You have just changed bank and among the payment cards associated with your new account there is one with a circuit ATM. Having never had such a card before, however, you are not sure how it works and if it is possible to use it for online payments. For this reason, you did some research on the web and ended up straight on this guide of mine.
That's the way it is, am I right? Then let me tell you that you've come to the right place at the right time. In the next paragraphs of this tutorial, in fact, I will explain to you how to pay online with Bancomat. First of all, it will be my pleasure to tell you what is meant by the term "Bancomat" and what are the payment cards that use this circuit.
Next, you will find directions to activate Pay ATM, the service that allows you to make payments in stores with your smartphone, to exchange money digitally with other people and to pay online with ATM cards. How do you say? Is that exactly what you wanted to know? Well, then let's not dwell further and see how to proceed. Enjoy the reading!
Index
- Is it safe to pay online with an ATM?
- How to pay online with Bancomat Pay
- How to pay online with Maestro Bancomat
Is it safe to pay online with an ATM?
Prima di enter the live of this tutorial and spiegarti how to pay online with Bancomat, it is necessary to make a necessary distinction between debit card and credit card and, above all, explain to you what is meant by the term "ATM".
Unlike what many think, in fact, Bancomat is not a type of payment card, as it can be a credit card or a prepaid card, but a real payment circuit associated with a specific payment card.
What is erroneously referred to as an "ATM" is actually one Debit Card with payment circuit ATM, PagoBancomat e Pay ATM. The first is the circuit that allows you to withdraw cash from automatic teller machines (ATMs); the second is the circuit for making payments and deposits at enabled POS terminals, while Bancomat Pay is the circuit used for exchanging money and online payments.
The term "Bancomat" is also often used to indicate debit cards from other payment circuits, such as Maestro of MasterCard or V Pay split. So say "Maestro ATM" it is incorrect as they are two different payment circuits for debit cards. However, since the latter may have two different payment circuits, it is fair to say "debit card with Bancomat and Maestro circuits".
But what are debit cards and what are the differences with credit cards? There Debit Card is a payment card linked to a bank or postal current account with which it is possible to carry out various types of operations, such as payments in physical and online stores, deposits and withdrawals. When a card of this type is used to pay, the amount is immediately deducted and, consequently, for the operation to be successful, it is necessary to have the amount to be paid in your account.
La credit card, on the other hand, it is also connected to a bank account but, unlike a debit card, it allows you to make payments even if the amount to be paid is not temporarily available on your account (as long as you do not exceed the monthly spending limit , called ceiling). This is because when a payment is made with a credit card, the amount paid is not immediately deducted, but is withdrawn from the account once a month.
In conclusion, if you are wondering if it is possible and if it is safe to pay online with ATMs, the answer is yes to your first question. In fact, it is possible to pay on the Internet with debit cards with the Bancomat Pay circuit and it is also possible to do so with debit cards from other circuits (eg Maestro).
When it comes to security, too, you can sleep reasonably soundly, as long as you use your card up trustworthy sites trust them. In this regard, my guides on how to shop online safely and how to prevent online scams may be helpful.
How to pay online with Bancomat Pay
As mentioned in the opening lines of this guide, it is possible pay online with Bancomat Pay, one of the payment circuits of the Bancomat brand associated with debit cards. In particular, with Bancomat Pay it is possible to exchange money, pay with your smartphone in affiliated shops and make payments from the Public Administration through the pagoPA service.
To do this, you must first activate the service via theapp Bancomat Pay for Android and iPhone devices or, in some cases (eg Intesa Sanpaolo and UniCredit), directly using your bank's application.
In the first case, all you have to do is start the Bancomat Pay app on your device, press the button Activate Bancomat Pay and, in the new screen that appears, select yours banking institution. Then enter yours cellphone number in the appropriate field and press the icon of freccia rivolta verse destra, to receive an SMS containing a verification code.
Then enter the code in question in the field Enter the verification code and press the icon again freccia rivolta verse destra, to verify your identity. Once this is done, the procedure for completing the activation of Bancomat Pay varies depending on the bank selected previously.
For example, if your intention is pay online with Bancomat Bpm (Banco Bpm), after verifying the mobile number via the Bancomat Pay app, you must open Banco Bpm Online Banking via the Web, taking care to keep the Bpay app open on your smartphone, in order to generate a QR Code to be framed with the smartphone on which the Bpay app to be enabled is installed, or alternatively an OTP code must be generated to be typed in the Bpay app, for verification. The procedure is also similar for other banks that require the activation of the service through the Bancomat Pay app (eg. Mediolanum, Credit Agricole, Monte dei Paschi di Siena etc.).
How do you say? You would like to know how to pay online with an Intesa Sanpaolo Bancomat? In this case, you will be happy to know that Bancomat Pay is integrated into your bank's application and no special operation is required for its activation. In fact, the service is automatically active on all debit cards (and also on the prepaid card with IBAN device) of the bank in question.
To use Bancomat Pay to pay in stores or exchange money, to change spending limits or deactivate the service, start the Intesa Sanpaolo app and, on the welcome screen, press on the item Pay ATM. More info here.
If, on the other hand, you are wondering how to pay online with UniCredit Bancomat, also in this case the service is active for all customers of the bank and to make the payments simply start the UniCredit Mobile Banking app for Android and iOS / iPadOS devices, access the section Pay and select the option Pay ATM. More info here.
Regardless of your bank and the procedure carried out to activate Bancomat Pay, to make online payments using the service in question, simply select Pay ATM as a payment method, enter the cellphone number associated with the service and, after receiving the payment request notification on the bank or Bancomat Pay app, confirm the operation by facial recognition, fingerprint or by entering the PIN created when activating the service. Simple, right?
How to pay online with Maestro Bancomat
As I explained to you in the introductory lines of this guide, ATM e Maestro they are two different payment circuits. However, it is possible that both circuits in question are associated with the same debit card and, consequently, the latter can be used to make online payments on sites that accept one or the other (or both) of the circuits.
For example, among the payment methods accepted on Amazon, there are also debit cards with Maestro circuit. If so, all you need to do is log into your account, select your options My Account e Secure, click on the button Add a credit or debit card and, in the new screen displayed, enter the data associated with your payment card in the appropriate fields. For the detailed procedure, I leave you to my guide on how payment on Amazon works.
Alternatively, if you need to make an online payment but the site / service of your interest does not accept debit cards with the Maestro circuit, you can always associate your card with PayPal and use the latter as a payment method (provided it is accepted). To learn more, you can take a look at my guide on how to create PayPal accounts.
