Pay.MTS.RU TOPUP: how do scammers withdraw money from your phone?

Let's talk about PAY.MTS.RU TOPUP - what is it and why did they write off the money from the card?

Automatic debiting of funds for the services of a mobile operator is convenient, but it does not come without its drawbacks. One of these is PAY.MTS.RU TOPUP. What is this write-off for? And it’s good that you discovered it in time.

Easy payment – what is this service?

MTS has long ceased to be a simple cellular communication provider; now it has created its own mobile bank, which opens up a huge number of opportunities for the consumer. The service simplifies payment transactions. For example, replenishing a personal account on the Internet. Once connected, you can pay all your bills without commission with the touch of a finger. You no longer need to remember the contract number and the timing of the next transaction. The system will automatically warn you in a timely manner about the need to complete the procedure. All payment transactions are managed through the subscriber's telephone number. This is a significant saving of time and nerves .

Currently the interface is called “MTS Money”. To connect it and start using it, you just need to log in to your personal account under your account. Enter your phone number, and then confirm it using a security password, which will be sent to your phone as an SMS message. On the main page you will see the corresponding e-wallet tab; by clicking on it, you will see the entire list of operations available to you. This service has two main directions of action - an electronic wallet and the provider’s banking products. Below we will look at each of them in more detail.

Online wallet

The service provides the user with the opportunity to create a separate dedicated account for carrying out payment procedures. You can top up at any time in your personal account interface. On the main page you will see the exact status of your balance at the current time, next to it the amount of money in your wallet is displayed. Click on it and select the replenishment option. A new window will open indicating where the money will be transferred from. Three options are available to the user - a personal balance on a mobile device, a bank card or another Internet wallet. After this, enter the amount for the transaction, the display will instantly display the exact amount of the commission fee, it will be approximately one percent of the transfer.

When managing this service, the subscriber receives the following benefits:

Minimum commission fees for conducting transactions in various directions.
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replenishment of mobile account balance;
payments for home Internet and television from different providers;
Payment of utility services;
making transfers to SIM cards of different operators, to bank cards;
pay the next loan amount from the bank in a timely manner;
transport applications and taxi travel;
online games and other entertainment in the network space;
purchasing goods online and in any store;
payment for restaurants, cafes and much more.

The user is able to order a virtual bank card with advanced capabilities, which is not inferior to analogues of other plastic cards.
A modern and advanced encryption system is used to protect all transactions, which minimizes the risk of theft and fraud.
The consumer is able to store and save any amount in his account.
The subscriber can replenish the main balance of the wallet quickly and easily in his personal account or in any provider’s salon.
The operator does not charge any money for servicing your account.
Enable automatic payments, let the system independently process all payments without your intervention.
The user can transfer funds to any bank account.
If your mobile device allows it, then perform contactless transactions using the Pay Pall standard.
The service is available to all clients of the provider anywhere in the Russian Federation.
A simple and convenient interface that will prevent you from getting confused and lost in control.

To make a transfer or payment for a specific service on the official website, you will need to complete several steps:

Open the “MTS Money” tab.
After this, the display will display a list of all possible directions and offers for replenishment. For example, select any mobile operator.
In the next window, select how to perform the operation. As the payer, indicate your phone number, bank card or e-wallet.
Confirm the operation and wait for the funds to be credited.

For convenience, you can create a template according to which you will perform the operation each time. You do not have to fill out all the fields and provide details again. Below, in the Easy Payment service there is detailed information about all completed transfers and financial transactions from the main balance.

Attention! Transfers and payments for MTS services are not subject to commission fees; in addition, there is currently a promotion under which it is not debited for Megafon clients.

Set up automatic payment so you don't have to constantly contact the service for payment. For this:

Open the corresponding tab in the “MTS Money” section.
Select the direction of the transaction, for example, mobile communications.
Enter a name for auto payment.
Read also: Review of MTS tariffs in Stavropol and Stavropol Territory
Indicate the recipient's details, in our case the phone number, as well as the amount of the transaction.
Select the source - electronic wallet, plastic or personal account of the subscriber.
Set the conditions under which the procedure will be performed:

upon reaching a certain threshold on the balance. As soon as the user's funds reach a certain mark, the service will take effect. Enter the maximum limit for the monthly period;
according to a periodic schedule. You need to define a transaction for each week, day or month, or set the exact time yourself.

Confirm the changes.

Bank cards

The provider invites its consumers to order their own bank card and link an electronic wallet to it. There are currently several interesting products available for order:

Credit card:

MTS Zero. There is no commission or additional interest charged for using the offer for the entire life of the plastic – 36 months. You can withdraw your funds from any ATM in your home region, throughout the country and abroad;
Weekend. Receive 5 percent cashback on every purchase, refunded every Friday. When purchasing goods in the official store of the provider, it can reach 10%. The maximum limit reaches 400,000 rubles. The grace period is 51 days from the date of activation;
Universal. Receive 100 percent discounts on tariff plans from the Smart and “X”, “Tarfishe” line. 0% for up to 51 days.

Debit cards – Weekend and Universal.

To start enjoying operator privileges, you need to submit a request for the production of plastic from your number. To do this, go to the appropriate section on the MTS Money service page. Select the product you like and activate it. You can order courier delivery to your home address or pick it up yourself at any service provider branch in your locality.

In addition to issuing a card, the user can take out a cash loan for any area of activity. To do this, you will need to fill out an application on the operator’s official website and wait for approval from the company.

Why do I receive messages about debiting funds?

Messages containing a note about the pay.mts.ru topup transaction are notifications that the owner of the MTS number used the “Easy Payment” service and paid for services through a bank card linked to the subscriber’s personal account number. Any services were paid for using the MTS Money system, which includes mobile banking and electronic wallet services.

In this way the client can pay:

Public utilities.
Education.
Taxi, air and train tickets.
Delivery of food and grocery products.
Movie tickets.
Shopping in online stores.

For mobile banking services, a commission of more than 10% is charged. If you receive a message about a transaction that you did not make, it may have been done by children in your absence, gaining direct access to the phone, or by scammers and virus programs that have remote access to the device.

Mobile version easy payment

For ease of use, the provider has implemented an official mobile application with the same name “MTS Money”, with its help you can perform any functionality from your phone, just like an Internet service. It is provided completely free of charge to all users and is available for free download on any software site. With its help, you can forever forget about your wallet, which takes up a lot of space in your pocket. Make purchases and pay for services in stores, cafes, restaurants and in vehicles with one touch of your mobile device. In addition to the official application, you can use highly targeted services for certain equipment and smartphone models for transactions. Below we will consider them separately.

Attention! For each payment made on the Internet, an additional fee of 10 rubles is charged, a kind of commission from the operator for sending SMS confirmation.

Apple Pay Apple

The payment is made by simply touching your phone to the terminal. Moreover, you don’t even need to wake the gadget from sleep mode or lock; bring it to the cash register, and the system will do everything automatically. But to do this, you will need to link an MTS Money bank card or another from any bank to the interface. Iphone owners need to do the following:

Launch the Wallet utility.
On the top panel, open the adding section.
After this, fill in the plastic details and confirm entering the data into the system.

There is no need to worry about security; it is in no way inferior to standard credit cards; your data is not sent anywhere during the transaction. This Pay MTS function is supported by all devices from version 6 and higher.

Google Pay

This service has similar functionality as the previous representative, but is implemented for devices with the Android operating system. The application is provided completely free of charge; there is no subscription fee for using the interface. To start paying for products, you need to add an MTS Bank card and have a smartphone with software higher than version 4.4. To activate the plastic you need:

Launch the Google Pay utility on your phone.
Click on the add card button and enter its details in the appropriate fields.
After this you need to confirm it. Your SIM card will receive a notification with a security code, which must be entered in the registration field.
Ready.

The MTS Pay application does not work on devices that were imported into the territory of the Russian Federation illegally and unofficially.

Samsung Pay

Install the official Pay Pass application on your Galaxy phone and add a card from MTS and make payment transactions directly with the touch of your gadget. The advantage of the service is that you can make payments at any payment terminal, even those that do not support contactless communication. The secret is that Samsung smartphones are able to imitate the magnetic tape signal of your credit card.

To get started, update your device's software and download the official Samsung Pay app. In the main menu, select the card activation option and enter its number and personal data. After this, an alert with a secret code will be sent to your phone number; write it in the appropriate field. The utility allows you to link up to 12 bank cards to one device.

Disadvantages of pay.mts.ru

pay.mts.ru has a significant disadvantage: the service is activated and debits money from the account automatically, without the consent of the subscriber. In this regard, users often do not understand where this write-off comes from and for what.

The fact is that the financial sector has always attracted scammers, and maintaining anonymity in this case only makes them bolder.

There are many fraudulent schemes for obtaining information. Here is one of them:

Fraudsters call customers, introduce themselves as MTS employees, ask them to perform a series of actions to enter their personal account, and then ask them to dictate a code from an SMS, which is actually a code for making a payment.
They use social networks to carry out mass mailings.
They create malware for smartphones and computers and pose as bank employees or employees of state enterprises.

One significant point is important here: MTS and the bank serving the subscriber do not take this money for using this connected service. In fact, the subscriber himself is to blame for this situation. Unfortunately, not all users check their details of their debits, which allows scammers to work unnoticed for a long period of time.

How to avoid running into scammers?

To protect transactions and increase the security of transactions within the framework, the provider sends SMS messages from the service number “6996”, which describes the amount of the upcoming purchase and its description. To confirm the transfer of your funds, simply send a reply SMS with the code content; to refuse, enter the number “0”. Any payment transaction must be agreed upon and confirmed by the owner of the electronic account or bank card. Nowadays, scammers have started to take advantage of this. There is a popular deception scheme:

The attacker makes a purchase, transfers money, or pays for services, and uses your phone number as details.
After this, as part of the service, you receive a notification from contact “6996”.
Then the fraudster tries to contact the consumer in any way and persuades him to give the password for the transaction. At the same time, he may introduce himself as your relative or close friend.
A gullible subscriber dictates the treasured numbers, after which money disappears from his balance to an unknown account.

Moreover, the user may receive messages stating that there are insufficient funds, this is due to the fact that the attackers make a purchase for an amount that you cannot afford.

Attention! Never tell anyone your security codes, not even employees of the provider company or close people.

In addition, try to adhere to the following recommendations:

Do not leave your mobile device unattended. A fraudster can change the password for your personal account and set up an automatic payment or transfer money from your balance to your phone.
Do not reveal or show your bank card details to strangers, especially the three-digit code on the back.
Do not download unknown or suspicious applications from the Internet onto your smartphone. Do not scan QR codes; they may contain virus programs that can hack access passwords to payment applications.
Do not respond to messages from unknown numbers, do not open links or send outgoing SMS.

Methods to disable the service

If you no longer want to use the payment system from your provider and decide to disable the service, then there are many ways to do this on your own or with the help of qualified operator employees. But unfortunately, it is completely impossible to turn off the service; the most you can do is deactivate bank cards and auto payments. Below, all possible methods are described.

Short commands

To permanently limit yourself from the actions of attackers, set a content ban. After this, your phone number will no longer receive notifications from the short number “7763” to confirm payments. To do this, simply dial the USSD encoding *152*2# and wait for a response from the company.

In the application or personal account

In this case, deactivation should be understood as unlinking a bank card from the service and deactivating automatic payments. To do this, log into your account in your personal account or in the mobile application. In the appropriate section “MTS Money”, disconnect all payment cards from the interface. After this, you will not be able to complete your purchase. The method through your personal account is only possible if you have an active Internet access point.

Address to employees

Find the nearest branch of the operator in your locality and ask a free consultant to activate the content ban service or assist you in disabling it, and you will be asked to provide an identification document. You can try calling the technical support service for MTS subscribers “0890”.

Attention! The article provides information for residents of the Moscow region. In other parts of Russia, the specifics of the provision and functionality of services may differ.

Mobile TeleSystems is not just a cellular provider, it is a full-fledged bank that will allow you to turn your smartphone into a convenient means of paying bills and making purchases. Today we looked at how this can be done using the MTS Money service.

How can fraudsters gain access to an account?

Fraud associated with the Easy Payment service involves a lot of schemes through which unscrupulous citizens can steal money. The main ones:

Call the client, introducing yourself as employees of a bank, insurance agency, government organization, or MTS operators. During a personal dialogue, they ask for passwords or code words, codes in SMS messages, and CVV of a bank card. This information should under no circumstances be shared with anyone over the phone. Even if a phone number is displayed, like that of a mobile operator or bank. Fraudsters may even know some information about the account owner, which should not confuse a person, since the database is sometimes accessible to hackers.
Unreliable mobile applications and virus programs installed on the smartphone. Their installation can be carried out in the background and without the knowledge of the phone owner.
Viral mailings on social networks and email.

Having received an SMS code or password and login from the owner fraudulently, fraudsters gain access to a personal account in MTS. To close it, you need to log into your personal account, go through authorization by entering your password and login or SMS code and end this session, change the password.

If the payment was made from a bank card linked to a personal MTS account, you need to contact the bank operator by phone (not the one you were called on, but the one indicated on the plastic card - dial it manually or using the contacts in your phone) and ask block the card. After this, the financial institution reissues it, assigning a new number and CVV code.

You also need to call the MTS operator 8-800-250-0890 or fill out an online application on the technical support website to cancel the transaction. Technical support number for those in roaming +7-495-76-601-66.