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What is rbk money. Reviews about RBK Money. Deposit and withdrawal of funds. Tariffs in RBK Money

The RBK Money payment system appeared after the name of Rupay was changed as a result of its purchase by the RBC media holding Information Systems” in 2008, the credit organization LLC NKO “EPS” became the new owner in 2012. It operates throughout Russia. The year 2016 has been declared the year of reboot, global rebranding. During the existence of RBK Money, there were both negative reviews and cases of fraud, and now the team is going to improve the position of the payment platform.

Registration on the RBK Money platform

Creating an electronic account is easy. To do this, you need to follow the link rbkmoney.com/ru/koshelek-rbk-money. Be sure to fill out the fields marked with an asterisk.

Do not allow the RBK Money service password to coincide with passwords from other payment platforms.

After filling out the required data, go to the account security settings page. We indicate the payment password, the answer to the secret question and enter the captcha. A letter with activation instructions will be sent to the specified e-mail. The platform is available to legal entities and individuals. Registration in the RBK Money service is free.

To log into the system, as well as view your balance and other account data, you must enter your login password. When making payment transactions in RBK Money, transfers and exchanges Money, the system will require you to enter the so-called RBK Money payment password. This is for added security.

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Types of wallets

After registration, a standard RBK Money account becomes active, naturally, which has certain restrictions. Improve email account RBC Money can be upgraded to extended by confirming the owner’s personal data.

Owners of improved wallets have the following benefits:

monthly limit RUB 300,000;
commission for transfers 0.3%;
withdrawal of monetary assets in the amount of up to 300,000 rubles;
exchange for electronic money 100,000 rub. per month.

You can confirm your personal data by providing a completed application in the prescribed form (certified by a notary and sent by mail). You can also come to the Contact transfer acceptance point with your passport and send 50 rubles. at your own expense.

Top up your account in RBK Money

You can deposit money into your wallet in the following ways:

using Internet banking;
by placing money in a payment terminal;
Bank transaction;
in Euroset stores;
money transfer;

Replenishment through Internet banking occurs instantly, and no commission is charged. When paying or topping up through Eleksnet, DeltaPay, Comepay, Rapida terminals, select the required provider and insert banknotes. The commission is 0%, credited to your RBK Money account instantly. Crediting to the account by bank transfer takes up to 3-5 business days, and a commission is charged according to the bank's tariffs.

No more than 200,000 rubles, available only to residents of the Russian Federation. At any “CONTACT” point in Russia, no commission is charged when transferring to RBK Money. Using electronic Webmoney, Mobile wallet, Yandex Money and others, you can top up your RBK Money wallet. Commission is charged.

Exchange RBK Money

Naturally, the RBK Money platform is integrated with various payment systems. In particular, exchange is carried out for Webmoney and Yandex Money. On the website banks.webmoney.ru you can organize the exchange of Webmoney for RBK Money. To do this, you will need to issue a formal Webmoney certificate and an extended one in RBK Money. After this, you need to specify your RBK Money account in the “Link account / card” menu. After the merger we make an exchange.

Exchange exchanges are also actively used, for example, BestExchangers.ru. More details about the exchange can be seen in the following video:

Security, fraud protection

RBK Money positions itself as a multi-level secure system. Previously, there was a program called “100% guarantee”. According to this program, you are fully insured against theft of your money, and if this happens, which is unlikely, the resource will fully compensate for your damage.

In case of problems with fraudulent activities, you must write to technical support, which operates around the clock. By describing the problem to the security service, RBK Money will protect you from fraudulent schemes. However, in practice, cases of money being written off from electronic accounts are often mentioned, and problems are observed with the withdrawal of funds.

Security is provided by two separate passwords, and you can also enter control by IP address. Payment procedures at RBK Money are applied using SSL cryptography with a 128-bit key. In addition to the above measures, there is protection against chargebacks (chargebacks) and fraud (for example, theft of card data on the Internet). At least that's what they assure us on the website.

Let's sum it up

In conclusion, we note that electronic payment system RBK Money has certain advantages, namely: commission-free replenishment, instant payment, more than 250 thousand points of depositing funds throughout the Russian Federation, good integration with online stores, work with 120 different currencies. However, you can also find negative reviews about RBK Money. These are quite high tariffs, difficulties in working for residents of the CIS, lack of special programs to popularize the service. In 2016, the service is pursuing a policy of global changes, starting from design to the platform itself. This is for added security.

Freelancers use many electronic payment systems, and everyone chooses the most convenient one for themselves. As practice shows, the most trusted are such giants as WebMoney and Yandex.Money.

But there are no less interesting players in the financial market, albeit not as popular and not so widespread. the site decided to tell you today about another payment system - RBK Money.

About company

This is a Russian payment system designed for payments on the Internet, i.e. shopping in online stores, paying bills and other electronic transactions.

The history of the system began back in 2002 - then it bore the name. At that time, the system worked in Ukraine and Russia, and it was created by a group of Russian and Ukrainian developers.

In 2008, RuPay joined the RBK holding and changed its name to RBK Money.

This is a platform that allows you to make money transfers in various ways, including using Visa and MasterCard cards, mobile transfers. You can withdraw money to a card or pay in stores, pay utility bills, or top up your phone.

The payment system cooperates with more than 40,000 online stores and serves about 6.2 million users.

System Features

RBK Money payments are accepted at 250 thousand points throughout the Russian Federation.

All payments in this electronic system irrevocable. This is done to protect against fraudsters who can withdraw payment after receiving the goods.

Almost all payments in the system are made without commission. You will only pay 2.95% for instant withdrawals(in normal mode, money arrives on the card within 24 hours).

The system offers cooperation to both online stores and offline stores. Entrepreneurs have the opportunity to accept payments online, including using credit cards. The commission is charged only for payment processing and is 3.9%.

Provided payment tracking system. Each transaction is assigned a unique number, by which you can check the status of the payment through the service. You will also immediately receive a notification report about the completion of the payment.

The RBK Money system provides all the necessary documents for accounting, which makes it easier for legal entities to cooperate with it.

Each registered user of the system can open an RBK Money debit card for free. The currency of such a card is Russian rubles. With its help, you can pay for purchases, withdraw cash, and also receive interest on your account balance.

Electronic wallets

Each user of the RBK Money system has the opportunity to create an electronic wallet. There are two types of wallets: unidentified and identified.

To create a wallet, you just need to register in the system. An unidentified wallet is created automatically. This wallet only allows you to pay for purchases in online stores, and the maximum amount of replenishment and transfers cannot exceed 15,000 rubles per day.

If this is not enough for you, you need to go through the identification procedure. To do this, you can send an application and a notarized copy of your passport by registered mail. The second option is identification through the CONTACT system.

As a result, you will receive a wallet from which, in addition to paying in online stores, you will be able to pay for purchases through systems cellular communications, system money transfers or payment terminals, addressed to a foreign organization, Russian non-profit organization; the maximum amount for replenishment and transfers increases to 100,000 rubles per day. If an unidentified wallet does not allow you to withdraw funds, then with an identified wallet you can withdraw up to 100,000 rubles.

Payment methods and wallet replenishment

The RBK Money system provides the opportunity to pay for purchases and top up your account online in several ways:

You can pay a bill or top up your wallet with a Visa or MasterCard bank card, either activated or not. The maximum number of payments per day is 6.

Through the CONTACT money transfer system (no commission);

Through Euroset communication shops;

In any branch of Russian banks, by bank transfer. The commission is charged according to the bank's tariffs;

Using Internet banking systems of the largest banks in the Russian Federation;

Through payment terminals, no commission.

RBK Money is a Russian payment system that is gaining popularity. Entrepreneurs with both online and offline stores should pay attention to it, since the system offers flexible and convenient conditions for cooperation and integration.

As of August 2018, RBK Money allows you to make transfers using Visa, MasterCard, American Express and Mir bank cards, mobile and online payments and other methods.

Performance indicators

As of the beginning of 2017, RBKmoney cooperates with more than 40,000 online stores and serves over 6.2 million users. Having a network for accepting funds, the total number of acceptance locations exceeds 260 thousand and covers the entire territory of the Russian Federation.

According to the MARC research center at the end of 2015, RBK Money was used by 3% of Russian sites that accept online payments for goods and services. There are 88 thousand such sites in total. The most popular payment solution is Yandex.Checkout, which was used by 24% of sites at the end of 2015. Next come Robokassa (20%), Interkassa (5%) and Unitpay (4%).

The volume of the online payment market, according to the Russian Association of Electronic Associations, amounted to 588 billion rubles in 2015.

Story

2018

Resistance to loads, flexible architecture and scalability

On September 13, 2018 it became known that the RBK.money service had switched to an updated technology platform. The developed system is load-resistant, has a flexible microservice architecture and is easily scalable to process any number of transactions. In August 2018, the transfer of all RBK.money clients to the presented version of the platform was completed.

RBK.money clients have access to all popular payment acceptance tools: bank cards, electronic money and wallets, money transfers, Internet banking, payment terminals and others.

From a technical point of view, the RBK.money platform is built as a distributed architecture, the payment processing language shell is in Erlang - the language of telephone switches, invented by Ericsson, and has a completely open API.

When creating this platform, we were inspired by the well-known document in technical circles “Dynamo: Amazon’s Highly Available Key-value Store”, written by Amazon employees. According to him, “shoppers should be able to add items to carts even if hard drives fail, network infrastructure is disrupted, or data centers are destroyed by tornadoes. We created the payment platform using the same principle. The architecture of the platform is designed in such a way that we can scale and develop it without high costs for at least another 15 years.

One of the first partners to evaluate the presented RBK.money platform was the international payment system Mastercard. Thanks to their cooperation, RBK.money clients will be able to withdraw their funds to Mastercard business cards any day and at any time. The possibility of quick and convenient reimbursement is one of the main problems for small and medium-sized businesses that do not have free capital to solve operational problems. The joint solution of RBK.money and Mastercard will become popular and popular, representatives of the companies are sure.

The common interests of RBK.money and the Svyaznoy company in the C2C segment determined their partnership to create a product for making secure escrow payments.

Availability of Apple Pay, Google Pay and Samsung Pay

On August 31, 2018, the international payment service RBK.money announced that mobile payment systems Apple Pay, Google Pay and Samsung Pay became available to companies accepting online payments using the service. In order for the payer to display the payment method corresponding to his device, the recipient - the RBK.money client - does not need to additional settings, the system will connect automatically.

Systems Apple Pay, Google Pay and Samsung Pay allow using mobile devices pay for purchases online and in regular stores with one touch. The listed systems do not store data bank card user at home or on the phone. They use a virtual number, which increases the security of this type of payment, explained RBK.money. To make a payment, the device owner needs to enter a PIN code or confirm his consent using any of the biometric methods available to him.

The RBK.money service supports the integration of payment systems with both web resources and mobile applications. To accept payments from anywhere in the world, RBK.money connects organizations to bank cards, electronic money and wallets, Internet banking, payment terminals, and other payment tools.

As of August 31, 2018, in the RBK.money system, the share of payments using payment solutions from Apple and Google reached 3%. At the same time, the growth of this share over the past month was 34%, noted RBK.money.

Confirmation of compliance with PCI DSS 3.2 requirements

On August 6, 2018, the RBK.money payment service confirmed compliance with the data security standard for payment cards PCI DSS (Payment Card Industry Data Security Standard) Level 1 version 3.2. The received certificate confirms that the RBK.money service ensures the security of transactions taking into account the current technical and operational requirements of the standard.

The audit for compliance of the RBK.money payment service with the international standard PCI DSS Level 1 was carried out by SRC Security Research & Consulting GmbH.

The PCI DSS standard defines the requirements for technical systems, security controls, administration and business processes in organizations involved in processing cards of major international payment systems (Visa, MasterCard, American Express, Discover and JCB). The RBK.money service has passed all checks according to the on-site audit procedure. The technologies and approved processes implemented in the system ensure a high degree of protection of cardholder data.

One of the most important changes to PCI DSS 3.2 relates to the implementation of a compliance program to ensure that all parts of the organization that handle cardholder data remain in compliance with the standard at all times. Also, from July 1, 2018, the use of insecure protocols (SSL and TLSv1.0) when transmitting card data in open networks, including between the user’s browser and the payment page of the service provider, is not allowed. This should minimize the possibility of attacks aimed at compromising payment data due to the fault of cardholders themselves using outdated browsers and unsupported devices.

Transition to an updated technology platform

At the same time, in a letter to the FSB, in which Sergei Mayzus asks law enforcement officers to pay attention to the situation (a copy is available to Lenta.ru), it is stated that at the end of 2012, RBC Money LLC became completely insolvent.

Representatives of Mayzus Property Management accuse the management of the payment system of fraud. After “in 2011-2012, RBC Money LLC fraudulently misappropriated the money of RBK Money clients in the amount of over 150 million rubles, RBC PJSC transferred the well-established payment system and all liquid assets to its subsidiary, NPO EPS LLC.” - leaving a large debt on the deprived of business and deliberately bankrupt RBC Money LLC,” says the complaint about the inaction of law enforcement agencies by the director of Mayzus Property Management Sergei Mayzus dated October 29, 2019 addressed to President Vladimir Putin (the editors have at their disposal, copies of the letter sent to the FSB, the Ministry of Internal Affairs and State Duma deputy Alexander Khinshtein).

That is, from a legal point of view, the payment system currently has nothing to do with RBC Money LLC. It is controlled by the NPO "EPS".

“RBC Money LLC transferred free of charge more than 23 million rubles to the accounts of NKO EPS LLC, transferred the RBK Money trademark, the domain rbkmoney.ru, to offshore companies, software, without payment, ceded to a Cypriot company the right to claim a debt in the amount of 18 million rubles from RBC PJSC, and also alienated other receivables in the amount of over 275 million rubles without receiving any funds to the accounts of RBC Money LLC,” - this is already mentioned in the complaint to the Investigative Committee of Russia and the Control Directorate of the President of Russia.

The businessman is confident that since “2009, the management of RBC and its subsidiary LLC RBC Money have created a scheme for tax evasion, legalization (laundering) of criminally obtained funds, as well as the illegal withdrawal of currency abroad.” According to expert opinions dated October 30, 2019, the real market value of the trademark and domain alone in 2012 was 199.5 million rubles, the domain was sold in 2013 to the British company RBK Money Limited for only 4.9 thousand rubles, and the trademark sold to Cypriot RBK Money Holdings Limited for 2.3 million rubles. A detailed analysis of the company's financial statements shows that by 2011, the total debt on the company's obligations was more than 650 million rubles.

Sergei Baryshnikov, former general director of RBC Money, according to Lenta.ru's source, explained the debt to Insta Dealing LLC as follows:

NPO "EPS", having received a promoted payment system, also had to take on the debts of RBK Money. Although Denis Burlakov spoke about this, nothing like this happened. Representatives of RBK Money communicated with the injured party for three years, promising to return all funds. In particular, the chairman of the board of the NPO EPS, Kirill Burlakov, in his letter to Sergei Mayzus dated April 13, 2014 (a copy is available to Lenta.ru) promised to repay the entire amount of the debt by the end of January 2015. But out of 141.9 million rubles, RBC Money paid only a small part to MAYZUS Property Management: first 13.2 million, and in October 2014 - 4 million rubles. In 2015, when the statute of limitations in the Mayzus Property Management case expired, RBC Money LLC entered the bankruptcy stage, and all assets were transferred to NPO EPS, an affiliated company.

In August 2018, representatives of the payment system told TAdviser that Mayzus’ statements about “the intention to bankrupt the RBK Money payment system” and “about satisfying claims in the summer of 2016” were untrue. Mayzus has never been a client/merchant of the RBK Money payment system and has no other commercial or financial relationship with the payment system.

"We are aware of the existence of a Russian legal entity - RBC Money LLC, which is owned by Trigale Investment Ltd and Eastbound Limited, and to which Mayzus probably has financial claims. This is a Russian entity has no relation to the RBK Money payment system and has never been part of the RBK Money group of companies led by the Cyprus holding company RBK Money Holdings Limited. The payment system RBK Money (updated brand - RBK.money) operates on the territory of the Russian Federation in accordance with the law through its own operator NPO "EPS".

2016: Denis and Kirill Burlakov become the head of the company

In October 2016, the RBK Money payment system announced rebranding, a change in management and technology platform.

The service is changing the logo and website design and moving to a new technology platform. The management at RBK Money also changed: Denis Burlakov, a member of the board of directors and owner of 10% of the company, became the general director, replacing Andrei Morozov in this position. The position of chairman of the board instead of Denis Burlakov was taken by his brother Kirill Burlakov (also owns 10% of the company).

“We plan to launch a new technological product; changing the company’s strategy is an integral part of its reboot,” RBK Money emphasized.

2015: Delays in paying funds to clients

In 2015, RBK Money experienced delays in paying funds to clients, which the company explained by “falling oil prices and other economic shocks.” A representative of the payment system, in particular, confirmed to vc.ru that RBK Money had to increase the time frame for withdrawing funds “due to the unstable situation in the market and the bankruptcy of some partners.”

2014: Managers bought the company from RBC for 18 million rubles ($0.5 million)

Later it was reported that RBC sold the company at a loss, while the company retained the old brand; RBC decided not to challenge the use of its trademark.

2013: Audit according to the PCI DSS standard

The RBK Money payment service received another certificate confirming the required level of compliance with established security standards when storing, processing and transmitting payment card holder data.

The RBK Money certificate was issued based on the results of an audit conducted to ensure compliance with the requirements of the PCI DSS standard (Payment Card Industry Data Security Standard). The requirements of the International Payment Systems (IPS) for payment services are characterized by strict checks.

According to both the Visa and MasterCard classifications, systems that process, store or transmit data on more than 6 million transactions per year are classified as Level 1 and are required to undergo an annual audit.

2012

Turnover at the end of the year was 15 billion rubles on 12 million transactions

The turnover of the payment service at the end of 2012 amounted to 15 billion rubles, the number of transactions during the reporting period reached 12 million. Meanwhile, the number of registered users increased to 3 million people, and the number of online stores accepting payments through RBK Money reached 30 thousand Thus, in total for 2010-2012 the company grew 10 times in terms of key indicators.

The company's staff consists of 150 people, they service 25 thousand electronic stores around the world. 3 million people are registered in the system. You can pay for goods through the RBK Money payment system using more than 200 in various ways. In Russia, the company works with plastic card operators Visa and MasterCard - up to 75% of payments are made using bank cards. The RBK Money payment service can be integrated into the interface of any online store - the client usually does not even know that he is paying for purchases through RBK Money, since registration is not mandatory, and the payment system interface can be fully integrated into the store’s website.

In addition to servicing online stores, RBK Money is developing other types of services. One of the projects launched in the last year is the system for providing bonuses RBK Offers.

The service offers customers who pay for goods in a store through a payment system to receive an additional bonus - a discount on the purchase of related products in partner stores. A visitor to the store can choose the offer he likes and immediately receive a promotional code for the corresponding discount.

Another additional service is the RBK Travel web travel preparation system. It allows the visitor to build his own tour by choosing a flight route, hotel and transfer to it, combining them from offers from different companies. The system generates several travel options, from which the visitor chooses the most convenient one.

The RBK Card project offers stores a compact reader for accepting money from plastic cards using a phone or tablet computer. The device is inserted into a standard connector for connection mobile headsets and requires installation of a special application for Windows, Mac OS, iOS or Android platforms.

The reader itself, the application, and registration are free for the seller - only a commission of 2.9% is paid. According to RBK Money, if a store accepts payments by bank cards, this increases the average check size by 30%.

Another project of the company should be the gaming portal RBK Games. There are plans to bring foreign producers of online games that are free for players to Russia. The company has already developed a portal for organizing games with its own game currency and published an API for game developers.

Integration with popular ones in Russia has also been implemented. social networks“VKontakte”, “Odnoklassniki”, “My World” and Facebook regarding visitor authentication. The RBK Games portal itself is planned to be launched in the first quarter of 2013.

The company received a license to participate in the National Payment System and plans to continue developing its services in 2013. In particular, Andrey Morozov, managing partner of the company, considers digital distribution a promising area - the distribution of codes for online games and other content on the Internet.

The RBC Board of Directors approved the sale of RBK Money for $8 million, but the deal did not go through

At the end of August 2012, the RBC board of directors approved the sale of 74% of the RBK Money payment system (that is, the entire share owned by RBC) to the Cyprus holding Trigale Investments Ltd. The announced amount of the transaction is $8.44 million. According to Izvestia, the offshore company acts in the interests of RBC Money CEO Andrei Morozov, who before the transaction owned the remaining 26% of the company.

RBC CEO Sergei Lavrukhin told the publication that RBC “will continue to cooperate with RBK Money.” In addition, after RBK Money was recognized as a non-core asset and information about the impending sale circulated throughout the market, RBC launched the RBC Travel service on its platform (search for airline tickets and hotels).

RBC Roem.ru said that the RBK Money brand will remain with Trigale Investments limited for a certain period. RBC Travel is a project of RBK Money and was transferred to a new owner as part of a completed transaction.

As representatives of RBK Money later told TAdviser, the Cyprus holding company Trigale Investment Limited, controlled by OJSC RosBusinessConsulting, initially owned the RBK Money payment system after its acquisition in 2008 from the founders of the service. In 2012, as part of the plan for the sale of non-core (non-media) assets, RBC OJSC was going to sell the RBK Money payment system strategic investor, but the deal did not take place.

Registration of a credit organization with the Central Bank

The RBK Money company reported in the summer of 2012 that the NPO Electronic Payment System (NPO EPS LLC) was included in the Book of State Registration of Credit Institutions of the Central Bank of the Russian Federation under number 3509-K dated June 27, 2012. The company had to take such a step in accordance with the law “On the National Payment System”, which obliged all systems electronic money from the end of 2012, operate either as banks or as NPOs.

The new structure became the operator of electronic money and the international payment system RBK Money in accordance with the Federal Law “On the National Payment System” No. 161-FZ. This innovation will allow RBK Money to expand the range of services provided and increase the reliability of the system for both users and partners.

2011

Increase in the number of transactions by 5.8 times

In 2011, RBK Money's income increased 6 times; in the second half of the year, the company's monthly revenue growth averaged 20%; RBK Money was the first among electronic payment systems to cancel all fees for users; the number of system users exceeded 2,500,000 people.

The turnover of accepting payments from bank cards at the end of the reporting period (December 2011) increased by more than 10 times compared to the same period in 2010;
The number of transactions completed in the system increased by 5.8 times;
The list of online stores from Russia and foreign countries connected to the system increased by 4,039 (from 20,304 to 24,343 stores);
The commission for system users for all operations was 0%;
Provided 100% protection for partners and users from possible types fraud during transactions in the RBK Money system;
217 methods of payment, replenishment of funds and money transfers around the world became available to users of the system;
The RBK Money mobile application for iPhone has appeared.

Sberbank is considering the possibility of purchasing the service from RBC

RBK Money confirmed in December 2011 that Sberbank is showing interest in the electronic money operator. A source at Onexim said that the deal with Sberbank could be concluded before the end of the year:

“By the end of December, everything will be decided: either the owners of RBK Money come to an agreement with Sberbank and sell the company, or develop this resource independently.”

According to experts, in 2010 the volume of replenishments to electronic wallets in Russia increased by 75% and amounted to about 70 billion rubles. According to experts, by the end of 2011 this amount will reach at least 140 billion. The number of active users of electronic money in Russia last year increased by 50% compared to 2009. In 2010, there were about 30 million open electronic wallets. In this, according to the forecasts of the President of the National Partnership of Microfinance Market Participants, Mikhail Mamuta, the increase in their number will be 70–80%. The main players in the market are QIWI Wallet, WebMoney, Yandex.Money and companies related to mobile commerce (control more than 90% of the market). Market leaders accept electronic money for payment in about 2–4 thousand online stores. The main source of income for electronic money operators is commissions paid by users on transactions.

For banks, entering the electronic money market is also a way to attract new customers and increase the loyalty of existing ones, adds Nikita Ignatenko, an analyst at the Investkafe analytical agency. The intention of the operators themselves to sell the business is largely due to the adoption of the law “On the National Payment System”, according to which, by October 1, 2012, they must become a non-bank credit organization, having received the appropriate license from the Bank of Russia. It will be difficult for such a small electronic money operator as RBK Money to service its own credit institution, Mamuta notes: “I believe that selling to a strategist is a reasonable policy for RBK Money.”

Today, banks consider such an asset not from the point of view of the cost of the product itself, but as an entrance ticket to the electronic money market. The competitiveness of an operator controlled by a large bank will depend on how its owner will develop the project in the future. “It will be difficult to attract clients of today’s leaders – Yandex.Money, WebMoney. Considering the growth potential of the market, we should rely on new users, building the right development strategy,” believes Mamuta.

The RBK Money payment system is a good assistant for managing finances on the RuNet, interesting for both business and personal use. It is convenient for an entrepreneur to receive transfers from partners and accept payments for goods or services. Individuals can make purchases in online and offline stores, pay off utility bills, and top up their mobile phones.

EPS has been officially registered since 2008. In fact, it has existed since 2002, previously known under the RUpay brand. For all its versatility and functionality, the program is distinguished by its simple interface. It is quite capable of competing with such whales as WebMoney or Yandex Money.

Tariffs and commissions

RBC Money is attractive because there are no commissions for many transactions. Individuals can use the following services free of charge:

Transfer (within one PS) money to a card.
Pay in online stores that cooperate with PS.
Receive statements, track payment history.
Design and use “plastic”.
Download the version for smartphone.

Note: If payments have not been made using the card for more than 60 days, the commission will be charged. It is 300 rubles per month (no tax is taken).

In fact, for individuals the tariff exists only for urgent transfer of money to another card or bank account. It is 2.95% of the transferred amount. You can transfer funds from your card to another bank for free within 5 business days. Authenticated users can use this feature.

For entrepreneurs, only transfers in their favor sent by individuals are paid (3.9% of each transfer). All other functions can be performed without commission or subscription fee:

Connect your Internet resource and configure it to accept payments.
Receive reports on cash receipts electronically.
Cancel the transaction and return the money to the payer.
Withdraw money to a bank card.

The site provides several tariff plans for business (“Do good”, “Travel”, “RBK Card”, “Housing and communal services”). They differ from the main option in the interest rate that is charged when receiving money from individuals or paying for utility services (housing and communal services tariff). There is also an individual plan, the terms of which are discussed with each entrepreneur separately.

Download all commissions and limits for 2017 at PDF format(44.0 KB).

Registration process

To create an RBK Money wallet, you do not need to pay. The process is free and simple. First, register on the website. It's no more difficult than getting a new one email. In this case, only your full name and date of birth are requested (useful for password recovery). Login is Email.

Advice: It is better to immediately enter reliable data. This will simplify the process of restoring access to your account and will not become an obstacle if you need a professional account.

There are two levels of registration with RBC Money: standard and extended. The second opens the way to new opportunities:

rubles are exchanged for other electronic currencies (limit – 100,000 rubles per month);
The daily replenishment limit is increased (up to 3000);
The monthly withdrawal limit is increased (up to RUB 300,000).

For comparison: a standard wallet allows you to operate with an amount not exceeding 100,000 rubles per month, and topped up by 1000 per day.

For an extended wallet, passport data will be required. Scanned copies of the document are uploaded in your personal account, checked by a moderator and, after approval, a professional account is available.

Step one

Step two

System Security

Identification by passport is good because it enhances security. There are reviews on the RuNet about supposedly weak protection at RBC Money. The user has nothing to fear; the process of transferring and crediting funds is accompanied by multi-level protection.

For example, withdrawing money from an electronic wallet to a bank account is only possible if the full name of the account owner and the recipient match. When performing any transaction, a separate password is created for a specific transaction. Without knowing the code combination, the fraudster will not be able to appropriate someone else's.

The programmers took care of SSL encryption with a key length of 128 bits for all payment transactions. According to experts, this is the last word in cybersecurity and, undoubtedly, one of the most effective measures today.

The client can take advantage of additional security measures:

Enable in the settings the function of tracking the IP address from which transactions are made or an account is opened.
Connect SMS notification and confirmation of financial movements via mobile phone.
Choose a secret question and answer to confirm initialization in case you lose your password. The answer should be easy, but carefully thought out, unpredictable for fraudulent social engineering.
Enable the “payment password” option and come up with a combination different from the one entered when logging into your account. Such double protection will allow you to make transactions with the least likelihood of hacking or interception of money.

Come in Personal Area may with mobile application(the program is downloaded for free from the official website). Before the session, a PIN code is entered. This prevents third parties from accidentally accessing the application.

conclusions

The RBK Money payment system can be trusted, despite its relatively short life, the program has managed to prove its advantages: access from anywhere in the world, multi-level account protection, simple registration.

As for the methods of replenishing your wallet and withdrawing funds, there is almost the entire range possible options: through other EPS, to a bank account, by postal transfer, etc.

Hello, dear readers of the blog site. Today I want to continue talking about. Next up is the fairly well-known Russian payment system RBK Money, which in terms of turnover and popularity is, of course, inferior to the giants, and, but can be attractive in terms of what it contains There is practically no commission of any kind for using the wallet, for transfers within the system, as well as for depositing and, in some cases, withdrawing funds from your account.

In general, an idealistic picture emerges, which is spoiled only by numerous complaints about the stability of RBK payments. Some users complain about their failure to complete and a very sluggish response, as well as the actions of the technical support service that are practically fruitless.

It turns out that having absorbed all the best that the Runet analogues have, and also becoming in fact the Russian equivalent and (without the problems of withdrawing funds that are inherent in the bourgeois payment system in the post-Soviet space), RBC Money, however, cannot sufficiently provide technical and organizational resources. It's a shame if that's the case. By the way, o are also analogues of our hero, but read about them using the links provided.

RBK Money - operating principles and wallets

Anyway. I have not yet encountered any problems when working with RBC Money, so I won’t talk too much about this payment system. Historically, it appeared quite recently, namely in the summer of 2008. But before that, it had existed since 2002, but under a different brand - RUpay.

Name RUpay came from the first letters of the countries for which it was developed (R - Russia, U - Ukraine, well, the remaining letters mean “payment”). To be honest, I don’t know how successful RUpay’s march across the planet (or at least a sixth of its land area) was, but in 2008 the assets of this company were bought by RBC, after a while it was renamed and moved to a new domain www.rbkmoney.ru .

As you can see now, RBK Money no longer has anything to do with Ukraine and this system is intended exclusively for Russians. All transactions in it are carried out exclusively in rubles, which are pegged and secured by RBC Bank rubles. That is, the result was sort of like small-town electronic money from one separate bank.

It is possible that this is precisely why some of their clients have difficulties. However, there is practically no commission in this payment system (you can see them for yourself rates) attracts more and more new clients to it. The second advantage is the ease of working with your RBC Money account. This does not require any special programs - all operations are carried out using a regular browser.

On the other hand, simplicity may result in insufficient security, but I personally don’t really believe in this, because it was the case provided that I used it enough safe program, and not the simplest browser version.

In my opinion, at least some serious protection can only be provided by confirmation of all transactions through cellular telephone, which in the WebMoney system is implemented through, well, or the complete disregard of hackers for insufficiently popular electronic monetary units (when the game is not worth the candle).

At RBK Money, protection is built on using two passwords- one to enter your wallet, and the other to confirm any transactions with the account. Well, plus everything, of course, the channel for working with your wallet is encrypted, and the data of your payment cards that you attach to your wallet is also encrypted.

Just like in PayPal, the login in RBC Money is the mailbox address that you specify during registration. But unlike Paypal, it won’t matter here whether yours is free or not. Mailbox or it implements a domain-specific mail option. The payout limit for you will depend only on what type of wallet you use.

In RBC you can create two types of wallets:

Not identified - in fact, it differs from the second type of wallet in RBK Money only in smaller amounts that you can transfer at a time (no more than 15,000 rubles), and also in that you will not be able to exchange your rubles for other currencies and will not be able to use it for accepting payments on your website.
Identified - here you can realize all the possibilities provided by the system. I advise you to look at a comparison of the capabilities of different wallets and draw conclusions about what you need most. To receive a professional wallet, you will need to provide your passport information.

To get a standard wallet, all you need to do is go through registration with RBC Money :

Regular registration form fields. Unless they should be filled in with your real data, in order to avoid further problems with confirming your ownership of the wallet. Here you will be asked to come up with a password for access, and in the second step the registration wizard will also ask you to come up with a payment password, as well as select and enter the answer to the security question (well, just like when you receive a free mailbox):

Go to your mailbox and follow the link from the email you received.

At the next step, you will be given a choice: either vegetate with a standard wallet (which you have almost already received if you followed the link from the letter you received from RBK Money), or become a person and increase the level of your wallet by clicking on the appropriate button.

RBC Money has no commission for depositing or withdrawing money.

If you choose the option to increase your level, you will first have to log in to the site, and only then another three-step wizard will open, in the first step of which you will need to check the box in the right place (even if you are not a Russian citizen, you can still use a professional wallet in RBC, although you will have to perform a number of steps to verify yourself).

If you are a citizen of Russia, then in the second step you will need to enter your passport information, and in the third step you will need to indicate your phone number and residential address.

Also, to finally assign a professional wallet to you, you will need to make a confirmation payment (the amount is chosen randomly, and if you enter it correctly, this will serve as confirmation) to your bank account or post office, and then enter the amount of this payment in a special form. payment, which you can find out by phone at the bank, or by receipt at the post office (a similar confirmation of ownership of a payment card is used in PayPal).

Account replenishment is possible different ways, including linking a bank card to it. True, just like in PayPal, you will have to verify it, but this is done quite simply by transferring a small amount, the exact value of which will be the subject of verification.

There is no commission for replenishing your account with RBK Money, but this commission may be taken by the second party with whom you deposit funds. For example, when replenishing your account with Yandex Money, you will be charged one and a half percent of the transaction amount:

The whole point of opening a wallet in RBC Money is that with the help of this electronic money you can pay for many different services (cellular, housing and communal services, etc.), as well as pay in online stores that accept them for payment.

In principle, you can pay in online stores directly with a plastic card, but as in the case of Paypal, an important role here is played by the fact that you do not provide your card details to just anyone, thereby reducing the likelihood of fraudulent activity.

In addition, the absence of a commission for transfers, deposits and withdrawals (not for all withdrawal methods) of funds from RBK Money seems very attractive (a similar situation, by the way, has developed).

Many people use this payment system to withdraw funds from other payment systems, the withdrawal of funds from which is directly difficult, but it is possible to exchange them for RBC Money.

True, there is a caveat that only 10,000 rubles can be withdrawn to an individual’s account without commission, and if this limit is exceeded, a commission will still be charged. But these are already details. By the way, you can not only link a plastic card to your wallet, but also, on the contrary, get an RBK Money Visa card, which in theory should provide you with a number of goodies that encourage you to get one.

Among the security settings, only IP blocking will be available (so that operations with your wallet cannot be carried out from any computer other than yours), which you can configure on this page.

Yes, in addition to working with your wallet through the web interface, you will have the opportunity to install the Rbk Money Mobile program on your cell phone, but I haven’t done this and I can’t tell you about my impressions.

Good luck to you! See you soon on the pages of the blog site