Many banks offer their issue of so-called virtual cards to ensure security. Most often, in practice, there is no plastic one as such, the bank informs the owner only the data necessary to enter when making a payment.
The advantage of these cards is that you can only transfer the amount that you plan to spend on a purchase.
You can pay for many services with a bank. To do this, you need to select the “Payments” section in the system interface, find your own and make a payment, entering the necessary data at the request of the system interface.
As an additional identifier when making a payment, a one-time or permanent password, a variable code from a scratch card or a check from an ATM, or another, depending on the bank, may be required.
When paying for a purchase with one or another electronic payment system, select the appropriate payment method. You will be prompted to log in to the system, enter the payment amount (in some cases it may already be entered automatically) and go through additional identification, depending on the specific system.
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Sources:
- how to pay in online stores in 2019
Not so long ago, the wages of working citizens were issued only in their hands. Now receiving a salary on a bank card has become so familiar that many have already forgotten about the queues in the accounting department, in which they used to stand for hours.
You will need
- - a plastic card;
- - an agreement with the bank.
Instruction
You can receive a salary on a debit card opened in any bank. Different banks offer separate benefits for their cards and are constantly developing new products for their customers. A person who wants to open a card account has the opportunity to choose the most favorable conditions for himself. Money is credited to the card account in the form of salary funds or other payments made in a non-cash way.
There are no special cards that are intended solely for receiving salaries. Enterprises draw up an agreement with a bank, according to which an individual bank account is opened for each of the employees. Wages, bonuses, and other payments will be transferred to it in a non-cash way. The annual maintenance of such a card is covered by the company.
Pay for purchases with a salary card - it's very simple and convenient. In a store where the possibility of paying with cards is provided, after the cashier generates a check, you will need to insert the card into a special device and dial the pin code. The purchase amount will be automatically deducted from your account. If you have activated the "Mobile Bank" service, all information on the movement of funds on the account will be immediately sent in the form of SMS. Usually, when buying with a card in a store, a commission, unless otherwise specified in the contract for servicing the card.
The whole procedure for paying for a purchase is approximately as follows: after calculating the total amount of purchases, you need to confirm your consent to debit these funds from your account. After entering the pin code, the money is debited from your account and transferred to the seller's account. A few minutes later, an SMS arrives on the phone, which contains general information about the operation performed on the account.
When paying for purchases in online stores, you don’t even need to take a card in your hands. Also, you do not have to enter details into the form, and this operation does not always go through the first time, since it is easy to make a mistake in a large number of numbers when typing. All you need to type in the order form is the card number, and sometimes only the phone number to which the card is linked. After the application is approved, an SMS will be sent to the phone with a confirmation code, which will need to be entered in the appropriate box.
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note
The main advantage for cardholders is that they have the opportunity to make various purchases, pay traffic police fines or utility services, various taxes, and make a lot of other payments without using cash.
Helpful advice
Use one-time passwords to pay for purchases via the Internet, which can be obtained from an ATM when you select the appropriate option. They can also be sent by the bank to the phone number linked to the card.
Plastic cards quickly and confidently begin to displace conventional banknotes. This is due to the fact that more and more services are acquiring an "electronic nature", and it is much more convenient to pay for purchases in a hypermarket or an online store with a plastic card.
You will need
- Passport, application form, income statement (optional)
Instruction
Before proceeding with the design of the card, it is worth deciding for what purposes it is issued. the fact that the card owner's funds are credited to it, and the bank's funds, which the owner then uses, are credited to the credit card. There are also several types of debit cards, firstly, these are debit settlement cards, i.e. they have as many funds as the owner, and secondly, debit with, i.e. when the card approaches zero, the bank provides a small one for this, thirdly, debit - salary cards, these are cards for the issue of which the organization in which the card owner works is responsible. Salary cards can be either with or without an overdraft, depending on the type of agreement concluded between the organization and the bank. You should also distinguish between card types, these can be Visa Electron, Visa Maestro, Visa Gold, etc. Each of these cards there are a number of features. To determine the type of plastic card, the owner must clearly understand for what purposes he draws up map whether he will be able to contain it, tk. for the maintenance of the card, a certain amount is also charged, which is assigned by the bank.
After choosing the type of card, it is necessary to prepare documents for its issuance. These documents include a passport, you may also need a certificate of income (not always necessary), an application form for issuing a card. Next, you should go to the bank branch where the card will be issued and contact the manager who issues map. The application form can be filled out directly at the bank branch with the help of a manager, in order to avoid mistakes when filling out the form. Submit the documents and read the agreement for issuing and servicing the card.
The term of the card in banks is different, on average it is 7-10 business days, in some branches it can be 3 weeks, and in some even less than a week. After issuing the card, you must apply to receive it at the same bank branch where the registration took place, check the details of the owner (last name, first name and patronymic in Latin), and put your signature on the back of the card in the area of \u200b\u200bthe white stripe. In addition to the card, the bank is obliged to provide an agreement for servicing the card, and an envelope with a pin code.
note
Carefully read the contract, because. banks themselves set the cost of servicing and other expenses on the card, in what cases and when the card is replaced, how other situations are blocked.
Helpful advice
When choosing a type of card, use the information from the official websites of banks, because. it is the most objective way to make a choice.
Today, every minute is precious, and therefore it is impossible to do without such necessary and reliable payment methods as plastic ones. You no longer need to fill your wallets and pockets with cash, going on a trip or visiting your beloved relatives. Opening a debit plastic card eliminates the need to carry cash with you.
Not a card, but a wallet
A debit card is essentially your electronic wallet in which you can store any amount of your funds. And this money is always under reliable protection - it will not disappear or be lost.
Debit (from Latin debet, “he must”) - in this case, the amount of your own funds that are deposited with the bank and to which you have direct access (that is, these funds are not a deposit or credit mass).
Externally, debit bank cards are no different from credit cards. The fundamental difference is that the money withdrawn from a debit card is spent from your personal - debit - bank account. The balance on these cards should only be positive, and the operation of debiting funds at the time of payment by card in a store or, for example, a restaurant will only take place if you have enough money in your account.
However, there is a nuance, some banks offer debit (usually salary) cards with an overdraft, i.e. a small credit limit that you can use if your own funds are not enough to pay.
The advantage of using debit cards is that there will be no extra money spent, and you will not remain indebted to anyone.
Usage
With this card you can:
- make quick purchases on the Internet,
- purchase traveler's checks,
- pay for various goods in supermarkets,
- skip the queue and quickly withdraw cash at quick service points - at ATMs,
- pay receipts and bills for utilities and other services,
- pay in any country of the world without exchanging currency.
Employers can even quickly transfer salaries to the card. In addition, banks and airlines have joint projects, thanks to which you can receive discounts when using debit cards, or cashback - charging a certain percentage of the amount of your purchase, which is returned to your account).
Types of cards
Debit cards are different - some can be used worldwide (international cards), while others can only be used in your home country (local).
Any commercial bank should provide its customers with the opportunity to select several types of cards of their choice.
Getting a debit card is easy. Bank cards are issued to individuals over the age of 18 on the basis of an identity document.
To begin with, decide for the purpose of using the card, whether it will be intended for travel or for paying for purchases. Usually, for international money transactions, Visa or MasterCard payment systems are chosen. Cards that circulate only within the borders of Russia have the inscription "valid only in Russia".
Each card has its own personal PIN code, withdrawals and payments are made only after entering this unique password. In the event of a sudden loss or theft of your card, you must immediately inform the bank about everything in order to block it and then restore it.
Sberbank offers three types of cards - debit, credit, and special partner cards. Each card has its own features as well as benefits. All cards are issued within the Visa, MasterCard and Maestro payment systems.
Types of cards in Sberbank
The first thing to do before ordering a card is to decide on the most suitable type. It is better to do this based on your own requirements for the functionality of the card and take into account the annual service.
Today, Sberbank offers a wide range of debit and credit bank cards that differ in functionality and cost of annual maintenance.
Non-personal cards Momentum Visa Electron and Maestro (free service) - basic cards for cash withdrawals and purchases in Russia.
For Momentum Visa Electron and Maestro credit cards, the maximum credit limit is up to 150 thousand rubles, for other cards - up to 600 thousand rubles.Their main advantage is instant issuance, but it will not be possible to use it abroad.
Classic cards Visa Classic and MasterCard Standard (annual service cost: 750 rubles per year) are the most common types of cards with a basic set of functions. They allow you to make payments and pay for purchases by bank transfer. This card is chipped, which allows you to use it for purchases while traveling abroad.
Visa Electron and MasterCard Maestro electronic cards (annual service cost: 300 rubles per year) are distinguished by a basic set of services with a minimum service cost, and are issued as part of payroll projects.
All cards provide the ability to remotely manage a bank account through the Mobile Bank and Sberbank Online @ yn services
Gold cards (annual service cost: 3000 rubles per year) - status cards with an additional set of privileges. These customers receive premium service.
Premium cards "Sberbank Premier" Visa Platinum and World MasterCard Black Edition (the cost of service within the tariff plan "Sberbank Premier" - up to 5 cards - free of charge) - a prestigious card with a high level of service.
For those who often make payments online and make purchases on the Internet, you can order virtual cards without a physical medium. The cost of annual maintenance is 60 rubles. in year.
If you want to get additional benefits from using the card, then you can issue partner cards at Sberbank. With the Gift of Life card, everyone can contribute to charity. It helps fight cancer with every purchase.
For those who travel a lot, the Aeroflot Visa Gold & Visa Classic card is suitable, which allows you to earn miles with every purchase. And when issuing an MTS MasterCard Gold & MasterCard Standard card, bonus MTS Bonus are accrued, which can be exchanged for various goods and communication services.
How to get a card from Sberbank
There are two ways to order a card - by filling out a questionnaire during a personal visit to a bank branch or by filling out an application online on the website. Don't forget to take your passport with you when visiting the bank. When applying for a credit card in addition to identification documents, you must provide a certificate of income and an additional document of your choice (TIN, SNILS, rights, etc.) The application will be considered by Sberbank for 2 days.
For registration, you need to go to the bank's website www.sberbank.ru in the "Individuals" section, select "Bank cards", then "Debit" or "Credit". Next to each card, you'll see a "Debit Card Online Application" link. To apply, you must fill out an online application for a card. After that, it remains only to wait for further information from the bank.
It takes up to two weeks to produce a card, after which it can be picked up at a bank branch.
Sources:
- order a Sberbank card via the Internet
The technology with which contactless payment takes place has successfully supplemented the rich arsenal of capabilities of modern smartphones. More and more buyers leave their wallets at home and boldly go shopping at the nearest supermarket, choosing their phone as a means of payment.
First you need to make sure that the manufacturer has endowed your smartphone with contactless payment technology. Its presence can be judged by the abbreviation NFC in the characteristics of the gadget.
How to setup
Depending on the device you are using, the name of the payment application will be different. apple pay for IOS based devices, android pay- for mobile gadgets based on Android and samsung pay- for devices with the same name.
All that is required for setup is to link a bank credit or debit card to the application, from which funds will be debited at the time of payment.
How this technology works
When there are two NFC-enabled devices within range of each other, they can transfer payment information from one to the other. This is similar to how Bluetooth works, however NFC works over shorter distances and uses less power.
To make a payment using a smartphone, the payment terminal itself must also be equipped with an NFC module. Readers capable of accepting payments via a smartphone, in addition to stores, are also successfully used in the subway.
To pay, you need to bring the phone with the included payment application to the minimum distance to the terminal (no more than 10 cm) and tap on the payment label.
How secure are payment details?
Of course, the danger of theft of payment data exists, but it is so insignificant that it is given only a couple of sentences for the scope of this article. The technology itself involves the contact of two devices at a very close distance from each other. A potential attacker must have time to bring his reader to your smartphone at the time of payment at a distance of no more than 10 cm, you are unlikely to notice this.
The rest of the time, keeping the function active does not make sense. All thoughts about the dangers of using NFC are nothing more than speculation on the fears of ordinary users and a simple search for information.
