Payment system RBK Money. RBK Money - why you may need a wallet in RBC and what is remarkable about this RUpay payment system
Among the most frequently used payment services in Russia, we can mention RBKMoney - a progressive online platform that allows you to make quick payments. Money transfers. Among the services are 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 the most functional use of RBC, a new participant will be offered to register a personal wallet.
RBK Money - payment system
The service was registered as 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. Opportunities include fast money transfers, payment for goods in online stores, online payment of utility bills and mobile communication. In addition, RBC wallet owners 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 wider opportunities for its owner. Among the main advantages that the RBKMoney wallet has are the ability to pay for purchases online without overpayments, interest-free replenishment, as well as free withdrawal of the cash balance to a card or bank account. Registration is also free and takes a minimum of time. Holders of wallet accounts in the RBC system have access to qualified technical support services that operate 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 outlets. The number of online stores accepting RBKMoney payments has already exceeded 40,000 today. At the same time, the buyer does not need to worry about hidden fees and commissions: when performing a trading operation, only selected goods or services are paid for, the system commission is 0%. In the event that after settlements there is money left on the RBC account, they can always be withdrawn to a bank card.
RBK Money card
Each user of the RBC system has the opportunity to issue a personal plastic card of the Visa international payment system. The RBKMoney card allows you to instantly withdraw funds without commissions - for all financial transactions linked to a personal wallet. At the same time, 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 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 credited in favor of the client, 3.9% of the total payment amount is deducted. Withdrawing money from the wallet to a bank account/plastic card and returning money to the sender of the transfer (payer) are also not subject to commission costs. FROM complete list tariffs operating within the framework of various tariff plans can be found on the official website of the service.
Consider the features of RBK Money (the nature of working with it practically does not differ from working with a 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 replenish 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 online wallet, you only need to indicate your real surname, first name and patronymic (in Cyrillic) and e-mail in the registration form, and also come up with a password to enter the system. I advise you to approach the issue of choosing an e-mail with responsibility, since this will be your login in the system. In addition, at the first step of registration, you must specify your date of birth - you may need this information if you lose (hack, lose) your password to recover it.
The second step to keep your wallet secure is Secret Question. You will need to come up with this question and the answer to it and, of course, remember the answer. This data can also be useful to you if you need to recover a lost password.
There are two types of wallets in the system - Standard and Extended(analogues of non-certified and certified Rupay accounts). In order to upgrade the wallet to the advanced level, you need to provide the system with your passport data.
What are the advantages of having an Advanced Wallet compared to a Standard Wallet?
- increase in the monthly limit for transfers to other users of the system from 100,000 rubles. up to 300,000 rubles;
- increasing the limit for replenishing the wallet with a bank card (of 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, Standard Wallet users were also 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 site and install special application RBK Money Mobile. Mobile app 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 within the system. It was charged from the sender of the payment and amounted to 0.5% for holders of Standard wallets and 0.3% for holders of Extended wallets (but not less than 1 rub.). Now all transfers between RBK Money wallets are free.
RBK Money charges a fee for withdrawing money from a wallet (returning unused funds). (See below).
RBK Money wallet replenishment methods and agent rates
The number of ways to replenish the wallet in RBK Money is constantly replenished. In addition, it seems that RBK Money is constantly actively negotiating with agents about tariff reductions. In any case, almost every month on the website of the system they happily report about the reduction of one or another tariff or even the complete cancellation of the commission of any method of replenishing the wallet. Judge for yourself from the table below - the following methods of depositing money into the system are currently available:
Ways to replenish the wallet without commission |
||
| Agent | Commission | Terms of enrollment |
|---|---|---|
| VISA, MasterCard* | 0% | instantly |
| Through the terminals of the "Mail of Russia" and in the IS FKT "WinPost" | 0% | instantly |
| MTS communication salons and terminals of MobilElement salons. | 0% | instantly |
| Bank payment through the bank "Uralsib" | 0% | 1-2 working days |
| "CONTACT" money transfer system | 0% | up to 2 hours |
| Money transfer system "Leader" | 0% | instantly |
| Money transfer system "Zolotaya Korona" | ||
| Internet banking Bank Uralsib(Moscow) | 0% | 1-2 working days |
| Payment terminals "AMEGA", "Eleksnet", "X-Plat", "Multi-Cashier", "Express-Payment", "SkySend", "Free Cashier", "Unikassa", "Pinpay express", " One system City Payments", "Quickpay", "Money-Money", federal system City, Forward Mobile, CiberPay. | 0% | instantly |
Other ways to replenish the wallet |
||
Through ATMs from any international bank card |
||
| VTB 24 | instantly | |
| Masterbank | 1% (not less than 100 rubles) | instantly |
| Uraltransbank | 3% | In 2 hours |
| Rapida | from 2% | instantly |
Communication salons |
||
| Euroset | 2% | instantly |
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 rubles) | 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 rubles) | instantly |
| OTP Bank | 1,5% | instantly |
| Handy Bank | 3% | instantly |
| Yekaterinburg 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 |
| "Single Settlement Center" | up to 5% | instantly |
| "MasterPort" | to 10% | instantly |
| "KET" | up to 5% | instantly |
| "Forward Mobile" | no more than 5%, taking into account the commission of the terminal | instantly |
| "Orange" | 7% | instantly |
| "Mobile City Payments" | 3,8% | 20 minutes |
| "Volgo-Kamsky Bank"/td> | no more than 5% | instantly |
| "Connected" | 3% | payment 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%** | payment in 2 hours |
| "Sprint Net" | 3%** | payment in 2 hours |
| "E transfer" | 2%** | instantly |
| Savings bank 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 Checkout" | up to 5% | instantly |
| "cash box" | up to 5% | instantly |
| Comepay | 1%** | enrollment in 24 hours |
Replenishment with RBK Money prepaid card |
||
| According to the tariffs of agents, including the cost of card delivery. | ||
Through money transfer systems |
||
| Unistream | 1% * -2%, but not less than 50 rubles. | instantly (working days) |
Postal transfer |
||
| Post office | 1.7% (excluding VAT), but not less than 25 rubles per transfer | 3-4 working days |
Electronic currency exchange |
||
| Through Yandex.Money | 4% | instantly |
| Through exchange offices | according to the tariffs of the exchange office | instantly |
| UCash voucher | 5% | instantly |
* Please note that not every plastic card is suitable for replenishing your wallet in RBK Money. These can only be cards of VISA and MasterCard systems, moreover, Visa Classic, MasterCard Standard and higher (you will not be able to replenish your wallet with Visa Electron / MasterCard Maestro). Funds deposited to 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
FAQ: what information should be provided when making a bank transfer to deposit funds to the RBK Money e-wallet? The answer is this. When you want to fund your account by bank transfer, you need to go to 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.
Ways to withdraw funds from the RBK Money wallet
and system rates for the return of unused funds
| System | Commission | Terms of enrollment |
|---|---|---|
| To RBK Money MasterCard | 2% | 3-5 business days |
| 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 the bank account of an individual | 0% | 3-5 business days |
| To a bank card | 0% | 3-5 business days |
| To a wallet in Yandex.Money | 4% | instantly |
| Buying 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 exchangers | |
Freelancers use many electronic payment systems, and everyone chooses the most convenient for themselves. As practice shows, such giants as WebMoney and Yandex.Money are most trusted.
But there are no less interesting players in the financial market, albeit not as popular and not so widespread. the site decided to tell you today about another payment system - RBK Money.
About company
This is a Russian payment system designed for online payments, i.e. purchases in online stores, payment of bills and other electronic transactions.
The history of the system began in 2002 - then it was called. At that time, the system worked on the territory of Ukraine and Russia, and it was created by a group of Russian and Ukrainian developers.
In 2008, RuPay entered the RBK holding and changed its name to RBK Money.
This is a platform that allows you to make money transfers in various ways, including using Visa and MasterCard cards, mobile transfers. You can withdraw money to a card or pay in stores, pay utility bills, top up your phone.
The payment system cooperates with more than 40,000 online stores and serves about 6.2 million users.
System Features
RBK Money payments are accepted at 250,000 outlets throughout the Russian Federation.
All payments in this electronic system irrevocable. This is done in order to protect against fraudsters who can withdraw the payment after receiving the goods.
Almost all payments in the system are made without commission. You will only pay 2.95% for instant withdrawal(in normal mode, money is credited to the card within a day).
The system offers cooperation to both online and offline stores. Entrepreneurs have the opportunity to accept payments on the Internet, including using credit cards. The commission is taken only for processing the payment and is 3.9%.
Provided payment tracking system. Each operation is assigned a unique number, by which you can check the status of the payment through the service. Also, you immediately receive a report-notification of the payment.
The RBK Money system provides all the necessary documents for accounting which facilitates cooperation with her for legal entities.
Each registered user of the system can open RBK Money debit card for free. The currency of such a card is Russian rubles. With its help, you can pay for purchases, withdraw cash, and also receive interest on the account balance.
Electronic wallets
Each user of the RBK Money system has the opportunity to create an electronic wallet. There are two types of wallets: unidentified and identified.
To start a wallet, you just need to register in the system. An unidentified wallet is created automatically. This wallet only allows you to pay for purchases in online stores, and the maximum amount of replenishment and transfers cannot exceed 15,000 rubles per day.
If this is not enough for you, you need to go through the identification procedure. To do this, you can send by registered mail application and a copy of the passport certified by a notary. The second option is identification through the CONTACT system.
As a result, you will receive a wallet from which, in addition to paying in online stores, you can pay for purchases through the systems cellular communication, a money transfer system or payment terminals, to a foreign organization, a Russian non-profit organization; the maximum amount of replenishment and transfers increases to 100,000 rubles per day. If an unidentified wallet does not allow you to withdraw funds, then with an identified one you can withdraw up to 100,000 rubles.
Payment methods and wallet replenishment
The RBK Money system provides an opportunity to pay for purchases and replenish the account in the network in several ways:
You can pay your bill or replenish your wallet with a Visa or MasterCard bank card, activated or not activated. The maximum number of payments per day is 6.
Through the money transfer system "CONTACT" (no commission);
Through Euroset communication salons;
In any branch of Russian banks, by bank transfer. The commission is charged according to the bank's tariffs;
With the help of Internet banking systems of the largest banks of the Russian Federation;
Through payment terminals, no commission.
RBK Money is a Russian payment system that is gaining popularity. Entrepreneurs who have both online and offline stores should pay attention to it, as the system offers flexible and convenient conditions for cooperation and integration.
One of the modern payment services that allows you to transfer funds, both using bank cards and online payments on the Internet, is RBK Money. Today we will talk about the features of this service, tell you how RBK Money is paid, who can use its services and how to deposit / withdraw funds.
About RBK Money
This company was founded in Russia on October 7, 2002 with the name Rupay. Since 2008, this payment service has been part of the RBK holding, while the name has changed to RBK Money. This settlement platform cooperates with more than 40,000 online stores, for goods and services in which payment can be made by rbk money payment service. It also supports the transfer of funds using international bank cards of payment systems VISA, MasterCard and Mir.
Widely branched (more than 250 thousand points), covering almost the entire territory Russian Federation, a network that carries out operations for depositing or withdrawing funds, covers more than 6.2 million customers, which makes RBK Money a very attractive and convenient partner.
Business Services
As noted above, the services of RBK Money are very popular when making payments in online stores. The list of payment methods is quite extensive:
- bank cards;
- electronic wallets;
- bank payments;
- Money transfers"
- payment terminals;
- communication salons;
- Internet banking.
With the development of means of communication, in particular the Internet, the possibilities for the implementation of various kinds of commercial projects have dramatically expanded. Now the buyers of a trading enterprise can be not only residents of nearby streets or quarters, but almost any person who has a smartphone and a computer with a connection to the World Wide Web.
Given the development of various kinds of postal and delivery services, it becomes possible to sell goods or services almost all over the world. But for the successful implementation of such projects, a convenient payment system is required, both for the buyer and the seller. Considering the developed network of services in the Russian Federation serving the financial transactions of RBK Money, you can open an online store without any problems.
Find out which credit cards offer various banks and conditions for them, you can. Where and how to apply for loans for any purpose via the Internet, read.
For a product or service on the store's website, payment through the rbk money service can be made even without the client having an electronic wallet, for this the client needs to know only his order number. The service of connecting the RBK Money service to the online store is free, takes only two working days, does not include any hidden commissions and payments. There are three tariff plan for an online store or online service:
- Basic (3.9% of the turnover is charged on account of payment for services).
- Individual (2.5% of turnover is charged as payment for services).
- Do Good (2.5% of the turnover is charged to pay for services).
On the company's website, you can download customized modules for CMS Worpress, Drupal, Bitrix, Joomla for free. Many other companies that provide similar online payment services sell similar modules. Thus, novice entrepreneurs who, as a rule, have a limited financial resource from cooperation with the RBK Money payment service will receive support and benefits at the stage of formation of their business project.
Services for individuals
Individuals, as well as legal entities, are not charged for registration in the RBK Money payment service. Registration takes place on the company's website, and takes no more than a few minutes. Upon completion of registration, each client receives an Internet wallet.
This wallet can be of two types - “Unidentified” and “Identified”. The differences are in different functionality, availability of operations and the amount of funds that can be operated.
Passing the identification procedure
The procedure itself is not difficult. It can be completed by mail, or by using the CONTACT transfer system. In order to be identified in the first way, you need to send the “Application Form” by registered mail to the address of the RBK Money company with the client’s signature certified by a notary.
In order for the account holder to be identified using the CONTACT system, you need to come with a civil passport to its nearest branch, notify the cashier of your intention to pay for identification in the payment service of the RBK Money company. Then, presenting your passport, you will need to name the service code (identification of the client of the RBK Money company) “RBKY” and the number of your wallet in the RBK Money payment service. The payment amount will be 200 rubles, while 50 rubles will be transferred to your wallet.
As a rule, during the day the submitted information is sent to the security service of the RBK Money company for consideration. Information received from clients enters the queue, after its consideration and a positive (as a rule) response, the status of the client's account will be changed to “Identified”. Some time later in personal account the user's status will also change to "Identified".
Raising the client's status from "Standard" to "Identified" provides a number of advantages, both in expanding functionality and in reducing the commission on transactions with funds. Thus, the commission for transferring funds to other participants in the system is reduced from 0.5 to 0.3 percent. The size of the limits of funds that the client can operate is increasing, and it becomes possible to withdraw funds from the RBK Money system.
Withdrawal of funds and security of the service
There are several ways to withdraw money from the payment system:
- Transfer of funds to RBK Money MasterCard (processing time 3 - 5 banking days).
- Transfer of funds to the “Yandex Money” wallet (instantly).
- By postal transfer (processing time 2 - 3 banking days).
- Purchase of Ukash voucher (instantly and without commission).
- Through the CONTACT system (processing time 1 banking day).
- Transfer to others payment systems WebMoney, Qiwi, MoneyMail, EasyPay and others (payment processing time depends on the specific system).
- Transfer to an individual's bank account (payment processing time is 3 - 5 banking days, it should also be noted that withdrawal is possible only to your own account).
The security system developed by the company's specialists allows it to provide its customers with reliable protection against the actions of hackers and various kinds of fraudsters. Protection is carried out both with the help of passwords and with the help of settings for the login properties of the client's account, when you can set a specific address from which it will be possible to connect to the service.
RBK.money is an international payment platform providing services for online companies and individuals in over 60 countries. The RBK.money payment service is a platform for making payments in various ways, including: Internet acquiring, mobile and online payments, contactless payments Apple Pay, Google Pay and Samsung Pay, VISA and Mastercard bank cards, escrow, merchant acquiring, auto payments, splitting and others - in total, more than 10 payment methods are available to the company's customers.
Since its founding in 2002, RBK.money has grown from a startup of Internet entrepreneurs to a leading payment provider with offices in many countries. The company has created a number innovative products: the first electronic wallet in Russia (2002), the world's first financial marketplace (2007), the first virtual payment card in Russia (2013). The brand received its new name, RBK.money, in 2008, after the acquisition by the RBC holding.
The RBK.money brand brings together companies that provide payment acceptance services for online businesses and individuals. Partnership NGO "Electronic payment service” (CBR license) and Direct Payment Limited (FCA UK license) allows you to work with clients all over the world. The operator for the transfer of funds in the RBK Money system is NBCO "EPS" (entity No. 3509-K, issued by the Bank of Russia on February 11, 2013).
Currently, RBK.money cooperates with more than 30,000 clients and serves over 8 million users in 60 countries around the world.
Led by Denis and Kirill Burlakov since 2015, the company has developed an innovative IT structure, a new technological platform and modernized its business.
More information about the company on the official website: rbk.money
