How to pay a receipt using a barcode or QR code in Sberbank of Russia

What is a QR code?

A QR code is an encrypted link containing payment or any other details of an organization that is a seller or manufacturer of goods, as well as a service provider. The encrypted information is intended to be read by various technical devices in the process of making a payment or identifying an item on which the code is applied. In other words, the user does not need to manually enter the name and TIN of the payment recipient, his bank details, etc. – since all necessary data is recognized automatically. The name comes from the English term Quick Response code, which is translated into Russian as Quick Response code.

The QR code was developed in Japan and has a square shape. In fact, it is a type of barcode, although in Russia the latter is most often understood as a rectangular strip with numbers located under it.

Over the past 2-3 years, QR codes have been widely used in the work of a variety of companies and individual entrepreneurs, successfully competing with a conventional barcode that is less convenient in practical use. Today, both variants of codes can be found, for example, on almost any receipt or invoice.

Types

There are two most widely used types of QR code:

Dynamic (or “live”). The information contained in the encoded link is edited without adjusting the code itself. When scanned by a technical device, it sends it to an intermediate server, where the necessary details are stored. To change them, it is enough to adjust the data stored on the staging site.
Static. In this case, no intermediate site is used, since all the necessary information is encrypted directly in the QR code.

Each type of code has both advantages and disadvantages. The first option is more universal, therefore it is actively used where serious commercial or investment expenses are involved. The second one is simpler and more convenient, and as a result, it is widely used in free services and budget products.

Scanning algorithm

Scanning means reading the information contained in the code using a special technical device. Currently, several options for scanning QR codes are used, although their number is quickly replenished with new technical devices:

smartphone equipped with a built-in scanner. This option is used when paying through the Sberbank Online mobile application. Today, devices from all leading manufacturers running both iOS and Android are equipped with scanners;
mobile applications designed for installation on smartphones. They are usually hosted on Google Play or the App Store and are available for free download;
special programs that are installed on both mobile devices and computers. Some of them are built into browsers, for example, Yandex.

Advantages and disadvantages

The only drawback of the QR code is the fact that its reading and practical use requires additional technical devices. On the other hand, today almost everyone has a smartphone with a sufficient range of capabilities for this.

The QR code has many more advantages:

minimum manufacturing cost;
a simple, but at the same time seriously protected encoding standard;
a large amount of stored information, much larger than a regular barcode;
convenience and efficiency of payment;
Possibility of use even if the QR code is partially damaged.

What operations can be carried out using a QR code?

The list of functional capabilities of this technology is very extensive. With its help you can:

Make remote payments for utilities.
Pay loan obligations from banks.
Transfer funds to another account.
Withdraw funds from special terminals. A similar method of receiving money was developed by Tinkoff Bank. To make a withdrawal, simply tap the code on the ATM reader and receive the specified amount.
Pay for home Internet and communications.
They are often placed on goods and products in stores; after scanning, you will find yourself on the official portal of the manufacturer. In addition, it has become popular to insert a pixel square into advertising leaflets.
It is used in the tourism sector. In museums or attractions, QR tags are placed that provide detailed information about the exhibit.

Attention! A similar method has been used by scammers who hide virus programs and Trojans in them. After reading, your mobile device will pick up the infection. Therefore, you should be careful about the pixels on advertising, especially in the online space.

What can you pay with a QR code?

The use of a QR code provides a convenient and quick opportunity to make a wide variety of payments and transfers, including:

housing and communal services;
fines from the traffic police and other structures, for example, the FSSP;
taxes, duties and other obligatory payments to the budget;
kindergarten receipts;
repayment of loans;
accounts for transferring funds to third parties;
mobile communications and Internet traffic;
any other payments for documents that contain a QR code.

How to pay for housing and communal services through a Sberbank terminal with a card

You can send money in cash at the terminal. Need to:

Touch the screen to activate the device.
Select "Search for Recipient".
You can enter the type of service or the name of the supplier company, its tax identification number. It is also suggested to bring the receipt with the barcode to the scanner.
After selecting a supplier, a form should appear.
Please indicate your personal account number.
Select month, year.
Enter the amount.
Check the data.
Make the payment.

How to pay receipts using a QR code in Sberbank Online?

The step-by-step procedure for paying a receipt using a mobile application and QR code using Sberbank Online is as follows:

First you need to download and run the application. Download links are available on the bank’s website;
then you should register in your Sberbank Online personal account;
after authorization, you need to sequentially go to the sections “Payments and transfers” / “Payments” / “Payment by QR code”;
activate the scanner by pressing the button with the QR code icon;
place the code in the rectangle that opens and wait until the payment details are displayed on the screen;
fill in the remaining payment details, such as the amount and source of funds, and then complete the payment transaction by entering a one-time password.

Payment algorithm by code

As already mentioned above, to pay you will need to take a receipt with a code printed on it, a mobile device with the Sberbank-online application installed, and a card with the required amount of money in the account.

We log in to the application and go to the “Transfers and Payments” section.
We indicate the card with which the payment will be made. It is worth noting that payment is made only from a card and often only a debit product is suitable for this.
Then you need to find a link to pay using the code and follow it, usually if there is a similar printout on the receipt, then the service also has the ability to pay in this way.
An image capture window will open; you need to use it to capture the full QR code from the receipt; if everything went well, a message will appear on the screen that the code was read successfully. Thanks to this, all remaining payment details will be filled in automatically.

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Thus, it is very convenient to pay utilities, fines and any other receipts that have such a code. After autofilling has occurred, you need to double-check all the data again so that an error does not accidentally occur. Despite the fact that this phenomenon occurs rarely, extra vigilance does not hurt. If everything is correct, you can complete the payment by confirming the operation.

If necessary, the user can log into Sberbank online from a PC and print a payment receipt.

This approach allows you to make payments in seconds. You no longer need to fill out the details for a long time and carefully, everything happens automatically, which significantly saves time. Use the capabilities of the Sberbank online service and pay receipts even faster.

other methods

The option described above for paying Sberbank Online using a QR code is the most popular. An alternative method involves using a self-service terminal.

Via self-service terminal

To make a payment, you need to find a self-service terminal equipped with a reading scanner. Further user actions look like this:

insert a Sberbank card, then enter the PIN code;
go to the menu subsection “Payment for services”
select a payment option with scanning a code;
scan by presenting the receipt to the reader;
enter additional information for payment;
write off funds from the card or insert the required amount of cash.

Via terminal

Not every terminal is suitable for barcode payments. The main criterion is the QR code reader. Such ATMs are not very common in Russia, but they can still be found in large cities. When paying, you must insert your card into the appropriate slot, and after entering the PIN code, select the “Payment by barcode” item. After this, you need to bring the receipt with the image to the ATM camera so that it can recognize the code. When the system does this, a payment field will appear on the terminal screen with the recipient’s fields already filled in. All that remains is to indicate the transfer amount and confirm the transaction.

Service cost

An important argument in favor of using a QR code is the absence of additional fees. In other words, the cost of the service is determined by the initial tariffs for this payment. For example, when using Sberbank Online, the commission for paying utility bills is 1%. Using a QR code does not increase this tariff.

When making a similar payment from the card balance using an ATM, the Sberbank commission is 1.2%, but not more than 500 rubles. The use of a QR code also does not affect the indicated tariff.

How to pay for services

Carrying out financial procedures or transactions is the main area of application of encrypted images. They greatly simplify the process of entering details or payment information. Below we will analyze in detail the features of paying a receipt from housing and communal services by code. To do this, you don’t even have to leave your apartment; the procedure can be carried out online using a mobile device.

Through Sberbank Online

So, you have received a payment receipt from the utility service, it shows a QR symbol. To calculate it, use the official Sberbank Online application:

Download and run the utility on your smartphone or computer. It is free and publicly available on the website of a banking organization or in any software store.
To use the application you need to become a client of the organization and have a bank account or card.
Log in with your account.
In the main menu, find the payment section.
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Scroll down the page and you will see the item – transaction by QR code.
If you click on it, a square area will appear on the display into which you need to place the pixel art using the smartphone camera.
After reading, you will go to the payment page. All the details of the receiving party and the specified payment amount will be listed here.
Select the account to make the transfer and confirm.
Receive a receipt; if desired, you can save it on your mobile device or send a receipt by email.

The whole procedure will take you no more than two minutes; it is only important that there is a sufficient amount on your balance for payment. This is much easier than entering the recipient’s information from the housing and communal services receipt yourself.

Using a terminal

If you don’t have the Sberbank Online app on your mobile device or don’t have access to the network space, you can make a payment using the company’s ATM, but only if it has a special scanner in its design. Currently, almost all terminals are equipped with similar technology. To pay for housing and communal services, follow the instructions:

Find your nearest ATM.
Insert a bank card into the slot and enter the security password.
In the main menu, select the payments section.
On the next page, find the QR code transaction tab.
After this, the scanner will light up, bring your receipt to it and hold it until the terminal reads the code.
The display will display the details of the recipient of the funds; carefully check the accuracy and write down the transfer amount.
Confirm the payment and be sure to collect the receipt. Do not throw it away until you are sure that the specified amount has reached the recipient.

This completes the process.

The article discussed in detail how to pay for services through Sberbank Online using a barcode and at self-service terminals. If you are unable to complete the transaction yourself, then contact the nearest branch of your bank and ask for assistance from free specialists and pay at the cash register. Currently, this technology is gaining new momentum and greatly simplifies the life of the consumer.

Payment security

The QR code system provides a high level of security for all participants in the process - both buyers and sellers. Moreover, a sticker on a product or receipt “Pay QR” means that the counterparty has been verified by Sberbank, and its details are entered into the mobile application database.

Don't forget about other basic safety rules not related to QR codes. The main ones are maintaining the confidentiality of personal data, which is achieved through careful and thoughtful actions of the Sberbank client himself.

Instructions for paying a receipt through Sberbank Online

To pay for any services, clients of a financial institution must follow step-by-step instructions:

Initially, a Sberbank client must register a personal account in the system. To create an account, he needs to go through a simple registration procedure.
Enter your login and password and log in to online banking.
A menu opens in front of the user in which you need to find the “Transfers and Payments” link.
After following the link, click on the “Payment for services and purchases” subsection.
In the menu that opens, select “Purpose of payment”, for example, Government services, fines or housing and communal services.
From the proposed list, you should select the desired organization/management company/government authority.
In the form that opens, you must enter all the necessary details and indicate the payment amount.
The intention to make a payment is confirmed.
An SMS containing an automatically generated code will be sent to the individual’s smartphone, the number of which is linked to the account.
The resulting digital combination is entered into a special window.
After confirmation of payment, the payment will be processed and the funds will be debited from the client’s card or current account.

If an individual does not find in the proposed list an organization that will act as a recipient of money, he needs to act in this way:

After entering the “Transfers and Payments” section, you must click on the “Organization Transfer” subsection.
All details specified in the notice/receipt are entered into special windows.
A card is selected from which the system will write off funds.
Click on the “Continue” button.
After checking the details, the system will give you the opportunity to enter the amount to be paid.
The financial transaction is confirmed by specifying a one-time code.
If the payment was successful, the screen will display “Completed”.

What can you pay?

Qr is a specially encrypted link that contains the details of the organization where the money needs to be sent. This code is placed on many receipts, which simplifies the task of transferring funds.

If in order to make a payment previously it was necessary to enter data with general details of the organization, for example, bik, inn, correspondent account of the recipient, then the Qr code relieves the user of such a need.

QR code – a special data encryption system
Description of the “Universal” deposit from Sberbank of Russia for 5 years

Qr is most often located in the right corner of the receipt. a reading device such as a mobile phone can decrypt the link. Therefore, the Sberbank Online barcode scanner system allows you to perform it without much difficulty. You can pay using the code:

Sberbank loans;
loans from other banking organizations;
housing and communal services;
transfer money to your phone account;
pay for the Internet;
taxes or fines;
top up your transport card;
make other payments in favor of third parties if there is a code on the receipt.

Where to pay a receipt for major repairs without commission

The Fund for Major Repairs of Common Property of Apartment Buildings (FKR) of the Moscow Region has terminated contractual relations with all agents in the Moscow region. Now the powers to accrue, collect and process contributions have been transferred to a single agent - MosOblEIRTS.

According to Art. 5 part 22 of the Housing Code of the Russian Federation, the obligation to pay contributions for major repairs arises from the owners of premises in an apartment building after 6 months from the date of inclusion in the regional capital repair program.

The contribution for major repairs is included in the payment for housing, the corporate communications service of MosOblEIRTS told RIAMO.

Payment via mobile application

Sberbank credit and debit card holders can conduct transactions through an application called mobile banking. To do this, they should install special software on their smartphones. Customers will then have to register accounts, after which they will receive login passwords.

READ Ways to save a receipt or screenshot of payment in Sberbank Online

If an individual wants to pay for housing and communal services through a mobile application, he must proceed as follows:

Authorization in the system is carried out.
Login to your personal account is made.
Select the section called “Payments”.
You need to click on the “Housing and Communal Services” button.
The proposed list contains the service that must be paid for.
An organization is selected to whose account the money will be transferred.
The personal account number is entered into a special window.
All details are indicated.
If an individual has meters installed at home, their indicators are entered.
The financial transaction is confirmed.

If a Sberbank client plans to make similar payments in the future, he should save the draft. In this case, if the need arises, you can complete a transaction with one touch.