совершать бесконтактные платежи(The subway is spotless; restaurants offering a popular Japanese-Russian fusion cuisine overflow; people make contactless payments for most things using their phones; there is a ridiculous concentration of luxury cars; the internet functions impeccably, as it does in all of Russia.nytimes.comART Vancouver)
штраф за досрочное погашение(кредита; тж prepayment premium, prepayment penalty: A penalty assessed against a borrower who elects to pay off a debt before its maturity date. This amount can potentially be quite significant. 'More)