home Ratings Reviews about RBK Money. Payment system RBK Money What is rbk money

Reviews about RBK Money. Payment system RBK Money What is rbk money

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 offered 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 - payment system, offering users extensive functionality. Possibilities include fast money transfers, payment for goods in online stores, online payments for bills public utilities 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 cash 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. A complete list of tariffs operating under various tariff plans can be found on the official website of the service.

This is not a very popular payment service that has already existed for almost 15 years. For most business people, this is an excellent opportunity to quickly replenish their account, as well as the opportunity to quickly withdraw funds without unnecessary overpayments and hassle. The variety of methods offered will pleasantly please customers.

So, with RBC Money, withdrawal methods are available to:

VISA and MasterCard cards;
Internet banking;
electronic payment systems;
mobile balance.

There is no doubt that RBK money is a reliable platform that provides a full guarantee of protection from various charge-backs and possible frauds for any payment method, but due to its rather meager capabilities it is not as popular as .

Withdrawing RBK money to VISA and MasterCard bank cards

The most common method of withdrawing funds is to a bank card. Here, clients are offered two options, both of which are quite convenient, but fraught with various financial costs- up to 10,000 rub. The transfer is carried out within 5 working days, but without any commission. If you are interested in a shorter transfer, then this is also possible, but with a commission of 2.95% and with a shorter withdrawal period - up to 3 business days. Only Russian citizens who have confirmed data have such a right. Monthly withdrawal limit financial resources from the wallet equals 600,000 rubles.

Withdrawal of funds to a bank account

The conditions for withdrawing RBC money to a bank account are similar to the previous one, but the daily withdrawal limit is limited to 10,000 rubles. Funds are credited to the account within 5 days, and with commission - within 3 business days. The algorithm of your actions will be as follows:

V personal account open the sub-item “Payments”;
Next, select the sub-item “Withdrawal of funds”;
in the window that opens, select the item of interest “To a bank account”;
you will need to correctly fill out the form provided, as well as personal data, which must completely match the information about the owner of the wallet in the system, correct Bank details, then click “Next”;
Confirm the payment made by the client for the amount of funds you are interested in.

If you have chosen a return without commission from the offered options, then the funds will be received within 5 days, but in this case a bank commission may be charged, in each banking organization she belongs. If you chose the second option - refund with a commission of 2.95% - here the bank commission will already be included and the funds will have to arrive within 3 days.

Mobile account replenishment

With the help of RBC money, you just need to top up your account mobile phone- money arrives almost instantly, without any commissions. Many mobile operators also provide the opportunity to cash out, but with a fairly high commission. So, in Megafon it is approximately 7.95%. But if you are deprived of access to other methods, then this will be a good way out of a difficult situation. Many people prefer to top up the accounts of their work colleagues, receiving some amount without tedious cash deposits and trips to terminals. To top up your mobile account, you will need to log into your personal account, then:

choose mobile top up;
enter your phone number;
confirm that your payment information has been entered correctly by sending a message to your email or contact number;
Confirm the correctness by entering the sent code.

Withdrawal of money through the payment system Contact

The withdrawal percentage here is higher and reaches approximately 3.5%, but with the possibility of receiving money on the day you use these services. You can receive your funds at any bank branch closest to you that cooperates with RBC. To do this you will need:

give the number of the wallet you need in the system;
have with you a passport confirming your identity.

Withdrawal of money via RBK-money bank card

The most economical way to withdraw funds is to receive an RBK card. This will not require you to carry out any other manipulations, and the withdrawal of your funds will be interest-free. It is important not to forget that this does not apply to third-party terminals - they may have a commission, reaching approximately 5-8% for one withdrawal!

The company has been known under this name since 2008. Until that time, it was called Rupay and was also quite in demand. The system was founded jointly by Russian and Ukrainian programmers and economists.

By and large, RBK Money does not offer clients anything fundamentally new (at least for now) that would significantly distinguish the system from its competitors.

With an RBK Money wallet, you can:

send money to system participants and receive funds from them;
pay for services and goods of various companies (including housing and communal services - the list of system partners is very long).

As you can see, everything is standard. Therefore, let's go through each point of cooperation with RBK Money to determine the features of the system.

Registration in RBK Money

Naturally, to get started, you need to register and create a wallet (the system currency is Russian rubles). There are two levels: identified and unidentified. It is clear that at first the status will be with the prefix “not”.

This can be corrected by passing identification, but more on that below. In the meantime, let's look at what is the difference between wallets? And the difference is in opportunities. The identified one has more of them. Firstly (in addition to paying for goods in online stores), the owner of such a wallet can exchange funds for other currencies.

Also, for the owner of an electronic identified wallet, the limits on withdrawal, deposit and transfer of funds are increased. In addition, such a wallet can be replenished by a legal entity. According to the rules of the system, one wallet is tied to one email address.

There are two ways to go through identification:

You must print the application from the official website and fill it out in block letters. Then you need to make copies of your passport. Together with these documents, the client is sent to a notary, who certifies copies of the passport and the signature on the application. Then the documents are sent by mail to the RBK Money company, which within 10 days after receipt changes (if everything complies with the rules) the status of the wallet to “identified”.
You can authenticate via CONTACT system. To do this, you need to come with your passport to the CONTACT payment acceptance and sending point, tell the employee your wallet number and pay the receipt. The cost of the service is 200 rubles, of which 150 is the system commission, and 50 rubles. are credited to the client's account.

Among the nuances, it should be noted that RBK Money reserves the right to require the user to undergo identification at any time. And until he does this, the system has the right to block expenditure transactions.

Topping up your RBK Money wallet from a card

This action can be carried out in several ways: using a payment card or bank transfer, through the Russian Post system money transfers(CONTACT, gold Crown, LEADER), Internet banking and in communication stores (MobilElement, Euroset, Svyaznoy, etc.).

The variety of methods is pleasing to the eye, but we will dwell in more detail on the one associated with plastic cards.

To top up your RBK Money wallet using your bank card, you first need to add it to the system. To do this, log into your account on the website and find the “Bank Cards” tab. The adding process begins automatically (you will have to enter personal data and card information). Following the system prompts, you will reach the point where adding a card must be confirmed.

An amount is blocked on your account (from 1 to 7 rubles). Within 10 hours, the system participant must enter the blocked amount, penny for penny, in the field. After completing the formalities, the money will be returned to your card.

Withdrawing funds from the RBK Money system to a card

You can withdraw money in three ways:

To a bank card.
To a bank account.
Through the CONTACT system (commission - 3.5%).

We are especially interested in the first method. And right away about the main thing - you can withdraw money from the system only to a ruble card Russian bank. To do this, you need to select the appropriate section in your personal account and enter the card account details.

Funds are withdrawn within 3-5 business days.

Tariffs and restrictions RBK Money

Finally we come to the most interesting part. Let's start by replenishing your wallet using a bank card (no commission is charged).

The maximum size of one transaction for replenishment is 50,000 rubles.
The maximum possible amount of transfers per day is RUB 300,000.
The number of transfers per day is 6 transactions.

As for withdrawals, an individual can withdraw no more than 10,000 rubles for free. per month. Withdrawal of a larger amount is carried out by urgent withdrawal (not 5, but 3 working days), for which a commission of 2.95% is charged.

Conclusions about the system

Of course, RBK Money has attractive features. Among them, it is worth noting that the user does not need to install any programs on the computer - all work is carried out through the website, which, by the way, has a convenient and intuitive interface. Right here you monitor the status of the completed payment. In addition, if you have any questions, you can contact the online consultant at any time.

Another positive point is the low commission. And using funds within the system (transferring to other users or paying for goods and services) is generally free. This is the main advantage, after which there is no need to talk about the disadvantages. Because replenishment is free, payments and transfers are too. What else is needed?

Yes, another plus - the user can optionally allow login only from a specific IP address, and transactions in RBK Money are protected by a multi-level security system.

Generally speaking, “on paper” the RBK Money EPS looks stronger than many of its competitors, which we have already discussed at Credit Card.

RBK.money is an international payment platform providing services to online companies and individuals in more than 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 clients.

Since its founding in 2002, RBK.money has grown from an internet startup to a leading payment provider with a presence in many countries. The company has created a number of innovative products: the first online 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 being acquired by the RBC holding.

The RBK.money brand unites companies that provide payment acceptance services for online businesses and individuals. The partnership between the NPO Electronic Payment Service (licensed by the Central Bank of the Russian Federation) and Direct Payment Limited (licensed by FCA UK) allows us to work with clients all over the world. The operator for transferring funds in the RBK Money system is NPO "EPS" (person 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.

Led by Denis and Kirill Burlakov since 2015, the company has developed an innovative IT structure, a new technology platform and modernized its business.

More information about the company on the official website: rbk.money

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

Performance indicators

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

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

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

Story

2018

Resistance to loads, flexible architecture and scalability

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

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

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

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

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

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

Availability of Apple Pay, Google Pay and Samsung Pay

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

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

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

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

Confirmation of compliance with PCI DSS 3.2 requirements

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

Compliance audit of the RBK.money payment service international standard PCI DSS Level 1 was conducted by SRC Security Research & Consulting GmbH.

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

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

Transition to an updated technology platform

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 relations with a payment system.

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

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

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

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

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

2015: Delays in paying funds to clients

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

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

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

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

Integration with popular Russian social networks “VKontakte”, “Odnoklassniki”, “My World” and Facebook in terms of visitor authentication has also been implemented. 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 obliged all systems electronic money from the end of 2012, operate either as banks or as NPOs.

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

2011

Increase in the number of transactions by 5.8 times

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

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

Sberbank is considering the possibility of purchasing the service from RBC

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

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

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

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

Today, banks consider such an asset not from the point of view of the cost of the product itself, but as an entrance ticket to the electronic money market. Competitiveness of the operator under control 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.