How XME Pay works

Speaking with your best friend, who is also an Intesa Sanpaolo customer like you, you learned that with the bank’s app, through a service called XME Pay, you can not only make payments online and in physical stores using your smartphone but also store your documents, loyalty cards and receive and send money to friends and acquaintances. To learn more, you have done some research on the web ending up straight on this guide of mine.

That’s the way it is, right? Then let me tell you that you’ve come to the right place at the right time! In the next paragraphs, in fact, I will explain how XME Pay works, also providing you with all the information necessary to activate the service in question. Also, I’ll show you the walkthrough for both making payments online and in brick-and-mortar stores and adding your personal documents and loyalty cards from your favorite stores.

How do you say? Is that exactly what you wanted to know? So let’s not waste any more time chatting and immediately move on to the action. Courage: make yourself comfortable, cut out five minutes of free time and, smartphone in hand, dedicate yourself to reading the next paragraphs. Follow my instructions carefully, try to put them into practice and I’m sure you will be able to activate and use XME Pay without encountering any kind of problem. That said, all that’s left for me is to wish you a good read and a big good luck for everything!

Index

• What is XME Pay for
• How to activate XME Pay
• How XME Pay Intesa Sanpaolo works
  • How to use XME Pay for payments
  • How to use XME Pay with documents and loyalty cards
  • How to use Bancomat Pay
• In case of doubts or problems

What is XME Pay for

XME Pay is an Intesa Sanpaolo service integrated directly into the official application of the famous Italian bank. It is a real digital wallet that not only allows you to manage your bank account and Intesa Sanpaolo payment cards but also to add personal documents (e.g. driving license, identity card, health card, etc.) and your own cards loyalty (e.g. the supermarket card), to be presented at the time of purchase directly from your smartphone.

With XME Pay it is possible to use the phone to make payments securely both in physical stores and online, on sites affiliated with Masterpass (eg. Vodafone, IBS, Esselunga, MediaWorld, Meridiana and many others).

Furthermore, with the Bancomat Pay function of XME Pay, it is possible to exchange money with friends, relatives and acquaintances simply by selecting the contact of your interest from the phone book or specifying their mobile number. In addition to documents and loyalty cards, with XME Pay it is also possible to archive images and information, with the possibility of monitoring the expirations of personal documents and other users.

Finally, if you are wondering what the XME Pay costs are, you will be happy to know that the service in question is completely free for all Intesa Sanpaolo customers.

How to activate XME Pay

As mentioned in the previous paragraphs, XME Pay is integrated into the Intesa Sanpaolo app for Android and iPhone devices. All you have to do to use the service in question, therefore, is to download the bank app and activate O-Key Smart, the system that allows you to authorize every single Internet Banking transaction via your smartphone.

If you have already done both, you are ready to use XME Pay. Otherwise, access the store on your device, write “Intesa Sanpaolo” in the search field and press the button to start the download and installation of the bank app. For the detailed procedure, you can read my guide on how to download the Intesa Sanpaolo app.

At this point, start the app in question, tap the Enter button, enter the customer code that was provided to you when opening your account (the same one you usually use to access Internet Banking services from a computer) in the Code field holder and press the Continue button. Then enter the 5-digit PIN associated with your account in the appropriate field and tap the Continue button to access the Enter O-Key screen.

If you still have the plastic key for generating temporary authorization codes, enter the PIN code generated by the latter in the appropriate field or type the code you received via SMS, press the Activate O-Key Smart button and enter the code PIN associated with your account.

Finally, press the Continue button to receive a security code via SMS: then enter the code in question in the Security code field and tap the Continue button to complete the activation of O-Key Smart and start using XME Pay. To find out more, you can take a look at my guide on how to activate O-Key Smart.

At this point, access the main screen of the Intesa Sanpaolo app again, press the XME Pay item and tap the Activate button. Then enter your PIN code in the appropriate field, press the Confirm button three times in a row and you’re done.

How XME Pay Intesa Sanpaolo works

After the necessary initial premise and the procedure to activate O-Key Smart, you are ready to find out how XME Pay Intesa Sanpaolo works and how to use the service in question both to make payments and send money and to upload documents and loyalty cards.

How to use XME Pay for payments

With XME Pay you can make payments online and in physical stores. In the first case, all you have to do is start the Intesa Sanpaolo app, choose the XME Pay option and press the payment card of your interest (it is automatically associated with the service). At this point, press the Set payments item and move the lever next to the Masterpass option from OFF to ON, to enable online payment on sites affiliated with Masterpass.

During the purchase phase, therefore, choose Masterpass as the payment method, click on the button to complete the order and, in the new open page, select the Intesa Sanpaolo option. Then enter the access data to your account in the Owner code and PIN fields and press the Send button, then check that the payment data displayed on the screen and the shipping address are correct and press the button to complete the payment. Once this is done, you will receive a notification from Intesa Sanpaolo on your smartphone: tap it to authorize the payment and complete the operation.

If, on the other hand, you want to make a payment in physical stores with XME Pay using your smartphone and you have an Android device, you can rely on the PAyGO service which allows you to pay in all stores enabled with contactless technology simply by bringing your smartphone close to the POS. But first, you need to enable Near Field Communication ( NFC ) services from your device’s Settings, by accessing the Device Connections and NFC sections. In this regard, my guide on how NFC works might be useful.

To activate PAyGO, start the Intesa Sanpaolo app, select the XME Pay option, tap your credit/debit card and, in the new screen displayed, press the Activate PAyGo button. Alternatively, log into your account, select the Other option, at the bottom right, tap the Settings and privacy and Digital payments items and move the lever next to the PAyGo option from OFF to ON.

Then follow the instructions shown on the screen to create a PAyGo PIN, a 5-digit code that you will need to enter to make payments using the cards associated with PAyGo. At this point, you are ready to pay in physical stores using PAyGO. At the time of payment, start the Intesa Sanpaolo app, select the PAyGo option, choose the card you want to use for payment, enter the PAyGo PIN code and bring your smartphone close to the POS, to complete the payment.

Finally, I would like to point out that you can pay in physical stores with your smartphone also with Bancomat Pay . Alternatively, I remind you that Intesa Sanpaolo also supports payments via  Google Pay and Apple Pay.

How to use XME Pay with documents and loyalty cards

In addition to payments in physical and online stores, with XME Pay you can also manage your documents and loyalty cards and use them even when you do not have the hard copy with you.

To upload a new personal document to XME Pay, start the Intesa Sanpaolo app, click on XME Pay, locate the Personal documents section, click on the Add document option and select the option of your interest ( Identity card, Health Card, Driving License and Passport ) from the menu that opens.

Now, enter the PIN you usually use to access Intesa Sanpaolo Internet Banking services (or authenticated via facial recognition or fingerprint), frame the document you want to upload with the camera of your device and follow the instructions shown on the screen, to best scan the document in question. If, on the other hand, you have already photographed your document before, you can upload it directly by clicking on the little man icon, at the bottom left.

At this point, make sure that all the data is legible and press the + button (if not, tap the trash can icon to repeat the scan), to scan the inside or back of your document. Once this is done, tap the Continue button and, in the new screen displayed, put the check mark next to the option of your interest between I am the owner of the document or The document belongs to another person.

Either way, enter as data in fields Name holder, owner name, number, issuing authority, date of issue, date of expiry and, if desired, add any comments in the field notes. Finally, tap the Save button to save the document in question and add it to the XME Pay document list.

If all went well, you will see the [document type] message added. Furthermore, by clicking on the Add deadline to calendar button, you can add a deadline on your calendar (eg the expiry date of the document in question) and receive a warning in the days before the deadline.

It will be useful to know that on XME Pay you can also add other types of documents (eg bills) that you intend to archive or for which you want to receive a notice when the expiry date is approaching. In this case, after starting the Intesa Sanpaolo app and selecting the XME Pay option, click on the Add document and Other document options. If, on the other hand, you have already uploaded at least one document, tap on any document already present in your virtual portfolio, press the + button at the bottom right, and choose the Other document item from the menu that opens.

At this point, all you have to do is scan the document with your device’s camera (you can also avoid doing so by pressing the Skip option ), enter the data in the Title, Expiration date and Notes fields and press the Save button, to add it to XME Pay.

If, on the other hand, your intention is to add a loyalty card, you should know that the procedure is almost identical to uploading a personal document. To do this, access the XME Pay section, click on Add loyalty card and, in the new screen displayed, choose the card you are interested in or select the option Other card not in the list.

Regardless of your choice, scan the barcode or QR code of the card in question with your device’s camera or select the Enter manually option, to add the card code by hand. Then enter the name of the card in the appropriate field, select a color to associate with the card (if the card you are inserting is not among those available in the Intesa Sanpaolo list) and tap the Save and Close buttons to add it to yours virtual wallet.

After adding the documents and loyalty cards of your interest to XME Pay, you can use them even when you do not have the physical copy with you. For example, if you want to use the supermarket loyalty card at the time of payment to accumulate your points, start the Intesa Sanpaolo app, log in to XME Pay and tap on the loyalty card of your interest, to view its barcode. and have it scanned by the cashier operator. It will be useful to know that on the screen related to your loyalty card, you can also complete the payment in the store, by clicking on the option Go to payment.

Finally, I would like to point out that the scan of your personal documents (eg identity card or driving license) available on XME Pay is not valid for recognition in public offices. Remember, therefore, to always carry a paper copy of your identification document with you.

How to use Bancomat Pay

Bancomat Pay is another service associated with XME Pay that allows you to send and receive money to friends and acquaintances (who in turn use Bancomat Pay) but also to create payment groups to divide an expense or create a collection to collect money. In addition, it allows you to pay with your smartphone in partner shops.

To activate Bancomat Pay, start the Intesa Sanpaolo app, press the Enter button, to access your account, select the Other item, at the bottom right, and choose the Settings and privacy and Bancomat Pay Profile options. In the new screen displayed, tap the Activate button, make sure that the phone number displayed on the screen is correct and press the Continue button to activate Bancomat Pay.

At this point, you are ready to use the service in question. To do this, start the Intesa Sanpaolo app, press the Bancomat Pay item, select the Exchange money option and, if you have not already done so, allow the app to access your phone contacts. Then press the + button at the bottom right, select the person of your interest, by tapping on his name (or select the New contact option to manually enter the mobile number of the person of your interest), and choose an of the options available between Request and Send, to request or send money.

Regardless of your choice, enter the amount to request / send in the How much field, specify the reason in the For field and tap the Confirm button to complete the operation.

How do you say? Do you want to create a group to raise money or divide an expense? In this case, in the Exchange money section, select the New group option, put the check mark next to the contacts of your interest and press the Next button. Then enter the name of the group in the appropriate field and, if you wish, also enter a description and a photo. Finally, click on the Next button to create the group in question and start collecting money and sharing expenses.

If, on the other hand, you want to pay in the store with Bancomat Pay, after starting the Intesa Sanpaolo app and selecting the Bancomat Pay option, press the In-store item and, at the time of payment, scan the QR code that is shown to you by the merchant with your device’s camera.

Alternatively, click on the shop icon, at the bottom right, select the shop of your interest (if you have activated the location services it should be the first result), enter the amount to be paid in the appropriate field and tap on the button Confirm, to complete the payment. Simple, right?

In case of doubts or problems

If you have followed my instructions in detail but still have some doubts regarding the operation of XME Pay, you can access the section of the Intesa Sanpaolo app dedicated to the service in question and find the information you are looking for in complete autonomy.

To do this using your smartphone, start the Intesa Sanpaolo app, press the XME Pay option and tap the Help item , at the top right. In the new screen displayed, select the option of your interest ( What is XME Pay, Add personal documents , Pay with Masterpass etc.), to find the answers to your questions.

If, on the other hand, you have tried to use XME Pay but have encountered some malfunctions and want to obtain support from the bank’s customer service, start the Intesa Sanpaolo app, press the Enter button, to access your account, select the option Talk to us , in the menu below, and, in the new screen displayed, choose the item Online branch, to get in touch with a real operator via chat.

Alternatively, select the Email option , tap the + button at the bottom right, choose the Online branch item , then the Various information option through the appropriate drop-down menu, enter your message in the Write message field and press on the Send button , to send your request by email.