The modern world is unthinkable without communications for business and personal relationships. Statistics have shown that people forget to pay mobile operators more often. A zero balance may not arrive on time, and it is often not possible to pay immediately. Most operators have a Promised or Trusted payment option. Iota has established itself as an alternative option to mobile operators without imposing all sorts of options. Therefore, borrowing money when the balance tends to zero is not so easy. All information on how to take the promised payment on Yota, the actual presence of a specific action, is presented in the article. Let's see if it's possible to borrow money on Iota?
A little history
The Yota operator has always been minimalistic and offered a modest range of additional services compared to its closest competitors. The “promised payment”, common among other cellular providers, was completely absent from Yota SIM cards. Instead, subscribers were asked to use the Internet at a speed reduced to 128 Kbps to top up their accounts using electronic wallets and online banks. The idea to introduce “Promised payment” came from subscribers. In the “Idea Factory” project, where users could submit ideas for improving the service, this proposal took up about 45% of the total number of applications. Ultimately, the company gave in and made concessions. On April 24, 2021, the launch of the “Pay Later” service was announced, which became an analogue of the well-known “Promised Payment”. Until June 1, 2021, the service was completely free. Now, money is withdrawn for its use.
Methods to replenish your mobile balance
At the same time, the provider does not allow you to request loans from other users. And the exchange of money between SIM cards within the operator is also impossible. But we cannot ignore the wide range of services that allow you to quickly and profitably send money to your Yota SIM card account. In particular, you can use the following methods:
- company voucher;
- debiting funds from an electronic wallet;
- transfer of finances from a bank card via online banking;
- exchange of savings between SIM cards of different mobile operators.
The use of vouchers of the same name is a universal replenishment option that is provided by all providers without exception. But as for the use of virtual payment systems, everything is much simpler here, since you do not need to look for a computer to access your virtual storage. Due to the fact that, although at low speed, the connection works, and topping up from your phone will be quick and profitable.
The same applies to the use of Internet banking. Using the main page of a financial institution or a mobile banking application, a subscriber can deposit money into his mobile and account in a matter of minutes and, after rebooting the phone, return to full communication.
According to news channels, Yota is working on adding a service for obtaining a loan from an operator, but the service will primarily be available only to legal entities and corporate clients. It is still unknown under what conditions subscribers will use the option, as well as when the function will become available to individuals.
Cost of use
Topping up your balance is a paid service. Its cost depends on the amount credited to the number:
- If you were credited 100 rubles, in addition to this amount 10 rubles will be withheld;
- If the balance is replenished by 180 rubles, an additional 20 rubles will be written off;
- If 260 rubles are credited to your account, a week after activation another 30 rubles will be debited from above.
The withholding amount is 10% of the total amount of the received loan. The resulting number is rounded to a multiple of ten - 10 rubles, 20 rubles, 30 rubles. and so on. Rounding is in favor of the operator. If the payment percentage is 25 rubles, the number is rounded to 30 rubles.
Myths and misconceptions
Most subscribers consider the inability to replenish their account on credit as a disadvantage of the company. Yota management, on the contrary, considers this condition a huge advantage for customers. When the balance approaches zero, the provider does not block the user’s access to the Internet, but only reduces the speed to a minimum value.
In accordance with the statement of the head of the company, this method allows Yota clients to develop discipline and responsibility.
ATTENTION!
Balance replenishment is always available through your “Personal Account” or mobile application.
In a situation where it is currently impossible to top up the card, but there is a need to make an urgent call, it is suggested to use the “Call me back” option.
The function consists of entering a certain combination of characters - *144*telephone number with code#. The other subscriber will be promptly notified by a message containing a request to “Call you back.” The request becomes available a few seconds after sending, the person seeing it makes a call to your phone number.
The main principle of Yota is not to profit from its own users. The relationship with this condition does not allow the organization to enter the “Trust payment” option into the list of permitted services for clients.
How to take the promised payment on Iota
The “Pay later” service can be activated only if there are not enough funds in the account to charge the monthly subscription fee for the tariff plan. The connection is made using a special command: * 906 #. Soon after entering the USSD request, an information message will be sent to the subscriber's number. In it you can find out details about the service, as well as confirm the action being performed. After confirming the command, the subscriber's account will be temporarily replenished. Usually the money is credited instantly, less often - within a few minutes or half an hour.
There are no other connection options. This function cannot be found in your personal account on the website or in the application, and sending an SMS with the required code to the operator will also not work. The only alternative methods of connection are to call the operator’s Contact Center at number 8 or visit the nearest communication store. The service is provided for 7 days and is not automatically renewed. If the money is not received during this time, the SIM card balance will go into the negative, and the provision of communication services will be suspended until the subscriber account is replenished.
Operating principle
If the money in your account has melted, and you really need communication, then there is a saving option: “Call me back.” By entering a known sequence of numbers, you request activation of this feature, and the provider sends a message to the second subscriber asking them to call you back. The combination looks like: *144*code, subscriber number#. In a few seconds, the request is updated, an SMS is sent to the recipient, and then it depends on the latter whether he will call you back or not. The Yota company does not want to make money from its clients in this way. That's the only reason it's still included in the rating. If you don't find how to connect it, it's not realistic. If you really want this function to appear and you plan to use it in the future, then you should write a corresponding proposal on the official website of the representative. We can only hope that experts will heed the requests of their own customers, who really lack this option, and will change their ideas. When submitting an offer you must:
- Go to the main site.
- Find the “Make a proposal” button.
- Go through authorization.
- Use email data, the response will be sent by mail.
- Print the proposal itself.
- Don't skip entering the special confirmation code.
- Submit your own preferences.
- Wait for the company's reaction.
Don’t hesitate when you are about to connect to the Yota provider, but you are confused by the lack of the communication function in question, do it! Yota is the only cellular company that provides the right to use the worldwide network at zero cost. The prospect of making calls and sending SMS is excluded, but you can use the Internet, albeit at low speed. This won't last forever. Exactly two months are given to replenish your account, otherwise access to the Internet will be cut off altogether. All questions that arise regarding the alternative regarding “Iota Trust Payment” are resolved by support service specialists. The company will be happy to tell you how to solve the problem. Thus, there is only a negative answer to the following question: “How to take a trust payment on Yota?” Don't waste time searching for this function, you won't see success. As soon as possible, try to use the Internet that is not disconnected to top up your Iota cellular balance.
Comparison with competitors
Unlike Yota, other cellular operators have long been offering their own “Promised Payment” options. Let's figure out which ones are more profitable.
MTS
“Promised payment” in the amount of up to 30 rubles. This company provides it completely free of charge. Other prices depend on the specific loan amount:
- Up to 99 rub. — 7 rub.;
- Up to 199 rub. — 10 rub.;
- Up to 499 rub. — 25 rub.
If 500 rubles are temporarily credited. or more, an additional 50 rubles will be debited when debiting funds.
Compared to other operators, this is the best offer.
Megaphone
The commission for using the service is exactly 10% of the total cost without rounding. Thus, if you borrowed 50 rubles from an operator, you will have to pay 5 rubles for it, and if you borrowed 300 rubles, it will cost 30 rubles. The offer may be noticeably more profitable than that of Yota, because without rounding you can save significantly. If you “borrow” 150 rubles from Yot, you will have to pay another 20 rubles on top, while with Megafon for the same amount the commission will be 15 rubles.
Beeline
The available replenishment amount directly depends on the amount of money spent monthly on communication services in the last three months. The cost will be as follows:
- If you spend 50-70 rubles, no more than 30 rubles will be credited, and the additional payment will be 10 rubles;
- If you spend up to 200 rubles, the balance will be replenished by 100 rubles, and another 25 rubles will be kept on top;
- If you spend up to 400 rubles, 200 rubles will be credited to your account, and 35 rubles. this amount will be debited for the provision of the service;
- If expenses amount to 400-700 rubles, the “Trust payment” will be 250 rubles, and 45 rubles. you will have to pay extra.
If more than 1,000 rubles are spent per month. for three months in a row, 500 rubles will be received immediately as a “Promised payment”. 55 rubles will be charged for use. This option becomes more and more profitable as the price of the incoming payment increases. However, compared to other offers, these are quite high prices.
Tele 2
For this operator, the cost of the commission depends not only on the volume of funds, but also on the duration of the service. There are several fixed options:
- 100 rub. for 24 hours with a deduction of 15 rubles;
- 200 rub. for 3 days with a deduction of 25 rubles;
- 350 rub. for 3 days with a deduction of 40 rubles;
- 450 rub. for 3 days with a deduction of 50 rubles;
- 800 rub. for 3 days with a deduction of 85 rubles.
This offer is less profitable than that of MTS or Megafon, but noticeably cheaper than the Beeline option and may be more attractive than the option from Yota.
Common questions from Yota network users
Of course, many subscribers, especially those who have only recently become clients of this operator, are faced with the need to receive an advance payment. And based on this, various questions are asked. It is worth considering the most common of them.
How to apply for an advance loan service? The Yota company does not currently have such conditions. The only thing the operator can provide and promise is not to deprive the subscriber of access to the Internet, but to provide it at a minimum speed. The client is allowed to use this service for up to 60 days. This time is enough to top up your smartphone balance with the required amount and restore full access to the network.
Will the “Trust Payment” service be introduced into the operator’s service package? The Yota team is always attentive to the wishes of its subscribers. And considers all their proposals. Therefore, if the client is really interested in having a familiar option, he should send a written proposal to the company management.
Summary
The Yota operator introduced the “Promised Payment” option on its SIM cards only in April 2021. The “Pay later” option can only be activated using a USSD request, as well as when visiting the office or calling the hotline. Since June 2021, the service has become paid. The cost of its connection is not the most profitable on the market, but in terms of duration, Yota has surpassed its competitors. While other operators offer “credit” for 1-3 days, Yota provides a whole week of using the option.
Operator financial capabilities
Almost all mobile and Internet operators provide their customers with the opportunity to borrow a small amount of money, which will be enough to always stay in touch and not stop communicating. This function is called “Trust payment” and is provided on the following basic conditions:
But, at the same time, to use such a service, it is enough to enter a digital command, read the terms of service and confirm the submission of the application for debt processing. This is not a new option, but, unfortunately, not all providers have added it to their range of services, which is due to different individual characteristics and operating principles.
Yota is on the list of the newest mobile communication providers. And it provides its users with a not very large list of related services. So far, subscribers can only use voice calls, SMS, and multimedia messages. In addition, owners of SIM cards from Yota also have access to the Internet. But the company continues to develop and plans to present its customers in the near future with a more advanced package of possible interactive and financial services.
As for the ability to take a “Trust Payment” to a Yota card, this function is not available to subscribers. The company administration explains this by their reluctance to create debt relations between the provider and clients. Therefore, when a zero balance is formed on a phone number, the provision of basic interactive services ceases.
https://youtube.com/watch?v=Y9p1-OJoWzo
Alternative option
The mobile operator does everything possible so as not to put its customers in an awkward position. This is due to the absence of a minus account when using communication services. They do not make debtors out of users.
Currently, there is an analogue for Yota trust payment. First of all, this is due to the possibility of surfing the Internet in the absence of funds on the balance at a low speed of up to 64 kBit/sec. Only the time period for this option is set at two months. In this case, there is an obligation on the part of the subscriber to pay the subscription fee for the previous period.
This allows you to use the Internet and send important messages if necessary. Even after the expiration of the two-month period, the user needs to pay the amount according to the tariff and all services will resume and be fully used.
Repayment of the debt amount
The answer will be unequivocal - no way. This provider has no options at all from the “Opportunities with zero balance” category. As an alternative, the operator offers quite impressive functionality for replenishing a personal account:
- Bank cards.
- Electronic payment systems.
- Transfers from subscriber numbers of other service networks.
However, the company is not going to lend its own money to users. Therefore, if you are interested in the question: “How to take the promised payment on Iota?”, you can forget about this possibility.
You can repay using any available method of replenishing your balance:
- From a bank card.
- Via terminal.
- At the Beeline sales office.
Note! You must pay off your debt within 5 days, otherwise your phone number will be blocked.
How to pay for Yota Internet with a bank card
Quite a popular payment method. In order to pay for Yota from your bank card, you can use:
- official website of the mobile operator
- third party payment systems
- Internet banking of your bank
If you pay on the operator’s website, you need to go to the “Payment” section. There you need to select from the list the service that is paid for. In this case it is: “Internet” or “Mobile communications”. Then enter the phone number, the amount to be deposited, and the details of the card itself. Then the payment is confirmed, after which the money is credited to the account. In most cases this happens instantly, but sometimes there may be delays. This happens rarely.
If you use third-party platforms for payment, you will also need to enter the phone number to which you want to transfer money, and the details of the bank card itself. Afterwards the payment is confirmed. You can use different platforms, for example: Yandex. Money”, etc.
Iota does not welcome the development of situations where clients become debtors and subsequently find themselves in difficult circumstances. However, the company understands the need to maintain communication and provides some compensation in return.
A service that compensates for the lack of provision of a trust amount in debt from the Yota company is the use of the Internet for two months. free of charge. The speed will be low, no more than 64 kbit. Access to the function is limited if the subscription fee for the previous period of use has not been paid.
Important! The ability to use the Internet will allow partial communication. But in order to return to the full list of possibilities, it is better to deposit funds into the account as soon as possible.
If the Internet has not been used for a long period of time, you will need to contact the operator's technical support service. Employees will explain how to make payment and restore the function.
