Payment system RBK Money appeared after changing the name of Rupay as a result of its purchase by the media holding RBC Information Systems” in 2008. The credit institution LLC NPO EPS becomes the new owner in 2012. It operates throughout Russia. The year 2016 is declared the year of the reboot, a global rebranding. During the existence of RBK Money, there were both negative reviews and facts of fraud, and now the team is going to improve the position of the payment platform.
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 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 the RBK Money service 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 funds, 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
You can deposit money into your 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 replenish the 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 must write to technical support which operates 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.
As of August 2018, RBK Money allows you to make transfers using Visa, MasterCard, American Express and Mir bank cards, 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. With a cash acceptance network, the total number of reception points exceeds 260,000 and covers the entire territory 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. Following are 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.
History
2018
Resilience to loads, flexible architecture and scalability
On September 13, 2018, it became known that the RBK.money service switched to an updated technological 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.
All popular payment acceptance tools are available to RBK.money clients: 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 language shell for processing payments in Erlang - the language of telephone switches, invented by Ericsson, has a completely open API.
| When creating this platform, we were inspired by the document "Dynamo: Amazon's Highly Available Key-value Store", written by Amazon employees, well-known in technical circles. According to him, “customers should be able to add items to their shopping cart even if hard drives have failed, network infrastructure is down, and data centers have been destroyed by tornadoes. We created a payment platform on the same principle. The architecture of the platform is thought out 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 who evaluated 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 in demand and popular, representatives of the companies are sure.
The common interests of RBK.money and Svyaznoy in the c2c segment determined their partnership in order 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 the systems mobile payments Apple Pay, Google Pay and Samsung Pay. In order for the payer to display the payment method corresponding to his device, the recipient - the client of RBK.money - does not need to additional settings, the system will connect automatically.
Apple Pay, Google Pay, and Samsung Pay allow you to mobile devices one touch to pay for purchases on the Internet and in regular stores. The listed systems do not store the user's bank card data on their own or on the phone. They use virtual number, which increases the security of this type of payment, explained in RBK.money. To make a payment, the owner of the device needs to enter a PIN code or confirm his consent by 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 with bank cards, electronic money and wallets, Internet banking, payment terminals, and other payment tools.
As of August 31, 2018, the share of payments in the RBK.money system using payment solutions from Apple and Google reached 3%. At the same time, the growth of this share over the past month amounted to 34%, noted in RBK.money.
PCI DSS 3.2 Compliance Validation
On August 6, 2018, the RBK.money payment service confirmed compliance with the PCI DSS (Payment Card Industry Data Security Standard) Level 1 version 3.2 payment card data security standard. 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.
The audit for compliance of the payment service RBK.money with the 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 tools, administration and business processes in organizations involved in the processing of cards of major international payment systems (Visa, MasterCard, American Express, Discover and JCB). The RBK.money service passed all checks according to the on-site audit procedure. The technologies implemented in the system and approved processes ensure a high degree of protection of cardholder data. |
One of major changes PCI DSS 3.2 addresses the implementation of a compliance program that must ensure that the requirements of the standard are consistently maintained by all parts of the organization that work with cardholder data. Also, from July 1, 2018, the use of insecure protocols (SSL and TLSv1.0) is not allowed when transferring card data to open networks, including between the user's browser and the service provider's payment page. This should minimize the possibility of attacks to compromise payment data through the fault of cardholders using outdated browsers and unsupported devices.
Transition to an updated technology platform
At the same time, in a letter to the FSB, in which Sergei Mayzus asks law enforcement officers to pay attention to the situation (a copy is at the disposal of Lenta.ru), it is stated that at the end of 2012, RBC Money LLC became completely insolvent.
Representatives of Mayzus Property Management accuse the management of the payment system of fraud. After “in 2011-2012, RBC Money LLC fraudulently embezzled money from RBK Money clients in the amount of more than 150 million rubles, RBC PJSC transferred the promoted payment system and all liquid assets to its subsidiary, NPO EPS LLC - leaving a large debt on the deprived of business and deliberately bankrupt RBC Money LLC, ”the director of Mayzus Property Management Sergey Mayzus said in a complaint about the inaction of law enforcement agencies dated October 29, 2019 addressed to President Vladimir Putin (available to the editors, a copy of the letter sent to the FSB, the Ministry of Internal Affairs and State Duma deputy Alexander Khinshtein).
That is, from a legal point of view, the payment system currently has nothing to do with RBC Money LLC. It is controlled by NPO EPS.
“RBC Money LLC transferred more than 23 million rubles to the accounts of NKO EPS LLC free of charge, transferred the RBK Money trademark, rbkmoney.ru domain to offshore companies, software, without payment, assigned to a Cypriot company the right to claim a debt in the amount of 18 million rubles from RBC PJSC, and also alienated other receivables in the amount of more than 275 million rubles without receiving any funds to the accounts of RBC Money LLC, - this is already mentioned in the complaint to the Investigative Committee of Russia and the Control Department of the President of Russia.
The businessman is sure that since 2009, the management of RBC and its subsidiary RBC Money LLC have created a scheme for tax evasion, legalization (laundering) of money obtained by criminal means, as well as illegal withdrawal of currency abroad. According to expert opinions dated October 30, 2019, the real market value of the trademark and domain alone in 2012 was 199.5 million rubles, while the domain was sold in 2013 to the British company RBK Money Limited for only 4.9 thousand rubles, and the trademark departed the Cypriot RBK Money Holdings Limited for 2.3 million rubles. A detailed analysis of the company's financial statements shows that by 2011 the total debt on the company's obligations amounted to more than 650 million rubles.
Sergey Baryshnikov, the former CEO of RBC Money, according to a source from Lenta.ru, explained the debt to Insta Dealing LLC as follows:
NPO "EPS", having received a promoted payment system, also had to take on the debts of RBK Money. Although Denis Burlakov spoke about this, nothing of the kind happened. Representatives of RBK Money have been communicating with the injured party for three years, promising to return all funds. In particular, Kirill Burlakov, Chairman of the Board of the NPO EPS, in his letter to Sergey Mayzus dated April 13, 2014 (a copy is at the disposal of Lenta.ru) promised to pay off the entire amount of the debt by the end of January 2015. But out of 141.9 million rubles, RBC Money paid only a small part to MAYZUS Property Management: first 13.2 million, and in October 2014 - 4 million rubles. In 2015, when the limitation period in the Mayzus Property Management case expired, RBC Money LLC entered the stage of bankruptcy, and all assets were transferred to NPO EPS, an affiliated company.
In August 2018, representatives of the payment system told TAdviser that Mayzus's statements about "the intention to bankrupt the RBK Money payment system" and "to satisfy claims in the summer of 2016" are not true. Mayzus has never been a customer/merchant of the RBK Money payment system and has no other commercial or financial relationship with the 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 Russian legal entity has nothing to do with the RBK Money payment system and has never been part of the RBK Money group of companies headed by the Cypriot holding company RBK Money Holdings Limited.The RBK Money payment system (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 a rebranding, change of leadership and technology platform.
The service changes the logo and design of the site and moves to a new technological platform. Management also changed at RBK Money: a member of the board of directors and the owner of 10% of the company Denis Burlakov, who replaced Andrei Morozov in this position, became the CEO. Denis Burlakov's brother, Kirill Burlakov (also owns 10% of the company), took the position of Chairman of the Board instead of Denis Burlakov.
"We are planning to launch a new technological product, a change in the company's strategy is an integral part of its reboot," RBK Money stressed.
2015: Delays with payment of funds to clients
In 2015, RBK Money experienced delays in disbursing funds to customers, which the company attributed to "falling oil prices and other economic shocks." The representative of the payment system, in particular, confirmed to vc.ru that RBK Money had to increase the time for withdrawing funds "due to the unstable situation on the market and the bankruptcy of some partners."
2014: Managers redeemed the company from RBC for 18 million rubles ($0.5 million)
Later it was reported that RBC sold the company at a loss for itself, while the company retained the old brand, RBC decided not to challenge the use of its trademark.
2013: Audit according to the PCI DSS standard
The RBK Money payment service received another certificate confirming the required level of compliance with established security standards for the storage, processing and transmission of payment card holders' data.
The RBK Money certificate was issued based on the results of an audit conducted for compliance with the requirements of the PCI DSS (Payment Card Industry Data Security Standard) standard. The requirements of the International Payment Systems (IPS) for payment services are distinguished by strict checks.
Both Visa and MasterCard classify systems that process, store or transmit data on more than 6 million transactions per year as Level 1 and must be audited annually.
2012
Turnover at the end of the year 15 billion rubles on 12 million transactions
The turnover of the payment service in 2012 amounted to 15 billion rubles, the number of transactions for the reporting period reached 12 million. Meanwhile, the number of registered users grew to 3 million people, and the number of online stores accepting payments through RBK Money reached 30 thousand Thus, in total for 2010-2012 the company grew 10 times in terms of key indicators.
The company employs 150 people and serves 25,000 electronic stores around the world. 3 million people are registered in the system. You can pay for goods through the RBK Money payment system using more than 200 various ways. In Russia, the company works with operators of plastic Visa cards and MasterCard - up to 75% of payments are made using bank cards. The RBK Money payment service can be integrated into the interface of any online store - the client usually does not even know that he is paying for purchases through RBK Money, since registration is not mandatory, and the payment system interface can be fully integrated into the store's website.
In addition to servicing online stores, RBK Money develops other types of services. One of the projects launched in the past year is the RBK Offers bonus system.
The service offers customers who paid for the goods in the store through the payment system, to receive an additional bonus - a discount on the purchase of related products in partner stores. A visitor to the store can choose the offer he likes and immediately receive a promotional code for the appropriate discount.
One more additional service- web-based travel preparation system RBK Travel. It allows the visitor to build his own tour by choosing the flight route, hotel and transfer to it, arranging them from the offers of different companies. The system generates several travel options, of which the visitor chooses the most convenient one.
The RBK Card project offers stores a compact reader for accepting money from plastic cards using a phone or tablet computer. The device plugs into a standard mobile headset jack and requires a dedicated app for Windows, Mac OS, iOS, or Android platforms.
And the reader itself, and 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 bank card payments, this increases the average check size by 30%.
Another project of the company should be the gaming portal RBK Games. It is planned to bring to Russia foreign manufacturers of online games free for players. The company has already developed a portal for organizing games with its own game currency and published an API for game developers.
Implemented including integration with popular in Russia social networks VKontakte, Odnoklassniki, My World and Facebook in terms of visitor authentication. 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, believes promising direction digital distribution - distribution of codes for online games and other content on the Internet.
RBC BoD approved the sale of RBK Money for $8 million, but the deal did not go through
At the end of August 2012, the Board of Directors of RBC approved the sale of 74% of the RBK Money payment system (that is, the entire share owned by RBC) to the Cypriot 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 the general director of RBC Money Andrei Morozov, who owned the remaining 26% of the company before the transaction.
RBC CEO Sergei Lavrukhin told the publication that RBC "will continue to cooperate with RBK Money." In addition, after the recognition of RBK Money as a non-core asset and information about the upcoming sale that has spread throughout the market, RBC launched the RBC Travel service (search for air tickets and hotels) on its platform.
RBC Roem.ru said that the RBK Money brand has been certain period will remain with Trigale Investments limited. RBC Travel is a project of RBK Money and passed to a new owner as part of a completed transaction.
As RBK Money representatives later told TAdviser, the Cypriot holding company Trigale Investment Limited, controlled by RosBusinessConsulting OJSC, 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 in the Central Bank
The RBK Money company announced in the summer of 2012 that NPO Electronic Payment System (NPO EPS LLC) was included in the State Registration Book of Credit Organizations of the Central Bank of the Russian Federation under the 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 electronic money systems from the end of 2012 to work 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, increase the reliability of the system for both users and partners.
2011
Growth 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 monthly growth of the company's income averaged 20%; RBK Money was the first among electronic payment systems to cancel all commissions for users; the number of system users exceeded 2,500,000 people.
- Turnover on acceptance of 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 made in the system increased by 5.8 times;
- The list of online stores connected to the system from Russia and foreign countries increased by 4,039 (from 20,304 to 24,343 stores);
- Commission for system users on 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 payment methods, replenishment of funds and money transfers around the world became available to users of the system;
- RBK Money mobile application for iPhone has appeared.
Sberbank is considering buying a service from RBC
RBK Money confirmed in December 2011 that Sberbank is showing interest in the electronic money operator. A source in Onexim said that a 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 agree with Sberbank and sell the company, or they develop this resource on their own."
According to experts, in 2010 the volume of e-wallets replenishment in Russia increased by 75% and amounted to about 70 billion rubles. Experts predict that 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. According to the forecasts of Mikhail Mamuta, president of the National Partnership of Microfinance Market Participants, their number will grow by 70-80%. The main players in the market are "QIWI Wallet", WebMoney, "Yandex.Money" and companies associated with mobile commerce (control over 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 the commissions paid by users in 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 institution, having received the appropriate license from the Bank of Russia. It will be difficult for a small e-money operator like RBK Money to service its own credit institution, Mamuta notes: “I think selling to a strategist for RBK Money is a reasonable policy.”
Today, banks consider such an asset not in terms of the cost of the product itself, but as an entry ticket to the electronic money market. The competitiveness of an operator controlled by a large bank will depend on how its owner develops the project in the future. “It will be difficult to attract clients of today's leaders - Yandex.Money, WebMoney. Given the potential for market growth, one should bet on new users, building the right development strategy,” Mamuta believes.
The RBK Money payment system is a good assistant for managing finances in Runet, interesting for both business and personal use. It is convenient for an entrepreneur to receive transfers from partners, to accept payment for goods or services. Individuals - make purchases in online and offline stores, pay utility bills, top up mobile.
EPS has been officially registered since 2008. In fact, it has existed since 2002, being previously known under the RUpay brand. For all its versatility and functionality, the program has a simple interface. It is quite capable of competing with such whales as WebMoney or Yandex Money.
Tariffs and commissions
RBC Money is attractive due to the absence of commissions for many transactions. Individuals can use the following services free of charge:
- Transfer (within one PS) money to the card.
- Pay in online stores cooperating with PS.
- Receive statements, track payment history.
- Design and use "plastic".
- Download smartphone version.
Note: If no payments were made by card for more than 60 days, the commission is charged. It is 300 rubles per month (tax is not taken).
In fact, for individuals, the tariff exists only for an urgent transfer of money to another card or bank account. It is 2.95% of the transferred amount. You can transfer funds from the card to another bank free of charge within 5 working days. Authenticated users can use this feature.
For entrepreneurs, only transfers in their favor sent by individuals are paid (3.9% of each transfer). All other functions can be performed without commission and subscription fee:
- Connect your Internet resource and configure it to accept payments.
- Receive reports of cash receipts electronically.
- Cancel the transaction and return the money to the payer.
- Withdraw money to a bank card.
The site provides several tariff plans for business (“Do good”, “Travel”, “RBK Card”, “ZHKU”). They differ from the main option in the interest rate that is charged on receiving money from individuals or paying utilities(tariff "ZhKU"). There is also an individual plan, the terms of which are negotiated with each entrepreneur separately.
Download all fees and limits for 2017 at PDF format(44.0 KB).
Registration process
There is no need to pay to start an RBK Money wallet. The process is free and simple. To get started, register on the site. It's no more difficult than starting a new one. email box. In this case, only the full name and date of birth are requested (useful for password recovery). Login is Email.
Advice: It is better to enter reliable data right away. This will simplify the process of restoring access to the account and will not become an obstacle if you need a professional account.
There are two levels of registration in RBC Money: standard and advanced. The second opens the way to new possibilities:
- rubles are exchanged for other electronic currencies (limit - 100,000 rubles per month);
- the daily replenishment limit is increased (up to 3000);
- the monthly withdrawal limit is increased (up to 300,000 rubles).
For comparison: a standard wallet allows you to operate per month with an amount not exceeding 100,000 rubles, and replenished by 1000 per day.
An extended wallet will require passport details. Scanned copies of the document are uploaded to personal account, are checked by a moderator and, after approval, a professional account is available.
Step one
step two
System Security
Passport identification is good because it enhances security. There are reviews in Runet about the allegedly weak protection in RBC Money. The user has nothing to fear, the process of transferring and crediting funds is accompanied by multi-level protection.
For example, withdrawing money from an electronic wallet to a bank account is possible only if the full name of the account owner and the recipient match. When making any transaction, a separate password is created for a specific transaction. Without knowledge of the code combination, the fraudster will not be able to appropriate someone else's.
The programmers took care of SSL encryption with a key length of 128 bits for all settlement operations. According to experts, this is the last word in cybersecurity and, undoubtedly, one of the most effective measures today.
The client can take advantage of additional security measures:
- Enable in the settings the function of tracking the IP address from which operations are performed or an account is opened.
- Connect SMS-informing and confirmation of financial movement via mobile phone.
- Choose a secret question-answer to confirm initialization in case the password is lost. The answer should be easy, but carefully thought out, unpredictable for fraudulent social engineering.
- Connect the "payment password" option and come up with a combination that is different from the one that is entered when logging into your account. Such double protection will allow you to make transactions with the least likelihood of hacking or intercepting money.
You can enter your personal account from a mobile application (the program is downloaded for free from the official website). Before the session, a PIN code is entered. This prevents accidental access to the application by third parties.
conclusions
The RBK Money payment system can be trusted, despite the relatively short period of existence, the program has managed to prove its advantages: access from anywhere in the world, multi-level account protection, simple registration.
As for the ways to replenish the wallet and withdraw funds, there is almost the whole range options: through other EPS, to a bank account, by postal order, etc.
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 rbk payments can be made 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 of the Russian Federation, the 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 at his disposal.
Considering the development of various postal services and delivery services, it becomes possible to sell goods or services almost all over the world. But for the successful implementation of such projects, a convenient payment system is required, both for the buyer and the seller. Considering the developed network of services in the Russian Federation serving the financial transactions of RBK Money, you can open an online store without any problems.
Find out which credit cards offer various banks and conditions for them, you can. Where and how to apply for loans for any purpose via the Internet, read.
For a product or service on the store's website, payment through the rbk money service can be made even without the client having an electronic wallet, for this the client needs to know only his order number. The service of connecting the RBK Money service to the online store is free, takes only two working days, does not include any hidden commissions and payments. There are three tariff plans 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 limited financial resources 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”. After some time, the user's personal account will also change the status to “Identified”.
Raising the client status level 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 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 properties of entering the client's cabinet, when you can set a specific address from which it will be possible to connect to the service.
Consider the features of RBK Money (the nature of working with it practically does not differ from working with a Rupay wallet), and we will also compare the tariffs and range of services provided by the Rupay system in the old version and in its new guise - RBK Money.
The monetary unit operated by RBK Money is equivalent to the Russian ruble. Accordingly, you can replenish your account and withdraw money only to ruble bank accounts and plastic cards.
Registration in the RBK Money system
Registration in the RBK Money system is free. In order to register in the system and receive an electronic wallet, you only need to indicate your real surname, first name and patronymic (in Cyrillic) and e-mail in the registration form, 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 specify your date of birth - you may need this information if you lose (hack, lose) your password to recover it.
The second step to keep your wallet secure is a security question. You will need to come up with this question and the answer to it and, of course, remember the answer. This data can also be useful to you if you need to recover a lost password.
There are two types of wallets in the system - Standard and Extended(analogues of non-certified and certified Rupay accounts). In order to upgrade the wallet to the advanced level, you need to provide the system with your passport data.
What are the advantages of having an Advanced Wallet compared to a Standard Wallet?
- increase in the monthly limit for transfers to other users of the system from 100,000 rubles. up to 300,000 rubles;
- increasing the limit for replenishing the wallet with a bank card (of any bank) from 1000 to 3000 rubles. per day (5,000 and 15,000 rubles per month, respectively);
- exchange for other electronic currencies (maximum 100,000 rubles per month).
Previously, Standard Wallet users were also prohibited from withdrawing funds from the system, but in April 2011 this restriction was lifted.
The RBK Money system has the ability to work with an electronic wallet through mobile phone. To do this, you need to download from the site and install special application RBK Money Mobile. Mobile app linked to your electronic wallet in the system.
Deposit and withdrawal of funds. Tariffs in RBK Money
Tariffs in payment systems, as you know, are of three types: commission for payments within the system and commission for depositing and / or withdrawing funds.
Until May 17, 2011, the system had a commission for money transfers within the system. It was charged from the sender of the payment and amounted to 0.5% for holders of Standard wallets and 0.3% for holders of Extended wallets (but not less than 1 rub.). Now all transfers between RBK Money wallets are free.
RBK Money charges a fee for withdrawing money from a wallet (returning unused funds). (See below).
RBK Money wallet replenishment methods and agent rates
The number of ways to replenish the wallet in RBK Money is constantly replenished. In addition, it seems that RBK Money is constantly actively negotiating with agents about tariff reductions. In any case, almost every month on the website of the system they happily report about the reduction of one or another tariff or even the complete cancellation of the commission of any method of replenishing the wallet. Judge for yourself in the table below this moment The following methods of depositing money into the system are available:
Ways to replenish the wallet without commission |
||
| Agent | Commission | Terms of enrollment |
|---|---|---|
| VISA, MasterCard* | 0% | instantly |
| Through the terminals of the "Mail of Russia" and in the IS FKT "WinPost" | 0% | instantly |
| MTS communication salons and terminals of MobilElement salons. | 0% | instantly |
| Bank payment through the bank "Uralsib" | 0% | 1-2 working days |
| "CONTACT" money transfer system | 0% | up to 2 hours |
| Money transfer system "Leader" | 0% | instantly |
| Money transfer system "Zolotaya Korona" | ||
| Internet banking of Uralsib Bank (Moscow) | 0% | 1-2 working days |
| Payment terminals "AMEGA", "Eleksnet", "X-Plat", "Multi-Cashier", "Express-Payment", "SkySend", "Free Cashier", "Unikassa", "Pinpay express", " One system City Payments", "Quickpay", "Money-Money", Federal System "City", "Forward Mobile", CiberPay. | 0% | instantly |
Other ways to replenish the wallet |
||
Through ATMs from any international bank card |
||
| VTB 24 | instantly | |
| Masterbank | 1% (not less than 100 rubles) | instantly |
| Uraltransbank | 3% | In 2 hours |
| Rapida | from 2% | instantly |
Communication salons |
||
| Euroset | 2% | instantly |
Bank payment |
||
| VTB 24 | 4% (not less than 300 rubles, but not more than 3000 rubles) | instantly |
| Federal system "City" | 2,95% | instantly |
| Rapida | from 2% | instantly |
| OTP Bank | 3% | instantly |
| 3% | 1-2 working days | |
| PrivatBank | 2% (not less than 20 rubles) | 1-2 working days |
| Rus-Bank-Ural | 3% | 1-2 working days |
| Ural Bank for Reconstruction and Development | 2,9% | 20 minutes |
| Sotsgorbank | 3% | In 2 hours |
| Bank24.ru | 2,9% | instantly |
Replenishment via Internet banking |
||
| OCEAN Bank | 1% | instantly |
| VTB 24 | 1.5% (not less than 15 rubles) | instantly |
| OTP Bank | 1,5% | instantly |
| Handy Bank | 3% | instantly |
| Yekaterinburg Municipal Bank | 3% | 1-2 working days |
| UralTransBank | 3% | In 2 hours |
| Bank24.ru | 2,9% | instantly |
Through payment terminals |
||
| "Alt Telecom" | 3% | instantly |
| Comstar | up to 5% | instantly |
| "Single Settlement Center" | up to 5% | instantly |
| "MasterPort" | to 10% | instantly |
| "KET" | up to 5% | instantly |
| "Forward Mobile" | no more than 5%, taking into account the commission of the terminal | instantly |
| "Orange" | 7% | instantly |
| "Mobile City Payments" | 3,8% | 20 minutes |
| "Volgo-Kamsky Bank"/td> | no more than 5% | instantly |
| "Connected" | 3% | payment in 2 hours |
| "Siberian Payment Systems" | up to 5% | instantly |
| "Regionpay" | up to 5% | instantly |
| "Absolute Plat" | up to 5% | instantly |
| "Ugra-Express" | up to 5% | instantly |
| "Sibplat" | up to 5% | instantly |
| "regplat" | 1%** | instantly |
| RosExpress | 0,5% | instantly |
| e-port | 3%** | payment in 2 hours |
| "Sprintnet" | 3%** | payment in 2 hours |
| "E transfer" | 2%** | instantly |
| Savings bank GLOBAL | up to 5% | instantly |
| "Platimo" | up to 5% | instantly |
| "Instantly" | up to 5% | instantly |
| "NOVOPLAT" | 1%** | instantly |
| "Unikassa Irkutsk" | up to 7% | instantly |
| "Express Payment" | up to 5% | instantly |
| "Easy and convenient" | 5% | instantly |
| "Express Checkout" | up to 5% | instantly |
| "cash box" | up to 5% | instantly |
| Comepay | 1%** | enrollment in 24 hours |
Replenishment with RBK Money prepaid card |
||
| According to the tariffs of agents, including the cost of card delivery. | ||
Through money transfer systems |
||
| Unistream | 1% * -2%, but not less than 50 rubles. | instantly (working days) |
Postal transfer |
||
| Post office | 1.7% (excluding VAT), but not less than 25 rubles per transfer | 3-4 working days |
Electronic currency exchange |
||
| Through Yandex.Money | 4% | instantly |
| Through exchange offices | according to the tariffs of the exchange office | instantly |
| UCash voucher | 5% | instantly |
* Please note that not every plastic card is suitable for replenishing your wallet in RBK Money. These can only be cards of VISA and MasterCard systems, moreover, Visa Classic, MasterCard Standard and higher (you will not be able to replenish your wallet with Visa Electron / MasterCard Maestro). Funds deposited to the account from a bank card can only be used to make purchases in online stores, but cannot be transferred to other users of the system.
** Excluding terminal commission
FAQ: what information should be provided when making a bank transfer to deposit funds to the RBK Money e-wallet? The answer is this. When you want to fund your account by bank transfer, you need to go to your account (Personal Area) and go to the "Top up account" tab. There you will enter your bank details and receive system details for replenishing your wallet.
Ways to withdraw funds from the RBK Money wallet
and system rates for the return of unused funds
| System | Commission | Terms of enrollment |
|---|---|---|
| To RBK Money MasterCard | 2% | 3-5 working days |
| Postal transfer | 3%+(1.7%, but not less than 25 rubles, excluding VAT) | 2-3 working days |
| Without opening an account using the CONTACT system | 3,5% | 24 hours |
| To the bank account of an individual | 0% | 3-5 working days |
| On the bank card | 0% | 3-5 working days |
| To a wallet in Yandex.Money | 4% | instantly |
| Buying a UCash voucher | 0% | instantly |
| Exchange of electronic currencies (withdrawal to wallets of other electronic payment systems) through exchange offices | See the conditions on the websites of exchangers | |
