RBK Money payment platform announced itself in autumn 2002 under the name RUpay. The PS was formed in Ukraine by the joint efforts of specialists from different countries.

In 2008, the RUpay platform was acquired by the RBC IS concern, changing its name to the modern RBKM. 4 years later, the company NPO "EPS" appeared, which operates on the basis of license BR # 3509-K. The payment unit of the PS is the Russian ruble. The legal field of the companys activity is limited to the territory of the Russian Federation.

Today the RBK Money payment system allows making payments in different ways. Money transfers can be carried out through bank cards, subdivisions of the RBK company, terminals, points of reception of mobile payments.

Each client has the opportunity to create a wallet, the use of which will allow:

pay for purchases in the global network;
services of various services;
utility services;
withdraw money to bank cards.

Achievements of the company

The single payment system RBK Money as of July 2016 serves over 7 million customers. The number of online stores the company cooperates with exceeds 40 thousand. Moreover, their number is constantly increasing. Clients of the service have the opportunity to use more than 250 thousand terminals and offices throughout the country.

 

Payment service electronic wallets

The client has the opportunity to choose two types of wallets: identified and unidentified. When paying for goods in online stores, both types of e-wallets have no restrictions. An identified wallet allows payments to be made to foreign companies. The maximum payment is 100 thousand rubles. The restrictions on withdrawing money are 100 thousand rubles.

When using an unidentified type of wallet, the maximum amount for a transfer to residents of the Russian Federation is 15 thousand rubles, withdrawal of funds to bank cards is prohibited.

To receive money from legal entities, identification is required (identified wallet). Also, the RBK Money payment system sets the following restrictions on money transfers for owners of identified wallets:

the maximum amount of funds turnover (per day) is 10 million rubles;
maximum amount of replenishment from MasterCard and VISA cards (per day) 30 thousand rubles;
the maximum amount of replenishment of the wallet (per day) is 300 thousand rubles.

Identity identification

By mail

To establish the existence of a person, the company uses two methods, the first of which involves sending an application by the postal service. A sample application is presented on the official portal of the company, which must be downloaded to a PC, filled out, certified by a notary and sent to RBK Money. You can clarify the information by calling 8 800 200-88-20. Details of the identification procedure can be found on the official page in the section of the site of the same name.

 

Through the Contact system

The identification procedure is not carried out by all receiving points. Therefore, this nuance must be clarified in advance on the official website or by telephone. To complete the procedure, the client must provide the RBK employee with an identity card (passport) and an e-wallet number, which must be replenished in advance in the amount of 200 rubles. 50 rubles are credited to the clients account, and the remainder remains on the balance of the Contact system as payment for identification services.

After a short check of the provided data, as well as their full compliance with legal requirements, the status of the wallet in the users personal account changes to "identified". After that, RBK Money cards become available, as well as all the advantages of the identified wallet.

Simplified version of identified wallet

RBKM clients can get an identified wallet in a simplified way. According to the legislation, such a wallet can be used to transfer funds to foreign counterparties, for example, a casino. The identification procedure provides for filling out a special form on the official website of the payment service, which includes contact information and personal data of the user. This does not require documentary confirmation of the identity of the client.

 

Funding methods

Today the RBK Money system offers several main ways to replenish an electronic wallet in the network and in the traditional offline mode.

Replenishment using MasterCard and VISA. You can deposit money to your RBK account using a traditional card, as well as a virtual analogue. The number of top-ups in this way should not exceed more than six payments per day.
Bank transfer, payment for which requires Russian citizenship. The term for crediting funds is up to 5 days. The commission is charged in accordance with the banks tariff policy.
Russian Post. Through a postal order, the duration of receipt of funds is 3 days. If you have a terminal, money is received instantly.
Self-service terminals. To replenish the account, you must specify the wallet number (the letters "RU" are not entered). Some terminals do not provide transfers. There is no commission for replenishment.
Mobile offices Euroset, Svyaznoy and others allow you to replenish RBK Money cards instantly and without commission.
Internet banking. Using this method, you can top up your wallet for no more than 15 thousand rubles. The list of banks that cooperate with RBK Money can be found on the official PS portal.
Using ATMs. Payment is carried out without a commission, and the money goes to the wallet instantly.

Withdrawal of funds: up to 10 thousand rubles withdrawal without commission

RBKM system offers withdrawal of funds that have not been used by the user. Money is withdrawn in two ways:

to a bank account;
on the card.
In the first case, the money is returned from the RBK Money electronic wallet to the clients account number. You must first specify the details of the financial institution. Money in accordance with the terms of the PS is credited to the account within 5 business days.

The conditions for withdrawing funds to the card are similar. Moreover, in both cases there is a limit on the amount, the withdrawal of which is carried out without a commission, namely 10 thousand rubles (for 30 days). When refunding funds in excess of 10 thousand rubles, the RBK Money payment system charges a commission.

 

PS RBKM: tariffs for individuals, business

When returning funds from individuals over 10 thousand rubles, the system charges a commission of 2.95%.

For business, the payment service offers a number of tariff offers, namely: "Basic". The tariff offers free services in the form of no monthly fee for receiving transfers and providing reports confirming the receipt of funds by the client. The withdrawal (refund) of the bank card funds is carried out free of charge.
RBK Money commission for receiving funds from individuals is 3.9%. "Do Good". Provided to non-profit organizations that carry out charitable activities. The tariff offers services similar to the "Basic" tariff plan, with the exception of a reduced interest rate for transfers from individuals to 2.5%.
"Travel". The tariff can be used by a client who accepts funds for the purchase of passenger air tickets. When transferring funds from individuals using bank cards, the commission for payments is 2.4%. Refunds are free of charge.
RBK Card. Provides a commission for transfers from individuals in the amount of 2.9%. A prerequisite for the tariff is the use of an RBK Money card from which funds will be received in favor of the client.
"ZhKU". The tariff is designed specifically for customers who operate in the field of housing and communal services. The tariff has a minimum commission of 1.9%. A prerequisite is the receipt of funds for payment of utility bills. In all other cases, a 2.9% commission applies.
"Individual". It is developed on the basis of an agreement concluded between the NCO and the client.

Advantages of PS RBKM for the retail sector

The RBK Money payment system puts the main emphasis on cooperation with trade objects. Online stores that use payment services increase the security of their payments. One of the features of the system is that payments are irrevocable. That is, the risk of fraud is minimized. An important role in this is played by the PCI DSS international security standard, which the payment platform complies with.

Stores are able to accept payments received from the most common payment systems: Visa and MasterCard. The commission is 3.9%. At each level of the transfer, you can monitor transactions and track the required payment. It also simplifies bookkeeping. Stores that operate offline get similar benefits.

 

RBKM system security

The multilevel protection system RBK Money reliably protects the clients funds. This is confirmed by double passwords, which are used separately for logging in and confirming payments. The user has the ability to independently restrict access to the electronic wallet of the payment system by controlling the IP address. The PS complies with the PCI DSS international security standards, has protection against fraud and charge backs.