Electronic wallets

THE MAIN ADVANTAGES OF PAYING BY SMARTPHONE

  • Convenience. A mobile or smart gadget is always at hand. You don't have to look for a wallet in a bag and then cash or a card to pay.
  • Speed. To pay, it is enough to activate the smart gadget and present it to the contactless terminal. The technology works without Wi-Fi and the Internet.
  • Security. The user does not pass on his payment card to anyone. Payment is made only when he unlocked the gadget himself. Thus, thanks to new technologies of protection and encryption, the attacker will not be able to find out the card number and expiration date.
Pay by smartphone everywhere: in shops, cafes, cinemas, transport, at gas stations

HOW IT WORKS ON A PHYSICAL LEVEL

For contactless payments, you can use a smartphone, starting with:
  • Android Lollipop 5.0
  • or another smart gadget with an NFC chip
  • NFC (Near Field Communication) - data exchange technology at a distance of up to 3-4 cm. It is provided by chips built into plastic cards, mobile phones, watches, bracelets, terminals or other devices. The technology does not require Internet or Wi-Fi.
How to check if your smartphone has:
  • See if there is an NFC inscription on the body of the gadget and the battery
  • Open Wireless Networks in your phone settings
  • Find the NFC mode item. If not, the smartphone does not support the technology.
But to make such a payment, the card must "get on the phone."

HOW IT WORKS AT THE SOFTWARE LEVEL

The consumer selects and installs a mobile wallet application on his / her mobile phone or opens an already installed Wallet application (for Apple devices) and enters his / her bank card details there. Digitizing your card and giving it extra security.

HOW IT WORKS AT THE TECHNOLOGICAL LEVELPayment by smartphone is made via NFC.

NFC (Near Field Communication) - data exchange technology at a distance of up to 3-4 cm.
It is provided by chips built into plastic cards, mobile phones, watches, terminals or other devices.
The technology does not require Internet or Wi-Fi.

Google Pay

Making payment by phone is easy!
  1. Download. Install the Google Pay application on your phone
  2. Add a card. Connect the Credit Dnipro Bank card to the installed application
  3. Pay. Bring the unlocked smartphone to the terminal and Payment.
How to add a card through the Freebank mobile application?
  1. Sign in to Google Play and search for Freebank
  2. Update your mobile app
  3. Sign in to the Freebank mobile app
  4. Go to the card menu and click "Add to Google Pay"
  5. Follow the simple features of the program
How do I add a card through the Google Pay mobile app?
  1. Select "Add card"
  2. Enter the card details
  3. Enter the CVV / CVC2 code on the back of the card
  4. Follow the simple features of the program
How to pay?
  1. Unlock your phone
  2. Lift the back panel to the terminal
  3. The terminal will confirm the success of the payment
FREQUENTLY ASKED QUESTIONS
 
How to connect to Google Pay If you don't have the Google Pay app installed, download it from the Google Play Store. Open the program and add your card to Credit Dnipro Bank. Confirm the card information
How much does it cost to use Google Pay? To check if it is a business card, the application checks by sending an authorization request for the minimum amount ($ 1). A refund request is received within 15 minutes. No other payments for using Google Pay are unforeseen
Which cards of Credit Dnipro Bank can be connected to Google Pay Mastercard and Visa cards issued by Credit Dnipro Bank are supported
On which devices does Google Pay work? On smartphones with Android operating system version 4.4 and higher. You can download the Android Pay application in the Google Play Store
How does Google Pay secure your payment information? By encrypting and storing secure servers, your payment information is completely secure. For each payment card you add, a virtual account number is assigned in the application. As a result, the seller only sees this number when paying, not your billing information.
What to do if your phone with Google Pay software is stolen Contact the Credit Dnipro Bank Contact Center to block / delete a token by calling 0 800 507 700. com / android / devicemanager: www.google.com/android/devicemanager

MI Pay

Mi Smart Band 4 NFC -  Is a special version of the fitness bracelet that supports contactless payment. An innovative product developed in partnership between Xiaomi and Mastercard.

Fast, convenient and secure contactless payments with the Mi Smart Band 4 NFC fitness bracelet are now available for Mastercard cardholders at Credit Dnipro Bank.
Mi Smart Band 4 NFC has retained all the benefits of the usual Mi Smart Band 4 NFC, which are so valued by users around the world: record-breaking autonomy, water permeability, color OLED display and more. Now an NFC chip has been added to them, thanks to which the fitness bracelet can be paid for contactless with Mastercard Bank Credit Dnipro cards.

Advantages of Mi Smart Band 4 NFC:

  • possibility of contactless payment with Mastercard cards from Credit Dnipro Bank
  • up to 20 days of battery life
  • color OLED display
  • 24/7 heart rate monitoring
  • activity tracking: steps, distance, calories burned
  • water resistance 5 ATM

How to add a Mastercard from Credit Dnipro Bank to Mi Smart Band 4 NFC

  1. Install the latest version of Mi Fit and activate your MI Fit account with the region / country "Ukraine"
  2. Activate your Mi Smart Band 4 NFC with Mi Fit through your Mi Fit account
  3. In the "Devices" tab, select "Mi Smart Band 4 NFC Fitness Bracelet"
  4. Go to the "Bank Card" tab and fill in your Mastercard card details
  5. Confirm authorization via SMS

How to Pay with Mi Smart Band 4 NFC |

  1. Activate the bracelet by pressing the touch button at the bottom of the screen
  2. In the menu, select "Cards"
  3. Click on the arrow after activating the payment card

Garmin Pay

Garmin Pay - a payment service for one-touch payment for goods using Garmin smart watches.
 
Garmin Pay:
  • easy to add (you can add your card in just a few easy steps)
  • convenient to use (for contactless payment there is no need to always have a smartphone or bank card. Pay for purchases with one touch!)
  • Payment security (when you pay, your card number is not transferred anywhere. The security system of payment systems replaces your card data with a unique set of numbers (token)
How to Connect Garmin Pay
  • Install the Garmin Connect * application on your smartphone
  • Open the application, go to the Garmin Devices section and find your watch
  • Click on Garmin Pay and click "Add payment card"
  • Following the instructions, connect your card from Credit Dnipro Bank. At the time of addition - the smartphone must be connected to the Internet
* Download the Garmin Connect app from Google Play (available for Android 4.4 and above, Bluetooth 4.0 and above)
  • Press and hold the button to enter the wallet on the Garmin watch and, if necessary, enter the password
  • Choose a card from Credit Dnipro Bank and raise the watch with the display to the contactless POS-terminal
  • At the end of the payment transaction, the watch will vibrate and a check mark icon will appear on the display
Password prompt cases
  • if this is the first use after removing the watch
  • the heart rate sensor is on the clock
  • more than 24 hours have passed since the last payment
  • if a Garmin watch is used for payment

FREQUENTLY ASKED QUESTIONS

Where can I pay with Garmin Pay?
Wherever contactless payment is supported.
 
How safe is contactless payment for goods and services with Garmin Pay?
A token is used for each purchase instead of the real card number, your bank card data is securely encrypted. Additionally, once a day, if the watch was removed from your hand, you must enter the password before payment.
 
How much does it cost to connect to Garmin Pay?
Garmin Pay connection is free. Only the card itself (regular commissions for issuance, maintenance, etc.) is paid, in accordance with the Bank's tariffs. No additional fees for the token, as well as transactions on it - are applied.
 
Which phones can I install Garmin Connect on and sync my watch to?
Android OC 4.4. and above, support Bluetooth 4.0
 
How often do I need to enter a payment password?
Once a day or if the watch has been removed from the hand / heart rate monitor is off.
 
What PIN code is required when paying for purchases?
When paying for goods and services by the hour, the Garmin Pay password is requested. The PIN code of the payment card can be requested by the terminal of the point of sale.
 
How many times can I enter the wrong password on my watch before my Garmin Pay wallet is locked?
There may be three incorrect attempts, then the wallet will be locked, then you will need to reset the password through the Garmin Connect application.
 
What if I forgot my payment password?
In this case, you need to remove the wallet through the Garmin Connect application, create a new one and reload the cards in it.
 
What will happen to the token when the card is reissued?
The token will be deleted. You need to issue a new token to the reissued card.
 
How to find out the last digits of the token?
Through the Garmin Connect application, selecting the desired card.
 
What will happen to Garmin Pay data if you put the watch into service?
Garmin Pay data is password protected on the watch. However, we recommend that you pre-block tokens in Garmin Pay.
 
Can I use Garmin Pay abroad?
Yes, you can pay through Garmin Pay in any country, the main thing is that the store terminal supports contactless payment.
 
Does Garmin Pay have access to a bank account?
No, Garmin Pay does not have access to card data or card bank account. Garmin Pay does not know the balance on the card.
 
What should I do if Garmin Pay fails to connect to the payment terminal?
If your Garmin Pay device fails to connect to the payment terminal to initiate a payment, try the following troubleshooting steps:
  • make sure that the store accepts contactless payments and that its terminal works properly.
  • if you just added a card, wait 5-10 minutes. Each time you add a new card, it must be activated by the payment card network and the card issuer. Activation may take 5-10 minutes.
  • in some cases, the cashier must initiate the process on their part. Confirm that the payment terminal is ready to accept the payment entry.
  • hold the device in front of the terminal in another way, place the device on the payment terminal so that the NFC antenna can establish a connection.
  • maintain proximity to the payment terminal for a longer period of time. In most cases, as soon as the payment is accepted, the payment terminal will be displayed or audible.

Apple Pay

Apple Pay is:
  • extraordinary lightness (pay instantly and contactlessly)
  • full security (card details are not stored on your device and are not transferred when paying to the merchant)
  • works without the Internet (when calculating the technology does not require the Internet)
  • How to connect Apple Pay
І. Apple Wallet
  • go to the Wallet app and click the plus sign in the upper right corner
  • scan the card or enter the PIP and card details manually
  • carefully read the terms and click "agree"
  • enter the card details and click "done"
II. Apple Watch
  • open the Apple Watch app on the iPhone and go to the My Watch tab
  • click Wallet and Apple Pay
  • to add a new card, select "Credit or debit card"
  • when adding cards from other devices or recently deleted, you must select them and then enter the security code (CVV2 / CVC2) of these cards
  • Choose how to verify your Apple Pay card (default is a text message) and click Next
  • After receiving the confirmation code, enter it in the appropriate field and press Done

How to use Apple Pay

If you have an iPhone, you can use Apple Pay wherever there are contactless terminals marked with the contactless payment symbol
With Apple Pay you can pay in stores, restaurants, taxis, vending machines and many other places.

Payment via iPhone with Touch ID
  • to use the default card, place your finger on the Touch ID sensor
  • Hold the top of the iPhone a few inches away from the contactless reader's vise until Done with a check mark appears on the display.
 
Payment via iPhone with Face ID
  • to use the default card, double-click the side button, then look at iPhone to authenticate with Face ID or enter a password
  • Hold the top of the iPhone a few inches from the non-contact reader until Done with a check mark appears on the display.
Frequently Asked Questions
 
What cards can I add to Apple Wallet?
In the Apple Pay application you can register Visa and Mastercard payment cards of Credit Dnipro Bank.
 
How many tokens can you create for one card?
You can only create one token for one card on one device. On different devices up to one Visa card - you can create a maximum of 99 tokens, for a Mastercard card - 21 tokens
 
Can I add another bank card to Apple Wallet?
In addition, you can add cards from any bank. Provided that the bank supports Apple Pay.
 
On which devices can I add cards to Apple Wallet?
You can add cards to your smartphone, tablet, watch, MAC computer
 
What if I lose my phone / watch / tablet?
For security reasons, you need to lock your device via iCloud, which blocks the tokens
 
If I give the watch to another person, will the tokens work?
If the watch loses contact with the smartphone - the tokens will be blocked
 
If I unplug the watch from my smartphone, what happens to the tokens created on the watch?
In this case, the tokens will be deleted.
 
If I block my smartphone through the iCloud service, what happens to the tokens?
The device will be blocked from accessing tokens in the Apple Pay application.
 
If I block the card, will the tokens work?
No.
 
If I blocked a physical card, will the token in the application be blocked?
When blocking a physical card, the token in the Apple Pay application created for that card will be blocked. Therefore, if the card is stolen / lost, it is necessary to block the payment card, which will automatically block the tokens.
 
Is it possible to recover tokens if I find the phone? / Is it possible to re-add a token that was deleted in the application?
If the payment card has been removed, you must re-add the card to continue using it. However, cards that have been deleted recently - will be displayed in the application, the data of these cards - do not need to be re-entered, you only need to enter the CVV / CVV2-code and re-activate.
 
Will I be able to view the transaction history on my smartphone?
When viewing the card in the Apple Pay application, you will be shown the latest card transaction. As much as possible, the Client has access to view the last 10 transactions on the token, made using the Apple Pay application. To view transactions, click on the card and go to the "Transactions" tab.
 
Why in the application on a separate transaction the mark "Completed" is displayed, thus on operation the operation is canceled?
This mark indicates the success of the token data transfer to the POS-terminal, in the future the POS-terminal sends a request to the Bank and provides a response. Received from the Bank. It is possible to check the success of the operation by checking the balance
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