Reviews about RBK Money. RBK Money: replenishment from a card and withdrawal to a card Payment system rbk

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). You are taking convenient way

integration 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?

Yes, by passing an additional parameter - the composition of the check - our platform contacts partners (online cash register providers) and fiscalizes the payment. To comply with the law, you must have an agreement with the OFD and the cash register provider. If you do not have an online cash register, we will help you connect by providing instructions and contacts of our partners so that you can connect an online cash register in one day.

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 of 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 by 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

new way (method) of payment into your payment form? By default, all options will be available on your payment form.

possible ways

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

What notifications will I receive from RBK.money?

What integration methods are available?

We support a variety of integration methods.

Safety

Starting from ready-made modules 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. How safe is it payment service

RBK.money? All settlement operations on the RBK.money platform are performed using SSL encryption (key length - 128 bits - the maximum allowed by 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?

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

All personal information is collected and stored in accordance with the requirements of Federal Law No. 152-FZ “On Personal Data” dated July 27, 2006. No personal information is transferred to third parties.

How can I protect my website from scammers?

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.

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 active users systems in 2016 exceeded 6 million people. For maximum functional use of RBC, a new participant will be asked 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 from it cash to bank cards.

RBK Money wallet

Registration of 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 framework of the “Basic” tariff plan, money transfers individuals are carried out without additional commissions; when transfers are made in favor of 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 within different tariff plans, can be found on the official website of the service.

Hello, dear readers of the blog site. Today I want to continue talking about. Next up is a 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’s in it 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 these electronic money You can pay for many different services (cell phone, 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

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- "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 make 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 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, it is not allowed to use insecure protocols(SSL and TLSv1.0) when transferring card data to open networks, including between the user’s browser and the payment page of the service provider. 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

According to Kartoteka.ru, the owner of RBKmoney is the Cypriot Trigale Investments Limited and the Belizean EastBound Limited.

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 headed by the Cyprus holding company RBK Money Holdings Limited. The RBK Money payment system (updated brand - RBK.money) operates in 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)

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. It is planned to bring foreign manufacturers of free for players to Russia network games. 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 a plan to sell non-core (non-media) assets, RBC OJSC was going to sell the RBK Money payment system to a 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 obligated all electronic money systems to operate either as banks or as non-profit organizations from the end of 2012.

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;
Appeared mobile app RBK Money for iPhone.

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.

History of the payment service

The history of RBK Money begins in 2002 year. It was at this time that a payment system called RUpay appeared on the Internet. A little later, namely on April 16, 2008, the payment system was absorbed by the RosBusinessConsulting company, and therefore, on June 23 of the same year, Rupay was transferred under the trademark, which is known to you and me as RBK Money.

Literally in 2014, the company’s value was estimated at 18 million rubles. Today we know RBC Money as a payment service with an accelerated and simplified process of payments and purchases in RuNet. Exactly because of this reason the range of payments is quite limited and standard: utilities, telephone, internet, online shopping. It makes sense to note that all these payments are made with either minimal or zero commission fees, which, undoubtedly, is a significant advantage and advantage of RBC.

Registration in the system

To gain access to all the features of the payment wallet, you will need to go through quite a few steps. quick and not at all complicated registration process. To do this, you need to fill out the standard registration form with your real data:

We indicate the Last Name, First Name, Patronymic, passport details and address of the current Email on the official site
Set a password from the wallet, select Secret Question and create a response to it
Activating mail– go to the mailbox specified during registration and follow the link received in the letter from RBC Money
Go to your personal account. The system will send us a letter in which it will be proposed to replenish the wallet and increase its level (go through the procedure identification)
Setting up security. The ability to set restrictions on IP is supported. This will allow you to limit access to the wallet only from yours or from a group of IPs included in the list of addresses

Passing identification

The identification procedure will establish that you are the direct owner of the account. It is thanks to identification that the payment system distinguishes bona fide users from the mass of swindlers and swindlers, which significantly increases reliability, making the use of the wallet safe for each participant. As long as your RBC Money account is anonymous, you will have much fewer opportunities than identified users. In addition, the system security service has the right any time require anonymous users to provide documents that confirm their identity, temporarily limiting the ability to make transactions on their accounts.

If you decide to identify yourself in RBK Money, then you can do this in two ways:

pass identification by mail, by sending RBK Money a registered letter with a statement in which your signature will be certified by a notary;
identify your identity via CONTACT– specialized money transfer service.

I propose to analyze each option more thoroughly and start with postal identification.

By registered letter

In order to send a letter with a notarized signature to the company, you must:

Download from the official website standard application form and print it.
Printed Fill in all required fields with letters.
Visit the notary's office with the completed form and your passport. I would like to immediately draw your attention to the fact that The application can only be certified by Russian notaries.
Verify the signature, stated by you in the application, notarized.
Send an application by registered mail or by express mail at RBC Money. The recipient's address on the envelope must be indicated as follows: NPO "EPS" (LLC), 117393, Moscow, Profsoyuznaya street, 56, floor 11.
As soon as your application is received and processed by the RBC Money security service, the status of your rbk money wallet will be automatically changed. It usually takes from 7 to 10 business days from the date of receipt of the letter.
As for changes in status, after processing by the payment system security officer, it will be changed either to “ Identified", on either " Not identified" The last case suggests that you will need to repeat the entire procedure from the very beginning and wait latest changes according to your request.

I note that those users who have not yet reached the age of majority will also have to attach to the application a notarized consent from the parents stating that they are not against their child using the RBC Money system.

Via CONTACT

An alternative option for completing the identification procedure is interaction with the CONTACT system. To do this you will need:

Armed with your passport, go to the nearest CONTACT payment point. To find out the addresses of the points where identification is carried out, just call the company’s information department using toll-free number – 8-800-200-42-42 .
Explain to the cashier what you want pay for identification in the RBC Money payment card through the CONTACT system, and provide him with your passport. After this you will need to specify your account number in the RBK system.
Pay for the service and receive a payment receipt. Please note that at payment acceptance points for this event you will be asked for 200 rubles, 50 of which will be automatically credited to your e-wallet account.
Within one business day from the moment you contact the CONTACT point, your application will be sent to the RBC Money security service.
As soon as the system employees check the accuracy of your data, in your RBC Money personal account you will see the status of your account - “ Identified" or " Not identified».

I believe, that the second option is simpler and faster, and it’s better to use it.

Wallet replenishment methods

Moving on to the more practical part of this article, I want to start it with how to deposit money on rbk money. To deposit money into your e-wallet account in the RBC Money system, you can go in several ways.

Use a bank card

You can top up your balance in RBK Money with almost any card such as Visa or MasterCard. The only limitation set for this type of input is that you can make no more than 6 payments from one card. To simplify the process of replenishing your wallet, you can immediately link the card to your payment account.

For such a replenishment of your account, you will not be charged any commission, and the money will be credited to your account within 3-4 minutes; at least for me, they came in that time.

Through self-service terminals

I think all readers of this review are familiar with payment terminals, and therefore there is no need to describe instructions for interacting with these inventions of mankind. Since RBC Money cares about the convenience of its clients, you can top up your account through several providers, including: Euroset, Elexnet, DeltaPay, Rapida and Campay. Each of them has no commission and provides instant enrollment funds.

Communication salons

The principle of replenishment is elementary - go to the nearest Euroset branch, contact an available cashier-operator, say that you need to replenish your RBC wallet and indicate the payment amount. Money is credited to the account instantly.

Internet banking

Those who are not used to leaving their computer can top up their e-wallet account via the Internet. Here I would like to draw your attention to the fact that at once you can transfer to the account no more than 15,000 rubles. The replenishment process in this case is similar to replenishment. Among the partners of RBC Money I found only “ Alfa Bank».

Money transfer systems

In this case, we interact with what is already familiar to us CONTACT, in the branch of which we find a free cashier-operator and, by analogy with replenishment in the Euroset salon, we transfer money to our electronic account. The payment amount is sent to the wallet instantly, but you have to pay for it commission of 3.5% from the replenishment amount.

Replenishment by bank payment

Alternatively, you can deposit money into your account using the services of your nearest bank branch. This replenishment option will not be too fast, since crediting to the account occurs within 5 working days. However, it is possible that your bank will process the request instantly and the money will arrive in your wallet on the same day.

Replenishment through online exchangers

If, for example, you have funds for , then you can safely exchange them for the currency of the RBC wallet using a specialized online e-currency exchanger.

Withdrawal methods

To withdraw money from an electronic account, RBC Money users are given the right to choose:

withdraw money on the map;
transfer money to a bank account.

The only thing you will need to worry about before withdrawing funds is going through the identification process. You can withdraw money from absolutely any wallet you own, but only to the card or account of which you are the owner. To receive money, you must:

Go to your personal account and enter your bank details or your card number, for example, or any other card
Confirm the withdrawal of money and wait for it to be credited to your account or card

As for the issue of commission, it all depends on the conditions of your bank. However, its size almost never exceeds 3%.

Mobile app

A real breakthrough for small businesses was the development of RBK Money called RBK Card. The application developers themselves immodestly call this development service No. 1 in Russia, which allows you to accept payments any bank cards directly from mobile phone, laptop or desktop PC. Using RBC Card for only 2.9% representatives of small businesses will be able to accept payments from bank cards. To do this, just install the application, register in an electronic wallet and start accepting payments from bank cards, after entering the data of your clients.

Having studied the reviews about the RBK Money product, I got the impression that this application somewhat damp. The fact is that users of the program universally complain about incompetent support service, rather long connections and frequent refusals to accept cards. I think this is precisely what is connected with the fact that this moment the project has been sent for reboot.

Services for business

It is impossible not to note such a feature of RBC Money as support for working with various services for business:

Connecting online stores. By connecting to the RBK Money system, customers of online stores will be able to purchase goods and services, paying for them with cards from such payment systems as Visa International, Mastercard Worldwide.
Marketing of joint programs. Great opportunity free promotion products of your online stores or online services among RBK Money users. The essence of this interaction is as follows: you offer your customers some discounts or gifts for paying for purchases in your store using the RBC Money wallet, and in return you receive from the payment system the promotion of their special offers among payment system users.
Accepting payments. Connecting to payment terminals of the RBC Money system allows you to increase the list of paid services and thereby attract new clients. Clients will have the opportunity instantly make payments in favor of online stores, and owners of payment terminals will be able to extract additional profit from RBC Money users from such interaction with the system.

Advantages and disadvantages of RBC Money

pros

To summarize, it is impossible not to note indisputable advantages of the system, which I would attribute to

Multi-level protection system

RBC Money offers several ways to secure client accounts, including:

regular monitoring payments and other operations carried out by system users;
setting up access to the wallet exclusively from personal computer and owner's phone number;
possibility of use dual password system– you will need to enter a password not only when logging into your wallet, but also when performing any financial transaction.

Instant transaction processing

The lion's share of payments enters the system instantly.

Comfortable use

To actively use the payment options, it is enough that you have a smartphone or computer with Internet access at hand.

No commissions

The system does not charge its users an additional fee for using payment services. This allows all wallet holders to make purchases online at the price originally specified by the seller, without overpaying for system services.

Possibility of connecting an online store

To connect your own online store to your payment system, just fill out a special form on the system’s official website and wait until the operation is confirmed. As a rule, this takes A couple of minutes.

Minuses

As for the shortcomings, here I want to draw your attention to the following points:

Removal of commission for withdrawal of funds

For withdrawal of money through the CONTACT payment system, you will be charged 3.5% of the transfer amount. If you withdraw funds through Mastercard, the commission will be 2%.

Slow withdrawal of funds to bank cards

Despite the fact that the system instantly tops up accounts and pays for services, withdrawing funds from an electronic wallet to bank card it takes quite a long time to produce. On average, withdrawal of funds occurs within 2-3 days, but there are cases when this procedure is carried out within 5 days.

Summary

In conclusion, I would like to say that despite the minor imperfections of the payment system, RBC Money is still a fairly popular and highly sought-after payment system among users of Internet services. Ease of use, high speed of operations and reliable protection are the main advantages of the system. If you have not yet tried the payment options, I suggest you do so right now. Well, for now I say goodbye to you. See you soon!

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