Megafon “Pay when it’s convenient” service: description, how to disable it, what’s the catch, how to connect it

Megafon is designed to make life easier for customers. With its help, subscribers will retain the ability to use communications even if they forget to top up their balance. But users should take into account that the operator has provided several features that will prevent the option from being abused. Therefore, in order not to encounter difficulties and not to violate the rules for using communications, it is recommended that you carefully read the terms of connection to use the financial service. This approach will significantly simplify the process of receiving money and maintaining contact, regardless of the state of your personal account.

Pay when it's convenient Megafon service. Description

from Megafon allows you to use mobile communications with a zero or negative balance. The subscriber is lent a certain amount to cover the services of the provider. The monetary limit for each subscriber is provided individually and depends on:

• normal mobile phone costs;
• as a rule, the initial amount is about 180% of the average monthly costs and can be changed at the discretion of the operator;
• features and options of the tariff plan;
• the temporary period of use of the SIM card and other factors.

How limits are calculated

To ensure that the company does not incur losses and subscribers can use a convenient service, the administration carefully checks the initial data, after which a limit line is allocated for which the subscriber can go into the red. In order for MegaFon users to connect to the service, a thorough check is carried out.

1. Data on the amount of funds spent over the last three months is taken into account.
2. The period of use of the current SIM card must be taken into account.
3. How intensively telephone communications are used during the day.
4. Be sure to check the number of connected options and the intensity of their use.

After checking all the data, the administration will develop an individual package tailored to the client’s needs. The limit will provide the opportunity, in the event of force majeure, to easily overcome the critical threshold while remaining in touch. You can, having gone into the red, use the services of MegaFon.

How to disable the Pay when it's convenient service

Despite all the convenience of the option, there are subscribers who do not want to use borrowed funds and go into the red. In this case, it is useful to know how to disable:

• ​dial the combination *550*1#;
• ​send an SMS with the text:

1. 2 to number 5050;
2. Please disable Pay when convenient to the short number Megafon 0500;

• ​through the operator of the Customer Support Center 0500;
• ​visit the nearest sales office with your passport.

How to top up a Qiwi wallet

Today there is close and fruitful cooperation between the MegaFon operator and payment systems. This allows clients to transfer their funds between different resources. Moreover, this action is performed very quickly, with a minimum commission. There are so many conveniences, and at the same time you just need to know, for example, how to top up a Qiwi wallet from a MegaFon phone . There are several ways that can be done with or without an Internet connection. Let's look at the following points:

• top up Qiwi from MegaFon using SMS. The action is immediate, which gives tangible benefits. Simply, a message is sent from the phone indicating the wallet number, the amount of money, the main thing is not to forget to put a space in the data. Then the SMS is sent to the service number - 8448, and a request for the need for transfer is received, which should be confirmed. That's all - the money is debited from the account and sent to Qiwi. You need to be aware of commission fees to avoid losing money;
• Only owners of MegaFon SIM cards can top up Qiwi, and “transfer” of no more than 3 thousand rubles is allowed;
• transfer via MegaFon online card. Only by applying for a special offer - a virtual card from the mobile communications team, and linking it to a Qiwi wallet, you can top up your account in a matter of seconds by paying a small commission. You can apply for such a card on the official website of the MegaFon team, where you will need to fill out a special form. Since the card is virtual, you can receive it by simply sending a message to the operator’s portal, with any text, to the number - 4554. Next, you should send a “code” message, written in Latin or Cyrillic, and the operator will send a security code. The client must remember that the balance of the virtual card will contain as much money as is in the phone account. You can transfer no more than 15 thousand rubles at a time.

Some users report that they prefer to transfer funds through their Personal Account. It's really, really simple. Just go to your account and enter your phone number and password. Next, click the “Top up” option and select the desired operator online. In the “Details” window, indicate the amount and confirm the operation. The last thing to do is enter the code received from the operator.

It must be remembered that no operator withdraws money without a commission.

To reduce costs and gain access to quality communication services, you need to make the right choice of operator. MegaFon meets the most demanding customer requirements. The main thing is to pay for the services provided on time.

Payment and notifications

Repayment of the used Megafon limit for the reporting month must be made before the 26th day of the next month inclusive - if there is a debt on the 27th, the number will be blocked.

If a subscriber has an unpaid or partially paid debt for the past reporting period, then a reminder message with account information is sent to him three times (on the 6th, 21st, 26th of the current month):

• ​month of using the limit;
• ​amount of expenses to be paid;
• ​date by which the debt must be repaid.

Alternative connection methods

You can use the help of MegaFon to activate the service. To do this, call the short reference number 0500. To activate the option, a company employee may require you to provide passport information in a telephone conversation.

With the help of a MegaFon branch employee, you can activate the service. To do this, you need a document confirming your identity. Choose any branded communication salon that will be located closer to you; the address does not matter for connection.

In what situations can a subscriber be refused?

• When the promised payment is activated. You must pay off previous debts to connect to the option.
• When using the operator’s services for less than three months from the date of signing the document on the provision of communication services.
• If there are debts on other phone numbers of the operator.
• If expenses during the last three ninety days are less than one hundred and seventy rubles.
• If you have less funds in your account than the limit provided.
• Another reason for refusal may be the linking of other phone numbers to the account.

Please note that you will not be able to connect if you are using corporate tariffs.

Features and limitations of the option

The cash limit for the service is not provided if:

• The owner of the number is a corporate client;
• there are outstanding debts on other subscriber numbers;
• the Personal Account balance is less than the provided limit;
• the period of use of the SIM card is less than 3 months;
• ​the amount of average monthly expenses on communication services over the last 3 months is less than 170 rubles;
• was previously connected.

Making payments and transfers from your number is impossible with a negative balance.

This option allows disciplined and active subscribers not to worry about timely replenishment of their balance. At the same time, you need to be able to use credit funds - there is a possibility that with a large limit, communication expenses will involuntarily increase.

Description

The operating principle of this service is extremely simple. The operator provides customers with a small credit limit, which allows them not to pay a subscription fee for communication in advance. Money can be paid later when the user finds it convenient (within reason). To the description you need to add that:

• There is no need to worry about the cost of connection, since activation is free;
• Using the service also does not require payment.

An important condition for the service to operate is the presence of financial restrictions. The amount available to a person to use depends on a variety of factors, including phone costs and the number of active options.

How to check your balance?

The balance is checked in the usual way and requires entering the short USSD command *100#. You can also find out the account balance in your personal account or mobile application. The size of the credit limit depends on the following factors:

• tariff plan installed on the SIM card;
• the number and cost of connected options and services;
• average monthly telephone expenses for the last 3 months;
• time of use of the SIM card.

There are other factors that can increase or decrease the limit, but it is obvious that the best conditions are provided to regular customers, with significant communication expenses and expensive tariffs. This is the phone company's way of rewarding their loyalty.

Why is there no limit provided?

There are several categories of subscribers who will not be able to subscribe to the Megafon “Pay when convenient” tariff. These include:

• recently connected, using the connection for less than 3 months;
• there is more than 1 number on the personal account;
• the subscriber has debts to the mobile operator (including old debts on unused SIM cards);
• average monthly expenses do not exceed 170 rubles;
• activated.

In addition, activation of the service is not available to corporate clients. Difficulties will also arise for those whose balance has gone into the negative, and the amount of existing debt exceeds the size of the potentially available funds limit.

How is the balance displayed?

Focusing detailed attention on viewing the balance, it should be emphasized that activating the option changes the list of information that is shown to the user when checking the balance. As a result, the owner of the SIM card sees 3 different numbers at once:

• the total amount of money he can spend on the phone;
• the user’s personal money deposited into his account;
• credit limit provided by the operator.

You can understand these figures in more detail in your personal account or during a call to the contact center, but usually the notification received is enough to know and understand exactly how much money you will be able to spend and how much you will have to return to the operator later.

Payment Notice

The existing debt must be repaid by the 27th day of the month following the day the limit was used. To ensure that the subscriber does not forget about the need to return money received and previously used (for example, to pay a subscription fee for a tariff), the telephone company sends notifications about the amount of debt three times a month. Alerts come on the 6th, 21st and 26th. It is important to emphasize that 26 is the deadline for debt repayment. If a few rubles remain unpaid, the operator will block the SIM card. You can cancel the blocking by depositing the required amount into your account. It usually takes a matter of minutes to restore communication.

Peculiarities

The operator does not provide important features that users need to know about. The cellular company itself attributed two minor nuances to this:

• when using the service, the “Promised Payment” function is unavailable; to enable it, you will first have to waive the limit;
• If the balance is negative, third-party financial transactions are blocked.

It is worth noting what the operator includes in the concept of third-party financial transactions. These include mobile transfers and payments. To restore the ability to use this service, just top up your account.

Rules for setting a limit amount

The amount of available debt is equal to 180% of the average amount paid for communication services in the last three months. To find out how much the service costs and what the size of the debt is, simple arithmetic will help:

For example, someone has consistently deposited 230, 340 and 310 rubles into their balance over the last three months. You need to calculate the average for 3 months from the total amount: (230+340+310)/3= 293.33 and multiply it by 180%: 293.33*180= 528 rubles.

This means that the subscriber has the opportunity to receive 528 rubles in debt with a zero smartphone account.

Let me add that you can use this option exclusively in your home zone; you don’t have to pay anything either for connecting it or for using it.

The limit amount is calculated monthly. It can change in either direction: increase or decrease.

What's the catch

There are no special pitfalls here - it is beneficial for MegaFon that the client can use communication services even in the absence of funds. But there is one condition - the subscriber must repay the debt by the 27th of each month. Otherwise, the number will be blocked until the account is replenished. After repaying the debt, the credit limit function can be used again.

Unlike the paid option “Promised payment”, this service is completely free – no hidden fees or charges.

How to connect

Let's look at the available ways to connect to the service:

• The easiest way is to send a service command to the number: *550*1#.
• Send message 1 to number 5050 and the service will be activated.
• Use the help desk by calling 0500
• Connect to the service through your personal account
• Send a connection request through the form on the website

There are some restrictions when connecting to the service. These include:

• Operator clients using corporate packages.
• You cannot use it if less than three months have passed since the SIM card was activated.
• When re-registering a current SIM card for a new user, you will also need to wait at least 90 days before you can use the service.
• If several phone numbers are connected to the user's personal account.
• Having any debt on one of MegaFon's existing packages will not allow you to activate the option.
• Users who spend less than 170 rubles per month on SMS, voicemail and telephone communications within their home region.
• During the validity period it is impossible to connect a new one.
• Exceeding the lower threshold provided by the administration for the current plan does not make it possible to use the service.
• Users who have ever switched to other mobile operators.

To obtain complete and reliable information about the method of connecting the service and the existing restrictions, you must contact your regional representative or go to the nearest office, where they will always provide comprehensive information on the issue of interest to the subscriber regarding the service.

Limit thresholds are always calculated individually and can range from 0.01 rubles to 180 percent based on average payments for the last three months.