UniCredit Bank is the largest financial commercial organization with foreign investment. In terms of assets, UniCredit Bank is one of the leaders among the largest financial institutions in the Russian Federation.

Bank history

The history of the financial structure begins in 1989, when IMB was founded. The basis for its creation was the decree of the USSR Council of Ministers. Among the shareholders of one of the first commercial banks in the Russian Federation were Sberbank, Vnesheconombank and other financial institutions, including foreign ones. It was UniCredit Bank that became the first private business representative to start carrying out financial transactions in an international format.

The name UniCredit Bank received official status in 2007. In 2013, the bank signed an agreement with Raiffeisenbank on the consolidation of ATM networks. The voting securities of the bank are owned by the Austrian financial division UniCredit Austria, which in turn is a member of the general UniCredit group.

Modern achievements

Today UniCredit Bank provides customers with a high level of corporate service, while at the same time occupying a leading position in servicing individuals. The combination of a professional approach and understanding of the requirements of the parties interested in cooperation, represented by private and corporate clients, is the criterion that allows the bank to implement specific proposals and technological innovations.

UniCredit Group is present in the financial services market in more than 50 countries around the world. 16 branches located in the leading countries of the European Union have large assets. As of January 1, 2016, the number of employees of the financial group worldwide exceeds 125 thousand people. In the European part (eastern and central part), there are more than 3 thousand branches of the financial group.

The banks headquarters are located in Moscow. The banking license number is 1. In addition to serving clients in the private and corporate sector, UniCredit Banks online specialization includes treasury operations. In the Russian Federation, the bank has 106 branches (information for 2011), and also serves more than one million individuals.

Bank proposals within investment programs

The provision of individual bank safes is one of the services provided by UniCredit Bank to all customers. A safe deposit box will ensure the safety of any material value, from precious metals and works of art to documentation.

The bank guarantees:

complete confidentiality;
safety guarantee;
saving costs associated with the purchase of safes, installation of alarm systems, etc.

Investments in mutual funds under trust management

The main difference between investing in mutual funds from a traditional bank deposit is high profitability, especially when it comes to long-term programs. The shareholder receives the entire income from the investment, and UniCredit Bank receives a fixed fee. The bank offers clients to use trust management services. The banks professional specialists are interested in obtaining the maximum income from the growth of the clients investment, therefore they are investing in projects that are distinguished by high profitability.

All services that UniCredit Bank provides online within the framework of trust investment management are distinguished by high professionalism and transparent conditions for calculating profit. The client can track all financial movements in his personal booth (online mode). Clients are provided with information support. The minimum investment amount is 10 thousand rubles. The investor can independently set the investment terms, as well as perform the purchase of shares, their redemption and exchange.

The many years of experience that UniCredit Bank possesses, as well as information and technological cooperation with the UniCredit group, is a guarantee of investment security and high professionalism of the banks employees.

Investment deposits of UniCredit Bank: a brief overview

"Click Deposit". To open a deposit, it is not necessary to visit the banks office: it is enough to use UniCredit Bank online internet banking or the Mobile.UniCredit mobile application. The interest rate for deposits in Russian rubles varies from 6% to 7.34%. The minimum deposit amount is 15 thousand rubles.
"Salary". The deposit program is designed for clients who have a UniCredit Bank salary card. The deposit is possible only in rubles. The minimum amount is 15 thousand rubles. The interest rate compared to the "Click Deposit" is increased by 0.5%.
"First class". The peculiarity of the deposit, which is opened for a period of one to three years, is that the client has the opportunity to claim his funds without losing the interest rate. At the same time, funds must be on the account for at least half of the term established by the agreement.
"Universal". The deposit provides for the placement of funds in any currency. Its characteristic feature is the ability to withdraw part of the deposit amount at any time (without losing the interest rate). Partial withdrawal of funds from UniCredit Bank online can be performed no earlier than half a month after making a deposit.
"For life". A deposit can be opened for more than 100 thousand rubles. All major currencies are available to customers. The interest rate is 9% and the minimum investment deposit period is 2 years. The opening is carried out exclusively in the bank branches. To pay interest, a UniCredit Bank card is used or the deposit is capitalized.
This contribution is intended for high-level clients. The minimum funds are 1 million rubles. Interest on a deposit in Russian rubles starts at 8.75% (in dollars - 0.6%) when funds are placed for 180 days.

Project "Click"

Clients can store and increase their savings not only through investment deposits, but also by using current accounts, which are available in different (major) currencies. The interest rate for keeping funds is 5%. At the same time, the UniCredit Bank card can be actively used by the client to pay for services, goods, transfer funds to other accounts (repayment of loans, registration of deposits, etc.). You can use the cards capabilities through Internet banking. Using the Mobile.UniCredit service, payments can be made from anywhere in the world. Interest is charged on the cash balance.

Modern services: UniCredit Bank

One of the key issues to which UniCredit Bank attaches maximum importance is the introduction of information and innovative services. Currently, the bank offers the Enter.UniCredit service - an Internet bank that allows you to manage your finances 24 hours a day from anywhere in the world where there is access to the global network.

With the help of Enter.UniCredit, clients receive a lot of advantages, among which it is necessary to focus on the following:

full control over financial transactions on their accounts, regardless of the banks work;
the ability to pay for services from more than one and a half thousand providers (the list is expanding);
the ability to open deposits remotely in any currency;
transfer funds between your accounts, to other bank cards. Also, UniCredit Bank online allows you to transfer money to clients of other financial institutions with a minimum commission;
perform exchange financial transactions;
perform debt repayment on loans in various financial institutions;
get qualified advice in real time.
The mobile service opens up even more opportunities for the banks customers through the Mobile.UniCredit application, which is developed for the most popular operating systems. UniCredit Bank online guarantees secure payments using a mobile gadget. The list of benefits available to users of the mobile application corresponds to the capabilities of Enter.UniCredit. At the same time, their mobile service significantly expands the horizons of using the banks services and allows you to control all operations regardless of location.

A wide ATM network, which is offered by UniCredit Bank, is conveniently located in all regions of the Russian Federation. Customers can access cash at any time of the day.

Information service

Round-the-clock support is available for the banks clients. You can get advice, find out the balance of funds on the account, block a card or get qualified advice by calling 8 800 700 10 20.

PJSC Promsvyazbank is the largest commercial bank with an extensive network of branches and outlets throughout the Russian Federation. According to the authoritative edition of The Banker, Promsvyazbank PJSC possesses large assets and is one of the 500 largest banks in the world. The Central Bank of the Russian Federation included Promsvyazbank in the TOP-10 of the most important financial institutions in the country. The main office is located in Moscow.

Bank owners: management

88% of the banks assets belong to the Russian company Promsvyaz Capital B.V., which is owned by entrepreneurs D. and A. Ananievs. Less than 12% of assets are held by the EBRD. The head of the bank is Alexey Ananyev.

Bank activities

The international transnational corporation PricewaterhouseCoopers (London) renders consulting services to the bank. Subsidiaries of Promsvyazbank are:

Avtovazbank OJSC (Togliatti);
Primobank.
As of March 1, 2015, the banks assets amounted to more than 1.2 trillion rubles. Thus, Promsvyazbank took 11th place in the rating of the largest Russian banks. The net profit in 2014 was 2.3 billion rubles. The size of equity capital is 123.4 billion rubles. The number of personnel is over 10 thousand people.

Regional network

Currently, Promsvyazbank serves more than 100 thousand of the largest Russian organizations and institutions. The number of private clients in 2015 exceeded 2 million. There are more than 8.5 thousand ATMs in all regions of the Russian Federation, as well as hundreds of self-service kiosks.

Branches and branches of the financial institution operate in Cyprus, neighboring countries and the Asian region. In 2013, Promsvyazbank expanded its geography by opening a representative office in Switzerland. Also, the banks development strategy provides for the start of operations in Hong Kong.

Solutions for corporate business

A huge network of branches within the country, as well as the presence of branches outside its borders, the professionalism of employees and partnerships with the largest public and private financial institutions, allows the bank to provide quality services for business.

As part of liquidity management, stakeholders are offered the following range of services:

remote service (PSB On-Line, "bank-client");
currency control;
settlement and cash service;
conversion operations;
acquiring;
bank cards.
With the help of innovative PSB On-Line and bank-client services, which are provided by telecommunication networks, users can control digital document flow, payments and other information materials. Promsvyazbank online systems are aimed at business representatives, banking and other financial organizations. The software applications are adapted for MacOS, Windows and Linux.

Corporate cards

For stakeholders who need careful control over financial expenses, and at the same time, ensuring that the costs associated with employee travel are minimized, Promsvyazbank corporate cards can be a convenient solution. With the help of corporate cards, you can get a detailed statement of expenses and report to the accounting department.

At the same time, Promsvyazbank provides a convenient service that allows you to receive a detailed description of expenses in digital form to your mailbox. The statement can be provided daily or monthly, depending on the system settings. Promsvyazbank corporate payment cards are issued for making payments on the territory of the Russian Federation and abroad. PS MasterCard and VISA cards can be used for entertainment and travel expenses in any country in the world. Connection is free.

Cards for payment of customs procedures

Business representatives can use customs cards, which allow them to solve several main tasks:

reduce labor costs;
speed up the procedure for payment and registration of goods;
exercise full control over financial transactions.
The business owner will be able to control the card account balance using the Promsvyazbank online service at any time of the day. Information about payment can come in the form of SMS to the phone or notifications to the managers e-mail. Several plastic cards can be connected to a bank account. The cards can be used at all customs posts of the Russian Federation.

Using terminal networks, customers have the ability to pay customs duties and other services in real time.

Salary projects from Promsvyazbank

The bank is an issuer of various debit cards of the leading payment systems MasterCard and Visa.

Payment for the processing of salary projects is determined based on the total payroll of each company. Installation of an ATM can become an additional item of expenses. Today, Promsvyazbank cards are a convenient and profitable solution for remuneration of employees, since the bank does not charge a commission for withdrawing funds in its own and partner ATM networks.

One of the key advantages of a salary project at Promsvyazbank is the ability to manage it remotely. For this, the financial institution provides two PSB On-Line service modules, which allow servicing accounts without leaving the office. A significant part of the banks products are provided on favorable terms, as well as free of charge. For example, the PSB-Retail system allows you to manage your account at any time of the day, regardless of the banks work.

An additional advantage is the ability to pay for goods and services through banking without commissions (in companies that are partners of the bank). The cash-in option, which is equipped with ATMs, allows you to use Promsvyazbank online for currency exchange.

Private lending

As part of consumer lending, Promsvyazbank has developed a number of flexible tariffs that make it possible to receive money on favorable terms for government officials, holders of salary cards, depositors and other clients. Some of the banks proposals:

For employees of budgetary organizations and civil servants:
loan amount - 100 thousand - 1 million rubles;
rate - 15.9%;
terms - from 6 months to 7 years;
borrower age - 23-65 years;
penalty fee - 0.06 (per day of delay).

Employees of accredited companies:
loan amount - 100 thousand - 1.5 million rubles;
rate - 17.9%;
terms - from 6 months to 7 years;
borrower age - 23-65 years;
penalty fee - 0.06 (per day of delay).

For clients who have Promsvyazbank salary cards:
loan amount - 100 thousand - 1.5 million rubles;
rate - 15.9%;
terms - from 6 months to 7 years;
borrower age - 23-65 years;
penalty fee - 0.06 (per day of delay).

For bank depositors:
loan amount - 100 thousand - 1 million rubles;
rate - 19.9%;
terms - from 6 months to 7 years;
borrower age - 23-65 years;
penalty fee - 0.06 (per day of delay).

Mortgage lending from Promsvyazbank

New building program. Clients are provided with funds at 11.4%. The initial payment must be at least 20% of the cost of housing. The minimum age of the borrower is 21 years. The maximum loan amount is 8 million rubles (Moscow region), regions - up to 3 million rubles.

"New building" program at 13.8%. Clients of Promsvyazbank residing in Moscow and the region can expect to receive funds in the amount of up to 30 million rubles. The maximum amount for the regions is 20 million rubles.

Buying a home on the secondary market. The bank allows you to use a low interest rate at 13.35% to purchase an apartment or house on the secondary market. Also offered are secured targeted loans at 13.35%.

Also for clients is presented a non-targeted loan "Alternative" secured by real estate. The service is relevant for people who want to start their own business. The interest rate is 17.5%.

Electronic money

The most popular payment services that allow the use of electronic money are QIWI, WebMoney, Yandex.Money and many others. The modern service that Promsvyazbank provides online allows you to transfer funds between a bank account and an electronic wallet. To transfer money, you can use the PSB-Retail virtual bank, terminal networks or visit a bank branch. Funds are credited to the account instantly, and they can be carried out at any time of the day.

Payment of bills and other services

The banks clients have access to options for paying bills, services, goods, fines, buying tickets and much more. Also, users of the Internet Bank can make money transfers to any part of the world, using favorable rates.

Account service

For clients, Promsvyazbank offers a service that provides for the opening and full servicing of accounts. Unlike debit cards, accounts have no limits on the storage of funds. On average, the savings program provides for a rate of about 6% per annum. The account holder receives a number of benefits, in particular:

storage of funds without time limits;
making transfers anywhere in the world;
conversion of funds;
the use of funds for the implementation of identical streaming expenses (payment for the services of providers, replenishment of accounts, transfers to debit cards of Promsvyazbank and other banks, payment of utilities, etc.);
simplification of the transfer of funds to deposits;
management and control of finances through the Internet bank.

For holders of salary cards

Clients who use Promsvyazbank bank cards for payroll receive many benefits. So, users can rely on a simplified scheme for obtaining consumer, mortgage and other types of loans. The maximum amount of an inappropriate loan reaches 1.5 million rubles at a rate of 15.9%. One of the banks proposals is the "Supercard", with the help of which the grace period can be increased from 55 days to 145. The maximum limit on a premium credit card is 600 thousand rubles.

PSBonus

When paying for services and goods by bank transfer, the holders of debit and credit cards are awarded bonuses, which can later be used to receive discounts. Using the PSBonus program allows you to save money by paying with your card. You can connect to the bonus program via PSB-Retail or by phone.

PSB-Retail

PSB-Retail is an Internet bank that allows Promsvyazbank cardholders to pay online for hundreds of types of services using a computer or mobile device.

Free money transfers

Holders of debit and credit cards, as well as accounts with Promsvyazbank have the opportunity to make money transfers in the amount of up to 10 thousand rubles without commission. Payment can be made using the PSB-Mobile application. The system provides for the formation of templates, which allows you to enter the details once when sending identical payments. All types of payments are carried out without commissions, including housing and communal services, communications, telecommunications services and others.

The huge regional network, the size of assets and a wide range of banking products make it possible to speak of the importance of Promsvyazbank in the systemically forming financial industry of the Russian Federation.

Raiffeisen Bank International is a cooperative network of financial institutions operating in 16 European countries. The main office is located in the capital of Austria. Raiffeisenbank subsidiaries operate in Russia, Ukraine and a number of other countries.

The RBI Banking Group began operations in 1927. The first name of the financial group was Genossenschaftliche Zentralbank. Only in 1989 the name was added with the word "Raiffeisen".

The Austrian group expanded its presence in Europe at the beginning of this century. According to The Banker, the international Raiffeisenbank group is among the TOP-200 largest banks in the world.

By asset size and other key indicators, subsidiaries of a financial group can be presented in the following order:

Poland:

bank assets - 13.5 billion euros;
staff - 5.5 thousand;
the number of branches is 351.
Russia:

bank assets - 12.4 billion euros;
staff - 8.5 thousand;
the number of branches is 212.
Slovakia:

bank assets - 10.2 billion euros;
staff - 3.8 thousand;
number of branches - 180.
Czech Republic:

bank assets - 8.7 billion euros;
staff - 2.7 thousand;
number of branches - 127.
Hungary:

bank assets - 6.93 billion euros;
staff - 2.2 thousand;
number of branches - 114.
Romania:

bank assets - 6.92 billion euros;
staff - 5.3 thousand;
the number of branches is 529.
Ukraine:

bank assets - 2.5 billion euros;
staff - 11.5 thousand;
the number of branches is 671.

Information as of 2014: Raiffeisenbank

Bank activities in Russia

The main office of JSC Raiffeisenbank is located in Moscow. The beginning of the activity - 1996. After the takeover of Impexbank, Raiffeisenbank issued a statement that it is the largest group of banks in the Russian Federation among those that operate within the framework of the presence of foreign capital. The officially united group began operations at the end of 2007. In the summer of 2016, Raiffeisenbank and B&N Bank entered into an agreement to merge their ATM networks.

The list of services provided by the bank in the Russian Federation is huge and focused on both individuals and enterprises. At the present stage of banking services, various remote services are offered. Thus, Raiffeisenbank online offers services through the options R-Mobile, R-Control, R-Connect and others. Since 2013, users have access to mobile services for mobile devices that operate on the iOS and Android OS.

Bank activity in Ukraine

In Ukraine, the bank began operating in March 1992. The financial institution was registered under the name "Aval". A year later, there were more than 10 regional branches in the country. The banks processing center was launched in 1996. On the territory of Ukraine, it was Raiffeisenbank that became the first institution to initiate the payment of funds to pensioners on plastic cards. The first pensions using bank cards were paid in 2001.

In 2002, the Ukrainian division of the bank, according to Standard & Poors, was included in the hundred best European financial institutions, and the next year it was recognized as the best bank in Ukraine. After the acquisition of a part of the banks assets (93%) by the Austrian company Raiffeisen Int in 2005, the bank was renamed into Raiffeisenbank Aval. 96.1% of the banks assets belong to the Austrian group. The bank serves over 4 million clients and offers a wide range of financial instruments for individuals, investors, legal companies and other financial institutions.

Banks competitive advantages

Raiffeisenbank serves hundreds of thousands of corporate clients, among which are individual entrepreneurs and large corporations. Working with corporate clients is one of the priorities, especially since this is facilitated by the unique experience of the financial group, accumulated over 20 years of work. A unique line of banking products that fully meet modern requirements allows meeting the needs of companies. Large businesses can count on individual support.

The principle of working with corporate and other clients of Raiffeisenbank is not only to implement the product, but also to provide a strong foundation that will allow building reliable partnerships in the future. In the future, such activities will allow for successful business development and serve as a basis for mutually beneficial cooperation in the economic sphere. This is precisely the fundamental principle on which Raiffeisenbank places particular emphasis.

Services for financial institutions and companies

The issue of payroll cards, as well as their servicing by Raiffeisenbank, is one of the priority tasks in cooperation with law firms, government organizations and institutions. Currently Raiffeisenbank cards provide comprehensive, fully automated services. Bank service allows you to get the following benefits:

minimization of costs associated with the payment of wages;
the ability to transfer funds to all employees using one transaction;
confidentiality of transactions;
free service within certain tariff packages;
comprehensive service with the ability to use accumulative programs;
the possibility of using credit funds on favorable terms.

Debit, credit and other types of payment cards

Raiffeisenbank is one of the leaders in the card business market. The financial institution is included in the list of members of international payment services, among which MasterCard International and VISA International systems occupy leading positions. On the CIS market, Raiffeisenbank cards PS American Express are presented. The bank also provides sponsorship assistance to financial institutions that wish to obtain membership in international PS. Acquiring services are provided separately.

Small Business Payment Cards

The bank offers the issuance of Visa bank cards for individual entrepreneurs. An entrepreneur does not need to have a current account to open an account. Among the advantages of the card are the following:

the ability to access the account regardless of the work of the financial institution;
the ability to replenish the Raiffeisenbank card in various ways, including payments from third parties;
the ability to use it as an electronic wallet for company employees (travel, flow costs, etc.) with the ability to control the business owner;
the ability to use as a means of payment around the world, both online and when used at ATMs or terminal networks.
As an additional service, clients get the possibility of insurance when traveling abroad. In addition, Raiffeisenbank cards allow you to view the account expenses by informing the client by e-mail. To set up and manage a card account, it is relevant to use Internet banking, including mobile banking.

To open a card by an entrepreneur at a Raiffeisenbank branch, it is necessary to provide statements confirming the conduct of entrepreneurial activities, as well as standard documents that are required to open an account. Detailed information can be found on the official website of the bank.

Correspondent relations

Raiffeisenbank implements a policy in the field of correspondent relations. The partners of the financial institution are Ukrainian and Russian banks, as well as institutions of foreign countries. The activity is carried out with institutions that are residents and non-residents.

The key service on which Raiffeisenbank online makes a special stake is the provision of services for multi-currency accounts. The service enables companies to use the entire diversified potential of the bank, which allows them to speed up financial transactions, as well as implement various projects. Processing of correspondent accounts is carried out through the central office of the bank.

Partners who open correspondent accounts with the bank can use all Raiffeisenbank branches to transfer funds. After receiving funds in branches and other offices, all funds are accumulated on the correspondent account, which is notified to the banks client in the form of a corresponding statement. Modern communication systems, which are carried out on satellite telecommunications, are a guarantee of the uninterrupted operation of the system.

The commission for financial transactions on correspondent accounts is charged in foreign currency. The interest rate is in accordance with the practice set by international standards. At the same time, when carrying out non-standard financial transactions that require additional costs, Raiffeisenbank charges additional fees. A special committee is responsible for calculating the interest rate on the balance of funds on correspondent accounts, which informs the client about changes in rates by an official letter.

Securities management

The Bank carries out all types of activities with promissory notes, corporate and government bonds, promissory notes and other securities in accordance with legal regulations. The client is the guarantor of financial transactions and other services. The list of services provided by Raiffeisenbank to corporate clients includes:

registration of transactions involving the settlement of bills between companies;
cash collection;
avalanche;
others.
Business representatives can take advantage of the placement of free cash in bonds of high liquidity. As an alternative to highly liquid bonds of the bank, clients are offered securities that are available on the market. Buying and selling financial assets can be short-term from several days to several years. Raiffeisenbank has a staff of qualified specialists who can provide clients with up-to-date information on the liquidity of certain securities.

Also, clients of a financial institution can count on documentary support of the transaction, the end of which consists in the registration of securities with the company. In addition, Raiffeisenbank can act as a payment intermediary and provide the interested party with proper storage conditions for bonds and other securities.

Operational management of financial flows

Today, one of the main factors that allows you to achieve success in business is the efficiency of decisions, as well as their competent implementation. Taking into account modern trends, Raiffeisenbank improves all technological solutions and provides equipment modernization. The work of a professional team, combined with modern technologies, allows a financial institution not only to provide customer service, but to do it at a high-tech level. Currently, the bank offers complex solutions for large businesses, individual entrepreneurs and private clients with different income levels.

Raiffeisenbank is a member of an international group that holds a leading position in Europe in the management of monetary operations. Such opportunities allow the bank to constantly expand the range of services and introduce the latest technologies in the CIS countries.

Rosbank is one of the largest banks in Russia. He is a member of the financial market in the French conglomerate Societe Generale, which holds a leading position in Europe.

In terms of assets, Rosbank is one of the 12 leaders on the Russian market. The financial institution serves over 3.6 million clients in 71 regions of the Russian Federation. The number of ATMs - 2600, branches - 450. The staff of specialists - 10 thousand people. Foundation year - 1993.

The merger with the financial company Societe Generale was completed in July 2011. It was in this year that Banque Societe Generale Vostok merged with Rosbank, and from this period the financial company began active activities aimed at improving service for users of banking services, introducing innovative technologies and other products that allowed the bank to take a leading position.

Business software: lending

Within the framework of providing financial assistance to small businesses and private entrepreneurs, loans are allocated for up to one and a half years. Funds are allocated for specific purposes, namely:

purchase of fixed assets;
purchase of transport, real estate;
repair work and construction.
Funds are issued in rubles. The interest rate ranges from 14% to 19%. The loan term can be increased up to 5 years if the borrowed funds are secured with collateral. The loan amount provided by Rosbank under the program starts from 150 thousand rubles. The borrower must have at least 25% in the authorized capital of the company. Also, the bank is required to provide a guarantee.

Commercial mortgage from Rosbank

Business representatives can take advantage of the terms of the program, which provides for the allocation of a loan secured by property. The interest rate ranges from 14% to 19%. Regular customers can count on preferential lending terms. Real estate, which the entrepreneur plans to buy out, acts as collateral. The purpose of the loan can be investment and other. The minimum amount of funds is 1 million rubles.

Car loan

A targeted loan is offered for the purchase of vehicles. The loan term cannot exceed 3 years. The minimum amount is 150 thousand rubles. Rosbank allocates funds at 13% -19% for new cars and various types of special equipment. At the same time, the bank sets restrictions on the purchase of vehicles. The purchase of used equipment, as well as cars that can be considered as luxury goods, is not provided.

Also, clients can take advantage of short-term lease of property with subsequent purchase option. Credit programs from Rosbank provide a number of advantages, namely:

efficiency in making a decision;
flexible terms within the loan;
bank guarantees for the fulfillment of obligations;
convenience when paying off debt.
Clients have the opportunity to pay the loan balance through the Rosbank system online without having to visit the branches of the financial institution.

For medium business

Rosbank allows medium-sized businesses to use the following services:

opening a cash account;
opening a deposit account (special offer for notaries);
settlement and cash processing;
special deposit programs;
currency control for international companies;
service of salary projects;
provision of safes for rent.
One of the activities of a financial institution is opening an account that can be presented in national or foreign currency.

Also, Rosbank online allows you to place free funds to save them and generate additional income. For medium-sized businesses, three deposits have been developed, each of which has its own characteristics and conditions:

"Standard";
Etallon;
"Grandee".
On average, the interest rate varies from 7% to 9% (in rubles) and depends on the amount of the deposit, the timing of the investment and the companys annual revenue. In accordance with Federal Law No. 177, all deposits placed after January 1, 2014 are protected by CERs.

For big business

For representatives of large businesses, Rosbank provides the following range of services:

RBS (active and passive settlement operations, service functions, etc.);
legal support of business ("business lawyer");
collection services;
acquiring;
Special offers.
For companies that need to transport funds, Rosbank guarantees secure collection. The financial institution provides delivery of valuables, banknotes and bargaining chips. Also, funds are transferred that were accepted for collection to the customers account in any commercial bank. Thus, a business can receive cash without having to visit a financial institution, as well as store it in one bank account.

Legal support

The "business lawyer" service, which is focused on large companies, provides for prompt advice on any legal and economic issues. Rosbank provides online consultations 24 hours a day, seven days a week. Clients can choose from three tariff plans that include a certain amount of consultations. The cost of services under the consulting program varies from 6.5 thousand to 15.5 thousand rubles. The service is provided by telephone and in writing. In the latter case, business representatives are issued:

regulations;
expert opinions;
other accounting and legal documents.
Information and legal support is provided on special terms for clients who have an account with Rosbank, and also use certain services.

For banks and financial institutions

For credit and financial institutions, Rosbank ensures the optimization of working capital and the reduction of costs associated with doing business. Organizations can expect to receive the following services:

Cash Managment;
work with correspondent accounts;
attraction of funds in the form of a minimum balance;
service of salary projects.
For financial institutions that are counterparties, Rosbank guarantees work with all types of documentary transactions. The list of Rosbank partners includes organizations on the territory of the Russian Federation and in non-CIS countries, relations with which make it possible to carry out currency transactions in all major types of currencies. To ensure non-currency transactions, Rosbank accounts are used, which are in the largest clearing groups. The efficiency of international settlements is guaranteed by telecommunication communication capabilities.

Correspondent accounts, which Rosbank opens online, provide customers with the following advantages:

individual rates;
provision of special preferential treatment;
the possibility of obtaining a multi-purpose overdraft loan;
organization and maintenance of special accounts;
the ability to receive interest on daily balances of correspondent accounts.
When a certain amount is formed on a correspondent account, which will be presented in the form of a minimum balance, organizations are able to get an interest rate that meets the conditions of the interbank market.

For non-bank financial institutions

To obtain comprehensive products and services, increase financing and optimize the development strategy of a non-bank financial company, Rosbank offers the following services:

work in the currency market;
servicing bonded loans
work in the capital market.
Work with all types of securities is carried out by the bank on the basis of a license that regulates the conduct of brokerage activities. All activities on the MICEX and the OTC market are carried out on behalf of Rosbank. At the same time, operations with shares are carried out at the expense of the client and on his behalf. The basis for doing business in this direction is a brokerage agreement with a client.

As of 2016, the main area of activity, in which Rosbank specializes, is the MICEX. By doing business in this vector, the client gets the opportunity to conduct transactions on the largest stock exchange.

Securities are traded in real time. Clients who work in the stock market are provided with personal service at all stages of their activities. At any time, Rosbank online professionals are ready to provide explanations in various aspects. The Bank conducts REPO transactions in foreign and national currencies with OFZ securities, Eurobonds of the Russian Federation and other countries, government and corporate shares.

Service for banks for issuing and servicing cards PS "Visa" and "MasterCard"

A financial institution that plans to enter the services market as a full participant is obliged to establish the issuance and servicing of bank cards of international payment systems. The possibility of issuing Visa and MasterCard is available only to associated, affiliated and full participants of international payment systems. However, joining the system is a costly process. Therefore, Rosbank provides services that allow commercial banks to implement a card program through their network. Thus, all settlements will take place through the Rosbank service, but a commercial bank can issue cards under its own trademark.

According to information for 2016, Rosbank is a sponsor of more than 90 commercial institutions that have successfully implemented card programs through the Visa and MasterCard payment systems.
The direction of work on servicing banks in this vector is a priority for Rosbank. Financial institutions are provided with the highest level of customer support. The bank provides full control over financial issues related to payment systems. A full technical service is carried out, as well as a study of the design parameters that the bank requires to implement the card program.

For private clients

Rosbank allows you to place cash deposits in various types of currencies, as well as precious metals for various periods (from 15 days to 730 days). The money back guarantee is provided by the national insurance system, as well as by Societe Generale Group of Companies.

Private clients can take advantage of various types of loan programs. Cash is allocated for a variety of needs, from cash to mortgage lending. Special programs have been developed for pensioners, employees of organizations and VIP-class clients.

For independent customers Rosbank online offers the following services:

qualified investors;
planning in the tax and finance industry;
service on the stock market.
Private clients are provided with safe deposit boxes for rent, conducting operations with precious metals, and various insurance programs.

Rosbank has created optimal conditions for clients of all levels. You can use the capabilities of a financial institution and manage your own money using a PC, mobile devices, and also a phone. Customer support works around the clock.

W1 Wallet One is an electronic payment aggregator that offers multi-service services for individuals and businesses.

The service began operations in 2007. The owner of the EPS is the O2 company (Moscow).

The W1 Wallet service operates in many countries around the world. You can use the capabilities of the payment system using a stationary computer, as well as mobile devices, for which the compans specialists develop special applications. The system offers simple registration, modern and intuitive interface. Account creation can be done using a phone number. The list of methods for replenishing an electronic account is huge, from electronic cash to Internet banking.

Electronic services of payment aggregator

Payment service "W1 Wallet One" offers three main products for customers regardless of their line of business.

"Single checkout" is a service that allows you to receive funds, as well as send them to different countries. To do this, the service offers to use a huge number of ways (about 120). The solution makes it possible to simplify the sending of funds, and to business representatives, their reception, taking into account all the requirements that modern realities put forward.
The second key product of EPS is the "W1 electronic wallet", which opens all borders for the buyer. Together with a virtual multicurrency wallet, the client receives a multifunctional cabinet, in which he can track the balance on the account, obtain statistical information. Also, for the convenience of payment, the formation of templates is supported. The entire history of financial transactions is stored in your personal account.
White Label presents innovative solutions that W1 Wallet implements for large businesses.

Achievements of payment aggregator W1 in numbers

As of 2016, the payment system serves more than 7 million customers in 80 countries around the world. Branches and offices of the company are present in 15 countries.

The service serves over 40,000 online stores and has a terminal network of over 15,000 self-service kiosks. The total number of payment acceptance points exceeds half a million.

The companys cash turnover exceeds $ 2 billion, and the number of transactions in one year exceeds 700 million. The multicurrency system W1 "Wallet One" serves 11 world currencies.

The W1 Wallet One system offers a wide range of options, in particular:

replenishment of accounts of communication providers, various types of telecommunication services, television;
payment of debts on loans;
transactions between system users (internal transfers);
replenishment of electronic accounts of other payment systems, for example, Rapida, WM, Qiwi;
replenishment of the internal balance using dozens of ways;
using an affiliate program to make money;
sending SMS notifications to mobile devices of all subscribers of the Russian Federation.

Wallet One security system

Payment aggregator "Electronic Wallet W1" has a certified security system. Moreover, in each country where the company is located, its activities are licensed by the relevant supervisory authority. The payment service "MasterCard" uses the SecureCode protection system. Verified by Visa security controls are also used. All information about transactions is transmitted over closed SSL protocols, which guarantee cryptographic information transportation. The general standard for the protection of payment information is set by the International Payment Card Industry Data Security Standard.

PCI DSS is one of the key ways to keep e-commerce payment secure. To comply with this standard, a company must comply with 12 data protection conditions. W1 Wallet One SS fully complies with PCI DSS requirements and passes all levels of security testing every year.

An additional element of protection is an anti-fraud system, which makes it possible to detect fraudulent actions of intruders even at the first stages of financial transactions. All of the above methods of protection put Wallet One in the list of leaders in making convenient and safe transactions.

Payment service tariffs

Commission for money transfers "Electronic Wallet W1" for stores within the payment tariff "Startup Wallet One Checkout".

Electronic money:

Wallet One 5%;
Yandex.Money from 4.2%;
Qiwi Wallet from 6.5%;
WebMoney from 5%;
LiqPay 4%;
MasterPass 5%;
The other 6%.
Bank cards:

MasterCard 5%;
Visa 5%;
Bank cards NSMEP 4%.
Internet banking:

Alpha click 5.5%;
Savings 5.5%;
Internet Bank PSB-Retail (Promsvyazbank) 5.5%;
Privat 24 4%;
Single Settlement Information Space 5%;
EFT 4.95%;
SID instant EFT 4.95%;
mTransfer 3.9% ‚min 0.30 PLN;
Alior Bank 9% ‚min 0.30 PLN.
Terminal networks:

Qiwi 6%;
TYME 6%;
Cashier 24 4%;
Handy Pay 4%;
Credit Bank of Moscow 6%;
24nonstop 4%;
Privatbank 4%;
CityPay 4%;
E-Pay 4%;
Bank24 National Credit 4%.
In most cases, the commission for payers is 0%. Through some payment systems, the commission is charged from payers, but no more than 1-2%.

Mobile operators:

MTS 6% (for payers 10%);
Beeline 6% (from 6%);
Megaphone 6% (10.6%);
KievStarUAH 4% (5.5%);
Tele2 6% (15.5%).
Payment "W1 wallet" within the tariff plan can be performed in favor of residents of any country in all types of currencies. The size of the commission for shops when transferring funds through bank branches is 4.9%. Payers are charged a commission in the amount of 1.47%.

Also, the “United Cashier” system provides for other tariffs targeted at small and medium-sized businesses. The tariff plans for large businesses and corporations provide for significantly lower fees for money transfers.

The system offers an innovative White Label service that allows you to get a dedicated wallet area, convenient settings and the ability to change the design for the companys brand. The project offers:

Open API is a service aimed at private entrepreneurs and medium-sized businesses. Integration into the W1 Wallet One system occurs instantly. Connection is free of charge. The service fee is $ 500;
White Label is a product that is developed according to the individual needs of the client. The duration of integration into the system is 60 days. The cost is 30 thousand dollars. Project maintenance - 2 thousand dollars. The complex provides a designer of providers, the ability to implement third-party PS, setting up a commission, as well as a mobile application;
solutions for aggregators that work with trade objects. W1 wallet software products are integrated within 120 days. The connection cost is 40 thousand dollars. Service - 2 thousand dollars;
solutions for large financial institutions to create wallets. The integration cost is $ 250,000. Service - 5 thousand dollars. Integration duration is six months.

Ready CMS modules of Wallet One service for the development of e-commerce

The "Electronic Wallet W1" system offers businesses ready-made solutions for doing business in the form of up-to-date modules that allow accepting online payments.

Wordpress WooCommerce

For example, the Wordpress WooCommerce module is a convenient solution for the Wordpress platform, which is simple and highly functional.

Drupal Commerce

Receiving funds with the Drupal Commerce module is used as the basis for many applications developed in PHP. Drupal is included in the list of software that operates under the GPL license.

CMS Joomla 3.5 Virtuemart 3

With the help of a common platform, novice entrepreneurs will be able to open their own online store with minimal costs. CMS Joomla from the "Electronic Wallet W1" service is distributed free of charge, which will allow you to use a modern tool for selling services and goods.

Modx Minishop2

The service is presented in the form of free software that allows you to organize trade in the global network, easily edit and manage the content of the site.

The payment service also offers the following ready-made modules for online stores: Simpla, Netcat, Bitrix, IPS Community Suite and dozens of others. Customers who have not found a suitable module for implementation on their own resource in the list can order its development from W1 Wallet One.

Withdrawal of funds

All users of the electronic system can use the option to withdraw funds. Withdrawal can be made using PS "Contact", payment transfer to a bank account, as well as through other payment systems. The minimum amount of funds that can be withdrawn using the Contact system is 60 rubles. For a transfer, the minimum amount is 600 rubles.

PayBox is a multifunctional cash-in system that provides merchants, partners and buyers with modern e-commerce services. The service integrates various payment methods into a common multi-currency system.

The company began operations in 2004. The owner is Paybox.ru Limited Liability Company.

The list of services provided by the PayBox service is diverse. Customers can take advantage of the following features:

accept funds on the online portal from third parties;
top up the accounts of various electronic payment services;
carry out currency exchange operations;
withdraw funds through various EPS;
perform monetary transactions against third parties;
carry out financial transactions within the framework of business and partnership programs, etc.
As part of cooperation with a payment aggregator, a business owner in the global network has the opportunity to accept funds from his clients. There are several ways to do this:

money transfers through bank accounts;
electronic money transactions;
cash transactions;
financial transactions through all types of bank cards.
In general, the PayBox service eliminates all the restrictions that can be used in a modern money transfer system. Moreover, the system allows you to forget about the existence of geographical boundaries when transferring money. The client can use any alternative method of making a transaction, as well as choose the appropriate currency.

Currently, the PayBox service has established close partnerships with many companies operating on the Internet, as well as banks, credit institutions, and providers.

Tariff aspects of the PayBox payment service

Withdrawals from the cash account are accompanied by a fixed rate of 0%. Moreover, the withdrawal is carried out free of charge, regardless of the selected withdrawal method and currency of the monetary unit. Account replenishment is accompanied by a commission set by the counterparty. On average, the user will need to pay a commission of 3% -8%. The highest rate is charged by Western Union - 10% of the amount of funds and an additional 100 rubles.

All financial transactions have a regulation that provides for the processing of payments during the working day. An exception to PayBox online is electronic payment systems, the funds of which are not received instantly.

It also takes one business day for funds to enter the account upon withdrawal. If transactions are carried out after 14:00 Moscow time, they are automatically transferred to the next day. The operating day is considered to be from 10:00 to 14:00 hours (Moscow time).

In some cases, the PayBox service cannot guarantee the deadlines set by the system, since the work of counterparties affects the financial transaction.

Withdrawal terms

Bank payment:

transfer of funds from a counterparty - 3 days;
terms for crediting funds - 1 day;
withdrawal time - 1 day.
Electronic payment systems:

from the counterparty - instantly;
enrollment - 1 day;
withdrawal - on the same day.
Postal orders across Russia:

from the counterparty - 5 days;
enrollment - 2 days;
withdrawal - 3 days.
Postal orders in the CIS:

from a counterparty - up to 30 days;
enrollment - 2 days;
withdrawal - 3 days.
Postal orders in the CIS:

from a counterparty - up to 30 days;
enrollment - 2 days;
withdrawal - 3 days.
Western Union transfers and other accelerated payment services:

from the counterparty - the next day;
enrollment - 1 day;
withdrawal - 2 days.

Offers for the e-commerce industry

PayBox online offers many solutions, and its obvious advantage is the ability to eliminate all the difficulties associated with using different currencies around the world. Service consumers will be able to use dozens of payment methods for goods. The system will allow all payment transactions to be carried out automatically, while generating account registers and providing the client with additional benefits.

The procedure for creating an account in the PayBox system is traditional. After passing this stage, the client receives for use virtual accounts in dozens of currencies, ranging from dollars to tenge. The system is constantly evolving and expanding the horizons of its activities. Therefore, the list of virtual currencies is constantly being supplemented with new monetary units of different countries.

Each national currency provides for the use of different methods of receiving money from consumers. So, for the Russian ruble, the following methods of replenishment are provided:

money transfer from a bank account;
transfer with cash deposit (payments are possible in any commercial bank of the Russian Federation);
transfer with cash in different branches, terminal networks, ATMs;
transactions using cards of various banks (via the global network);
transactions from PS accounts (electronic money);
telegraphic money transfers;
transfer of funds by cash on delivery;
sweat transfers;
transactions through transfers operating in an accelerated mode (Western Union, Unistream).

The main advantages of the service

Convenience of payments nowadays plays a very important role. Moreover, if the funds arrive on time and you do not have to worry about their safety. These tasks are easily handled by the PayBox system, providing affordable rates and prompt service to clients of all levels.

For clients
When making money transfers between different countries, funds are received by the recipient in the same currency that was sent. Clients can convert money and apply a withdrawal method that is relevant and prompt. The sender can limit the withdrawal of the amount by the recipient and assign a certain frequency of withdrawal. Also available is the option of automatic conversion of funds after they are received on the recipients account.

For business
The modern PayBox online service is the most attractive for trading companies. With its help, you can improve business turnover and significantly expand its geography. The electronic service allows online stores to sell various goods and services:

information products;
BY;
machinery, equipment, clothing, etc .;
documentation;
multimedia products;
others.
The system is fully automated, easy to set up and the highest level of security. If we are talking about the sale of digital, information and other types of products, then after making a payment in favor of a store or service provider, the consumer will receive his goods without third-party intervention. The reliability and security of payment at all levels will be ensured by a special module that is responsible for creating a new account in the registries. After receipt of funds, the buyer will automatically receive an access password for downloading informational (digital) goods.

The PayBox online offer is relevant for e-commerce representatives who are engaged in exchange or sale. With the help of various modules, the client will be able to choose the optimal technical support that will match the sites capabilities. You can also customize for various requirements with the ability to pay commission by the consumer or the owner of the portal.

Commercial cooperation within the framework of partnerships

PayBox became the first payment system in the Russian Federation to implement an automatic affiliate program. All operations are controlled by the system, which makes settlements and pays rewards to partners.

Every user can become a partner of PayBox online. All sites are accepted for registration in the system, and there are no strict requirements for them. The user can create two forms of mutual cooperation, providing for different ways of reward. In the first case, it is proposed to receive remuneration for interest, in the second - for fixed money transfers. Affiliate programs are formed free of charge.

Each client who uses the services of the affiliate program receives a link to be posted on his own portal. The link can be presented in text format or as an advertising banner. An additional advantage for the user is the free registration of the site in one of the sections of the PayBox service. Accounting is carried out automatically and does not have a limitation period, the partner identifier is recorded in the personal account. Therefore, the terms of partnership are beneficial for both parties.

PayBox payment system cannot be considered as a traditional service for replenishing a mobile phone account or paying for the Internet. The service is a powerful gateway that provides money transfers in many countries of the world and in different currency units. Thanks to the use of the PayBox payment service, all parties to financial transactions will reach a new, better level of relations.

The Unikarta payment system was created to simplify online settlements in the global network, as well as to carry out money transfers between users. Unikarta is a payment card that can be used to carry out a number of transactions in favor of service providers. The following types of services are also available for the clients of the system:

communication payment;
the Internet;
satellite and cable television;
entertainment;
games;
other services.

The Unikarta system was launched in 2011. The owner of the payment service is the Latvian company Baltic Financial Systems. The company has its divisions in the capitals of the Russian Federation and Ukraine. Users of the electronic payment system have the opportunity not only to ensure payment for goods or services in favor of sellers, but also to perform exchange operations on their resources, to accept funds. In addition, the systems customers have access to a service providing for the issuance of prepaid cards under their own trademark.

Clients can manage the universal card using stationary computers, as well as mobile gadgets. In the latter case, you need to download and install the appropriate plugin from the official portal of "Unikart". Several payment cards can be connected to one mailbox.

Getting the card

Ready-made cards can be bought at the communication offices of the payment company or partners. Previously, the user must register on the official portal, select the appropriate currency and link the card to a phone number and mailbox.

To replenish your account, you can use payment terminals, online stores or electronic exchange offices. There are several ways to withdraw funds. So, the client can exchange funds for any electronic currency, transfer money to a debit (credit) card or bank account.

The payment system offers its clients a flexible tariff policy. Thus, the card is issued to the user free of charge. No commission is charged for making money transfers, paying for services, goods, online purchases. When exchanging currencies on different cards, the commission is 1%. Within the framework of cooperation and partnership, the Unikarta payment system offers the development of a network to which all interested parties are involved.

With the help of the Unikarta payment system, owners of shops, exchange services, and various service providers can turn international traffic into cash. The system works in more than 40 countries and offers modern payment methods in the most convenient and efficient way. Among the advantages of the service are the following:

free card issue and its integration into the international payment system;
no hidden fees and monthly fees;
minimum fees for transactions;
funds are received instantly;
the maximum level of protection of personal information and transactions;
ease of integration into the system (detailed descriptions, instructions, support from company representatives).

By using the service, a business can count on an increase in the number of sales. At the same time, the Unikarta system does not work with entrepreneurs and companies that operate in the following areas:

distribution of pornographic materials;
sale of medicines;
sale of tobacco products;
sale of firearms;
sale of prohibited and unlicensed content.

How the payment gateway works

The functionality of the gateway when paying for goods or services by the buyer is phased in nature.

Stage 1. The client chooses a certain product on the site and decides to buy it. After agreeing to the pricing policy, he goes directly to payment, which provides for filling out the payment form of the established sample.

Stage 2. The client indicates information about his payment card in the account of the electronic service "Unikarta".

Stage 3. In the event that the information is correct and the amount of funds allows the payment to be made in favor of the seller, the Unikarta system offers to confirm the transaction.

Stage 4. After confirming the information, the Unikarta processing center sends payment information via secure channels to the server of the trading company. Also, in parallel with the execution of this operation, the system automatically informs all interested parties about the effectiveness of the financial transaction. The data is sent using SMS notifications, email or other alternative methods that are configured by the owner of the online store.

Stage 5. After processing the information, which takes no more than 1-2 seconds, the client is automatically redirected to the portal of the online store, where he is provided with information about the successful completion of the transaction.

Stage 6. The procedure for payment for goods or services is completed.

Stage 7. In the event that the financial transaction was unsuccessful, the client is redirected to the stores website page, where he receives a corresponding notification.

Unikarta business offerings: physical and digital goods

Payment system "Unikarta" offers convenient solutions for representatives of commercial structures, regardless of the sale of physical goods or software. To integrate into the payment system when selling a physical product, it is enough to follow a few simple steps to embed the script on the website of the online store. The buyer will be provided with only two forms about the action taken: confirming the fact of payment and indicating the failure of the operation. After confirming the fact of payment, the store owner sends the goods to the buyer.

When it comes to digital goods, they are completely processed automatically. In this case, full implementation of software is required and the interaction of the online store with the processing center of the Unikarta system is required.

Full system integration

The buyer selects a specific product on the website of the online store and agrees to the terms of purchase (confirms the action). After that, the client provides contact information. If we are talking about a physical product, then the main data are surname, address, mobile phone number. In the event that an online store sells a digital product, scratch cards, software products, certain files or services, then the user must receive the product instantly (after making a payment). Therefore, a prerequisite for the Unikarta system is the receipt of a customers e-mail box for product delivery.

The system automatically creates a new script that matches the specified sales specifics. An order number is generated, which includes all the necessary information (cost of goods, product name, description, payment time, etc.).

After that, the client is redirected to the Unikarta website, where he chooses a convenient payment method. Information about a successful payment is displayed on the website of the online store and sent to the buyers mail. The script of the "Unikarta" service checks the information about the successful completion of the transaction. If we are talking about an informational product, then the client receives a notification with a password that opens access to a specific section of the site. In fact, the goods are automatically dispensed. Thanks to this, the store owner can spend a minimum of time on financial issues and promote his goods.

Representatives of online stores need to understand that information between the trading facility and the Unikarta processing center is transmitted without intermediaries. However, there are a number of reasons that can affect the performance of a financial transaction. We are talking about failures in communication channels between servers, high load of software and others. For this reason, the transfer of goods should be carried out only after the completion of the script on the successful completion of the transaction.

Making settings for the online store

To fully integrate the trading object into the Unikarta system, you need to configure the card in the users personal account. After that, the user needs to install several key HTML codes that perform the following functions:

transaction request;
a request confirming the completion of the transaction;
information about the completed financial transaction;
information about a leisurely payment.
All data is transferred directly between the servers of the processing center of the service "Unikarta" and the website of the system user. The information is generated directly on the payment service server.

The system of transactions used by Unikarta EPS has a high level of security. All data is transmitted via secure communication channels that comply with international standards. The system uses secret keys that form the data signature and accompany all financial transactions.

Online payment service PayCash offers customers instant money transfers that are secure and confidential.

The service began its work in 1998. The owner is the limited liability company Alkor Paykesh (St. Petersburg).

PayCash - cash in the form of digital money

All transactions in the system can be carried out privately. Despite this, all translations are provable. The digital cash technology, which is the transfer and storage of funds in the form of digital cash, was developed by the Dutchman D. Chaum about 40 years ago. The technology provides for the fulfillment of obligations to the bearer in the form of funds, which are confirmed by digital certificates. When electronic money is presented to the issuer, it is secured in cash.

Before the launch of the project, the PayCash payment system was modified by Russian programmers. Currently, the work of the payment service is the basis for building the business of other payment systems. For example, the largest American service MonetaExpress is based on PayCash technology. The basis for building the Yandex.Money PS was also the PayCash service. In total, on the basis of the system, more than 15 payment systems operate in different countries of the world and about 10 projects are under development.

Technological developments of Russian specialists were noted at international presentations. Experts in the economic cryptography industry also noted the highest level of protection of the technology, as well as payment services based on it.

The payment system works in different countries. For example, in the Russian Federation - Yandex.Money, Ukraine - Internet.Money, the United States - Cyphermint PayCash. The system is also presented in a number of CIS countries.

The number of active users of the service in the Russian Federation is about a quarter of a million people. The service serves several thousand online stores. PayCash operates as an NPO based on the registration certificate of the Central Bank of the Russian Federation. The service distributes prepaid cards designed to replenish an account in the system. The number of branches throughout the Russian Federation exceeds 2.5 thousand.

In the process of financial transactions, three participants are traditionally involved: the bank, the payment system, and the user. EPS users can be individuals and legal companies. In order to receive money, the client should not have a special status. Financial transactions are carried out using software developed by the companys specialists.

System security

The data protection options that the PayCash payment system implements in its products has unique mechanisms. The following options are used to make secure payments:

EDS;
"Blind" EDS;
use of a protection code (cryptographic protection algorithm);
use of public keys 1024 bit;
use of symmetric security keys 160
Multi-currency and various ways of withdrawing funds significantly expand the capabilities of both private users of the system and representatives of business structures.

Benefits of PayCash payment service:

implementation of instant transactions;
the ability to enter international payment markets;
wide range of interfaces;
confidentiality of data;
reliability and security of transactions;
the possibility of obtaining electronic puffiness;
a huge selection of currencies;
transactions in the Person to Person format;
minimum commissions;
the possibility of obtaining a loan from other users of the system (granting a loan).
Using PayCash online, users have the opportunity to maintain partnerships with the service, as well as create and develop their own payment services.

Sequence of work with PS PayCash

After creating an account (registration), the user becomes the owner of the electronic wallet. You can deposit funds to your account in various ways, ranging from prepaid cards to a money transfer from another member of the system. The service provides for replenishment of the wallet using ATMs, credit, debit, virtual cards, terminal networks.

In order to be able to pay online for purchases or services of providers of various services, the user needs to create payment books on his own device. After that, the user can pay electronically for services and purchases, and each transaction is authorized by the bank. The peculiarity of each payment in the PayCash system is that the financial institution is not able to determine which books are used for the transaction, as well as their owner.

The initial stage of financial relations involves the sellers request to receive funds from the buyer. In this case, the contract for the monetary transaction has already been signed by the seller. The party interested in the purchase then provides information about the transaction. At the third stage, the store representative must go through authorization at the financial institution, which, after successfully passing it, sends two receipts to both parties. All stages of the operation are carried out instantly in automatic mode.

Therefore, the PayCash payment system is not a traditional way of making money transfers, but a completely confidential service. The system user has the opportunity to spend his funds regardless of the banks requirements. Even if the financial institution is guided by a court order, the user can withdraw his funds to any bank and withdraw them from the account independently or through an authorized representative.

All information that is sent through the communication channels of the payment service is encrypted with symmetric and public keys. Receiving data or intercepting it is almost impossible. The system also provides a number of measures aimed at protecting the electronic wallet and payment books directly on the users device.

Working with the system

The work begins with the installation of a software package that PayCash online offers to customers. The software is distributed free of charge.

Installation is performed in standard mode, after which you need to configure the parameters of the electronic account. The system offers to use various tariff packages. After setting up the account, the client must specify personal data, which must be reliable. The use of the service is possible only after depositing funds to the system account. After depositing funds to the PayCash online account, the user should create payment books to which funds are transferred from the electronic account. Electronic money is used by the user in full confidentiality. However, to ensure complete privacy, it is recommended to periodically use new books.

After completing these operations, the funds can be used for various purposes. The system allows you to pay for services and goods with a minimum cost. After each transaction, the owner receives a notification about the balance of funds in his wallet (book).

The service provider can only accept payment within the framework of agreements that the potential customer submits. An additional option is the ability to set the time during which the electronic wallet will carry out transactions under the established agreements. Thanks to this, the seller can view obsolete orders that have not been paid in the registers. Thus, the merchant can send such receipts to the financial institution to verify payment. In case of successful authorization, the bank transfers money to the seller from the buyers electronic wallet. In the PayCash system, a fee of 1% of the money transfer is charged for such a service.

On average, the PayCash system tariff scale provides a commission of 2% -3% from each transaction.

The service allows you to pay for purchases of goods in more than 2000 stores connected to the system. The services of providers are also paid for:

mobile connection;
satellite, cable TV;
the Internet;
Housing and communal services.
Regardless of the use of an electronic wallet by a consumer of services or a business representative, the PayCash service is a unique tool that is protected by a client program. A wide range of opportunities within the service allows you to store funds, transfer them to other clients, withdraw from the system to bank cards, and also spend on purchases or services.

It should be noted that the PayCash payment system was the first in the domestic electronic payments market to receive large investments from Western companies. The service was also the first to start operating in the US market, providing cross-border online payments.

PayCash is currently a reliable and secure service for individuals and legal companies. Leading financial institutions and major domestic and international organizations act as partners of the company.

High-tech service IntellectMoney has been operating in the electronic payments market since 2009. The payment platform offers users in real time to use a wide range of services that are focused on making payments, as well as providing discount programs.

The largest domestic financial institutions, service providers and service companies, which offer various discounts to the customers of the system, maintain partnership relations with the Intellect Money payment service.

The owner of the EPS is Intellect Money Limited Liability Company (Moscow).

The main vector of IntellectMoneys activities is aimed at making payments in the global network and providing customers with discounts received from partner companies. The principle of providing discounts operates in the “cashback” format. That is, the funds received from IntellectMoney partner companies are credited to the user on the account. The funds (Intellect money) accumulated through the discount can be used by the client in one of 3 ways:

withdraw to a bank account;
transfer to another user;
spend on purchases of goods and services.
The currency used by the system is Russian rubles.
EPS owns its own terminal network. Users can use various ways to replenish their account, withdraw money. All transactions take place without hidden fees, which speaks in favor of the electronic system. Business representatives (legal entities), as well as private users, can create an account in the system. The list of services provided by the IntellectMoney service includes various types of discount cards.

System capabilities

A user who has registered in the payment system can use the following options in his office:

deposit funds to an account issued by the other party;
take out money to your bank card;
transfer money to another user of the system;
make transfers between cards.
To pay an invoice issued by a store, operator or any provider, you need to go to the "List of invoices" tab, which indicates the number, amount and payment details. After confirmation of payment, the IntellectMoney service transfers money without charging a commission. Paying using an electronic payment service allows you to minimize the risk associated with online shopping. When paying, all information about the clients bank card is not available for the online store, in the good faith of which no one can be sure.

Withdraw funds

To withdraw money, the system offers to use two methods:

transfer funds to an account (bank);
transfer funds to the accounts of any bank card (linked to the system).
In both cases, the system commission is 20 rubles and 3.5% of the transaction amount. The withdrawal time is 5 days.

Sending money

To send money to any user of the service, select the tab of the same name. Restrictions on transfers:

per day - 60 thousand rubles;
within 30 days - 200 thousand rubles.

Payment security and user privacy

Today IntellectMoney service is one of the best companies in terms of information security. Data protection is a multi-level system that is designed to minimize any risks associated with conducting monetary transactions and maintaining user privacy.

To protect the companys servers, premises are used that are guarded around the clock. In addition, there is a round-the-clock video surveillance by the security service. The database has hardware and software protection against the actions of intruders. Information that is transmitted over closed data channels is encrypted using a certified SSL 3.0 / TLS 1.0 system. The security service provides round-the-clock monitoring of payment transactions, preventing any interference from the Internet that carries potential threats to the implementation of transactions.

In addition, Intellect money, as well as personal information of clients is protected due to the following advantages:

using a two-level password system. When entering the system, a password is entered to confirm the users identity. When making a transaction, a payment password is applied;
restricting access to your account. The client can close access to log into the account from certain IP addresses.
Tariffs in the system

IntellectMoney does not charge users any commission. The exception is the withdrawal of funds to a bank card or account. To replenish your account, you can use:

all types of bank cards;
terminal network;
electronic payment systems;
post offices;
using internet banking;
Bank transaction.
Representatives of online stores pay a commission depending on the turnover of funds. With a cash turnover of more than 80 million rubles, the tariff is selected individually.

With a turnover of 60 million rubles, the IntellectMoney service provides the following tariffs:

payment by bank cards - 2.4%;
by other means - 2.7%.
... From 30 million rubles:

bank cards - 2.5%;
by other means - 2.8%.
From 10 million rubles:

bank cards - 2.6%;
by other means - 3%.
From 5 million rubles:

bank cards - 2.7%;
by other means - 3.2%.
From 1.5 million rubles:

bank cards - 2.8%;
by other means - 3.3%.
From 750 thousand rubles:

bank cards - 3.1%;
by other means - 3.4%.
"Starting":

bank cards - 3.5%;
by other means - 3.5%.
In addition, interest rates differ in each tariff plan depending on the type of service. The IntellectMoney system offers minimum tariffs for housing services. The system does not charge a subscription fee. In all tariff plans, the commission for housing and communal services is from 1.2% to 1.5%.

To connect to the system, owners of online stores should create an account on the official portal of the IntellectMoney service, after which the employees will check all the information and send a corresponding notification by e-mail. If the trading object meets all the requirements of the payment system, additional information about the connection is sent to the email box. The connection process is technically a simple procedure that takes several hours.

IntellectMoney discount programs

By using the payment service provided that they pay for purchases and services from companies that are IntellectMoney partners, customers receive discounts. Discounts are provided in the form of funds that remain in the clients account and can be used in various ways. The payment service issues one-time discount cards to attract customers. Also, within the framework of the program, standard and extended cards are issued, allowing you to receive significant discounts.

IntellectMoney currently offers standard cards that can be used to get discounts at more than 700 companies and stores. One of the options for participating in the program is to use a virtual card that can be printed on a printer and sent to the store to receive a discount.

As of 2016, the company is developing a "Golden Card", which will allow the user to get advanced features. By receiving money on Intellect account, the client will be able to use the card not only to receive discounts, but also to use it to pay for transport services

The IntellectMoney EPS discount program is focused not only on consumers of services, but also on strengthening the brand of companies. By working together with a universal payment service, business representatives can count on the following benefits:

increasing the number of interested consumers;
sales growth;
an increase in the number of consumers returning to the companys website to use the funds received as part of the discount;
providing partners with statistical information. This includes the interests of buyers, interest in the product and portraits of potential customers;
additional brand advertising. Store or company data will be presented on maps, IntellectMoney official website, forums.

IntellectMoney for iPhone

You can use all the advantages of an electronic service with a mobile application designed specifically for people who value time. You can create an account in the IntellectMoney payment and discount system directly from your mobile device, which offers the following advantages:

payment for various services;
execution of transactions;
activation of banking products;
the ability to use Intellect money for purchases;
the opportunity to receive up-to-date information about discounts 24 a day;
save transaction and purchase data in the users personal account.
The mobile app is available on the AppStore.

Robokassa is an electronic payment system focused on servicing a payment acceptance business. The system began operating in 2002 under the name ROBOXchange. The service works with almost all systems of popular electronic currencies that can be exchanged in real time. In addition, the payment system allows you to pay for various types of services in favor of providers, utilities, transport companies.

Business representatives, the "Robokassa" system allows you to accept payments from customers in various types of electronic currencies. For this can be used:

self-service terminals;
modern money transfer systems;
SMS payments.
As of January 2106, Robokassa served over 50 thousand government and commercial organizations.

The new financial center was established in 2011, when TM Robokassa entered into an agreement with the closed joint stock company Ocean Bank. The main direction of the financial platform is providing online stores.

Payment service differences

In the market of modern payment systems, the "Robokassa" service differs in that it is focused on entrepreneurs. There are many convenient ways to calculate:

electronic money;
self-service ATMs;
mobile applications;
debit and credit cards;
Internet banking.
Information security is guaranteed by a certificate that meets international requirements. The company uses modern PCI DSS data protection technologies.

System operation

The payment service acts as an intermediary between the buyer and the business representative. The commission is charged only to the service provider. Legal entities and private users can use the service. At the same time, payment in Robokassa takes place in the traditional way: the client selects a suitable option from the list of payment systems, indicates the amount and, after filling in all the fields, confirms his actions.

The system offers a number of options for paying for goods and services, in particular:

by credit card. This payment method is currently the most common in the world. Payment is allowed from post-Soviet countries, as well as from a number of non-CIS countries. All transactions are encrypted over closed channels;
mobile devices. The method of payment for services using "mobile commerce" has replaced outdated payments using SMS notifications. This method is convenient because mobile devices are always at hand. Among the advantages of payment using mobile devices, it is worth highlighting the prompt receipt of funds, the minimum commission and the ability to carry out transactions 24 hours a day;
Internet Banking is a convenient and efficient payment method provided by the Robokassa system to customers. To use this method, there is no need to create accounts: just go to the global network and transfer funds from a bank card;
self-service terminals. To deposit funds, the user must be registered in the Robokassa system. Account replenishment can be performed from any kiosks that are partners of the payment service;
mobile apps for iPhone. Modern solutions allow you to use applications for transferring money, which are pre-installed on a mobile device. The translation can be carried out at any time, regardless of the users location.

Store connection

Every business owner, namely an online store, is faced with the need to connect payment acceptance modules. To resolve this issue, you can use a payment aggregator, which allows you to work with one service. Thus, customers will be able to use the most comfortable payment methods for goods.

The modern Robokassa system offers service connection free of charge. Also, business owners are exempted from monthly fees. The payment aggregator can be connected for individuals and legal entities. When using payment cards of popular PS Yandex.Money, WM and some, payment in Robokassa is free of charge. Business commissions range from 1.5% to 5%. The determining factor in determining the commission rate is the companys turnover. Also, the commission fee is affected by the type of goods that the store sells, as well as currencies.

As of 2016, the Robokassa system offers a number of tariffs for legal entities.

Tariff plan "Shock". Connection is possible with a companys turnover of 50 million rubles. Payment using various payment systems, commission:

Bank card - 1.7%;
Yandex.Money - 7%;
Kiwi - 4%;
Svyaznoy, Euroset - 4%;
Internet banking - 4%;
WM - 3%;
MegaFon, MTS, Beeline - 5%;
Other PS - 3%.
VIP tariff plan. Connection is possible with a companys turnover of 10 million rubles.

Bank card - 2.3%;
Yandex.Money - 7%;
Kiwi - 4.5%;
Svyaznoy, Euroset - 4.5%;
Internet banking - 4.5%;
WM - 3.5%;
MegaFon, MTS, Beeline - 5%;
Other PS - 3.5%.

Tariff plan "Start". Connection to the "Robokassa" system is possible with a companys turnover of 300 thousand rubles.

Bank card - 3.9%;
Yandex.Money - 7%;
Kiwi - 5.9%;
Svyaznoy, Euroset - 4.9%;
Internet banking - 4.9%;
WM - 4.9%;
MegaFon, MTS, Beeline - 5%;
Other PSs - 4.9%.
Tariff plan "First". Connection is possible regardless of the companys turnover.

Bank card - 5%;
Yandex.Money - 7%;
Kiwi - 6%;
Svyaznoy, Euroset - 5%;
Internet banking - 5%;
WM - 5%;
MegaFon, MTS, Beeline - 5%;
Other PSs - 5%.
Also, the Robokassa system offers "Basic" and "Real" tariffs, and for companies engaged in charity and religious activities, the "Dobrokassa" tariff.

System connection

You do not need to use software to interact with the processing center of the payment service: pairing is carried out using a special script that is installed on the stores website. Integration can be done independently or you can use the help of the companys specialists. A test server is also available to users of the "Robokassa" service. All technical information is presented on the official portal of the payment service. After making a decision, the client needs to send an application to the company for connection.

When connecting a store to a payment system, you should pay attention to the following requirements:

the online store must function, be filled with an appropriate offer for customers;
single page sites are not allowed for law firms;
the store must be public (do not require registration from customers);
the site must be located on a paid hosting;
the offer for customers must comply with the law (sites with prohibited content are not allowed);
the site must carry public data about the company (provide clients with full legal information, which includes the name of the company, contacts, location of the head office);
the goods the store offers must be described. Also a prerequisite is the availability of the price of the goods;
all pages with services, goods must be on a single domain.

How to withdraw funds?

Funds are credited to the account of the online store, which is indicated during registration. The withdrawal is carried out without commissions.

EPS Robokassa offers ready-made modules for connecting to the system: HostCMS, WebSite X5, 1C-Bitrix and many others.

IPhone App

One of the most relevant payment methods is Robokassa payment for services and goods via mobile devices. The companys specialists present their own development that allows you to perform transactions from the phone.

Today, the telephone has become an indispensable companion for every person, and given the development of 4G networks, with a mobile device in his pocket, a person can feel all the advantages of a stationary computer. To install the application, you must select it from the iTunes catalog.

To use the service, you must create an account: you must indicate your email and phone number. After linking a debit, credit or virtual card to the account, which takes no more than a few minutes, the user can use the entire functionality of "Robocass".

IPhone Transactions

Payment for services and goods is made after a certain product or service has been selected. To confirm the action, you must select the method of depositing funds "Via iPhone" and go through verification by specifying the phone number. After that, you should log into your Robokassa account and find a suitable bank card through which the payment will be made.

After installing the application for mobile devices, customers can use the payment services of various providers, ranging from utilities and ending with games. On the companys website, you can familiarize yourself with the entire list of goods and services that are available for payment.