Google Wallet. A useful thing you didn't know about

On an annual basis, the number of programs for contactless payments is increasing in Russia. Private enterprises also operate under a similar system. They began to actively use club discount systems, which allow the client to save a little money. The developers of "Wallet" have collected most of the club cards into their arsenal, relieving the user of the need to transport plastic. In this material you will learn how to scan receipts through the Wallet mobile application.

Registration

To get started, download the “Wallet” application from the official store of your operating system. After launching the application, click on the blue “Register” button. Next you need to enter your personal data:

• First and last name;
• City;
• Date of birth;
• Email.

Your personal account will help protect personal information, card details, and bonuses from the hands of criminals.

During registration, you must confirm your phone number and e-mail address. Thanks to this, the program will automatically download the maps you have.

Now you can create cards from other brands. When changing your phone, it will be enough to log into the “Wallet” using your username and password. Access will be restored automatically.

Other Wallet features

If you look at it, Wallet is a unique application. There is nothing similar in the Android OS. Although Google tried to create a copy of the Yabloko wallet. But the original Wallet has complex multi-stage protection and a pleasant interface. In principle, all the main application options have been discussed above, but there are several more functions that have appeared relatively recently in Wallet. The review would be incomplete without mentioning them. For example, students can make an electronic student ID and use it instead of paper or plastic. However, such a cool feature is currently only available to students from the States. And not everyone. But history is silent about when such a function will come to Russia.

In 2022, Wallet added the ability to contactlessly use all cards (payment, bonus, various tickets, student passes, etc.). But again. This option is only available to residents of the United States using Wallet. What is this? Echoes of sanctions? No. It’s just that in the Russian Federation all new products cannot always be implemented due to the lack of hardware capabilities. But soon new iPhone wallet options will be available to users from Russia. True, Wallet will have new ones by this time. That is how we live.

Adding a map

This procedure is carried out in 2 ways:

1. Taking photographs of both sides of the card.
2. Release in the application.

Wallet also has partners whose cards are issued in a couple of clicks. To begin with, the program will check your data with the store’s database. If the number has already been registered, you will receive a card with your existing savings.

The application's partners are divided into categories and displayed on the main screen. By turning on geolocation, you will find the stores closest to you.

Purchasing movie tickets

Few people know, but having purchased tickets on some popular online service, you can add them to Wallet and safely use their electronic copies to enter the cinema. So far in Russia, not many services support this option. But Kinokhod, Rambler, Parter, Tickets, Yandex.Kassa, Kinopoisk definitely support it. You can safely purchase tickets to movies, concerts, and other events and use electronic copies of them from Wallet upon entry.

However, we should not forget that not in all cities of our vast Motherland, employees of entertainment establishments know what Apple Wallet is and why are they suddenly given a phone with some obscure information on the screen instead of a ticket. In the deep provinces, such innovations still cause shock. So don't make people nervous. It is still better to go to a provincial cinema with a classic paper ticket. This will be more reliable and there will be no stupid or unpleasant questions.

Bonuses and promotions

To find out more information, activate the map menu by clicking on the label with 3 parallel lines. In the new window you will see sections like “Promotions” and “Bonuses”.

The message center receives interesting offers from different companies. Turn on push notifications if you don't want to miss promotions from your favorite companies.

In the "Special Offers" category you will find current promotions and valid discount coupons. It is strongly recommended to check it periodically so as not to miss out on great offers and interesting sweepstakes.

What types of cashback are there?

As described above, the program can be used as an information center to search for profitable offers from partners. To do this, you need to go to the “Offers Store” section, and then find the “Discounts” item. For convenience, the companies are divided into several sections. Here you can find offers from restaurant and grocery complexes, cosmetics stores and much more.

To receive a discount, the user must perform the following actions:

1. Select a retail outlet and go to it.
2. On the internal page, you will need to click on the “Issue” button, and then accept the terms of the agreement and click on the “Issue a new coupon” button.
3. After completing the steps, you will have access to discounts and cashback from the store or company.

The system does not automatically add cards, so you will have to work with each plastic card manually. It is not possible to sort each of them into folders, but you can search by name. The showcase contains offers from partner companies - the developers purposefully promote companies with the best conditions and discounts.

Insurance and banks

“Wallet” allows you to take out insurance. The card issued in the application often gives discounts on services. You can also issue a policy at a reduced cost. You don’t even have to sign up for a loyalty card to do this. You can take advantage of the offer in the “Insurance” category.

You can easily issue a debit or credit card through Wallet. Select the desired financial organization from the list of partners, activate the offer you like and fill out a short form.

Airplane and train tickets

Few people know, but using the Apple Pay service in conjunction with Wallet (we discussed what it is a little higher), you can purchase train and plane tickets and easily use their electronic versions for boarding. This is quite convenient and has been used in Europe and the USA for quite some time. In Russia, such an opportunity appeared relatively recently. Moreover, you need to try it. Aeroflot and other carriers can already please the customer with a new option. It's the same with trains. Although some conductors still stare at their smartphones when trying to board the carriage. But it won't last long. Everything will be back to normal soon.

"Wallet Pay"

This is a service designed for owners of Android devices with NFC functionality. With it, you can pay for purchases with one touch. Bank card data will be securely encrypted and protected. The function works with Mastercard, Visa and PCI DSS systems.

How to use?

Wallet Pay cooperates with more than 60 banks. To attach a card, click the plus label in the application, select “Bank cards”. Enter the details in the appropriate windows. Information can also be read via NFC.

To make a purchase, activate your smartphone and bring it to the terminal. Wait for the successful payment message on your phone screen.

You can make Wallet Pay your default payment app. To do this, go to the cardholder and click on the main card. Activate the “Remember selection” button. You can also make the settings in the NFC section: “Touch payment” - “Default payment application” - “Wallet”.

How to scan a receipt using the Wallet mobile app

In order to fully use the scanner, the user will need:

1. Open the application;

2. Go to the “Catalog” section and then to the “Cashback” tab;

3. Select the desired offer from the list;

4. Click on the “Get cashback for a check” button;

5. Then scan or upload your receipt;

Save at least 500 rubles. to your balance in order to then withdraw them to any bank card.

You can also grant access to the cashier. The employee must scan the barcode from a mobile device. The cashier can also enter data manually. After completing the actions, the system should give the client a discount.

The transaction is carried out in the format of contactless payments - while at the checkout, you will need to open a bank card in the “Wallet” and point your mobile phone to the device to accept payment.

But there are some drawbacks - not all retail outlets are equipped with the necessary equipment for virtual plastic. In addition, it may not have a barcode, and cashiers do not want to spend their working hours manually entering numbers into the database.

Perfect Money

The electronic payment wallet has been operating since 2007, allowing you to pay for any services with euro dollars, cryptocurrency and gold - now this can also be done with a mobile application. The system divides users into 3 types: Normal, Premium, Partner.

1. The first status is given automatically after registration.
2. The latter, after a year of using the wallet, have the opportunity to pay less commission when paying and transferring funds.
3. The third status is available to entrepreneurs, businessmen, B2B companies, and is given only after approval from the administration.

Through the Perfect Money application, you can exchange currency, as well as place the service on the online store website so that customers can pay for services. Interest is accrued monthly for storing funds. The average transaction cost is 1.9%. The e-wallet is international and can be used by residents of more than 200 countries. After verification, the owner of the wallet gets access to broader functionality of the service.

Possibilities:

• Payment for any services through the application.
• 3 types of wallets with different functionality.
• Low transaction costs.
• Possibility to pay in dollars, euros, gold and cryptocurrency.
• There is a credit exchange.

What is it and what is it eaten with?

A few words about what Google Wallet actually is. This system is designed specifically for online shopping, and therefore can guarantee you maximum convenience and security.

How does Google do this? The proposed system is not an electronic wallet in the form in which we are accustomed to imagine it, such as, for example, QIWI or Yandex.Money. You can read about the types of electronic wallets here.

When working with them, you need to top up your account, after which you have the opportunity to make purchases and transfer money to other accounts. With Google things are a little different.

All you have to do is link your credit card to your Google account. After which you make payments through an intermediary without entering your personal data each time. First of all, this service is intended for payment on Google Play and other similar services, but can also be used in other places.

Why "Wallet" is not so popular

The application was initially positioned as an opportunity to collect in one place all the plastic cards the user has: discount, preferential, transport, as well as special ones, such as fan cards. According to the developers, this was supposed to save the smartphone owner from a heap of plastic while shopping, and also allow him to quickly pay for various services, for example, refueling a car or food in public catering. In practice, everything turned out to be more complicated than it initially seemed. First of all, there was no infrastructure for the created technologies.

Owners of retail outlets were in no hurry to install expensive terminals, and where they did exist, customers viewed them as something alien and unusual. The second factor hindering the spread of the Wallet application was the rather poor fleet of smartphone models that supported NFC payments at that time. Only some top models were equipped with this module. Over time, the number of devices supporting contactless payments has increased, but there was still a third. Until recently, unlike world-famous services like Android Pay, Wallet did not provide the ability to link a plastic bank card to the gadget. And the choice of organizations for remote release was quite scarce. Finally, as with the introduction of any new technology, errors, hiccups, and unstable operation are inevitable. All areas related to money have increased sensitivity to such things. And there were quite a lot of complaints about the work of the contactless payment system.

Where to go and what to do?

Creating your own wallet is extremely simple. You may already have it, but you don't know it yet. In order to start using it, you must sign in to your Google account. You can do this right away here: https://wallet.google.com.

If you already have an account, simply sign in - you will need your email and password. If you don’t have an account yet, it’s time to create one: find a free email address and create a password. At the same step, you can immediately enter your residential address and details of the bank card that you want to link, but you can do this later. I talked in detail about registering with Google PS in the article “How to create your own email in the leading search engines Google and Yandex.”

I didn’t have a payment card added, so when I first visited my wallet page, the system asked me to do this.

Fill in all the marked fields and click the “Accept” .

If you already have an account and are logged into it, your residential address and credit card information must be added now, otherwise you will not be able to use the wallet. Don’t forget that everything you enter must be in Latin; alas, Cyrillic is not yet possible for Google.)

Please note that there are two addresses: payment and delivery address. If you leave a checkmark indicating that the address matches that specified in the agreement with the bank that issued the card, the delivery address will be filled in automatically. If you uncheck the box, you will need to enter it manually.

Sberbank Online

In fact, the most popular Russian electronic wallet, used by a significant part of the population. In addition to the main account, you can also open a savings account for the convenience of saving money. In addition, you can regulate the amount of the piggy bank for this account, that is, set the amount on top of the balance that you would like to accumulate, for example, 1-2%.

Through the service you can buy or sell gold, silver, platinum, palladium, as well as dollars and euros. In your account you can purchase a new card from Sberbank: gold with “Thank you” bonuses, credit or digital with free service.

Through the application from Sberbank you can make payments for any payments: mobile communications, home telephone, housing and communal services, Internet, taxes and fines, education. To avoid viruses, the application has built-in anti-virus protection. Autopayments are available for quick payment for services.

You can transfer up to 1 million rubles per day from card to Sberbank card. In general, the commission for transferring to a card of a third-party bank or electronic wallet starts from 1%.

Possibilities:

• There is a savings account for accumulating funds.
• Transfer to any card and e-wallet.
• Autopay receipts.
• Quick withdrawal of funds through ATMs located throughout Russia.
• Payment by QR or barcode.

Wallet as a channel for interaction with users

Huawei Wallet is an application from the Huawei ecosystem for storing bank and discount cards, tickets, travel cards and other similar objects.
You can send a discount card or pass to the user using a link, SMS or email. Huawei Wallet can also determine which partner applications are installed and add cards from them. The company that issued the card can manage its characteristics (for example, extend the expiration date or increase the denomination) and send information messages to users. This way you can:

• inform customers about promotions and offers;

• inform ticket holders about flight delays or cancellations;
• use an item in Huawei Wallet as an event ticket;
• transfer the NFC key from the access control system to Huawei Wallet (but this function has not yet become widespread in Russia).

PayPal

Founded in 1998, it is one of the most famous and dominant e-wallets available in the market. With locations in 200 countries and more than 300 million customers worldwide, PayPal makes payments secure, simple and fast. The e-wallet currently supports 25 currencies.

You only need one account to make transactions, and you don't need to re-enter your login information to make repeat purchases. The PayPal app is available for Android and iOS platforms.

There are 2 levels of PayPal account: "Personal", for those who just want to buy things online or send money to friends; “Corporate” is good for those who manage companies and work with full-fledged online stores.

The PayPal app has a QR code feature that allows others to scan your phone screen to pay you, or vice versa. One of PayPal's strengths is PayPal's purchase protection policy. This is almost an iron-clad guarantee from the company: you will either receive the goods and services purchased or get your money back.

Possibilities:

• Works internationally.
• High level of security.
• Integration of the service into a business website.
• Quick access to your account through the mobile application.
• Personalized invoices via email.
• Business pages for paying for services.

What's the best reward card app?

Rating of the best Android applications for discount cards

• Virtualcards - customer cards
• Wallet. Discount and bonus cards
• Stocard.
• Discount cards - PINbonus.
• Discount cards in your phone - getCARD.
• Mobile-pocket discount cards.
• QIWI Bonus - discount cards
• Cards - mobile wallet

13 Jan
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