How to connect VK Pay - how it works, how to create a wallet

What is VK Pay

VK Pay is a platform for paying for goods and services within the application and in online stores. Users can pay for goods and order tickets for events using only the social network. The service is widely popular for a number of reasons:

1. Convenience - there is no point in keeping a bank card or bank details nearby; confirmation is provided by phone number or QR code.
2. Multifunctionality.
3. Save time.
4. Safety.
5. Profitability - users are constantly offered unique offers for purchases and return of a share of the funds spent.

In essence, this service is a payment system with more convenient management than its analogues and pleasant bonuses in the form of cashbacks for certain payments.

Refill

To pay for all kinds of purchases through VK Pay, you need to top up your personal account. To do this, on the main page of the application, click “Top up” and then enter the amount. After that, click next. You will be asked to enter a PIN code.

If you skipped and did not add a card in the previous step, you will now be asked to do so. Or the data will be automatically inserted if the addition step earlier was successful.

In any case, you will need to click on the “Next” button. After this, your bank’s payment service will open, where you will need to indicate the code sent to you via SMS. Enter the required numbers and click “Submit”.

If everything was done correctly, your account in the VK Pay service will be replenished.

The balance is replenished from Mastercard, Maestro, VISA, Mir bank cards - no commission. The exception is when the transaction fee is charged by the issuing bank. There is also no commission charged for transfers within the system.

You can withdraw money from VK Pay only to a bank card of one of the specified payment systems. Money is not withdrawn for alternative resources.

Money is withdrawn to Mastercard and Maestro cards free of charge, provided that the withdrawal amount does not exceed 15,000 rubles. If the limit is exceeded, or when withdrawing to cards of other payment systems, the commission will be 3%, but not less than 50 rubles.

What is vk pay for?

Social network users are not always ready for innovations and are wary of the emergence of a new payment method. However, it is enough to understand the advantages and using the new service will be a pleasure. VK Pay is needed when paying for goods, transport services, or raising funds for a gift for a colleague or friend.

This payment method is chosen because there is no need to constantly use a bank card and monitor its security, because the data is protected.

How does vk pay work?

The financial platform appeared relatively recently, the functionality is constantly being refined, expanded and improved. The operating principle is similar to analogues. It is possible to deposit and withdraw funds, transfers and payment using the service. A nice bonus from the developers is that there is no commission when replenishing your wallet. Users after registration have access to two possible packages:

• base;
• extended.

The basic package is available for clients who have not undergone identification. The wallet assumes:

1. Storing an amount on the balance sheet up to 15,000 Russian rubles.
2. The maximum possible payments are up to 40,000 rubles.
3. Inability to withdraw funds to the card.

After confirming the passport data, the user will have access to an extended wallet with the following services:

• savings up to 60,000 rubles;
• payments up to 200,000 rubles;
• the ability to withdraw funds via card;
• translations are available to other users of the social network.

The client himself decides which wallet to use; naturally, if business activity is being carried out, it is more profitable to undergo authorization and get an extended version.

Is it necessary to link a bank card to VK Pay?

Linking a card is a voluntary procedure. The fact is that without a card (credit or debit) you will not be able to top up your balance on the service. You can also withdraw funds only to the card.

If there is not enough money in your account to make a purchase, you can pay for the cost of the goods from your card without entering its details. In total, up to 3 bank cards are linked to one profile.

There is no alternative option for replenishing your balance in VK Pay. Yandex.Money, QIWI, Webmoney and other systems are not used for these purposes. Replenishment is made only from bank cards.

The main method of depositing and withdrawing funds here is your bank card. Let's link it to our account.

Go to the “Maps” tab, and in the next step click “Add map”.

A window will open where you need to enter the card number, expiration date and CV code. After that, click on the “Add card” button. The service will try to debit 1 ruble from your card account and then return it back. This is necessary to check the correctness of data entry. If you specified everything correctly, your card will be linked.

How to use VK Pay

VK Pay is a universal method of mutual settlements with stores, banks and individuals. In order to pay the account, you need to deposit money into the virtual account from a debit card. You can use the service using a PC or smartphone.

To ensure that the process of depositing and withdrawing money does not take much time, you need to fill out a form and activate your VK Pay account. After this, you can link the card to your wallet and make contactless payments. In fact, you can link several cards from different banks.

To replenish a virtual account, enter personal data and enter your personal account, then click “Top up”, fill in the data in the table and confirm the financial transaction, after which the money will be credited almost instantly. Payments are also made through the account and money is transferred to other users.

Summing up

Don't ignore the possibilities of payment services. They provide convenience and comfort when performing financial transactions. You can withdraw money without any problems. To fully use the wallet, it is important to register. Select the type of tool on the platform. Perform monetary transactions. Pay for purchases. Despite the usefulness of the new wallet, users need to delete the service. This is impossible to do, you can only connect. The only way out is not to use it.

VK Pay – is it safe?

The Vk Pay service is a convenient and safe way for users who regularly make purchases in online stores on the VKontakte website. It is used by a large number of sellers and small entrepreneurs.

In order for the service to be beneficial, you must adhere to some rules:

1. Do not log into VK Pay from public networks.
2. Do not provide personal information to third-party users (even to acquaintances during correspondence, which can easily be hacked by attackers).
3. Do not save large sums of money in your Vk Pay account - for this it is recommended to use existing organizations that have an increased level of reliability in protecting confidential data.

How to connect and configure Vk Pay

To connect Vk Pay and receive a premium bonus it will not take much time - you need to follow the step-by-step instructions for identification:

• register or log into your personal account on the VKontakte social network;
• on the left side of the menu select the “Vk Pay” section;
• become familiar with payment systems;
• set and confirm the Pin-code for the application.

VK Pay personal account is activated and offers services for a basic account. To launch advanced functionality, you need:

1. Click on the “Fill in” column and enter confidential data – series and passport number.
2. You can choose from SNILS or INN.
3. Wait for the test results (no more than 8 hours).
4. As soon as the system checks the entered data, you will receive a notification from the VKontakte website that the basic status in Vk Pay has been successfully changed to advanced.

How to top up a VK Pay account from a QIWI wallet

The rules of the VK Pai service indicate that you can only use a bank card to top up your account balance. However, there is a loophole that allows you to transfer funds from wallets of other payment systems to your VKontakte account. Many of them issue their own virtual cards. These online services include:

• Kiwi,
• WebMoney,
• Yandex money.

And these virtual accounts, which have the same details as bank cards (number, expiration date, CVV code), make it possible to transfer your money from electronic wallets to your VK Pay balance.

Let's look at how to do this step by step, using a Qiwi wallet as an example.

1. When the e-wallet has already been registered, but you have not yet received the card, you can order it on the website qiwi.com. To do this, you need to log in to your account using the “Login” button.

1. In the “Login” window, enter the mobile number for which the wallet is opened and the password for the account. Click on the “Login” button.

1. Through the main menu of your wallet, go to the “Bank Cards” section.

1. Here click on the “Order card” button.

1. In the list of offers find the item “QIWI Virtual Card”. Click on the button labeled “Order card” again. It is released instantly.

1. Return to the “Bank Cards” section. Having spoiled the brand new virtual “credit card” there will be a round button for calling an additional menu. They click on it.

1. In the list that opens, select “Show details”

1. In this case, an SMS with a password will be sent to the mobile phone to the number of which the Qiwi wallet is linked. And at the same time a window will open on the site in which you need to enter this confirmation code. Then click on the “Continue” button.

1. After this, the details of the user’s virtual card will open on the screen. This “credit card” will have a single balance with the QIWI wallet. Therefore, when transferring funds from her account, they will automatically be debited from her wallet.

1. To top up VK Pay, follow the appropriate link on your VKontakte page. In the account management section, also click on the “Top up” button. Enter the amount and fill in the details of your new virtual “credit card”.

1. As in the previous example, an SMS with a password will be sent to the phone linked to the Qiwi account. It is also entered into the cell and clicked on the “Confirm” button.

1. After this, a message will appear on the screen stating that the account has been replenished with the specified amount.

The advantage of this method is that money is transferred from Qiwi without commission. In addition, a virtual credit card is issued online instantly and free of charge. There is also no service charge.

Be careful! More recently, virtual Qiwi cards were issued for a period of two years. Currently they have only been open for a year. But then you can order a new one again.

What can you pay?

VK pay has wide functionality that allows you to pay for almost any product or service. A virtual wallet will help you pay for:

• airline tickets;
• consultations in medical institutions;
• clothes, food, entertainment;
• communication services;
• fines from public services (traffic police);
• internal services of VKontakte.

In order to pay for an order at a burger joint or for fashionable sneakers in a store, you need to go to the vk pay application and follow the step-by-step instructions.

1. Find and mark the product or service for which you need to make a payment.
2. Select “Pay via VK Pay”.
3. Tell the cashier the code that will be sent via SMS.
4. Wait until the order is completed.

If the product was ordered through an online store, you must also select a delivery method.

So that friends can transfer funds to the wallet, they generate a QR code and send it through any messenger. When you click on the link, immediately indicate the transfer amount and click send.

Features and Features

The functionality of the new addition from the VKontakte developers is quite large. At least it has all the basic functions for making transfers. VK Pay provides the authorized user with the following opportunities.

1. Tracking the current account balance.
2. Replenishment, withdrawal of funds, money transfers using bank details in favor of another person - a participant in the system.
3. Linking several bank cards (up to 3 pcs.).
4. History of requests and completed operations.
5. Sending payments using QR code and phone number.
6. Several types of account.
7. Changing the PIN code and personal data.
8. The ability to pay for purchases and services in popular stores and services that are partners of the social network (the full list is available in the application).
9. Receiving cashback, discounts, participation in various promotions from partners.
10. Fast payment for the Internet, traffic police fines, mobile communications, digital television, purchase of VKontakte votes and other services.

Cards and payment systems

The payment sending service works with the following cards issued in different countries of the world, depending on the international payment system used.

At the same time, the work of VK Pay in a certain country depends on reaching an agreement between the payment system and the bank making the transfers. In the near future, it is planned to fully implement this payment instrument in Belarus. The social network is working to provide services in other countries.

How to create an account

The question of how to connect VK Pay is relevant for those who are not yet familiar with this tool. Here are instructions for creating a user account. To do this you will need to follow the steps below.

• Log into your VKontakte social network account.
• Find the “VK Pay” application in the main menu on the left of the VK user page and click on this link.

• View three welcome slides from the application after reading the terms of the offer. Move through the slides by clicking the Continue .

• Create and enter a four-digit PIN code to protect your credentials. In the next step, repeat the entered password.

• The member's main profile page will open.

• Next, to complete registration and receive full functionality, you will need to fill out a form, confirming your data. To do this, click on the “Fill” .

• Verifying your credentials takes no more than 8 hours.

• After successful verification, the account status will change from basic to advanced.

• A corresponding notification from VK com Pay will inform you about the completion of the identification procedure.

• After this, all functions of the application will become available to the account holder.

For owners of their online store - the VKontakte community, this payment service also provides its services. To connect VK Pay to a group, you will need to complete the following steps.

• Open your community page on VKontakte.
• Select the menu item “Actions” - “Community Management” .

• Then click on the “Settings” and go to the “Products” . Open the “Show settings” .

• Set all necessary settings. In the store description section, be sure to check the “Store” to enable the option.

• Next, you will need to activate the payment acceptance function for the store.

• And fill out a standard form to order goods.

• After completing the necessary operations, the page of the store itself will open. Click on the far right button “Settings” .

• Scroll down the page and find the “Payments” . Here you set the type of payment via VK Pay, the size of the discount and other options.

• The connection of the VK Pay payment service to the VKontakte community is now complete.

How to use

Here we will look at how to use VK Pay to make payments, purchases, transfers and other operations. To top up your account you need.

• Open the main page of the wallet and click the “Top up” .

• Enter your payment card details and enter the payment amount. Confirm the operation with the code from the SMS message to credit funds to your account.

To withdraw money from your account to your card, you must.

• Click the “Withdraw” from the account working page.

• Specify the withdrawal amount, select the desired card.

• Click on the “Withdraw” to write off funds from the balance.

When you need to transfer money to another card that is not available in the list of main cards, you will need to select “New card” , enter new details - number, expiration date and CVV2 code.

VK Pay provides the opportunity to pay for various goods/services from partners, Internet, television and other services. The process itself is no different from the traditional payment method through online banking or e-wallets. To purchase, you will need to open the community or any application and place a regular order. At the stage of selecting a payment method, VK Pay will be automatically indicated. If necessary, enter your work email address.

The payment operation is confirmed by the “Pay” .

You can transfer money via VK Pay using the phone number or account name of the recipient of the funds. In addition, you can use the transfer request QR code. To send money you will need.

• On the main page in the main menu, click the “Translate” .

• Select the account of the transfer recipient.
• Indicate the amount and, if necessary, write a comment.
• Click on the transfer button.

Note. The user to whom the transfer is sent must have an identified account.

In the “Cards” section, a participant can link a maximum of 3 valid cards. In this case, the card from which the wallet was first replenished will be automatically linked to the page. To link a card, follow the steps below.

• Go to the desired section.
• Select "Add card" .

• Enter the payment details of the card you are linking and click the add card button.

Attention. When linking a credit card to your wallet, you should be extra careful. The bank may regard this operation as a money transfer and write off a commission for it.

Setting up VK Pay

In order to understand how to set up VK Pay from the profile page, it is most convenient to follow the steps following the instructions below.

• Go to the VK Pay application.
• Open the “Settings” by clicking the far right button of the top menu.

• Here the following functions are available to the user: change the PIN code;
• change of personal data;
• terms of the Offer;
• information on current tariffs;
• Conditions of the Cashback option from VK Pay;
• change account type.

You can also always contact the application’s technical support to resolve any issues that may arise.

How to earn money in VK Pay

There are several ways to make money on the VK social network in general and VK Pay in particular. Here are the most common and proven ways to earn money for a VKontakte member.

• Creation, promotion of your own group and advertising to earn money.
• Writing advertising messages in groups.
• Selling goods and services through public.
• Monetization using affiliate programs.
• Community design.
• Work as an administrator of a VKontakte group.
• Likes, reposts, clicks, comments for money.
• Creation and promotion of accounts and groups.
• Other methods of earning money.

Speaking about earning money through the VK Pay system, there are also several ways to receive funds into your wallet.

• Advertising and other services for money to a VK Pay personal account.
• Purchasing goods from VK partners with cashback up to 20%.
• Request for financial assistance through the “Collect” function.
• Participation in promotions and purchasing goods at a discount.

In general, the question of how to make money through a social network does not seem new. Many users today have learned this method of earning money and successfully sell their ideas, services or other projects. Finding a part-time job or starting to earn big on a popular social network will not be a problem for those who have seriously decided to start generating income in VK Pay.

The VK Pay payment platform today is a simple means of transferring money, paying for purchases, buying tickets, paying a fine, paying for services and performing other operations in a few clicks. It will suit many users who are accustomed to using electronic payments. VK Pay can be put on a par with such major players as Yandex.Money or QIWI wallet. Product developers are trying to constantly improve the quality of their services to users, providing them with ever greater opportunities.

Service commission

The payment system does not charge a commission for replenishing your wallet, but you should follow the bank’s notifications. Some of them make money by withdrawing additional funds when transferring funds to services that are not owned by the financial institution.

When withdrawing money from a wallet to a card in the amount of up to 15,000 rubles per calendar month, no additional payments are provided. When withdrawing more funds, the commission will be 3%.

The social network intends to develop its own payment system, so in the near future the range of services and goods for which you can pay will only grow.

How to top up VK Pay from your phone balance

Another way to top up VK Pay, which not everyone knows about, is to transfer money from a mobile phone account. The service does not allow you to do this directly. However, many cellular operators, along with regular SIM cards, also issue their own bank cards. Among them:

• MTS;
• Beeline;
• Megaphone.

More on the topic: How to connect VK Pay to a page, group, store - detailed guide.

Some of them have a common balance with a mobile number. And when transferring money from such a credit card, the finances are debited directly from the phone account. Others have to be refilled first. However, this method should also be kept in mind if there is a need to urgently transfer funds to the VKontakte page.

Topping up your VK Pay balance is very easy. If you do this through QIWI, you will not have to pay a commission for the transfer. It is also easy to transfer money to your VKontakte account via a bank card or mobile phone. Moreover, the minimum transaction amount is only 1 ruble.