Rbk money payment system works. RBK Money: we say goodbye to the commission of payments
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, you need 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 RUB 300,000;
- 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 amounted to 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 one or another tariff or even completely canceling 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:
Ways to replenish the wallet without commission |
||
| Agent | Commission | Terms of enrollment |
|---|---|---|
| VISA, MasterCard * | 0% | instantly |
| Through the terminals of "Russian Post" and in the IS PKT "WinPost" | 0% | instantly |
| MTS communication salons and terminals of MobileElement salons. | 0% | instantly |
| Bank payment through Uralsib bank | 0% | 1-2 business days |
| Money transfer system "CONTACT" | 0% | up to 2 hours |
| Money transfer system "Leader" | 0% | instantly |
| Money transfer system "Zolotaya korona" | ||
| Internet banking of Uralsib Bank (Moscow) | 0% | 1-2 business days |
| Payment terminals AMEGA, Eleksnet, X-Plat, Multi-Kassa, Express-Payment, SkySend, Svobodnaya Kassa, Unikassa, Pinpay express, Unified System of Urban Payments "," Quickpay "," Money-Money ", Federal system" City "," Forward Mobile ", CiberPay. | 0% | instantly |
Other ways to top up your wallet |
||
Through ATMs from any international bank card |
||
| VTB 24 | instantly | |
| Masterbank | 1% (not less than 100 rubles) | instantly |
| Uraltransbank | 3% | In 2 hours |
| Rapida | from 2% | instantly |
Communication salons |
||
| Euroset | 2% | instantly |
By bank payment |
||
| VTB 24 | 4% (not less than 300 rubles, but not more than 3000 rubles) | instantly |
| Federal system "City" | 2,95% | instantly |
| Rapida | from 2% | instantly |
| OTP Bank | 3% | instantly |
| 3% | 1-2 business days | |
| PrivatBank | 2% (at least 20 rubles) | 1-2 business days |
| Rus-Bank-Ural | 3% | 1-2 business days |
| Ural Bank for Reconstruction and Development | 2,9% | 20 minutes |
| Sotsgorbank | 3% | In 2 hours |
| Bank24.ru | 2,9% | instantly |
Top-up via internet banking |
||
| OCEAN Bank | 1% | instantly |
| VTB 24 | 1.5% (at least 15 rubles) | instantly |
| OTP Bank | 1,5% | instantly |
| HandyBank | 3% | instantly |
| Yekaterinburg Municipal Bank | 3% | 1-2 business days |
| UralTransBank | 3% | In 2 hours |
| Bank24.ru | 2,9% | instantly |
Through payment terminals |
||
| Alt Telecom | 3% | instantly |
| Comstar | up to 5% | instantly |
| "Single Settlement Center" | up to 5% | instantly |
| "MasterPort" | to 10% | instantly |
| "KET" | up to 5% | instantly |
| "Forward Mobile" | no more than 5% including terminal commission | instantly |
| "Orange" | 7% | instantly |
| "Mobile City Payments" | 3,8% | 20 minutes |
| "Volgo-Kamsky Bank" / td> | no more than 5% | instantly |
| "Messenger" | 3% | crediting in 2 hours |
| "Siberian Payment Systems" | up to 5% | instantly |
| "Regionpay" | up to 5% | instantly |
| "Absolute Fee" | up to 5% | instantly |
| "Ugra-Express" | up to 5% | instantly |
| "Sibplat" | up to 5% | instantly |
| "RegPlat" | 1%** | instantly |
| "RosExpress" | 0,5% | instantly |
| "e-port" | 3%** | crediting in 2 hours |
| SprintNet | 3%** | crediting in 2 hours |
| "E-transfer" | 2%** | instantly |
| "Savings bank GLOBAL" | up to 5% | instantly |
| "Platimo" | up to 5% | instantly |
| "Instantly" | up to 5% | instantly |
| "NOVOPLAT" | 1%** | instantly |
| "Unikassa Irkutsk" | up to 7% | instantly |
| "Express Payment" | up to 5% | instantly |
| "Easy and convenient" | 5% | instantly |
| "Express-Cashier" | up to 5% | instantly |
| "CashBox" | up to 5% | instantly |
| "Comepay" | 1%** | crediting in 24 hours |
Top-up with RBK Money prepaid card |
||
| At the rates of agents, including the cost of card delivery. | ||
Through money transfer systems |
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| Unistream | 1% * - 2%, but not less than 50 rubles. | instantly (on weekdays) |
By postal order |
||
| Post office | 1.7% (excluding VAT), but not less than 25 rubles per translation | 3-4 working days |
Electronic currencies exchange |
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| Via Yandex.Money | 4% | instantly |
| Through exchange offices | at the rates of the exchange office | instantly |
| UCash voucher | 5% | instantly |
* 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 must be provided during a bank transfer to deposit funds to the 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
| System | Commission | Terms of enrollment |
|---|---|---|
| To RBK Money MasterCard | 2% | 3-5 working days |
| By postal order | 3% + (1.7%, but not less than 25 rubles, excluding VAT) | 2-3 working days |
| Without opening an account using the CONTACT system | 3,5% | 24 hours |
| To a bank account of an individual | 0% | 3-5 working days |
| To a bank card | 0% | 3-5 working days |
| To a Yandex.Money wallet | 4% | instantly |
| Purchase a UCash voucher | 0% | instantly |
| Exchange of electronic currencies (withdrawal to wallets of other electronic payment systems) through exchange offices | See the conditions on the sites of exchange offices | |
RBK.money is an international payment platform providing services for online companies and individuals in over 60 countries. RBK.money payment service is a platform for making payments in various ways, including: Internet acquiring, mobile and online payments, contactless payments Apple Pay, Google Pay and Samsung Pay, VISA and Mastercard bank cards, escrow, merchant acquiring, auto payments, splitting and others - more than 10 payment methods are available to the company's clients.
Since its founding in 2002, RBK.money has grown from an internet entrepreneur startup to a leading payment provider with offices in many countries. The company has created a number of innovative products: the first electronic wallet in Russia (2002), the world's first financial marketplace (2007), and the first virtual payment card in Russia (2013). The brand got its new name, RBK.money, in 2008, after being acquired by the RBC holding.
The RBK.money brand brings together companies that provide payment acceptance services for online businesses and individuals. The partnership of NPO Electronic Payment Service (license of the Central Bank of the Russian Federation) and Direct Payment Limited (license of FCA UK) allows working with clients all over the world. The operator for the transfer of funds in the RBK Money system is NPO "EPS" (person No. 3509-K, issued by the Bank of Russia on February 11, 2013).
Currently RBK.money cooperates with more than 30,000 clients and serves over 8 million users in 60 countries of the world.
Led by Denis and Kirill Burlakov since 2015, the company has developed an innovative IT structure, a new technology platform and modernized its business.
More information about the company on the official website: rbk.money
The RBK Money payment system appeared after the Rupay name was changed as a result of its purchase by the media holding RBC Information Systems in 2008. The credit organization NPO EPS LLC has become the new owner since 2012. It operates throughout Russia. The year 2016 has been declared the year of reboot, global rebranding. During the existence of RBK Money, there were both negative reviews and facts of fraud, and now the team is going to improve the position of the payment platform.
Registration on the RBK Money platform
It is not difficult to open an electronic account. To do this, you need to follow the link rbkmoney.com/ru/koshelek-rbk-money. Be sure to fill in the fields marked with an asterisk.
Do not allow RBK Money service password to coincide with passwords from other payment platforms.
After filling in the required data, go to the account security settings page. We indicate the payment password, the answer to the secret question and enter the captcha. A letter with instructions for activation will be sent to the specified e-mail. The platform is available to legal entities and individuals. Registration in the RBK Money service is free. 
To log in to the system, as well as to view the balance and other account data, you must enter the login password. When making payment transactions in RBK Money, transferring and exchanging funds, the system will require you to enter the so-called RBK Money payment password. This is for added security.
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Types of wallets
After registration, a standard RBK Money account becomes active, of course, which has certain restrictions. You can upgrade your RBC Money email account to an extended one by confirming the owner's personal data.
Owners of improved wallets have the following advantages:
- monthly limit of 300,000 rubles;
- commission for transfers 0.3%;
- withdrawal of monetary assets in the amount of up to 300,000 rubles;
- exchange for electronic money 100,000 rubles. per month.
You can confirm your personal data by submitting a completed application in the prescribed form (we certify it with a notary and send it by mail). You can also come with a passport to the Contact transfer point and send 50 rubles. to your account.
Account replenishment in RBK Money
You can deposit money to the wallet in the following ways:
- using internet banking;
- by putting money in a payment terminal;
- Bank transaction;
- in the salons of Euroset;
- money order;
Replenishment via Internet banking is instant, and no commission is charged. When paying or replenishing through the terminals Eleksnet, DeltaPay, Comepay, Rapida, select the required provider and insert the bills. The commission is 0%, crediting to your RBK Money account is instant. Crediting to the account by bank payment is made up to 3-5 business days, and a commission is charged in accordance with the bank's tariffs.
No more than 200,000 rubles, available only to residents of the Russian Federation. At any “CONTACT” point on the territory of Russia, the commission for crediting to RBK Money is not charged. Using electronic Webmoney, Mobile wallet, Yandex Money and others, you can replenish RBK Money wallet. Commission is charged.
RBK Money exchange
Naturally, the RBK Money platform is integrated with various payment systems. In particular, an exchange is carried out for Webmoney and Yandex Money. On the website banks.webmoney.ru you can arrange the exchange of Webmoney to RBK Money. To do this, you need to issue a formal Webmoney passport and an extended one in RBK Money. After that, you need to specify an account in RBK Money in the "Link account / card" menu. After merging, we make an exchange.
Exchange exchanges are also actively used, for example, BestExchangers.ru. More information about the exchange can be seen in the following video:
Security, protection against fraud
RBK Money positions itself as a multi-level secure system. Previously, there was a program called "100% guarantee". According to this program, you are fully insured against the theft of your money, and if this happens, which is unlikely, the resource will fully compensate your damage. 
In case of problems with fraudulent activities, you must write to the technical support, which works around the clock. By describing the problem to the security service, RBK Money will protect you from fraudulent schemes. However, in practice, it is not uncommon to mention cases of debiting money from electronic accounts, there are problems with withdrawing funds.
Security is ensured by two separate passwords, it is also possible to enter control by IP address. The payment procedures at RBK Money are applied using SSL cryptography with a 128 bit key. In addition to the above measures, there is protection against chargebacks (chargebacks) and fraud (for example, theft of card data on the Internet). At least that's what the website assures us.
Let's summarize
In conclusion, we note that the RBK Money electronic payment system has certain advantages, namely: replenishment without a commission, instant payment, more than 250 thousand points of crediting of funds throughout the Russian Federation, good integration with online stores, work with 120 different currencies. However, you can also find negative reviews about RBK Money. These are rather high tariffs, difficulties in work for CIS residents, the absence of special programs to popularize the service. In 2016, the service is pursuing a policy of global changes, from design to the platform itself. This is for added security.
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 communications. 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 RBK-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 withdrawn. Commission costs are also not subject to the withdrawal of money from the wallet to a bank account / plastic card and return of money to the sender of the transfer (payer). A complete list of tariffs operating within various tariff plans can be found on the official website of the service.
The company has been known under this name since 2008. Until that time, it was called Rupay and was also quite in demand. The system was founded jointly by Russian and Ukrainian programmers and economists.
By and large, RBK Money does not offer customers anything fundamentally new (at least for now), which would significantly distinguish the system from competitors.
With RBK Money wallet, you can:
- send money to system participants and accept funds from them;
- pay for services and goods of various companies (including housing and communal services - the list of system partners is very long).
As you can see, everything is standard. Therefore, let's go through each point of cooperation with RBK Money in order to determine the specifics of the system's operation.
Registration in RBK Money
Naturally, to get started, you need to register and create a wallet (the system currency is Russian rubles). There are two levels: identified and unidentified. It is clear that in the beginning the status will be with the prefix "not".
This is corrected by passing identification, but more on that below. In the meantime, let's look at what is the difference between wallets? And the difference is in the possibilities. The identified person has more of them. Firstly (in addition to paying for goods in online stores), the owner of such a wallet can exchange funds for other currencies.
Also, the owner of an identified electronic wallet is increased the limits on withdrawal, deposit and transfer of funds. In addition, such a wallet can be replenished by a legal entity. According to the rules of the system, one wallet is tied to one email address.
Identification can be done in two ways:
- It is necessary to print the application from the official website and fill it in in block letters. Then you need to make copies of your passport. Together with these documents, the client goes to a notary, who certifies copies of the passport and the signature on the application. Then the documents are sent by mail to RBK Money, which, within 10 days after receipt, changes (if everything complies with the rules) the status of the wallet to "identified".
- You can go through the identification through the CONTACT system. To do this, you need to come with a passport to the CONTACT payment acceptance and dispatch point, tell the employee the wallet number and pay the receipt. The cost of the service is 200 rubles, of which 150 is the system's commission, and 50 rubles. are credited to the client's account.
Of the nuances, it should be noted that RBK Money reserves the right to require the user to be identified at any time. And until he does this, the system has the right to block the conduct of expenditure transactions.
Replenishment of RBK Money wallet from a card
This action can be carried out in several ways: using a payment card or bank transfer, through the Russian Post, money transfer systems (CONTACT, Zolotaya Korona, LEADER), Internet banking and in communication salons (MobileElement, Euroset, Svyaznoy, etc.).
The variety of ways pleases the eye, but we will dwell in more detail on the one associated with plastic cards.
To top up RBK Money wallet using your bank card, you first need to add it to the system. To do this, enter your account on the website and find the "Bank Cards" tab. The adding process starts automatically (you will have to enter personal data and card information). Following the prompts of the system, you will reach the moment when the addition of the card must be confirmed.
The amount on your account is blocked (from 1 to 7 rubles). Within 10 hours, the system participant must enter the blocked amount in the field, a kopeck to a kopeck. After going through the formalities, the money will be returned to your card.
Withdrawing funds from the RBK Money system to the card
You can withdraw money in three ways:
- To a bank card.
- To a bank account.
- Through the CONTACT system (commission - 3.5%).
We are especially interested in the first method. And immediately about the main thing - you can withdraw money from the system only to a ruble card of a Russian bank. To do this, you need to select the appropriate section in your personal account and enter the card account details.
Funds are withdrawn within 3-5 working days.
RBK Money tariffs and restrictions
Finally, we come to the fun part. Let's start by replenishing the wallet using a bank card (no commission is charged).
- The maximum size of one transaction for replenishment is 50,000 rubles.
- The maximum possible amount of transfers per day is 300,000 rubles.
- The number of transfers per day is 6 transactions.
As for the withdrawal, an individual can withdraw no more than 10,000 rubles for free. per month. The withdrawal of a larger amount is carried out by urgent withdrawal (not 5, but 3 working days), for which a commission of 2.95% is charged.
Conclusions about the system
Of course, RBK Money has attractive features. Among them, it is worth noting that the user does not need to install any programs on the computer - all work is carried out through the site, which, by the way, has a convenient and intuitive interface. Right here you can also monitor the status of the payment made. In addition, if you have any questions, you can contact the online consultant at any time.
Another positive point is the low commission. And the use of funds within the system (transfer to other users or payment for goods and services) is generally free. This is the main advantage, after which it is possible not to talk about the shortcomings. Because replenishment is free, payment and transfers too. What else is needed?
Yes, one more plus - the user can optionally allow logging into the system only from a specific IP address, and transactions in RBK Money are protected by a multi-level security system.
Generally speaking, "on paper" RBK Money EPS looks stronger than many competitors, which we have already talked about at Credit-Card.