Roskachestvo does not recommend using cash when paying for purchases and services - Information portal

Roskachestvo does not recommend using cash when paying for purchases and services

07 Апреля 2020, 10:24

Roskachestvo does not recommend using cash when paying for purchases and services


Roskachestvo recommends contactless payments and explains why cash should not be used at least in the period of the pandemic. Coronavirus can survive on surfaces for a very long time - from several hours to several days, and it is unclear how many people have touched such surfaces and whether or not all of them were healthy


To minimize contacts with unsafe surfaces and objects, you need to revise a lot of things we've used to. Once we started to pay special attention to hygiene rules, it is time to think of the safety as regards what we hold in our hands – cash. The virus can be transmitted through paper notes and stay thereon for a long time. During a pandemic, switching from cash to non-cash payment methods becomes a particularly pressing issue. Electronic means of payment offer a lot of benefits, with hygiene being the key one. When you give or receive cash to/from another person, there is a risk of transmission of the virus together with money. You can only guess how many people had held the note you received. In March, Rospotrebnadzor (the Federal Service for Surveillance on Consumer Rights Protection and Human Wellbeing) published a recommendation referring to a statement by the World Health Organization (WHO).


According to it, hands should be washed thoroughly when using cash (for those who usually don’t do it), since notes can become a channel of infection, the agency says. With the coronavirus spread accelerating and the safety of public spaces, facilities and things worsening, attention was also drawn to banknotes, which we give and receive daily. You can find many articles on the Internet titled “How to sanitize money from coronavirus?”, “Coronavirus in your wallet” and many other tips of varying degrees of professionalism. One can only guess what other steps Russians are ready to take in order to make using their cash safer. Roskachestvo (the Russian System of Quality Assurance) offers a universal and simple protection mechanism for contacts with banknotes, which can carry viruses. “If contactless payments used to be an opportunity, now it is becoming a necessary measure to counter the coronavirus. You need not try to disinfect cash. Switching to electronic payments is something that can help eliminate this type of exposure,” believes Roskachestvo Deputy Head Ilya Loyevsky. Today, many banks offer a tempting bonus system for those using contactless card payments, including an interest on your account balance, cash back in the form of money or bonus points, discounts from partner stores, participation in campaigns, and many more. This is a great advantage to enjoy.

 “Contactless payment has many advantages. Not only can you easily analyze your expenses in m-banks, but you can also set transaction or cash withdrawals limits, and create additional digital cards for online payments. This improves the payment security significantly and helps make purchases more consciously,” said Anton Kukanov, Head of Digital Expertise Centre at Roskachestvo.


If you cannot pay contactless using a smartphone, smart watch or other devices, pay with a chip card and don’t let anyone touch it. Unlike banknotes, the card is used by the cardholder alone as a rule, and therefore, a card payment can almost zero out the chance of getting infected through cash. In the midst of quarantine, nothing warms as much as the thought of traveling when it becomes safe. And when this happens at last, you won’t have to exchange paper money for the currency of the country of your destination, the conversion will happen automatically when paying abroad, if you store your money on the card.


Also, many banks offer multi-currency cards allowing money exchange in a few clicks. A quick remote payment for mobile communications, the Internet, goods and services from home is impossible unless you have a credit card. This is another plus. If you happen to lose your card, you can always contact the bank and return the funds stored on it, while lost notes are beyond recovery.

The Roskachestvo Digital Expertise Center prepared tips to simplify the use of non-cash money in everyday life.


1. During the outbreak of coronavirus, wipe the bank card with a special disinfectant. However, do not overdo it - the substance should not be aggressive, as this can damage the bank card or graphic information on it.

2. Before paying with a card or when buying online, check the total amount, because the seller or courier can make mistakes both in their own and in your favour. This rule is often forgotten, but the consequences might be sad.

3. Do not disclose bank card details to third parties. If a person under the guise of a bank employee gives you a call from an unfamiliar number prompting you to give your card details, be careful – most likely, s/he is a scammer, because banks would never call you to warn about a card being blocked or to notify of fraudulent transactions. They will simply block it and will be waiting until you respond, namely - visit immediately a bank branch or contact the call center at the number available on the back of the card.

4. Remember that contactless payments do not always require a PIN code. Therefore, if you store the card in an unsecure place, any fraudster who has a payment terminal can bring it close to your card and steal an amount. This refers to PayPass or PayWave contactless payment technology, when it is enough for the user to tap the card on the terminal to pay. It is important to keep a bank card out of reach for a fraudster. You’d better keep multiple cards together, rather than keeping just one. This will prevent the fraudster’s device from “understanding” which card should be debited. Another solution may be an RFID enabled wallet: this technology will prevent your bank card data from reading when in the wallet. Unfortunately, in the age of hacker attacks and cybercrimes, additional protective measures won’t go amiss.

5. If you just plan to apply for a bank card, compare banks’ offerings. Pay special attention to the amount of monthly card service fee, the availability and size of cash back, discounts for cardholders. All these should match your income and expenses pattern. A “golden card” with exclusive benefits is not good for everyone, since the benefit package may prove to be redundant for some people.

6. Make your budget using the bank’s mobile application or website. Categorize the spending by utilities, food, entertainment, mortgages, etc. The monthly budget made in advance will let you not be afraid of overspending and you’ll start to stick to the plan. Perhaps this will help you begin to cut down expenses or save money for your dream to come true.

7. Enable an SMS notification service to be informed about your bank card transactions, but don’t forget about fees or fixed charges that may be applied. This tool is necessary to detect fraudulent card transactions immediately and respond timely. Try to regularly check card account statements. Online banking or m-app is the most convenient way to do that.

8. The money intended for online purchase should be transferred from the primary card to the additional one immediately before making the payment. So, even if your card is “spotted” by scammers, they will be able to lift only a limited amount on the additional card. Otherwise, they will get access to all the money on the card, indeed, and they could hardly resist the temptation to steal the entire amount.

9. Before entering card details for payment in the online store, check the website address. It must necessarily begin with “https: //” accompanied with the image of a closed green lock. And do not forget to make sure that the site name matches the name of the store.

10. Do not use the date of birth as a PIN code, and especially do not write the PIN code on your card or other media located near it (for example, on a sheet of paper in your wallet). If you are not ready yet to switch to contactless payments and go cashless, remember that you must follow the established hygiene recommendations, avoiding touching your face with your hands after you touched the banknotes. After you contacted with them, wash your hands thoroughly with soap and water immediately. A water-alcohol solution (with alcohol concentration exceeding 60%) is an alternative.

There is another trick that can help you, although it cannot be relied upon completely. This is using a non-dominant hand when holding the banknotes. When we unconsciously touch our face, we usually make it with the dominant hand (the one we are used to). Take a better look at your habits and be aware. It is quite clear that after the streets are crowded with people again, and the stores, restaurants and cafes are full with visitors, we will then take a more responsible approach to hygiene and revise our habits. Our old-shoe world is being transformed dramatically when exposed to the pandemic. We are forced to become more rational in spending and change behavior scenarios. The migration to cashless payment is an important and correct solution.



Источник: Roskachestvo

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