RBC payment system. Reviews about RBK Money. Tariffs and commissions

Let's look at the features RBK Money(the nature of working with it is practically no different from working with the Rupay wallet), and we will also compare the tariffs and range of services provided by the Rupay system in the old version and in its new guise - RBK Money.

The monetary unit operated by RBK Money is equivalent to the Russian ruble. Accordingly, you can top up your account and withdraw money only to ruble bank accounts and plastic cards.

Registration in the RBK Money system

Registration in the RBK Money system is free. In order to register in the system and receive an electronic wallet, you only need to indicate in the registration form your real last name, first name and patronymic (Cyrillic) and e-mail, and also come up with a password to log into the system. I advise you to approach the issue of choosing an e-mail responsibly, since this will be your login in the system. In addition, at the first step of registration, you must indicate your date of birth - you may need this information if you lose (hacking, lose) your password to recover it.

The second step to ensure the security of your wallet is the security question. You will need to come up with this question and an answer to it and, of course, remember the answer. This data may also be useful to you if you need to recover a lost password.

There are two types of wallets in the system - Standard and Advanced(analogues of non-certified and certified Rupay accounts). In order to upgrade your wallet to an advanced level, you must provide the system with your passport data.

What are the benefits of owning an Advanced wallet compared to a Standard wallet?

• increasing the monthly limit on transfers to other users of the system from RUB 100,000. up to 300,000 rubles;
• increasing the limit for replenishing a wallet with a bank card (any bank) from 1000 to 3000 rubles. per day (5,000 and 15,000 rubles per month, respectively);
• exchange for other electronic currencies (maximum 100,000 rubles per month).

Previously, users of Standard wallets were, in addition, prohibited from withdrawing funds from the system, but in April 2011 this restriction was lifted.

The RBK Money system has the ability to work with an electronic wallet through mobile phone. To do this, you need to download from the website and install the special RBK Money Mobile application. The mobile application is linked to your electronic wallet in the system.

Deposit and withdrawal of funds. Tariffs in RBK Money

Tariffs in payment systems, as you know, are of three types: commission for payments within the system and commission for depositing and/or withdrawing funds.

Until May 17, 2011, the system had a commission for Money transfers inside the system. It was charged from the sender of the payment and amounted to 0.5% for owners of Standard wallets and 0.3% for owners of Advanced wallets (but not less than 1 rub.). Now all transfers between RBK Money wallets are free.

RBK Money charges a commission for withdrawing money from your wallet (returning unused funds). (See below).

Methods for replenishing your RBK Money wallet and agent rates

The number of ways to replenish your wallet in RBK Money is constantly growing. In addition, it seems that RBK Money is constantly in active negotiations with agents regarding tariff reductions. In any case, almost every month on the system’s website they happily report on the reduction of one or another tariff or even the complete abolition of the commission for any method of replenishing a wallet. Judge for yourself by looking at the table below - the following methods for entering money into the system are currently available:

Ways to replenish your wallet without commission
Agent	Commission	Enrollment deadlines
VISA, MasterCard*	0%	instantly
Through Russian Post terminals and in the WinPost PCT IS	0%	instantly
MTS communication stores and MobileElement terminals.	0%	instantly
Bank payment through Uralsib bank	0%	1-2 working days
Money transfer system "CONTACT"	0%	up to 2 hours
Money transfer system "Leader"	0%	instantly
Money transfer system "Golden Crown"
Internet banking of Uralsib Bank (Moscow)	0%	1-2 working days
Payment terminals "AMEGA", "Eleksnet", "X-Plat", "Multi-Kassa", "Express Payment", "SkySend", "Free Kassa", "Unikassa", "Pinpay express", " One system City Payments", "Quickpay", "Money-Money", Federal system"City", "Forward Mobile", CiberPay.	0%	instantly
Other ways to top up your wallet
Through ATMs from any international bank card
VTB 24		instantly
Masterbank	1% (not less than 100 rub.)	instantly
Uraltransbank	3%	In 2 hours
Rapida	from 2%	instantly
Communication salons
Euroset	2%	instantly
By bank payment
VTB 24	4% (not less than 300 rubles, but not more than 3000 rubles)	instantly
Federal system "City"	2,95%	instantly
Rapida	from 2%	instantly
OTP Bank	3%	instantly
	3%	1-2 working days
PrivatBank	2% (not less than 20 rub.)	1-2 working days
Rus-Bank-Ural	3%	1-2 working days
Ural Bank for Reconstruction and Development	2,9%	20 minutes
Sotsgorbank	3%	In 2 hours
Bank24.ru	2,9%	instantly
Replenishment via Internet banking
OCEAN Bank	1%	instantly
VTB 24	1.5% (not less than 15 rub.)	instantly
OTP Bank	1,5%	instantly
HandyBank	3%	instantly
Ekaterinburg Municipal Bank	3%	1-2 working days
UralTransBank	3%	In 2 hours
Bank24.ru	2,9%	instantly
Through payment terminals
"Alt Telecom"	3%	instantly
"Comstar"	up to 5%	instantly
"Unified Settlement Center"	up to 5%	instantly
"MasterPort"	to 10%	instantly
"KET"	up to 5%	instantly
"Forward Mobile"	no more than 5% including terminal commission	instantly
"Orange"	7%	instantly
"Mobile City Payments"	3,8%	20 minutes
"Volgo-Kama Bank"/td>	no more than 5%	instantly
"Svyaznoy"	3%	enrollment in 2 hours
"Siberian Payment Systems"	up to 5%	instantly
"Regionpay"	up to 5%	instantly
"Absolute Plat"	up to 5%	instantly
"Ugra-Express"	up to 5%	instantly
"Sibplat"	up to 5%	instantly
"RegPlat"	1%**	instantly
"RosExpress"	0,5%	instantly
"e-port"	3%**	enrollment in 2 hours
"SprintNet"	3%**	enrollment in 2 hours
"E-transfer"	2%**	instantly
"Sberkassa GLOBAL"	up to 5%	instantly
"Platimo"	up to 5%	instantly
"Instantly"	up to 5%	instantly
"NOVOPLAT"	1%**	instantly
"Unikassa Irkutsk"	up to 7%	instantly
"Express Payment"	up to 5%	instantly
"Easy and convenient"	5%	instantly
"Express Cashier"	up to 5%	instantly
"CashBox"	up to 5%	instantly
Comepay	1%**	enrollment in 24 hours
Top up with RBK Money prepaid card
At agent rates, including card delivery costs.
Through money transfer systems
Unistream	1%*-2%, but not less than 50 rubles.	instantly (on working days)
By postal transfer
Post office	1.7% (excluding VAT), but not less than 25 rubles per transfer	3-4 working days
Electronic currency exchange
Via Yandex.Money	4%	instantly
Through exchange offices	according to exchange office tariffs	instantly
UCash voucher	5%	instantly

* Please note that not any plastic card is suitable for replenishing your RBK Money wallet. These can only be cards from the VISA and MasterCard systems, with Visa Classic, MasterCard Standard and higher (you cannot top up your wallet with Visa Electron/ MasterCard Maestro). Funds deposited into the account from a bank card can only be used to make purchases in online stores, but cannot be transferred to other users of the system.

**Excluding terminal commission

Frequently asked question: What information must be provided when making a bank transfer to deposit funds into the RBK Money e-wallet? The answer is this. When you want to top up your account via bank transfer, you need to log into your account(Personal account) and go to the “Top up account” tab. There you will enter your bank details and receive system details for replenishing your wallet.

Methods for withdrawing funds from the RBK Money wallet
and system tariffs for returning unused funds

System	Commission	Enrollment deadlines
To RBK Money MasterCard	2%	3-5 working days
By postal transfer	3%+(1.7%, but not less than 25 rubles, excluding VAT)	2-3 working days
Without opening an account using the CONTACT system	3,5%	24 hours
To an individual's bank account	0%	3-5 working days
To a bank card	0%	3-5 working days
To a wallet in Yandex.Money	4%	instantly
Purchasing a UCash voucher	0%	instantly
Exchange of electronic currencies (withdrawal to wallets of other electronic payment systems) through exchange offices	See the conditions on the websites of exchange offices

How to connect

My site is under development and is not available public access, can I activate payment now?

Certainly! To start cooperation, fill out the online form and provide the statutory documents.

Our security staff will review your site if you provide login details. Upon successful verification and after signing the contract, you will be able to open the site immediately and accept payments through the RBK.money system. I just opened entity

, can I start working with RBK.money?

Yes. We have no restrictions on the period of existence of a legal entity.

What needs to be done in order to start accepting payments through RBK.money?

To get started, complete the online registration (link to the form), download the necessary statutory documents and sign the agreement (possibly online using an electronic signature). Choose a convenient integration method and set up your account (refund schedule, notifications, etc.). After checking your site and documents, you can start accepting payments.

Are there any restrictions and conditions for starting to work with RBK.money?

I am not a resident of the Russian Federation, can I connect payment on the website?

Yes, we work with non-residents of the Russian Federation. With partners all over the world, we can offer you the most favorable conditions depending on your location.

Submit your application and our staff will contact you.

I don't have a technician, how can I integrate?

We have a wide selection of payment plugins for various CMS. The full list is here. If your CMS module is not on the list, please write to us and we will try to quickly develop it.

Working with the service

What cards and currencies can I accept?

We accept cards from leading payment systems VISA, MasterCard, Visa Electron, MIR, JCB, American Express, Diners Club. Thus, you will be able to accept cards issued by any bank in any country for payment. The debit from the card can be in rubles, euros, dollars. Does your service meet the requirements of Federal Law 54? Yes, passing on

I have my own cash register that meets the requirements of Federal Law 54. Can I just accept bank cards for payment?

Yes, you can take over the service for fiscalization of payments entirely; we will accept payments and transfer only information about payments to your system.

What payment options do you have?

Payment by bank cards, cash payment via Euroset, QIWI wallet.

Our system provides the ability to generate payment links that you can send to email to the client. You can also send a payment link using instant messengers and messages on social networks.

How can I make a refund to my client?

All refunds (full and partial) can be made in your personal account or using API requests, depending on the method of integration with RBK.money.

What should I do if I receive a request to contest a payment?

When a claim is received, it is required to confirm the fact of provision of service/delivery of goods to the payer.

• In the case of physical delivery of goods, a scanned copy of the receipt is sufficient.
• In the case of the provision of services, the following is required:
• user agreement/offer, which explains the very concept of the service and when it is considered provided;

confirmation that the user has been familiar with these rules (for example, screenshots showing that it is impossible to register without checking the appropriate box);

screenshots from your personal account, where you can see the fact that funds have been credited to the user, access to paid resources, and movements on his account.

A more precise set of document requirements depends on the specifics of your business. How to add a new payment method (method) to your payment form? By default, all options will be available on your payment form.

possible ways

payments, with the exception of those that require separate contractual relations with the provider, such as QIWI wallet. You can always control the availability of certain payment methods using the payment form configuration. More details:.

How to set up regular payments? What payment methods are they available for?

Instructions for connecting regular payments (recurring) can be found in our documentation -. Such payments can be activated exclusively for

bank cards What notifications will I receive from RBK.money? What integration methods are available? We support the most for CMS and serverless integrations, ending with a full connection of your website with the platform and deep customization of the payment form. We will be happy to answer any questions you may have by email.

Safety

How secure is the RBK.money payment service?

All settlement operations on the RBK.money platform are performed using SSL encryption (key length - 128 bits - maximum allowable Russian legislation). Resistance to communication failures is ensured at the system level. The system database does not have direct access to the Internet, and the servers are under 24-hour physical security and video surveillance. Every year we undergo an audit for compliance with the PCI DSS standard (a standard developed by international payment systems for making payments by bank cards). Detailed description Read about security and anti-fraud technologies in the Security section.

How safe is it to enter bank card details into RBK.money payment forms? Is this information available to anyone other than me and the processing center?

The RBK.money payment service complies with the PCI DSS data security standard, which means that bank card data is reliably protected. The PCI DSS standard is designed to ensure the security of processing, storing and transmitting data about payment card holders in the information systems of companies working with international payment systems Visa, MasterCard and others.

The transfer of your bank card details takes place over a secure connection using the modern SSL 3.0 protocol. Data transmitted via SSL 3.0 is automatically encrypted so that only the intended recipient can decrypt it. Thus, even if an attacker intercepts the transmitted data, he still will not be able to use it.

In addition, the use of the SSL 3.0 protocol allows you to be sure that you are on the page of a real payment system website, and not on the website of an attacker posing as a payment system in order to take over your payment card details.

How can I be sure that you will not share my personal information with anyone?

RBK.money has a modern multi-stage fraud monitoring system based on 15 years of payment analysis. Thus, fraudulent transactions will be blocked, and “good” payments will go through.

I forgot my password. What should I do?

You can recover your password at any time. To change your login password, you need to click on the “Forgot your password?” link, which is located under the login and password entry fields. Next, you will be asked to enter your login (email). Within a few minutes, the system will send you an email with a link, following which you will be taken to the page for setting a new password.

I want to change my login password. What do I need to do?

To change your password, log in Personal Area on the system website and go to the “Settings” section. Next, click on the “Change login password” button. Enter your current password, then enter the new password twice and click the “Change” button.

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 the user’s bank card data on their phone or on their 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 measures, 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 Russian legal entity has nothing to do with 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. 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 the store through the 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 receipt 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%;
• Provides 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 box. 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:

1. Enable in the settings the function of tracking the IP address from which transactions are made or an account is opened.
2. Connect SMS notification and confirmation of financial movements via mobile phone.
3. 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.
4. 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.

You can enter your personal account 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.

Among the most frequently used payment services in Russia we can mention RBKMoney - a progressive online platform that allows you to make fast money transfers. Services include transfers to debit and Internet payments, mobile payments. In addition, the RBC network includes thousands of terminals and divisions operating in different regions of Russia. The company works closely with 40,000 online stores, and the total number of active users of the system in 2016 exceeded 6 million people. For maximum functional use RBC will offer a new participant to register a personal wallet.

RBK Money - payment system

The service was registered in the format of a virtual payment platform in 2002 in Ukraine and was originally called RUpay. In 2008, the product became a full member of the RBC holding, as a result of which it received a new name, which is still used today. Currently, RBKMoney is a payment system that offers users extensive functionality. Among the possibilities are fast money transfers, payment for goods in online stores, online payments for utility bills and mobile communications. In addition, owners of the RBC wallet can freely withdraw funds from it to bank cards.

RBK Money wallet

Registration of a personal electronic wallet on the RBC-money platform opens up even greater opportunities for its owner. Among the main advantages that the RBKMoney wallet has is the ability to pay for purchases online without overpayments, interest-free replenishment, and free withdrawal of the balance to a card or bank account. Registration is also free and takes minimal time. Owners of wallet accounts in the RBC system have access to qualified technical support services operating 24/7.

Payment RBK Money

One of the main functions of the payment platform, which is used daily by tens and hundreds of thousands of users, is payment for goods and services in online stores and other retail outlets. The number of online stores accepting RBKMoney payments has already exceeded 40 thousand. At the same time, the buyer does not need to worry about hidden payments and commissions: when carrying out a trading transaction, only the selected goods or services are paid for, the system commission is 0%. In the event that after settlements there is money left in the RBC account, you can always withdraw it to a bank card.

RBK Money card

Each user of the RBC system has the opportunity to issue a personal plastic card of the international payment system Visa. The RBKMoney card allows you to instantly withdraw funds without commissions - for all financial transactions linked to your personal wallet. Moreover, all other operations are carried out with a minimum commission, which in this case will be much lower than in the case of other credit and banks. Cardholders can freely transfer funds between their own wallet and the card at any convenient time.

Commission RBK Money

In turn, the amount of the RBKMoney commission depends on the type of service and the tariff plan chosen by the user. In particular, within the “Basic” tariff plan, money transfers from individuals are carried out without additional commissions; when transfers are credited to the client, 3.9% of the total payment amount is withdrawn. The withdrawal of money from a wallet to a bank account/plastic card and the return of money to the sender of the transfer (payer) are also not subject to commission costs. WITH full list tariffs valid under various tariff plans can be found on the official website of the service.