Mobile payment, everything you need to know! | BP North, pay with your smartphone | Popular bank

Pay by card with your smartphone

For simplicity, Payment by phone is to use your smartphone to make a purchase. To use mobile payment applications as Apple Pay, Samsung Pay, or Paylib, You must record your bank information on one of these applications. The payments are then taken directly from the bank account of the selected card, at no additional cost. Your phone is therefore transformed into a virtual bank card portfolio which allows you to pay from three different ways:

Mobile payment, everything you need to know !

Mobile payment

Discover mobile payment by Banque Populaire and take advantage of a secure and fast service, suitable for all types of purchases and mobiles !

  • Mobile payment
  • Functioning
  • Advantages and disadvantages
  • Security

Mobile Banque Populaire payment, what is ?

For simplicity, Payment by phone is to use your smartphone to make a purchase. To use mobile payment applications as Apple Pay, Samsung Pay, or Paylib, You must record your bank information on one of these applications. The payments are then taken directly from the bank account of the selected card, at no additional cost. Your phone is therefore transformed into a virtual bank card portfolio which allows you to pay from three different ways:

Mobile payment

With your phone

  1. In a store Arrived at the cash register, no need to take out my bank card, I take my phone to make my payment. I pay for my purchases quickly and simply by approaching my phone from the merchant’s card reader, the same principle as for contactless payment with my bank card.
  1. On the Internet During my purchases on the Internet, at the time of payment, some websites offer me to pay with my card, PayPal or my mobile payment solution Banque Populaire: Apple Pay or Samsung Pay. I click on the icon and my bank details have entered automatically safely, I click on “pay” and voila ! Simple, fast and secure !
  1. Money transfers from one mobile phone to another You owe money to someone but you don’t have their rib ? Some actors like Paylib allow you to make payments by phone. Transfer money from a mobile phone to another quickly with ease directly from your Banque Pop application.

How does mobile payment work ?

To operate, phone payment uses different technologies such as NFC, THE QR code, THE Bluetooth or Internet.

Zoom on these technologies and their operation.

1. Pay with your mobile in stores with NFC technology

NFC technology (Near Field Communication) Allows you to exchange data over a short distance by simply bringing a phone reader closer. We already use this system on a daily basis for contactless payments by bank card, At our baker for example. NFC is today the most used technology for mobile payments, because Many payment terminals are already equipped with it and therefore theoretically compatible with our phones.

If you want to take advantage of this service to pay with your phone, you just have to:

  • Save your bank card on your smartphone. (Through an application like Apple Pay, Google Pay, Samsung Pay, etc.))
  • Approach your terminal mobile to make the payment.
  • Authorize the transaction with a password or your fingerprint if it has not been done beforehand.

Please note, if you want to completely replace your payment card with your mobile, There is currently no mobile payment application via NFC allowing you to pay for all merchants.

To the Banque Populaire du Nord, Our customers can use Samsung Pay, Apple Pay And Mobile payment with the application via Paylib To make their payment with their phone at all merchants equipped with NFC payment terminals.

2. Mobile payment facilitates Internet purchases

Thanks to telephone payment applications, it has never been so easy to pay your purchases on the Internet in peace. During the payment phase, the website offers you to use your Banque Populaire mobile payment solution, for example Apple Pay or Samsung Pay. When you click on their icon to use the solution, your bank details will automatically fill. All you have to do is validate your payment with your confidential code or your fingerprint.

Until what amount can I pay with my smartphone ?
Unlike contactless payment by bank card in store, limited to 30 €*, mobile payment Banque Populaire is considered your credit card. You therefore benefit from the speed of contactless payment while keeping the same ceilings as those of your bank card.
*Provided that the card and card reader are up to date.

Mobile payment: advantages and disadvantages

By paying with your phone, you will necessarily find strengths like weak points. Here is a small recap of the various parameters to take into account before using this new means of payment.

The benefits of telephone payment

  • Applications available: Applications are Downloadable for free On your phone securely. Installation of mobile payment is easy and quick subject to having a good connection.
  • Quick and practical settlement solution:Fund passages are much more fluid and faster Because the regulations only take a few seconds. What’s more, This payment method is already accepted in a very large majority of traders
  • A secure payment method: Authentication methods to use these solutions are more and more numerous (fingerprints, secret code, etc.). Paying with your laptop is therefore a reliable practice.

The disadvantages of payment by phone

  • Accessibility on your phone: As we saw above, There is currently no mobile payment application compatible with all traditional banks and online banks. This means that depending on the phone and the bank, a customer will not always be able to replace his bank card with his mobile.
  • Store service accessibility: As explained above, you can make your purchases with your smartphone only if the merchant you want to do your shopping Updated its payment terminal with the contactless system equipped with NFC technologies.
  • Phone battery: With payment by phone, you are dependent on the battery of your phone. So be sure to have a rescue battery at the risk of being short of battery and therefore of mobile payment means.

Mobile payment

What to do in the event of loss or theft of your phone ?

If you are flying your phone or if you think you have lost it, keep the same reflexes as when you lose your bank card. Put your card as quickly as possible as quickly as possible or deactivate the Banque Populaire mobile payment service. It is also possible to report the flight of your phone to your mobile operator so that the latter blocks access.

Mobile, secure payment

It is completely legitimate to wonder if it is risky to pay with your mobile phone. Moreover, many people question the reliability of this new means of payment due to its ease of use.

As a reminder, NFC technology works thanks to the transmission of short waves, which means that you should be a few centimeters from the phone, during the transaction, to be able to intercept the data.

When you pay with your phone, each transaction is considered unique. Payment technologies by phone by NFC therefore do not store data on your phone. In addition, to validate each transaction, code, imprint or facial recognition is necessary.

In addition, it is necessary to remember that smartphone payment is a technology that directly uses the user bank card. These transactions are validated by Confidence operators such as Visa or Mastercard who gave their validation for the marketing of these new payment systems.

By giving their agreement, this induces that The risk of fraud or theft for mobile payment is not necessarily higher than for payment by conventional card. In addition, these operators are themselves directly assigned in the event of fraud, both on financial repercussions and on their brand image with regard to consumers.

Here are the three main principles of their security policy:

  • User banking data does not circulate and is not transmitted to the payment terminal by phone.
  • The authentication means of mobile payment applications protect the user from the risk of fraud.
  • In the event of loss or theft of the smartphone, it is always possible to oppose the bank card recorded on the mobile payment application.

Of course, no one is immune to a fraud attempt. But unfortunately, the latter do not only concern payment by phone, but the banking system in general.

There User data protection question There remains a priority for all banking establishments even if third -party applications fall under general conditions which are their own. To know more, Do not hesitate to refer to the conditions of use of your mobile payment application.

Tip: if you want to protect yourself as well as possible from fraud related to contactless mobile payment, you can Disable the NFC of your default phone and only activate it when you pay payment.

Pay by card with your smartphone

Contactless mobile payments safely: use your mobile phone or connected portable device to pay by card quickly and easily.

All the advantages of your Visa Banque Populaire cards (1) available on your mobile phone or connected watch,
via Apple Pay or Samsung Pay.

If you lose your phone, you can block the use of your card with this phone.
Wherever the “contactless” logo and the “Visa” logo are present.
Application of payment ceilings for your card contract
Application of payment ceilings for your card contract

On the other hand, you are not limited to 50 euros per operation, as for the payment without contact with your physical card.

The advantages of mobile payment (2)

Your safety, our priority

When you make a purchase, a specific number of your card and your device is used as well as a single transaction code.
The number of your card is never stored on your device or transmitted to merchants at the time of payment.

You also validate each of your card payment operations by the biometric identification function of your device (Touch ID, Face ID for Apple, Fingerprint and IRIS recognition for Samsung devices) or, failing that, by the secret code associated with Apple Pay or Samsung Pay for this device.

And if you lose your phone, you can block the use of your card in this phone.

All card services

When you pay by card (1) with your smartphone, you benefit from the same guarantees as if you had paid with your physical card.

As such, you benefit from all services, insurance and assistance, linked to your card.

For example, if you have a first visa card and set a trip with your smartphone, you benefit from travel cancellation insurance or loss of luggage (3) .

You have an iPhone ?

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How to add your card (1) to Apple Pay ?

Add your Visa Banque Populaire card (1) to Apple Pay on your iPhone, Apple Watch and your iPad.

Your questions about card payment (1) via Apple Pay

You are more Samsung ?

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Samsung Pay: how to use the application and activate your card (1) ?

Activate your Visa Banque Populaire (1) card in Samsung Pay on your Samsung smartphone and other compatible Samsung device.

Your questions about card payment (1) via Samsung Pay

You have questions ?

Our experts answer you.

You are already a customer ? In agency or by phone, at the schedule of your choice.

Choose a niche

(1) See visa cards eligible by your Banque Populaire, Apple or Samsung compatible devices and other conditions to use the Visa card in Apple Pay or Samsung Pay, in your agency and on this site. Free service, linked to a submissive contribution card.
(2) Payments with mobile payment functionality requires a remote bank subscription and a smartphone holder with the Androidtm OS version 4.4 and superior and the NFC functionality, excluding Windows Phone. Androidtm is a brand of Google Inc. Apple Pay payments require Apple Pay holder that works with iPhone 6 (or later) and Apple Watch in store, and with iPad Pro, iPad Air 2 and iPad Mini 3 (or later) within apps.
(3) According to the limits, conditions, and exclusions provided for in the contract.

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