To save time and avoid errors when entering details, many organizations have begun to develop QR codes. This is one of the types of barcode. The QR is an easily recognizable square with black and white rectangles inside it. It is designed for reading using a mobile device running Android, iOS and other operating systems, including Windows and Symbian. In order to use the Sberbank QR code for payment, you need to install the official application from the bank on your phone.

What do you need to pay using a code?

To make a payment using a QR code, you will need a mobile device and the Sberbank online application installed on it.

The necessary conditions

In order for you to register in the application, you will need to connect two remotely provided services:

• mobile banking (for receiving one-time passwords);
• online bank.

It is most convenient to connect both services using an ATM or any Sberbank terminal. To do this, you only need a card. Services are activated in the Connect Sberbank online menu.

How to perform an operation on Android

To pay using Sberbank QR code online from Android, you will need to download the bank's official application from the Google Play store. For Apple phones you need to use the AppStore, for devices running Windows – the Microsoft store.

After installing the application, you will need to register. If you already have Sberbank Online connected, the login algorithm will be as follows:

• go to the “Registration” tab, indicate a valid ID;
• wait for the arrival of an SMS with a confirmation code and enter it;
• come up with a new password with which you will subsequently authenticate.

If Sberbank Online is not connected

If the online bank is not connected, then in order to be able to pay using a QR code in Sberbank, you will need to pick up a bank card and follow this procedure:

• go to the “Registration” page, indicate that you do not have an account yet;
• the program will offer to scan the card or enter the data manually (the latter option works great if the card is not at hand, but you remember all its details);
• you will receive an ID in the message;
• further actions are the same as for standard registration.

You don’t need to install any other special software to scan a QR code into Sberbank Online on Android or another OS. A suitable scanner is already built into the application; you just need to remember to give permission to the program to use the camera.

What receipts can be paid?

You can make many payments using this barcode. The Sberbank online QR code contains payment details, so you do not need to enter them manually. If you see a characteristic square with black and white content on the receipt, this means that payment using QR technology is possible.

In addition, service providers can place the QR code on electronic media - for example, on their website or in an email when sending payment orders. The most convenient way would be to print out such a receipt and make a payment using the QR code using Sberbank. Scaling the printed image is not allowed, since this will lose quality and other values ​​may be substituted during scanning.

The technology was developed for the convenience of mobile device holders, since it is inconvenient to dial many numbers from a phone and it is easy to make a mistake. The code is easy to read both on paper and on the screen, so if you can't print a receipt, don't worry.

To make sure that payment via QR code to Sberbank online is possible, you can call the service provider and check this point with them. However, if the supplier generates QR codes, then there should be no problems with payment.

How to make a payment using a QR code

Many people are interested in how to pay a receipt using a Sberbank QR code. If you decide to use a mobile application and try out the new technology in action, the algorithm will be like this:

• After logging into the program, scroll the screen to the right until the “Payments and Transfers” section appears;
• enter the name of the supplier or its tax identification number in the search, tap on its logo;
• if it supports the possibility of payment via the Sberbank QR code, the corresponding inscription will be displayed;
• tap on it;
• place a square from a receipt or screen under the camera lens, the application will automatically count it and fill in the payment details;
• indicate the transaction amount and tap “Pay”.

In principle, you can use the same code to make the next systematic payment. But it is still recommended to scan a fresh QR code when receiving your next receipt, just in case the supplier has changed your payment information.

Conclusion

So, today the range of applications of QR codes is quite wide. There is only one way to pay via QR code through Sberbank - use a mobile application. To carry out the transaction, you will need to indicate the name or TIN of the supplier and simply scan the code box. The data will be entered automatically; you only need to indicate the payment amount and confirm the transfer.

Transfer using a QR code allows you to make ruble transfers between VTB clients.

Transfer using a QR code is carried out only in the VTB-Online mobile application for iOS and Android platforms.

To use the service, the recipient of the transfer must provide a QR code to the sender. To do this, select the desired account/card in rubles on the Home page by clicking on it/her in the list of products. Click "Show details".

The sender, having received the QR code, saves it (in the gallery). To carry out the operation, enter the VTB Online mobile application, open the “Payments” page, select the operation “Transfer to a VTB client (individual)” and change the tab to “By card number / account number / UNK”.

In the field “Account number, card or UNK of the recipient”, click on the QR code icon. We select a QR code from the gallery - the recipient’s details are automatically pulled up.

If the recipient of the transfer is near you, then the QR code can simply be scanned from the screen of your mobile device.

The service of making payments using a QR code is already actively used by many modern Russians. Most receipts contain a square with a code, allowing you to almost instantly enter payment details and make a payment. This has greatly simplified the payment of housing and communal services, fines and many payments, but receipts are not the only place where a QR code can be used.

At Tinkoff, using this monochrome pattern you can:

• transfer money to your account or pay using a QR code through the Tinkoff mobile bank / ATM;
• get money.

In this case, it is not necessary to have a card: it is enough to have the Tinkoff code generated to withdraw money.

QR code– chaotic black and white pixel order, allowing you to automate the entry of details to simplify the transaction. Let's look at how payment is made using a QR code at Tinkoff and what opportunities it opens up.

Payment for housing and communal services using a QR code

Let's look at how to pay the required invoice using the Tinkoff QR code. For example, let’s take a standard payment for housing and communal services. Payment for housing and communal services using the Tinkoff QR code is not particularly different from the algorithm for a similar operation in the same Sberbank.

You will need:

• receipt;
• a phone with the Tinkoff mobile bank installed on it or your own ATM with a QR code scanner and a card.

Via mobile banking

Payment via mobile banking is carried out as follows:

• open the application;
• go to the pay section;
• then select organizations, and then – legal entity;
• then click scan receipt and point the scanner at the code;
• The details will be entered automatically, all that remains is to indicate the payment amount and confirm the transfer of money.

Payment for housing and communal services using a QR code in the Tinkoff mobile application (example with screenshots):

Refused from Tinkoff? Card 100 days without interest from Alfa-Bank -

At a Tinkoff ATM

In case of payment for housing and communal services through a Tinkoff ATM:

• attach the card to the contactless payment reader;
• enter your PIN code for authorization;
• select the function “pay for telephone, internet, housing and communal services”;
• you will be asked to scan a QR code for payment;
• the data will be filled in automatically - check and confirm the transaction.

Payment for housing and communal services using a QR code is available at all Tinkoff ATMs. Now let's look at how to withdraw money using it.

How to get money using a Tinkoff QR code

The Tinkoff QR code allows you not only to pay payments, but also to withdraw money from an ATM. Thanks to this option, you can conveniently send a transfer to your friends/family/colleagues simply by drawing with data encrypted in a square.

How to get money using a Tinkoff QR code? First, you need to generate a QR code through your mobile bank, then send it to the recipient so that he can withdraw the amount assigned to him:

• go to Tinkoff mobile bank;
• Find the option to pay in the main menu;
• Next, select transfers - cash;
• then in the window that opens, indicate the amount to withdraw and click Get QR code;
• then we photograph it for further use at the ATM (it will also be saved in the Events section).

Step 1 Step 2 Step 3

To withdraw money using a QR code, you will need to find a Tinkoff ATM, click Receive in the main menu and let the device decrypt the image by placing it under the scanner.

Please note that the QR code is valid for 24 hours to receive money from an ATM.

The procedure is very simple and unique:

• the recipient's details are not required;
• no need to have a card or visit a bank;
• To send the code, it is enough to have the Tinkoff mobile bank installed on your phone;
• to receive - a picture with a code and a Tinkoff ATM nearby.

Anyone can withdraw money, not just a client of a bank. The function is very convenient and popular among Tinkoff mobile bank users.

Good afternoon Relatively recently, in most online accounts of Russian banks, functionality has appeared that allows you to pay the invoice or receipt you need using a QR code. This is very convenient, since you no longer need to fill out various fields in the form of current accounts and TIN. In this post I will tell you how pay by qr code Sberbank online housing and communal services.

What is the advantage of a QR code?

Last time we discussed paying for housing and communal services through Sberbank online, I am sure that you have mastered this opportunity. There we spent about 5 minutes on the process itself, 4 of which were spent filling out the fields:

• Checking account
• Personal account

Not everyone can immediately find this data on their receipts, and it is not always convenient to fill it out even on a mobile device. To fix this, QR technology appeared.
QR- this is a representation of the necessary data in the form of an encrypted square, from which, using special scanners, you can instantly count the necessary information, a kind of analogue of barcodes that you see in almost any store. Imagine what the queues would be at the checkouts and how many people would be outraged if the cashier entered everything manually, I think everyone’s nerves would be running high after a regular trip to the store.

Payment algorithm using QR code in Sberbank online

Now I will show you step by step payment for housing and communal services receipts by QR code, through the Sberbank online mobile application, if you have not connected it yet, then you have lost a lot, it is second in convenience after Tinkov’s mobile bank.

We go to the Sberbank online application, I have it on Android. On the main screen, you will see the option “payment by QR or barcode”, select it.

Your camera with the QR reader function will turn on. In the center of the screen there will be a square in which you must place the QR code from your receipt; the scanner can easily read it from the screen of another phone or computer monitor.

In the next step, the information that was encrypted in the code will be displayed on the screen; in my case, these are the details of the housing cooperative to which I pay the bill. Agree that it is very convenient that all this is done automatically. Thus, you can pay any payments using a QR code to Sberbank.

Click to confirm our operation.

And as we see in the blink of an eye, payment was made using the Sberbank QR code. The whole operation took me about a minute, do not forget to save the receipt so that you can confirm your payment to a third party.

What payments can be made, how to create a QR code

Using the system, you can pay for any services for which the client is provided with a receipt with a corresponding image containing a financial link. Among such payments:

• payment of utility bills using QR code;
• fines to the state or federal budget, to the traffic police for violating traffic rules;
• payment of taxes, fees and state duties;
• transfer for the services of Internet providers, cable television and telephony;
• education: kindergartens, schools, higher education institutions and various sections.

Payments can also be made for goods and services not included in the list if their supplier uses services for accepting funds from its clients using graphic codes.

For reference! To accept money transfers using a code system, you need to generate a financial link for making payments and create a link to itQR code using any convenient service.

How to pay a receipt using a barcode in the mobile application

Despite the widespread use of modern encryption systems using QR codes, some companies continue to use the barcode system. You can also make transfers using such receipts using the Sberbank Online mobile application. The process of transferring funds is no different from QR transfers and does not require entering additional data.

To make a transfer, the client must follow the following instructions:

• launch the Sberbank mobile application and log in to it;
• go to the “Payments” section;
• choose payment by Barcode or QR code;
• point the camera at the image on the receipt;
• check the received details and confirm payment.

Important! And when usingQR, and when using barcodes, the user only needs to install the Sberbank Online mobile application to conduct a transaction; no additional special software is required.

Payment via self-service device

To save time, those clients who do not use Sberbank Online can also pay for receipts with codes printed on them without visiting a bank branch. To do this, just use the institution’s self-service device in any convenient place; you can find a suitable one from the institution’s website or through a mobile application using geolocation. To carry out the operation, the client must apply the following guidelines:

• insert the card and enter the PIN code;
• go to the “Payments” section;
• select “Payments by barcode” or QR code depending on the device firmware (the operation is available with any financial document, regardless of which encryption element is used);
• bring the receipt to a special reading device, which is usually located next to the bill acceptor and card reader;
• After scanning the code, the device will emit a characteristic signal and the transaction details will appear on the screen; you need to verify the data and enter the amount.

After confirming the specified information, the posting will be completed, and an SMS notification about the debiting of funds will be sent to your mobile phone.

Customers can also pay bills for housing, maintenance and other types of services with QR and bar codes without using a plastic card at terminals and ATMs with Cash-in technology. To do this, you need to bypass the card authorization stage and perform the steps described above.

Cost of services for paying housing and communal services and other receipts

Calculation using QR or barcodes is provided to customers on a paid basis. The cost of the transaction is set by the official edition of the Bank's Tariffs.

Table 1. Tariffs for payment transactions for utilities and other types of services

These commissions are valid as of July 10, 2018. It is convenient to follow updates on the official website of the financial institution.

Higher education. Orenburg State University (specialization: economics and management of heavy engineering enterprises).
July 14, 2018.

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