Now it is necessary to enter the PIN code at the sum exceeding one thousand rubles. Why the payment service provider raises a limit as far as it is safe and whether the card holder can limit write-off of means without PIN code to the smaller sum? Photo: Card owners of Visa will be able to pay with Martin Keene\PA Images\TASS purchases to 3 thousand without PIN code. As far as it is safe? Card owners of Visa since April 13 will be able to pay without PIN code purchases to 3 thousand rubles. It is three times more, than now. As reported RIA Novosti in the press service of Visa, such initiative considers today's stage of development of the payment market and the created new payment habits of Russians. Who will benefit from increase in a limit and as far as it is safe for card owners, Candidate of Economic Sciences, the expert in the sphere of finance and banking of the Moscow office "Support of Russia" Vladimir Grigoriev comments: Vladimir Grigoriev the expert in the sphere of finance and banking of the Moscow office "Support of Russia" "On the one hand, is positive sign. Payment service providers, increasing the resolved limits in terms of money of transactions of cards which can be carried out without introduction of the PIN code, do it only after they come to a conclusion that the region in which this increase is authorized corresponds to certain criteria of safety. That is the limit is higher, the safety of operations in this region because for all regions of the world these limits different is higher. But, on the other hand, from the material point of view, of course, it is the most favorable to banks: than processing of concrete payment is simpler (and if we do not enter the PIN code, then it is already at least one operation simpler, and actually on the bigger number of operations), that it will cost to banks cheaper. And as for card owners, a situation, of course, absolutely another: now, if the card fell into hands of the swindler, and the person who lost, does not know about it yet, all risks lay down on him because now the majority of cards are supplied with the PayPass system and the cashier does not even take this card in hand. Therefore card owners should safeguard more". Why Visa raises a limit, the junior director of the bank ratings of the Expert RA agency Vyacheslav Putilovsky explains: Vyacheslav Putilovsky the junior director of the bank ratings of the Expert RA agency "As shows experience, our payments without input of the PIN code got accustomed, people actively use them. Now the prices grew already rather strongly than when restriction in one thousand rubles was introduced. Now the price tag which we pay, for example, at gas station can easily exceed one thousand rubles. That to stimulate people to register further payments, it is logical to raise this limit. As far as it is safe, I think, there is no basic difference: both that and that — the sums small. But to withdraw money from the card it will turn out already easier". Whether the card holder can limit write-off of means without PIN code to the smaller sum, Business FM asked in Sberbank: "On contactless payment on POS terminals of Sberbank — one thousand rubles. So far information about treason
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