How to do payments with your smartphone?
Pay with the mobile phone has been turned already in an option within reach of all. It is to do purchases and to pay them via the smartphone. You can already pay in all type of establishments without the need for to take cards nor money top.
It is a system single, fast, comfortable and insurance: it is enough to bring closer you mobile phone to a terminal to pay your purchases.
The payment via the mobile phone works thanks to the development of the wireless connectivity and the system contactless, that it allows making transactions between a mobile device and the fee-paying terminal with just to bring closer the telephone. That use facility is that which has done him to win popularity quickly.
On the other hand, the payment with mobile phone not only allows to pay in shops, also you can do shipments of small cash amounts between individuals, with a minimum amount of 0.50 euros and a maximum of 500.
What need to pay with the mobile phone in a shop
In Spain, the 39 % of the users of smartphones already do payments with the, and the percentage is in permanent rise. To overall level the detail is already of the 54 %, which it is equivalent to more than 400 millions of users all around the world.
The only requirement to enjoy this service is download the app of the bank in order to be able to do the payment.
The application works as a sort of virtual portfolio –or wallet, that it is the name that receives - from which you can carry out different operations, among which it is to pay with the mobile phone or to consult the state of the related bank account.
To use one app fee-paying because of mobile phone it is necessary to fulfill three simple requirements:
- Have a mobile phone with technology NFC (Near Field Communication, a wireless system of short range that it allows exchanging details between devices. The most part of the smartphones of average and tall range already have this technology.
- That the trade where it is going to do the to buy allows the payment through contactless.
- That the smartphone has not been manipulated or, which is the same thing, that its operating system is just as it came when buying.
How to do money transfers with the mobile phone
To send money with the mobile phone to other people is just necessary download the app of the bank. So much Bankia as the majority of the large Spanish financial organisations have added Bizum to its mobile applications to allow the shipment of small cash amounts between individuals.
In this way, are been able to do payments between individuals (from 0.50 until 500 euros) without the need for to have the number of account of the recipient, just its phone number. This option is really attractive to settle at once those debts that are contracted on the day to day among friends, as pay a dinner when someone does not take cash or charge the amount of a purchased present between several.
A sure system
The security is one of the principals bazas of this system. It is absolutely sure to pay with the mobile phone. For one thing, always se it requests the code PIN for purchases of more than€20, just as is done with the system contactless of credit cards and debit. In addition, this condition you can modify in the majority of the apps so that before making a payment is requested always the PIN, be which is the amount of the purchase.
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