Comepay payment system. Electronic payment system "Comepay Comepay payment system

Payment systemComepay belongs to FINARS Bank, which has been operating in the financial market since 1994. One of the main directions in the bank’s work is translation Money, including e-commerce. For these purposes, the bank was created payment service Comepay. In Russia, this service is quite famous among those users who use e-commerce, which allows them to quickly pay for goods and services without wasting time. The service organizes services for citizens with the task of transferring funds in relation to more than 3,500 partners who are service providers. For the purpose of stable, efficient, uninterrupted operation, equipment from IBM and CISCO is used, which has high quality, as well as the ability Reserve copy Software and data. You can find out how the comepay payment system works in this article.

Online wallet

Since 2006, the Russian Federation began the procedure for registering online wallets belonging to this service. In its work, the operator mainly focuses on the production of Comepay payment terminals, payment for everyday services, including loan repayments, etc. Branches of the company payment system Campey operate in approximately 70 regions of our country, in Ukraine.

Comepay is one of the leading Russian payment services. It belongs to FINANCE Bank, which has been operating in the financial services market for more than 20 years. Compay has established itself as a reliable and convenient electronic payment service.

How to use the terminal

To perform operations involving cash, you must have a wallet in the payment system. Next, the user must select the “wallet and payment systems” option, go to “single wallet”, enter the number mobile phone, to which the wallet is registered. The number is entered without the Russian code. The phone number must be registered in the system and must be confirmed with payment service operators.

To pay for an order, for example, placed in an online store, enter the phone number, enter the wallet number (12 digits), click on the “go forward” option. The correctness of the entered data must be verified by the user. However, the system itself reminds us of this. After the banknotes, you need to click on the “forward” button, we receive proof of payment (check), if necessary, we save the payment. But you don’t have to do this.

For its 7th anniversary in 2003, Compay updated its logo and corporate identity, using the services of the leading Russian design studio Artemy Lebedev.

Purse registration period

This is a necessary step, since without having an electronic wallet registered properly, it is impossible to carry out any transactions with money. The deadline for registering a wallet in the system is mobile number user - no more than two working days. Upon completion of the registration procedure at the address Email, specified by the user, a login and password are received. This data is the user's access to the wallet. The password sent by email is valid for 3 days; if it remains unchanged, access to the site is blocked.

The wallet is replenished in Comepay terminals. This replenishment method can be considered the most profitable, since the user is not charged a commission for this action. Otherwise, you can top up your wallet:

• in salons mobile communications;
• systems;
• from a mobile phone;
• by bank card(additional commission, information about its amount is presented on the service website).

The Comepay network of payment terminals is one of the largest in Russia. In terms of prevalence, it covers most of the country's territory. Comepay self-service machines are installed in the cities of Central and Southern Russia, in Siberia and the Urals, both in megacities and small towns.

User's personal account (for online store owners)

To gain access to your personal account, you must take the following steps:

1. Registration in the online store on the website. On the service there is a tab for “online stores”, you should click the “registration” option. At the top of the site you can see the required section.
2. An application for registration of an online store must be approved by service employees.
3. A protocol will be sent from the service: it will need to be configured by employees of the virtual retail outlet for correct data exchange.

For a businessman who wants to register on the service, it is necessary to choose a business model. The website provides potential clients with several options:

1. Personal wallet. This is the best option for citizens who are starting their own business on the World Wide Web or freelancers. In addition, the wallet is designed for businessmen with a small turnover of assets. The advantages of the chosen model include:

• connection to the model is available to citizens;
• there is no need to enter into an agreement with the service;
• money coming to the wallet is withdrawn at the first request of its owner;
• The services of an accountant are not required to work with the service.

2. Business wallet. It is available to business representatives (large and medium). In this option, cooperation with the system is carried out on the basis of a concluded agreement (list of necessary documents and proposed tariff plans you can look at the company website). And the second feature is that the funds are withdrawn to the current account of a legal entity.

Compay uses reliable hardware from IB and CISCO; and, thanksstable, proven communication channels, acceptance and crediting of payments from both private individuals and organizations,Comepay at self-service payment machines takes place in the shortest possible time.

User's personal account (for regular users)

The wallet is registered to the phone number. In the personal account, the user enters his data. For convenience, the service offers download to mobile devices(Android version, for iPhone You can pay for goods and services through mobile offers.

Payment system functionality

Currently, the system accepts payments via the Internet or Kampei payment terminals for more than 3,500 companies:

• banks;
• other organizations.

There are about 35,000 terminals in Russia, and 38,000 payment points.

Read information about other services ecommerce on our website: for example, about the Rapid system, one of the oldest in our country, and the PayPal system, one of the most popular and widely known all over the world.

Information for users

Campaign offers services to users around the clock, promptly. Payment for services or goods of interest to the user is possible on holidays. For customers in case of questions or problematic situations, the support service operates around the clock. Users can contact with questions by phone: 8-800-100-80-50.

The company was founded in 2006. IN given time The network of terminals of the Comepay payment system covers almost the entire territory of Russia. There are Comepay terminals in more than 71 regions of the Russian Federation. Customer service terminals exist in the southern part of Russia and in the Urals, and in the central part. Also, terminals appeared in foreign countries, in countries such as Poland and Israel, Ukraine and Kazakhstan. At this time, the company is a leader in the Russian market.

What services does it provide?

The company works in the direction of accepting payments, using it you can make payments for various services and goods, pay for loans, transfer money.

More than 25,000 thousand payment terminals have been installed and connected, more than 38,000 payment points have been opened.

What is comepay: Video

This payment system can be used:

• for purchasing both air and railway tickets;
• to pay for cellular communications;
• to pay for television and Internet;
• to pay for utilities;
• you can make money transfers;
• pay in online stores;
• book hotels;
• replenish electronic wallets.

Using electronic money: Video

Accepting payments

Making a payment is quite simple and fast. Let's look at the method of replenishing your wallet in a little more detail.

Replenishment in terminals:

1. First, select the “Wallets and payment systems” category.
2. Then, select the “Unified Wallet” service.
3. Next, in order to top up your wallet, you need to enter the mobile phone number that is registered and confirmed in the service. Please note that you must confirm your phone number. Enter it without the country code.
4. If you want to pay for an order in an online store, you must indicate a twelve-digit order number.
5. Then, click on “Go Forward”.
6. Check that you have entered the data correctly and only then click on “Go Forward”.
7. Place the bill in the bill acceptor.
8. Once the exact amount you deposited appears in the “Amount” column, click “Forward”.
9. Take the check. This is necessary in case of various controversial issues related to payment.

Replenishment in comepay: Video

Comepay payment system – operator money transfers carried out on the basis of the joint-stock commercial institution "Finars Bank". Using the company's wallet, you can pay bills online and conduct financial transactions in various directions.

ESP "CampPay" is one of the leading electronic payment platforms in the Russian Federation and has collected positive reviews about the reliability and speed of operation. The portal has a state quality certificate and cooperates with 3,500 or more providers who provide services to individuals and legal entities, has convenient terminals in almost every major retail outlet, accepts transactions in any bank.

The portal interface is very convenient. Immediately from the main page, the visitor is offered a choice of three main functions:

Top up

Pay

Withdraw

By clicking on the “Payment” tab, a list of names of companies that interest the user opens. They are all arranged in alphabetical order, which makes finding the right brand quick.

Alternative search option. There is a search bar on the left side of the site. Here you can immediately enter the name of the company or institution.

PS Comepay cooperates with a huge amount suppliers. For convenience, they are sorted into groups, the list of which is visible on the right panel of the portal:

• housing and communal services;
• Internet and IP telephony;
• cellular(YOTA, Beeline, VK mobile, Megafon, MTS, GoodLine, Simtreval, SkyLink, Tele2, SMARTS, Allo Incognito);
• payment systems;
• cosmetics (AGEL, Amway, Avon, BIOSEA, Faberlic, Oriflame, Mary Kay, Florange);
• TV;
• repayment of loans;
• SMS diaries;
• air and railway tickets (Aviacassa.ru, JUST.travel, OZON.travel, Tripsta, AeroTour, Aeroflot, Vezet, Vokzal.ru, Glissada, Gold Travel, Mobitur, Platon, YourBilet, Strelka Transport Card, UFS, CABC, Pilgrim 94, NonStop-Tyumen, AERO-LINE);
• games (Legend Legacy of Dragons, Aion, Arche age, Armored Warfare, Battle Carnival, Black Desert, BS.ru, Business Tycoon Online, Combat Arms, Cross Fire, GameNet, Garena, Karos Online, Last Chaos, Lineage 2, Perfect World, PointBlank, RIOT, Skyforge, Steam, War Thunder, Warface, World of Tanks/Warplanes/Warships, Juggernaut, [email protected]);
• motor transport;
• dating (Galaxy, LovePlanet, mamba, VKontakte, FriendVokrug, Moi Mir, Odnoklassniki, Fotostrana);
• travel agencies;
• traffic police;
• hotel reservations;
• Federal Bailiff Service;
• software;
• charity;
• security agencies;
• other.

Ways to transfer rubles for services:

1. e-wallet money – online by going to Personal Area or through mobile app;
2. in cash or by bank card - at the terminal.

The website provides an interactive atlas of terminals. It can be found in the upper right corner of the screen. This is convenient when you need to quickly navigate and find out the location of the nearest point.

This is interesting! The portal interface prompts a convenient option for the user - “Check payment status” (it is located in the upper right corner of the screen). With its help you can control what stage the payment is at. To do this, you must enter the terminal number, check number and payment date.

Registration

This payment system The only mandatory condition for the user is that he must be registered. In response to an attempt to perform an action, the message “Failed to log in” will appear on the screen with a proposal to create account. The procedure is simple and fast, does not cause inconvenience and is free.

Registration is possible on the official website https://money.comepay.ru/. All you need to do is enter your phone number and receive a confirmation SMS notification. In the future, mobile will always be the login for authorization.

During the registration process, you must also familiarize yourself with the public offer and check the appropriate box, notifying the system that the document has been studied. This is a regular agreement between any financial institution and its client, regulating the relationship:

1. The service undertakes to reliably protect personal data, encrypt and encode financial information, and prevent fraudulent transactions.
2. A client (both a resident of the Russian Federation and a non-resident) who has reached the age of 14 years can use the platform after familiarizing itself with its rules, limits and fees.

An account is created solely for paying for something or transferring money. The user cannot receive a loan. No deposit interest is accrued on the balance of funds.

Another feature of the platform that the user needs to be aware of is user status tracking. If a visitor has not been active for 90 days, he will pay ten rubles to the system. You can write a statement to the support service with a request to suspend your account for a period of no more than 180 days, if you assume in advance that there is no need for the service for this period.

How to top up

Topping up your Comepay wallet is easy. On home page you need to open the “Top up” tab. And then the interface will suggest three relevant methods:

• by bank card;
• cash;
• from your mobile phone balance.

Any type of plastic such as MasterCard, VISA, Maestro is allowed for replenishment. The quota charged varies by issuer, but averages 1.3%.

For the second option - cash - there are variations with terminals of different brands (besides the one under discussion):

• Messenger;
• Euroset;
• Beeline;
• Magnet.

Svyaznoy and Euroset provide the service without commission, Beeline charges up to 2% of the amount, Magnit – up to 5%. You can also top up your account using your mobile phone. Money is credited from the SIM card balance. The interest rate is charged by the operator.

How to withdraw

To see the options for withdrawing currency, you need to open the “Withdraw” tab. Here it is offered:

• Mastercard, Visa, Maestro.
• Through the CONTACT programs (Russia and Abroad), UNISTREAM (by full name or BC number), Anelic.
• Bank transfers.
• Electronic money on Yandex.Money, Qiwi, Wallet ONE, WebMoney (WMZ, WMR, WME), RBC Money.

Operation of CONTACT, UNISTREAM, Anelic, as well as withdrawal of money to Yandex.Money, United, WebMoney is free. This makes the presented PS attractive in this regard. But a transfer to a card requires a commission of 2%, and a transfer to the issuer’s account – from one to one and a half percent, depending on the issuing bank.

Tariffs and limits

Transactions with Komepay have their limitations:

• a one-time transfer should not exceed 15 thousand rubles;
• the balance on the balance also provides for a limit of 15,000 rubles;
• For one calendar month, the total amount for transactions is allowed - up to 40,000 rubles.

As for the fees charged, much depends on the method of payment or top-up. For example, when purchasing a product in an online store using a PS wallet, nothing is taken beyond the cost. But transferring to a bank account will cost approximately 1.5% of the amount.

In addition, there is a tariff for the “downtime” of an account that has received an inactive status. If the account balance is no more than RUB 7,200, 0.25% will be withdrawn every calendar day. This point is specified in the offer.

When replenishing your wallet with a credit card, the issuing institution has the right to charge an additional commission, in accordance with its internal regulations. The user should keep this information in mind when opening a cash account in a particular bank.

In general, the company is quite competitive in the market of its own kind, thanks to an extensive list of suppliers cooperating with it and a flexible algorithm for depositing/withdrawing money. Online service works around the clock, seven days a week. Payments are made instantly from any computer or gadget that has a special mobile application.

Contacts

109240, Moscow, Moskvoretskaya embankment, 7, building 2. Address for correspondence: 344006, Rostov-on-Don, st. Sedova, 5