RAIPAY APPLICATION
FOR ANDROID

Follow this procedure to pay using the RaiPay application:

• For payments up to 500 CZK (including), light up your telephone before making the payment; for payments exceeding 500 CZK, unlock the telephone. You do not have to open the application to pay.
• Then, place the back of your mobile phone near the terminal and wait for a beep; the screen should display the card used and “OK”.
• For payments exceeding 5,000 CZK, you will be asked to enter your password. In this case, take the telephone, enter the password and hold the telephone back near the terminal again. Now you will hear a beep and the screen will read “OK”.
• If your telephone screen reads “OK”, but the terminal declines the transaction although the card is not blocked and has sufficient funds or limit on it, try waving the telephone at the terminal again.

It’s also good to know:

• For increased security, the application may ask you to enter the password or unlock your telephone at other times as well, for example when your telephone has been unlocked for some time before making a payment exceeding 500 CZK, or if the sum of consecutive lower or higher payments exceeds the particular security limit, etc. When this happens, follow the instructions shown in the application, i.e. take your telephone, enter the password or unlock it and place it near the terminal again until you hear a beep. This is also a good reason to remember your password.
• Mobile phones of certain brands require that you unlock it even to pay CZK 500 or less; thus, we recommend that you always unlock the telephone a moment before the payment.
• For even faster payments, we also recommend that you open RaiPay before making a payment; the application can run either in the foreground or background.
• To have more control, you can set up Advanced password security in the application, which means that you only have to light up the telephone to make payments up to 500 CZK, but all payments above 500 CZK will require you to enter the application password and place the telephone back near the terminal.

You can use the application in traditional stores where you are used to pay using a contactless card, in the Czech Republic or abroad.

Place the back of the telephone near the terminal so that the NFC antenna is as close to the terminal as possible. Mobile phones have NFC antennas positioned differently (the position is slightly different even in various models of the same brand), so you need to try to find the position that works best with your mobile phone. Usually, the antenna is at the back of the telephone (most often near the battery or camera). A mobile phone case may prevent connections with the terminal in the case of telephones having a weaker antenna.

Hold the telephone near the terminal until the telephone beeps and displays the OK screen.

An initiated transaction can be seen in the activity list in the application.

Yes, you can use the application to pay at contactless terminals or withdraw cash from ATMs equipped with a contactless reader abroad as well; the procedure is the same as in the Czech Republic.

For the time being, this feature is not available in our application. However, we plan to add a functionality to create internet cards for online payments in e-shops. The functionality will be available in RaiPay next year.

Payments made with a mobile phone are subject to limits similar to those of the added card.

For amounts up to 500 CZK, you only need to light up the telephone, place it near the terminal and wait for a beep and the confirmation screen (with some telephones, you may need to unlock it before every payment, depending on the particular mobile phone brand).

For amounts above 500 CZK, you need to unlock the telephone, place it near the terminal and wait for the beep.

For amounts above 5,000 CZK, you first need to place the telephone near the terminal, enter the application password and place the telephone at the terminal again and wait for the second beep.

In exceptional cases, entering the application password and waving the mobile phone again is also required for lower amounts (such as when the total limit is exceeded, screen lock changed, when payments are made quickly one after another, etc.). In any case, please follow the application instructions displayed on your mobile phone (or the POS terminal).

For maximum convenience, we recommend that you unlock your telephone before waving it at a terminal to make a payment. If you forget to unlock your telephone for payments above 500 CZK, the application will remind you, but you will have to place the mobile phone at the terminal again. Mobile phones can be unlocked using a PIN, gesture, fingerprint or other applicable biometry.

For all payments it holds without exceptions that you need to have sufficient balance and limits of the card and the card must be active when you make the payment. If the transaction has been declined, please check whether you meet the above conditions.

Also, technical error in NFC communication between the terminal and application is possible. In such case, try to repeat the mobile phone payment or use the plastic payment card, if all fails.

To withdraw cash from an ATM with RaiPay, follow these instructions:

• Place the back of your mobile phone near the ATM contactless reader and wait for a beep and “OK” displayed on the screen.
• For security reasons, different ATMs of different banks may require that you unlock the telephone or enter the application password; we recommend that you unlock your mobile phone right before placing it at the reader.
• If the application asks you to enter your password, follow the application instructions and unlock your mobile phone or enter your password and hold the telephone at the reader until the application beeps and “OK” is displayed on the telephone screen. The ATM should ask you to continue.
• Then, proceed as if you used a physical card: enter the PIN of your physical card and make a withdrawal or another action of your choice.
• If the application asks you to enter the password, remove the telephone from the terminal, type in the password and wave the telephone again at the terminal until it beeps and displays “OK”.