As I refused to cash and a card and died

For a year, as in Russia launched Apple Pay. Since then I have got rid of cash and no longer take credit cards. It is enough to have on hand a smartphone, and suitable terminals is practically everywhere: in the bakery, store, and transport.

I tell how it works and whether it was true that today actually abandon the usual money in favor of the smartphone.

Some statistics

Russia ranks first in the number of payments via the Android Pay and on the third - through Apple Pay. Second only to the US and the UK. During the year the number of transactions through the mobile payment services has increased by 800% in the country.

CEO of Visa in Russia Catherine Petelin explained it better infrastructure than in the same America. Contactless terminals we are literally on every corner, in the United States as they are reluctant to move.

Despite the fact that Apple Pay exists in America for several years, Russia was better prepared for the launch of the service.

Farewell in cash

Apple Pay launch in Russia, I waited so tied all the cards as soon as the service became available. However, to enjoy it fully failed - necessary terminals are not everywhere.

The first few months I did not leave with a purse, but whenever possible pay your smartphone. It was fun, exciting and a bit magical. Sometimes I caught myself thinking that go specifically to dine at those institutions that accept Apple Pay.

In the eyes of the vendors I looked crook, rogue and warlock.

They have sent me to the fire of the Inquisition, or at least guard called, but only Thank you for purchasing. cashiers education has been slow, and figure out where is the necessary terminal could only empirically.

And then everything changed dramatically. Once again the appropriate terminals have sprung up everywhere, and it's not just about Moscow. In his native Voronezh started to accept payments via Apple Pay in most establishments: from large shops and restaurants to a small bakery around the corner. Support for Apple Pay received all popular applications. You can conveniently buy a movie ticket, a train, a taxi or a pizza home. You do not have to enter each time the information card.

In Moscow, with your iPhone, you can pay for a trip on the subway or tram - enough to make a smartphone to a special site.

And you can throw money at stake "Troika" and ride on any public transport, including bicycle rental.

In the regions, specifically in Voronezh, the situation is similar. It does not matter whether I go to get a haircut in the Barbershop or bread shop "Svetlana" (forgive me all Svetlana) - enough to pay for a smartphone. It is also using Apple Pay, you can call a taxi in the Uber or book a movie ticket by using the application.

However, there is one thing, but a significant difference - transport. To pay for travel on the bus, and the bus will have to cash, no cards and smartphones. If you do not have your own car and driving around in a taxi, you have to wear a small change in your wallet.

Also, the cash may be needed on the food markets, where rarely accept payment by card.

As a result, in Voronezh and you can safely do without the cash, but on condition that you are driving in his car and shop in supermarkets.

Smart ATM card against

Blow on plastic cards have become smart ATMs. From the usual, they differ in the support contactless payments.

To take advantage of this, it is not necessary to bring a map. Simply attach the smartphone with support for Apple Pay, Android Pay or Samsung Pay a special site and enter the pin code on the screen. Then you can update your account or withdraw cash (all of a sudden it is necessary), transfer funds or pay for services.

In this case, the real card can gather dust at home, to have enough with you just a smartphone. ATMs are so smart, I've seen the "Alfa-Bank", the Savings Bank and "Tinkoff Bank."

That is, the need to carry as plastic, and the cash is gone. Map Now you will not lose, do not forget the cafe, it does not get stuck in the ATM, you do not steal it. Take advantage of the smartphone's finger or face will not work without your fingerprint.

Is there life without cash?

Yes, you can safely give up today from cash and cards and pay only smartphone. In just one year developed infrastructure so that I can leave the wallet at home, and not be afraid to be left without money. Although much depends on your lifestyle and the region where you are.

As you have seen, it is an experience from the iPhone users. It would be interesting to find out what services who uses: Apple Pay, Android Pay and Samsung Pay.

Write in the comments, how things are going with this in your area. Is it possible to have the refusal of the cash or we still are ahead of the event?