Let's consider the features of RBK Money (the nature of working with it practically does not differ from working with the Rupay wallet), and also compare the tariffs and the 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 need to indicate in the registration form only your real surname, first name and patronymic (in Cyrillic) and e-mail, 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 indicate 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 safe is your 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 in case you need to recover a lost password.

There are two types of wallets in the system - Standard and Advanced(analogues of uncertified and certified Rupay accounts). In order to raise the level of the wallet to the extended one, it is necessary to provide the system with your passport data.

What are the advantages of having an Advanced wallet over 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 a 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 RUB 100,000 per month).

Previously, users of Standard wallets, in addition, were 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 via a mobile phone. To do this, you need to download and install a special RBK Money Mobile application from the site. The mobile application is tied 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, there was a commission in the system for money transfers within the system. It was charged from the sender of the payment and was 0.5% for owners of Standard wallets and 0.3% for owners of Extended wallets (but not less than RUB 1). Now all transfers between RBK Money wallets are free.

RBK Money charges a commission for withdrawing money from the wallet (return of unused funds). (See below).

RBK Money wallet replenishment methods and agent tariffs

The number of ways to replenish the RBK Money wallet is constantly replenished. In addition, RBK Money appears to be in active negotiations with agents to reduce tariffs. In any case, almost every month on the website of the system, they happily report on the reduction of a particular tariff or even the abolition of the commission of any method of replenishing the wallet. Judge for yourself by the table below - the following methods of entering money into the system are currently available:

* Please note that not any plastic card is suitable for replenishing your RBK Money wallet. These can only be cards of VISA and MasterCard systems, moreover, Visa Classic, MasterCard Standard and higher (you cannot replenish your wallet with Visa Electron / MasterCard Maestro). Funds entered into 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

Frequently asked question: what information should be provided during bank transfer to deposit funds to RBK Money e-wallet? The answer is as follows. When you want to replenish your account by bank transfer, you need to log into your account (Personal Account) and go to the "Replenish account" tab. There you will enter the details of your bank and receive the system details for replenishing the wallet.

Methods for withdrawing funds from RBK Money wallet
and system tariffs for the return of unused funds

bIn addition to the well-known payment systems Webmoney and Yandex Money, there is another rather large player in the CIS countries - RBK Money, which has come close to its more experienced competitors, taking an honorable third place in the popularity rating. Let's see why this system is so attracted to Russian-speaking users.

RBK Money advantages

1. Convenient and ergonomic interface with a structure that is understandable even for beginners. With its help, you can not only carry out the necessary currency operation in 2-3 clicks, but also get access to statistics, as well as many other useful functions. Unlike some other payment systems, RBK Money does not force users to install a client application - everything you need is already in the browser.
2. A huge number of ways to replenish. Bank payments, card payments, postal transfers, through a specialized terminal, SMS-message with mobile phone etc.
3. Versatility. With RBK Money, you can pay for purchases on the Internet, utilities, traffic fines, make transfers to accounts in other payment systems. Online store owners will surely like the automatic payment acceptance service.
4. Low commissions for internal transactions - 0.5% for standard wallets and 0.3% for extended ones. To get advanced features, you need to confirm your personal information by sending a copy of your passport.
5. Advanced means of protecting personal data and funds stored in the account. All operations are carried out using a secure SSL protocol, which excludes unauthorized interference and theft.
6. Additional services, such as your own plastic Visa card (can be used only in Russia) and a mobile application that supports all the necessary functionality present in the standard interface.
7. High speed and quality of work technical support- within a few minutes, a competent specialist in an online chat will answer your questions. It is also possible to contact a consultant by phone.
8. "100% Guarantee" program. Even if you become a victim of fraudsters, RBK Money will fully compensate you for your losses: you just need to submit an application to the support service, which will be considered within 30 days, after which, if a positive decision is made, the money will be credited back to your account.
9. Discounts when paying for goods in partner stores and companies friendly to the payment system, and quite substantial - 5, 10 and even 30%. If partners are holding other promotions at this time, each discount is calculated separately.
10. The opportunity to earn money on the affiliate program. You will be able to receive 0.5% of the amount for which the referral was replenished (the person who registered using your affiliate link). Payment is credited to the account instantly, regardless of how the transfer was made.

With all the simplicity and profitability of using RBK Money, it also has negative sides and, unfortunately, there are not much less of them than positive qualities.

Disadvantages of RBK Money

1. The RBK Money system uses only one currency as a unit of account - the Russian ruble, which makes the use of this payment system by persons not residing in the Russian Federation practically impractical.
2. A significant limitation of the functionality for users who have not submitted their passport data for verification: the transfer amount cannot exceed 15 thousand rubles, automatic payment acceptance is not available, there is no possibility of exchange with other EPS.
3. A fairly high commission is charged for deposit / withdrawal operations in some ways (from 3 to 5%), although in most cases RBK Money does not require any deductions.
4. Problems often arise with the passage of payments and the overall stability of the system.
5. Unidentified (without confirmation of passport data) wallets are not only subject to higher commissions, but are also subject to the risk of blocking, which can be removed only by providing the administration with a number of notarized papers.

Summarize

RBK Money has shown itself to be a modern, simple and convenient platform, which, although it has many shortcomings, has remarkable potential for further development. Of course, it is unlikely that it will ever become an international project, but in Russia it is guaranteed to be popular - more than four million clients are proof of this.

The disadvantages should also be attributed to the administration's paranoia and its excessive suspicion towards clients. In the process of creating a wallet and paying for one service through a Visa card, I had to go through two verification procedures (photo of the card and reconciliation of the transaction) and only after that I was allowed to deposit money into the account. Already at this stage, I regretted that I had decided to work with RBK, and when the wallet was blocked after the replenishment, my patience ran out.

Hike everything, there is no more payment system. I faced the loss of 12,000 rubles on my personal account and a little more with a broker.
I ordered a profit withdrawal first, the amount is not large, it's a shame to call it, but they blocked the withdrawal and the money hung, the broker says there is a technical failure at the payment system - I run there, and there is nothing, I do not enter the login and password correctly. Password recovery does not help, the letter does not come to the mail, I cannot restore it via the phone, in general it is a shame that such offices appear, and it is even more offensive when they disappear with your money.
If someone tells me a way to withdraw the money left on the wallet, I will be grateful.
Advisers for contacting support, please do not write, there are about thirty of my letters and messages already.

Mistress

I watch botalia with payment cards and partner companies and I understand that I will not get my money back, there are so many claims to the company.

Mistress

I wanted to read the normal reviews and test, but after the reviews, the desire was gone. This eps is not used to pay for any services, it positions itself as a service for working with a mastercard and a visa. By the way, it is convenient to use Sberbank online to work with a visa and master cards, I recommend it!

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. For a natural person - make purchases in online and offline stores, pay off 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 because of 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 payments have not been made using the 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 the 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 for free within 5 working days. Authenticated users can use this feature.

For entrepreneurs, only transfers in their favor sent by individuals (3.9% from each transfer) are paid. All other functions can be performed without commission and monthly fees:

• Connect your Internet resource and configure it to accept payments.
• Receive reports on cash receipts in electronic form.
• 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 for utilities (tariff "Housing and Communal Services"). There is also an individual plan, the terms of which are discussed with each entrepreneur separately.

Download all fees and limits for 2017 in PDF format (44.0 KB).

Registration process

You do not need to pay to create an RBK Money wallet. The process is free and easy. To begin with, they register on the site. It's as easy as getting a new one e-mail... 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 your account and will not be an obstacle if you need a professional account.

There are two levels of registration with RBC Money: standard and extended. The second opens the way to new opportunities:

• rubles are exchanged for other electronic currencies (limit - 100,000 rubles per month);
• the limit of daily replenishment 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 in an amount not exceeding 100,000 rubles per month, and it is replenished by 1,000 per day.

For an extended wallet, passport details are required. Scanned copies of the document are uploaded to your personal account, 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 defense in RBC Monei. 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 name of the owner of the account and the recipient matches. When making any transaction, a separate password is created for a specific transaction. Without knowing the code combination, the swindler 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:

1. Enable in the settings the function of tracking the IP address from which operations are performed or account opening.
2. Connect SMS-informing and confirmation of financial movement via a mobile phone.
3. Choose a secret question-answer to confirm the initialization in case the password is lost. The answer should be easy, but carefully thought out, unpredictable for fraudulent social engineering.
4. Connect the "payment password" option and come up with a combination that is different from the one entered when entering your account. This doubled protection will allow you to make transactions with the least likelihood of hacking or money interception.

You can enter your personal account from mobile application(the program is downloaded for free from the official site). A PIN code is entered before the session. This prevents third parties from accidentally entering the application.

conclusions

You can trust the RBK Money payment system, despite its relatively short existence, the program has managed to prove its advantages: access from anywhere in the world, multi-level account protection, simple registration.

As for the methods of replenishing the wallet and withdrawing funds, there is almost the entire range of possible options: via other EPS, to a bank account, by postal order, etc.

Among the most frequently used payment services in Russia, RBKMoney can be mentioned - a progressive online platform that allows you to make fast money transfers. Among the services - transfers to debit and, Internet payments, mobile payments. In addition, RBC's network includes thousands of terminals and subdivisions operating in different regions of Russia. The company works closely with 40,000 online stores, and the total number of active users of the system in 2016 exceeded 6 million people. For the most functional use of RBC, the new participant will be offered to register a personal wallet.

RBK Money - payment system

The service was registered in the format of a virtual payment platform in 2002 in Ukraine and was originally named RUpay. In 2008, the product became a full-fledged member of the RBC holding, as a result of which it received a new name, which is still used today. Currently RBKMoney is a payment system that offers its users extensive functionality. Opportunities include fast money transfers, payment for goods in online stores, online payments for utility bills, and mobile communication... In addition, the owners of the RBC wallet can freely withdraw funds from it to bank cards.

RBK Money wallet

Registration of a personal electronic wallet on the RBC-money platform opens up even more opportunities for its owner. Among the main advantages of the RBKMoney wallet are the ability to pay for purchases online without overpayments, interest-free replenishment, as well as free withdrawal of the money balance to a card or bank account. Registration is also free and takes a minimum of time. Owners of wallet accounts in the RBC system have access to qualified technical support services operating 24/7.

RBK Money payment

One of the main functions of the payment platform, which is used by tens and hundreds of thousands of users every day, is payment for goods and services in online stores and other retail outlets. The number of online stores accepting RBKMoney payments has already exceeded 40 thousand. At the same time, the buyer does not need to worry about hidden fees and commissions: when performing a trade operation, only selected goods or services are paid for, the system commission is 0%. In the event that after the settlements there is money left on the RBC account, it can always be withdrawn to a bank card.

RBK Money Card

Each user of the RBC system has the opportunity to issue a personal plastic card of the international payment system Visa. RBKMoney card allows you to instantly withdraw funds without commissions - for all financial transactions linked to your personal wallet. At the same time, all other operations are carried out with a minimum commission, which in this case will be much lower than in the case of other credit and banks. Cardholders can freely transfer funds between their own wallet and card at any convenient time.

RBK Money commission

In turn, the size of the RBKMoney commission depends on the type of service and the tariff plan chosen by the user. In particular, within the framework of the "Basic" tariff plan, money transfers of individuals are carried out without additional commissions, when transfers are credited in favor of the client, 3.9% of the total payment amount is charged. The withdrawal of money from the wallet to a bank account / plastic card and the return of money to the sender of the transfer (payer) are also not subject to commission costs. A complete list of tariffs operating within various tariff plans can be found on the official website of the service.

RBK Money is one of the modern payment services that allows money transfers using bank cards and online payments on the Internet. 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 under the name Rupay. Since 2008, this payment service has entered the RBK holding, while the name was changed to RBK Money. This settlement platform cooperates with more than 40,000 online stores, for goods and services in which rbk money can be paid by a payment service. Transfer of funds using international bank cards of VISA, MasterCard and Mir payment systems is also supported.

Widely ramified (more than 250 thousand points), covering almost the entire territory Russian Federation, the network carrying 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 communications, 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 and neighborhoods, but almost anyone who has a smartphone and a computer connected to the World Wide Web.

Given the development of all sorts of postal services and delivery services, it becomes possible to sell goods or services virtually worldwide. But for the successful implementation of such projects, a convenient settlement system is required for both the buyer and the seller. Considering the developed network of services in the Russian Federation serving financial transactions of the RBK Money company, you can open an online store without any problems.

Find out which credit cards offer various banks and conditions for them, you can. Read where and how to apply for loans for any purpose via the Internet.

For a product or service on the store's website, payment via rbk money service can be carried out even without the client having an electronic wallet, for this the client only needs to know his order number. The service of connecting the RBK Money service to the online store is free, takes only two business days, and does not include any hidden fees and charges. There are three tariff plan 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 the turnover is charged on account of payment for services).
• Do Good (2.5% of the turnover is charged as payment for services).

On the company's website, you can completely free download customized modules for CMS Worpress, Drupal, Bitrix, Joomla on which the online store is developed. Many other companies that provide similar online payment services sell similar modules. Thus, aspiring entrepreneurs who, as a rule, have a limited financial resource from cooperation with the RBK Money payment service, will receive support and benefits at the stage of the formation of their business project.

Services for individuals

Individuals, as well as legal entities, are not 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 lie in the different functionality, the availability of operations and the amount of funds that can be operated on.

Passing the identification procedure

The procedure itself is not complicated. You can go through it using mail, or using the CONTACT translation system. In order to pass identification in the first way, you need to send by registered mail to the address of RBK Money the “Application Form” with the client's signature certified by a notary.

In order for the account holder to pass identification 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 RBK Money payment service. Then, upon presenting your passport, you will need to name the service code (RBK Money client identification) “RBKY” and your wallet number 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 RBK Money for consideration. The information received from clients is put into 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 in personal account the user will also change their status to “Authenticated”.

Raising the level of the client's status from “Standard” to “Identified” gives a number of advantages, both in expanding functionality and in reducing the commission on operations with funds. So the commission for transfers of funds to other system participants is reduced from 0.5 to 0.3 percent. The size of the limits of funds that the client can operate with increases, 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 order (processing time 2 - 3 banking days).
• Purchase a Ukash voucher (instantly and no commission).
• Through the CONTACT system (processing time 1 banking day).
• Transfer to other payment systems WebMoney, Qiwi, MoneyMail, EasyPay and others (payment processing time depends on the specific system).
• Transfer to a bank account of an individual (payment processing time is 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 its customers to provide reliable protection against the actions of hackers and all sorts of fraudsters. Protection is carried out both with the help of passwords and through the settings of the properties of the entrance to the client's account, when you can set a specific address from which it will be possible to connect to the service.