RBK Money - why you might need a wallet in RBK and what is remarkable about this RUpay payment system. Pros and cons of the RBK Money payment system Through self-service terminals
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 online wallet, you only need to indicate in the registration form your real last name, first name and patronymic (in Cyrillic) and e-mail, and also come up with a password to log in to 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 secure your wallet is Secret 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 wallet replenishment limit by 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 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 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 Bank Uralsib(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 |
| "Single 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 weekdays) |
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 | |
The RBK Money payment system appeared after the name of Rupay was changed as a result of its purchase by the media holding RBC Information Systems in 2008. The credit organization NKO EPS LLC became the new owner in 2012. It operates throughout Russia. The year 2016 has been declared the year of reboot, global rebranding. During the existence of RBK Money, there were both negative reviews and cases of fraud, and now the team is going to improve the position of the payment platform.
Registration on the RBK Money platform
Creating an electronic account is easy. To do this, you need to follow the link rbkmoney.com/ru/koshelek-rbk-money. Be sure to fill out the fields marked with an asterisk.
Do not allow the RBK Money service password to coincide with passwords from other payment platforms.
After filling out the required data, go to the account security settings page. We indicate the payment password, the answer to the secret question and enter the captcha. To the specified e-mail a letter will arrive with instructions for activation. The platform is available to legal entities and individuals. Registration in the RBK Money service is free. 
To log into the system, as well as view your balance and other account data, you must enter your login password. When making payment transactions in RBK Money, transferring and exchanging funds, the system will require you to enter the so-called RBK Money payment password. This is for added security.
The Wikimoney website recommends taking the Lazy Investor Course, where you will learn how to get out of your financial ass and learn how to earn passive income. No enticements, only high-quality information from a practicing investor (from real estate to cryptocurrency).
Types of wallets
After registration, a standard RBK Money account becomes active, naturally, which has certain restrictions. You can upgrade your RBC Money electronic account to an extended one by confirming the owner’s personal data.
Owners of improved wallets have the following advantages:
- monthly limit RUB 300,000;
- commission for transfers 0.3%;
- withdrawal of monetary assets in the amount of up to 300,000 rubles;
- exchange for electronic money 100,000 rub. per month.
You can confirm your personal data by providing a completed application in the prescribed form (certified by a notary and sent by mail). You can also come to the Contact transfer acceptance point with your passport and send 50 rubles. at your own expense.
Top up your account in RBK Money
You can deposit money into your wallet in the following ways: 
- using Internet banking;
- by placing money in a payment terminal;
- Bank transaction;
- in Euroset stores;
- money transfer;
Replenishment through Internet banking occurs instantly, and no commission is charged. When paying or topping up through Eleksnet, DeltaPay, Comepay, Rapida terminals, select the required provider and insert banknotes. The commission is 0%, credited to your RBK Money account instantly. Payment to Bank account bank payment made up to 3-5 working days, and a commission is charged according to the bank’s tariffs.
No more than 200,000 rubles, available only to residents of the Russian Federation. At any “CONTACT” point in Russia, no commission is charged when transferring to RBK Money. Using electronic Webmoney, Mobile wallet, Yandex Money and others, you can top up your RBK Money wallet. Commission is charged.
Exchange RBK Money
Naturally, the RBK Money platform is integrated with various payment systems. In particular, exchange is carried out for Webmoney and Yandex Money. On the website banks.webmoney.ru you can organize the exchange of Webmoney for RBK Money. To do this, you will need to issue a formal Webmoney certificate and an extended one in RBK Money. After this, you need to specify your RBK Money account in the “Link account / card” menu. After the merger we make an exchange.
Exchange exchanges are also actively used, for example, BestExchangers.ru. More details about the exchange can be seen in the following video:
Security, fraud protection
RBK Money positions itself as a multi-level secure system. Previously, there was a program called “100% guarantee”. According to this program, you are fully insured against theft of your money, and if this happens, which is unlikely, the resource will fully compensate for your damage. 
In case of problems with fraudulent activities, you must write to technical support, which operates around the clock. By describing the problem to the security service, RBK Money will protect you from fraudulent schemes. However, in practice, cases of money being written off from electronic accounts are often mentioned, and problems are observed with the withdrawal of funds.
Security is provided by two separate passwords, and you can also enter control by IP address. Payment procedures at RBK Money are applied using SSL cryptography with a 128-bit key. In addition to the measures listed, there is protection against chargebacks (chargebacks) and fraud (for example, theft of card data on the Internet). At least that's what they assure us on the website.
Let's sum it up
In conclusion, we note that the RBK Money electronic payment system has certain advantages, namely: commission-free replenishment, instant payment, more than 250 thousand points of depositing funds throughout the Russian Federation, good integration with online stores, work with 120 different currencies. However, you can also find negative reviews about RBK Money. These are quite high tariffs, difficulties in working for residents of the CIS, lack of special programs to popularize the service. In 2016, the service is pursuing a policy of global changes, starting from design to the platform itself. This is for added security.
How to connect
My website is under development and is not publicly available, 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, go through 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 have no technical specialist, 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, 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 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.
How to add a new payment method (method) to your payment form?
By default, all possible options will be available on your payment form. Payment Methods, with the exception of those that require a separate contractual relationship with the provider, such as, for example, a 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 only be activated for bank cards.
What notifications will I receive from RBK.money?
What integration methods are available?
We support the most different ways integrations. 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.
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?
Payment service RBK.money meets security standards PCI data DSS, 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?
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 twice New Password and click on the “Change” button.
Freelancers use many electronic payment systems, and everyone chooses the most convenient one for themselves. As practice shows, the most trusted are such giants as WebMoney and Yandex.Money.
But there are no less interesting players in the financial market, albeit not as popular and not so widespread. the site decided to tell you today about another payment system - RBK Money.
About company
This is a Russian payment system designed for payments on the Internet, i.e. shopping in online stores, paying bills and other electronic transactions.
The history of the system began back in 2002 - then it bore the name. At that time, the system worked in Ukraine and Russia, and it was created by a group of Russian and Ukrainian developers.
In 2008, RuPay joined the RBK holding and changed its name to RBK Money.
This is a platform that allows you to make money transfers in various ways, including using Visa and MasterCard cards, mobile transfers. You can withdraw money to a card or pay in stores, pay utility bills, or top up your phone.
The payment system cooperates with more than 40,000 online stores and serves about 6.2 million users.
System Features
RBK Money payments are accepted at 250 thousand points throughout the Russian Federation.
All payments in this electronic system irrevocable. This is done to protect against fraudsters who can withdraw payment after receiving the goods.
Almost all payments in the system are made without commission. You will only pay 2.95% for instant withdrawals(in normal mode, money arrives on the card within 24 hours).
The system offers cooperation to both online stores and offline stores. Entrepreneurs have the opportunity to accept payments online, including using credit cards. The commission is charged only for payment processing and is 3.9%.
Provided payment tracking system. Each transaction is assigned a unique number, by which you can check the status of the payment through the service. You will also immediately receive a notification report about the completion of the payment.
The RBK Money system provides all the necessary documents for accounting, which makes it easier for legal entities to cooperate with it.
Each registered user of the system can open an RBK Money debit card for free. The currency of such a card is Russian rubles. With its help, you can pay for purchases, withdraw cash, and also receive interest on your account balance.
Electronic wallets
Each user of the RBK Money system has the opportunity to create an electronic wallet. There are two types of wallets: unidentified and identified.
To create a wallet, you just need to register in the system. An unidentified wallet is created automatically. This wallet only allows you to pay for purchases in online stores, and the maximum amount of replenishment and transfers cannot exceed 15,000 rubles per day.
If this is not enough for you, you need to go through the identification procedure. To do this you can send 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 will be able to pay for purchases through systems cellular communications, money transfer system or payment terminals, addressed to a foreign organization, Russian non-profit organization; the maximum amount for replenishment and transfers increases to 100,000 rubles per day. If an unidentified wallet does not allow you to withdraw funds, then with an identified wallet you can withdraw up to 100,000 rubles.
Payment methods and wallet replenishment
The RBK Money system provides the opportunity to pay for purchases and top up your account online in several ways:
You can pay a bill or top up your wallet with a Visa or MasterCard bank card, either activated or not. The maximum number of payments per day is 6.
Through the CONTACT money transfer system (no commission);
Through Euroset communication shops;
In any branch of Russian banks, by bank transfer. The commission is charged according to the bank's tariffs;
Using Internet banking systems of the largest banks in the Russian Federation;
Through payment terminals, no commission.
RBK Money is a Russian payment system that is gaining popularity. Entrepreneurs with both online and offline stores should pay attention to it, since the system offers flexible and convenient conditions for cooperation and integration.
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 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 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 others. 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.
