Discount
Instead of a swollen wallet that no longer fits in your pocket due to dozens of cards, this application offers the use of virtual wallets. In each of them, as if on shelves, you can arrange and store savings, discount and other cards. All data can be easily searched not only in the application, but also through Siri or Spotlight. There is synchronization with iCloud, a convenient widget and support for Apple Watch.
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DISCOUNT CARDS
Developer: Rezo Mesarkishvili
Price: Free
How to use the Wallet: discounts, bonuses, certificates and more
The application has many different functions. In addition to storing plastic cards, you can use it to:
- pay for purchases in stores and transport;
- register in loyalty programs of various retail chains and stores;
- issue a new card (club, bonus, discount);
- issue a credit or debit bank card;
- buy a gift certificate;
- receive discounts and bonuses.
Using the application is very simple. To do this you need:
1. Download “Wallet” from the App Store or Google Play and install it for free on your smartphone (Android or IPhone).
2. Register by phone number or via social networks, enter a password and link your email address. You can also enter an additional password to secure your login.
3. Fill in the profile data: last name, first name, patronymic, date of birth, gender, phone number and e-mail and confirm them. The application can be used without registration, but in this case, all user data cannot be restored when changing a smartphone.
4. Enter all available plastic cards into the application. To do this, you need to go to the “Add your card” section and take a photo of each card from both sides. After which the application will process the data and add it.
5. Confirm your cards by clicking the “Confirm” button. After this, the status “Accepted” appears, that is, the card can be used and it works.
6. If there is no barcode on the card, you need to enter the number manually.
Virtual wallet for bonus cards: all in one
If you don’t have a plastic card on hand, you can issue it directly from the display window in the application. For this:
1. Go to the “Issue a new card” tab;
2. In the “Offers Store” that opens, select the one you need and click the “Release” button;
3. Check all the consent boxes and click the “Continue” button;
4. The card is issued automatically and placed in the “Wallet”;
If the client has received such a card previously, the program will find it in the list and add data with existing savings.
After all cards have been entered and processed, they are saved in the application. Sorting is not provided and to select the desired card you will have to use a search by name.
The “Wallet” showcase contains offers from program partners. These are retail outlets that participate in loyalty programs. All options available for release are divided into groups:
- food products (Perekrestok, Okay, CSfood, MIRATORG, Grow Food, METRO);
- clothing (Austin, SELA, Funday, Tom Tailor, Henderson, etc.);
- beauty (“Rainbow Smile”);
- cosmetics and perfumery (IL DE BEAUTE, Podruzhka, LOccitane);
- sporting goods (Sportmaster, Nike, Street beat, Reabok);
- electronics (M.Video, re:Store, iPot, ICOVER, Samsung);
- shoes and accessories (Zenden, Mascotte, Respect, Rendezvous, EL Tempo);
- children's products (Lego);
- health (“Happy Look”);
- auto (G-family.ru, Avtoprofi);
- jewelry (585GOLD, Silver Wings, SUNLIGHT, 585-Gold, etc.);
- household goods (BENARTTI, Matras.ru, Grill&Joy, etc.);
- );
- construction products (K1 Stroy, DSREM.ru).
Each card in the application has a personal account. It contains details of the bonus program, addresses of points where it is accepted, current promotions and balance (for club cards).
To access your personal account, you need to select a card and click the button in the upper left corner.
Discounts from partners
The application serves as a “clearinghouse” for publishing current discounts that partner stores offer to their customers. To view them, you need to go to the “Offers Store” in the “Discounts” tab.
The offers are divided into groups for convenience:
- restaurants (Dominos Pizza, Starina Muller, Grand Cafe “Vkusno”, Morocco, etc.);
- food products (ABC of Taste, Perekrestok);
- cosmetics (Magnit Cosmetic);
- beauty (salon “Golden Curl”, beauty studio “Glyanets”, etc.);
- entertainment (Metropolis Park, Fixie Show, discounts on theater tickets, quests, shows, etc.);
- jewelry (Adamas);
- goods (purchasing flowers, equipment, gadgets in different stores);
- food delivery (“Shaki Maki”, “Alan Mos”, etc.);
- tourism, health, training and more.
To receive a discount you need:
1. Select an offer and enter it. Inside there is all the information about the promotion and the conditions for the discount.
2. Click on the “Issue” button, accept the terms and click “Issue a new coupon”.
3. After this, discounts appear in the “Wallet” on the main page along with the saved cards.
Issue of bank cards and other financial products
“Wallet” offers users not to waste time going to the bank and issue a bank card from the application. The list of partner banks now includes: Alfa-Bank, Otkritie, Post Bank, Promsvyazbank. Debit and credit cards available.
All possible program options are available in the “Banks” section of the partner offer store.
Required for release:
1. Click on the desired card. For example, we chose the “Your Cashback” debit card from Promsvyazbank.
2. Inside the tab there is data on the conditions for issuing and servicing the card, benefits, detailed information about the loyalty program for owners.
3. To release, you need to click “Proceed”. Next, the system directs the user to the official website of the bank, where he will need to enter personal data and confirm it.
As far as I understand, it is assumed that the issued cards will be stored in the application, which allows the user to leave home with literally one smartphone and make all necessary payments and purchases without the participation of plastic.
It should be noted here that the “Wallet” application from CardsMobile positions itself as an NFC service for remote issuance and use of contactless bank cards in a mobile phone for online and offline payments. At the time of writing this review, it is not possible to issue a card directly in the application, at least on the smartphone of the reviewer (Honor 8 with NFC support).
But since October 2020, the contactless payment service Wallet Pay has been launched in the application. It allows you to transfer existing MasterCard payment system cards to smartphones and other gadgets and pay for purchases using your phone, similar to the existing payment services Google Pay, Apple Pay or Samsung Pay. Directly in the application, they also promise to issue bank cards of partner banks in the near future (the so-called digital issue of payment cards), which is very convenient for customers and safe (the specifics of the tokenization technology used are many times safer than classic payments using a card).
So we are expecting the emergence of opportunities to issue bank cards of partners in the mobile application and are testing existing capabilities.
Also in the “Banks” tab, you can apply for a consumer loan from partner banks (more precisely, not apply, but follow the affiliate link for further processing on the bank’s website). There are few offers (loans for any purpose from Post Bank and Promsvyazbank).
To apply, you need to go to the tab with the selected loan, read the terms and conditions and click the “Apply” button.
The application directs the user to the bank's official website to fill out a form and confirm the data.
This functionality is not very convenient, since there are still very few banks in the list of partners, and, therefore, there is no choice of loan products. To apply for a card or loan, you still need to go to the bank’s official website.
Purchasing gift certificates
A gift certificate is an excellent gift solution for family and friends. “Wallet” presents certificates from partners that can be purchased without visiting retail outlets. The entire range is located in the “Offers Store” in the “Certificates” tab.
Inside each tab, the cost of purchasing the certificate, the benefits and what it can be used for are indicated.
To purchase, go to the selected certificate and click the “Issue” button. Next, you need to accept the conditions and select for whom the certificate is being purchased (as a gift or for yourself) and click “Continue”.
Then select a card for payment. It must be added to the "Wallet". If such cards are not there yet, the application immediately offers to add it. After this, you can make payments according to the instructions on the smartphone screen.
Purchased certificates are stored in the “Wallet”. If the certificate was purchased as a gift, then you must select the “Give a certificate” option, then from the list of applications select a social network or instant messenger through which it will be sent to the recipient as a link.
Payment using the application at retail outlets (Pay Wallet)
To take advantage of a discount or receive bonus savings, the client needs to open the card from the application and present it at the checkout. The store employee scans the barcode from the phone or enters the card details manually if the barcode is missing. After which the system automatically credits the client with a discount.
But sometimes it happens that not all stores accept virtual cards, since they are not equipped with modern equipment. Some discount cards do not have a barcode and cashiers refuse to enter the number into their program manually.
Payment by bank card is carried out according to the type of contactless payments from the Wallet Pay payment service, that is, you need to open the saved payment card in the application and bring your smartphone to the payment terminal.
At the moment, you can pay with MasterCard cards from partner banks, which include well-known and large banks such as Alfa-Bank, Promsvyazbank, VTB, Post Bank, Otkritie, etc. Why MasterCard?
The fact is that Wallet Pay is a payment service for mobile contactless payments, which is based on the MDES tokenization platform from MasterCard (Mastercard Digital Enablement Service or in Russian Mastercard Digital Unlock Service), which allows the service to work on any NFC-enabled Android device , and in the case of wearable devices - on any operating system.
Tokenization, according to the information on the MasterCard website, is the process of replacing the main 16-digit plastic card number (PAN) with a unique alternative card number or “token”, and you can read more about this technology in the article about Google Pay (all similar payment services work the same).
The advantages of this payment method are that all cards are always with you on your phone, they are difficult to steal or lose, and it is much safer to pay from your phone than from the card itself - this is how tokenization technology works.
Stocard
A simple application for storing discount cards, which helps relieve the user’s wallet of a large amount of plastic. The program is convenient in that it has the function of an assistant that determines a person’s location and notifies him about discounts in nearby stores.
| Advantages | Flaws |
| Simple functionality and the presence of an assistant | Only cards that have a bar code or a special number can be entered into the database |
| Recognition of all cards. Even if the desired store is not in the list, the user can enter the barcode number and add it | The user can only store discount and bonus cards; he does not have the opportunity to accumulate bonuses or use additional functions |
| It is possible to sort cards by category | There is no possibility of contactless payment for purchases |
| No advertising | When entering data into the database, the title photo of the store is not saved. Therefore, the buyer will have to add it himself |
Device requirements
The “Valet” application, as it is called in the Russian-speaking environment, works on all iPhone models starting from the sixth series. It also requires a personal ID to function. This is either a Touch ID fingerprint scanner or Face ID facial recognition system for the latest smartphone models.
The utility is pre-installed. If for some reason there is no required icon on the iPhone desktop, most likely the application has been uninstalled. It can be downloaded from the official website or found in the AppStore.
Another interesting article for you: How to hide or hide applications and folders on iPhone
Discount cards - PINbonus
A convenient program with a simple interface and a minimum number of functions. You can add any types of discount cards here: with a magnetic stripe, barcode, or special number.
| Advantages | Flaws |
| No registration, you can log in through social networks | Cards cannot be grouped into categories |
| Cards are saved quickly using a special information reader | Information about accumulated bonuses in a particular store is not displayed |
| The application works offline | There is no way to receive information about promotions in neighboring stores |
| The program reads cards not only of Russian, but also foreign stores | Advertising presence |
Settings
The application provides additional features for managing cards. After clicking on the selected card, additional information and settings open. The following operations are available:
- removing a card from storage;
- updating information;
- information about the company that issued the card (for example, its contacts);
- activation/deactivation of auto-update;
- enable – disable the ability to display on the locked screen;
- choosing a program for a specific card;
- opening public access (not applicable to everyone);
- allowing automatic selection;
- turning notifications on and off.
General information on cards is also available in the application. You can check the size of the discount, study the circulation history, get news about current promotions or changes in flight times.
Another interesting article for you: How to delete a page (your profile) in Odnoklassniki from an iPhone
