The Moneta.Ru service provides money transfers between users, and also positions itself as a billing platform for online trading.

Among the payment systems operating on the territory of the Russian Federation, Moneta.ru is one of the youngest: registration of the PS took place in 2005. Despite a relatively short period of activity, the company is not just a service for online payment, but a powerful tool integrated into a common electronic payment system.

 

Security system PS Moneta.ru

The service offers powerful protection against fraudulent activities, namely:

the use of two passwords, one of which is required to enter the Moneta.Ru service, and the second is required during transactions;
application of user certificates to gain access to the account;
the user specifying the range of IP addresses intended for logging into the account;
the use of innovative methods of information encryption;
obligatory data recording every time a client logs on to the system, conducts transactions, changes the control system settings;
use of modern software;
operation of reliable equipment and servers, which are located in the best companies;
constant monitoring of the functioning of the system and prompt troubleshooting of any complexity.

System monetary units

Service users at the registration stage have the opportunity to use one of three currencies:

EUR
USD
RUB
By default, rubles are set. In the future, the currency of Moneta.Ru can be changed. Also, the payment system offers to use the internal exchange service without leaving the official website.

 

Registration and verification

The creation of an account in the system takes place in two stages. At the first stage, registration is traditional and involves the introduction of a mailbox, a password and a question intended for data recovery. EPS automatically generates a digital password for transactions, which consists of five characters. You can also change your billing password, which allows you to increase the number of characters (numbers).

One of the possibilities provided by the Moneta.Ru service is to specify one IP. You can then change the security settings for those users who have a non-persistent (dynamic) IP. Note: you need to change the address mask without logging out of your account, otherwise the client will not be able to log in again after changing the IP.

Each client in the system is assigned a specific number. After specifying all the data and accepting the agreement, a confirmation of the account by e-mail is required, to which the payment password is sent. After that, the user has the opportunity to use the functionality of the system. Before entering personal information and checking it by Moneta.Ru employees, the client has the status of an incognito - private user and can use only part of the EPS capabilities, for example, transfer funds or make purchases. At the same time, there are a number of restrictions for a private client, which include:

limitation of amounts for money transfers;
inability to deposit money from a credit card;
withdrawal restrictions.
To eliminate the above shortcomings, it is required to obtain a personalized status, which also simplifies the work associated with restoring access to an account in case of loss of passwords. Verification provides for the indication of personal information and its documentary confirmation. To do this, in the corresponding section of the official website Moneta.Ru you need to upload your passport (scan).

Interfaces for shops and other projects

The system offers three types of services that can be used by a business:

Assistant
MerchantAPI
Provider web service.
The Assistant Internet service allows a business to ensure interaction of the PayAnyWay payment aggregator with the accounting system of a site (store) that provides services or provides sales.

The principle of operation of the interface is that the site asks for permission to conduct a transaction, and after confirming the positive decision of the buyer, the Moneta.Ru service forms an account. In this case, the application creates a report in the database that includes all available information about the transaction and the customer. The report is generated by the PayAnyWay payment gateway, which also provides information to the store buyer about the successful completion of a financial transaction.

 

MONETA.MerchantAPI

The interface is designed according to the WSDL principle and provides data transfer over the secure SOAP protocol. All financial transactions that are carried out between a client and a business representative take place directly on the website owners portal. After registering a client on the site and sending a corresponding request for financial transactions, the MONETA.MerchantAPI service receives information, processes it and provides the result. A number of functions can be performed using a web service:

transfer funds from the customers account of the store to the account of the user of the Moneta.Ru system;
transfer funds from the users account of the Moneta.Ru system to the account of a store visitor;
receive user data;
create a database of store customers using a filter system.
The system also allows you to connect special handlers that are selected taking into account the store software, client requirements and business specifications.

 

Security of financial transactions

To reduce the risk of financial transactions, the electronic payment service Moneta.Ru offers two methods. The first is to use a payment password. The password can be used by private users of the service, as well as by business representatives.

The second option is the most acceptable for business, since it provides for a temporary blocking of funds. For this, a protection code is used. When making a payment in favor of the store owner, money is credited to his account from the buyer instantly, but their use is impossible until the client confirms the transfer with a protection code. If there is no confirmation, the funds are returned to the senders account. It is also possible to use temporary restrictions on the use of funds. At the same time, time protection does not provide for the return of funds to the client.

Tariffs for monetary transactions

Operations with VISA and MasterCard cards allow you to replenish your Moneta.Ru electronic wallet account with a 1.9% commission. Funds are credited to the account within one minute. Withdrawals take 3 days and involve a 2% commission fee. The minimum withdrawal amount is 60 rubles.

Commission for account replenishment through the following services:

QIWI - no top-up is provided;
Yandex.Money - 4.5%
"Eleksnet" - absent;
PSKB - absent;
branch "Messenger" - absent;
branch "Euroset" - 2%.
Commission for withdrawal through services:

QIWI - 2%;
Yandex.Money - 2.5%
"Eleksnet" - withdrawal is not provided;
PSKB - withdrawal is not provided.
Most terminals and payment offices do not charge a commission for replenishing an electronic account of Moneta.Ru. When replenishing an account via Internet banking, the commission rate varies from 0% to 3%.

Restrictions on transactions and cash account balance

Users who maintain confidentiality cannot transfer more than 15 thousand rubles as a one-time payment. The same amount is the maximum possible storage on the users electronic account. Within one month, confidential users cannot make money transfers, the amount of which exceeds 40 thousand rubles.

EPS clients who have indicated personal information, but have not documented it in the form of downloaded passport scans, can transfer no more than 15 thousand rubles. Within 30 days, the money transfer limit was increased to 200 thousand rubles. Moreover, for users who have undergone partial identification, the Moneta.Ru service increases the amount of funds that can be stored in a cash account up to 60 thousand rubles.

Users who have uploaded scans of documents and are among the identified can perform one-time transactions in the amount of up to 100 thousand rubles. The number of payments and the amount within 30 months is not limited. On the electronic account of the payment platform, it is allowed to store funds in the amount of up to 600 thousand rubles.

Payment service Moneta.Ru has a number of advantages:

ease of use;
the ability to monitor all transactions;
a wide range of ways to deposit and withdraw money;
instant transfer of funds between users and through the terminals of the system;
no commission for transfers between personalized clients;
no commission for purchases and payments for the services of most companies;
modern solutions for private users and business;
high level of security;
the ability to administer the account and transfer the corresponding powers to authorized persons.

Information for system clients

Contact phone number: +7 495 7434985

Official website: https://www.moneta.ru

Email: [email protected], [email protected].