EPS Z-Payment, which includes a huge number of types of online payments, was launched in 2007. The service platform is owned by Zet Payment.

 

EPS Z-Payment: general information

Currently, the Z-Payment payment system is a powerful platform that unites about 400 thousand users. The service is optimized to automatically accept funds online for online stores and private clients.

According to information for 2016, more than 8 thousand online trading objects work with the payment platform. Clients are offered more than 60 topical ways to deposit money. The electronic system maintains economic relations with almost all financial institutions, which makes it possible to transfer funds by any means, from plastic cards to mobile transactions.

For business representatives, namely trade and provision of services in the global network, a wide range of tools is offered, among which there are ready-made platforms. Also, Z-Payment develops separate applications depending on the store software. The companys official website presents a selection of operating solutions for CMS, Joomla, 1C-Bitrix and many others.

 

System currency

The systems monetary unit is the conditional currency ZP. The exchange rate of the domestic currency is equal to the ruble. The client gets access to his account and its number immediately after he registers the Z-Payment wallet in the payment system. The wallet consists of a set of eight digits, preceded by ZP symbols. An example in the ZP12000078 system.

 

How can the system be useful for business?

The toolkit that e-service offers is enormous. In the list of advantages that the payment platform has, there are several key ones, namely:

more than 60 payment methods;
prompt connection for businesses and individuals;
development of individual tariff plans, taking into account software and trade specifics;
full automation of business processes.
It takes a quarter of an hour to connect the Z-Payment platform, after which the store is ready to accept payments from customers. At the same time, the software is not installed on the clients equipment, which guarantees the safety of payments. Together with the software package, the store owner can use technical support services for free. The service works with all clients, regardless of legal status, and offers to accept almost all types of translations on websites.

 

Reducing financial risks when working with a payment service: security issues

The system offers a standard set of options, the timely use of which will secure the Z-Payment wallet from unauthorized access and fraud. This must be taken care of at the first stages of registration in the system. The main safety issues that require attention are the following:

using a payment password;
additional mailbox;
phone number that will be used to carry out payment transactions. Also, messages about transactions are sent to the phone number and e-mail;
restricting access to an account using an IP address;
setting to limit transactions. Allows you not to carry out payment transactions during the period set by the client.
Also, customers of the service can use the "Personal Safe" free of charge. For this, the Z-Payment payment system requires the installation of additional security parameters.

Tariffication for financial transactions

Transfers within the PS Z-Payment are carried out without commissions within a few seconds. You can use various methods to withdraw funds. For example, you can use electronic wallets of other payment systems. When withdrawing money to EPS WM Transfer, you can use only R-purses. Also, output is available to almost all modern PSs. Withdrawal fees for all methods are on average 3%.

Owners who have passed the initial level of verification and received a personal passport can use cards or transfer money to an account. In offline mode, specialized exchange offices operate, which are included in the Z-Payment system. Here users have the opportunity to withdraw funds without commission. It should be noted that the owners of different passports are provided with different amounts of commission payment.

Creation of an account and the basics of working in the system

Creating an account with Z-Payment does not require any special knowledge and is one of the simplest that payment platforms offer. The process takes no more than a minute and provides for the indication of personal information. The system offers to send the activation link to a mobile phone number or by e-mail. In the latter case, the user does not have to enter the link manually. Therefore, it is worth giving preference to him.

Note: the indication of personal data cannot be changed. Therefore, you need to carefully check all personal data.

After creating an account, the client gets partial access to the use of all the functionality of the options that the Z-Payment payment system offers. The only limitation at the first stage is the inability to withdraw funds to a bank card. At the same time, the user can replenish an electronic account and pay for various types of services, for example,

Housing and communal services;
the Internet;
satellite television;
goods in online stores;
others.
It should be noted that the Z-Payment system offers to use the service of sending messages to the phones of any operators. The cost of the service is one ruble.

Clients who undergo additional verification get the opportunity to connect to the debit card service, which allows them to quickly withdraw money at any time. In the list of services there is a proposal to create a virtual card "MasterCard". The maximum limit on the card is 15 thousand rubles, the minimum is 100.

 

Certification in the Z-Payment system

The basis for the tariffication of the payment platform is that the user has a certificate, which is an electronic document regulating the obligations and rights of the client. Each passport offered by the Z-Payment payment system is generated based on the users verification by the service. It determines the degree of trust in the system participant. As of 2016, 14 types of certificates are offered, each of which differs in the following criteria:

the number of ways to withdraw funds;
tariff scale;
data provided by the client;
the possibility of providing (to individuals or legal entities).
At the first stage of acquaintance with the EPS, a certificate called "anonymous", which is provided automatically, is quite enough. With it you can:

top up your Z-Payment wallet;
exchange system monetary units for another currency;
make payments for goods in stores within the established limits.
At the same time, the user does not have the ability to withdraw money from the system, as well as apply for partnership with Z-Payment.

Often, the Z-Payment system is replenished by customers who are focused on doing business in the global network. To resolve this issue, you can use the Temporary Passport, which offers flexible payment terms. Its main advantage is the promptness of receipt, since an electronic document can be issued immediately after registration. This level of verification is enough to conclude an agreement with a payment service and accept money transfers on your own website. The only limitation that narrows the possibilities of an entrepreneur is the inability to withdraw funds received. Alternatively, you can transfer money to other EPS or undergo further certification in Z-Payment in order to obtain full rights to manage your account.

A Personal Passport is an ideal solution for business representatives who already have experience in the global network and receive a certain income. Thanks to the certificate, you can connect an unlimited number of shopping facilities and expand the possibilities for receiving funds. Also, the Z-Payment payment system removes the restriction on the withdrawal of money, which can be carried out in various ways. The maximum amount that the user can withdraw during the day cannot exceed 200 thousand rubles.

In general, each certificate is client-oriented. For example, a VIP certificate has practically no restrictions. It is focused on large businesses with a turnover of more than 300 thousand rubles per day.

Currently, the popularity of the Z-Payment payment platform is growing, and business representatives are primarily interested. The service offers a wide range of payment products, provides their technical support and cooperates with all major payment systems. An additional advantage in favor of the payment company is the reliable security of the account and all transactions.