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Any bank tries to create maximum convenience for its clients, which will expand its client base. The "category" of additional conveniences can be attributed to the "Fast payment" option of bank, which is connected within the framework of the "Mobile Bank" service. What this option is, what advantages and disadvantages it has, and how to enable / disable it, we will tell you in our article.
"Fast checkout" - what is it? More about the service
The "Quick Payment" service will allow you to top up the balance of any (!) Mobile phone in a matter of seconds without commission. In addition, it is possible to transfer funds to any bank card, knowing only the mobile phone number to which it is “tied”.
The service owes this name to the fact that there is no need to bother once again when replenishing a mobile account (just write a short SMS command), and when transferring, you do not need to suffer and indicate the card number - just indicate the cell number of its owner!
However, it should be borne in mind that for such a transfer, a prerequisite is the connection of the "Mobile Bank" (SMS banking services) to the recipient's card. Bank provides an additional option of the mobile bank "Fast Payment" free of charge. You will only need to pay for SMS messages to your telecom operator in accordance with your tariff plan.
Transfer of funds or replenishment of the phone balance is performed as follows:
Basic commands
In order to replenish your mobile phone account, you need to send a message with the text:
TEL (space) “phone number” (space) “top-up amount”.
SMS to number: TEL XХХ1234567 50, where
XХХ1234567 - 10-digit phone number of any mobile operator;
50 - the amount to be replenished.
Funds will be debited from the payment card (the main card from which the funds are withdrawn) or from the one on which there is money. In the absence of free funds, the account will not be credited to the phone account.
If you replenish the account of a phone that is not connected to the mobile banking service or if the one indicated in the SMS command is not registered in the SMS templates (the bank does not know about it yet), then you will have to confirm your intention with one more reply SMS.
After the first SMS command, the bank will send you an SMS with a confirmation code.
You answer it by sending a confirmation code to bank number.
To transfer money to any person's card using the "Quick Payment" service in bank, you must send a message with the following content:
TRANSLATION (space) “recipient's phone number” (space) “transfer amount” .
SMS to number: TRANSFER XXX1234567 50, where
XXX1234567 - recipient's mobile number;
50 - the amount of the transfer in rubles.
The funds will be transferred to the card linked to the number. If the recipient has several cards tied to his mobile number, then the money will be credited primarily to the salary (debit) one.
Next, you need to confirm your intention to send the transfer - with a five-digit code sent by the bank in a reply SMS. We also send the code to number.
Please note that all SMS are sent to the short number
How to connect the mobile bank option Fast payment
First of all, you need to know that Quick Payment is not a separate product, but an additional option within the Mobile Bank (MB) service. That is, an MB can exist without a "Fast Payment" (FP), but the opposite will not work. There are two service packages within the Mobile Bank:
1. Economy package. With it, you can send SMS commands to the bank from the linked phone, but you will not receive SMS notifications about the transactions performed on the bank card account. The package is connected and serviced free of charge.
2. Complete package. When choosing this tariff, the service of SMS-notification LINK for each card transaction will be enabled. The package is connected free of charge, and the service fee depends on the category of your card, but does not exceed some money month.
This information is given for reference (all details are on the links). As mentioned earlier, you can connect any package, the main thing is that the MB service is activated for you, because in fact, with its help, you tie the card to the phone, without which the PSU will not work! You can connect the MB at any branch of the bank by applying there with the appropriate application.
So, the option "Fast payment" starts to operate automatically after activating the "Mobile Bank" service of bank. If for some reason it was disabled by you (for example, for security reasons), then you can connect it by calling the bank's hotline, or by calling to other numbers of bank.
It's even easier to do this on the Internet. To do this, you need to go to the Internet bank "Bank Online" and then follow the following instructions:
How to disable
There are several ways to disable the fast payments option.
To do this in Sberbank Online, you need to repeat the above algorithm and click on the "disable" button.
You can also cancel the service by sending a message to number. There are several options for the command text:
It is important that if you disable "Fast payment", you still have the opportunity to top up your own phone balance.
Safety
The "Fast payment" option from bank is quite safe to use - you just need to monitor the safety of your mobile phone. But recently, reviews on the network say that it is advisable not to use the service from your smartphone (this does not apply to simple push-button phones). It turns out that there is some kind of viral software that can intercept and independently send SMS messages, which the owner of the smartphone will not even suspect. Such viruses infect phones with the Android operating system (of which the majority), and their latest modifications may not be recognized by antivirus programs. Therefore, do not install any applications on your smartphone from dubious (or simply unverified) sites, and be sure to install an antivirus, let it be free.
In addition, there have already been cases of fraud with SMS coming from the number. As it turned out later, in such a number, after the number, two letters "O" were spelled out, which is almost impossible to recognize immediately. Therefore, when sending a confirmation code to the bank, try to dial the number yourself, and not use the return SMS function.
"Fast checkout" - what is it? More about the service
The "Quick Payment" service will allow you to top up the balance of any (!) Mobile phone in a matter of seconds without commission. In addition, it is possible to transfer funds to any bank card, knowing only the mobile phone number to which it is “tied”.
The service owes this name to the fact that there is no need to bother once again when replenishing a mobile account (just write a short SMS command), and when transferring, you do not need to suffer and indicate the card number - just indicate the cell number of its owner!
However, it should be borne in mind that for such a transfer, a prerequisite is the connection of the "Mobile Bank" (SMS banking services) to the recipient's card. Bank provides an additional option of the mobile bank "Fast Payment" free of charge. You will only need to pay for SMS messages to your telecom operator in accordance with your tariff plan.
Transfer of funds or replenishment of the phone balance is performed as follows:
- You send an SMS message to the bank with the required command to a specific number;
- The bank automatically sends a confirmation code indicating all the details of the planned payment;
- You confirm the transaction with a reply SMS.
Basic commands
In order to replenish your mobile phone account, you need to send a message with the text:
TEL (space) “phone number” (space) “top-up amount”.
SMS to number: TEL XХХ1234567 50, where
XХХ1234567 - 10-digit phone number of any mobile operator;
50 - the amount to be replenished.
Funds will be debited from the payment card (the main card from which the funds are withdrawn) or from the one on which there is money. In the absence of free funds, the account will not be credited to the phone account.
If you replenish the account of a phone that is not connected to the mobile banking service or if the one indicated in the SMS command is not registered in the SMS templates (the bank does not know about it yet), then you will have to confirm your intention with one more reply SMS.
After the first SMS command, the bank will send you an SMS with a confirmation code.
You answer it by sending a confirmation code to bank number.
To transfer money to any person's card using the "Quick Payment" service in bank, you must send a message with the following content:
TRANSLATION (space) “recipient's phone number” (space) “transfer amount” .
SMS to number: TRANSFER XXX1234567 50, where
XXX1234567 - recipient's mobile number;
50 - the amount of the transfer in rubles.
The funds will be transferred to the card linked to the number. If the recipient has several cards tied to his mobile number, then the money will be credited primarily to the salary (debit) one.
Next, you need to confirm your intention to send the transfer - with a five-digit code sent by the bank in a reply SMS. We also send the code to number.
Please note that all SMS are sent to the short number
How to connect the mobile bank option Fast payment
First of all, you need to know that Quick Payment is not a separate product, but an additional option within the Mobile Bank (MB) service. That is, an MB can exist without a "Fast Payment" (FP), but the opposite will not work. There are two service packages within the Mobile Bank:
1. Economy package. With it, you can send SMS commands to the bank from the linked phone, but you will not receive SMS notifications about the transactions performed on the bank card account. The package is connected and serviced free of charge.
2. Complete package. When choosing this tariff, the service of SMS-notification LINK for each card transaction will be enabled. The package is connected free of charge, and the service fee depends on the category of your card, but does not exceed some money month.
This information is given for reference (all details are on the links). As mentioned earlier, you can connect any package, the main thing is that the MB service is activated for you, because in fact, with its help, you tie the card to the phone, without which the PSU will not work! You can connect the MB at any branch of the bank by applying there with the appropriate application.
So, the option "Fast payment" starts to operate automatically after activating the "Mobile Bank" service of bank. If for some reason it was disabled by you (for example, for security reasons), then you can connect it by calling the bank's hotline, or by calling to other numbers of bank.
It's even easier to do this on the Internet. To do this, you need to go to the Internet bank "Bank Online" and then follow the following instructions:
- Go to your profile settings (just click in the upper right corner on the line with your name and patronymic, for example, Ivan Ivanovich I);
- From the left menu, go to the "Mobile Bank" section;
- We find the main card, it is also a payment card (from which funds are debited), and read the text under the "Connection details" tab. It will tell you about the state of the option (for example, disabled) and will be asked to enable it.
How to disable
There are several ways to disable the fast payments option.
To do this in Sberbank Online, you need to repeat the above algorithm and click on the "disable" button.
You can also cancel the service by sending a message to number. There are several options for the command text:
- 0 ("zero" digit);
- ZERO;
- ZERO;
- NULL.
It is important that if you disable "Fast payment", you still have the opportunity to top up your own phone balance.
Safety
The "Fast payment" option from bank is quite safe to use - you just need to monitor the safety of your mobile phone. But recently, reviews on the network say that it is advisable not to use the service from your smartphone (this does not apply to simple push-button phones). It turns out that there is some kind of viral software that can intercept and independently send SMS messages, which the owner of the smartphone will not even suspect. Such viruses infect phones with the Android operating system (of which the majority), and their latest modifications may not be recognized by antivirus programs. Therefore, do not install any applications on your smartphone from dubious (or simply unverified) sites, and be sure to install an antivirus, let it be free.
In addition, there have already been cases of fraud with SMS coming from the number. As it turned out later, in such a number, after the number, two letters "O" were spelled out, which is almost impossible to recognize immediately. Therefore, when sending a confirmation code to the bank, try to dial the number yourself, and not use the return SMS function.
