The universal payment service MOBI.Money is a complex set of tools that allow you to carry out money transactions and electronic mobile payments. The technologies used by the system are based on the achievements of the PayCash Group, created in 2003. Today the MOBI.Money system owns the intellectual property rights of the PayCash Group of Companies.

legal information

The company was founded in 2009 as a closed joint stock company. The owner of the securities is VTB - Venture Fund. The bank "Tavrichesky" is the payment guarantor. The main office of the payment service is located in Moscow. Main business: mobile payments and e-commerce. The MOBI.Money system conducts financial transactions on the basis of the BR license No. 3523-K. The license was issued on December 6, 2013.

In 2010, the electronic service was the first to introduce the technology of payment for services using mobile payments. Currently, in addition to this service, MOBI.Money offers the following services:

depositing funds to a mobile number account using an SMS notification. The service is known as "3115.ru";
mobile transactions (Beeline and Unistream partners);
payment for "SkyPay" communication services. Replenishment occurs instantly (payment is possible via SMS-notifications or the Internet;
innovative service Pay2Day (under development). Focused on paying for utilities.
Service MOBI.Money as of 2015 is used by more than 14 million people. The principle of the system is reduced to payment, which is carried out using the phone. The money comes from a phone account or a bank card attached to the number.

Typical differences of the electronic payment system from other services:

no need to open a bank account;
an ordinary phone can be used for payment (you do not need to download and install anything to pay);
money comes instantly;
a clear way to conduct transactions;
An alternative to using SMS messages is a global network.
To create an account, the MOBI.Money system requires a phone number, after which he receives a password to enter the system. Since the key source of finance is a phone or plastic card account, funds are deposited in traditional ways. For transactions, a commission is charged, the amount of which varies from 0% to 5%. The commission fee depends on the type of services or goods that the user purchases, as well as the object of trade.

Partner offers

The multifunctional system can be integrated into any financial enterprise, from an online store to a bank.

Bank card transactions

All customers who create an account in the MOBI Money system can pay for online purchases using a plastic card. This payment method is completely secure. Transactions that are carried out in the global network with the indication of the card number carry a significant amount of risk. By using the payment service, customers can make purchases quickly and completely securely. The following types of bank cards can be used as payment:

VISA;
JCB;
Diners Club;
MasterCard (except for Electronic cards).
The service can be used by subscribers of almost all major mobile operators, for example, MegaFon, Beeline and others.

How do you pay?

After registering in the system, the client needs to link his bank card to his account. After that, the user can choose a service or product that is presented on the official MOBI.Money website. The transaction can be performed via SMS or directly on the companys website. At the same time, the client needs to enter information about the payment card only once (when linking it). When making frequent payments, the client has the option "repeat", which allows using templates and not entering the recipients details every time.

The following types of cards are not allowed for making payments:

American Express
"Maestro";
"STB Card".
All goods and services presented on the service website are available for payment. In addition, the MOBI.Money system ensures the efficiency of payments, guarantees customers data on the possibility of a transaction in favor of a particular product (service), and also informs the payer that the seller has accepted the order. In the event that the payment fails, the funds are returned to the users account with a corresponding notification.

In order to cancel the transaction, the payer needs to contact the support service. The application can be made on the companys website or use the phone number 8-800-555-3115. According to the terms and conditions provided by the MOBI Money system, an application to cancel a transaction can be submitted within 10 days.

Reasons why a payment towards a service provider may not go through:

absence from a financial institution (bank);
debit or credit card is inactive (blocked);
the security system interrupted the operation (potential threats to the parties);
insufficient amount of funds on the card;
the amount of funds that can be used for payment has been exceeded.
Restrictions for MOBI users. Money for using a bank card provides for no more than 3 transactions within 24 hours. Only one card can be connected to one number of any mobile network operator. In addition, there are other restrictions, namely:

for telephone services during the day, you can use funds in the range of 100-500 rubles;
limits provide for replenishment of the telephone account in the amount of no more than 1.5 thousand rubles per day;
it is allowed to disconnect (connect) a bank card once within 24 hours.
Payment for other goods is carried out in accordance with the rules presented on the official website of the payment service.

Security of transactions in the MOBI.Money system

Not a single financial transaction in EPS goes through without notification to the users phone. The details of the clients bank card are used once, namely during its connection to the payment service. The PIN-code of the bank card is not entered during registration and when carrying out monetary transactions. Data encryption is performed by the latest security systems that comply with international standards.

In addition, the developers of the MOBI.Money payment system have set strict limits that limit the possibilities of fraudsters. The client gets the opportunity to use a debit or credit card only after confirmation of the fact of its ownership. At the first connection, the system requires a payment in the amount of 1 to 10 rubles. After that, the user will have to contact the bank in order to find out the exact size of the "checksum". Only after providing this information to the employees of the MOBI.Money company, the bank card can be connected to the phone number.

In general, the entire security system provided by the MOBI.Money system can be represented at the following levels:

using a password to log into an account, make payments, view transaction history. All options are available exclusively to the owner of the phone;
protection with SSL encryption. All data is transmitted through closed channels and cannot be used by third parties;
additional confirmation of payments. Thanks to this option, the client has the opportunity to check the recipients details once again, and, if necessary, cancel the transaction;
licensed providers, operators, stores and other companies. All organizations that are available to clients of the Money service are partners. Legal agreements have been concluded between them and the payment system. Therefore, fraudulent actions on the part of the seller of the goods or service provider are excluded;
round-the-clock support service for clients (payers);
control of transactions by the EPS security service. The payment platform stores on servers all information related to completed and canceled financial transactions;
the use of closed proxy servers on the companys website is prohibited.
One of the ways to provide additional security for each financial transaction is the introduction of an electronic digital signature. Thanks to the EDS, the recipient or sender of funds can identify the author of the message. Alternatively, the system offers to use a “blind” electronic signature, which protects transactions and other personal data from the administration of the payment system and a banking institution.

The modern MOBI.Money system meets all security requirements and provides its customers with the highest level of service. In accordance with the requirements of the legislation, the service does not serve virtual casinos, portals of erotic content, as well as PSs that allow you to withdraw funds in favor of third parties.

As of 2016, the company plans to implement a project that will expand the capabilities of services and provide users with a function to withdraw funds.

Payment Provider Assist is a major service provider in the e-commerce industry. The service provides comprehensive payment processing services to Internet companies, financial institutions and merchants. Clients and partners of the company have the opportunity to pay for services, as well as accept cashless payments through the global network and terminals. As of 2016, the Assist system maintains partnerships with 3 thousand organizations in the post-Soviet space.

Assist first announced itself in 1998 as the first service to provide electronic transactions. Today the system is integrated into the technological networks of Russian and European banks.

Securing Transactions

Payment processing takes place according to the traditional scheme, which provides for the transfer of confidential data to the servers of the payment platform, where they are processed and then transferred through specialized banking networks. Information transfer is carried out using the secure TLS protocol. The level of information protection is maximum.

Assist information processing center (processing center) collects all information about transactions, data of user accounts, bank cards. Due to this, the personal information of the buyer is closed to all participants in monetary and financial relations, including the seller of goods or services.

The secure TLS protocol is licensed by Thawte. Thawte is currently the largest and most authoritative certification authority for protecting information from fraudulent activities.

Services for buyers

Private clients (buyers) have the opportunity to use the range of services provided by the Assist system on different terms.

To receive information about making payments in favor of a particular service provider, it is not necessary to create an account in the system: the service is available to all customers. The relevance of obtaining data on a transaction may be caused by controversial issues related to the increased payment limit in the online store.

Electronic integrator Assist provides all other services to clients only after creating an account in the system. Thus, registration allows customers to take advantage of the following benefits:

viewing transactions for payments in favor of stores that are connected to the Assist payment service;
receiving information notifications about a transaction or refusal to pay;
the possibility of obtaining an Assist®ID verifier, which provides an increased level of transaction security.
The service allows you to significantly simplify payment through online stores, as well as improve the security of payments.

Services for trade objects

For stores, the Assist system offers a whole range of services, namely:

the ability to accept funds using bank cards of the worlds leading payment systems;
the ability to carry out transactions in favor of the store using electronic means. On the official portal of the system, you can select those types of electronic cash that are suitable for the object of trade, for example, QIWI, WebMoney and others;
carrying out transactions for non-residents of the Russian Federation;
implementation of expanded control over all types of payments.
Business owners can choose additional services that improve the usability of the payment interface, organize and improve the user reward system. Also within the framework of the services are presented:

POS-authorization in real time;
ensuring security using two-level payment protection (using a financial password);
cancellation of transactions in real time;
providing clients with reports in real time.

Store representatives who have an account in the Assist system can receive data on the financial institution (card issuer).

Canceling a transaction

A common situation is when an online store is unable to fulfill its obligations to deliver goods or services to the client, even if the payment has already been made. In order to facilitate refunds, Assist offers a convenient service for business representatives. The refund procedure takes place directly in the "personal account" of the system user in a few clicks.

Option "One Click"

A convenient service allows regular customers of retail outlets to buy goods or services without specifying their payment card details. To confirm the transaction, you only need to enter the CVV2 code, which consists of three digits.

With Assist technology, business owners can look forward to more repeat visits to their online store.

Benefits of additional reporting

To carry out the analysis of activities and simplify marketing research on the purchasing power of customers, the Assist system offers the business the option "Annual report". Puffiness is provided to customers in their personal account and allows you to analyze payments, both throughout the year and for certain periods of time.

Fraud protection: Antifraud system

In order to limit the influence of fraudsters actions on the functioning of a trading object, a system for monitoring financial transactions Assist Antifraud is presented. A characteristic feature of the automatic system is the influence on the payment process, which can be potentially dangerous, even before the moment of its execution. As a result, payment traffic is reliably filtered, increasing the number of successful transactions.

Connecting the store to the system

The connection service as of July 2016 is 2950 rubles. The trade object is automatically registered in the PS VISA and Europay. Subscription payment for services is not provided. The connection procedure takes place within 14-45 days after checking the outlet. This period includes the conclusion of a legal agreement between the parties. The technical connection process takes no more than a day.

The Assist system also offers consulting services for e-commerce representatives. The set of questions includes the following areas:

creation of an online store;
selection of up-to-date payment systems;
competent placement of payment services on the site;
work with WEB-pos;
tracking transactions;
security of transactions and elimination of risks when making payments in real time.

Stages of connecting a store to the Assist system

Business owners can take advantage of test access, which allows them to evaluate the benefits of using the payment system. A free mode of studying the system is provided for a day. During this time, the client can configure the control to connect to the companys processing center and test the operational capabilities.

After making a positive decision, the client needs to apply to create an account, information from which is redirected to the bank. In the future, the client needs to make settings that provide for the transmission of an authorization request. Detailed information is sent by Assist representatives to the clients email address.

After choosing a financial institution with which an agreement for acquiring in the global network is concluded, the client signs an agreement for the provision of services with the Assist service. The technical side of the issue of connecting the store to the payment service takes no more than one day. The client does not need to use the software. The only requirement is the installation of a special code on the website that will interact with the processing center and ensure the smooth and safe operation of the service.

Service for banks

The list of services positioned by the Assist system includes an innovative product designed to improve the security of payments in the global network.

The system offers an Assist®ID verifier that is used in conjunction with a secret code. By using the service, the bank can increase customer loyalty to online purchases. Card users can be sure of the security of payments. In addition, a financial institution will be able to face a minimum number of processes associated with challenging the balance on a bank card. Also, thanks to the Assist®ID service, you can increase the demand for bank cards.

At the same time, the Assist system guarantees a number of advantages for bank card holders, in particular:

secure payments in the global network;
simplicity of transactions;
Reliable protection of your debit or credit card from intruders.
The sequence of actions when using the service is that the Assist®ID verifier is issued to the client along with the bank card. Additional card is issued free of charge. After creating an account on the PS Assist portal, the card user can make purchases in hundreds of online stores with minimal risk. Assists product can be used by any bank.

Russian EPS CyberPlat® is one of the largest e-commerce service providers. The payment service is present on the international market, and has an extensive network of points that accept payments. In the Russian Federation, there are about 600 thousand branches and terminals of the payment system, and in the world there are more than 900 thousand.

Historically, the CyberPlat® payment system is the first service registered in the Russian Federation. The first financial operation was carried out through the global network on 12.08.1998. As of December 2015, 300 banks are registered in the system.

With the help of the CyberPlat® system, users have the opportunity to carry out financial transactions in favor of several thousand (about 5000) providers. Services are available for paying for utilities, fines, loans, satellite communications, telephony and others.

Customer service

One of the new services offered by the CyberPlat® system is “Payment Book”. The service allows the user to carry out all types of payments for the service providers with which EPS cooperates in a single dialog window. Payment is made directly on the service website. No commission is charged from the client. Benefits provided by CyberPlat® Payment Book to clients:

different types of book account replenishment;
the ability to pay for services directly from the service portal;
create payment templates that are carried out regularly;
the ability to add and remove service providers;
control financial transactions, receive statements.
Within the framework of this service, the CyberPlat® payment system offers partnerships for providers of various services.

Creating a virtual card Visa Virtuon

The card issuer is Platina Bank. The virtual product allows you to carry out transactions for the benefit of online stores around the world. Card users can pay for all types of services, from buying music to air tickets. At the same time, there are no risks associated with fraudulent actions in relation to the users plastic cards. You can buy a virtual card at any CyberPlat® branch, as well as in the salons of trading companies that are partners of the service.

Financial transactions in favor of housing and communal services

Paying for the services of mobile providers, as well as Internet companies, using electronic payments has long been the norm. Transactions that are made to pay for utilities are no different from depositing funds into the account of telecommunications service providers.

On the territory of the Russian Federation there are more than 4.7 thousand points that provide reception of funds for housing services. Most of the points of reception are concentrated in large trading companies, for example, Euroset. In addition, the CyberPlat® system offers to use terminal networks that cover the entire country. Today, millions of people throughout Russia use the new service, which saves time, and utility companies receive funds on time and in full.

CyberPlat® payment service terminal network for business

The service offers business representatives hardware and software designed for customer self-service at ATMs. Safe and convenient CyberPlat terminals are created by qualified experts and allow using all the functionality of terminals in accordance with modern realities. The structure of the software that the company supplies to the market is component-based. Thanks to this approach, you can customize the software product for specific needs.

The company offers two types of terminal software. The first part is intended for self-service kiosks, and the second is installed directly in the office. The technical software designed for office installation provides the ability to monitor the payment system.

The software products supplied by the CyberPlat® payment system have a number of advantages, namely:

a huge list of service providers;
flawless operation of terminals and software;
ample opportunities for clients;
simplicity of settings;
constant software updates;
change of usability;
remote control over the operation of the payment kiosk network;
the ability to make changes to the source codes;
accepting payments through CyberPlat terminals (not connected to EPS).
A characteristic feature of the payment system software products is the ability to expand the list of service providers, as well as perform financial transactions in favor of those companies that are not registered as clients of the CyberPlat® service. All software is constantly being improved in accordance with modern trends in the financial transactions market, and the companys specialists regularly make the necessary adjustments.

All CyberPlat payment terminals provided by the company have quality certificates.

Working with commercial financial institutions

To improve the level of customer service, as well as reduce the level of costs, the CyberPlat® system offers banks a range of high-tech services.

Receiving transfers to 3600 providers

Registration in the CyberPlat® system allows financial institutions to use a powerful base of service providers in the Russian Federation and neighboring countries. The main vector of work is companies that provide services in the telecommunications industry, utility service providers, transport companies, security services and others. To make payments, various communication channels can be used, as well as the possibilities and methods of accepting funds.

CyberPlat® system offers the use of payment ATMs as one of the money transfer methods. An increase in the number of providers can lead to a significant increase in the banks profitability while reducing the cost of transactions.

Using POS terminals to optimize costs

The software that is installed on CyberPlat terminals significantly expands their functionality, allowing you to increase the number of money transactions. Also, the companys software products have been developed for bank branches, trade services and other enterprises. Thanks to its use, it simplifies the acceptance of payments, as well as expands the capabilities of transactions by integrating into various payment systems.

Service "Bank-client"

The service is aimed at users performing transactions on the global network. The client can use the services of mobile and traditional banking.

Offers for banks

ready-made solutions that allow carrying out financial transactions with various electronic payments;
development of special gateways designed for integration into the general CyberPlat system;
technological solutions for mobile devices.

For representatives of telecommunication services

CyberPlat® platform is considered one of the most powerful domestic payment systems. Since the first transaction in 1998, the company has grown in capacity and today has partnerships with many of the major service providers in the mobile industry. The peculiarity of working with the company is to provide profitable solutions that are relevant to the time and are in demand among customers.

Ability to replenish accounts in the CIS countries

Thanks to cooperation with a number of international companies, the CyberPlat® system allows making transactions to deposit money to the account of a mobile device, regardless of the users location. Transactions are carried out in real time and involve the use of an electronic signature. Thus, it is possible to reduce the likelihood of malicious actions.

A feature of the new models of account replenishment is the provision of convenient methods of depositing funds and minimizing commissions. Thanks to this, CyberPlats offers are beneficial both for business (operators) and for users.

Communication service providers get the opportunity to form a customer base with minimal income. Favorable terms of the payment system allow you to process small amounts of account replenishment (more than 10 rubles). The operation of the payment system is highly appreciated by many business representatives, since all technical issues are solved by the CyberPlat® payment system, and companies lose the need to invest significant funds in expanding the range of services.

Payment system security

One financial transaction, which is performed using the CyberPlat® payment system, is accompanied by 16 methods to ensure its security. The process involves ES, data encryption, the use of special lines for the transmission of information. The list of ensuring multilevel security also includes user verification during the receipt and transfer of funds, control of telephone numbers and verification of accounts of system users. During the entire existence of the CyberPlat® system, not a single financial transaction has been hacked by fraudsters.

Faktura.ru is a fully functional processing center that provides remote banking services to individuals and legal companies via modern communication lines.

CFT Group of Companies, which includes Faktura Bank, has been operating in the financial market since 1991. The information technology on the basis of which the technological platform operates was certified by Sberbank in 2004 and is currently used by leading Russian financial institutions.

As of 2016, the payment platform serves over 10 million users. About 30 million financial transactions are carried out within one month, which cover hundreds of Russian banks in more than 130 cities. In addition to Russian financial institutions such as MDM Bank, Rosinterbank, Expobank and others, a number of financial institutions from neighboring countries use the technological achievements of Faktura Internet Bank.

Principle of operation

The banks work system is focused on strategic functions for the formation of a general service that allows servicing clients of all levels remotely. The Faktura technological platform has no analogues.

Any financial institution has the ability to connect the service of the system on the basis of the "cloud" principle, which will allow using the entire functionality of the processing center to serve users 24 hours a day. The service is provided to banking institutions in the form of a comprehensive outsourcing.

Benefits of an electronic service

The service has more than 300 successful projects that have been implemented jointly with large banks. Each business model is unique and designed according to technological requirements and economic criteria. A huge number of clients have already appreciated the high-quality topical service in the field of remote banking, and the list of Faktura bank partners is constantly expanding.

Partners of the payment electronic platform can independently choose the line of financial instruments that will allow them to serve customers at the highest level. The principle of operation of the electronic service is based on the provision of modular services, which makes it possible to complete products for any solution. Corporate clients can use the advanced technologies of Faktura Internet Bank, for example, iOS and Android applications, various user notification services, software products for 1C and much more.

Customization of software products for the clients needs

The software, as well as the interface of the products that the service offers, are distinguished by a standard design in line with current trends. However, financial institutions have the ability to enhance or customize the look and feel of their apps to match their own brand. Corporate business can customize the interface of web products and promote them in the solution that is most familiar to users. Improving the application interface can be done in two formats. The first one envisages the improvement of the solutions created by Faktura bank within the framework of standard interfaces. The second involves creating innovative solutions.

No risks when performing transactions

Modern solutions in the field of usability are not the only advantage of the service. Each high-tech payment platform solution is built on the foundation of information security. Bank Faktura also provides security systems in an outsourced format. One of the typical ways to minimize financial risks is the centralized management of security systems. Within its framework, the security service takes a number of measures, namely:

use of special smart keys (FSB certificate);
visual control SafeTouch;
use of automatic security systems;
monitoring all activities that are suspicious;
use in the system of special software that controls the limits of financial transactions;
The service security system is licensed.

Functionality for private users

Private clients using Faktura Internet Banking services can manage their finances 24 hours a day. Among the capabilities of the system are the following:

control of all financial transactions using a mobile application. To make a repeated payment, you can use the saved template;
cost analysis allows you to control all transactions by category, and, if necessary, set limits on the use of funds;
opening a deposit in real time without visiting a branch of Faktura bank (constant monitoring of the growth or reduction of interest rates);
monitoring of loans. Control over the schedule of payments, terms, changes in interest rates. The ability to receive a digital account statement (available 24 hours a day) by sending a notification by e-mail;
purchase of insurance in real time.

Traditional payment services

With the help of the Internet Banking service, customers can pay for communication services, loan debts, housing and communal services, replenish electronic wallets, make a donation, and so on.

Additional services

The list of innovative products provides an opportunity to find a provider of the necessary services in a specific city. Also, clients can receive messages about taxes, fines, fees and other types of debts automatically.

The Faktura Internet Banking system offers to use various types of transfers, among which it is worth highlighting unaddressed transactions. Debit, virtual and other types of cards are available to users.

Users of mobile offers can use:

transfers via HCE (contactless technology);
geolocation;
special authorization services;
Apple Watch service.

to corporative clients

The electronic platform Faktura Bank allows you to reliably manage the companys financial flows remotely. The service software is relevant for enterprises of all sizes. The service makes it easier to work with financial institutions, business partners and users. The bank is adapted for any browsers, including versions for mobile devices, and is also presented in an English version.

Faktura internet bank users can receive notifications on all transactions. An app is also available to notify customers on relevant requests. Notifications are sent by SMS and E-mail.

With the help of the service, banks are able to solve a number of marketing problems and achieve a reduction in costs associated with customer service. Faktura Internet Banking capabilities allow:

to perform the usability of the product in accordance with the corporate direction of the business;
advertise products;
send information blocks to users;
sell bank products online (the ability to open an account without involving employees).
The system provides for the function of information exchange between participants. Data can be legal and arbitrary. For example, in this way questionnaires can be sent to clients, reminders of the need for a money transfer or payment of a loan debt. Information can also be presented in a personal format. In any case, data transmission is carried out through encrypted channels, which ensures the confidentiality of information.

The functionality of Faktura bank is simple. This is not only about navigating through the information portal, but also about operating a personal account. All information blocks are linked into a single intuitive system.

Transaction management

All data related to financial payments and invoices are highlighted in one dialog box. Operation numbers are generated by enterprise. Users have the ability to perform one-time transactions for specific organizations or select several enterprises and send multiple payments. It is also distinguished by the simplicity of forming reply transactions. Statements on any financial and monetary transactions are available 24 hours a day. Also Faktura Internet Bank allows you to visually control the amount of funds in accounts.

Financial operations

Faktura Internet Banking makes it possible to carry out all types of payments between financial institutions, as well as on internal accounts. Currency conversion is available to users. For transactions that are systematic, templates are provided.

For legal companies, it is possible to generate payment orders, the signature and sending of which is carried out in one click.

Unlike traditional services provided by financial institutions, Faktura Bank offers an innovative "cloud" infrastructure. For users, the system significantly expands the possibilities of using various services. In turn, the business, thanks to the innovative Faktura system, gets the opportunity to start working in the shortest possible time and get the maximum income at the lowest cost.

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

EPS Z-Payment: general information

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

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

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

System currency

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

How can the system be useful for business?

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

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

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

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

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

Tariffication for financial transactions

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

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

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

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

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

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

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

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

Certification in the Z-Payment system

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

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

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

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

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

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

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

In 2002, a new player named RUpay appeared on the electronic payments market. Since Ukrainian and Russian specialists worked together on the creation of the project, the first two letters in the company name designate Russia and Ukraine. As of 2008, the company served over a quarter of a million users and about 6,000 online stores. According to information provided by the corporate publication Cnews Analytics, RUpay payment system occupied more than 5% of the electronic transactions market. The companys wide range of tools allowed users to make payments to pay for various services and goods through the global network.

2008 in the history of RUpay

In 2008, the progressive technological platform was purchased by RBC Information Systems. The takeover took place over the course of several years with gradual buybacks of securities. According to the information declared by the buyer in 2008, the purchase of the service was aimed at the formation of an innovative online settlement system. The basis for the creation of a large service was RBC Bank, which was acquired a year earlier.

It was the RUpay payment system that became the basis for the successful launch of RBK Money on the online payment market, which developed at a very fast pace in 2008.

“RUpay service has well-established connections, has a huge customer base, which are the link in the electronic payment system. By absorbing the platform, our company was able to reduce the time it takes to enter the market. EPS RUpay will create a convenient tool for making settlements not only in the global network, but also offline, ”said one of the founders of RBC Herman Kaplun (2008).

A new brand called RBK Money started its activity very actively and within 7 years increased the number of payment acceptance points throughout the Russian Federation to 250 thousand. The basis of the RUpay system remains the same, but RBK Money has significantly expanded its capabilities, including technological ones.

Irrevocable transactions

The main currency of the system is a unit corresponding to the equivalent of the Russian ruble. Therefore, transactions can be performed exclusively to ruble accounts. All transactions carried out by customers are irrevocable, which improves the capabilities of the service. So, it is precisely due to the irrevocability of the transaction that the attackers are unable to get money back after their transfer.

Withdrawing funds from the system

The system offers almost all payments without paying a commission. The client is charged a 2.9% fee for urgent cash transactions (withdrawal of funds). Withdrawal to a debit card takes no more than 24 hours. Commission is charged by the system when withdrawing an amount that exceeds 10 thousand rubles per month. The RUPay system also offers to use the RBK Money card, which expands the clients capabilities, namely:

funds can be withdrawn without commission (regardless of urgency);
money can be transferred from wallet to card and back 24 hours a day;
reduced commission percentage for all financial transactions.
You can link a debit card of any bank to the system. At the same time, you must be ready to pay interest, which is rarely less than 3%. Alternatively, you can use the withdrawal of money to a bank account.

Business proposals

Today the RUpay (RBK Money) payment system works not only with stores selling goods and services in the global network, but also with offline trade representations. Each payment is charged a processing fee of 2.5%. A feature of payments is their security, which is ensured by:

irrevocable transactions;
monitoring of all types of payments, which guarantees a 100% guarantee of secure payments;
transactions pass through secure PCI DSS channels, the standard of which is established at the international level.
The user can track each payment, since each transaction is carried out under a unique number. The RUpay (RBK Money) system offers to use the most popular methods as payment.

Innovative RBK Card service for an online store

The company has developed a “smart” solution especially for small businesses, which completely replaces the payment terminal. The online terminal works with the Android or iOS operating systems on any modern device. The principle of operation of the application is similar to traditional terminals presented in the offline network. Payment system RUpay (RBK Money) offers software, as well as its maintenance free of charge. There is also no subscription fee. An additional advantage of the innovative solution is round-the-clock support by service specialists.

Electronic wallet - a digital medium for storing funds

PS clients can create two types of electronic wallets. An unidentified digital medium is formed at the stage of creating an account. The maximum turnover of funds for an unidentified user is 15 thousand rubles per day. The wallet is designed to pay for goods in stores. To receive additional benefits, one of which is to increase the limit to 100 thousand rubles, the RUpay (RBK Money) payment system requires identification. The procedure can be carried out in two ways:

through the "Contact" platform;
sending copies of documents certified by a notary.
Thanks to the receipt, the user will be able to make large money transfers, both within the system and outside it on the territory of the Russian Federation, as well as in favor of foreign companies. A convenient service is a mobile application that allows you to perform anywhere where there is internet.

Ways to replenish the wallet and pay on the Internet using the RUpay service

The RUPay (RBK Money) system allows you to use the entire modern set of tools and options to pay for goods and services.

Bank card. For payment, you can use any international bank cards "Visa" and "MasterCard". It is worth emphasizing that some types of cards are not intended for online payment. Therefore, such questions must be clarified directly with the bank. You can make a transaction with an activated and non-activated card. At the same time, RUpay (RBK Money) does not allow more than six payments per day.

Bank transfer. Funds are credited to the account within 5 days. Transfer fees are charged in accordance with the financial institutions policy. The maximum amount of one payment is 200 thousand rubles, but no more than two transactions per day.

Internet banking. Through a modern Internet banking payment system, you can transfer to an electronic account no more than 15 thousand rubles per transaction. Funds are received within a few seconds without charging a commission.

Self-service terminals. To pay a bill or replenish an electronic wallet, the RUpay (RBK Money) payment system offers to use terminals. Funds are received instantly. There is no commission. The terminals of the following companies are available on the official website: Rapida, Eleksnet, DeltaPlay and others.

Branches "Contact". The replenishment of the wallet takes place within 24 hours. No commission is charged. To deposit funds, you must inform the operator of the e-wallet number.

Salons "Euroset". The wallet is replenished within a few seconds. No commission is charged.

Tariffication in the system (for individuals)

The system offers five tariff plans for legal entities. You can get acquainted with the terms of services, as well as their cost, on the official website of the company. For individuals, the RUpay (RBK Money) payment system offers the following conditions for servicing bank cards:

issuance of a debit card and its maintenance subject to regular transactions - no commission;
servicing the card in the absence of financial movements within 2 months - 300 rubles (for 30 days);
transfer of funds to cards of other banks - no commission;
intrasystem transactions - no commission;
urgent withdrawal of funds to the card - 2.95%.
As additional services, which are also provided free of charge by RUPay (RBK Money), you can count on the following:

investigation of transactions;
issuance of account statements to the client (in electronic form);
provision of documentary information on financial transactions.

Service benefits

The modern payment system RUPay (RBK Money) has many advantages, among which are:

security system. Both legal entities and individuals can be absolutely sure of reliable protection of funds. The platform has a unique multi-layered protection system that is constantly monitored by the security service. Additionally, the user has the ability to configure access paths to the electronic wallet. An additional security criterion is the payment password, without which transactions are impossible;
no commissions for replenishing an electronic wallet, as well as most financial transactions;
efficiency of monetary transactions;
ease of use of the RUpay service (RBK Money).
It is also worth highlighting a wide range of business tools. Perhaps due to these advantages from several dozen electronic payment systems, RUpay (RBK Money) is among the best.

The Moneta.Ru service provides money transfers between users, and also positions itself as a billing platform for online trading.

Among the payment systems operating on the territory of the Russian Federation, Moneta.ru is one of the youngest: registration of the PS took place in 2005. Despite a relatively short period of activity, the company is not just a service for online payment, but a powerful tool integrated into a common electronic payment system.

Security system PS Moneta.ru

The service offers powerful protection against fraudulent activities, namely:

the use of two passwords, one of which is required to enter the Moneta.Ru service, and the second is required during transactions;
application of user certificates to gain access to the account;
the user specifying the range of IP addresses intended for logging into the account;
the use of innovative methods of information encryption;
obligatory data recording every time a client logs on to the system, conducts transactions, changes the control system settings;
use of modern software;
operation of reliable equipment and servers, which are located in the best companies;
constant monitoring of the functioning of the system and prompt troubleshooting of any complexity.

System monetary units

Service users at the registration stage have the opportunity to use one of three currencies:

EUR
USD
RUB
By default, rubles are set. In the future, the currency of Moneta.Ru can be changed. Also, the payment system offers to use the internal exchange service without leaving the official website.

Registration and verification

The creation of an account in the system takes place in two stages. At the first stage, registration is traditional and involves the introduction of a mailbox, a password and a question intended for data recovery. EPS automatically generates a digital password for transactions, which consists of five characters. You can also change your billing password, which allows you to increase the number of characters (numbers).

One of the possibilities provided by the Moneta.Ru service is to specify one IP. You can then change the security settings for those users who have a non-persistent (dynamic) IP. Note: you need to change the address mask without logging out of your account, otherwise the client will not be able to log in again after changing the IP.

Each client in the system is assigned a specific number. After specifying all the data and accepting the agreement, a confirmation of the account by e-mail is required, to which the payment password is sent. After that, the user has the opportunity to use the functionality of the system. Before entering personal information and checking it by Moneta.Ru employees, the client has the status of an incognito - private user and can use only part of the EPS capabilities, for example, transfer funds or make purchases. At the same time, there are a number of restrictions for a private client, which include:

limitation of amounts for money transfers;
inability to deposit money from a credit card;
withdrawal restrictions.
To eliminate the above shortcomings, it is required to obtain a personalized status, which also simplifies the work associated with restoring access to an account in case of loss of passwords. Verification provides for the indication of personal information and its documentary confirmation. To do this, in the corresponding section of the official website Moneta.Ru you need to upload your passport (scan).

Interfaces for shops and other projects

The system offers three types of services that can be used by a business:

Assistant
MerchantAPI
Provider web service.
The Assistant Internet service allows a business to ensure interaction of the PayAnyWay payment aggregator with the accounting system of a site (store) that provides services or provides sales.

The principle of operation of the interface is that the site asks for permission to conduct a transaction, and after confirming the positive decision of the buyer, the Moneta.Ru service forms an account. In this case, the application creates a report in the database that includes all available information about the transaction and the customer. The report is generated by the PayAnyWay payment gateway, which also provides information to the store buyer about the successful completion of a financial transaction.

MONETA.MerchantAPI

The interface is designed according to the WSDL principle and provides data transfer over the secure SOAP protocol. All financial transactions that are carried out between a client and a business representative take place directly on the website owners portal. After registering a client on the site and sending a corresponding request for financial transactions, the MONETA.MerchantAPI service receives information, processes it and provides the result. A number of functions can be performed using a web service:

transfer funds from the customers account of the store to the account of the user of the Moneta.Ru system;
transfer funds from the users account of the Moneta.Ru system to the account of a store visitor;
receive user data;
create a database of store customers using a filter system.
The system also allows you to connect special handlers that are selected taking into account the store software, client requirements and business specifications.

Security of financial transactions

To reduce the risk of financial transactions, the electronic payment service Moneta.Ru offers two methods. The first is to use a payment password. The password can be used by private users of the service, as well as by business representatives.

The second option is the most acceptable for business, since it provides for a temporary blocking of funds. For this, a protection code is used. When making a payment in favor of the store owner, money is credited to his account from the buyer instantly, but their use is impossible until the client confirms the transfer with a protection code. If there is no confirmation, the funds are returned to the senders account. It is also possible to use temporary restrictions on the use of funds. At the same time, time protection does not provide for the return of funds to the client.

Tariffs for monetary transactions

Operations with VISA and MasterCard cards allow you to replenish your Moneta.Ru electronic wallet account with a 1.9% commission. Funds are credited to the account within one minute. Withdrawals take 3 days and involve a 2% commission fee. The minimum withdrawal amount is 60 rubles.

Commission for account replenishment through the following services:

QIWI - no top-up is provided;
Yandex.Money - 4.5%
"Eleksnet" - absent;
PSKB - absent;
branch "Messenger" - absent;
branch "Euroset" - 2%.
Commission for withdrawal through services:

QIWI - 2%;
Yandex.Money - 2.5%
"Eleksnet" - withdrawal is not provided;
PSKB - withdrawal is not provided.
Most terminals and payment offices do not charge a commission for replenishing an electronic account of Moneta.Ru. When replenishing an account via Internet banking, the commission rate varies from 0% to 3%.

Restrictions on transactions and cash account balance

Users who maintain confidentiality cannot transfer more than 15 thousand rubles as a one-time payment. The same amount is the maximum possible storage on the users electronic account. Within one month, confidential users cannot make money transfers, the amount of which exceeds 40 thousand rubles.

EPS clients who have indicated personal information, but have not documented it in the form of downloaded passport scans, can transfer no more than 15 thousand rubles. Within 30 days, the money transfer limit was increased to 200 thousand rubles. Moreover, for users who have undergone partial identification, the Moneta.Ru service increases the amount of funds that can be stored in a cash account up to 60 thousand rubles.

Users who have uploaded scans of documents and are among the identified can perform one-time transactions in the amount of up to 100 thousand rubles. The number of payments and the amount within 30 months is not limited. On the electronic account of the payment platform, it is allowed to store funds in the amount of up to 600 thousand rubles.

Payment service Moneta.Ru has a number of advantages:

ease of use;
the ability to monitor all transactions;
a wide range of ways to deposit and withdraw money;
instant transfer of funds between users and through the terminals of the system;
no commission for transfers between personalized clients;
no commission for purchases and payments for the services of most companies;
modern solutions for private users and business;
high level of security;
the ability to administer the account and transfer the corresponding powers to authorized persons.

Information for system clients

Contact phone number: +7 495 7434985

Official website: https://www.moneta.ru

Email: [email protected], [email protected].

Simple and reliable payment service [email protected] has long been popular among clients of the social network of the same name. The owners of the company did not stop there, and are actively expanding the list of innovative services that allow you to earn Money Mail, as well as the list of offers where you can spend it. Thanks to integration into a common electronic payment system, as well as close cooperation with leading Russian companies and financial institutions, it allows you to pay for a variety of services.

In 2005 Mail.Ru Group. created PS Money @ Mail.Ru with technical assistance from MoneyMail.

2009: a new stage in the life of the payment system

The technical manager of the new PS was the MoneyMail organization, which provided the software for the payment service. After 4 years, PS announced the termination of work with a technical partner and the launch of a new project, which appeared as a single platform. At present, the possibilities of the service have significantly expanded: the Money Mail card can be replenished from any financial institution, communication shops, banking, through the terminals of the QIWI Group and others.

One of the main advantages of the system is simplicity. The client does not need to download software to a device or PC: for identification, it is enough to use e-mail. Financial transactions can also be carried out on any device that is connected to the global network. A number of payment options are available for system users:

making money transfers;
payment for telecommunication services;
replenishment of game accounts;
payment for hosting;
purchases in online stores;
Payment of utility services;
payment for services within the payment system.

Among the characteristic features of the system is that the Money Mail card is available exclusively to Russian citizens. The user indicates information about citizenship at the registration stage. Therefore, the system can be considered as a payment platform focused on making money transfers within the country.

Creating a wallet in the system

Individuals have the right to use an electronic wallet. Registration takes place in the standard mode with a username and password. After completing these steps, the user gains access to their electronic wallet with a zero balance.

Types of operations that can be beneficial for users [email protected]

Almost all the services provided by the system provide for the payment of a commission. At the same time, a number of monetary transactions take place without charging. All operations accompanied by account replenishment are free of charge. Also, no money is charged for purchases of goods and services in online stores.

At the same time, it is profitable to transfer Mail Money within the system, since the payment service offers a low transaction rate - 0.5%. The fee for transferring funds to a debit card is 3.5%. Additional commission is charged by financial institutions. For this reason, using the Mail.ru e-wallet Money to replenish a bank card is impractical: it is much more profitable to make purchases in the global network and pay for a number of services.

Setting up an account for safe work with the service

Since making Money Mail is as difficult as real money, it needs reliable protection. To minimize the risks associated with the vigorous activity of fraudsters, it is required to ensure the highest level of protection for the electronic wallet. For this, there is a two-tier security system, which includes initial authorization on the portal, as well as the use of a payment password.

Security is configured in the section of the same name, and it is recommended to periodically change the payment password. The system user has the ability to enter a range of IP addresses from which to log into the account. It is recommended to link the wallet to a phone number, which will simplify the ability to restore access to your account.

A detailed description of all transactions is stored in the "History" section located in the main menu. The service administration recommends to correctly configure the system messages. For example, if the users account balance changes, the Money Mail service will automatically notify the client. Thanks to this option, the user will be able to find out about unauthorized access to his electronic wallet and attempts to withdraw funds.

Service for e-commerce

Owners of online stores have the opportunity to use the software of the [email protected] service to accept payments from buyers. To receive money, you can use the installation of a special application, which must be downloaded from the official website. Alternatively, digital invoices can be sent manually for low transaction volumes.

Regardless of the method, the use of the services of the Money Mail service follows the standard scheme:

the trading facility is checked by the payment system employees for compliance with technical requirements;
the store owner sends a corresponding application for connection, provides the necessary documents, the list of which is regulated by the agreement;
service connection is in progress.
As a result, a banner is displayed on the owners site, which confirms the ability to make a purchase on the site for Mail Money without commission.

Card [email protected]

An up-to-date service providing for connection to the electronic card service is used in all major payment systems. Such services are provided by PS Yandex.Money and QIWI. Mail.ru is no exception. Currently, the payment platform is actively cooperating with Tinkoff Bank, which is the issuer of MasterCard. The debit card is gold and belongs to the premium segment. Therefore, customers who use this service receive the entire package of services that provide privileges and a high level of service. The card will become a useful assistant for users who are trying to make Money Mail, and are also looking for ways where they can be spent with a minimum commission.

Outwardly, the banking product does not differ from traditional cards. For payment in the global network, a special CVC code is provided. The card is personal and is the property of the bank. Therefore, its use by third parties is not provided. The functionality of a bank card is traditional: the Money Mail card can be used:

to pay for any goods;
payment for services;
money transfers;
withdrawing cash from any ATM.
The only difference between the card is its linking to the [email protected] payment system, and, in particular, to the users wallet. For clients engaged in active financial activities in the global network, a debit card will be a useful tool with many benefits.

The card is issued free of charge. Also, the payment service guarantees its free service. In this case, a prerequisite is the implementation of financial transactions during the year. In the event that the Money Mail card is not used by the client for transactions during the year, he must pay a commission of 350 rubles.

As an additional service, PS Money @ Mail.Ru allows you to get a debit card without visiting the Tinkoff bank. You can order delivery on the official website of the service in the "Settings" section. Delivery cost within the Russian Federation is 139 rubles.

After receiving the card, you need to activate it. The procedure is performed in the clients account. After that, the card is activated. At the same time, the Money Mail card does not yet guarantee the conduct of all financial and monetary transactions. A limitation on the use of the card is cash withdrawal from ATMs. To get this opportunity, you will need a pin code and identification. The code can be obtained from Tinkoff Bank over the phone. To do this, you need to contact the contact center at 8-800-555-25-30. Verification involves sending a copy of the passport by the postal service, which must be certified by a notary.

The use of the card is relevant for users who work in the global network. Its main advantages include:

no need to visit a financial institution;
no commission (in case of payment transactions);
efficiency of release.
At the same time, when withdrawing funds from an ATM, the user pays a 3% commission. Also, for each withdrawal of funds, an additional 15 rubles will be charged.

If the client plans to use the card without identification, and this option allows money to be transferred to other accounts, then the payment system has set a limit on financial transactions. For example, the Money Mail card for unidentified users allows you to transfer funds in an amount of no more than 15 thousand rubles. The monthly limit is 40 thousand rubles.

Clients who have passed verification can count on loyal conditions for withdrawing money, transfers and established limits.

Virtual card Money @ Mail.Ru

For the convenience of customers, a service is provided for using a virtual card, the details of which are sent in the form of a notification to e-mail or phone. You can use a virtual card in all online stores in the world. At the same time, the virtual Money Mail card has restrictions on transactions, which vary in the range from 300 rubles to 14 thousand. A 2.5% commission is charged for using the payment.

Mobile users should pay attention to the Apple app. Using the service, you can make purchases at any time, regardless of the banks work. There is no commission for account replenishment. An additional advantage is the security of the virtual account and the ability to use it anywhere there is an Internet connection.

In general, the Money Mail system has great prerequisites for actively expanding its influence on the Internet payments market. Almost all users of the global network have e-mail, and the Mail.Ru service is the leader in this area. Nevertheless, the use of electronic means of this service on the portals of online stores is rare due to the strong competition in the payment system market.

Connecting an online store to payment processing networks is challenging and generally beyond the experience and technical capabilities of most online merchants. To address the issue, business representatives can easily connect to Authorize, which provides the end-to-end infrastructure and security needed to ensure fast, reliable, and secure transfer of transaction data. Authorize.Net manages the routing of transactions the same way traditional payment systems work in the physical retail world.

About company

Electronic PS Authorize.Net began operations in 1996 in the United States. As payment instruments, the companys services are capable of servicing debit and credit cards, as well as electronic checks. As of 2015, the number of users of the system exceeded a quarter of a million people. Until 2007, the electronic payment system belonged to the Lightbridge concern, which acquired it three years earlier for $ 82 million. In 2007, the service was acquired by Cybersource. According to official information, the cost of the transaction was estimated at $ 565 million.

Electronic payment service offers

Currently EPS Authorize offers its clients to take advantage of four offers for trading:

in online mode. The system allows you to accept funds from customers who use electronic checks and bank cards;
retail trade - allows you to automatically manage various types of transactions at a high level of security;
by phone and email;
trading using mobile devices.
The payment system is available to process transactions 24 hours a day. The payment gateway also offers a range of end-to-end services to provide businesses with simple, affordable and secure solutions.

Users can use a secure website called Merchant Interface to manage transactions, configure account settings, view account statements, generate reports, and more. Payment client Authorize is browser based. Therefore, no software is required for installation or maintenance. The standard payment depends on the number of transactions and is determined by the resellers of the payment service. For more information, you must familiarize yourself with the companys price offers on the official website.

The payment gateway offers many features and options that can be tailored to specific business models.

Mobile application for trading

The Authorize.Net service offers its customers a mobile MPOS application that allows them to securely accept payments using devices running on IOS and Android. The MPOS mobile app is ideal for those who are constantly on the move.

Features and Benefits of MPOS:

the ability to process credit and debit card transactions of major payment systems (for example, Visa, MasterCard, American Express) in real time;
secure access. Integration with Authorize.Net Merchant Interface allows using account credentials;
flexible settings;
AVS support. The network service allows you to verify the users addresses by performing automatic rights checking when visiting the site;
transaction history. The client Authorize user can review all the operations that have been performed;
sending notifications by email. Customers who use the services of the online store can receive receipts by e-mail for their transactions.

Data governance: customer security

Service users have the ability to use Client Manager (CIM) to host and store confidential customer payment information on our secure servers. This simplifies the process of making customer payments and recurring transactions. The service is provided free of charge.

CIM maintains customer profiles that include:

billing;
payment;
delivery of information.
Each profile is stored on secure servers of the payment platform. It is assigned an identifier that is used instead of all customer information. Each customer profile can include up to 10 payment lines and up to 100 shipping.

Business owners can manage customer profiles, manually monitor client Authorize transactions in the Merchant Interface, integrate a website or other application using an application programming interface (API). In addition, the Merchant Interface allows you to view and search for customer profiles and view the transaction history of the desired profile.

Benefits of CIM service

The manager works on a secure PCI line and guarantees the security of confidential information of clients.
Simplifies the work with repetitive operations.
Used as a repository for customer data.
The client does not have to re-enter his personal data every time he visits the website.
Providing payment flexibility.
Customers can store multiple payment methods for repeat purchases and enter multiple shipping addresses.

Automated Billing ™ (EPIRB)

Billing Authorize is provided free of charge and is a convenient and easy-to-use tool for managing recurring transactions.

The ARB offers several methods for creating a subscription. The customer can use a subscription to the Merchant Interface, which includes information about the customer, payments, transaction amounts and payment schedules.

As a modern alternative, it is proposed to allow internet customers to select installments from a custom payment form. The option becomes available after integrating the website directly into the Application Programming Interface (API EPIRB). The ARB client Authorize does the rest, making follow-up transactions based on the payment schedule. Using the EPIRB, you can achieve a number of advantages, namely:

improved payment efficiency. After the start of the subscription, no additional intervention is required: the system operates in automatic mode. EPIRB also includes the ability to customize trial periods and prices;
increased security. There is no need to store confidential data in computer systems, reducing the risk of leakage of customer information;
increasing loyalty. ARB allows you to provide clients with a flexible payment schedule;
cost reduction. EPIRB eliminates the costs associated with manual billing and allows you to reduce additional transaction fees.

System security

Authorize has a robust security system that monitors and suppresses the actions of fraudulent websites that copy the work of the official Authorize.Net domain. Users who receive email requests for confidential information in order to update their Authorize account information cannot reply to emails or follow links. Instead, please, the payment processor offers to send an email to [email protected] to the security representatives providing detailed information about the message. In this way, it can be helped in the fight against fraudulent attempts.

Client Authorize representatives will never ask a client to send confidential information by email or telephone.

Examples of data that are most vulnerable are:

bank account numbers;
credit card numbers;
CVV data (card code 3-4 digits);
Authorize passwords;
PIN numbers;
secret question and answer.
To protect customer information and combat fraud, Authorize.Net devotes significant resources to support the system infrastructure. With Authorize.Net, customers can rest assured that their data is safe. The payment platform works with advanced technologies using 128-bit Secure Sockets Layer (SSL) protocols.

PCI DSS is an industry standard for the security of payment card data. It includes a set of requirements developed for all types of cards to ensure data security.

One of the modern methods of making online payments is the use of the electronic service Google Checkout. The system, which is owned by Google Inc., is designed to facilitate online shopping for users around the world. A feature of the system is the ability for users to make purchases without a prerequisite, which provides for multiple input of bank card data.

After linking the banking product (debit, credit card) to the account, the user is able to pay for all Google products in a few clicks.

In 2015, the process of transformation of the Checkout system into Wallet began. However, as of July 2016, many services use the "old" payment service name.

Google Wallet: how and where to register?

To register in the Google Checkout system in Russia, you must pass authorization on the Google website. If there is no account on the Google website, then preliminary registration is required. After that, the system offers to add a new payment method. Personal information required. After that, the bank card number is indicated. A prerequisite is the introduction of the expiration of the card and the security code CV. After accepting the terms and agreement with the terms of the PS, registration is considered complete. The website for registering in the Google Checkout system is https://wallet.google.com/.

After receiving an account, the client can use the following options:

view all payments that have been made through the system;
the ability to edit data on bank cards, add new ones;
evaluate the work of online stores, as well as leave your feedback (applies to those objects in which purchases were made);
create and delete shipping addresses for goods.

System monetary units

International service since its foundation (2006) uses the American dollar as a currency. A year after its launch, the system began operations in the UK. Therefore, it was decided to introduce an additional currency, which became the British pound.

Where can the funds be used?

The technologies that the American corporation Google Inc. used inside its system have become wider thanks to Google Checkout. Using the payment platform, you can buy any products of the American giant, for example, Google Play, Google Express Google Video, YouTube and dozens of others.

Any point of sale can accept funds for the sale of digital products of the company. For a customer who likes a certain product, it is enough to log in and purchase the product: for this you need to make one click. At the same time, the outlet does not have any financial relationship with the buyer - the money is transferred to the stores account by Google. The client does not need to create electronic wallets, undergo additional verification, or worry about security. Payment is made exclusively by bank card. Currently, Google Checkout in Russia allows using MasterCard, Visa Electron and Visa cards. At the same time, there are no restrictions on using Discover and American Express.

Specific features of the Google Wallet system:

inability to accept transfers. The service is focused on the purchase of goods;
PS Google Checkout conducts all monetary transactions without commission;
the ability to pay for purchases (including at auctions), services.

Payment for services on an incognito basis

Registration involves the introduction of an insignificant amount of personal data. In addition to the name, place of residence, as well as the bank card number, the system does not ask for other information. The only condition is the age of majority of the user and the accuracy of the information.

Having an account greatly enhances the experience for a customer who frequently visits various websites and purchases digital products or services. On each of these sites, the buyer leaves a lot of information about himself, the reliability of which depends solely on the decency of the store owners. It is to preserve confidentiality, as well as additional security, Google Checkout in Russia and around the world offers storage of confidential information exclusively on its own servers. The purchase takes place in such a way that the store owner does not have any access to personal information, including the buyers bank card number. The American concern performs all tasks independently.

Complete absence of risks

The key point that brings the possibility of fraud with a buyers credit card to zero is the use of confidential data by one person: the public corporation Google Inc. Information about the card number does not become the property of the databases of online stores, among which there are fraudsters. The store owner receives money from the payment service. In the future, Google Checkout withdraws funds from the customers (customers) bank card. The number of transactions is unlimited.

When suspicious programs interfere with the functioning of the system, the automatic blocking function prevents transactions and also informs the security service.

Additional safety features: seller rating

An additional factor that allows the user of the system to be calm about their funds is the rating score. It is regularly carried out by specialists of the Google Wallet payment service, tracking orders, their fulfillment and compiling ratings of bona fide sellers. In the future, users have the opportunity to receive relevant notifications by e-mail.

Client protection

Each Google Checkout user in Russia can take advantage of special rules to protect his rights. The corresponding document is located on the official website of the company and regulates the refund in case of refusal to purchase. The regulation applies to all types of transactions and in most cases is focused on consumer protection. Employees of the company are scrupulous about considering such cases.

Due to all the listed advantages, Google Wallet is one of the PSs that guarantee customers minimal risks when making payments.

Financial transactions, tariffs

Google Checkout is not a place to store your financial savings. In fact, EPS acts as an intermediary (guarantor) in financial transactions between the client and the seller. The use of the service is focused on serving customers when selling Google information products. Therefore, the service is free for buyers. In turn, store owners pay 2.2% of the transaction amount. Also, an additional $ 0.2 is charged for each money transaction.

Using the services of a payment guarantor requires authorization. After entering the data, the user can pay for the goods using his bank card. In addition, the client has the opportunity to view all purchases in his account. The information is stored on Google Checkout servers and has no limitation period. To view the entire list of orders, select the "Transactions" section.
Each purchase, which is accompanied by the withdrawal of a certain amount from the debit or credit card account, is confirmed by the receipt of an email message.

System access data recovery procedure

In case of loss of data that is necessary to enter the Wallet service, and most often it is a password, the standard procedure for its recovery occurs. In order to simplify this procedure in the future, an additional email address must be entered in advance. Also, be sure to provide a valid phone number. The Google Checkout system in Russia offers a separate page, which clearly sets out the sequence of user actions in the event of a similar situation.

Disadvantages and advantages of the service

The system is practically devoid of flaws. Since only bank cards are used as payment, users are not able to transfer funds between themselves. In addition, the service is of no interest to customers who rarely pay for Google products on the global network.

At the same time, the Google Checkout service is a unique way of serving customers who actively use the goods and services of an American company. The main advantages of the system:

minimization of risks when paying online;
simplicity of service (the site is available in Russian);
no need to download software;
saving all transactions in the account.
The Google Checkout system attaches great importance to controlling the integrity and security of transactions. For this reason, the company conducts a thorough vetting of sellers. Also in favor of buyers is the protection of their rights, provided for by a document called the Chargeback Resolution policy.