SystemRBK Money- a universal tool for individuals, which is a payment platform that operates online and allows payments to be made online. The capabilities of the platform will allow you to accept payments from bank cards, mobile phones, EPS or using online banking.

Payment RBK Money carried out in a short time and with a guarantee of personal data protection. This is possible thanks to the implementation of advanced technologies and the developers’ focus on creating a convenient and effective tool for entrepreneurs. The RBC Money system works with 40 thousand retail outlets on the network, and its user base numbers more than six million people.

History of development of RBK Money

The RBC Money service first appeared on the Russian Internet in 2002. The original name of the system was Rupay, but after six years of operation (in 2008), the company became part of the RBC holding. Accordingly, the name also changed. In 2012, RBK Money changed ownership again. Now this function is assigned to the credit structure of NPO EPS LLC.

RBC Money is mistakenly perceived as a banking system. This is wrong. The service does not provide standard banking services, but works with many financial institutions. Field of activity is the territory of the Russian Federation. Payment to RBK Money can only be made by a resident of the Russian Federation. Transactions are made using conventional units.

The functionality that the RBC Money system provides to users directly depends on the amount of information transmitted. Based on this, there are two types of wallets:

• Electronic wallet RBK Money.
• Advanced option.

In the second case, the user receives a number of additional options - a larger limit on replenishing the wallet, a function for returning unspent money, access to a virtual currency exchange service, and others.

Mass payments to RBC Money, how to activate the service, tariffs

One of the service options is making mass payments. This is a payment solution that allows you to make payments to multiple recipients simultaneously. Payment to RBK Money is made according to the following algorithm:

• Downloading technical documentation, studying it and subsequent integration via API.
• The ability to make payments to electronic wallets and bank cards, as well as create payments reports.

How to connect to RBK Money? There are a few steps to take here.:

• Submit an application and wait for approval.

• Draw up an additional agreement.
• Set up the system.

Useful functions of RBK Money

The RBC Money system allows you to solve the following problems:

• Conduct financial transactions online or offline.
• Pay housing and communal services, top up your phone account, transfer funds to your cable operator.
• Keep statistics on payments without having to remember details.

Also the RBK Money system provides a number of additional options. Among them:

• Auto payment- a function that allows you to program the debiting of money from a bank card to make payment for goods. Using this option, you can forget about the need to make timely payments (the system does this work). A special feature of the option is that there is no payment for using the service. The principle is simple. After completing the first transaction, the buyer accepts the terms of the offer and agrees to write off the funds. In this case, the write-off conditions are set independently. As soon as the RBK Money tool makes a debit, confirmation of the transaction is received.

Good afternoon dear friends! Continuing the theme of searching for the most profitable and convenient ways of input and output electronic money, it is simply impossible not to mention such a payment system as RBC Money. Previously, I already introduced you to the monsters of the EPS market: YandexMoney, WebMoney, Payoneer, Skrill, Qiwi. If you remember, each of these systems charged their clients commissions for the use of electronic wallets. RBK Money is a payment system in which no commissions. Favorable operating conditions and high speed of financial transactions are the main advantages that RBC Money clients receive from interacting with the company. Today I invite you, together with me, to understand all the strengths and weaknesses of RBC Money and decide whether or not to become a user of this wallet.

History of the payment service

The history of RBK Money begins in 2002 year. It was at this time that a payment system called RUpay appeared on the Internet. A little later, namely on April 16, 2008, the payment system was absorbed by the RosBusinessConsulting company, and therefore, on June 23 of the same year, Rupay was transferred under the trademark, which is known to you and me as RBK Money.

Literally in 2014, the company’s value was estimated at 18 million rubles. Today we know RBC Money as a payment service with an accelerated and simplified process of payments and purchases in RuNet. Exactly because of this reason the range of payments is quite limited and standard: utilities, telephone, internet, online shopping. It makes sense to note that all these payments are made with either minimal or zero commission fees, which, undoubtedly, is a significant advantage and advantage of RBC.

Registration in the system

To gain access to all the features of the payment wallet, you will need to go through quite a few steps. quick and not at all complicated registration process. To do this, you need to fill out the standard registration form your real data:

1. We indicate the Last Name, First Name, Patronymic, passport details and address of the current Email on the official site
   
2. Set a password from the wallet, select Secret Question and create a response to it
   
3. Activating mail- let's go to Mailbox specified during registration and follow the link received in the letter from RBC Money
   
4. Let's go to Personal Area . The system will send us a letter in which it will be proposed to replenish the wallet and increase its level (go through the procedure identification)
   
5. Setting up security. The ability to set restrictions on IP is supported. This will allow you to limit access to the wallet only from yours or from a group of IPs included in the list of addresses
   

Passing identification

The identification procedure will establish that you are the direct owner of the account. It is thanks to identification that the payment system distinguishes bona fide users from the mass of swindlers and swindlers, which significantly increases reliability, making the use of the wallet safe for each participant. As long as your RBC Money account is anonymous, you will have much fewer opportunities than identified users. In addition, the system security service has the right any time require anonymous users to provide documents that confirm their identity, temporarily limiting the ability to make transactions on their accounts.

If you decide to identify yourself in RBK Money, then you can do this in two ways:

• pass identification by mail, by sending RBK Money a registered letter with a statement in which your signature will be certified by a notary;
• identify your identity via CONTACT– specialized service money transfers.

I propose to analyze each option more thoroughly and start with postal identification.

By registered letter

In order to send a letter with a notarized signature to the company, you must:

1. Download from the official website standard application form and print it.
2. Printed Fill in all required fields with letters.
3. Visit the notary's office with the completed form and your passport. I would like to immediately draw your attention to the fact that The application can only be certified by Russian notaries.
4. Verify the signature, stated by you in the application, notarized.
5. Send an application by registered mail or express mail at RBC Money. The recipient's address on the envelope must be indicated as follows: NPO "EPS" (LLC), 117393, Moscow, Profsoyuznaya street, 56, floor 11.
6. As soon as your application is received and processed by the RBC Money security service, the status of your rbk money wallet will be automatically changed. It usually takes from 7 to 10 business days from the date of receipt of the letter.
7. As for changes in status, after processing by the payment system security officer, it will be changed either to “ Identified", on either " Not identified" The last case means that you will need to repeat the entire procedure from the very beginning and wait latest changes according to your request.

I note that those users who have not yet reached the age of majority will also have to attach to the application a notarized consent from the parents stating that they are not against their child using the RBC Money system.

Via CONTACT

An alternative option for completing the identification procedure is interaction with the CONTACT system. To do this you will need:

1. Armed with your passport, go to the nearest CONTACT payment point. To find out the addresses of the points where identification is carried out, just call the company’s information department using toll-free number – 8-800-200-42-42 .
2. Explain to the cashier what you want pay for identification in the RBC Money payment card through the CONTACT system, and provide him with your passport. After this you will need to specify your account number in the RBK system.
3. Pay for the service and receive a payment receipt. Please note that at payment acceptance points for this event you will be asked for 200 rubles, 50 of which will be automatically credited to your e-wallet account.
4. Within one business day from the moment you contact the CONTACT point, your application will be sent to the RBC Money security service.
5. As soon as the system employees check the accuracy of your data, in your RBC Money personal account you will see the status of your account - “ Identified" or " Not identified».

I believe, that the second option is simpler and faster, and it’s better to use it.

Wallet replenishment methods

Moving on to the more practical part of this article, I want to start it with how to deposit money on rbk money. To deposit money into your e-wallet account in the RBC Money system, you can go in several ways.

Use a bank card

You can top up your balance in RBK Money with almost any card such as Visa or MasterCard. The only limitation set for this type of input is that you can make no more than 6 payments from one card. To simplify the process of replenishing your wallet, you can immediately link the card to your payment account.

For such a replenishment of your account, you will not be charged any commission, and the money will be credited to your account within 3-4 minutes; at least for me, they came in that time.

Through self-service terminals

I think all readers of this review are familiar with payment terminals, and therefore there is no need to describe instructions for interacting with these inventions of mankind. Since RBC Money cares about the convenience of its clients, you can top up your account through several providers, including: Euroset, Elexnet, DeltaPay, Rapida and Campay. Each of them has no commission and provides instant enrollment funds.

Communication salons

The principle of replenishment is elementary - go to the nearest Euroset branch, contact an available cashier-operator, say that you need to replenish your RBC wallet and indicate the payment amount. Money is credited to the account instantly.

Internet banking

Those who are not used to leaving their computer can top up their e-wallet account via the Internet. Here I would like to draw your attention to the fact that at once you can transfer to the account no more than 15,000 rubles. The replenishment process in this case is similar to replenishment. Among the partners of RBC Money I found only “ Alfa Bank».

Money transfer systems

In this case, we interact with what is already familiar to us CONTACT, in the branch of which we find a free cashier-operator and, by analogy with replenishment in the Euroset salon, we transfer money to our electronic account. The payment amount is sent to the wallet instantly, but you have to pay for it commission of 3.5% from the replenishment amount.

Replenishment by bank payment

Alternatively, you can deposit money into your account using the services of your nearest bank branch. This replenishment option will not be too fast, since crediting to the account occurs within 5 working days. However, it is possible that your bank will process the request instantly and the money will arrive in your wallet on the same day.

Replenishment through online exchangers

If, for example, you have funds for , then you can safely exchange them for the currency of the RBC wallet using a specialized online e-currency exchanger.

Withdrawal methods

To withdraw money from an electronic account, RBC Money users are given the right to choose:

• withdraw money on the map;
• transfer money to a bank account.

The only thing you will need to worry about before withdrawing funds is going through the identification process. You can withdraw money from absolutely any wallet you own, but only to the card or account of which you are the owner. To receive money, you must:

1. Go to your personal account and enter your bank details or your card number, for example, or any other card
2. Confirm the withdrawal of money and wait for it to be credited to your account or card

As for the issue of commission, it all depends on the conditions of your bank. However, its size almost never exceeds 3%.

Mobile app

A real breakthrough for small businesses was the development of RBK Money called RBK Card. The application developers themselves immodestly call this development the No. 1 service in Russia, which allows you to accept payments any bank cards directly from mobile phone, laptop or desktop PC. Using RBC Card for only 2.9% representatives of small businesses will be able to accept payments from bank cards. To do this, just install the application, register in an electronic wallet and start accepting payments from bank cards, after entering the data of your clients.

Having studied the reviews about the RBK Money product, I got the impression that this application somewhat damp. The fact is that users of the program universally complain about incompetent support service, rather long connections and frequent refusals to accept cards. I think this is precisely why the fact that at the moment the project has been sent for reboot.

Services for business

It is impossible not to note such a feature of RBC Money as support for working with various services for business:

• Connecting online stores. By connecting to the RBK Money system, customers of online stores will be able to purchase goods and services, paying for them with cards from such payment systems as Visa International, Mastercard Worldwide.
• Marketing of joint programs. Great opportunity free promotion products of your online stores or online services among RBK Money users. The essence of this interaction is as follows: you offer your customers some discounts or gifts for paying for purchases in your store using the RBC Money wallet, and in return you receive from the payment system the promotion of your special offers among payment system users.
• Accepting payments. Connecting to payment terminals of the RBC Money system allows you to increase the list of paid services and thereby attract new clients. Clients will have the opportunity instantly make payments in favor of online stores, and owners of payment terminals will be able to extract additional profit from RBC Money users from such interaction with the system.

Advantages and disadvantages of RBC Money

pros

To summarize, it is impossible not to note indisputable advantages of the system, which I would attribute to

Multi-level protection system

RBC Money offers several ways to secure client accounts, including:

• regular monitoring payments and other operations carried out by system users;
• setting up access to the wallet exclusively from personal computer and owner's phone number;
• possibility of use dual password system– you will need to enter a password not only when logging into your wallet, but also when performing any financial transaction.

Instant transaction processing

The lion's share of payments enters the system instantly.

Comfortable use

To actively use the payment options, it is enough that you have a smartphone or computer with Internet access at hand.

No commissions

The system does not charge its users an additional fee for using payment services. This allows all wallet holders to make purchases online at the price originally specified by the seller, without overpaying for system services.

Possibility of connecting an online store

To connect your own online store to your payment system, just fill out a special form on the system’s official website and wait until the operation is confirmed. As a rule, this takes A couple of minutes.

Minuses

As for the shortcomings, here I want to draw your attention to the following points:

Removal of commission for withdrawal of funds

For withdrawal of money through the CONTACT payment system, you will be charged 3.5% of the transfer amount. If you withdraw funds through Mastercard, the commission will be 2%.

Slow withdrawal of funds to bank cards

Despite the fact that the system instantly tops up accounts and pays for services, it takes quite a long time to withdraw funds from an electronic wallet to a bank card. On average, withdrawal of funds occurs within 2-3 days, but there are cases when this procedure is carried out within 5 days.

Summary

In conclusion, I would like to say that despite the minor imperfections of the payment system, RBC Money is still a fairly popular and highly sought-after payment system among users of Internet services. Ease of use, high speed of operations and reliable protection are the main advantages of the system. If you have not yet tried the payment options, I suggest you do so right now. Well, for now I say goodbye to you. See you soon!

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Freelancers use many electronic payment systems, and everyone chooses the most convenient one for themselves. As practice shows, the most trusted are such giants as WebMoney and Yandex.Money.

But there are no less interesting players in the financial market, albeit not as popular and not so widespread. the site decided to tell you today about another payment system- RBK Money.

About company

This is a Russian payment system designed for payments on the Internet, i.e. shopping in online stores, paying bills and other electronic transactions.

The history of the system began back in 2002 - then it bore the name. At that time, the system worked in Ukraine and Russia, and it was created by a group of Russian and Ukrainian developers.

In 2008, RuPay joined the RBK holding and changed its name to RBK Money.

This is a platform that allows you to make money transfers in various ways, including using Visa and MasterCard cards, and mobile transfers. You can withdraw money to a card or pay in stores, pay utility bills, or top up your phone.

The payment system cooperates with more than 40,000 online stores and serves about 6.2 million users.

System Features

RBK Money payments are accepted at 250 thousand points throughout the Russian Federation.

All payments in this electronic system irrevocable. This is done to protect against fraudsters who can withdraw payment after receiving the goods.

Almost all payments in the system are made without commission. You will only pay 2.95% for instant withdrawals(in normal mode, money arrives on the card within 24 hours).

The system offers cooperation to both online stores and offline stores. Entrepreneurs have the opportunity to accept payments online, including using credit cards. The commission is charged only for payment processing and is 3.9%.

Provided payment tracking system. Each transaction is assigned a unique number, by which you can check the status of the payment through the service. You will also immediately receive a notification report about the completion of the payment.

The RBK Money system provides all the necessary documents for accounting, which makes it easier for legal entities to cooperate with it.

Each registered user of the system can open an RBK Money debit card for free. The currency of such a card is Russian rubles. With its help, you can pay for purchases, withdraw cash, and also receive interest on your account balance.

Electronic wallets

Each user of the RBK Money system has the opportunity to create an electronic wallet. There are two types of wallets: unidentified and identified.

To create a wallet, you just need to register in the system. An unidentified wallet is created automatically. This wallet only allows you to pay for purchases in online stores, and the maximum amount of replenishment and transfers cannot exceed 15,000 rubles per day.

If this is not enough for you, you need to go through the identification procedure. To do this, you can send an application and a notarized copy of your passport by registered mail. The second option is identification through the CONTACT system.

As a result, you will receive a wallet from which, in addition to paying in online stores, you will be able to pay for purchases through systems cellular communication, money transfer system or payment terminals, addressed to a foreign organization, Russian non-profit organization; the maximum amount for replenishment and transfers increases to 100,000 rubles per day. If an unidentified wallet does not allow you to withdraw funds, then with an identified one you can withdraw up to 100,000 rubles.

Payment methods and wallet replenishment

The RBK Money system provides the opportunity to pay for purchases and top up your account online in several ways:

You can pay a bill or top up your wallet with a Visa or MasterCard bank card, either activated or not. The maximum number of payments per day is 6.

Through the CONTACT money transfer system (no commission);

Through Euroset communication shops;

In any branch of Russian banks, by bank transfer. The commission is charged according to the bank's tariffs;

Using Internet banking systems of the largest banks in the Russian Federation;

Through payment terminals, no commission.

RBK Money is a Russian payment system that is gaining popularity. Entrepreneurs with both online and offline stores should pay attention to it, since the system offers flexible and convenient conditions for cooperation and integration.

The RBK Money payment system is a good assistant for managing finances on the RuNet, interesting for both business and personal use. It is convenient for an entrepreneur to receive transfers from partners and accept payments for goods or services. Individuals can make purchases in online and offline stores, pay off utility bills, and top up their mobile phones.

EPS has been officially registered since 2008. In fact, it has existed since 2002, previously known under the RUpay brand. For all its versatility and functionality, the program is distinguished by its simple interface. It is quite capable of competing with such whales as WebMoney or Yandex Money.

Tariffs and commissions

RBC Money is attractive because there are no commissions for many transactions. Individuals can use the following services free of charge:

• Transfer (within one PS) money to a card.
• Pay in online stores that cooperate with PS.
• Receive statements, track payment history.
• Design and use “plastic”.
• Download the version for smartphone.

Note: If payments have not been made using the card for more than 60 days, the commission will be charged. It is 300 rubles per month (no tax is taken).

In fact, for individuals the tariff exists only for urgent transfer of money to another card or bank account. It is 2.95% of the transferred amount. You can transfer funds from your card to another bank for free within 5 business days. Authenticated users can use this feature.

For entrepreneurs, only transfers in their favor sent by individuals are paid (3.9% of each transfer). All other functions can be performed without commission or subscription fee:

• Connect your Internet resource and configure it to accept payments.
• Receive reports on cash receipts electronically.
• 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”, “Housing and communal services”). They differ from the main option in the interest rate that is charged on receiving money from individuals or payment utilities(tariff "housing and communal services"). There is also an individual plan, the terms of which are discussed with each entrepreneur separately.

Download all commissions and limits for 2017 at PDF format(44.0 KB).

Registration process

To create an RBK Money wallet, you do not need to pay. The process is free and simple. First, register on the website. It's no more difficult than setting up a new email account. In this case, only your full name and date of birth are requested (useful for password recovery). Login is Email.

Advice: It is better to immediately enter reliable data. This will simplify the process of restoring access to your account and will not become 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 daily replenishment limit is increased (up to 3000);
• The monthly withdrawal limit is increased (up to RUB 300,000).

For comparison: a standard wallet allows you to operate with an amount not exceeding 100,000 rubles per month, and topped up by 1000 per day.

For an extended wallet, passport data will be required. Scanned copies of the document are uploaded in your personal account, checked by a moderator and, after approval, a professional account is available.

Step one

Step two

System Security

Identification by passport is good because it enhances security. There are reviews on the RuNet about supposedly weak protection at RBC Money. 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 only possible if the full name of the account owner and the recipient match. When performing any transaction, a separate password is created for a specific transaction. Without knowing the code combination, the fraudster 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 payment transactions. 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 transactions are made or an account is opened.
2. Connect SMS notification and confirmation of financial movements via mobile phone.
3. Choose a secret question and answer to confirm initialization in case you lose your password. The answer should be easy, but carefully thought out, unpredictable for fraudulent social engineering.
4. Enable the “payment password” option and come up with a combination different from the one entered when logging into your account. Such double protection will allow you to make transactions with the least likelihood of hacking or interception of money.

You can log into your personal account from the mobile application (the program is downloaded for free from the official website). Before the session, a PIN code is entered. This prevents third parties from accidentally accessing the application.

conclusions

The RBK Money payment system can be trusted, despite its relatively short life, 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 your wallet and withdrawing funds, there is almost the entire range of possible options: through other electronic payment systems, to a bank account, by postal transfer, etc.

As of August 2018, RBK Money allows you to make transfers using Visa, MasterCard, American Express and Mir bank cards, mobile and online payments and other methods.

Performance indicators

As of the beginning of 2017, RBKmoney cooperates with more than 40,000 online stores and serves over 6.2 million users. Having a reception network Money, the total number of reception places exceeds 260 thousand and covers the entire territory of the Russian Federation.

According to the MARC research center at the end of 2015, RBK Money was used by 3% of Russian sites that accept online payments for goods and services. There are 88 thousand such sites in total. The most popular payment solution is Yandex.Checkout, which was used by 24% of sites at the end of 2015. Next come Robokassa (20%), Interkassa (5%) and Unitpay (4%).

The volume of the online payment market, according to the Russian Association of Electronic Associations, amounted to 588 billion rubles in 2015.

Story

2018

Resistance to loads, flexible architecture and scalability

On September 13, 2018 it became known that the RBK.money service had switched to an updated technology platform. The developed system is load-resistant, has a flexible microservice architecture and is easily scalable to process any number of transactions. In August 2018, the transfer of all RBK.money clients to the presented version of the platform was completed.

RBK.money clients have access to all popular payment acceptance tools: bank cards, electronic money and wallets, money transfers, Internet banking, payment terminals and others.

From a technical point of view, the RBK.money platform is built as a distributed architecture, the payment processing language shell is in Erlang - the language of telephone switches, invented by Ericsson, and has a completely open API.

When creating this platform, we were inspired by the well-known document in technical circles “Dynamo: Amazon’s Highly Available Key-value Store”, written by Amazon employees. According to him, “shoppers should be able to add items to carts even if hard drives fail, network infrastructure is disrupted, or data centers are destroyed by tornadoes. We created the payment platform using the same principle. The architecture of the platform is designed in such a way that we can scale and develop it without high costs for at least another 15 years.

One of the first partners to evaluate the presented RBK.money platform was the international payment system Mastercard. Thanks to their cooperation, RBK.money clients will be able to withdraw their funds to Mastercard business cards any day and at any time. The possibility of quick and convenient reimbursement is one of the main problems for small and medium-sized businesses that do not have free capital to solve operational problems. The joint solution of RBK.money and Mastercard will become popular and popular, representatives of the companies are sure.

The common interests of RBK.money and the Svyaznoy company in the C2C segment determined their partnership to create a product for making secure escrow payments.

Availability of Apple Pay, Google Pay and Samsung Pay

On August 31, 2018, the international payment service RBK.money announced that mobile payment systems Apple Pay, Google Pay and Samsung Pay became available to companies accepting online payments using the service. In order for the payer to display the payment method corresponding to his device, the recipient - the RBK.money client - does not need to additional settings, the system will connect automatically.

Apple Pay, Google Pay and Samsung Pay systems allow you to use mobile devices pay for purchases online and in one touch regular stores. The listed systems do not store the user’s bank card data on their phone or on their phone. They use virtual number, which increases the security of this type of payment, explained RBK.money. To make a payment, the device owner needs to enter a PIN code or confirm his consent using any of the biometric methods available to him.

The RBK.money service supports the integration of payment systems with both web resources and mobile applications. To accept payments from anywhere in the world, RBK.money connects organizations to bank cards, electronic money and wallets, Internet banking, payment terminals, and other payment tools.

As of August 31, 2018, in the RBK.money system, the share of payments using payment solutions from Apple and Google reached 3%. At the same time, the growth of this share over the past month was 34%, noted RBK.money.

Confirmation of compliance with PCI DSS 3.2 requirements

On August 6, 2018, the RBK.money payment service confirmed compliance with the data security standard for payment cards PCI DSS (Payment Card Industry Data Security Standard) Level 1 version 3.2. The received certificate confirms that the RBK.money service ensures the security of transactions taking into account the current technical and operational requirements of the standard.

The audit for compliance of the RBK.money payment service with the international standard PCI DSS Level 1 was carried out by SRC Security Research & Consulting GmbH.

The PCI DSS standard defines the requirements for technical systems, security measures, administration and business processes in organizations involved in processing cards of major international payment systems (Visa, MasterCard, American Express, Discover and JCB). The RBK.money service has passed all checks according to the on-site audit procedure. The technologies and approved processes implemented in the system ensure a high degree of protection of cardholder data.

One of the most important changes to PCI DSS 3.2 relates to the implementation of a compliance program to ensure that all parts of the organization that handle cardholder data remain in compliance with the standard at all times. Also, from July 1, 2018, the use of insecure protocols (SSL and TLSv1.0) when transferring card data to open networks, including between the user’s browser and the payment page of the service provider. This should minimize the possibility of attacks aimed at compromising payment data due to the fault of cardholders themselves using outdated browsers and unsupported devices.

Transition to an updated technology platform

At the same time, in a letter to the FSB, in which Sergei Mayzus asks law enforcement officers to pay attention to the situation (a copy is available to Lenta.ru), it is stated that at the end of 2012, RBC Money LLC became completely insolvent.

Representatives of Mayzus Property Management accuse the management of the payment system of fraud. After “in 2011-2012, RBC Money LLC fraudulently misappropriated the money of RBK Money clients in the amount of over 150 million rubles, RBC PJSC transferred the well-established payment system and all liquid assets to its subsidiary, NPO EPS LLC.” - leaving a large debt on the deprived of business and deliberately bankrupt RBC Money LLC,” says the complaint about the inaction of law enforcement agencies by the director of Mayzus Property Management Sergei Mayzus dated October 29, 2019 addressed to President Vladimir Putin (the editors have at their disposal, copies of the letter sent to the FSB, the Ministry of Internal Affairs and State Duma deputy Alexander Khinshtein).

That is, from a legal point of view, the payment system currently has nothing to do with RBC Money LLC. It is controlled by the NPO "EPS".

“RBC Money LLC transferred more than 23 million rubles free of charge to the accounts of NKO EPS LLC and transferred to offshore companies trademark RBK Money, domain rbkmoney.ru, software, without payment, ceded to a Cypriot company the right to claim a debt in the amount of 18 million rubles from RBC PJSC, and also alienated other receivables in the amount of over 275 million rubles without receiving any funds to the accounts of RBC Money LLC,” - this is already mentioned in the complaint to the Investigative Committee of Russia and the Control Directorate of the President of Russia.

The businessman is confident that since “2009, the management of RBC and its subsidiary LLC RBC Money have created a scheme for tax evasion, legalization (laundering) of criminally obtained funds, as well as the illegal withdrawal of currency abroad.” According to expert opinions dated October 30, 2019, the real market value of the trademark and domain alone in 2012 was 199.5 million rubles, the domain was sold in 2013 to the British company RBK Money Limited for only 4.9 thousand rubles, and the trademark sold to Cypriot RBK Money Holdings Limited for 2.3 million rubles. A detailed analysis of the company's financial statements shows that by 2011, the total debt on the company's obligations was more than 650 million rubles.

Sergei Baryshnikov, former general director of RBC Money, according to Lenta.ru's source, explained the debt to Insta Dealing LLC as follows:

NPO "EPS", having received a promoted payment system, also had to take on the debts of RBK Money. Although Denis Burlakov spoke about this, nothing like this happened. Representatives of RBK Money communicated with the injured party for three years, promising to return all funds. In particular, the chairman of the board of the NPO EPS, Kirill Burlakov, in his letter to Sergei Mayzus dated April 13, 2014 (a copy is available to Lenta.ru) promised to repay the entire amount of the debt by the end of January 2015. But out of 141.9 million rubles, RBC Money paid only a small part to MAYZUS Property Management: first 13.2 million, and in October 2014 - 4 million rubles. In 2015, when the statute of limitations in the Mayzus Property Management case expired, RBC Money LLC entered the bankruptcy stage, and all assets were transferred to NPO EPS, an affiliated company.

In August 2018, representatives of the payment system told TAdviser that Mayzus’ statements about “the intention to bankrupt the RBK Money payment system” and “about satisfying claims in the summer of 2016” were untrue. Mayzus has never been a client/merchant of the RBK Money payment system and has no other commercial or financial relationship with the payment system.

"We are aware of the existence of a Russian legal entity - RBC Money LLC, which is owned by Trigale Investment Ltd and Eastbound Limited, and to which Mayzus probably has financial claims. This is a Russian entity has no relation to the RBK Money payment system and has never been part of the RBK Money group of companies led by the Cyprus holding company RBK Money Holdings Limited. The payment system RBK Money (updated brand - RBK.money) operates on the territory of the Russian Federation in accordance with the law through its own operator NPO "EPS".

2016: Denis and Kirill Burlakov become the head of the company

In October 2016, the RBK Money payment system announced rebranding, a change in management and technology platform.

The service is changing the logo and website design and moving to a new technology platform. The management at RBK Money also changed: Denis Burlakov, a member of the board of directors and owner of 10% of the company, became the general director, replacing Andrei Morozov in this position. The position of chairman of the board instead of Denis Burlakov was taken by his brother Kirill Burlakov (also owns 10% of the company).

“We plan to launch a new technological product; changing the company’s strategy is an integral part of its reboot,” RBK Money emphasized.

2015: Delays in paying funds to clients

In 2015, RBK Money experienced delays in paying funds to clients, which the company explained by “falling oil prices and other economic shocks.” A representative of the payment system, in particular, confirmed to vc.ru that RBK Money had to increase the time frame for withdrawing funds “due to the unstable situation in the market and the bankruptcy of some partners.”

2014: Managers bought the company from RBC for 18 million rubles ($0.5 million)

Later it was reported that RBC sold the company at a loss, while the company retained the old brand; RBC decided not to challenge the use of its trademark.

2013: Audit according to the PCI DSS standard

The RBK Money payment service received another certificate confirming the required level of compliance with established security standards when storing, processing and transmitting payment card holder data.

The RBK Money certificate was issued based on the results of an audit conducted to ensure compliance with the requirements of the PCI DSS standard (Payment Card Industry Data Security Standard). The requirements of the International Payment Systems (IPS) for payment services are characterized by strict checks.

According to both the Visa and MasterCard classifications, systems that process, store or transmit data on more than 6 million transactions per year are classified as Level 1 and are required to undergo an annual audit.

2012

Turnover at the end of the year was 15 billion rubles on 12 million transactions

The turnover of the payment service at the end of 2012 amounted to 15 billion rubles, the number of transactions during the reporting period reached 12 million. Meanwhile, the number of registered users increased to 3 million people, and the number of online stores accepting payments through RBK Money reached 30 thousand Thus, in total for 2010-2012 the company grew 10 times in terms of key indicators.

The company's staff consists of 150 people, they service 25 thousand electronic stores around the world. 3 million people are registered in the system. You can pay for goods through the RBK Money payment system using more than 200 in various ways. In Russia, the company works with plastic card operators Visa and MasterCard - up to 75% of payments are made using bank cards. The RBK Money payment service can be integrated into the interface of any online store - the client usually does not even know that he is paying for purchases through RBK Money, since registration is not mandatory, and the payment system interface can be fully integrated into the store’s website.

In addition to servicing online stores, RBK Money is developing other types of services. One of the projects launched in the last year is the system for providing bonuses RBK Offers.

The service offers customers who pay for goods in a store through a payment system to receive an additional bonus - a discount on the purchase of related products in partner stores. A visitor to the store can choose the offer he likes and immediately receive a promotional code for the corresponding discount.

Another additional service is the RBK Travel web travel preparation system. It allows the visitor to build his own tour by choosing a flight route, hotel and transfer to it, combining them from offers from different companies. The system generates several travel options, from which the visitor chooses the most convenient one.

The RBK Card project offers stores a compact reader for accepting money from plastic cards using a phone or tablet computer. The device is inserted into a standard connector for connecting mobile headsets and requires installation special application for Windows, Mac OS, iOS or Android platforms.

The reader itself, the application, and registration are free for the seller - only a commission of 2.9% is paid. According to RBK Money, if a store accepts payments by bank cards, this increases the average check size by 30%.

Another project of the company should be the gaming portal RBK Games. It is planned to bring foreign manufacturers of free for players to Russia network games. The company has already developed a portal for organizing games with its own game currency and published an API for game developers.

Integration with popular ones in Russia has also been implemented. social networks“VKontakte”, “Odnoklassniki”, “My World” and Facebook regarding visitor authentication. The RBK Games portal itself is planned to be launched in the first quarter of 2013.

The company received a license to participate in the National Payment System and plans to continue developing its services in 2013. In particular, Andrey Morozov, managing partner of the company, considers digital distribution a promising area - the distribution of codes for online games and other content on the Internet.

The RBC Board of Directors approved the sale of RBK Money for $8 million, but the deal did not go through

At the end of August 2012, the RBC board of directors approved the sale of 74% of the RBK Money payment system (that is, the entire share owned by RBC) to the Cyprus holding Trigale Investments Ltd. The announced amount of the transaction is $8.44 million. According to Izvestia, the offshore company acts in the interests of RBC Money CEO Andrei Morozov, who before the transaction owned the remaining 26% of the company.

RBC CEO Sergei Lavrukhin told the publication that RBC “will continue to cooperate with RBK Money.” In addition, after RBK Money was recognized as a non-core asset and information about the impending sale circulated throughout the market, RBC launched the RBC Travel service on its platform (search for airline tickets and hotels).

RBC Roem.ru said that the RBK Money brand will remain with Trigale Investments limited for a certain period. RBC Travel is a project of RBK Money and was transferred to a new owner as part of a completed transaction.

As representatives of RBK Money later told TAdviser, the Cyprus holding company Trigale Investment Limited, controlled by OJSC RosBusinessConsulting, initially owned the RBK Money payment system after its acquisition in 2008 from the founders of the service. In 2012, as part of a plan to sell non-core (non-media) assets, RBC OJSC was going to sell the RBK Money payment system to a strategic investor, but the deal did not take place.

Registration of a credit organization with the Central Bank

The RBK Money company reported in the summer of 2012 that the NPO Electronic Payment System (NPO EPS LLC) was included in the Book of State Registration of Credit Institutions of the Central Bank of the Russian Federation under number 3509-K dated June 27, 2012. The company had to take such a step in accordance with the law “On the National Payment System,” which obligated all electronic money systems to operate either as banks or as non-profit organizations from the end of 2012.

The new structure became the operator of electronic money and the international payment system RBK Money in accordance with the Federal Law “On the National Payment System” No. 161-FZ. This innovation will allow RBK Money to expand the range of services provided and increase the reliability of the system for both users and partners.

2011

Increase in the number of transactions by 5.8 times

In 2011, RBK Money's income increased 6 times; in the second half of the year, the company's monthly revenue growth averaged 20%; RBK Money was the first among electronic payment systems to cancel all fees for users; the number of system users exceeded 2,500,000 people.

• The turnover of accepting payments from bank cards at the end of the reporting period (December 2011) increased by more than 10 times compared to the same period in 2010;
• The number of transactions completed in the system increased by 5.8 times;
• The list of online stores from Russia and foreign countries connected to the system increased by 4,039 (from 20,304 to 24,343 stores);
• The commission for system users for all operations was 0%;
• 100% protection is provided for partners and users from possible types of fraud when conducting transactions in the RBK Money system;
• 217 methods of payment, replenishment of funds and money transfers around the world became available to users of the system;
• Appeared mobile app RBK Money for iPhone.

Sberbank is considering the possibility of purchasing the service from RBC

RBK Money confirmed in December 2011 that Sberbank is showing interest in the electronic money operator. A source at Onexim said that the deal with Sberbank could be concluded before the end of the year:

“By the end of December, everything will be decided: either the owners of RBK Money come to an agreement with Sberbank and sell the company, or develop this resource independently.”

According to experts, in 2010 the volume of replenishments to electronic wallets in Russia increased by 75% and amounted to about 70 billion rubles. According to experts, by the end of 2011 this amount will reach at least 140 billion. The number of active users of electronic money in Russia last year increased by 50% compared to 2009. In 2010, there were about 30 million open electronic wallets. In this, according to the forecasts of the President of the National Partnership of Microfinance Market Participants, Mikhail Mamuta, the increase in their number will be 70–80%. The main players in the market are QIWI Wallet, WebMoney, Yandex.Money and companies related to mobile commerce (control more than 90% of the market). Market leaders accept electronic money for payment in about 2–4 thousand online stores. The main source of income for electronic money operators is commissions paid by users on transactions.

For banks, entering the electronic money market is also a way to attract new customers and increase the loyalty of existing ones, adds Nikita Ignatenko, an analyst at the Investkafe analytical agency. The intention of the operators themselves to sell the business is largely due to the adoption of the law “On the National Payment System”, according to which, by October 1, 2012, they must become a non-bank credit organization, having received the appropriate license from the Bank of Russia. Such small operator electronic money, like RBK Money, will be difficult to service your own credit institution, Mamuta notes: “I think selling to a strategist for RBK Money is a reasonable policy.”

Today, banks consider such an asset not from the point of view of the cost of the product itself, but as an entrance ticket to the electronic money market. The competitiveness of an operator controlled by a large bank will depend on how its owner will develop the project in the future. “It will be difficult to attract clients of today’s leaders – Yandex.Money, WebMoney. Considering the growth potential of the market, we should rely on new users, building the right development strategy,” believes Mamuta.