How to pay by phone on Android, iPhone, Samsung instead of a Sberbank card

The smartphone today replaces the telephone, computer, notepad, and more recently has also become a means of paying for purchases. This option became possible thanks to the advent and spread of NFC technology or near-field communication. If your smartphone supports the function, you can create an electronic copy of your bank card and pay without contacting the terminal. In the article you will find recommendations on how to set up NFC for payment with a Sberbank card.

In Russia, contactless payment technology first appeared in 2017. Over the course of 2 years, NFC has spread throughout the country; today, almost all stores are equipped with terminals capable of reading data not only from a card, but also from a digital device. The service is supported by the largest banks in Russia: Sberbank, Tinkoff and others. All payments are safe, since transactions are carried out virtually and do not leave “traces” that could be tracked by fraudsters.

How contactless payments are made

It is possible to pay for a purchase using a mobile device, provided that it has an NFC module that emits the same signal as the card. There must be a microchip at the store checkout, which can be used to make contactless card payments.

The NFC module is available in phones from manufacturers: • Android Pay; • Samsung Pay; • Apple Pay. Not all cards can be used with NFC. You can only assign a MasterCard or Visa payment card to your phone.

Compatibility check

To enable contactless payments, you must install Android Pay. Before you find out how to connect NFC Sberbank, make sure that your smartphone or tablet supports the technology. How to do it? You can find out about the presence of an NFC chip in Xiaomi Redmi or Samsung on the back cover of the device or battery in the form of the “N” logo or the inscription “Near field communication”. In addition, NFC support is indicated in the device description or technical description on the website.

Activating NFC on Android

Before you learn how to connect NFC for Sberbank payments, you need to enable the function on your phone:

Open the "Settings" section.
Click on the “More” item.
Find the NFC line and activate the option.

That’s it, the device is ready to make payments using a smartphone, not a card.

How to pay by phone on Android instead of a Sberbank card

To begin, NFC is activated on your phone: 1. In the settings, go to “Connection and sharing.” 2. There is a slider near NFC; you need to move it for the module to turn on.

Adding a card: 1. Add Google Pay from the Play Store. 2. Open the installed Google Pay application, enter “Payment”. 3. Click “Payment Method”. 4. Enter the information on the front side of the card (number, expiration date). 5. Save.

If you need to confirm the card, this is done by test debiting the money.

What to do if payment via NFC does not work

There are quite a few reasons. Moreover, they appear like mushrooms after rain. Especially recently, characterized by an increase in the number of model names using this option.

I suggest errors and troubles wandering around the forums, from which a way out was found. Perhaps this will help someone.

Simple jambs. Here are the shortcomings and errors of the user himself.
The balance on the linked card does not allow payment.
NFC chip is disabled in settings.
There is no required logo on the terminal, and you are breaking into a closed gate.
And the card of your bank, that... Not supported.
Software errors.
If the payment does not go through for some unknown reason, it is not classified, there is a way out. Try doing a so-called software reset. Remove the linked card from your account and register it there again. Sometimes it helps.
Does not connect to the payment system. Restart the application, there may be glitches in the utility itself.
Technical. Error 56 is known in the Apple Pay app.

Indicates that the NFC module is faulty. In addition, there are cases when an incorrectly oriented device with a chip refuses to work with retail equipment. Try changing the position of the phone.

I’ll end here, since the article is not flexible and it will not be possible to fit everything here. Look for a simple solution; you will think about a complex one only in case of failure.

How to pay with an Honor phone instead of a Sberbank card

After enabling the NFC module in your phone: 1. Go to the “Settings” of your phone. 2. Go to “Device Connection” and then to “NFC”. 3. Tap the switch icon to enable the NFC module. There is an easier way to enable the NFC function - on the main screen, swipe your finger from top to bottom so that the Notification Panel shade goes down, and then tap on the “NFC” icon (it will change color).

Linking a bank card: 1. Download and install the Google Pay application. 2. Move your finger from bottom to top to raise the bottom of the screen - at the bottom there will be a “Default payment application” and on the right is Google Pay. 3. Click on the “Google Pay” icon on the main screen. 4. Click on “Start” (at the bottom of the screen), after which the camera on your phone will automatically turn on. 5. Point the camera at the bank card and scan. 6. Enter the numbers from the back of the card into the “CVC”. 7. Click on “More” at the bottom of the screen. 8. Enter the name of the card owner (as on the front side of the card, in Latin letters), click “More”. 9. Enter your phone number - “More”. 10. “Save.” 11. Click “Accept”. 12. An SMS with a confirmation code will be sent to the specified number, which must be entered and sent.

On Android

Connecting a Sberbank card to the Google Pay mobile service is free and does not require any time. The service is reliable in terms of security: the NFC connection is secure, information on cards and transactions is not saved on the phone.

To know how to pay via NFC from an Android phone, you need to understand that there are some device requirements.

Android 4.4 and higher;
official Android firmware;
disabled Root rights;
presence of an NFC sensor.

To make payments via NFC from a phone, terminals in stores must accept contactless payments, which is indicated by an icon on the device screen or special stickers at the cash register.

NFC connection

To use contactless payment, the smartphone owner must make sure that his device supports NFC technology. To do this, it is recommended to do the following:

open the smartphone settings, make sure there is an NFC or “Contactless payment” item;
check for the NFC logo on the back of the phone or in the battery area under the cover;
find the instructions for the phone, make sure the Near Field Communication or NFC item is available.

Not all manufacturers place the NFC logo on the phone, but this technology must be indicated in the settings or instructions, otherwise you will not be able to use contactless payment.

How to set up NFS on Android for Sberbank and other payments:

Go to your smartphone settings, “Wireless” or “Connections”.
Find the tab with NFC, move the slider to the “On” position.
If your smartphone has a “Contactless payments” option, you need to check the application that is used by default for payment.

NFC is left enabled by default to avoid wasting time turning the service on or off. You don’t have to worry about your device’s battery or memory: NFC does not use the smartphone’s resources.

Adding a card to Google Pay

To pay for purchases using NFC, the user must have the Google Pay application on their phone; otherwise, it is installed through the Play Market. Connecting a Sberbank card to a payment service is carried out in two ways: through the bank’s application and in the Google Pay program.

Setting up the Google Pay app:

Install the Google Pay app.
Open, go to the “Payment” section.
Activate the "Payment Method" button.
Add a new card: take a photo of the front side or enter the information manually: card number, expiration date, last name and first name, CVV code on the back side.
Next, the owner provides information about himself: place of residence, zip code, phone number, and agrees to the terms of use of the program.

The application checks the entered information, for this the information is sent to the bank, and an SMS message is sent to the phone. If all the information is correct, the card is added to the application. If not, the application reports an error and recommends trying again.

Connection to Sberbank Online

In the bank's application, the user can independently pay bills, manage cards and make purchases using a contactless chip. How to connect NFC to Sberbank Online:

Install the bank application from Google Play.
Perform authorization, go to Sberbank Online.
Open the desired card with which to make the payment.
Find and activate the “Add to Google Pay” item.

This method is convenient because you do not need to enter the card data yourself; they are automatically entered from the bank’s application.

Advantages of payments via NFC:

the connection is encrypted with the SSL protocol, card information is not sent anywhere, a virtual account number is used for payment.
fast payment;
no need to fuss with cash and change;
for payments via Android Pay, additional bonuses are sometimes awarded and promotions are held;
all bonus programs on the card are preserved;
Any Visa or Master Card is supported.

How to pay with a Samsung phone instead of a Sberbank card

NFC is available on Samsung models released in 2022 and later. You can assign a card to your phone using the Sberbank Online or Samsung Pay application.

Through Sberbank Online: 1. Download and install the Sberbank Online application. 2. Log in to Sberbank Online, find your card and in its description find the service for adding to Samsung Pay. 3. Automatic launch of the program (it already contains all the details). 4. Confirm registration.

Through Samsung Pay: 1. Register an account on Samsung Account. If she's not there. 2. Enter the main menu of Samsung Account, then go to card activation. 3. Write the number, the date until which the card will be valid, and the name of the owner or scan it with the phone’s video camera. 4. Confirm your agreement with the clauses of the Agreement. 5. In the settings section (phone settings), select the personalization method - pattern or fingerprint.

Where to find a SberPay virtual number

In some cases, when paying for goods and services using SberPay, the seller may require you to provide a four-digit virtual number.
To find them out, launch your Sberbank Online, log into the card that is connected to SberPay, and select “Settings” in the window that opens.
Next, select “SberPay”. Information about the virtual number and its last four digits will be displayed.
We recommend that you remember or write them down, these will be the required 4 digits of the virtual number that will be needed for payment.

How to pay by phone instead of a Sberbank Mir card

It will not be possible to pay for purchases contactlessly from your phone with a Sberbank Mir card, since its payment standard is not supported by the NFC function. How to pay with a Redmi phone instead of a Sberbank card Enable NFC by first setting “Use HCE Wallet”. Then add a card. The bank will send an SMS code to confirm it.

Contactless payment for purchases using a mobile phone is a simple procedure: 1. Enter a security password or attach your finger (fingerprint as a password). 2. Bring the phone closer to the terminal and wait for the sound signal. 3. After which the money for the purchase will be transferred within a few seconds, and an SMS notification about the withdrawn amount will be sent to your phone. After payment, you must save the receipt.

How to pay with Google Pay

If all stages of connecting and setting up NFC Sberbank are completed correctly, contactless payments are now available to you. Instructions on how to pay for goods using Google Pay:

Unlock your phone.
Bring it to the payment terminal.
If the payment is completed, the message “Ready” will appear on the device screen and a characteristic sound signal will sound.

Sberbank and the Google Pay service guarantee the security of transactions. When you swipe a card, its data is not saved in your smartphone, so you don’t have to worry that your money will be stolen.

For more information on how to set up NFC on Android, see the link:

Benefits of the service

A Sberbank client’s smartphone with a mobile application installed operates similarly to contactless plastic cards.

The most significant advantages include:

instant transfer of funds to the seller's account;
maximum level of security;
free provision of Sberbank contactless payment services;
the technology is used everywhere where payment terminals are installed.

Additional advantages include the absence of the need to take a plastic card with you (the installed application provides an additional opportunity to save cashback and discounts).

Contactless payment with Apple Pay

The payment tool was developed by Apple for devices based on iOS (phones from the iPhone SE and all subsequent models are used to make payments in a store, restaurant, etc.) and on the Apple Watch. For correct operation, the device must have Touch ID and an activated iCloud account. The program works with Visa and Mastercard.

To connect to iPhone

In Sberbank Online, find the “Connect to iPhone” item, add the card to “Wallet” in the gadget. When choosing this method, you do not need to specify the payment method details and additional confirmation via SMS.

Using the “Wallet” icon on your device, do the following:

Make sure your mobile banking is connected. If the service is not available, activate it through the nearest ATM.
Select “Wallet” on your mobile device and click “Add a card.”
Transfer the information yourself (or use your phone camera to scan it). Fill in the fields with your personal data (last name and first name), as indicated on the front side of the card, indicate the expiration date and security code (three digits on the back).
Accept the terms of the user agreement and wait for a message with a digital password. The code must be entered into the cell and thus complete registration in the program.

To make contactless payments using your smartphone, press your finger on Touch ID and touch the handset to the terminal. A sound signal from the terminal will indicate successful debiting of funds.

To connect to Apple Watch

Use the “Connect to Apple Watch” item in Sberbank Online on iPhone and follow these steps:

Indicate the card in the Wallet application on your smartwatch and monitor the change in card status on the main page. The method does not require additional actions for identification.
Make sure that mobile banking is linked to a payment method. If the service is not available, activate it at the nearest ATM.
Open the Apple Watch app on your phone, select Wallet & Apple Pay, add a card, enter your security code, and click Next.
Accept the terms of the agreement and confirm the correctness of the specified data using the code from the SMS.

To make a calculation using a smartwatch, you need to double-click the button on the side, attach the watch display to the terminal and wait for confirmation of the successful operation.

The payment system is used to make payments on devices such as iPad, MacBook Pro (only with a fingerprint scanner) and Mac computer (models older than 2012 and synchronized with an iPhone or smartwatch). However, using these devices you can only pay in programs (including the app store) and on the Internet, provided this opportunity is provided by the site. To implement this feature, find Apple Pay, double-check that the purchase was completed correctly, and press Touch ID (or press the button on the side of your watch twice). When the payment is processed, a check mark and the word “Done” will appear.

Using Apple's payment method is free. The company's security and privacy policy does not allow data to be stored either on devices or on the server.

SberPay writes “Try in 5 minutes or later” - what to do

When you try to add a card, you may receive an error message asking you to try again later. As it turns out, this is a common problem with a fairly simple solution—just try a few more times. My card was added only after six futile attempts. If this method does not help you, you should reinstall the application and restart your smartphone, and then try again.

Setting up NFC modules for making payments from a smartphone

Before setting up the modules necessary for contactless payment on your phone, you need to check whether it has built-in settings. They are usually displayed in the operating system.

You can find NFC modules as follows:

View the list of settings on your smartphone;
Go to connection settings;
Check for NFC.

Depending on the model and brand of the phone, as well as the version of the operating system, NFC modules may be located among wireless networks or simply connections.

NFC settings are connected for payment with a Sberbank card in a specific order:

We find the option according to the previous steps described;
Activate the modules;
Install a suitable application for payment with a smartphone;
We load the details from the plastic card into the application;
We set up a payment system for the specified card.

The best applications for paying with a Sberbank card using a smartphone: Yandex Money, Visa Qiwi Wallet, Apple Pay, Sberbank Online, Google Pay.

Pay with a glance or touch of a finger

Sber has the opportunity for clients to make payments based on biometric data. To perform payment transactions, you do not need a smartphone or card; recognition occurs in a special terminal using your face or fingerprint. If the payment exceeds the amount of 1000 rubles, you will need to enter a PIN code, as with regular payments from your phone.

Biometrics are submitted at the bank office or through the application. Facial data is scanned and stored in digitally encrypted form. The reliability of such a system is about 99%. It is impossible to deceive the system by slipping in an ordinary photograph of a client. Special sensors detect the face, so photo scams do not work here. In the future, this system will recognize faces even in old age.

What is needed to connect SberPay

In 2022, Sberbank’s own payment service, Sberpay, was launched. It is designed for fast and secure payment for purchases in various ways, including by telephone, using NFS technology.

In order to connect this service, you will need a smartphone with a version of Android no lower than 7.0. The phone must have an NFC module installed. Work is carried out only with cards of Visa or MasterCard payment systems. MIR bank cards are currently not supported.

Is it possible to link a card from another bank to SberPay?

Many clients are concerned about whether it is possible to connect cards from other banks to the service. Unfortunately, this is currently not possible, since the Sberpay application only works with Sberbank banking products.

How to link a card of any payment system to SberPay

Sberbank bank cards are issued with the assistance of payment systems such as Visa or MasterCard. All these products, except MIR cards, are linked in the service according to the usual scheme:

Log in to Sberbank online and turn on the application
Find the card you need in the list and click on it.
Add a card to the service by confirming it with a code from SMS.

How to connect and configure?

To use a mobile phone instead of Sberbank cards, you need to connect an NFC module. The algorithm is like this:

Unlock the device.
Go to the “Settings” section.
Open the “Wireless Networks” section.
Click on “More”.
Find the line "NFC".
Click on the enable command.

NFC Sberbank for Android

After connecting the technology, you need to go to the store and download the utility. For Android – Google Play store. In “Settings” in the “More” section you need to check the box to allow data exchange. You also need to check the line “Android Beam” - automatic activation. You can also make manual adjustments by tapping your finger on the line.

Contactless payment with Samsung Pay

Samsung Pay is a technology developed by Samsung Corporation specialists and has expanded functionality compared to the Android payment system. Phones, in addition to the NFC module, also work with MST technology. Magnetic Secure Transmission – literal translation of “magnetic secure transmission”, allows you to connect to terminals of previous generations. Those. You can make payments almost anywhere. In Russia, 17 models of Galaxy and Gear series telephones are working with the program. Attention: Samsung Galaxy S6 edge (G920F) and Samsung Galaxy S6 (G925F) only support NFC.

Gaining access to the platform is possible:

through your Sberbank Online personal account on your smartphone. To do this, go to the application, indicate the required card, select the “Add to Samsung Pay” menu item and follow the guide.
through the installed Samsung Pay application. Check the gadget's software version and, if necessary, update manually through the "Settings" menu item. Read the instructions for the device if you have any difficulties updating and need help. Then use the program icon and indicate your activated account, or, if missing, create a new one. Add a debit or credit card and accept the bank and Samsung agreements. Wait for an SMS with your password to complete registration. Be sure to set a signature that identifies you - both a fingerprint and a PIN code are used. To comply with security regulations, do not provide data to others and do not allow others to activate fingerprints in the system. The application works with Visa and Mastercard. It is possible to link 10 cards (maximum). To make payments using your phone, swipe up from the bottom of the screen (both locked and active), go through the identification procedure (using a fingerprint or PIN code, depending on the previously selected method) and touch the device to the terminal. If you need a plastic card PIN code to make a payment, enter it at the terminal.

The provided application works without charging any fees.