Mobile environment #7. Bank cards, mobile phones and their integration

Hello, dear readers. In today's Gacuriro- Furnished House for rent "Mobile environment" I would like to talk about bank cards, their advantages over cash, as well as integration between mobile phones and credit cards.

The advantages of bank cards over cash

I myself have been using bank cards relatively recently, a little over two years. Until that time, there was simply no permanent source of income that would be more convenient to keep on the map. I know that in Russia there are many stereotypes about banks, in the future they are superimposed on the incorrect interpretation of the banking agreement, as a result, the user may receive a fine or not understand where the service fee came from, and then scream at every step that he was robbed . In most cases, this is due precisely to the clients' own inattention and lack of elementary banking literacy, but sometimes there are really unpleasant situations (however, their number is minimal). Now let's take a quick look at the advantage of cards over cash.

Security. If your money is in your account, and not in your wallet, if you lose your card, you can quickly block it by mobile phone. In addition, if God forbid you are robbed at home, the money in the account will also not be affected. People who are afraid that their funds may be withdrawn from the card if it is stolen can open additional password-protected safe accounts (this option is quite popular, although not all banks have it).

Convenience. Let me give you an example familiar to most of you: “You pay 353 rubles 53 kopecks. 3.53 please look, I have no change. Or give change in small coins. When paying with a card, there are no such problems - as much as they said, so much was withdrawn from the card.

Paying utilities, mobile communications, the Internet. Now all well-known banks have their own Internet banking service, through which you can easily pay bills for an apartment, electricity, landline and mobile phone. Compared to the queues at the nearest Sberbank, this is a huge step forward. I look with sincere sympathy at these poor women who are forced to stand in long lines every month at the Sberbank (and you don’t need to tell me that they come there to chat. It’s written on the faces of the visitors that they want to leave this place as soon as possible).

Credit Limit. All credit cards have a "grace period" during which you can spend money from your account without charging interest on it. In fact, the "grace period" is divided into two parts - 30 days for purchases and the next 20 days for debt repayment. It is worth using CL very carefully, because the temptation to spend more than necessary is very great.

Benefit. As a rule, the benefit from using bank cards is divided into two types - interest on the account balance and / or cashback. In the first case, the bank monthly accrues some interest on your account balance (a kind of deposit with the ability to withdraw and replenish it), in the second case, at the end of the month, you get back some interest (usually from 1% to 5%, very Rarely do stocks get 10% back. Experienced users keep their savings on such cards, and all expenses are made from credit cards. Then, at the end of the month, they pay off the credit card by external bank transfer, receive interest on the account balance and cashback from all spending on the credit card.

Paying for purchases abroad. If you want to buy something abroad, then paying by card is almost the only way. In the same PayPal, replenishment from bank cards is used.

Currency conversion. With the help of bank cards, you can easily pay in foreign currency. The conversion takes place either at the internal rate of the bank, or at the rate of the Central Bank. In any case, you do not need to look for an exchange office and change money there.

Bank transfers. A very convenient way to send money to loved ones. As a rule, an intra-bank transfer is carried out instantly, and an external one takes an average of one to two business days.

Why such a long introduction about the benefits of bank cards? The fact is that further I will talk about the integration of bank cards with a mobile phone, and this part of the article would be irrelevant if some of our commentators did not simply repeat “I don’t use bank cards, why is this necessary at all?”.

Options for interaction between a smartphone and a bank card

Mobile application. Banking programs for smartphones have appeared for quite a long time, which is not surprising, because the idea itself lay on the surface. Agree, what could be more convenient than replenishing a mobile phone directly from the screen of your mobile? Fast, simple, always at hand. In fact, this is one of the earliest symbioses between a smartphone and a bank card.

SIM card as an analogue of a bank card. A similar service is currently offered by the MTS operator. Its essence is quite simple: your bank account is linked to the SIM card, and you can pay with your smartphone at the points where PayPass works (simply by attaching it with an NFC antenna).

Smartphone as an analogue of a bank card. Initially, this idea was promoted in Russia by i-Free. In it, for the first time, they were able to implement payment directly from a smartphone, without various “adapters” like binding to a SIM card. True, other restrictions appeared in the form of the number of supported models (Samsung is still not on the list of these devices) and a complex installation process. You cannot download the application from the Play Store yourself, it must be sent to you as a push update (as i-Free explained to me, this is a security issue). Another limitation is that you can only pay using a special prepaid bank card account, whose limit is 15,000 rubles.

In addition to i-Free, a similar bundle was announced relatively recently by Samsung and Russian Standard Bank (by the way, I found out that this bank is affectionately called “barsik” on specialized banking forums, quite funny).

In both cases, the payment procedure is the same: you open the application on your smartphone, enter your pin code, and then touch your smartphone to a PayPass-enabled terminal.

By the way, the use of PayPass technology in itself is a payment restriction, since many terminals do not support PayPass.

Convenient ways to pay for applications, licensed content or packages abroad

I know that some users fundamentally do not want to get physical bank cards, others are simply not yet 18 years old, and still others are too lazy to sit in the office and draw up such a card. For such people, there are several fairly convenient services, I propose to talk about each of them in more detail.

Visa QIWI Wallet. The good old and well-known QIWI electronic wallet to which the company is diligently trying to drag its users. It has the ability to create a virtual prepaid bank card, then simply enter its details when paying in online stores or in the Google Play / iTunes Store.

Yandex.Money. This service does not have a virtual card, but they deliver ordinary physical cards quite quickly, which are very convenient to use together with your Yandex.Money personal account (however, I do not recommend keeping a lot of money in this service, there have been cases of accounts being hacked, after which Yandex victims did not get money returned).

Tinkoff Mobile Wallet. Initially, this service was designed to provide quick transfers to friends, but in my opinion, in this niche it failed. On the other hand, when registering a wallet, you get access to a large number of service providers, as well as a Tinkoff.Wallet virtual card. The advantage of a mobile wallet over QIWI and Ya.Money is in a larger number of partners through which it can be replenished without commissions (Svyaznoy, Euroset, MTS, ION).

PayPal. As far as I know, you can fund your PayPal account and then pay for purchases online immediately through it, without additional establishment of separate cards. A side plus of this method is some kind of guarantee that if something is wrong with your package, PayPal will try to solve your problem.

Conclusion

To be honest, I am very pleased that the mobile and banking sectors are gradually moving closer, and perhaps soon we will see the full integration of bank cards into a smartphone. However, at the moment, all attempts by companies to somehow adapt smartphones for payment look more like “cool chips” than serious steps in this direction. An indirect confirmation of my words is the fact that almost all of the payment methods I describe are tied to PayPass, which is currently not very common in Russia (there are many points in Moscow where it is supported, but there are much more places where it is not) .

And what about you, dear readers? How do you feel about using bank cards? Are you waiting for a ready-made solution for your smartphone? Or do you keep all your savings in cash and are not interested in integrating these areas?

Mobile environment #7. Bank cards, mobile phones and their integration

Hello, dear readers. In today's Gacuriro- Furnished House for rent "Mobile environment" I would like to talk about bank cards, their advantages over cash, as well as integration between mobile phones and credit cards.

The advantages of bank cards over cash

I myself have been using bank cards relatively recently, a little over two years. Until that time, there was simply no permanent source of income that would be more convenient to keep on the map. I know that in Russia there are many stereotypes about banks, in the future they are superimposed on the incorrect interpretation of the banking agreement, as a result, the user may receive a fine or not understand where the service fee came from, and then scream at every step that he was robbed . In most cases, this is due precisely to the clients' own inattention and lack of elementary banking literacy, but sometimes there are really unpleasant situations (however, their number is minimal). Now let's take a quick look at the advantage of cards over cash.

Security. If your money is in your account, and not in your wallet, if you lose your card, you can quickly block it by mobile phone. In addition, if God forbid you are robbed at home, the money in the account will also not be affected. People who are afraid that their funds may be withdrawn from the card if it is stolen can open additional password-protected safe accounts (this option is quite popular, although not all banks have it).

Convenience. Let me give you an example familiar to most of you: “You pay 353 rubles 53 kopecks. 3.53 please look, I have no change. Or give change in small coins. When paying with a card, there are no such problems - as much as they said, so much was withdrawn from the card.

Paying utilities, mobile communications, the Internet. Now all well-known banks have their own Internet banking service, through which you can easily pay bills for an apartment, electricity, landline and mobile phone. Compared to the queues at the nearest Sberbank, this is a huge step forward. I look with sincere sympathy at these poor women who are forced to stand in long lines every month at the Sberbank (and you don’t need to tell me that they come there to chat. It’s written on the faces of the visitors that they want to leave this place as soon as possible).

Credit limit. All credit cards have a "grace period" during which you can spend money from your account without charging interest on it. In fact, the "grace period" is divided into two parts - 30 days for purchases and the next 20 days for debt repayment. It is worth using CL very carefully, because the temptation to spend more than necessary is very great.

Benefit. As a rule, the benefit from using bank cards is divided into two types - interest on the account balance and / or cashback. In the first case, the bank monthly calculates some interest on your account balance (a kind of deposit with the ability to withdraw and replenish it), in the second case, at the end of the month, you get back some interest (usually from 1% to 5%, very Rarely do stocks get 10% back. Experienced users keep their savings on such cards, and all expenses are made from credit cards. Then, at the end of the month, they pay off the credit card by external bank transfer, receive interest on the account balance and cashback from all spending on the credit card.

Paying for purchases abroad. If you want to buy something abroad, then paying by card is almost the only way. In the same PayPal, replenishment from bank cards is used.

Currency conversion. With the help of bank cards, you can easily pay in foreign currency. The conversion takes place either at the internal rate of the bank, or at the rate of the Central Bank. In any case, you do not need to look for an exchange office and change money there.

Bank transfers. A very convenient way to send money to loved ones. As a rule, an intra-bank transfer is carried out instantly, and an external one takes an average of one to two business days.

Why such a long introduction about the benefits of bank cards? The fact is that further I will talk about the integration of bank cards with a mobile phone, and this part of the article would be irrelevant if some of our commentators did not simply repeat “I don’t use bank cards, why is this needed at all?”.

Options for interaction between a smartphone and a bank card

Mobile application. Banking programs for smartphones have appeared for quite a long time, which is not surprising, because the idea itself lay on the surface. Agree, what could be more convenient than replenishing a mobile phone directly from the screen of your mobile? Fast, simple, always at hand. In fact, this is one of the earliest symbioses between a smartphone and a bank card.

SIM card as an analogue of a bank card. A similar service is currently offered by the MTS operator. Its essence is quite simple: your bank account is linked to the SIM card, and you can pay with your smartphone at the points where PayPass works (by simply attaching it with an NFC antenna).

Smartphone as an analogue of a bank card. Initially, this idea was promoted in Russia by i-Free. In it, for the first time, they were able to implement payment directly from a smartphone, without various “adapters” like binding to a SIM card. True, other restrictions appeared in the form of the number of supported models (Samsung is still not on the list of these devices) and a complex installation process. You cannot download the application from the Play Store yourself, it must be sent to you as a push update (as i-Free explained to me, this is a security issue). Another limitation is that you can only pay using a special prepaid bank card account, whose limit is 15,000 rubles.

In addition to i-Free, a similar bundle was announced relatively recently by Samsung and Russian Standard Bank (by the way, I found out that this bank is affectionately called “barsik” on specialized banking forums, quite funny).

In both cases, the payment procedure is the same: you open the application on your smartphone, enter your pin code, and then touch your smartphone to a PayPass-enabled terminal.

By the way, the use of PayPass technology in itself is a payment restriction, since many terminals do not support PayPass.

Convenient ways to pay for applications, licensed content or packages abroad

I know that some users fundamentally do not want to get physical bank cards, others are simply not yet 18 years old, and still others are too lazy to sit in the office and draw up such a card. For such people, there are several fairly convenient services, I propose to talk about each of them in more detail.

Visa QIWI Wallet. The good old and well-known QIWI electronic wallet to which the company is diligently trying to drag its users. It has the ability to create a virtual prepaid bank card, then simply enter its details when paying in online stores or in the Google Play / iTunes Store.

Yandex.Money. This service does not have a virtual card, but they deliver ordinary physical cards quite quickly, which are very convenient to use together with your Yandex.Money personal account (however, I do not recommend keeping a lot of money in this service, there have been cases of accounts being hacked, after which Yandex victims did not get money returned).

Tinkoff Mobile Wallet. Initially, this service was designed to provide quick transfers to friends, but in my opinion, in this niche it failed. On the other hand, when registering a wallet, you get access to a large number of service providers, as well as a Tinkoff.Wallet virtual card. The advantage of a mobile wallet over QIWI and Ya.Money is in a larger number of partners through which it can be replenished without commissions (Svyaznoy, Euroset, MTS, ION).

PayPal. As far as I know, you can fund your PayPal account and then pay for purchases online immediately through it, without additional establishment of separate cards. A side plus of this method is some kind of guarantee that if something is wrong with your package, PayPal will try to solve your problem.

Conclusion

To be honest, I am very pleased that the mobile and banking sectors are gradually moving closer, and perhaps soon we will see the full integration of bank cards into a smartphone. However, at the moment, all attempts by companies to somehow adapt smartphones for payment look more like “cool chips” than serious steps in this direction. An indirect confirmation of my words is the fact that almost all of the payment methods I describe are tied to PayPass, which is currently not very common in Russia (there are many points in Moscow where it is supported, but there are much more places where it is not) .

And what about you, dear readers? How do you feel about using bank cards? Are you waiting for a ready-made solution for your smartphone? Or do you keep all your savings in cash and are not interested in integrating these areas?

Mobile environment #7. Bank cards, mobile phones and their integration

Hello, dear readers. In today's Gacuriro- Furnished House for rent "Mobile environment" I would like to talk about bank cards, their advantages over cash, as well as integration between mobile phones and credit cards.

The advantages of bank cards over cash

I myself have been using bank cards relatively recently, a little over two years. Until that time, there was simply no permanent source of income that would be more convenient to keep on the map. I know that in Russia there are many stereotypes about banks, in the future they are superimposed on the incorrect interpretation of the banking agreement, as a result, the user may receive a fine or not understand where the service fee came from, and then scream at every step that he was robbed . In most cases, this is due precisely to the clients' own inattention and lack of elementary banking literacy, but sometimes there are really unpleasant situations (however, their number is minimal). Now let's take a quick look at the advantage of cards over cash.

Security. If your money is in your account, and not in your wallet, if you lose your card, you can quickly block it by mobile phone. In addition, if God forbid you are robbed at home, the money in the account will also not be affected. People who are afraid that their funds may be withdrawn from the card if it is stolen can open additional password-protected safe accounts (this option is quite popular, although not all banks have it).

Convenience. Let me give you an example familiar to most of you: “You pay 353 rubles 53 kopecks. 3.53 please look, I have no change. Or give change in small coins. When paying with a card, there are no such problems - as much as they said, so much was withdrawn from the card.

Paying utilities, mobile communications, the Internet. Now all well-known banks have their own Internet banking service, through which you can easily pay bills for an apartment, electricity, landline and mobile phone. Compared to the queues at the nearest Sberbank, this is a huge step forward. I look with sincere sympathy at these poor women who are forced to stand in long lines every month at the Sberbank (and you don’t need to tell me that they come there to chat. It’s written on the faces of the visitors that they want to leave this place as soon as possible).

Credit Limit. All credit cards have a "grace period" during which you can spend money from your account without charging interest on it. In fact, the "grace period" is divided into two parts - 30 days for purchases and the next 20 days for debt repayment. It is worth using CL very carefully, because the temptation to spend more than necessary is very great.

Benefit. As a rule, the benefit from using bank cards is divided into two types - interest on the account balance and / or cashback. In the first case, the bank monthly accrues some interest on your account balance (a kind of deposit with the ability to withdraw and replenish it), in the second case, at the end of the month, you get back some interest (usually from 1% to 5%, very Rarely do stocks get 10% back. Experienced users keep their savings on such cards, and all expenses are made from credit cards. Then, at the end of the month, they pay off the credit card by external bank transfer, receive interest on the account balance and cashback from all spending on the credit card.

Paying for purchases abroad. If you want to buy something abroad, then paying by card is almost the only way. In the same PayPal, replenishment from bank cards is used.

Currency conversion. With the help of bank cards, you can easily pay in foreign currency. The conversion takes place either at the internal rate of the bank, or at the rate of the Central Bank. In any case, you do not need to look for an exchange office and change money there.

Bank transfers. A very convenient way to send money to loved ones. As a rule, an intra-bank transfer is carried out instantly, and an external one takes an average of one to two business days.

Why such a long introduction about the benefits of bank cards? The fact is that further I will talk about the integration of bank cards with a mobile phone, and this part of the article would be irrelevant if some of our commentators did not simply repeat “I don’t use bank cards, why is this necessary at all?”.

Options for interaction between a smartphone and a bank card

Mobile application. Banking programs for smartphones have appeared for quite a long time, which is not surprising, because the idea itself lay on the surface. Agree, what could be more convenient than replenishing a mobile phone directly from the screen of your mobile? Fast, simple, always at hand. In fact, this is one of the earliest symbioses between a smartphone and a bank card.

SIM card as an analogue of a bank card. A similar service is currently offered by the MTS operator. Its essence is quite simple: your bank account is linked to the SIM card, and you can pay with your smartphone at the points where PayPass works (by simply attaching it with an NFC antenna).

Smartphone as an analogue of a bank card. Initially, this idea was promoted in Russia by i-Free. In it, for the first time, they were able to implement payment directly from a smartphone, without various “adapters” like binding to a SIM card. True, other restrictions appeared in the form of the number of supported models (Samsung is still not on the list of these devices) and a complex installation process. You cannot download the application from the Play Store yourself, it must be sent to you as a push update (as i-Free explained to me, this is a security issue). Another limitation is that you can only pay using a special prepaid bank card account, whose limit is 15,000 rubles.

In addition to i-Free, a similar bundle was announced relatively recently by Samsung and Russian Standard Bank (by the way, I found out that this bank is affectionately called “barsik” on specialized banking forums, quite funny).

In both cases, the payment procedure is the same: you open the application on your smartphone, enter your pin code, and then touch your smartphone to a PayPass-enabled terminal.

By the way, the use of PayPass technology in itself is a payment restriction, since many terminals do not support PayPass.

Convenient ways to pay for applications, licensed content or packages abroad

I know that some users fundamentally do not want to get physical bank cards, others are simply not yet 18 years old, and still others are too lazy to sit in the office and draw up such a card. For such people, there are several fairly convenient services, I propose to talk about each of them in more detail.

Visa QIWI Wallet. The good old and well-known QIWI electronic wallet to which the company is diligently trying to drag its users. It has the ability to create a virtual prepaid bank card, then simply enter its details when paying in online stores or in the Google Play / iTunes Store.

Yandex.Money. This service does not have a virtual card, but they deliver ordinary physical cards quite quickly, which are very convenient to use together with your Yandex.Money personal account (however, I do not recommend keeping a lot of money in this service, there have been cases of accounts being hacked, after which Yandex victims did not get money returned).

Tinkoff Mobile Wallet. Initially, this service was designed to provide quick transfers to friends, but in my opinion, in this niche it failed. On the other hand, when registering a wallet, you get access to a large number of service providers, as well as a Tinkoff.Wallet virtual card. The advantage of a mobile wallet over QIWI and Ya.Money is in a larger number of partners through which it can be replenished without commissions (Svyaznoy, Euroset, MTS, ION).

PayPal. As far as I know, you can fund your PayPal account and then pay for purchases online immediately through it, without additional establishment of separate cards. A side plus of this method is some kind of guarantee that if something is wrong with your package, PayPal will try to solve your problem.

Conclusion

To be honest, I am very pleased that the mobile and banking sectors are gradually moving closer, and perhaps soon we will see the full integration of bank cards into a smartphone. However, at the moment, all attempts by companies to somehow adapt smartphones for payment look more like “cool chips” than serious steps in this direction. An indirect confirmation of my words is the fact that almost all of the payment methods I describe are tied to PayPass, which is currently not very common in Russia (there are many points in Moscow where it is supported, but there are much more places where it is not) .

And what about you, dear readers? How do you feel about using bank cards? Are you waiting for a ready-made solution for your smartphone? Or do you keep all your savings in cash and are not interested in integrating these areas?

Mobile environment #7. Bank cards, mobile phones and their integration

Hello, dear readers. In today's Gacuriro- Furnished House for rent Mobile Environment, I would like to talk about bank cards, their advantages over cash, and integration between mobile phones and credit cards.

Hello dear readers. In today's
Gacuriro- Furnished House for rent Gacuriro Furnished House for rent "Mobile environment" I would like to talk about bank cards, their advantages over cash, as well as the integration between mobile phones and credit cards.

The advantages of bank cards over cash

I myself have been using bank cards relatively recently, a little over two years. Until that time, there was simply no permanent source of income that would be more convenient to keep on the map. I know that in Russia there are many stereotypes about banks, in the future they are superimposed on the incorrect interpretation of the banking agreement, as a result, the user may receive a fine or not understand where the service fee came from, and then scream at every step that he was robbed . In most cases, this is due precisely to the clients' own inattention and lack of elementary banking literacy, but sometimes there are really unpleasant situations (however, their number is minimal). Now let's take a quick look at the advantage of cards over cash.

Security. If your money is in your account, and not in your wallet, if you lose your card, you can quickly block it by mobile phone. In addition, if God forbid you are robbed at home, the money in the account will also not be affected. People who are afraid that their funds may be withdrawn from the card if it is stolen can open additional password-protected safe accounts (this option is quite popular, although not all banks have it).

Convenience. Let me give you an example familiar to most of you: “You pay 353 rubles 53 kopecks. 3.53 please look, I have no change. Or give change in small coins. When paying with a card, there are no such problems - as much as they said, so much was withdrawn from the card.

Paying utilities, mobile communications, the Internet. Now all well-known banks have their own Internet banking service, through which you can easily pay bills for an apartment, electricity, landline and mobile phone. Compared to the queues at the nearest Sberbank, this is a huge step forward. I look with sincere sympathy at these poor women who are forced to stand in long lines every month at the Sberbank (and you don’t need to tell me that they come there to chat. It’s written on the faces of the visitors that they want to leave this place as soon as possible).

Credit limit. All credit cards have a "grace period" during which you can spend money from your account without charging interest on it. In fact, the "grace period" is divided into two parts - 30 days for purchases and the next 20 days for debt repayment. It is worth using CL very carefully, because the temptation to spend more than necessary is very great.

Benefit. As a rule, the benefit from using bank cards is divided into two types - interest on the account balance and / or cashback. In the first case, the bank monthly calculates some interest on your account balance (a kind of deposit with the ability to withdraw and replenish it), in the second case, at the end of the month, you get back some interest (usually from 1% to 5%, very Rarely do stocks get 10% back. Experienced users keep their savings on such cards, and all expenses are made from credit cards. Then, at the end of the month, they pay off the credit card by external bank transfer, receive interest on the account balance and cashback from all spending on the credit card.

Paying for purchases abroad. If you want to buy something abroad, then paying by card is almost the only way. In the same PayPal, replenishment from bank cards is used.

Currency conversion. With the help of bank cards, you can easily pay in foreign currency. The conversion takes place either at the internal rate of the bank, or at the rate of the Central Bank. In any case, you do not need to look for an exchange office and change money there.

Bank transfers. A very convenient way to send money to loved ones. As a rule, an intra-bank transfer is carried out instantly, and an external one takes an average of one to two business days.

Why such a long introduction about the benefits of bank cards? The fact is that further I will talk about the integration of bank cards with a mobile phone, and this part of the article would be irrelevant if some of our commentators did not simply repeat “I don’t use bank cards, why is this necessary at all?”.

Options for interaction between a smartphone and a bank card

Mobile application. Banking programs for smartphones have appeared for quite a long time, which is not surprising, because the idea itself lay on the surface. Agree, what could be more convenient than replenishing a mobile phone directly from the screen of your mobile? Fast, simple, always at hand. In fact, this is one of the earliest symbioses between a smartphone and a bank card.

SIM card as an analogue of a bank card. A similar service is currently offered by the MTS operator. Its essence is quite simple: your bank account is linked to the SIM card, and you can pay with your smartphone at the points where PayPass works (simply by attaching it with an NFC antenna).

Smartphone as an analogue of a bank card. Initially, this idea was promoted in Russia by i-Free. In it, for the first time, they were able to implement payment directly from a smartphone, without various “adapters” like binding to a SIM card. True, other restrictions appeared in the form of the number of supported models (Samsung is still not on the list of these devices) and a complex installation process. You cannot download the application from the Play Store yourself, it must be sent to you as a push update (as i-Free explained to me, this is a security issue). Another limitation is that you can only pay using a special prepaid bank card account, whose limit is 15,000 rubles.

In addition to i-Free, a similar bundle was announced relatively recently by Samsung and Russian Standard Bank (by the way, I found out that this bank is affectionately called “barsik” on specialized banking forums, quite funny).

In both cases, the payment procedure is the same: you open the application on your smartphone, enter your pin code, and then touch your smartphone to a PayPass-enabled terminal.

By the way, the use of PayPass technology in itself is a payment restriction, since many terminals do not support PayPass.

Convenient ways to pay for applications, licensed content or packages abroad

I know that some users fundamentally do not want to get physical bank cards, others are simply not yet 18 years old, and still others are too lazy to sit in the office and draw up such a card. For such people, there are several fairly convenient services, I propose to talk about each of them in more detail.

Visa QIWI Wallet. The good old and well-known QIWI electronic wallet to which the company is diligently trying to drag its users. It has the ability to create a virtual prepaid bank card, then simply enter its details when paying in online stores or in the Google Play / iTunes Store.

Yandex.Money. This service does not have a virtual card, but they deliver ordinary physical cards quite quickly, which are very convenient to use together with your Yandex.Money personal account (however, I do not recommend keeping a lot of money in this service, there have been cases of accounts being hacked, after which Yandex victims did not get money returned).

Tinkoff Mobile Wallet. Initially, this service was designed to provide quick transfers to friends, but in my opinion, in this niche it failed. On the other hand, when registering a wallet, you get access to a large number of service providers, as well as a Tinkoff.Wallet virtual card. The advantage of a mobile wallet over QIWI and Ya.Money is in a larger number of partners through which it can be replenished without commissions (Svyaznoy, Euroset, MTS, ION).

PayPal. As far as I know, you can fund your PayPal account and then pay for purchases online immediately through it, without additional establishment of separate cards. A side plus of this method is some kind of guarantee that if something is wrong with your package, PayPal will try to solve your problem.

Conclusion

To be honest, I am very pleased that the mobile and banking sectors are gradually moving closer, and perhaps soon we will see the full integration of bank cards into a smartphone. However, at the moment, all attempts by companies to somehow adapt smartphones for payment look more like “cool chips” than serious steps in this direction. An indirect confirmation of my words is the fact that almost all of the payment methods I describe are tied to PayPass, which is currently not very common in Russia (there are many points in Moscow where it is supported, but there are much more places where it is not) .

And what about you, dear readers? How do you feel about using bank cards? Are you waiting for a ready-made solution for your smartphone? Or do you keep all your savings in cash and are not interested in integrating these areas?