A plastic card is a convenient payment tool, providing its owner with round-the-clock access to the account. It is used for non-cash payments, including purchases via the Internet, as well as for transfers, cash withdrawals. How to pay with a card in a store is described in the article.
In Russia, the most popular are Visa and MasterCard payment systems . The card has standard sizes (86x54x0.76 mm). There is a storage medium on it - a magnetic strip or a chip with a microprocessor. With each card, payment for goods and services occurs with a small difference.
General information
Cards are:
- By credit. They contain the funds of the bank, for the use of which a fee is charged - interest.
- Debit. The account contains the owner’s money, which he himself credited there.
- Virtual. There are funds earned on the Internet or credited in the usual way.
Each type of card is in demand in modern times. In which stores can I pay with a card? Plastic is suitable for all trading establishments where there is a special terminal. Every day more and more stores connect this device.
Benefits
Plastic cards have many advantages compared to cash. These include:
- Convenience. No need to take big money with you.
- Security. If you lose your regular wallet, it’s unlikely that you can return the money, and the card can be blocked.
- Lack of borders. You can travel to another country with the card, as this payment tool works all over the world.
- Getting bonuses. Many banks offer bonuses - discounts and cashback (funds are returned for a percentage of the amount of acquisitions).
- Money flow control. With receipt of statements of operations, you can control spending.
These benefits encourage people to get cards. Most banks are involved in their release.
Payment for purchases
All plastic holders need to know how to pay by credit card in a store? Doing this is much more convenient than with cash. She can pay bills not only in the store, but also in the restaurant, shopping center, trade and service organization, where there is a POS terminal.
How to pay with a card in a store if it has a magnetic strip? To do this, she needs to pass through the reader of the terminal, and then enter the pin code or sign on the check. Such cards gradually go out of use.
And how to pay with a card in a store if there is a chip on it? Insert plastic into the POS terminal connector as far as it will go. The front side should be at the top. You must enter a PIN code.
How to pay with a card in a store if it works using contactless payment technology? If there is such a function on the terminal, then you should touch the card reader with the “wave” icon on the card. If the purchase is not more than 1000 rubles, then entering a pin code is not required. These are all the answers to the question, how to pay with a card in a store?
Benefit
Is there any benefit when paying by bank transfer? This is convenient when there is a cashback function. CashBack involves receiving back to the account part of the amount spent. It can be bonuses or real money. There are banks that return up to 10% of purchases in specific stores.
Credit card
Can I pay with a credit card in the store? Such plastic is suitable for payment if there are funds on the account. This is the bank money provided to the client on loan. Such cards are also suitable for payment on the Internet.
How to pay by credit card in the store? The plastic is inserted into the terminal, a pin code is entered, after which 2 checks are issued - for the seller and the buyer. To pay for goods on the Internet, you must fill out the information on the seller’s website and check its reliability.
Through the Internet
You can pay with plastic on the Internet. After choosing the right product, go to the payment section. It is important to make sure that the amount to be paid is the same as in the order. If everything is correct, you must enter the card information:
- Room.
- Validity.
- First name, last name.
- CVV / CVC.
After payment, an SMS message confirming the operation is received. Please note that the PIN code should not be provided for remote operations. No need to provide information about this password.
Abroad
Can I pay for goods and services in other countries? This is possible with payment systems such as MasterCard International, Visa International, American Express. Cards issued by Sberbank of the Russian Federation can be used not only in Russia. In other countries, you can withdraw cash using Visa and MasterCard systems, except for Sberbank-Maestro Student, Sberbank-Maestro Social, Sberbank-Maestro Momentum.
Are documents required?
A lot of disputes between the client and the seller arise due to documents. Often, users refuse to provide a passport. For example, you should pay attention to the differences in the wording on the use of OTP Bank payment cards:
- When paying in TSP (trade and service enterprises), the cashier may require a passport.
- And when paying at the pay point (cash points), the client must provide a passport.
It turns out that in the store the cashier as may require a document, but not. The opinion of the acquiring bank (terminal organization) should be taken into account. The contract often indicates the minimum above which a passport is required. There may be points where the seller may request a document if there is suspicion.
Checking the passport is often carried out at the initiative of the cashier, because in a controversial situation, he is liable for damages. But a TSP employee may refuse service if the client does not provide a document. A passport is usually not required to be shown in case of entering a PIN code.
Receipt
If you need to sign the check after payment, then check the amount, date, plastic number. This document confirms the operation. The receipt must be kept. The storage period is approximately the same for banks (for example, for OTP Bank and Sberbank it is 6 months).
Security
Although modern cards are protected, users still need to follow some safety rules:
- It is advisable to use cards with a chip. Not all ATMs used to work with such plastic, but now this is not a problem.
- If there are a lot of funds in the account, then you can set a daily limit for withdrawal. This will help save at least part of the funds.
- If the card is stuck in an ATM or terminal, you should block it.
- You should not leave your data to store employees.
- It is advisable to activate the SMS-informing service about each operation.
- After receiving the card, you should put a sample of your signature.
- Do not include data on unverified sites.
Following these simple rules will save your money. Cards are accepted at most modern stores. The payment procedure is very convenient and secure, which is why more and more people are switching to cashless payments.