Freelancers use many electronic payment systems, and everyone chooses the most convenient for themselves. Practice shows that such giants as WebMoney and Yandex.Money are most trusted.

But in the financial market there are no less interesting players, albeit not so 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 online, 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 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.

It is a platform for making money transfers different ways, including using Visa and MasterCard, mobile transfers. You can withdraw money to a card or pay in stores, pay public Utilities, recharge 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.

Everything payments in this electronic system irrevocable... This is done in order to protect against fraudsters who can withdraw payment after receiving the goods.

Almost all payments in the system are commission-free. You will only pay 2.95% for instant withdrawals(v normal mode money is credited to the card within 24 hours).

The system offers cooperation to both online stores and offline stores. Entrepreneurs have the ability to accept payments on the Internet, including using credit cards. The commission is taken only for payment processing and is 3.9%.

Provided payment tracking system... Each operation is assigned a unique number, which can be used to check the status of the payment through the service. Also, you immediately receive a report-notification about the passage of the payment.

RBK Money system provides all the necessary accounting documents, which makes it easier for legal entities to cooperate with it.

Each registered user of the system can open for free debit card RBK Money... 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. For this you can send by registered mail application and a copy of the passport certified by a notary. The second option is identification through the CONTACT system.

As a result, you will receive a wallet from which, in addition to paying in online stores, you can pay for purchases through the systems cellular, a money transfer system or payment terminals to a foreign organization, a Russian non-profit organization; the maximum amount of replenishment and transfers increases to 100,000 rubles per day. If an unidentified wallet does not make it possible to withdraw funds, then with an identified wallet you can withdraw up to 100,000 rubles.

Payment methods and wallet replenishment

RBK Money system provides an opportunity to pay for purchases and replenish an account in the network in several ways:

You can pay the bill or replenish the wallet with a Visa or MasterCard bank card, and activated or not activated. The maximum number of payments per day is 6.

Through the CONTACT money transfer system (no commission);

Through salons of communication Euroset;

At 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 in the Russian Federation;

Through payment terminals, no commission.

RBK Money is a Russian payment system that is gaining popularity. Entrepreneurs with both Internet and offline stores should pay attention to it, since the system offers flexible and convenient conditions for cooperation and integration.

Let's consider the features of RBK Money (the nature of working with it practically does not differ from working with the Rupay wallet), and also compare the tariffs and the range of services provided by the Rupay system in the old version and in its new guise - RBK Money.

The monetary unit operated by RBK Money is equivalent to the Russian ruble. Accordingly, you can replenish your account and withdraw money only to ruble bank accounts and plastic cards.

Registration in the RBK Money system

Registration in the RBK Money system is free. In order to register in the system and receive an electronic wallet, you need to indicate in the registration form only your real surname, first name and patronymic (in Cyrillic) and e-mail, as well as come up with a password to enter the system. I advise you to approach the issue of choosing an e-mail with responsibility, since this will be your login in the system. In addition, at the first step of registration, you must indicate your date of birth - you may need this information if you lose (hack, lose) your password to recover it.

The second step to keep your wallet secure is Secret Question... You will need to come up with this question and the answer to it and, of course, remember the answer. This data can also be useful to you in case you need to recover a lost password.

There are two types of wallets in the system - Standard and Advanced(analogues of uncertified and certified Rupay accounts). In order to raise the level of the wallet to the extended one, you need to provide the system with your passport data.

What are the advantages of having an Advanced wallet over a Standard wallet?

• increase in the monthly limit for transfers to other users of the system from 100,000 rubles. up to RUB 300,000;
• increasing the limit for replenishing a wallet with a bank card (of any bank) from 1000 to 3000 rubles. per day (5,000 and 15,000 rubles per month, respectively);
• exchange for other electronic currencies (maximum RUB 100,000 per month).

Previously, users of Standard wallets, in addition, were 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 via a mobile phone. To do this, you need to download from the site and install special application RBK Money Mobile. The mobile application is tied 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, there was a commission in the system 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 Extended wallets (but not less than RUB 1). Now all transfers between RBK Money wallets are free.

RBK Money charges a commission for withdrawing money from the wallet (return of unused funds). (See below).

RBK Money wallet replenishment methods and agent tariffs

The number of ways to replenish the RBK Money wallet is constantly replenished. In addition, RBK Money appears to be in active negotiations with agents to reduce tariffs. In any case, almost every month on the website of the system, they happily report on the reduction of one or another tariff or even completely canceling the commission of any method of replenishing the wallet. Judge for yourself by the table below - on this moment the following methods of entering money into the system are available:

* Please note that not any plastic card is suitable for replenishing your RBK Money wallet. These can only be cards of VISA and MasterCard systems, moreover, Visa Classic, MasterCard Standard and higher (you cannot replenish your wallet with Visa Electron / MasterCard Maestro). Funds entered 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

Frequent question: What information must be provided during bank transfer to deposit funds to RBK Money e-wallet? The answer is as follows. When you want to fund your account by bank transfer, you need to go to your account(Personal account) and go to the "Add funds" tab. There you will enter the details of your bank and receive the system details for replenishing the wallet.

Methods for withdrawing funds from RBK Money wallet
and system tariffs for the return of unused funds

bIn addition to the well-known payment systems Webmoney and Yandex Money, there is another rather 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 why this system is so attracted to Russian-speaking users.

RBK Money advantages

1. Convenient and ergonomic interface with a structure that is understandable 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 functions... Unlike some other payment systems, RBK Money does not force users to install a client application - everything you need is already in the browser.
2. A huge number of ways to replenish. Bank payments, card payments, postal transfers, through a specialized terminal, SMS-message with mobile phone etc.
3. Versatility. With RBK Money, you can pay for purchases on the Internet, utilities, traffic fines, make transfers to accounts in other payment systems. Online store owners will surely like the automatic payment acceptance service.
4. Low commissions for internal transactions - 0.5% for standard wallets and 0.3% for extended ones. To get advanced features, you need to confirm your personal information by sending a copy of your passport.
5. Advanced means of protecting personal data and funds stored in the account. All operations are carried out using a secure SSL protocol, which excludes unauthorized interference and theft.
6. Additional services, such as your own plastic Visa card (can be used only in Russia) and mobile app that supports all the necessary functionality present in the standard interface.
7. High speed and quality of work 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.
8. "100% Guarantee" program. Even if you become a victim of fraudsters, RBK Money will fully reimburse you for 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.
9. Discounts when paying for goods in partner stores and companies friendly to the payment system, and quite substantial - 5, 10 and even 30%. If at this time partners conduct other promotions, each discount is calculated separately.
10. The opportunity to earn money on affiliate program... You will be able to receive 0.5% of the amount by which the referral was replenished (the person who registered with 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, negative sides she also has and, unfortunately, there are not much less of them than positive qualities.

Disadvantages of RBK Money

1. As a unit of account, the RBK Money system uses only one currency - the Russian ruble, which makes the use of this payment system by persons not residing in the Russian Federation practically impractical.
2. 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 exchange with other EPS.
3. 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.
4. Problems often arise with the passage of payments and the overall stability of the system.
5. Unidentified (without confirmation of passport data) wallets are not only subject to higher commissions, but are also subject to the 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 convenient 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 clients are proof of this.

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

Hike everything, there is no more payment system. I faced the loss of 12,000 rubles for personal account and a bit more at the broker.
I ordered a profit withdrawal first, the amount is not large, it's a shame to call it, but they blocked the withdrawal and the money hung, the broker says there is a technical failure at the payment system - I run there, and there is nothing, I do not enter 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 it is even more offensive when they disappear with your money.
If someone tells me a way to withdraw the money left on the wallet, I will be grateful.
Advisers for contacting support, please do not write, there are about thirty of my letters and messages already.

Mistress

I watch botals with payment cards and partner companies and I understand that I will not get my money back, so many claims to the company.

Mistress

I wanted to read the 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!

Among the most frequently used payment services in Russia, RBKMoney can be mentioned - a progressive online platform that allows you to make fast money transfers. Among the services - transfers to debit and, Internet payments, mobile payments. In addition, RBC's network includes thousands of terminals and subdivisions 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 RBC will offer a new participant 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 named RUpay. In 2008, the product became a full-fledged 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 its users extensive functionality. Opportunities include fast money transfers, payment for goods in online stores, online payments for utility bills, and mobile communication... In addition, the owners of the RBC wallet can freely withdraw funds from it to bank cards.

RBK Money wallet

Registration of a personal electronic wallet on the RBK-money platform opens up even more opportunities for its owner. Among the main advantages of the RBKMoney wallet are the ability to pay for purchases online without overpayments, interest-free replenishment, as well as free withdrawal of the money balance to a card or bank account. Registration is also free and takes a minimum of time. Owners of wallet accounts in the RBC system have access to qualified technical support services operating 24/7.

RBK Money payment

One of the main functions of the payment platform, which is used by tens and hundreds of thousands of users every day, 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 fees and commissions: when performing a trade operation, only selected goods or services are paid for, the system commission is 0%. In the event that after the settlements there is money left on the RBC account, it can always be withdrawn to a bank card.

RBK Money Card

Each user of the RBC system has the opportunity to issue a personal plastic card of the international payment system Visa. RBKMoney card allows you to instantly withdraw funds without commissions - for all financial transactions linked to your personal wallet. At the same time, all other operations are carried out with a minimum commission, which in in this case will be much lower than in the case of other credit and banks. Cardholders can freely transfer funds between their own wallet and card at any convenient time.

RBK Money commission

In turn, the size of the RBKMoney commission depends on the type of service and the tariff plan chosen by the user. In particular, within the "Basic" tariff plan money transfers individuals are carried out without additional commissions, when transfers are credited in favor of the client, 3.9% of the total payment amount is charged. Commission costs are also not subject to the withdrawal of money from the wallet to a bank account / plastic card and return of money to the sender of the transfer (payer). With a complete list of tariffs applicable under various tariff plans, you can get acquainted on the official website of the service.