How to disable paypass on a Sberbank card

The content of the article

• What are contactless payments?
• How paypass technology works
• Advantages and disadvantages of contactless payment by credit card
• How to protect paypass card
• Disabling the function of contactless payments on the card of Sberbank
• In your account online
• At the bank branch
• The mechanical way to protect the card
• How to disable NFC in a mobile application
• Uninstall application completely
• Temporarily block

The global trend in innovation is paypass contactless payment technology. This feature simplifies the transfer by using a bank card by the buyer of funds to the seller, making the process instant and very convenient. “Plastic” can not even be pulled out of a jacket’s pocket by attaching it to a POS terminal and making a one-touch purchase payment. The younger generation of citizens – bank card holders – prefers a financial instrument because of its progressiveness.

What are contactless payments?

A one-touch payment method that does not involve physical interaction between the plastic holder and the POS terminal (point of sale – an electronic technical device for accepting a credit card with a microchip or magnetic strip) is called contactless payment. . The operation is as simple as possible and takes a minimum of time. To complete it, you should attach a “plastic” or smartphone with virtual cards in the POS terminal.

Two of the most common contactless money transfer technologies to date, based on the ISO / IEC 14443 standard (modulation method, RFID protocol – Radio Frequency IDentification, radio frequency identification):

1. mastercard paypass;
2. visa paywave.

How paypass technology works

To support the work of paypass technology, the Mastercard card is equipped with a microchip – a contactless payment module – and a small antenna. The range of the device is 40 – 80 mm. It is enough for making contactless money transfers – the buyer needs to bring his card to the POS terminal: in a few seconds the device will read the data, the purchase will be paid instantly.

The giant companies Apple and Samsung are engaged in the development of technologies that allow you to attach contactless “plastic” to the current mobile application. Paypass supports devices with an integrated NFC chip – near field communication, the so-called near field communication, short-range wireless data transfer.

NFC-technology may be available for use on both types of bank cards: debit and credit. Mobile applications simplify the process of using “plastic”, which supports a contactless payment system – the success of the operation is confirmed by a light on the POS terminal and a corresponding sound signal.

Advantages and disadvantages of contactless payment by credit card

Contactless payment by plastic card has its pros and cons. Starting with the shortcomings, which by and large are only 3, it should be noted that for the full-fledged pass-pass system to work, a special POS terminal is required, which must be installed at the point of sale of the seller of goods and / or services. Store owners are in no hurry to install expensive devices, avoiding unnecessary costs. Because of this, the widespread adoption of contactless payment technology is not progressing as fast as the consumer would like..

The second disadvantage is relative vulnerability. A card equipped with a paypass chip may be subject to fraud. Payment terminals write off without asking for a PIN the amount within 1 thousand rubles at a distance of up to 10 m. For a hacker, the owner of home-made equipment, for example, an RFID reader (an electronic device for automatic identification of objects that reads and writes data using a high-frequency radio signal), enough time is 15 minutes in a crowded subway car to go around the cabin and rob several dozen people.

The third disadvantage is the underestimated limit on the amount of purchases, which amounts to only 1 thousand rubles. Residents of megacities, accustomed to the constant payment of goods and services with a bank card, will encounter inconvenience during the usual shopping. A check over a thousand rubles will have to be closed by entering a PIN code. The advantages of using cards with contactless payment technology are still more than the disadvantages:

1. Money is transferred to the seller instantly.
2. The buyer has the opportunity to pay for goods or services purchased anywhere in the world..
3. The operation of transferring funds is simplified as much as possible.
4. The paypass option is usually included in the annual plastic maintenance cost.
5. Contactless payment card fraud risk is considered low.

How to protect paypass card

Banks that produce “plastic” that supports contactless payment technology are trying to secure its use. To correctly apply this financial instrument, its owner must follow a number of rules:

• Do not physically contact the cashier – in this case, no manipulations can be made with the client’s account;
• do not release a credit card / debit from your hands;
• after the interaction of the POS terminal with the card, funds are not debited twice from the same account – the device will notify the payer with a flash of a light and an audible signal that the operation was completed successfully;
• in case of loss of a card in case of loss, theft – a financial instrument is subject to immediate blocking, funds are frozen on the first call to the bank or independently through your personal account online.

Disabling the function of contactless payments on the card of Sberbank

When performing financial transactions, a client account is created, but the bank card data is not entered into it. Information is stored on the system server in order to protect the funds of the holder of the “plastic”. A client of a credit institution can connect to the system for free – the user of the Android Pay application is spared from paying a commission when making purchases if he uses a contactless Sberbank card.

On the discredited “plastic” with which its holder had problems, the paypass option should be disabled. There are two ways to do this:

• using the entrance to your personal account through the official website of the credit institution;
• personally visiting the bank office by writing a statement.

In your account online

To disable the option through your personal account, the client who owns the Sberbank card with paypass should visit the official portal of the lending institution using a personal computer with Internet access. Go to the bank’s website and sequentially perform the following actions:

1. Enter your username and password.
2. Receive a six-digit confirmation code via SMS. Enter it in the designated field of the electronic login form..
3. Log in to your personal account. Select a section with a credit card that interests you.
4. Prohibit the use of paypass technology for this “plastic”.

At the bank branch

You can cancel the use of contactless payment technology for a specific plastic card through a bank branch. Firstly, through the telephone hotline of a financial institution, and secondly, by visiting the office of a credit institution in person:

• contact a bank employee;
• inform him about the desire to disable the paypass function;
• follow the instructions.

The mechanical way to protect the card

Contactless payment can be disabled mechanically. To do this, wrap the bank card with regular foil, preventing the paypass module from working correctly. A special “plastic” protection device with contactless payment technology can be a special case with a metal layer that prevents the device from emitting radio waves and blocking the reception of incoming signals.

How to disable NFC in a mobile application

In the quick settings menu, next to the Wi-Fi and Bluetooth symbols, there is an icon with the letter N – just like in the notification panel, there is an NFC signature next to it. To turn off this function, move the slider opposite, bringing it into an inactive position. If you did not find the corresponding item in the quick settings of your phone, open the usual ones. Select the “Wireless Networks” section, click on the “File and Data Transfer” tab and move the slider of the NFC option to “off” – the N symbol will disappear from the notification panel.

Uninstall application completely

You can disable the function of applying contactless payments on your phone by uninstalling the mobile application completely. To do this, select the program icon on the device screen and move it to the trash. Make sure the basket is empty. After these actions, the contactless payment service for goods and / or services via a smartphone will become unavailable.

Temporarily block

You can interrupt the application for a certain period by temporarily blocking it. To do this, do not delete it entirely. To pause the mobile application, you must complete these steps:

1. In the menu of your smartphone, select “Settings”.
2. Find the “Advanced Settings” section and go into it..
3. Click the Wireless Networks Tab.
4. You can disable the NFC module by moving the slider opposite so that the application becomes inactive.