Qr code on the Sberbank card where to find. QR code

Banks offer their customers convenient and functional services, the use of which saves a lot of time. One of the largest banks in Russia, VTB, is no exception.

In the VTB Online mobile application, you can pay for services and bills, traffic police fines, state duty, and taxes. Transferring money without entering details and recipient data becomes a simple action. All transactions are easily and quickly carried out by QR, as well as a barcode.

Purpose of the QR code

QR is the abbreviation for "quick response", which translates from English as "quick response" or "quick response". The QR bar was developed in 1994 by Denso Wave in order to store as much information as possible in a small area. This is a picture that you can scan with your smartphone and quickly make a payment.

Important!

QR Scan for making payments became possible relatively recently. For smartphones based on IOS and Android, there is a function for paying bills and transfers via QR. Therefore, all bank customers who have an iPhone, or any mobile gadget with Android, can carry out the necessary transactions in a matter of seconds.

The procedure for transferring funds using a QR code

Now, to make a money transfer in rubles between VTB clients, you do not need to enter the full name, card numbers or account numbers of the recipient. The mobile application contains the function of sending funds via a QR code, with which you can perform an operation. Many VTB clients are interested in how to scan QR code and complete the translation. The action plan is simple.

If the recipient of funds is near the sender, then payment by QR in VTB even easier. All that is required is to scan the code from the display of the mobile gadget. Commission for payment and transfer of funds is not charged.

Payment of receipts by QR code

You can also pay a fine at VTB 24, receipts for or electricity using the "quick response" technology. The first way is to scan the QR code for Android or Ios in the mobile app. To do this, select the section "Payments and transfers" and carry out, for example, the payment of a traffic police fine to VTB, or the State Duty.

If the utility service provider accepts this payment method, you should carefully point the gadget's camera at the QR code printed on the receipt. If the cipher was read, the display will show the details that need to be checked for correctness and confirm the operation.

Important!

Services Mosenergosbyt to pay in VTB You can do it without entering details. As for the fines of the traffic police, such an opportunity is not yet available. But it is possible that in the future they can also be redeemed by pointing the mobile phone camera at the QR code.

VTB payment by barcode- a convenient and useful feature for smartphone owners. If once receipts had to be filled out by hand, and the money went to the recipient for several days, now everything is much more convenient. It is enough to have a mobile device and only 1-2 minutes of time to make an online payment.

Remote payment of all incoming invoices is a very convenient way that many payers are interested in. One of the most attractive options allows you to pay for a receipt using a barcode, or rather, a special QR code. Especially often they resort to it when making payments for utility services.

Instructions for paying utility bills using a QR code

Paying an invoice in the above way requires the payer to have a receipt with a QR code printed on it. Next, proceed as follows:

Important! Payment from a cell phone takes a few minutes. All further procedures will become even easier thanks to the default saving of details. The entire payment will be made in two clicks.

Payment of utility bills through the application on the phone

Payment of bills by barcode is carried out without visiting a bank branch or other customer service points. You can pay, for example, from your phone through a program called Sberbank Online, which you just need to download and install on your mobile phone. The latter must have access to the Internet. Payment of taxes, housing and communal services and other things are paid as follows:

Useful video: Payment methods for utilities

Payment algorithm at an ATM or terminal

The Sberbank Online application is not the only system through which you can pay for receipts using a QR code. If the payer cannot access the Internet at the moment, he should take the account and use the nearest payment terminal. The process will be completed very quickly, and you do not even need to have a payment card with you.

Sberbank of Russia has a network of payment devices that allow you to make payments using a barcode from a receipt. The terminals have built-in equipment for scanning QR code data and displaying it on the screen.

How to pay an invoice using a QR code:

If the payer wants to pay in cash and not with a bank card, the first stage is skipped. Banknotes are inserted into the receiver after specifying the transfer amount. The ATM does not give change. When more funds are credited to the account than necessary to pay the receipt, they can later be transferred to the mobile phone balance or, for example, to charity. In this way, it is possible not only to pay for utilities, but also to pay taxes.

Payment for services or tax fees via a QR code became available to all Sberbank clients back in 2014, but the ability to quickly and accurately enter details still raises questions. Many cardholders are completely unaware of this useful option of modern terminals. In practice, entering the data of the recipient of funds through a two-dimensional barcode is a simple and convenient operation. Now there is no need to enter long combinations of TIN numbers and current accounts, it is enough to verify the information and confirm the transaction. Let's take a closer look at how you can pay receipts by barcode through Sberbank Online or an ATM.

How to pay with 2D barcode

Modern automation of payment systems has radically modernized the process of transferring funds to the budget of the state or various organizations. Almost all invoices can be paid by barcode. All payment orders have a two-dimensional QR code containing encrypted details of the addressee.

Today, Sberbank customers can pay a receipt in two ways:

1. through a bank terminal;
2. in your Sberbank Online account.

Making a transaction through an ATM is elementary simple:

• Insert your card and enter your PIN.
• Select the appropriate menu section - "Payments in our region", there will be an item "Payments by barcode".
• Below the screen, to the left of the card reader, there is an infrared port that reads information from the barcode. In order for the details to be entered automatically, you need to bring the barcode on the receipt to the infrared port. When the device recognizes the data, the system will confirm this with a beep.
• It remains only to enter the amount and check all the details. The probability of an error is very small, but bank experts recommend checking the numbers with the data on the receipt.
• After confirmation of payment, the money is immediately debited from the account and transferred to the address of the recipient organization.

Payment via smartphone is also quite simple:

Algorithms for paying invoices using a barcode do not involve complex manipulations, and the automation of the process itself will significantly save time. This is especially noticeable if the user regularly makes payments on several accounts, and each time you have to enter many different details.

A big advantage of a QR code over templates is that the two-dimensional code always contains the recipient's actual data.

If the details have been updated, this is immediately reflected in the receipt. In the case of using a template or auto payment, the bank client will have to verify the entered data and details from the latest receipts each time.

For several years, some bills can be paid using a barcode. There was such an opportunity in Russia in 2014, but due to its novelty it was not so popular. The world does not stand still and technologies are constantly developing, something new appears. Regardless of what exactly has appeared, all know-how is aimed at making life easier for a person and freeing up his time a little. So the development of a standard for the formation of two-dimensional codes was carried out by the National Payment Council together with the Sberbank of the Russian Federation to simplify the procedure for making cashless settlements and payments. Payment by barcode in Sberbank Online saves a person from having to enter the recipient's details when making payments or money transfers, which saves the payer's time and helps to avoid many errors during the transaction.

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Despite the fact that the service for payment by barcode has such useful qualities and advantages, it continues to be stubbornly ignored and each requisite for payment or transfer is entered by hand. On the one hand, this trend is due to the fact that most people do not understand the principle of this service, and they avoid it, and on the other hand, low demand for it does not stimulate legal entities to develop their own barcodes. Every day, the popularity of payment by a two-dimensional code is growing, receipts of many institutions already have their own QR code (public services, taxes, utility bills, fines, etc.).

How to pay for a barcode receipt

Making payments using a QR code in the Sberbank Online system is a quick and simple procedure. You can use the benefits of this service to pay:

• tax payments to the regional and/or state budget;
• utilities (electricity, rent, water, gas, heating, etc.);
• mobile communications and the Internet;
• repayment of credit debt;
• transport cards;
• charitable contributions;
• social payments;
• traffic fines, etc.

This payment method guarantees that the funds will be debited from the account and will be credited to the account you need. The client no longer needs to worry that a mistake or typo may be made in the details. The money will go exactly as intended. People do not trust this service too much, because they still do not know how to pay receipts using a barcode in Sberbank Online. You can do this in several ways:

• through the Sberbank Online mobile application on a smartphone;
• in the information and payment terminal of Sberbank.

There is no longer a need to stand in line at the cashier for the teller to pay your bills or wait for help from third parties if you do not quite know how to use the terminal and do not know what details to enter where. This service can be used even by those who are "not friends" with complex computer technologies.

Attention! When making payments through a Sberbank terminal using a QR code, the bank charges a commission of 1%, which is three times less than when paying bills at the cash desk with a teller.

Payment of receipts in Sberbank Online via phone

Today, almost every person has a touch phone with the Android, iOS or WindowsPhone operating system, each of which supports the Sberbank application. To install the application, just download it from the Play Market or the App Store (depending on the smartphone platform). No additional barcode scanner needed.

The algorithm for paying by a barcode from a phone to Sberbank Online is as follows:

1. You need to open the application and enter your ID and password (if you are not registered in the system, please register by selecting the appropriate menu item).
2. Then click on the "Payments" tab.
3. A menu will open with a list of services, from which you need to select the one you are going to pay (taxes, utilities, Internet, fines, and others).
4. The “Scan barcode” button will appear on the page that opens (if the organization does not support this service, there will be no such button on the screen).
5. After clicking on this button, the system may ask the user for permission to access the device's camera, you need to confirm it.
6. The camera will turn on on the phone, so you will need to bring the QR code to the lens so that the system can recognize and scan it (it must be in the center).
7. If everything is done correctly, then all empty fields will be automatically filled in the payment form in the application and the details of the recipient will be entered.
8. Confirm the payment by pressing the appropriate button (sometimes you need to enter a one-time password that comes to the financial number of the bank client).

A successful payment will be reflected in the payment history with the corresponding status. You can view the details of an operation by clicking on it in the list. It is also possible to print a receipt for the transaction.

Payment of the receipt at the Sberbank terminal

Bank terminals are quite common devices, especially in Moscow, although they are relatively new compared to ATMs. Almost all Sberbank terminals have a scanner (reader) that, using infrared rays, reads information in the form of QR codes, bar codes, etc. A quick guide for paying for a barcode receipt in Sberbank Online through the terminal is as follows:

Attention! Through the terminal using a QR code, you can pay bills not only by non-cash, but also in cash. Just in this case, the funds will not be debited from the card, but they will need to be inserted into the terminal (into the cash box).

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How to scan a barcode correctly

For the successful use of this service, the main requirement is a good quality device camera for correct and accurate recognition of QR codes. To date, many different programs and applications have been developed with extensive functionality for scanning barcodes. But the Sberbank mobile application has a built-in scanner, so there is no need to download an additional program.

Most of those users who have already had the opportunity to verify the benefits of this service and have tried to pay using this method are still afraid to actively use it, because they do not know how to properly scan a barcode in Sberbank Online. For this, no abstruse instructions are needed, because everything is quite simple:

1. When the camera on the smartphone (or on the terminal) is opened, a square will appear on the screen of the device - a frame in which the image of the QR code from the receipt should fall.
2. It is necessary to ensure that the image completely falls within the square on the display, otherwise the code will not be read as expected.
3. The system reads the code and automatically displays the details of the payee (for your own confidence and peace of mind, you can check them with those indicated in the payment).

Important! The barcode comes in standard sizes, it is not scaled, so as not to reduce the quality of its recognition by the system. Sometimes the size may differ slightly, depending on the developer company.

You can make payments using a barcode in Sberbank Online not only from receipts or payment orders. The barcode can also be scanned through the mobile application on the phone directly from the computer monitor. This is very convenient when shopping online. In this case, there is no need to print checks, verify details, check the validity of data, etc. This makes the payment process much easier and faster.

Probably, there was no such day when a black-and-white image of a square with figures randomly located inside it would not have caught your eye: rectangles and squares. These small squares can be found on product labels, utility bills, or website pages, and on billboards, such images can be human-sized. We are talking about QR codes - a Japanese invention of the end of the last century, which is gaining wild popularity. Why the QR code is so popular, how to use it (read and decrypt it), how it can be created for free, and finally, how you can make payments with it - we will analyze in our review. By the way, in the code below, the message to the readers from the author of the article is encrypted.

QR code. What is it and what is it for?

The so-called matrix code QR code (quick response in English) was developed in 1994 by the Japanese company Denso-Wave. The purpose of this invention was to create a simple coding system (in the form of a two-dimensional barcode), which would be an alternative to the classic barcode, which we still see on product labels in stores today. If the amount of information that can be encoded with the old barcode suits retail chains (and this, in principle, is only the price), then the industry did not like this, since more and more information was required to be encoded for various production and logistics purposes. This is how a two-dimensional code appeared, which, due to its advantages, became known as a QR code.

The main advantages of such a matrix code are as follows:

Easy recognition of encoded information by scanners. This is achieved due to the design of the code: three squares at the corners of the image and additional squares for synchronization throughout the code space normalize the size of the read image, its orientation, and the angle at which the scanning equipment is located to the image surface.

There is a significant amount of information that can be encoded. For example, one such code can fit about 7 thousand numbers, 4 thousand numbers and letters (English), or 3 thousand letters in Cyrillic. As you can see, one small square can encode an entire article, and as a demonstration of this technology, even works by famous authors were published, where instead of letters there were only QR codes on the pages!

Various data formats. Information can be encoded in various formats: not only in the form of a link to a website with a product description (Url address), but also in the form of geographic coordinates (you will immediately be shown a place on the map), SMS messages to a specific number with some text , email, pdf file, encoded image (!) - photo or just JPG, GIF, PNG images. Actually, you yourself can try to create such a two-dimensional code on any site with an online QR code generator, for example, on this one: http://ru.qr-code-generator.com/.

Many free mobile applications for Android, iPhone and Windows Phone, which are enough to install on your smartphone and use the functionality of the information encoded in the square. Almost everyone has smartphones now, and it is not at all necessary to buy an expensive phone - anyone will do, and this indicates the wide possibilities of using a QR code!

Wherever it is found: at objects of cultural significance for tourists (for example, near paintings - you scan and find out extended information about the masterpiece), on product labeling in stores, in advertising goods and services, in reference books and magazines, even in cemeteries, codes are placed for obtaining information about the deceased, etc. The possibilities of such an unpretentious service could not leave the side of large financial organizations: banks, utilities, insurance institutions. Thanks to the capabilities of the service, money transfers to individuals are also easily sent.

How to use the two-dimensional code?

For an ordinary person who is inexperienced in modern technologies, the answer to the question “how to use a QR code?” easier than you can imagine. If you are the owner of a phone based on the Android operating system, then go to Google Play and enter the QR code in the search. You will be offered a dozen free and paid offers with similar functionality. It is up to you to choose - as they say: there are no comrades for the taste and color. The author of the article set himself a "QR code reader", and has never experienced any problems. The program scans codes in different formats and even saves a history of the information received as a result of scanning and recognition. On phones with the Iphone operating system, you need to go to iTunes (App Store) and follow the steps described above.

So, you have installed the program. How to read and decrypt the QR code now? You simply run the program and point the sight in the form of a square border at the code. As soon as the two-dimensional picture hits the sight (it is desirable to hold the phone parallel to the code), the program gives a sound signal of readiness and instantly converts the encoded information into a readable form - the image is decoded online. In most cases, this will be a link to a web page that you will be prompted to follow. The page itself will open in the browser installed on your phone by default (for example, Chrome).

In this video, the process of installing the application and scanning is shown more clearly:

But that's not all, since you can create (generate) a QR code yourself, which we already talked about a little higher. To do this, go to the site with the online generator of this miracle code, and start experimenting. The technology makes it possible to create codes with different designs (!) without compromising its structure, for example, you can stick your company logo on it, etc. The created code can be saved to your computer for free (you can do this for free, as a rule, several times, and then you need to switch to a paid account).

QR code payments

More and more different companies use QR codes for settlements with clients. Drawing a two-dimensional image on the form of a settlement receipt, previously created in a special code generator program, provides the client with the opportunity to make a payment quickly and without unnecessary fuss using a phone and a special application.

Let's see how to make the necessary payments using a QR code using the PayQR payment service as an example:

• Install the free PayQR application on your phone and link one or more payment cards to it. You can also link your cell phone account - in this case, the money will be debited from it to pay for the purchase;
• We scan the information using the phone's camera and get information about the product on the phone. You specify the quantity and required items for the order and can also provide other information, such as a bonus card for additional discounts. Then all this is sent to the store. Recall that the entire data exchange process takes place in the PayQR application itself, and you do not exit it. Further, the store confirms the availability of the goods and specifies its final price, taking into account possible discounts, and also offers to pay you for the goods. You pay for the goods from the application (in reality, the money is debited from the account of your linked card), after which the store delivers the purchased goods.

The payment technology in action can be seen in the video from PayQR:

Shopping in this way can be done both in online stores and in regular supermarkets and retail outlets. In addition, you can use this application to pay utility bills, fines and taxes, and payment is supported by both a regular linear code and a two-dimensional code. The manufacturer PayQR calls this payment technology the most secure payment technology - safer than bank cards!

Below is a mini-presentation of the utility payment technology using PayQR.

This is not the only example of the implementation of such technologies for making payments using a QR code - more and more companies are using them, since this payment method is considered promising and safe.

Benefits of paying with QR codes

Payment using a QR code is a service that has no drawbacks, except for some fear of modern services. In fact, the following facts testify in favor of this system:

1. Simple technologies that do not require specific knowledge and skills. To successfully use the service, you do not need heavy-duty, expensive copies of mobile phones. Almost any phone with a built-in camera will do.

2. Instant result of settlement operations. The receipt of money to the required account is fixed immediately after confirmation.

3. Save money and time. Due to the mobility of the application, you can make payments in any available place and at any time, and it will take several tens of seconds to pay. That is, there is no need to visit such "favorite" places as banks, where there are a large crowd of people with their problems. In addition, companies often give additional discounts for payments using such miracle codes: from 5 to 15 percent, so why not take advantage of them?

Thus, the use of an easy-to-use service allows you to make timely payments without personal contact with the recipient of funds. The QR system allows you to combine mobility and payment efficiency with minimal time costs.