result.
5. Download the corresponding app.
6. Run the received document.
7. Following the instructions on the display, complete the initialization.

That's it. The Android Pay electronic payment system is sometimes tried to be faked. It is worth paying attention to the developer of the program. The original application will have the signature "Google Inc.". It is advisable to avoid downloading the utility from third-party sites.

Settings

The above steps do not complete the preparation for using contactless payments via phones. Now that Android Pay is installed on your smartphone, you need to set it up correctlyprogram.

The setup guide will look something like this:

1. Launch Android Pay.
2. Dial in the menu that appears bank card details (validity period, number, CVV).
3. Indicate information about the owner of the plastic.
4. Enter your residential address.
5. Register mobile phone number.
6. Enter the transaction confirmation code. It will come to your mobile as an SMS.
7. Press the "Allow" button. It will automatically be displayed on the screen after entering the confirmation code for adding a card.

It's done. Now you can use Android Pay. Sberbank, like any of the banks listed above, will allow, after the actions taken, to pay by phone for purchases in stores or online.

Other cards

"Android Pay" has support for additional cards, discount plastics and gift certificates. They can be added to the program menu if desired. Then there will be no need to always carry the listed cards with you.

How to cope with the task? You will need to follow the following type of guide:

1. Open Android Pay.
2. Press the round plus button.
3. Select the type of plastic to be added.
4. Scan a barcode or manually dial the card number.
5. Save changes.

Quick, easy, convenient. In reality, everything is much simpler than it seems. Not all banks support the option under study. Android Pay appeared in Russia in early 2017. And thereforeSo far, the list of financial institutions is limited. But you can add any discount and gift cards to the program. After all, contactless payments by phone are theoretically possible in all outlets.

About usage

We got acquainted with the main stages of preparation for using "Android Pay". What now?

You can pay with your mobile device. It only takes 2 steps to do this. Namely:

1. Unlock phone.
2. Bring your smartphone to the payment terminal.

In just a few seconds, the data will be read from the mobile phone. The money will be debited from the added bank plastic. It's very simple.

No Unlock

In some cases, Android Pay (Sberbank, VTB or other financial organization - it doesn't matter who accepts the funds) is used in just one action. It is allowed to bypass the requirement to unlock the mobile device.

In other words, in certain cases, a citizen should simply take out a phone and attach it to a special reader. This alignment is allowed if the payment is more than 1,000 rubles.

Multiple cards

What if the user has several cards added to the Android Pay program? Which plastic will be charged?

This parameter is set by the user. When linking several cards to Android Pay, you will have to open the application and select the necessary plastic there. There is no other way to make a payment.

Not all stores

It is also important to remember that Android Pay in Russia does not work in all outlets. Although in theory the app should function equally well in every store.

Firstly, the opportunity explored cannot be implemented in retail outlets without cashless support.

Secondly, the reader must have a chip for contactless payments. Fortunately, almost all modern cashless machines are equipped with the mentioned part.

It is advisable to look at the entrance to the store (or at the checkout) for Android Pay support. Then the user will be able to accurately answer whether he will be able to use the studied program or not.

Watches and Android Pay

Surprisingly, modern citizens can make contactless payments using special watches. They are produced by mobile phone manufacturers. Not all gadget models have Android Pay support.

Today this option is available on Huawei Watch 2 and LG Watch Sport. How to deal with such circumstances?

There is no difference between the phone and the watch in our case. The user will have to download Android Pay for a wrist gadget, install the program and bind the plastic to the device. To pay using the listed devices, simply turn them on and bring them to the reader.

Conclusion

We figured out what Android Pay can do. Banks in Russia support the studied option. Butso far, there are few financial institutions that allow contactless electronic payments.

Today Android Pay is very popular. Setting up this utility and working with it is not difficult. Especially if you follow the instructions listed earlier.

If a person has a smartphone that supports Android Pay, it is better to connect to this system. There is no charge for using the application. In addition, there is no commission for completed transactions either. This means you won't have to pay. How to use Android Pay? The answer to this question will no longer make you think!