Among the many banks, the most popular and highly trusted is Sberbank of Russia. Like any financial institution, it offers many services. Sberbank's Visa cards are a popular consumer product. Why do customers choose this payment system? What types of Visa cards does Sberbank offer?

Settlement systems

All over the world, there are 2 main types of bank payments: MasterCard and Visa. What is the difference between them?

Firstly, they initially had a different distribution: Visa is more often used in America, Australia, and MasterCard - in Europe and Africa.

Secondly, these systems perform currency conversion in different ways (as a consequence of the first difference). Visa operates in US dollars, when using such a card in Europe, money is converted first into local currency, then into US units. When using MasterCard, the conversion takes place immediately into European money. Accordingly, these systems are good for different areas. But the conversion fee for Visa is not high in comparison with MasterCard, so even a double conversion will cost about the same amount.

What to choose

The Visa payment system, even with a double conversion on the European territory, does not charge a large commission (it depends on the bank), therefore it is the most versatile in use. This system is chosen by the majority of residents of modern countries, as well as residents of the Russian Federation. It allows you to use a wide range of international class services.

Sberbank works with this currency system. The Visa card is a popular product, it is presented in different statuses and types, has a different set of functions and privileges.

Credit or debit

When providing a variety of services, in most cases financial organizations issue plastic cards. This is convenient, because in this case it is possible to operate with money without having direct access to it in paper form, which is not always convenient. Sberbank Visa cards are both credit and debit cards. They are designed for different purposes and have special terms of service. Debit cards are more often used to manage their own accounts, employers transfer salaries to their employees, sellers and buyers operate them when making indifferent settlements and receiving payments for goods both in online stores and in retail outlets. In other words, such a card replaces the client's wallet with their own money. At the same time, commission for withdrawal or transfer is usually not charged, and for some banking programs there are many bonuses and accruals on the balance of interest after a certain period.

The credit card contains a certain limit of funds belonging to the bank, the client can use them for his own purposes with the condition of their return. This is convenient in cases where your own money is not enough to meet your needs. A credit card can perform the listed functions of a debit card, but in most cases a commission is charged for operations, although its availability and size are determined by the bank.

The choice of this or that type of service depends solely on your needs. Sberbank's Visa cards are both credit and debit cards. Next, we will consider their types, conditions of receipt and service.

From simple to complex

The range of banking services is so wide that each consumer will be able to find the most suitable product for themselves on the most favorable terms. Just look at the line of programs that Sberbank offers. The Visa card is presented in it in different forms, they all have a special set of functions, capabilities and are arranged in ascending order of "status". Accordingly, the higher it is, the wider the possibilities of the card, the more expensive its service, but at the same time the degree of security organized by the bank and the quality of services are increased.

Level 1: Easy Accessibility

The simplest terms of issue, maintenance and service are included in the Visa electron card. Sberbank provides an opportunity to receive it instantly (Momentum) when contacting a branch or order a personalized one. The card is debit, has no overdraft. The possibilities and conditions of provision are explained in the table below.

Both cards provide access to the minimum required set of services. If you need a tool for use only on the territory of the Russian Federation, to receive a pension, benefits, then choosing a Visa Sberbank card for instant issuance is the best solution. If you need a simple system with additional cards (for example, for family members), it is most rational to use a personalized Visa electron, it is additionally protected by a chip, which increases its security level.

Middle class

Sberbank's Visa Classic card has an international level and an extended range of opportunities, which is why it is most common among consumers of banking services. It can be either debit or credit, which allows you to choose the most suitable option for yourself.

The characteristics of the Visa Classic debit card are shown in the following table.

The main advantage of the classic Visa card of Sberbank is the ability to pay remotely for any purchases and bills, enable auto payments, control your account remotely by linking phone numbers, email addresses, and electronic wallets to the card. And the most important thing is the availability of the payment system all over the world.

Sberbank Visa Classic credit card is described in the following table.

Note:

* - depends on the availability of personal proposals and the bank's decision after considering the applications.

The card also allows you to remotely manage your account, enable automatic payments, and pay for purchases around the world. Credit conditions, in comparison with the offers of other credit organizations, are one of the most favorable, because its use will not hit the pocket.

High level - special conditions

Sberbank's Visa Gold card has the most privileged set of services. It has been assigned a high status, an increased level of security, when paying for purchases around the world, you will receive privileges and discounts.

Just like the classic one, the gold card can be a credit or debit card. Both options are subject to additional opportunities for obtaining discounts, paying utility bills and other bills, connecting auto payments, and so on. Added to the standard package of services is the ability to receive medical care around the world.

Visa Gold debit and credit cards of Sberbank can participate in charity: from each purchase 0.3% of the amount is transferred to the Podari Zhizn fund, which provides assistance to seriously ill children. In addition, the bank transfers the income from servicing the card for the first year in the amount of 50%.

Differences between a Visa Gold debit card and a classic one

• Increased range of services.
• Bonuses "World of Visa Privileges".
• Service fee for a regular card - 3000 rubles / year, for a charity card - 4000 rubles / year.

The card is suitable for those who travel around the world, operate with large amounts, make a lot of purchases, and care about the security of banking services.

Distinctive features of a credit gold card

• International payment systems programs provide bonuses and discounts.
• Medical assistance in many countries of the world.
• Service of the card for a year - up to 3500 rubles, depending on the personal proposals and decisions of the bank after considering the application.
• The interest also depends on the decision of the bank and is in the range of 25.9-33.9% per annum on the loan.

Premium cards have an additional bonus - free provision of Mobile Bank and Sberbank online.

Choose according to your possibilities

If you need a plastic bank card, choose Sberbank products. It is one of the few that has government support, is the least prone to economic fluctuations in the world, has a reliable system of security and protection of client accounts. Service of the Visa card of Sberbank is at a high level with relatively affordable prices for each category and a set of services.

The article highlights the main types of cards, there are also many offers with a set of special conditions: youth, Aeroflot, Premium, virtual, including bonus programs, reduced fares, accumulation of miles, etc. Thus, everyone can choose a package of services according to their pocket and needs.

Going abroad, each of us has a natural question: which plastic card to choose for paying abroad? Someone is not at all puzzled by such a question, but prefers cash. In this case, everything is simple and clear: changed money in the exchanger and go.

With the card, many additional questions arise: which bank to choose, which system card, which currency and many other points, which we will try to analyze in detail in this publication, and at the end of the article we will answer the most frequently asked questions.

Using the card has both pros and cons. Someone is more convenient and understandable about cash (cash) - they come, pay, get change, and besides, it is easier to control their expenses.

The advantages are the same as the lack of cash - if the card is stolen, then withdrawing money from it will be a rather difficult task, but your funds will be saved, although access to them will be limited for a certain period of time. The second plus is the simplicity of calculation, especially in highly developed countries, when you do not need to look for suitable bills to pay for a bus ride or buy a metro ticket.

Another advantage is that there is no need to declare the imported currency, this applies to amounts exceeding 10,000 euros (equivalent).

Amounts more than 10 thousand euros are declared in writing when exported or imported into a country (RF, Ukraine, Belarus, EU countries).

And one more not unimportant plus of bank cards - friends or relatives will be able to transfer money to the card if you suddenly spent.

What bank cards are valid abroad?

We will not write off the Russian systems here, since when traveling abroad there will be no opportunity to pay with cards, and they turn only into a piece of plastic (only partly true, since the world can be paid with cards, more on this at the end of the article). The two world leaders of payment systems are heard by everyone - Visa and Mastercard.

Visa is accepted for payment in over 200 countries around the world. At the beginning of the 2000s, VISA accounted for almost 60% of payment cards in the world, and MasterCard's main opponent owned 26% of the market, but by 2010 the alignment looked like this: out of eight billion cards in circulation, 29.2% of China UnionPay, and Visa's share dropped to 28.6%. But since China UnionPay was created for the domestic Chinese market, the American payment system is still the leader in international payments. Today, it is possible to pay with a "visa" in more than 20 million retail outlets, service sectors and so on.

If you are the owner of privileged cards, such as Gold, then you can count on additional discounts. Many retail and retail enterprises around the world are members of the Visa and Mastercard discount club. Additional bonuses or points may be accrued, which can be used when buying air tickets, renting a house or car, and much more.

The main differences between Visa and MasterCard

The main currency of Visa and MasterCard payment systems is the US dollar, which means that currency conversion operations will go through this currency. But not always. For the Mastercard payment system, if the purchase is made in Euros, then the conversion will be at the rate of the payment system directly into rubles, or not, if the card is in Euro. But again, this does not always depend on the bank and the places where the payment is made.

How are transactions carried out abroad using Visa and Mastercard with a ruble account

Based on the data in the table, we can conclude that in Europe it is better to use MasterCard, and in the USA with a Visa card... The fewer currency conversion operations, the less you will lose on commission.

If you open an account immediately in foreign currency, then in this case there will be fewer conversions. In practice, it looks like this:

To visit the Eurozone, where the euro is used, we advise you to open cards in Euro, if in the USA, then in US dollars, respectively. If you go to other countries (Turkey, Thailand, India, Egypt, etc.), then it is best to open in dollars, since many conversions pass through it.

As we will write even below, it is best to have several options, since there are cases when entire countries, stores simply do not accept one of the international payment systems.

It is worth noting that it is not always profitable to open currency accounts. Most often, travelers use regular ruble debit or credit cards to pay abroad. Indeed, in order to replenish a currency card, you will have to exchange your rubles for currency and in any case you will lose on the difference in rates.

Which bank should you choose?

The most important criteria that will help you choose a card are the rates and bank commission for cross-border payments.

Cross-border payment - payments using plastic cards abroad. That is, outside the country where the card was issued.

The most attractive conditions give: Sberbank, Tinkoff, Rosselkhozbank and the Kukuruza card from RNKO "Payment Center".

Sberbank

Sberbank charges a commission for settlements abroad only from Visa cards and for Electron and Classic cards this figure is 1.5%, for Visa Platinum cards 1%, for "gold" cards 1.25%. With Mastercard payment, there is no cross-border payment commission.

Rosselkhozbank

Rosselkhozbank has one of the lowest cross-border payment fees - 0.75%. Payment is made by converting the payment system of rubles into currency at the exchange rate of the Central Bank, as well as an additional deduction by Rosselkhozbank of 0.75%.

It is enough to open a personal card of the Russian Agricultural Bank, such as Visa Classic or MasterCard Standard, which can be used for payments all over the world.

Corn

The "Kukuruza" card, which is issued in 10 minutes at the Euroset branch and is absolutely free, is highly praised by the reviews on the Internet. Refers to the Mastercard World system. The card is easy to replenish, and payments abroad are always converted at the current exchange rate of the Central Bank and the Mastercard system.

When withdrawing cash from an ATM, a commission of 1% is charged, but not less than 100 rubles. And for a cross-border payment, the bank takes 0%. That is, losses when paying abroad, only due to the conversion of the ruble into local currency. The availability of cashback with candy wrappers can partially smooth out the losses on the commission, if this is of course interesting to you.

For 200 rubles, you can issue a personalized card with a chip.

Tinkoff

Tinkoff debit and credit cards are also popular with travelers, with both VISA and Mastercard options available. Payment is made by conversion at the rate of the Central Bank + 2% commission for conversion.

Mastercard World from Europlan

2017 update: unfortunately this bank and its products no longer exist.

Also a popular card among travelers. The payment system used is Mastercard, the commission for foreign payments and currency conversion is 0%. For withdrawing cash abroad, they will take 2%, but block 4%.

If used in Russia, then an interest-free withdrawal at any ATM supported by the Mastercard system, but with the condition that the withdrawal amount must be at least 5 thousand rubles.

When going abroad, be sure to call your bank's hotline (available on the website, on your plastic card) and warn about in which country and when you will use it. This must be done so that there is no automatic blocking when payments are made abroad. Many banks set a limit on payments abroad and if you do not remove it first, then there is a high probability of blocking.

• Find out if there are any restrictions on withdrawing money abroad, limits;
• Have identification documents with you, in some cases it will be necessary to provide when making payments through terminals;
• If the card was made a long time ago, do not forget to check its expiration date.
• While abroad, you do not need to rely on only one plastic card, it is advisable to have several cards of each international payment system, as well as cash.

It makes sense to open cards in a currency (dollar, euro) only when you have savings in this currency, or you can replenish them with currency with a conversion below the Central Bank rate, or at least the same rate. In any other case, the easiest way, of course, is to use your usual ruble card. But easier - not always profitable, remember this!

Popular questions

Can I pay with a Sberbank card abroad?

You can pay with any Sberbank card that belongs to the VISA and MasterCard payment systems. The exception is Maestro cards of the category: "Social", "Student" and "Momentum".

Is it possible to pay with a maestro card abroad?

In fact, it all depends on the bank and in which country you are located. Maestro is the MasterCard brand for debit cards and shouldn't be a problem in most of Europe. But they can be!

Often, salary and retirement cards are issued precisely of the Maestro class and people take them with them on a trip. Going abroad, take care of having another VISA or MasterCard card / credit card.

Maestro Momentum is used only within Russia!

Can I pay with Qiwi card abroad?

Yes, because they belong to the Visa payment system!

How to pay by card world abroad?

The cards of the mir payment systems are the domestic analogue of Mastercard and Visa. They will work abroad, but it is necessary to have a Mir-JCB co-badging card. She directly and acts as an intermediary between payment terminals all over the world, where JCB is accepted for payment. This issue has not been studied in detail, it seems so far only Gazprombank supports the issuance of such cards.

The principle of work is similar for Maestro.

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And some entrepreneurs are hoping to get compensation. According to Sky News, Twitter user Sandra Foy asks Paymentsense if she will wait for compensation. Most likely, Mrs. Foy, like the others, will, at best, receive a reply that the problem has reached the national level and cannot be controlled by the operator.

In general, the prospects for Chelsea are not very bright indeed. After the arrival of Abramovich and his impressive financial support, the club won gold medals of the English championship five times, took the Cup of the country the same number of times, and also once won the Europa League and the most prestigious club tournament of the Old World - the Champions League. Now the reconstruction of the home stadium, as well as expensive transfers, are in question.

In the unofficial account of the Chelsea club, Visa's problems are also associated with the Russian businessman Roman Abramovich.

Abramovich is to blame for everything. Some European Twitter users are already trying to find the Russian trail

Well now that Abramovich has been refused a UK visa, he could potentially cut ties with Chelsea & sell mate & if that happens then RIP Chelsea FC #Banterclub

- Brandon Halstead (@MrBHAFC) June 1, 2018

In general, cards often let people down. Bank malfunctions, a card "stuck" in an ATM, theft of personal data from a card by fraudsters - all these problems are regularly faced by users. There is no universal recipe for how to protect yourself from this. Therefore, the bankers themselves advise to always have cash with you. Especially if you are going on vacation.

In March of this year, Visa presented the Cities Without Cash study, which was conducted in collaboration with Roubini ThoughtLab. According to them, Moscow can receive up to $ 8.5 billion annually from the spread of non-cash payment technologies. Researchers attributed the Russian capital to the number of cities in the transition to digital. This group includes Istanbul, Minsk, Kiev and Bucharest. Cash-dominated cities are Mexico City, Casablanca, Buenos Aires, Jakarta and Cairo. Copenhagen, Toronto, Sydney and, of course, London were recognized as leaders in non-cash payments.

At the same time, less and less cash is withdrawn from cards. “The statistics of the last year demonstrate the strengthening of the trend that we have been observing over the past time: the number and volume of operations to withdraw cash from cards is decreasing. At the same time, transactions for payment for goods and services are growing. This testifies to the fact that bank cards are becoming more and more popular payment instrument and are firmly included in the daily use of citizens of our country, ”said Olga Skorobogatova, First Deputy Chairman of the Central Bank.

At the end of 2017, 271 million payment cards were issued in Russia, the Central Bank reported. Last year, 24 billion transactions with payment cards were made for a total of 63.4 trillion rubles. The average check last year was 902 rubles.

It remains only to find the cache. According to the Bank for International Settlements, the UK has a cash turnover share of less than 4% of GDP. For comparison, in Russia this figure is more than 10% of GDP.

Meanwhile, a real flash mob has begun among European users on Twitter, which could be called “Cash only” - people post thematic photos and posts where they advise each other to always have cash with them.

So far, everything is in order, the Dixy supermarket chain told Gazeta.Ru. “Everything works in a regular mode, the share of payments with Visa cards is very high. And we do not observe any failures, ”the press service assured.

On Avito, sales of goods also go smoothly.

In the Russian Railways "Gazeta.Ru" was informed that "no such problem was recorded."

Everything is calm in Russia. "Since since 2015, all domestic transactions with cards of international payment systems and the Mir payment system are processed through the National Payment Card System, in Russia all card payments are carried out normally, no problems have been noted," Gazeta was told. Ru ”in the press service of the NSPK.

"Convenient, safe, own". The website of the Russian payment system Mir states that its work "does not depend on external factors." In Russia, employees of budgetary organizations and pensioners are transferred to the Mir card. Until July 1, 2018, all state employees who now use cards of international payment systems should receive Russian cards. For retirees, Mir cards will be issued gradually, as the card they currently use expires. This process is scheduled to be completed by July 1, 2020. In the first quarter of this year, the number of Mir cards issued exceeded 35 million.

“We also confirm that the processing of transactions with Visa cards in Russia is carried out in an operational mode. There have been no reports from Russian issuing banks about failures in the operation of Russian Visa cards abroad, ”the Russian office of Visa told Gazeta.Ru.

“At the present time, there are problems in the service of Visa cards. The incident resulted in a disruption in the processing of some Visa card transactions in Europe. We are clarifying all the circumstances of the incident and are working to resolve the situation as soon as possible, "the press service of Visa in Russia confirmed to Gazeta.Ru.

Local bank support services advise customers not to despair and try to carry out transactions again and again. Clients start to "boil" little by little.

I tried three times, a visa debit card, all declined. Every customer in local @AldiUK had cards declined at checkout. Advised to pay by cash only.

- kevin mclaughlin (@kvnmcl) June 1, 2018

"Your call is very important to us." Meanwhile, angry customers are cutting off call centers of European banks. In response, they, like the Spanish Santander, can only call everyone to calmness.

We "re aware of a problem that" s affecting Visa debit cards in Europe. Visa is working hard to fix it as soon as possible. Our call centers are very busy at the moment, we "re answering your calls as quickly as we can. Thank you for your patience.

Visa is one of the most widespread international payment systems in the world. Its owners can make electronic payments in more than two hundred countries. Visa card it is convenient to pay online as well. This function is supported by credit cards and debit "plastic", as well as a virtual card specially issued for this purpose. You will learn more about the features and types of Visa from the article.

1. This payment system issues three types of cards:

• debit (store the client's own funds);
• credit (make it possible to use the money of any bank at interest);
• prepaid (they are paid using a current account).

2. A visa card can be opened in any currency. You can link it to several accounts, for example, in rubles, US dollars and euros. When paying, the funds will be debited in the required currency (automatically or at the option of the owner).

3. The main currency of the cards is the dollar. It is worth considering this when traveling abroad or shopping on the Internet on foreign sites so as not to pay for a double conversion.

4. The exchange rate for Visa is available to learn in advance, before the conversion. There are commission fees for the operation.

5. For credit cards, the grace period lasts from 30 days. It counts down from the date of the first purchase.

6. There is a restriction on the withdrawal of cash from ATMs of a bank other than the one that issued your Visa card. The limit is USD 10 thousand per month.

1. Visa Electron card. A representative of the simplest, initial level. Often has limit restrictions. To avoid overspending by the owner of his own or credit funds, the bank must confirm all card transactions online.

Visa Electron can be obtained by clients with no experience in using cards, who do not have a credit history behind them. Often this "plastic" is used to pay salaries, pensions, scholarships, social benefits. It is possible to pay by card on the Internet if it is provided for by the conditions of the issuing bank.

2. Visa Classic card. A classic universal tool for payment in stores, including the Internet. Unlike the previous type, it provides for offline authorization. This means that you do not need to wait for the bank's approval to complete the transaction. The required amount will be debited from the client's account, and the payment information will be sent to the bank at the end of the day.

3. Visa Gold card. The first of the premium category cards. Highlights the status of the owner, allows you to use privileged services:

• urgent replacement of the card in case of its loss;
• emergency delivery of money;
• assistance in resolving issues related to health;
• legal support, etc.

4. Visa Platinum. To all the listed advantages of the Gold Visa, the following services are additionally provided here:

• Purchase protection. Within 90 days from the date of purchase, the goods paid for with the Visa Platinum card are protected from accidental damage, loss or theft.
• Extended Warranty. Provides an extension of the manufacturer's warranty period to 2 years. Applies to purchases for which the client paid with a Platinum card.

5. Visa Signature - "plastic", designed for demanding customers. In addition to the services provided for Gold and Platinum cards, it gives its owner the following benefits:

• Concierge service. Provides the services of a personal assistant. His responsibilities include restaurant reservations, tickets, errands and much more.
• Insurance program for those who travel. It covers not only the cardholder, but also his family members. The maximum amount of insurance indemnity is US $ 1 million.
• Privileges provided by the issuing bank. For example, membership in a closed club, the ability to participate in loyalty programs, and more.

6. Visa Infinite. The most prestigious card from the Visa line. Banks do not issue it to order, but themselves offer it to especially wealthy clients. To do this, you need to have on your account amounts in the hundreds of thousands of euros, dollars or millions of rubles. Each bank has its own minimum requirements.

The Infiniti card allows its owner to enjoy all the benefits provided for Visa cards. Under the travel insurance program, the maximum that can be obtained upon the occurrence of an insured event is US $ 3 million.

Also, the payment system is represented by other types of cards that are not issued by Russian banks. For example, elite Visa Black Card.It is made not of plastic, but of a special material - carbon fiber. High requirements for registration allow no more than 1% of US residents to become its owners.

For companies representing small, medium or large businesses, there is Visa Business Electron Card, Visa Fleet(targeted at enterprises engaged in road transport), Visa Business Credit or Visa Business Debit.

Visa Buxx designed for teenagers. Parents can credit it with "pocket" funds and control their spending.

What is a virtual Visa card and how to use it

Visa Virtual is an analogue of a regular debit card, but created specifically for online payments. It does not have a physical medium, is not named and is cheaper to service than other payment cards. At the same time, a virtual visa has:

• number;
• validity;
• CVV2 (unique code to identify the holder).

At the request of the client, a banking institution can issue "plastic" with all the usual attributes:

• magnetic stripe;
• owner's signature;
• payment system logo.

To obtain a Visa Internet card, you do not need to write an application to the bank. The application is available online. After payment, the owner will receive the necessary details for making payments on the network. The card can be linked to the electronic wallet of many payment systems (for example, Yandex.Money or Qiwi).

The Virtual Visa is available for purchase both for yourself and as a gift. It is convenient to pay with it not only on Russian, but also on foreign sites. Card currency - Russian rubles, US dollars or euros. For those services that do not work with Russian users, there is a special dollar Prepaid Visa Virtual Card. You can issue a card with a fixed denomination (for example, 10 or 50 dollars) or order with a personal limit.

• standard "plastic" of various types, from Classic to Platinum. They provide free issue and zero annual maintenance;
• debit card "WWF", the use of which allows you to transfer 0.39% of each purchase to the Wildlife Fund. Issued free of charge, maintenance during the year costs from 129 rubles;
• "AMWAY": a debit card that allows you to accumulate 0.3 points for every 1000 rubles spent from the card. For the collected bonuses, the client's monetary reward is provided by the AMWAY partner company;
• "My Alpha" - a card with the author's design. You can choose an image on it from those offered on the bank's website, or provide your own. Servicing a card with a unique design will cost from 499 rubles.
• line of debit and credit cards "S7 PRIORITY". Paying with a card, the owner of "plastic" accumulates miles. They can be spent on air tickets. Servicing a debit card costs 500 rubles a year, credit cards - 1225 rubles. The limit of bank money taken for temporary use is 150 thousand rubles. The grace period lasts 60 days;
• several types of cards of the "Alfa-Miles" series. All of them, from Classic to Signature, offer the accumulation of bonus miles. It is allowed to spend them on the purchase of railway and air tickets, hotel accommodation, car rental, etc. The cards are equipped with PayWave contactless technology. The credit card limit is 150 thousand rubles, the interest-free period is 60 days. The service will cost the owner from 599 rubles;
• the Anywayanyday card also allows you to use a credit limit of up to 150 thousand rubles. Credit cards of this series allow you to accumulate points and, at their expense, save up to 7% on air travel and hotel accommodation;
• cards giving discounts in restaurants, bars, shops, cafes, beauty salons: Men's Card and Cosmopolitan. Both are available in debit and credit options. Service costs from 399 rubles per year. up to RUB 1325

The interest rate on Alfa-Bank credit cards starts at 23.99%.

8. Additional ways of transferring to the card for Visa cardholders.

• Sending money from an electronic wallet. For example, through QIWI, which is a partner of Visa. Available forwarding channels: personal account on the site, Qiwi terminals, mobile application. The main condition is that the card is tied to an electronic wallet.
• Transfer from the balance of a mobile phone connected to the Beeline operator. Possible ways: via SMS and the official website.

All Visa cards have the same mandatory elements that:

• confirm the authenticity of the card;
• help to identify her;
• increase security for payments in terminals and on the network.

There are differences only in the fact that on cards without an embossed image, the card number and data on the front side are printed. Such "plastic" is smooth, without convex fragments.

Main characteristics of Visa cards:

• 4-digit number. Inscribed above or below the account number. Always starts with the number 4 and matches the first digits of the account number. If these data are not available, or they are not identical to the initial account numbers, the card is fake.
• Account No. Its image can be embossed (convex) or smooth. In the latter case, some cards contain only half of the Visa card number - 8 digits.
• Visa as a trademark. Always on the outside of the card, anywhere.
• A hologram depicting a dove. Located on either side of the "plastic". The prestigious Visa Infinite, which banks issue for VIP clients, has a slightly different hologram. It is an irregularly shaped element with a translucent fragment and a dove pattern.
• Ultraviolet element. Its task is to provide additional security. It is impossible to see with the naked eye, it is recognized only under UV illumination.
• Data of the owner of "plastic". Smooth Visa cards and some prepaid cards may not have the name of the holder (i.e. the card is not personalized).
• Dates. The validity period of the card is indicated on the outside, front side.
• Magnetic stripe. Contains coded information: card number, expiration date, holder's surname, etc.
• CVV. A unique three-digit code located on the back of the "plastic". You need to search for it either on the signature line, or to the right of it. The security code on the Visa card not only protects it further, but also allows you to make purchases online. This distinguishes Visa from Maestro, on which there is no such code. For the Mastercard system, CVC is used.
• Chip. A large storage medium is built into the front of the card.
• Signature line. Located on the back of the card. The length varies depending on the location of the CVV2 and the presence of the chip.

Visa Electron cards have some differences:

• The Electron identifier can be placed on the back of the card.
• Card account number is sometimes not printed in full format, 8 digits are indicated.
• The inscription "For electronic use only" is located on either side of the "plastic". Information is sometimes written, for example, in English. language.
• Cardholder name and hologram may be missing.