Pay with the smartphone in the shops, at the bar, the supermarket or on the internet, through dedicated apps that allow you to use your phone as a credit card: a faster and much simpler and safe system than some can think.
In times of pandemia, moreover, it is more hygienic and recommended to pay for the coffers in contactless mode, placing the cell phone on a reader (or paying directly online) rather than handling cards or cash.
After seeing what are the best apps to manage your money, here is a useful guide to digital payments via smartphone in Italy: which are the most famous and reliable, and how they work.
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App for Payments with Smartphone
Apple Pay
We start from Apple Pay, the contactless payments system developed by Apple for its mobile devices.People with iPhone, iPad, Apple Watch and Mac can take advantage of the Wallet application and NFC technology (to put the device in contact with compatible POS, for safe and fast payments.
Activating Apple Pay is very easy: just go to Wallet, press on Add Carta and follow the instructions.
With Apple Pay you can pay in shops, supermarkets, restaurants, hotels, taxis, vending machines and in all the places where the service is enabled.All those in possession of an iPhone with Face ID or with touch ID (with the exception of the iPhone 5S) can use Apple Pay.At the time of payment in the case, just place the iPhone to the POS and allow the transaction via touch or face ID.The service supports debit and credit cards of many institutes and circuits: Mastercard, Maestro, Visa, Unicredit, N26, Intesa Sanpaolo, Widiba, hype just to name a few.
Satispay
There is also an Italian app among the best applications to pay with smartphones.These are Satispay, designed for those who do not want to turn with too many cash in their pockets but do not even want to bear the costs of a credit card.
Satispay allows you to make micropaggaments through the mobile phone, as a sort of "WhatsApp to send money", or to your contacts or to the affiliated stores.
To use Satispay you have to first download the app from your store (it is free).Then register, entering the telephone number, email and a 5 -digit PIN code that will serve from time to time to access the app.To complete the procedure, the insertion of your IBAN, tax code and identity card is required.At this point, upload the account with money and fix a shopping budget.
Paying in the shop with Satispay is very easy: you have to open the app, select from the list the shop in which to pay, type the amount and confirm.The sending is immediate, and the trader will only have to accept the request.For transactions up to 10 euros, the service is free, while it costs € 0.20 if you pay amounts exceeding 10 euros.
It is also possible to "earn" given that Satispay offers the cashback option, that is, the immediate refund of a percentage of expenditure, re -credited directly to the application of the user once the payment with Satispay is completed.The app allows you to participate in the state cashback and is a valid alternative for those who do not have Spid.
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Paypal
It is a "great classic": founded in 1999 and acquired by eBay in 2002, a company that was then scored and listed since 2015, Paypal (which is pronounced as you write, and not "pay-dol") offers the service of more internet paymentspopular in the world.
Paypal allows you to make online transactions without having to reveal to anyone the coordinates of your bank account or the number of your credit card.The account is associated with a credit card (up to 8), a prepaid or the current account.It is also possible to receive sums of money from friends and relatives as well as from strangers, and do online collections thanks to the Money Box service that allows you to share a link on Facebook, WhatsApp, via email or sms from which users can send the money that comesThen uploaded to the Paypal account.
Even if you have more likely to have used or you will use Paypal for online purchases or peer-to-peer transactions, you can also pay in stores that present the contactless payments symbol.You have to have a Paypal account and download the Vodafone Wallet app on an Android device with NFC SIM.Here are the steps to follow:
Google Pay
The mobile payment app for Android devices is Google Pay, already preset on smartphones.This payment system is widely accepted in retail stores and e-commerce, and is considered safer than the use of a traditional credit card as the number is not sent and is protected by multi-level security encryption.
The user can associate credit, debt and prepaid cards (of the Visa, Mastercard or Maestro circuit) to his Google account and activate the Google Pay option when you want to pay.To pay there is no need to unlock the phone or start the app because it will just just place the smartphone to the Cassa POS and make authentication through biometric recognition.
Samsung Pay
Launched in Italy in 2018, Samsung Pay is the app to pay via Samsung smartphone and smartwatch.It is already pre -installed on almost all Galaxy models or can be downloaded from the Galaxy Store.
It is compatible with many banks and circuits of cards: Mastercard, Maestro, Visa, V Pay, Intesa Sanpaolo, Unicredit, Ubi, Bper Banca, Hellobank!, Chebanca!, Banca Mediolanum, Banco di Sardegna, Cartabcc and over 150 partner banks of Nexi.
Samsung Pay supports contactless payments via NFC or MST (to pay on POS terminals that only support physical paper).You can also pay on the subway in Rome and Milan: just bring the smartphone closer, even on the screen off, to the turnstiles authorized to pay contactless and output.
To activate Samsung Pay you have to have the app, register at the service with your Samsung account, select "Add paper" to record the card, frame it and follow the instructions to complete the configuration.
When you pay with Samsung Pay the credit or debit card data are encrypted in a protected space.It is a safe method to pay thanks to identification through digital imprint, iris or pin scanning, tokenization of paper data and data protection with Samsung Knox.
The application allows you to add and manage the loyalty cards of your favorite shops and supermarkets, to be moved to the cashier directly from the phone.
ATM Pay
ATM Pay is an app available on the App Store and Google Play that allows you to send and receive money, shop online and in the affiliated stores, and make payments to the public administration through Pagopa.
Who has a BNL account, Hellobank!, Intesa Sanpaolo, Widiba, Ubi Banca and Unicredit can use the ATM pay service through the app of your bank.Other institutes, however, offer the service directly from the ATMA Pay app.Among these we find Monte dei Paschi di Siena, Credit Agricole, Banco Desio, Banco Bpm, Banca Carige, Banca Popolare di Sondrio and others).
To pay at the cashier with ATM Pay there are two options: either frame the QR Code with the camera on the Easter's LOS or open the app, select the shop from the list, enter the amount and press "Confirm".On e-commerce sites at the time of payment you have to enter your phone number.On ATM Pay it is possible to save loyalty cards and documents, such as identity card, driving license, passport and health card, to always have them at hand.