High-tech service IntellectMoney has been operating in the electronic payments market since 2009. The payment platform offers users in real time to use a wide range of services that are focused on making payments, as well as providing discount programs.

The largest domestic financial institutions, service providers and service companies, which offer various discounts to the customers of the system, maintain partnership relations with the Intellect Money payment service.

The owner of the EPS is Intellect Money Limited Liability Company (Moscow).

The main vector of IntellectMoneys activities is aimed at making payments in the global network and providing customers with discounts received from partner companies. The principle of providing discounts operates in the “cashback” format. That is, the funds received from IntellectMoney partner companies are credited to the user on the account. The funds (Intellect money) accumulated through the discount can be used by the client in one of 3 ways:

withdraw to a bank account;
transfer to another user;
spend on purchases of goods and services.
The currency used by the system is Russian rubles.
EPS owns its own terminal network. Users can use various ways to replenish their account, withdraw money. All transactions take place without hidden fees, which speaks in favor of the electronic system. Business representatives (legal entities), as well as private users, can create an account in the system. The list of services provided by the IntellectMoney service includes various types of discount cards.

 

System capabilities

A user who has registered in the payment system can use the following options in his office:

deposit funds to an account issued by the other party;
take out money to your bank card;
transfer money to another user of the system;
make transfers between cards.
To pay an invoice issued by a store, operator or any provider, you need to go to the "List of invoices" tab, which indicates the number, amount and payment details. After confirmation of payment, the IntellectMoney service transfers money without charging a commission. Paying using an electronic payment service allows you to minimize the risk associated with online shopping. When paying, all information about the clients bank card is not available for the online store, in the good faith of which no one can be sure.

Withdraw funds

To withdraw money, the system offers to use two methods:

transfer funds to an account (bank);
transfer funds to the accounts of any bank card (linked to the system).
In both cases, the system commission is 20 rubles and 3.5% of the transaction amount. The withdrawal time is 5 days.

Sending money

To send money to any user of the service, select the tab of the same name. Restrictions on transfers:

per day - 60 thousand rubles;
within 30 days - 200 thousand rubles.

Payment security and user privacy

Today IntellectMoney service is one of the best companies in terms of information security. Data protection is a multi-level system that is designed to minimize any risks associated with conducting monetary transactions and maintaining user privacy.

To protect the companys servers, premises are used that are guarded around the clock. In addition, there is a round-the-clock video surveillance by the security service. The database has hardware and software protection against the actions of intruders. Information that is transmitted over closed data channels is encrypted using a certified SSL 3.0 / TLS 1.0 system. The security service provides round-the-clock monitoring of payment transactions, preventing any interference from the Internet that carries potential threats to the implementation of transactions.

In addition, Intellect money, as well as personal information of clients is protected due to the following advantages:

using a two-level password system. When entering the system, a password is entered to confirm the users identity. When making a transaction, a payment password is applied;
restricting access to your account. The client can close access to log into the account from certain IP addresses.
Tariffs in the system

IntellectMoney does not charge users any commission. The exception is the withdrawal of funds to a bank card or account. To replenish your account, you can use:

all types of bank cards;
terminal network;
electronic payment systems;
post offices;
using internet banking;
Bank transaction.
Representatives of online stores pay a commission depending on the turnover of funds. With a cash turnover of more than 80 million rubles, the tariff is selected individually.

With a turnover of 60 million rubles, the IntellectMoney service provides the following tariffs:

payment by bank cards - 2.4%;
by other means - 2.7%.
... From 30 million rubles:

bank cards - 2.5%;
by other means - 2.8%.
From 10 million rubles:

bank cards - 2.6%;
by other means - 3%.
From 5 million rubles:

bank cards - 2.7%;
by other means - 3.2%.
From 1.5 million rubles:

bank cards - 2.8%;
by other means - 3.3%.
From 750 thousand rubles:

bank cards - 3.1%;
by other means - 3.4%.
"Starting":

bank cards - 3.5%;
by other means - 3.5%.
In addition, interest rates differ in each tariff plan depending on the type of service. The IntellectMoney system offers minimum tariffs for housing services. The system does not charge a subscription fee. In all tariff plans, the commission for housing and communal services is from 1.2% to 1.5%.

To connect to the system, owners of online stores should create an account on the official portal of the IntellectMoney service, after which the employees will check all the information and send a corresponding notification by e-mail. If the trading object meets all the requirements of the payment system, additional information about the connection is sent to the email box. The connection process is technically a simple procedure that takes several hours.

IntellectMoney discount programs

By using the payment service provided that they pay for purchases and services from companies that are IntellectMoney partners, customers receive discounts. Discounts are provided in the form of funds that remain in the clients account and can be used in various ways. The payment service issues one-time discount cards to attract customers. Also, within the framework of the program, standard and extended cards are issued, allowing you to receive significant discounts.

IntellectMoney currently offers standard cards that can be used to get discounts at more than 700 companies and stores. One of the options for participating in the program is to use a virtual card that can be printed on a printer and sent to the store to receive a discount.

As of 2016, the company is developing a "Golden Card", which will allow the user to get advanced features. By receiving money on Intellect account, the client will be able to use the card not only to receive discounts, but also to use it to pay for transport services

The IntellectMoney EPS discount program is focused not only on consumers of services, but also on strengthening the brand of companies. By working together with a universal payment service, business representatives can count on the following benefits:

increasing the number of interested consumers;
sales growth;
an increase in the number of consumers returning to the companys website to use the funds received as part of the discount;
providing partners with statistical information. This includes the interests of buyers, interest in the product and portraits of potential customers;
additional brand advertising. Store or company data will be presented on maps, IntellectMoney official website, forums.

IntellectMoney for iPhone

You can use all the advantages of an electronic service with a mobile application designed specifically for people who value time. You can create an account in the IntellectMoney payment and discount system directly from your mobile device, which offers the following advantages:

payment for various services;
execution of transactions;
activation of banking products;
the ability to use Intellect money for purchases;
the opportunity to receive up-to-date information about discounts 24 a day;
save transaction and purchase data in the users personal account.
The mobile app is available on the AppStore.