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The contactless payment system Apple Pay is increasingly gaining popularity. Many users are already starting to take advantage of the bonuses that the service provides. Apple Pay saves time by simplifying the transaction process, and also significantly increases the level of profile security, reducing the risk of hacking by attackers.

The numerous advantages of the payment system encourage everyone large quantity users start using Apple Pay. This raises the question: which phone models support Apple Pay?

Which smartphone models support Apple Pay?

So, correct work systems will be provided only for following models iPhone:

Apple Pay goes to any smartphones on the list. Using the above phone models, you can make any payment transaction via Apple Pay. New models Apple smartphones don't require additional conditions for the application to work.

Does the system work on older smartphones?

It's worth figuring out which older phone models Apple Pay works on. Unfortunately, there is no service and it cannot be installed, but with the help of these models you can set up Apple Pay on. However, you will not be able to pay for purchases using older phone models. This is due to the fact that later models do not have an NFC (Near Field Communication) module, thanks to which the program operates. The contactless communication system allows the client to pay for purchases while being at a distance of 20 cm from the ATM or payment machine.

This is how Apple Pay works - the answer to the question “which phones support the system” lies in the presence of this module.

Because of NFC technology works at some distance from the terminal, many are worried about the security of the profile. It is worth saying that Apple Pay has strong security, which requires entering one-time password when logging in, as well as confirmation using Touch systems ID on your device. An attacker will not get into your account.

How to use Apple Pay on older models?

Now you know which smartphones support Apple Pay: models equipped NFC module. If you don't have a new phone from this company, don't worry: there is a way to allow older models (iPhone 5/5s/5c) to work with the application. Required condition is the presence iWatch. It is worth considering that only models such as iWatch 1st generation are suitable for iPhone 5/5c and iPhone 5s, iWatch series 1 and iWatch series 2.

However, many who are wondering “which phones can you install Apple Pay on” do not know that using older device models (iPhone 5,5c,5s) you can link your account to your watch Apple Watch. To set up Apple Pay on Apple Watch, you need to:

Now you know which devices support Apple Pay and how to set up the service on your smartphone.

Apple Pay universal system contactless payments, which was developed by Apple in 2014. The advantage of this development is that it is compatible today with many contactless readers, such as MasterCard PayPass or Visa PayWave. This system mobile payments is supported by a number of devices from the Cupertino company, but we will only highlight iPhone models, on which it can function this system.

To smartphones that support the tool mobile transfers Money, special built-in NFC chip, which allows you to exchange data on a short distance. Such a chip was not installed in earlier flagships, so a problem arises in using the mobile transaction system on some devices from the Apple company. Let's look at which iPhones currently support contactless payments:

  • iPhone 6/6 Plus;
  • iPhone 6s/6s Plus;
  • iPhone 7/7 Plus;
  • iPhone SE.

To the disappointment of many users, the revolutionary iPhone 5, 5c and 5s do not support Apple Pay. The only one possible solution For owners of flagships of the fifth model, this is to use the development of the Cupertino company using the Apple Watch smart watch. To do this, just synchronize your iPhone 5 with your smartwatch.

How to connect Apple Pay Sberbank on iPhone

In order to connect the contactless payment system, you need to install the Wallet application on your phone, authorizing it using your personal Apple ID. After successful login you will be able to add payment card. Having selected the appropriate function, the user will be asked to take a photo of his personal bank card. You can opt out of this method by entering all the data manually.

Next, you will need to confirm the entered information by entering a code that Sberbank will send to the user’s number. If words such as “Card is activated” appear on the screen. MasterCard Standard card is ready for Apple Pay,” then you can begin to successfully use the contactless payment system.

Contactless transactions for Sberbank clients

For Sberbank clients, connecting the contactless payment function is much easier and faster. All you need to do is launch the Wallet application and select the appropriate bank card, which will automatically appear in the wallet collection.

Owners of synchronized smartwatches will immediately receive a notification after activating the card on their iPhone, prompting them to add this map to the device. The program will prompt you to come up with a small password, after which the user in the Wallet application will be able to add a card by first filling out necessary information. The only thing you need to do is confirm your identity again by entering the code from the SMS from Sberbank.

The iPhone has built-in support not only for Sberbank, but also for such popular financial institutions as VTB 24 and Alfa Bank. The setup is done in the same way as in the case of Sberbank.

Using the system

Let's look at the different ways to use a mobile payment app. After activating the card, you can safely start using this system, paying for purchases in supermarkets and stores. To do this, just bring your iPhone to the terminal without opening the Wallet application. The phone will automatically recognize payment device and will offer to use a fingerprint scanner. After the user touches Touch ID with his finger, the money for the corresponding purchase will be withdrawn from the bank card.

It is worth remembering that the scope of use of the apple company’s development is quite wide. The tool has been developed for users to facilitate any activity related to transactional payments. Anyone can make purchases in an online store in one click, as well as use various services add-ons in a special application store. Now you can pay for any service by touching Touch ID with your finger.

Mobile transactions are a unique development that can greatly simplify the life of any person, allowing him to make any purchases and payments in a matter of seconds, without worrying about security at all.

Apple Pay is a contactless mobile payment system created by Apple. This system was first demonstrated on September 9, 2014. Near Field Communication technology, also known as NFC, is supported by most mobile devices Apple, in particular the iPhone 6/6 Plus, 6s/6s Plus, SE, 7/7 Plus, 8/8 Plus, X, XS, XS Max and XR models, as well as all models of Apple Watch smart watches.

In contact with

The technology allows you to pay for purchases, including on the Internet, using wearable gadgets. Apple Pay is compatible with Wallet, and you can use fingerprint recognition technology for security finger touch ID (or Face ID on iPhone X, XS and XR).

The system allows you to make payments from cards using wireless communication Apple instead of magnetic stripe. To confirm the payment, a Touch ID fingerprint sensor is used or double tap via Apple Watch. The card for payment is selected in the Wallet application.

However, on phones that are not equipped with NFC, such as the iPhone 5, 5C and 5S, Apple Pay can be used using the Apple Watch. When you put on your watch, you'll need to enter your Apple Pay PIN.

The system does not transmit data of connected cards when paying; instead, it uses dynamic code security. If you lose your device, you can turn off the system using Find My iPhone.

Despite the fact that users are not charged a commission for using the system, banks still deduct Apple certain percentage of each purchase made using the service. In Russia, the commission is 0.05% of purchases made with debit cards, and 0.12% for credit cards. In addition, banks pay 45 rubles per year for each card connected to the service.

Apple Pay Cash will launch in 2018, allowing you to transfer funds between cards added to Apple Pay using iMessage.

Currently Apple time Pay supports contactless readers such as Visa PayWave, MasterCard PayPass, and American Express ExpressPay.

Every day more and more people are declaring support for the system. retail chains and banks. Apple Pay is compatible with common credit and debit cards, issued by the largest credit institutions.

To work with the system, you just need to add a supported card and then pay using the gadget.

If your bank is not yet supported, keep an eye out Apple updates. Perhaps soon it will appear on the list of supported credit institutions.

Currently, Apple Pay is available in countries such as Russia, Finland, China, Japan, USA, Canada, France, Sweden, Switzerland, Italy, UAE, etc.

Which banks in Russia support Apple Pay

  • Bank "AK BARS"
  • "Aksonbank"
  • "Alfa Bank"
  • Aresbank
  • Binbank (including cards issued by MDM Bank)
  • Bank "Devon-Credit"
  • Bank opening"
  • Bank "AVANGARD" ( credit cards Mastercard and Visa)
  • Bank "Round"
  • Bank "Saint-Petersburg"
  • Bank "URALSIB"
  • Bank "ZENIT"
  • Beeline card (prepaid Mastercard)
  • Chelyabinvestbank (Mastercard and Visa debit and credit cards)
  • "Conservative Commercial Bank"
  • PJSC "Moscow Credit Bank"
  • "Credit Europe Bank"
  • RNKO "Payment Center" (LLC) (prepaid Mastercard cards)
  • "Credit Ural Bank"
  • "Kredprombank"
  • "Energotransbank"
  • Freedom Finance Bank
  • "Gazprombank"
  • "Home Credit Bank"
  • J&T Bank
  • Khakass Municipal Bank
  • Bank Khlynov"
  • Bank "Kuban Credit"
  • Card "Corn" (prepaid Mastercard cards)
  • Bank "Levoberezhny"
  • "Modulbank"
  • "Moscow Industrial Bank"
  • "MTS Bank"
  • Bank "National Standard"
  • "Natsinvestprombank"
  • "NIKO-BANK"
  • "NS Bank"
  • Bank "Orient"
  • "Pochta Bank"
  • "Primsotsbank"
  • "Promsvyazbank"
  • "Raiffeisenbank"
  • "Rocketbank"
  • "RosEvroBank" (credit and debit cards Mastercard and Visa)
  • Rosselkhozbank
  • "All-Russian Regional Development Bank"
  • Russian Standard Bank (Mastercard credit and debit cards)
  • "Sberbank"
  • "SDM-Bank"
  • "Sovcombank"
  • Ural Bank for Reconstruction and Development
  • Tinkoff Bank
  • Bank "Tochka" (Mastercard debit cards)
  • "UniCredit Bank"
  • "UralCapitalBank"
  • Bank "Venets"
  • Bank "Vesta"
  • "Vladbusinessbank"
  • "Eastern Bank"
  • Bank "VTB 24"
  • "Yandex.Money" (prepaid Mastercard cards)
  • "Zemsky Bank"

Apple Pay payment system. The first and so far only bank to support Apple Pay was Sberbank. Russia has become the 10th country in which the system is available.

The editors of the site tested the system and figured out how Apple Pay works, how to link a card to it, in which establishments and how you can pay, and also provides a list Russian applications, supporting payment service Apple.

What is Apple Pay for?

The Apple Pay payment system, according to engineers, should replace plastic bank cards. It allows you to use iPhone smartphones and "smart" apple watch Watch for paying for purchases in stores, cafes and other establishments.

When making payments, money is withdrawn immediately from the linked bank card. The company does not charge a fee for using Apple Pay.

According to service statistics, about a million new users join Apple Pay every week. Moreover, in the US, more than 90% of all contactless payments are made using Apple Pay.

Which bank card do you need to have to pay with Apple Pay?

The first Russian partner bank for Apple Pay was Sberbank together with Mastercard. Therefore, now only owners of Mastercard credit and debit cards issued by Sberbank can use the payment system.

Apple Vice President of Apple Pay Jennifer Bailey promised that the list of banks that support Apple Pay will be expanded in the near future. Vedomosti previously reported that Raiffeisenbank, Tinkoff Bank, B&N Bank, Otkritie, VTB 24 and Yandex.Money could also become partners in the future.

According to the source, the site is on financial market, a list of new Apple partners will be announced in November 2016. The founder of Tinkoff Bank, Oleg Tinkov, also spoke about this on his Instagram.

Which establishments can you pay with Apple Pay?

You can pay with Apple Pay in stores with iPhone SE, iPhone 6 and later models, and Apple Watch.

Apple's website notes that the payment system works "everywhere contactless payments are accepted." It's about about terminals in shops, cafes and restaurants that display one of the icons contactless payment:


Among the Russian retailers where you can definitely find similar terminals are Azbuka Vkusa, Auchan, Atak, M.Video, Eldorado, Magnit, Mediamarkt, TSUM, BP, re:Store. The list, according to the Apple website, will be constantly updated. Representatives of the Dixie and Victoria chains, as well as Starbucks coffee shops, also informed the website about support for Apple Pay.


Through the OneTwoTrip iOS application, you can pay for plane tickets via Apple Pay; purchasing train tickets and booking a hotel room will appear later.


Ticketland users can buy tickets to the theater, concert, show, or circus using Apple Pay.


You can pay for discount coupons through the Biglion app.


Apple Pay support is also implemented in the Gett application - users can not link a card in the service, but simply add payment via payment system Apple.


How to link a card to Apple Pay

Linking a bank card to Apple Pay occurs in the Wallet application. The app can automatically link the card that is used for iTunes purchases. Or you can scan the card using your camera and add it to Wallet. If the bank supports Apple Pay, the card will be linked automatically.


Sberbank cardholders can also link a card through the Sberbank Online application. To do this, you need to select “Connect to Apple Pay” in the list of cards - the card will automatically be linked to Wallet.

How to pay with Apple Pay

In order to make a payment at the checkout when iPhone help, on a locked phone, you need to press the “Home” button twice - the NFC chip of the smartphone is activated, and the image of the bank card and its last four digits will be displayed on the screen.

The bank may limit maximum amount when paying via Apple Pay and additionally request a PIN code.

In order to pay when Apple help Watch, you need to double-click on side button hours and bring them closer to the terminal.


To make a purchase in an Apple Pay-enabled app or website, you need to place your finger on the Touch sensor ID to confirm payment.

How secure are payments via Apple Pay?

Apple says card numbers are not stored on devices or on the company's servers. When making a payment, Apple does not transmit the card number to the store, but only sends a special identification code, which is encrypted and stored locally on the iPhone.

The company also says it doesn't store user payment data or create a payment profile for users, for example, to target ads.

To confirm a payment in Apple Pay, you use the built-in iPhone sensor fingerprint finger Touch ID.

When iPhone loss, iPad or Apple Watch, you can pause the ability to pay via Apple Pay using the Find iPhone feature.

What similar solutions are there for Android in Russia?

On September 29, your mobile payment system for Russian market Samsung company. Samsung Pay supported in Samsung smartphones Galaxy S7 edge, Galaxy S6 edge+, Galaxy Note5, Galaxy A5 and A7 2016 release.

Now to the system Korean manufacturer You can link MasterCard cards from Alfa Bank, VTB 24, MTS, Raiffeisenbank, Russian Standard and Yandex.Money.

However, Vedomosti's interlocutors claim that the system is not popular among users - on the first day, several dozen transactions were made by its clients using Samsung Pay.

Since November 1, Alfa Bank, Bank St. Petersburg, MDM Bank, MTS Bank, Otkritie Bank, Raiffeisenbank, Tinkoff, VTB24 and Yandex Money have been working with Apple Pay. Later in November, Russian Standard Bank will begin working with the system.

At this time Apple moment Pay in Russia continues to work only with Mastercard cards. Visa, according to the information we have, has not yet completed testing of tokenization technology, which, however, is at the final stage. It is possible that the announcement of support bank cards this system will also take place in November.

More details about the work Apple systems You can pay in the material published on the site on October 4.

Russia has become the tenth country where the Apple Pay service has launched. the site got the opportunity to study the Russian implementation before the official announcement and reports exclusive details.

About tokens

Currently, Apple Pay operates in Russia only through the Mastercard tokenization platform - MDES (Mastercard Digital Enablement Service). In it, according to Mikhail Fedoseev, Director of Business Development and digital technologies Mastercard in Russia uses advanced payment technologies - EMV, tokenization, cryptography and biometrics - which guarantees the safety of the cardholder’s data.

About the difficulty of connecting toApplePay

Tatyana Yarmola, Product and Project Director e-business Alfa-Bank told the website that the implementation Apple support Pay can be called a project middle category difficulties. First of all, changes were made to processing systems related to online authorization traffic. The second part of the project - improvements mobile banking Alfa-Mobile for issuing and managing tokens. These improvements went in parallel with improvements to the processing systems

Daria Ermolina, Communications Director Tinkoff Bank, called the implementation process simple. The bank’s developers did not have to make many changes, since the technology of contactless payment from a smartphone has been implemented by the bank for almost a year: “cards in the phone” have been working at Tinkoff since December 2015.

How long does it take to connect toApplePay?

At Alfa Bank, the project took several months. Two teams worked on it - a team of processing specialists and an Alfa-Mobile team.

Oksana Sivokobilska, Deputy Chairman of the Board of Bank St. Petersburg, told the site that 3 months had passed from the opening of the Apple Pay project to the completion of certification.

To Tinkoff technical work also took several months. It was carried out by 3-4 people, including front-end and back-end development.

New cards and offers forApplePay

Alfa Bank plans to develop special offers for Apple users Pay, the details of which have not yet been disclosed.

In 2017, Bank St. Petersburg plans to carry out a set of activities aimed at connecting and using Apple Pay. Negotiations are underway with popular retail chains (coffee shops, restaurants, cinemas) to conduct special campaigns for bank clients - residents of St. Petersburg who use Apple Pay.

By using Apple Pay, users can continue to receive all the benefits and bonuses from using their credit and debit cards in accordance with their loyalty programs

What do banks expect fromApplePay?

Tatyana Yarmola The site reported that Alfa Bank expects an increase in the frequency and regularity of purchases, as well as a shift from cash payments to smartphone payments, especially in the segment of small purchases and daily expenses - supermarkets, cafes, restaurants, etc.

According to Daria Ermolina, more than 30% of Tinkoff Bank clients choose mobile bank as the main service channel. A significant portion of these clients use mobile banking on iOS platform. The bank does not announce figures on the expected number of new users and transaction volumes, but expects an increase in the number of contactless payments and, accordingly, an increase in turnover due to this.

“First of all, our expectations are related to the increase in the number of non-cash transactions made by residents of our city,” says Oksana Sivokobilska, - “According to our calculations, at least 50% of clients using devices in the operating room iOS system, will make their first purchase with using Apple Pay in the first days. We have no doubt that Apple Pay will become the priority payment method for residents of St. Petersburg, and we see in this great potential for growth in the profitability of the bank’s card portfolio.”