TransCreditBank (TKB) was founded at the end of 1992 as an open joint stock company. The financial institution was one of the largest commercial banks in the Russian Federation with its own portfolio of 54.60 billion rubles (2012). In the fall of 2013, TransCreditBank ceased operations as an independent financial unit and entered the VTB Group.

Historical facts and financial position of the bank

The initiators of the creation of the TKB were the largest industrial and metallurgical groups of the Russian Federation. Since 1999, the bank was under the control of the Ministry of Railways of the Russian Federation, and after 4 years it became the property (74.9% of assets) of the Ministry of Property Relations of the Russian Federation. Since 2007, on the basis of a Presidential Decree, part of the funds that were owned by the state were transferred to the statutory fund of the Russian Railways Open Joint Stock Company.

Since the formation of the financial structure and the receipt of permission from the Central Bank of the Russian Federation under No. 2142 to carry out banking activities, TransCreditBank has occupied a leading position for several years and until the moment of its absorption by the VTB Group, in terms of assets, it was included in the TOP-15 largest banks in the Russian Federation. As of the first quarter of 2012, the banks authorized capital exceeded 2.6 billion rubles. Net profit in 2012 according to IFRS amounted to 14.2 billion rubles. The number of employees is 7 thousand people.

The main vector of the banks work was cooperation with companies operating in the transport industry, as well as related areas. The list of clients and partners included large trading companies, energy and mining companies, major industrial groups, infrastructure enterprises. Also, the services of "TransCreditBank" were in demand among representatives of small and medium-sized businesses. In total, the number of companies that the bank served in various segments of the economy and business exceeded 35,000.

In addition to high indicators in terms of the volume of the loan portfolio, the bank demonstrated one of the best results in acquiring customer service in the retail sector.

At the time of the takeover by the VTB financial group, the bank had an extensive network of regional representative offices, the number of which amounted to 276 branches in almost 200 cities and towns of the Russian Federation. The number of ATMs - 2,500, terminals - 6,100 (2013). The bank ranked fifth in servicing corporate salary projects. Thus, more than 2 million Russians have used salary and other cards of TransCreditBank.

Moodys Investors Service and Standard & Poors analytical agency have assigned a stable credit rating to TKB bank.

Merger with VTB

The takeover of PJSC TransCreditBank by VTB Bank began in 2011, when the financial group completed the redemption of the bulk of its securities - 29.4%. The following year, VTB Group acquired a 21.8% stake in TransCreditBank from PJSC Russian Railways, which allowed it to increase its stake in securities to 99.6%.

In the same year, the merger of the two structures was announced, as a result of which business services were transferred under the jurisdiction of VTB, and individuals - VTB24. Officially, the services of "TransCreditBank" became invalid on November 1, 2013: after the signing of the agreement. In fact, the brand disappeared, however, branches, ATMs and terminals continued their work in the traditional mode.

Bank owners

Currently, VTB Bank owns 99.59% of TransCreditBanks securities. 0.072% of shares are owned by VTB24, and legal and physical shareholders - 0.33%.

After the merger of banks under the management of VTB Group, all corporate clients, the number of which exceeded 35 thousand, automatically switched to the new financial structure. Since one of the main corporate clients of TransCreditBank was the Russian Railways company, VTB24 is in charge of servicing them. More than one million railway workers received bank cards from TransCreditBank within the framework of salary projects. The list of clients included 16 divisions of Russian Railways throughout the Russian Federation.

Salary project and new products for railway workers

In 2015, a new tender was held to service the salary project for Russian Railways. VTB Banks subsidiary VTB24 became the winner of the competition. The bank promises more opportunities, which are to provide new products. For example, new credit programs have been developed, which are formed taking into account the income level of each employee of the railway. Within the framework of projects, special packages have been created, ranging from classic or universal products to premium services. Simplification of credit programs, as well as the possibility of modern remote customer service, guarantee the highest service, which is one step higher than the services of "TransCreditBank" in 2012. Today VTB24 offers to use more than 14 thousand ATMs in the territory, as well as 1,050 branches and customer service points.

VTB Group

Currently, VTB, the largest financial group, includes about 20 large companies that operate in all vectors of the financial market. Even before VTB acquired TransCreditBank, its structure was based on the formation of a holding that adheres to a single development strategy. The brand offers all types of insurance, investment programs, savings deposits for clients of any level.

After the purchase of TKB securities, the corporate network of VTB Group became even wider, given that TransCreditBanks services were in great demand among business and private clients.

VTB network is also actively expanding on the international market. Today, banks and service companies of the holding operate in the territory of the neighboring countries. The financial institutions banks provide services to European clients in France, Germany and Austria. Also, a number of VTB Group banks in an associated structure operate in England, Cyprus and some Asian countries.

OJSC VTB Bank North-West is a large commercial bank serving clients in the North-West region of the Russian Federation. The financial institution is part of the VTB holding.

History

Bank VTB North-West (eng. VTB NWRC) was founded in 2006, after the acquisition of securities of OJSC PSB by VTB Group. At the meeting of shareholders on September 22, a new strategy was approved, which provided for the reorganization of the financial structure. At the end of 2008, VTB Group bought out the rest of the banks shares (25%) and concentrated in its hands a full package of securities. In the same year, all ATMs of the network came under the control of VTB 24 Bank, which specialized in servicing the retail segment of the banking business.

Activities

Today, North-West Bank VTB specializes in providing services primarily for large businesses. Almost the entire network of corporate clients is concentrated in the North-West region of the Russian Federation. A small number of clients are in the Kirov region. The bank serves over a hundred correspondent accounts of financial institutions from the Russian Federation and countries of the near and far abroad. As of 2016, the sales network consists of 29 branches. A feature of a financial institution is the competent diversification of credit assets and client base. The branch "VTB North-West" attracts practically all resources for development, introduction of innovative technologies and new products from the parent bank. The number of employees exceeds 3.5 thousand people. Thanks to its assets, the volume of which is estimated at a quarter of a trillion rubles, the bank has been in the TOP-20 largest credit institutions for many years.

In 2011, the branch "VTB North-West" was reorganized into the North-West Regional Center - North-West Regional Center. The main vector of the centers work is to serve businesses that operate in the following regions: Pskov, Novgorod, Vologda. SZRTS provides services to clients in Karelia, as well as the Kirov region, Kaliningrad, Murmansk and Arkhangelsk.

A wide range of banking instruments allows NWRC to optimally manage the business, taking into account the regional specifics. The number of corporate users of services provided by VTB Bank North-West with a full-fledged service exceeds 40 thousand. The main focus of the financial institution is on large business, providing it with comprehensive solutions regardless of complexity. The banks advantages come down to innovative services, a wide range of products, and an individual approach to each client. The bank offers not only the current service, but also whole complex programs aimed at developing a strategy and organizing partnership programs.

Bank services

Lending is one of the main vectors of the regional financial unit. The bank will provide loans under various programs, for example, for the purchase of current or fixed assets. Federal "North-West Bank VTB" provides funds in national and foreign currencies.

Short-term loans

Short-term loans are provided for a period not exceeding one and a half years. Companies are offered a line of credit, which in each case is considered individually and approved by an agreement.

Overdraft. This type of lending also refers to short-term and provides for the financing by the bank of a number of payment documents of the client when there are not enough funds on his accounts. A feature of overdraft lending is the execution of a minimum package of documents, which allows a business to quickly resolve financial issues. In the list of services of "North-West Bank VTB" there is also bill lending.

RKO from "Bank VTB North-West"

All banking services are reduced to settlements. If a full range of services is an optional condition, then a business cannot do without money transfers. The Bank offers enterprises and organizations innovative technologies that allow them to achieve high business results. In the list of advantages of the cash management system, which is positioned by the VTB North-West branch, it should be noted:

efficiency. The work of an extensive network of its own branches, as well as cooperation with the largest Russian and foreign banks, allows NWRC to perform settlement and cash services in an accelerated mode. Thanks to this, the business can count on optimization and timely calculations;
quality of service. Interested parties can use the special Client-TeleBank system, which is designed specifically for enterprises and allows you to interact with a financial institution remotely. With the help of the Client-TeleBank system, which is offered by VTB North-West Bank, the process of transferring funds is simplified and its security is increased. In addition, customers have the opportunity to use the information base at any convenient time.
Additional services for cash management are as follows:

conversion operations;
transactions in any currency;
collection;
delivery of clients valuables under protection.

Bank cards for the corporate sector

One of the most relevant solutions aimed at optimizing the costs associated with business activities and business trips is a corporate card. The practice of using corporate cards has been introduced in almost all international companies. Such a banking product is not only convenient, but also prestigious. VTB Bank North-West is an issuer of international format plastic cards.

A corporate payment card allows you to perform a number of financial transactions, namely:

accept funds;
pay expenses on the territory of the Russian Federation and abroad (in foreign currency);
carry out other financial transactions (payment for goods and services, including via the Internet).
North-West Bank VTB issues MasterCard Worldwide and Visa International cards. The card is connected to the Internet banking system, which allows the head of the company to control expenses. There is also an option of SMS-informing about any financial transactions on the account.

Fundraising programs for businesses

A wide range of deposit programs presented by the VTB North-West branch allows you to create a convenient scheme aimed at storing and exaggerating capital. Some of the deposits are focused on capitalization of interest, others provide for quarterly transfers. Some deposits allow you to withdraw part of the amount of money without losing the interest rate.

To open a deposit remotely, you can use the Client-TeleBank system, which becomes available after the conclusion of the relevant agreement.

Time deposits: "Overnight"

"Overnight" is an alternative deposit, which is short-term. In fact, the execution of the transaction for the placement of funds takes place for one business day (Friday). On Monday, the client can withdraw money along with interest.

For a business that is focused on getting the maximum income from a cash deposit, VTB North-West Bank offers to use a structured deposit. This form of placing funds in a bank is a combination of an investment solution and a deposit program.

When placing money in the accounts of SZRTS and regularly maintaining a minimum balance, the bank guarantees customers the accrual of certain interest rates, the amount of which depends on a number of criteria. Details are presented on the official website of the bank. Also, within the framework of savings programs, it should be noted the use of promissory notes and certificates of deposit.

Acquiring services from SZRTS

VTB Bank North-West has been providing acquiring services for a long time. The ability to pay by credit cards is provided for the 5 largest PSs, including JCB, Diners Club and American Express. Currently, the banks services are used by the largest Russian trade, medical institutions, hotel chains, restaurants and other representatives of large businesses.

Thanks to the service at the SZRC, clients can count on a high speed of transactions. The bank operates through its own processing center located in St. Petersburg. This is an additional plus, guaranteeing prompt payments.

As part of the provision of acquiring solutions, VTB North-West Bank guarantees an individual approach to its customers. Service users can count on changing the tariff plan if the turnover on bank cards increases or, conversely, decreases.

Installation and connection of the system is free of charge. The bank also provides training for cashiers. Payment in favor of the bank is carried out in the form of a commission from the turnover of bank cards.

VTB Bank North-West is a powerful player in the regional market. Serving tens of thousands of companies, the bank expands its influence, increases its assets and demonstrates positive dynamics.

PJSC Bank Vozrozhdenie is a personal bank that provides services on the territory of the Russian Federation to private and corporate clients. The headquarters is located in Moscow. The bank was founded in 1991. Carries out financial activities on the basis of general license No. 1439 issued by the Central Bank in 2003. On January 22, 2015, a new license was issued with the same number.

General information about the bank

The amount of the banks authorized capital as of 2010 exceeded a quarter of a billion rubles. Equity capital (IFRS data 2010) 16, 9 billion rubles. Amount of assets: 166 billion rubles. The bank ended 2013 with a profit of one and a half billion rubles. The number of employees exceeds 6 thousand people. The auditor is the transnational corporation PricewaterhouseCoopers.

Over the past two decades, Bank Vozrozhdenie has not left the list of the 30 largest financial and credit institutions in the Russian Federation. The ATM network includes more than two thousand self-service points (including ATMs of partner banks). The bank provides services to over 63 thousand representatives of business structures in more than 120 branches throughout Russia. The number of private clients exceeds 1.7 million.

Private lending

Bank Vozrozhdenie offers a wide range of loan products for a period of 6 to 84 months. The main loans are as follows:

Unsecured. Funds are issued without guarantors at a rate of 15%. The maximum amount of funds reaches 1.5 million rubles, and for the management staff of organizations - 2 million rubles. If the borrower observes the conditions stipulated by the loan agreement, after 12 months of using the funds, he can apply to Bank Vozrozhdenie online with an application for a rate reduction of 0.5%.
Secured by a guarantor. A prerequisite for the provision of a non-targeted loan in the amount of 100 thousand to 800 thousand rubles is a guarantee of a legal entity. The loan term does not exceed three years. The rate is 19%. An additional banking requirement is insurance against risks associated with disability and workplace disability. If this condition is not met, Bank Vozrozhdenie applies additional rates of 2.5% and 0.5%, adding them to the base.
"Car loan" up to 60 months. The vehicle is used as collateral. When buying a car of a domestic manufacturer, the loan term cannot exceed 36 months. The maximum amount of funds is 2 million rubles. A prerequisite is an initial payment of 15%. The loan rate is 17%. At the same time, the full rate can be as high as 22.6%.
Repair loan. The funds are allocated under a partnership agreement with Mosenergosbyt. Money can be spent on plumbing, electrical and other types of work. Loan terms are calculated for 6-84 months. Rate: from 15.5%. You can apply for funds through Bank Vozrozhdenie online after selecting certain services on the Mosenergosbyt website.

Mortgage products of Bank Vozrozhdenie

The financial institution offers more than 10 programs for the population in need of better housing conditions. Some of them are subsidized by the government.

"Apartment 2016". The program provides for the allocation of a loan in the amount of 300 thousand to 8 million rubles at a rate of 11.6%. At the same time, the full cost of the loan will cost the borrower at an interest rate of 13% -19%. The minimum contribution is 20%. A loan can be issued by a bank for up to 30 years. Subsidized by the state. Similar conditions are offered by the program "New building 2016".

"Vacation home". Bank Vozrozhdenie offers to use the service for buying a private house on the secondary market. The average rate is 16.5% - 20%. The maximum amount of funds that can be allocated to the borrower is 10 million rubles.

RC "ArcoDiSole". The mortgage provides for the purchase of housing in Moscow (RC "ArcoDiSole"). The loan amount can be up to 30 million rubles. The rate is from 13.5%.

Savings programs for individuals

Bank Vozrozhdenie offers a range of savings programs that can be executed in any currency. All deposits for private clients and individuals are opened for a period of 3 to 36 months. Currently, Bank Vozrozhdenie offers 4 main deposits online. Lets dwell on them in more detail.

Comfort Plus. The rate in rubles can reach 8.29% if more than 10 million rubles are deposited into the account. When opening an account for a minimum amount of 10 thousand rubles, the deposit rate is 7.4% -7.8%, depending on the term. In US dollars, the rate ranges from 1% to 2.2%, and in euros - 0.3% -1.1%. The minimum amount for opening a deposit in foreign currency is 100 (dollars or euros). Interest is paid every month. Clients have the opportunity to withdraw part of the funds, as well as replenish the account during the term of the contract.

"Cumulative plus". This deposit is targeted at the banks clients who plan to receive maximum income over a long period of time. Interest is charged to the client on a monthly basis. Any Bank Vozrozhdenie card or account can be used to receive funds. The rates for the program correspond to the "Comfort Plus" deposit. However, there is no provision for partial withdrawals. Account replenishment is possible. The initial deposit for opening an account is 30 thousand rubles, the maximum limit is 50 million rubles.

"Multicurrency". The program is an ideal solution for depositors who monitor changes in the foreign exchange market. The key feature of the banking offer is that non-cash conversion operations are available to the client at any time. The system allows the client to carry out exchange transactions online via Vozrozhdenie Internet Bank without losing profitability. The rate is charged from the moment money is transferred from one currency to another. The add-on option is available, and in a remote mode. The minimum deposit is 50 thousand rubles. The terms vary from six months to one and a half years. The rate in rubles ranges from 6.5% to 7.5%. Interest is capitalized.

"Perspective". A convenient deposit that allows you to receive income with minimal risks. The contribution is designed for two years. After half of the term, the client has the right to withdraw part of the funds. The rate throughout the entire period is variable and is presented in the range from 6.5% to 8.5%. The minimum amount is 30 thousand rubles. It is possible to replenish the account through the "Renaissance" online, including non-cash payments (wages and other receipts). Interest can be capitalized or paid to the clients account.

Bank Vozrozhdenie cards

The bank offers convenient and favorable rates for using borrowed funds from a credit card account. As of 2016, the financial institution offers three main rates.

"Base". The rate that takes effect after the end of the grace period is 26%. The client is given 55 days to pay off the debt without paying interest. The maximum card limit is half a million rubles.

"Loyal. Loan rate - 19%. The Bank Vozrozhdenie credit card with the specified tariff is available for the management staff of organizations, clients of a financial institution with a minimum service period of 180 days, as well as persons who have placed or have a deposit with Bank Vozrozhdenie in the amount of more than 300 thousand rubles. The rate is set for a period not exceeding 180 days. The maximum card limit is one million rubles.

"Privilege". The rate is 18% (180 days). The maximum loan amount cannot exceed half a million rubles. A Bank Vozrozhdenie credit card can be issued only within the framework of salary projects or to persons who have a deposit in the bank.

Additional services for private clients

The list of additional services of the bank includes opening accounts, transfers, paying bills and other operations. By opening accounts, customers can conduct non-cash transactions, receive transfers and carry out conversion transactions. Extensive networks of self-service points, as well as the possibilities of the Vozrozhdenie Internet bank online, allow paying for hundreds of types of services, as well as purchasing goods.

Business proposals

Bank Vozrozhdenie offers a variety of solutions for investors and shareholders, from reporting to corporate governance. As part of servicing corporate clients, Bank Vozrozhdenie is introducing comprehensive service packages designed to improve the quality of service and optimize income. The following services are provided for large companies:

RKO;
bank cards for transferring salaries, as well as for corporate purposes;
collection of proceeds;
delivery of funds and other valuables;
settlement centers designed for financial control over subsidiaries.
The bank also offers innovative development programs, which include the modernization of production processes, business consolidation, renewal of the vehicle fleet, etc. SMEs are provided with credit programs, including long-term financial obligations, cash settlement and payroll projects.

Nordea Bank is a financial institution that provides services to individuals and the corporate sector. The bank provides services in 9 Russian regions. The head office is located in Moscow. Carries out activities on the basis of the Central Bank license No. 3016. Audit services are provided by the worlds largest consulting group KPMG. Until 2009, the bank sold its products under the Orgresbank brand.

Assets and ratings

As of January 2014, the banks equity capital exceeded 35 billion rubles. The volume of assets was estimated at 259.5 billion rubles. The volume of its own funds, as well as attracted assets, allowed Nordea Bank JSC to take a leading position in the rating of Russian financial and credit institutions. So, according to the publication "Profile" for January 2014, the bank ranks 25th in the list of the largest banks in the Russian Federation, and 2 years later, a new rating was presented in the same magazine, in which the bank rose to 24th place. The bank has the highest level of reliability, confirming the minimum risk of default.

History: brand change

Orgresbank has been working in the financial services market since 1994. In 2006, ¾ of the securities were purchased by the Swedish corporation Nordea. According to official information, the deal was worth USD 317 million. Two years later, Nordea acquired another 17.7% of the banks securities from the EBRD bank. The deal was approved by the European supervisory authority in 2009. In the same year, a decision was made to rename the financial structure, and since September 2009, Nordea Bank is an official, new brand on the Russian market. At present, the Scandinavian group is the full owner of the securities holding of Nordea Bank JSC.

Nordea Group

The Nordea Group is the largest financial institution in Northern Europe. The head office is located in Stockholm. The amount of capital allows the Scandinavian group to rank among the largest credit and financial companies in the world. According to various sources, the Nordea Group is ranked 43rd to 48th in the world ranking. The company operates in 8 largest European countries, serving over 12 million customers. The number of branches in Europe and the Russian Federation exceeds 1,100. The number of corporate clients of the Group as of 2016 exceeds 750 thousand.

JSC Nordea Bank in Russia is one of the largest representative offices of the financial group and, according to Forbes, is included in the TOP-30 banks in terms of reliability. The Bank is a winner of many prestigious Russian and international awards, as well as a nominee for competitions. For example, in 2012 the financial institution was awarded as "The Best Bank for Capital Management", and in 2013 it became the best among Russian banks in terms of service quality.

On the territory of the Russian Federation, the bank serves more than 5 thousand representatives of the corporate sector, as well as over 70 thousand individuals. The list of services offered by Nordea Bank official is represented by classic banking services focused on all segments of the economy and servicing the retail segment.

Bank products

Currently Nordea Bank official website offers three service segments:

for individuals;
business;
financial institutions.
One of the latest services offered by the bank is the Nordea online system. The service has a simple and intuitive interface, as well as a simplified procedure for creating a user account.

Nordea online is a banking service that allows you to carry out any financial transactions on money accounts remotely. As an alternative to using banking through a desktop computer, modern applications for mobile gadgets are available to customers. The system is completely Russified, and access is provided free of charge. Moreover, on certain days of the month, users who use the Bank Nordea online system can carry out all monetary transactions without commission.

With the help of the Nordea service online, customers have access to all types of transfers, payment for services, purchase of goods. Also, users of the system can receive a digital statement of the operations performed at any time. In the RBS mode, conversion financial operations, opening and closing deposits, blocking, renaming and performing other operations with bank cards and accounts are available. The mobile app can be downloaded from the App Store and Google Play for free.

Bank cards

Using a bank card as a payment instrument allows you to eliminate any barriers to financial transactions. JSC "Nordea Bank" allows its clients to evaluate all the advantages of payment services from the world giants MasterCard and Visa Int., Whose services practically do not differ. At the same time, both payment systems are united by one - the world network, which allows you to pay with one card on different continents. The bank cards are equipped with a modern processor. For this reason, they are called "chip cards": all payment information is stored in a microprocessor. Thanks to new technologies, the security of the payment system has been improved. Therefore, observing all security measures, the client can be sure of the safety of funds. All cards can be used to manage transactions through the Bank Nordea system online 24 hours a day.

The bank currently offers several types of cards, namely:

Standard - the most common cards in the world;
"Electron" and "Maestro" (only Substation "Visa") - international class cards;
Gold - cards that allow you to get a high level of service;
Platinum - premium segment;
Virtual is a handy tool for secure online payments.

Service package for premium segment cardholders

Serving customers, holders of Gold and Platinum cards from Nordea Bank, takes place within the framework of providing a whole range of services. Thus, legal and medical support from PS VISA Int. Detailed information is provided by the Nordea Bank official website, as well as the portal of VISA Int. The partner of the provision of services is the International SOS concern. The service provides the following types of assistance to cardholders:

the opportunity to receive medical advice in any country in the world;
providing data on the work schedule, the location of medical centers and other information regardless of the location of the bank client;
the ability to order medicines or equipment (payment at the expense of the client);
assistance in the need for transportation to another country;
provision of legal information.

Insurance guarantees for VISA Platinum cardholders

All holders of Nordea Bank premium plastic cards are automatically included in the protection program for purchases made through the card. The warranty period is 3 months. In the event of theft of the goods, the customer is paid the full amount of the loss. Registration of all purchases takes place automatically.

Extension of the warranty period for the product. Within the framework of this program, Platinum cardholders are provided with a guarantee for goods purchased with a bank card for a period of 24 months. The warranty for equipment or other goods is extended even if the manufacturers warranty period has expired. The service remains relevant for those customers who purchase goods as gifts. Detailed information is presented on the official website of JSC Nordea Bank.

"Concierge Service". The service is designed for wealthy cardholders who may need information services in other countries, legal and medical advice. Customers can use the services 24 hours on any continent. The following types of information are provided free of charge:

availability of hotels in the country (city) and free rooms, booking, cost of living;
public transport schedule;
availability of rental, cost, class of cars, etc .;
about places for leisure, tourist routes, excursion programs;
about currency quotes;
visa support;
about medical centers, work schedules, availability of drugs, cost of services;
other information.
Delivery, purchase of goods and other types of services are carried out at the expense of the client.

Business solutions

Nordea Bank introduces innovative products for corporate business. Thus, the line of JSC "Nordea Bank" presents various types of investment services, cash settlement services, currency control, liquidity management and much more. For example, credit lines for a business segment are developed on an individual basis, taking into account the financial activities of the enterprise and the possibilities of collateral. Fixed and floating rates are provided.

For companies looking to re-equip production facilities, Bank Nordea online offers to use special leasing programs. For companies engaged in trade business, including international relations, optimal conditions have been created for mutually beneficial cooperation in the framework of trade documentary financing.

JSC Nordea Bank is a reliable partner, providing customers with attractive products and at the same time providing high quality service.

URALSIB Bank is a large universal financial institution operating at the federal level. The lines of business of a commercial bank are focused on servicing individuals and legal entities, namely: retail and corporate banking business. Organizational and legal form - PJSC. The main office is located in Moscow. The central office is in Ufa.

OnlineDengi is a powerful payment aggregator in the Russian and international markets. The service is actively developing and expanding its capabilities in various countries of the world.

The electronic system MoneyOnline began its activity in 2006. The owner of the company is the limited liability company "ComFinCenter".

History and achievements of the OnlineDengi service

As of 2016, the OnlineDengi service offers its customers about 70 methods that allow them to make payments in various directions. Payment can be made using mobile services and banking products. The list of partners of the company includes more than 2 thousand projects that operate in the global network. More than 6 million transactions are carried out using the service within one year. OnlineDengi is a member of the Electronic Money Association and RAEC.

The main focus of the payment aggregator is on the convenience of its users, ensuring high speed of payments. Thanks to the constant improvement of the service and the optimization of the technical platform for modern realities, the company demonstrates an increase in the number of active users and an increase in cash turnover. All stages of the payment service are accompanied by confirmation of the quality of services by appropriate certificates. Currently, OnlineDengi system is actively expanding its influence in the Asian and European markets. The companys transaction security services are certified by the Payment Card Industry Data Security Standard (PCI DSS).

OnlineDengi Products

The service offers a wide range of products focused on money transfers and payment for services. One of the activities is the acceptance of payments. As part of the partnership, the company offers:

efficiency when connecting;
convenient rates;
transparent conditions for partners;
the ability to integrate into a common payment system;
the ability to connect to various areas of business;
security of transactions;
using more than 70 methods of receiving funds;
individual development of business solutions;
a wide range of options in the users personal account.
The companys advantage is its work aimed at business performance. OnlineDengi service offers customers free consultations on how to connect. To connect to the payment system, interested parties such as online stores, electronic services, providers and other companies can use the simplest source codes or API integration. On the official website OnlineDengi, all materials are presented with detailed descriptions and examples of integration. The technical side of the issue can be performed by the client or by the payment service specialists.

To organize massive payments

Companies that operate in the gambling market, are associated with the gambling industry and the Forex market need to ensure regular massive payments. Also, bulk transactions may be needed when paying employees working remotely. The electronic service offers a mechanism that allows you to implement payment using:

various EPS;
bank cards;
through translation systems;
mobile payments;
others.
To implement the project, you need to integrate your site with the OnlineDengi system. Also, the client can use special modules that are located in the personal account.

The company offers several ways to organize massive payments. Different software packages offer different conditions. For example, a client can choose a service that does not provide for the processing and storage of transaction data. You can also choose the most suitable money transfer method. The technical side requiring connection takes a minimum amount of time.

For payment services

Using the OnlineDengi system, you can accept payments far beyond the borders of the Russian Federation and neighboring countries. The company offers geographic expansion to the online payment market participants. To receive money, you do not need to create dozens of accounts and conclude agreements with various payment services. DengiOnline independently concludes legal agreements with foreign companies, saving its clients a lot of trouble. You can accept payments to social networks, providers of various services, companies representing online games. The users personal account, which is offered by the OnlineDengi system, will completely replace the representative office abroad and will allow you to track the turnover of funds, add or remove new providers from the register. This is how the integration into a single payment system is carried out.

Methods of integration into the payment system

The easiest and most affordable way to integrate is to use a payment form. The client needs to create an account and then post the source code of the payment form on the site. The code is presented to the user in the personal account.
Simplified integration. An alternative connection method requires a minimum investment of time. The client will need to place a button on his portal that allows money transfers. After clicking, the user (buyer) is redirected to the page where verification takes place, the choice of the payment method and the order amount. A feature of this integration is simplicity. OnlineDengi client is required to use the system code that is installed on the website of the online store. There is no need to install software solutions that interact with the central processing platform EPS DengiOnline. But at the same time, it does not provide adequate protection for incoming payments. For this reason, the business representative assumes full responsibility for using the gateway.
CMS solutions. In the event that the site operates on a specific CMS, then the OnlineDengi system offers a huge selection of ready-made modules. In this case, the integration takes place using software and reliable protection of communication channels. In order to get ready-made modules, you need to contact the companys specialists.
Connect using the system
Site integration technology via API provides two ways:

connection via the main protocol;
connection via Global Service Gateway.
The first option is the most flexible. The client has the opportunity to create any payment form that will fit into the range of services provided. In addition, information about the name of the payment service used will be closed to the buyer. In order to integrate into the OnlineDengi electronic system according to this scheme, the client needs to do the following:

sign an agreement with the company;
provide service specialists with a technical description of the site (requires the involvement of a professional);
get a number of keys that are intended for identification in the system, for carrying out monetary transactions;
create an exchange of information between the PS and the site.

Integration over the Global Service Gateway protocol

The innovative service GSG is aimed at customers who use international payment acceptance in their activities. The processing service provides the highest level of information security. Business representatives distributing terminal networks around the world can use the services of the system. The service is also relevant for companies that allow users to transfer funds to the addresses of various service providers.

Thanks to the Global Service Gateway system, OnlineDengi service customers get ample opportunities for doing business:

favorable tariffs for clients;
making a profit as a commission:
24/7 help from GSG service;
the ability to accept payments to the addresses of a wide range of providers around the world;
obtaining the right to administer the client component of the service.

The principle of connecting to the service is similar to the method of integration using the main protocol and provides for the receipt by the client of identifiers and keys.

In order to connect to the system, you must leave an application on the official website of the company. Clients can use the "call back" service. Also, the OnlineDengi payment service offers an extensive affiliate program, in which not only a legal entity, but also an individual can become a participant. The conclusion of a partnership agreement allows the client to use his personal account, where he can generate advertising materials to attract new users. It will also provide information on the number of attracted clients and financial rewards for each.

OnlineDengi system offers comprehensive solutions for businesses and individuals. At the same time, PS provides an individual approach to each client, served by a personal manager. Support is provided around the clock.

The universal payment system PayAnyWay positions itself as a multifunctional aggregator focused on working with online projects.

General description of the system

The owner of the PS is Pei Eni Wei Limited Liability Company. The service was launched in 2010.

PayAnyWays mission is to provide financial services in the field of e-commerce, regardless of the direction of the company and the currency used for payment. When concluding an agreement, the interested party has the opportunity to connect a number of online projects and receive funds in any way, namely:

credit and debit cards;
banking;
mobile payments;
terminal networks;
EPS;
SMS;
others.
The payment aggregator provides its customers with a number of advantages:

connection to the system is free;
subscription fee - absent;
commissions are minimal;
high level of security.
PayAnyWay service operates on its own processing platform, which allows providing customers with a wide range of payment interfaces and functional options. A wide range of products is available for generating statistical and reporting data. Funds are withdrawn to the current account of the system user. The service operator is Moneta.Ru PS.
To register in the system, you must enter personal data, including legal information about the company and the website address.

PS offers ready-made modular solutions that are designed for all modern sites, for example,

PHPShop;
in;
CMS;
WordPress;
OpenCart;
1C - Bitrix;
Landingi;
others.
Tariffs in the PayAnyWay system:

connection of an Internet project, its maintenance and withdrawal of funds are carried out by the PayAnyWay payment system without withholding a commission;
commission for transactions using credit and debit cards - 2.9%;
commission when making payments through communication stores ("Svyaznoy") - 2.9%;
commission for payments through EPS wallets - from 2.5% (WM, "Moneta.Ru") to 4% ("Qiwi", "Yandex.Money", etc.);
commission for transactions using terminal networks - 1% (Eleksnet), 2% (Payment.Ru), 2.9% (Forward Mobile, Leader, etc.);
commission for transactions using postal and bank transfers - 1%;
commission when making payments through online banking - 2.9%;
commission for transactions using SMS notifications - 4% (only Russian mobile operators are accepted for payment).
Note

All tariffs are valid on the territory of the Russian Federation for clients who are its residents. The user is notified of the need to pay the commission before the transaction is completed.

Commission for PayAnyWay transactions using Yandex.Money EPS can be increased up to 8%. The size of the commission depends on the type of services provided by the online store. Also, the commission percentages differ when paying for goods using QIWI. So, when paying for travel products, the commission rate is 4%, for gaming content - 6%.

The maximum amount of a one-time money transfer through terminal networks cannot exceed 15 thousand rubles.

Some financial transactions are not available for paying utility bills. Funds are credited to the users current account without commission. Also, the PayAnyWay payment system does not use a fixed minimum amount for transactions.

Security of transactions when using the PayAnyWay service

The PayAnyWay system guarantees a high level of transaction security, which includes protection at all levels. Operations are carried out in accordance with the PCI DSS standard. Particular attention is paid to the protection of bank card data. For this, transactions with MasterCard cards are protected from fraudulent activities using the innovative SecureCode technology, and VISA cards are protected by 3D-Secure. All interested parties have the option to use two-level identification to log into their account.

System connection

To connect, the interested party does not need to provide any documents. The only caveat is the provision of an Application for connecting the service. It is necessary to send the original application within a month from the date of the account creation. With this convenient PayAnyWay connectivity, reviews of the payment aggregator are presented in a positive way.

The procedure for connecting a company to a substation is as follows:

familiarization with the information provided on the EPS portal;
selection of a module that fits the technical solutions of the site;
creating an account;
indication of reliable information and company in the Personal Account;
technical connection;
sending an application for connection.
Cooperation can be terminated without submitting an application for concluding a contract. Within the framework of one agreement with the PayAnyWay service, interested parties can connect several online projects.

Reporting and statistics

System users can get any statistical information for a certain period. Data can be generated for specific periods and presented in the users personal account. The format of the document in the PayAnyWay system, reviews confirm this information, is understandable not only for accounting employees, but also for ordinary users.

Ample opportunities for money management

In some cases, a refund is required to the buyer, which may be due to the lack of goods. The amount can be refunded in full or in part. PayAnyWay money can only be sent to the card with which it was transferred to the merchants current account. The return period is up to 10 days.

To make a chargeback in favor of the buyer, you must open a specific operation in the users personal account. After choosing the "Refund" option, you must confirm the financial transaction using the payment password. Similarly, funds are returned to the buyers electronic wallets. Refunds are possible only in the following payment systems:

"Moneta.Ru";
WM;
"Yandex money".
After entering the payment password, funds are credited to the buyers account instantly.

MarketPlace connection

The list of services provided by the PayAnyWay payment system to the market includes the connection of marketplaces. Payment service customers can commission PayAnyWay transactions and develop their business. The company offers innovative solutions for enterprises that have different organizational structures and are engaged in the sale of goods or services on one site. The company offers the following solutions:

the possibility of centralized management;
the ability to receive general information about transactions, as well as data on various areas of activity;
managing refunds from the central office;
the ability to form registers of transactions;
centralized distribution of invoices.
The PayAnyWay payment system can be used by legal companies, as well as individual entrepreneurs. All information provided by the user must be correct. The goods or services presented on the Internet resource must comply with the laws of the country in which it is registered.

Requirements for the site when connecting to the payment system:

information and goods must comply with legal regulations;
information and goods must comply with moral and ethical requirements;
the product or service must be described;
the site must be hosted on a paid hosting;
the Internet resource must provide buyers with comprehensive information about the owner. This includes details, address and other contact information;
the internet portal must be functional. All pages must comply with the codes established by the WAN standards. The resource does not allow the use of links that lead to other portals (without appropriate instructions);
the online store must install a banner in the form of an active link indicating that the service transactions are serviced by the PayAnyWay payment system;
the customer of the store must be aware of the payment, its procedure and the delivery time of goods or services;
the portal must be Russified.
In the event that an online store sells goods that need licensing or other permits, then the owner is obliged to place the relevant information in one of the sections. Information can be presented in graphic or text format.

The payment aggregator allows you to completely eliminate any restrictions on payment methods. Opportunities for customers are expanding, which means that their interest and desire to visit the store again to purchase a product or service increase. Thus, the PayAnyWay payment system increases business opportunities, while the automated service performs all its functions.

Payment aggregator WebCreds is a unified platform that provides private users, as well as interested business representatives in high-quality and up-to-date transaction service.

WebCreds has set itself the ambitious task of creating a single payment space in which all transactions will be carried out instantly, and the process itself will be as automated as possible.

EPS WebCreds offers

Using electronic wallets, users of a multifunctional service have the opportunity to make payments in favor of online stores, providers of various services, as well as carry out intra-system transactions between clients of the payment service. In turn, business representatives, namely the owners of electronic trading objects, using the functionality of the WebCreds service, can accept funds from buyers who manage electronic wallets.

The system makes it possible to use a powerful resource for entrepreneurs engaged in the exchange of funds, as well as those involved in withdrawing money from electronic wallets. Businessmen who own terminal networks and specialized kiosks for accepting payments in favor of service providers have the opportunity to replenish the list of recipients, as well as improve the level of customer service by expanding the list of forms and methods of payment.

Payment service WebCreds accepts payments to more than one and a half thousand online stores. PS specialists have also created their own iferta portal with a wide range of goods and services that are sold without paying commission. The company is actively working offline, forming its own terminal network in the payment market. In general, the electronic payment service offers users a standard set of services that correspond to the realities of the modern Internet payment market.

The owner of EPS WebCreds is Web-Systems. Start of work: 15.02.2008. The first currency of the service was "credit", after which the payment service was named. At the first stage, the internal currency of the system corresponded to 10 rubles, but after a few months the owners of the company decided to equalize the “credit” with the ruble. Despite the change in equivalence, user investment has remained the same.

The WebCreds company is developing at a fast pace, introducing new methods of replenishing funds, withdrawing them to bank accounts and cards, connecting new terminals. To promote its services, the payment system uses a set of tools, in the list of which the emphasis is on outdoor advertising. In the global network, the advertising promotion of EPS WebCreds services is lost against the background of offers from other companies that have extensive experience in the e-commerce market. At the same time, offline advertising allows you to attract new users who have not yet had time to appreciate the benefits of other services.

Creation of an account in the system does not cause any difficulties and takes no more than 2 minutes. After gaining access to the system, the user receives an electronic wallet that can be replenished using other PSs, a bank payment system with debit cards, bank transfer, through terminal networks, ATMs and many other methods. To withdraw funds, you can use a bank account or card. Terms of enrollment take no more than 1-2 business days. At the same time, the WebCreds service is actively expanding its capabilities by concluding agreements with various exchange systems, which will allow using alternative methods of withdrawing funds. All financial transactions are carried out in national currency. Withdrawal restrictions: the minimum amount is 700 rubles.

Commission rates for money transfers in the system and other transactions are quite flexible, namely:

withdrawal of money through a bank card or account - 5%;
payment to providers, online stores and other services - 0%;
transfer of funds within the system - 0.6% (the amount is charged from the sender);
depositing funds to an electronic wallet account - 0% -15%.

When replenishing an account, the amount of commission depends on the service that the client will use.

As part of the expansion of the WebCreds network, the company offers participation in an affiliate program involving representatives of online stores, providers, exchange services, and private users. Information about partnerships is presented on the official portal.

Payment for services with WebCreds

The company offers a wide range of payment for services. At the same time, key suppliers and providers can be identified:

payment for housing services - Mosenergosbyt (Moscow and other large cities of the Russian Federation), other utilities;
transactions in favor of Internet providers - Golden Telecom, Skylink;
payment for digital goods (software, music, online games, etc.);
replenishment of telephone accounts (IP, mobile and landline);
payment for satellite TV services;
transactions to suppliers of tickets for various types of transport.
The electronic service WebCreds allows you to create many wallets. The easiest way to top up is to use the scratch card offered by the system. Top-up cards are issued under the name WebCred and are presented in denominations from 500 to one thousand rubles. Also, money can be transferred to the account from other electronic wallets, for example, "Yandex.Money" or "Qiwi". With the help of Internet banking, the client can deposit funds to the WebCreds e-wallet account through MasterCard and Visa bank cards. At the same time, the payment system uses some restrictions for its customers, namely:

replenishment of a virtual account can be performed only from the card, the owner of which is directly related to the WebCreds electronic wallet (is its owner);
when carrying out financial transactions, funds are not withdrawn from the card instantly: the money is blocked by the issuing bank. After checking the information confirming the fact of payment or its cancellation, the bank that issued the card releases the block and transfers the money to the recipient. After the transaction is completed, the funds that were spent are displayed in a separate electronic wallet. A separate wallet is intended so that the seller can make a refund in case of cancellation of the sale. In this case, a refund is possible only to the bank card with which the payment was made.
the size of financial transactions for one wallet is limited. The user cannot deposit more than 10 thousand rubles in a single payment. The monthly limit is 30 thousand rubles. The minimum amount for a single transaction is 300 rubles. In the event that the client did not use the money to pay for services or goods, they can be returned to a bank card or account. To do this, you need to contact the WebCreds service with a corresponding statement;
money is withdrawn only to the bank card from which the transaction was made to the e-wallet address.
Creating wallets and working with the service does not require specific knowledge. The client must have the skills of a global network user. All information on the WebCreds portal is presented in a logical sequence. Therefore, the client does not need to spend a lot of time looking for the necessary information. After creating an account and replenishing a virtual account, the client can immediately proceed to payment for services or online purchases of goods.

Security guarantee of the WebCreds payment service

The data protection system is based not only on the general security concept, but also on individual nodes. Thus, the WebCreds service implements the following payment information protection schemes:

identification of both participants in the financial transaction;
confidentiality guarantee;
ensuring the integrity of each operation and message between clients (system);
ensuring the delivery of data to the addressee;
entry into the register of all transaction data, as well as information messages;
the inability of the user to refuse authorship of a financial transaction or message.
The Internet connection provided within the certified SSL standard does not guarantee the absolute security of the financial transaction. Therefore, the WebCreds service carries out comprehensive data protection, which is guaranteed at the highest level. The security system includes the following elements:

client-level protection. This includes the ability to create a virtual card, several levels of payment protection, system control of the users login to his account;

technical protection is provided by encrypted communication channels, delimitation of information transfer methods for verification and transactions, the use of a virtual keyboard by the client, binding to an IP address.

Additionally, the WebCreds service ensures the protection of plastic card data.

JSC "RosselkhozBank" is one of the largest banks in the Russian Federation. The joint-stock company was established in March 2000 by order of Vladimir Putin as part of the development of the credit and financial sector of the agro-industrial complex. Currently, a commercial financial institution is a universal service that provides all types of banking services.

The sole shareholder of JSC RosselkhozBank is the federal executive body represented by the Federal Property Management Agency. According to Forbes, the Russian Agricultural Bank is one of the hundred most reliable banks in the world.

Financial institution activities

As of January 2014, the assets of the financial institution exceeded 1.9 trillion rubles. From 2008 (until 2015), loans worth 2.3 trillion rubles were allocated for the development of the agro-industrial complex. Within the framework of the general state financing of credit programs for field work, according to information for 2013, RosselkhozBank held more than 75%.

The financial institutions loan portfolio as of December 2013 exceeded 1.27 trillion rubles. Of the total volume of the loan portfolio, the amount of financing of individuals amounted to 247.1 billion rubles. For the needs of small and medium-sized businesses, the bank has allocated more than half of the loan funds - 571 billion rubles. RosselkhozBank ranks first in Russia in financing credit programs for small and medium-sized businesses, as well as for the agro-industrial complex. There are 76 regional branches of the bank throughout the country (information as of July 2015).

Offers for individuals: loans without surety

The bank offers a number of credit programs aimed at clients of different social status and age. For individuals who receive wages through the "RosselkhozBank", an interest rate of 15.5% is offered. Clients who have a RosselkhozBank salary card can count on an increased loan amount, as well as the opportunity to use a preferential interest rate. Funds are allocated for various needs and do not require surety or collateral.

A special offer for pensioners is a "pension" loan at 14.5%. The loan does not require a guarantee and is provided for any purpose. The maximum loan term is 7 years. The amount of funds varies from 10 thousand rubles to 500 thousand.

Lending to individuals with collateral

Funds are allocated to the borrower in the event that the collateral is provided. The interest rate is 14.5%. The funds are allocated for a period of 1 to 60 months. The maximum loan amount is 1 million rubles. As of 2016, the RosselkhozBank card allows the borrower to take advantage of the terms of the preferential program and receive the minimum interest rate.

As special programs, the bank offers to use the receipt of funds for targeted use. Thus, the Sadovod loan program is aimed at owners of garden plots. The money is allocated for the purchase of a land plot, repair work, construction of a house, etc. The interest rate on the loan is 19.5%. The maximum loan amount is 1.5 million rubles. A prerequisite is the security of the collateral.

To provide housing with running water, gas, electricity and other benefits, "RosselkhozBank" online offers a loan "engineering communications". The loan rate is 20.5%. The maximum amount is 1 million rubles. A pledge of liquid property is required.

Car loan

Bank customers can use the receipt of funds to purchase a new vehicle. The loan amount can reach 3 million rubles. Loan terms - 5 years. The interest rate on the loan is 17.5% subject to an initial payment of 15% or more.

Deposit programs from "RosselkhozBank"

The bank offers a range of savings deposits that provide high interest rates. Among the advantages of accumulative programs from JSC "RosselkhozBank" are the following:

high interest rates;
the opportunity to receive interest in case of early termination of the agreement;
the possibility of receiving funds in the form of monthly interest or capitalization of the deposit;
the ability to deposit funds to a deposit account;
the ability to withdraw part of the money without losing interest;
flexible conditions for clients.

Deposit "Gold"

The bank offers to use the accumulative program, which provides for increased interest rates. The deposit can be opened in any currency. There is also an online opportunity from RosselkhozBank, with the help of which a deposit is opened remotely (without visiting a bank branch). The minimum deposit amount is 1.5 million rubles (in dollars and euros - 50 thousand). The rate depends on the amount of the deposit, as well as the term, and ranges from 7.4% to 9.6% in rubles (2016). The interest rate in dollars varies from 0.7% to 3.6%, in Euro - 0.05% - 2%.

Deposit "Save up for a dream"

For individuals, there is a deposit program that provides for obtaining favorable interest rates. For the Russian ruble the interest rate is 7.4%, for the dollar - 1.8%, for the euro - 0.75%. The minimum amount of funds is 3 thousand rubles, the maximum is 10 million. Regular replenishment of the deposit account is provided. The term of the agreement with the bank is 2 years. For users who plan to take out a loan from RosselkhozBank, termination of the agreement is provided with preservation of interest on the deposit.

Pension Plus deposit
The minimum amount of funds that must be deposited into the account is 500 rubles. The term of the deposit is 2 years. Interest rate 7%. Upon conclusion of a 395-day contract, the interest rate is 6.8%. The deposit can only be made in rubles.

Bank cards from "RosselkhozBank"
One of the most popular payment instruments are credit cards, which allow you to use borrowed funds in the absence of the required amount. This eliminates the need to contact the bank branches. As of 2016, RosselkhozBank online offers a number of credit cards that have different interest rates and allow you to use certain cash limits.

Amur Tiger card
According to the terms of the bank, interest for the use of borrowed funds on an annualized basis is 23.9%. The maximum amount provided under the program is 250 thousand rubles. During the first year, the RosselkhozBank card is serviced free of charge. In the future, an amount of 700 rubles will be charged from the clients account (for a year of service).

Master card

For customers who often use credit cards to pay for goods and services, the "Host" Card will be the most profitable option. The interest rate for the use of funds and the maximum loan amount meets the conditions for the Amur Tiger credit card. At the same time, the Rosselkhozbank card allows you to use the cash back option. When paying for goods and services in any retail outlets, the client is refunded to the account 1% of the amount spent. When using a credit card to pay for gas station services, 5% of the cashless payment is returned to the users balance. During the first year, the "owner" card is serviced free of charge.

All credit cards of the bank have a grace period of 55 days.

Clients who need a reliable financial instrument can use Rosselkhozbank debit cards. A financial instrument in the form of a card is accepted for payment anywhere in the world. Accounts can be opened in one of three major currencies. To issue a personal debit card, an individual must contact any bank branch.

Virtual card: "Rosselkhozbank"

Visa and MasterCard payment systems support the use of virtual cards, which are in demand all over the world, despite the absence of a physical medium. The "RosselkhozBank" virtual card allows you to carry out financial transactions without specifying the details of the plastic card. By using the details provided by the bank, the client can make online purchases without risk.

In most cases, the issuance of a virtual card involves the use of a certain limit of funds in accordance with the tariff plan. Bank customers who cooperate with JSC "RosselkhozBank" online, that is, connected to the remote service system, have the opportunity to order a card in real time without visiting a bank branch.

Today RosselkhozBank is not just a large institution, but a reliable partner for individuals who wish to use financial instruments to achieve their goals. The bank offers credit and deposit programs for individuals, convenient payment instruments for enterprises, organizations and institutions, and large investment projects for depositors.

TeleMoney service is one of the "young" electronic payment systems. EPS offers innovative business solutions and also provides service to payers.

What does the TeleMoney service offer to its customers?

The companys mission is to create a complex of payment instruments that will simplify the implementation of transactions. The system includes a multi-level motivation system for attracted users, which provides for financial rewards. The key advantages of the TeleMoney service are:

maximum level of payment security;
automated control of all transactions with detailed reporting;
ease of use by customers;
ease of account management;
a unique marketing technique for attracting new users;
availability of a support service in the field of IT;
implementation of instant transactions;
round-the-clock work.
TeleMoney service allows you to carry out transactions in favor of various service providers, buy goods online at sites that are its partners. Payment can be made with Visa and MasterCard bank cards. Also, electronic "title units" of the WebMoney service are accepted for payment in the equivalent of any currencies.

Electronic service owner

EPS started working in 2010. The owner is a limited liability company "Comfort Plus". Currency: ruble.

Features of the payment system

TeleMoney payment platform provides a traditional range of services for individuals and businesses. At the same time, the company uses user incentive techniques to expand its influence in the e-commerce market. The service offers a 50% refund on every payment. The funds received in the form of a refund can be spent in the Restok store, which is wholly owned by EPS TeleMoney. The store offers various groups of goods, which are presented in the form of lots. In fact, users can take advantage of a 50% discount on their purchase. The service developers justified their generosity as follows: "Users should be able to spend money, and do it with maximum benefit."

What does a user need to work with the TeleMoney payment platform?

The system requires a connection to the global network and can be used on any modern device. According to the information provided on the official website, the TeleMoney service provides flawless functionality in the following browsers: Chrome, Explorer and FireFox. Not tested in other browsers. Also, the service does not have any requirements for hardware and software.

Registration in the system follows the standard scheme. The user is advised to read the terms of the user agreement beforehand. A prerequisite for creating an account is Russian citizenship. Only one electronic account can be opened for one TeleMoney user.

The system offers its clients several levels of identification. The user who creates an account becomes the owner of the basic functionality. In total, the TeleMoney service offers 31 levels of identification, which provide for the provision of personal information.

When creating an account, the client of the payment service is provided with a set of a dozen numbers, which is the account number, as well as one of the identification elements. When creating multiple accounts, the TeleMoney service reserves the right to block a member for an indefinite period.

Account replenishment is performed using standard scratch cards. The following methods are also available:

mobile transactions;
depositing funds through terminal networks;
through bank payment cards;
Bank transaction;
electronic payment systems.
To withdraw funds, you can use the account of any commercial bank. The TeleMoney service also offers to withdraw money to a MasterCard or Visa plastic card. You can use the transfer of money to accounts of other electronic systems with subsequent withdrawals.

Tariffication of money transfers in the TeleMoney payment system

Withdraw funds:

through EPS - 3%;
to a bank account - 3% (+20 rubles);
to a debit card - 3% (+50 rubles).
Transactions involving replenishment of an electronic account in the system:

using bank cards - free of charge;
by bank transfer - free of charge;
all other methods - 3% -5%.
There is a fixed tariff for intra-system transfer - 0.5% of the transaction amount.

Bonus policy for private users

The TeleMoney service offers many characteristic features that other payment systems lack. A registered client has two accounts in the system. The main account is a place for storing funds that can be used to pay for the services of providers, purchases in online stores, deposit money into bank accounts, transactions to government agencies, etc. In turn, funds that were received as a return from purchases are saved in the basic account.

In addition to receiving rewards from purchases in stores that are partners of the TeleMoney system, users can take part in the affiliate program. The principle of operation of the program provides for the invitation of new clients. For the performed operation, the client receives a fixed reward, and after each transaction carried out by the referral, an additional deduction to the account of the basic wallet. The funds from the basic account can be used to pay for goods at the Restok store.

Business proposals

The TeleMoney service offers many solutions for trade enterprises. For example, a store owner has the opportunity to receive interested customers by connecting a special service that allows him to accept bonus funds as payment. Thus, the funds will go to the basic wallet of the store owner. At the same time, the buyer will receive a huge 50% discount by showing interest in the following items. This marketing policy is unique and applies exclusively to the TeleMoney service.

The TeleMoney system connects to its payment acceptance service only legal companies and private entrepreneurs operating on the basis of certificates. Connecting the store by individuals is not allowed. Requirements for the activities of a trader are traditional: legality, the presence of a functional site on paid hosting, and the provision of contact information. In addition, there are other conditions that can be found directly on the TeleMoney service portal.

TeleMoney maintains partnerships with large companies that supply various services. Among them it is worth highlighting:

financial institutions - Sberbank, VTB 24;
mobile operators - MegaFon, MTS.
Also in the list of partners are online game providers, providers and other companies. The system allows individuals and business representatives to receive income. This includes the minimum commission for account replenishment, withdrawal of funds, internal transactions. Moreover, an interesting system of bonuses allows you to expand the companys strategic directions to attract a new target audience.

Business processes are based on reselling. The operator of the payment service is SS Rapida.

Protection of information space in the TeleMoney system

The service guarantees the confidentiality of all information provided by users, the safety of money in electronic accounts and the complete security of all financial transactions. The service database works offline and is reliably protected from hacker attacks. The entire range of services offered by the TeleMoney service is controlled by the security service, which monitors and suppresses fraudulent activities.

All data passing through secure communication channels between the users device and the companys processing center is protected by the HTTPS protocol. The information passes in encrypted form in accordance with the international standards of the SSL cryptographic protocol.

When carrying out a transaction on the server of the processing center, identification is performed, which provides for the provision of a certificate with a public key. In the event that the user has not signed the certificate or it is used by a third party, the transaction does not occur, and the user of the TeleMoney system receives a corresponding notification. Also, the client can take advantage of additional protection of his account, providing access to it within certain ip-addresses.

The modern TeleMoney service allows you to perform many monetary transactions within the system itself, as well as use funds outside of it. The unique concept of incentives combined with high security may be of interest to users who wish to pay for services, online purchases, and also plan to receive income through an affiliate program.