The Mir payment card was created as an alternative to the foreign payment services PayPal and MasterCard. The application of sanctions against Russia was the main impetus for the development of the draft National Payment Card System. In 2014, the Mir map was first introduced.
Very relevant for cardholders is the question of whether Apple Pay supports "World" cards.
What is the map "World"
This is a commercial product that is operated to pay for goods and services in real and online stores.
The Mir card occupies a share of 11% of the total value of the card issue according to data as of 01.01.2018. At the same time, its share in the volume of transactions is 9%. The indicators are justified by the fact that part of the public sector employees switched to receiving wages using a card as a special payment system. As of March 1, 2018, the number of issued Mir cards is 35 million units. The average check on the card is 700 rubles and has a tendency to increase.
The head of the National Payment Council said that in 2017, the Mir payment system took first place among the national EAEU payment systems with a turnover of 11.3 billion rubles.
In connection with the growth of cash turnover with the use of the Mir card, we note its main advantages and disadvantages.
Today the Mir card has become a full-fledged analogue of foreign payment services such as PayPal and MasterCard.
Its main advantage is full state support, which creates the opportunity to profitably store Russian currency. Card payment options have been implemented both in our country and abroad.
The state gives guarantees to the population in the stability and long-term operation of the system. The first bank to introduce Mir cards among its customers was Sberbank of the Russian Federation. Bank cards were issued back in 2015.
Advantages and disadvantages of the Mir card
The advantages of the "World" card include:
- receiving a card for free; no money will be charged for the issue;
- tariffs set by banks for card servicing are very low compared to foreign counterparts;
- payment of goods and services with a card is safe thanks to advanced technologies;
- cards are accepted for payment in a large number of stores and online services;
- the capabilities of contactless technology MIR Accept;
- the presence of bonuses on the card and loyalty programs.
The main disadvantages of the card include:
- system malfunctions;
- restrictions on use abroad;
- the ruble is the only currency;
- not all stores and online services accept card payments;
- quality in general is inferior to foreign counterparts.
How to use the Mir card
If we consider the main functions of the "World" card, then we can note that they practically do not differ from foreign analogues. It is planned to introduce the ability to pay by phone using the Mir card. Using a card, you can cash money, transfer it to another card, use it as a means of paying for goods and purchases in real and online stores, and use it when traveling.
However, only those Mir cards that were issued jointly with the Ministry of Railways are accepted abroad. For example, Mir-JCB, Mir-Maestro, etc.
The basic principles of using the Mir card are:
- making transfers through a national operator;
- independence from foreign organizations in the field of payment space;
- getting a card is free, but the service is paid at the bank's rates;
- security of payments and purchases when applying the card using innovative developments and technologies.
What is Apple pay?
This service is intended to simplify the process of payment for goods using a contactless payment system. In this case, instead of a card, a smartphone is used for payment in the store.
This service began its work in Russia in October 2016. The cooperation of the system is connected with the activities of 15 Russian banks; new counterparties are being sought.
In 2019, it is planned to begin the joint work of Apple pay and the World card.
How to attach the MIR card to NFC?
Consider the basics of adding a World card to Apple Pay.
In 2019, it is planned to introduce the possibility of applying payments via smartphone using NFC technology for Mir cardholders.
Currently, in our country there are several applications with which the card can be tied to a smartphone:
- Google Pay, Android Pay;
- Apple Pay
- Samsung Pay.
The connection procedure consists of the following steps:
- select, install and run the application;
- enter card data;
- Confirm the binding to the card when entering the CVV code.
At the moment, negotiations with Android Pay and Apple pay on the Mir card are still underway. Therefore, the contactless payment service is not yet available.
There is also a discussion on the possibility of creating a mobile world-pay wallet for payment from Android phones.
How to link the World map to Apple Pay?
To answer the question of how to add the World card to Apple Pay, we’ll look at the main steps in the process:
- Search for a Wallet app
- add a payment card;
- enter the required password;
- scan a card;
- Next button
- go to the "Settings" Wallet and Apple Pay;
- map added.
Why contactless payment doesn’t work on the Mir card
Google Pay, Android Pay and Apple Pay are the most popular contactless payment platforms.
The Mir card is an innovation on the market, so it is not without drawbacks that developers are trying to eliminate as quickly as possible. In 2018, it was announced that the Mir card could now be used for contactless payments in Russia, but the application turned out to be premature.
The reasons why the World card does not connect to Apple Pay may be as follows:
- card issue until 12/15/2017;
- the card is not equipped with PayPass;
- crashes and frequent errors.
When will World cards be included in Apple Pay
Appple Pay is a contactless payment tool. It appeared in Russia relatively recently - in 2017.
Today in Appple Pay, they can easily bind a Visa and Master Card. However, it is not yet possible to use the contactless technology of payment with the Mir card.
Today it’s not possible to link the World card to Apple Pay. Currently, lengthy negotiations are underway with Google and Appple about the Mir card regarding the creation of the possibility of making contactless payments.
Reviews
According to reviews of most customers who use Apple Pay for contactless payments with Visa, Master Card, this system is very convenient and practical for cardholders. However, with respect to the Mir card, such opportunities have not yet been realized. There is a lack of contactless system, freezing and malfunctions.
Conclusion
The relevance of creating a new payment system and the development of the Mir card in our country is based on ensuring the uninterrupted operation of bank payments and operations and their independence from external factors. Creation of a card “The world is an important stage on the path to gaining independence of our banking system and payment space from foreign organizations. In the near future, developers will eliminate some of the shortcomings of using the card, which promises significant prospects for its development, especially in terms of establishing cooperation between Apple Pay and the Mir card.
In our country, the possibilities of contactless payment World Pay when using a smartphone with an NFC chip are poorly developed. But where it is used, the system was able to successfully prove itself as a means of making quick and secure payments.