RBC payment system. RBK Money: Saying goodbye to payment fees. Multilevel protection system

In addition to the already well-known payment systems Webmoney and Yandex Money, there is another fairly large player in the CIS countries - RBK Money, which has come close to its more experienced competitors, taking an honorable third place in the popularity rating. Let's see what this system liked so much for Russian-speaking users.

Benefits of RBK Money

Convenient and ergonomic interface, which has a clear structure even for beginners. With its help, you can not only carry out the necessary currency operation in 2-3 clicks, but also get access to statistics, as well as many others. useful features. Unlike some other payment systems, RBK Money does not force users to install a client application - everything you need is already in the browser.
A huge number of ways to replenish. Bank payments, payment by card, postal transfers, through a specialized terminal, by SMS with mobile phone and so on.
Versatility. With the help of RBK Money, you can pay for purchases on the Internet, utilities, traffic police fines, make transfers to accounts in other payment systems. Owners of online stores will certainly like the service of automatic payment acceptance.
Low fees for internal transactions - 0.5% for standard wallets and 0.3% for extended ones. To receive advanced features, you must verify your personal information by sending a copy of your passport.
Advanced means of protecting personal data and funds stored on the account. All transactions are carried out using a secure SSL protocol, which excludes outside interference and theft.
Additional services such as your own plastic Visa card (can only be used in Russia) and mobile app, which supports all the necessary functionality present in the standard interface.
High speed and quality of technical support - within a few minutes, a competent specialist in an online chat will answer your questions. It is also possible to contact a consultant by phone.
Program “100% Guarantee”. Even if you become a victim of scammers, RBK Money will fully reimburse your losses: you just need to submit an application to the support service, which will be considered within 30 days, after which, if a positive decision is made, the money will be credited back to your account.
Discounts when paying for goods in partner stores and payment system-friendly companies, and quite significant - 5, 10 and even 30%. If at this time partners hold other promotions, each discount is considered separately.
Opportunity to earn on affiliate program. You will be able to receive 0.5% of the amount that was replenished by the referral (the person who registered using your affiliate link). Payment is credited to the account instantly, regardless of how the transfer was made.

With all the simplicity and profitability of using RBK Money, it also has negative sides and, unfortunately, there are not much less of them than positive qualities.

Disadvantages of RBK Money

As a unit of account, the RBK Money system uses only one currency - the Russian ruble, which makes the use of this payment by persons living outside the territory of the Russian Federation practically impractical.
A significant limitation of the functionality for users who have not submitted their passport data for verification: the transfer amount cannot exceed 15 thousand rubles, automatic payment acceptance is not available, there is no possibility of exchanging with other EPS.
A fairly high commission is charged for deposit/withdrawal operations in some ways (from 3 to 5%), although in most cases RBK Money does not require any deductions.
Often there are problems with the passage of payments and the overall stability of the system.
Unidentified (without confirmation of passport data) wallets are not only subject to higher commissions, but are also at risk of blocking, which can only be removed by providing the administration with a number of notarized papers.

Summarize

RBK Money has shown itself to be a modern, simple and user-friendly platform, which, although it has many shortcomings, has remarkable potential for further development. Of course, it is unlikely that it will ever become an international project, but in Russia its popularity is guaranteed - more than four million customers are proof of this.

The administration's paranoia and its excessive suspicion towards customers should also be attributed to the shortcomings. In the process of creating a wallet and paying for one service through a Visa card, I had to go through two verification procedures (photo of the card and verification of the transaction) and only after that I was allowed to credit the money to the account. Already at this stage, I regretted that I decided to work with RBK, and when, after replenishment, the wallet was blocked, my patience snapped.

Campaign everything, there is no more payment system. I measured myself with the loss of 12,000 rubles on my personal account and a little more with a broker.
First I ordered the withdrawal of profit, the amount is not large, it’s a shame to call it, but the withdrawal was blocked for me and the money hung, the broker says there was a technical failure in the payment system - I run there, but there’s nothing, I’m not entering the login and password correctly. Password recovery does not help, the letter does not come to the mail, I cannot restore it via the phone, in general it is a shame that such offices appear, and even more offensive when they disappear with your money.
If someone tells me a way to withdraw the money that remains on the wallet, I will be grateful.
Please do not write advisers on contacting support, there are about thirty of my letters and messages already.

mistress

I watch the battles with payments and partner companies and understand that I can’t get my money back, there are so many claims against the company.

mistress

I wanted to read normal reviews and test, but after the reviews, the desire was gone. This eps is not used to pay for any services, it positions itself as a service for working with a mastercard and a visa. By the way, it is convenient to use Sberbank online to work with a visa and master cards, I recommend it!

Hello, dear readers of the blog site. Today I want to continue talking about . Next in line is the rather well-known Russian payment system RBK Money, which, of course, is inferior to the giants in terms of turnover and popularity, and, but it can be attractive in terms of what it contains virtually no commission for using the wallet, for transfers within the system, as well as for depositing and, in some cases, for withdrawing funds from your account.

In general, an idealistic picture is obtained, which is spoiled only by numerous complaints about the stability of RBK payments. Some users complain about their failure to pass and a very inert response, as well as the almost ineffective actions of the technical support service.

It turns out that, having absorbed all the best that Runet analogues have, as well as becoming the de facto Russian equivalent and (without the problems of withdrawing funds that are inherent in the bourgeois payment system in the post-Soviet space), Rbk Money, however, cannot provide sufficient technical and organizational resources. It's a pity if that's the case. By the way, o are also analogues of our hero, but read about them at the links provided.

RBK Money - principles of work and wallets

Anyway. So far, I have not had to face problems when working with Rbk Money, so I will not slander this payment system too much. 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 stand for "payment"). To be honest, I don’t know how successful RUpay’s march around the planet (or at least a sixth of its land) was, but in 2008 the assets of this company were bought by RBC, after a while it was renamed and moved to live on new domain www.rbkmoney.ru

As you can see now, RBK Money has nothing to do with Ukraine and this system is intended exclusively for Russians. All operations in it are carried out exclusively in rubles, which are pegged and secured by rubles of RBC Bank. That is, as a result, it turned out like local electronic money of one single bank.

It is possible that it is precisely because of this that some of their clients have difficulties. However, the almost non-existent commission in this payment system (you can see them yourself rates) attracts more and more new customers to it. The second advantage can be considered the simplicity of working with your account in Rbk Money. This does not require any special programs- all operations are carried out through a regular browser.

On the other hand, simplicity can turn into insufficient security, but I personally don’t really believe in it, because there was a place to be on the condition that I used enough safe program, not the simplest browser version.

In my opinion, at least some serious protection can only be given by confirmation of all operations 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).

In 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 is encrypted to work with your wallet, as well as the data of your payment cards that you attach to your wallet are encrypted.

Also, as in Paypal, the login in Rbk Money is the mailbox address that you specify during registration. But unlike Paypal, it doesn’t matter here whether you have free Mailbox or it implements a mail-to-domain variant. The payout limit for you will depend only on what type of wallet you use.

In RBC you can create two types of wallets:

Unidentified - 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 cannot exchange your rubles for other currencies and cannot use it for accept payments on your site.
Identified - here you can implement all the features provided by the system. I advise you to look at the comparison of the capabilities of various wallets and draw conclusions about what you need more. To get a professional wallet, you will need to provide your passport details.

To get a standard wallet, it will be enough to go through registration in Rbk Money :

Regular registration form fields. Unless they should be filled in with your real data, in order to avoid further problems with confirming your right to own a wallet. Here you will also be asked to come up with a password for access, and at the second step, the registration wizard will also be asked to come up with a payment password, as well as select and enter the answer to a security question (well, just like when receiving a free mailbox):

Go to your inbox and follow the link in the email you received.

At the next step, you will be presented with a choice: either vegetate with a standard wallet (which you almost already received if you clicked on the link from the letter received from RBK Money), or become a person and increase the level of your wallet by clicking on the appropriate button.

In Rbk money there is no commission for depositing and withdrawing money

If you choose the option to increase the level, you will first have to log in to the site, and only then another three-step wizard will open for you, at the first step of which you will need to check the box in the right place (even if you are not a citizen of Russia, you can still use a professional wallet in RBC, however, you will have to perform a number of actions for your verification).

If you are a citizen of Russia, then in the second step you will need to enter your passport details, and in the third step you will need to indicate your phone number and address of residence.

Also, for the final assignment of a professional wallet, you will need to make a confirmation payment (the amount is chosen randomly, and if you specify it correctly, then this will serve as confirmation) to your bank account or post office, and then enter the amount of this payment, which you can find out by phone at the bank, or by receipt at the post office (a similar proof of ownership of the payment card is also used in Paypel).

Account replenishment is possible different ways, including linking a bank card to it. True, as 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.

No commission is charged for replenishing an account in RBK Money, but this commission can be taken by the second party from which you deposit funds. For example, when replenishing an account with Yandex Money, you will be charged one and a half percent of the transaction amount:

The whole point of establishing a wallet in RBC Money is that with the help of these electronic money you can pay for many different services (cellular, utilities, etc.), as well as pay in online stores that accept them for payment.

In principle, you can pay in online stores directly from a plastic card, but as in the case of Paypal, the fact that you do not present your card data to anyone, plays an important role here reducing the likelihood of fraud.

In addition, the absence of a commission for transferring, depositing and withdrawing (not for all withdrawal methods) 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 Rbk money.

True, there is a reservation that only 10,000 rubles can be withdrawn to the account of individuals without a commission, and if this limit is exceeded, a commission will still be charged. But these are details. By the way, plastic card you can not only link it to your wallet, but, on the contrary, get an RBK Money Visa card, which, in theory, should provide you with a number of goodies that encourage you to open it.

Of the security settings, only Ip blocking will be available (so that it would be impossible to carry out operations with your wallet from any computer other than yours), which you can configure on this page.

Yes, in addition to working with the wallet through the web interface, you will have the opportunity to install the RbkMoney Mobile program on your cell phone, but I did not do this and I can’t tell you about my impressions.

Good luck to you! See you soon on the blog pages site

Registration on the RBK Money platform

Opening an electronic account is easy. To do this, you need to follow the link rbkmoney.com/ru/koshelek-rbk-money. Be sure to fill in the fields marked with an asterisk.

Do not allow the password of the RBK Money service to match passwords from other payment platforms.

After filling in the required data, go to the account security settings page. Specify the payment password, the answer to the secret question and enter the captcha. An email with instructions for activation will be sent to the specified e-mail. The platform is available to legal entities and individuals. Registration in service RBK Money is free.

To enter the system, as well as view the balance and other data on the account, you must enter the login password. When making payment transactions in RBK Money, transferring and exchanging Money, the system will require you to enter the so-called RBK Money payment password. This is for added security.

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Wallet types

After registration, the standard RBK Money account becomes active, of course, which has certain limitations. You can improve the RBC Money electronic account to an extended one by confirming the owner's personal data.

Owners of improved wallets have the following benefits:

monthly limit of 300,000 rubles;
commission for transfers 0.3%;
withdrawal of monetary assets in the amount of up to 300,000 rubles;
exchange for electronic money 100,000 rubles. per month.

You can confirm your personal data by submitting a completed application of the established form (certified by a notary and sent by mail). You can also come with a passport to the Contact transfer point and send 50 r. to your account.

Replenishment of the account in RBK Money

Money can be deposited into the wallet in the following ways:

using Internet banking;
putting money in the payment terminal;
Bank transaction;
in Euroset stores;
money transfer;

Replenishment via Internet banking is instant, and no commission is charged. When paying or replenishing through Eleksnet, DeltaPay, Comepay, Rapida terminals, select the required provider and insert banknotes. The commission is 0%, crediting to the RBK Money account is instant. Crediting to the account by bank payment is made up to 3-5 working days, while 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 on the territory of Russia, no commission is charged when crediting 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, the 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 passport and an extended one in RBK Money. After that, you need to specify an account in RBK Money in the "Link account / card" menu. After merging, we make an exchange.

Exchanges are also actively used, for example, BestExchangers.ru. For more information about the exchange, see 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 need to write to technical support, which works around the clock. Having described the problem to the security service, RBK Money will protect you from fraudulent schemes. However, in practice, cases of debiting money from electronic accounts are often mentioned, and there are problems with withdrawing money.

Security is provided by two separate passwords, and control by IP address can also be entered. Payment procedures in RBK Money are applied using SSL cryptography with a 128 bit key. In addition to the above measures, there is protection against chargebacks (refunds) and fraud (for example, theft of card data on the Internet). At least that's what they tell us on the website.

Summing up

In conclusion, we note that the electronic payment system RBK Money has certain advantages, namely: replenishment without commission, instant payment, more than 250 thousand points for crediting 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 rather high tariffs, difficulties in work for residents of the CIS, and the absence of special programs to popularize the service. In 2016, the service is pursuing a policy of global changes, from design to the platform itself. This is for added security.

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.

You can find out which credit cards are offered by various banks and the conditions for them. 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

From individuals, as well as from legal entities, no fee is 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 pass identification in the first way, you need by registered mail send to the address of the company RBK Money “Application Form” with the signature of the client 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 a bank account individual(payment processing time 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 in the client's cabinet, when you can set specific address from which it will be possible to connect to the service.

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 different 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(V 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 it 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 online 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 an application and a copy of the passport certified by a notary by registered mail. 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, system money transfers or payment terminals, addressed 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 top up your wallet bank card Visa or MasterCard, 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.