Payment system RBK Money appeared after changing the name of Rupay as a result of its purchase by the media holding RBC Information Systems” in 2008. The credit institution LLC NPO EPS becomes the new owner in 2012. It operates throughout Russia. The year 2016 is declared the year of the reboot, a global rebranding. During the existence of RBK Money, there were negative feedback, and fraud facts, and now the team is going to improve the position of the payment platform.
Registration on the RBK Money platform
Opening an electronic account is easy. To do this, you need to follow the link rbkmoney.com/ru/koshelek-rbk-money. Be sure to fill in the fields marked with an asterisk.
Do not allow the password of the RBK Money service to match passwords from other payment platforms.
After filling in the required data, go to the account security settings page. Specify the payment password, the answer to the secret question and enter the captcha. An email with instructions for activation will be sent to the specified e-mail. The platform is available to legal entities and individuals. Registration in the RBK Money service is free. 
To enter the system, as well as view the balance and other data on the account, you must enter the login password. When making payment transactions in RBK Money, transferring and exchanging Money, the system will require you to enter the so-called RBK Money payment password. This is for added security.
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Wallet types
After registration, the standard RBK Money account becomes active, of course, which has certain limitations. Improve electronic account RBC Money to the extended one is possible by confirming the personal data of the owner.
Owners of improved wallets have the following benefits:
- monthly limit of 300,000 rubles;
- commission for transfers 0.3%;
- withdrawal of monetary assets in the amount of up to 300,000 rubles;
- exchange for electronic money 100,000 rubles. per month.
You can confirm your personal data by submitting a completed application prescribed form(certified by a notary and sent by mail). You can also come with a passport to the Contact transfer point and send 50 r. to your account.
Replenishment of the account in RBK Money
You can deposit money into your wallet in the following ways: 
- using Internet banking;
- putting money in the payment terminal;
- Bank transaction;
- in Euroset stores;
- money transfer;
Replenishment via Internet banking is instant, and no commission is charged. When paying or replenishing through Eleksnet, DeltaPay, Comepay, Rapida terminals, select the required provider and insert banknotes. The commission is 0%, crediting to the RBK Money account is instant. Crediting to the account by bank payment is made up to 3-5 working days, while a commission is charged according to the bank's tariffs.
No more than 200,000 rubles, available only to residents of the Russian Federation. At any “CONTACT” point on the territory of Russia, no commission is charged when crediting to RBK Money. Using electronic Webmoney, Mobile Wallet, Yandex Money and others, you can replenish the RBK Money wallet. Commission is charged.
Exchange RBK Money
Naturally, the RBK Money platform is integrated with various payment systems. In particular, the exchange is carried out for Webmoney and Yandex Money. On the website banks.webmoney.ru, you can organize the exchange of Webmoney for RBK Money. To do this, you will need to issue a formal Webmoney passport and an extended one in RBK Money. After that, you need to specify an account in RBK Money in the "Link account / card" menu. After merging, we make an exchange.
Exchanges are also actively used, for example, BestExchangers.ru. For more information about the exchange, see the following video:
Security, fraud protection
RBK Money positions itself as a multi-level secure system. Previously, there was a program called "100% Guarantee". According to this program, you are fully insured against theft of your money, and if this happens, which is unlikely, the resource will fully compensate for your damage. 
In case of problems with fraudulent activities, you need to write to technical support, which works around the clock. Having described the problem to the security service, RBK Money will protect you from fraudulent schemes. However, in practice, cases of debiting money from electronic accounts are often mentioned, and there are problems with withdrawing money.
Security is provided by two separate passwords, and control by IP address can also be entered. Payment procedures in RBK Money are applied using SSL cryptography with a 128 bit key. In addition to the above measures, there is protection against chargebacks (refunds) and fraud (for example, theft of card data on the Internet). At least that's what they tell us on the website.
Summing up
In conclusion, we note that the electronic payment system RBK Money has certain advantages, namely: replenishment without commission, instant payment, more than 250 thousand points for crediting funds throughout the Russian Federation, good integration with online stores, work with 120 different currencies. However, you can also find negative reviews about RBK Money. These are rather high tariffs, difficulties in work for residents of the CIS, lack of special programs to promote the service. In 2016, the service is pursuing a policy of global changes, from design to the platform itself. This is for added security.
One of the modern payment services that allows you to transfer funds, both using bank cards and online payments on the Internet is RBK Money. Today we will talk about the features of this service, tell you how RBK Money is paid, who can use its services and how to deposit / withdraw funds.
About RBK Money
This company was founded in Russia on October 7, 2002 with the name Rupay. Since 2008, this payment service has been part of the RBK holding, while the name has changed to RBK Money. This settlement platform cooperates with more than 40,000 online stores, for goods and services in which rbk payments can be made money payment service. It also supports the transfer of funds using international bank cards of payment systems VISA, MasterCard and Mir.
Widely branched (more than 250 thousand points), covering almost the entire territory of the Russian Federation, the network that carries out operations for depositing or withdrawing funds covers more than 6.2 million customers, which makes RBK Money a very attractive and convenient partner.
Business Services
As noted above, the services of RBK Money are very popular when making payments in online stores. The list of payment methods is quite extensive:
- bank cards;
- electronic wallets;
- bank payments;
- Money transfers"
- payment terminals;
- communication salons;
- Internet banking.
With the development of means of communication, in particular the Internet, the possibilities for the implementation of various kinds of commercial projects have dramatically expanded. Now the buyers of a trading enterprise can be not only residents of nearby streets or quarters, but almost any person who has a smartphone and a computer with a connection to world wide web.
Given the development of various kinds of postal and delivery services, it becomes possible to sell goods or services almost all over the world. But for the successful implementation of such projects, a convenient payment system is required, both for the buyer and the seller. Considering the developed network of services in the Russian Federation serving the financial transactions of RBK Money, you can open an online store without any problems.
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For a product or service on the store's website, payment through the rbk money service can be made even without the client having an electronic wallet, for this the client needs to know only his order number. The service of connecting the RBK Money service to the online store is free, takes only two working days, does not include any hidden commissions and payments. There are three tariff plans for an online store or online service:
- Basic (3.9% of the turnover is charged on account of payment for services).
- Individual (2.5% of turnover is charged as payment for services).
- Do Good (2.5% of the turnover is charged to pay for services).
On the company's website, you can download customized modules for CMS Worpress, Drupal, Bitrix, Joomla for free. Many other companies that provide similar online payment services sell similar modules. Thus, novice entrepreneurs who, as a rule, have limited financial resources from cooperation with the RBK Money payment service will receive support and benefits at the stage of formation of their business project.
Services for individuals
From individuals, as well as from legal entities, no fee is charged for registration in the RBK Money payment service. Registration takes place on the company's website, and takes no more than a few minutes. Upon completion of registration, each client receives an Internet wallet.
This wallet can be of two types - “Unidentified” and “Identified”. The differences are in different functionality, availability of operations and the amount of funds that can be operated.
Passing the identification procedure
The procedure itself is not difficult. It can be completed by mail, or by using the CONTACT transfer system. In order to pass identification in the first way, you need by registered mail send to the address of the company RBK Money "Application Form" with the signature of the client certified by a notary.
In order for the account holder to be identified using the CONTACT system, you need to come with a civil passport to its nearest branch, notify the cashier of your intention to pay for identification in the payment service of the RBK Money company. Then, having presented your passport, you will need to name the service code (identification of the client of the RBK Money company) “RBKY” and the number of your wallet in the RBK Money payment service. The payment amount will be 200 rubles, while 50 rubles will be transferred to your wallet.
As a rule, during the day the submitted information is sent to the security service of the RBK Money company for consideration. Information received from clients enters the queue, after its consideration and a positive (as a rule) response, the status of the client's account will be changed to “Identified”. After some time, the user's personal account will also change the status to “Identified”.
Raising the client status level from “Standard” to “Identified” provides a number of advantages, both in expanding functionality and in reducing the commission on transactions with funds. Thus, the commission for transferring funds to other participants in the system is reduced from 0.5 to 0.3 percent. The size of the limits of funds that the client can operate is increasing, and it becomes possible to withdraw funds from the RBK Money system.
Withdrawal of funds and security of the service
There are several ways to withdraw money from the payment system:
- Transfer of funds to RBK Money MasterCard (processing time 3 - 5 banking days).
- Transfer of funds to the “Yandex Money” wallet (instantly).
- By postal transfer (processing time 2 - 3 banking days).
- Purchase of Ukash voucher (instantly and without commission).
- Through the CONTACT system (processing time 1 banking day).
- Transfer to other payment systems WebMoney, Qiwi, MoneyMail, EasyPay and others (payment processing time depends on the specific system).
- Transfer to an individual's bank account (payment processing time is 3 - 5 banking days, it should also be noted that withdrawal is possible only to your own account).
The security system developed by the company's specialists allows providing it to customers reliable protection from the actions of hackers and all sorts of scammers. Protection is carried out both with the help of passwords and with the help of settings for the properties of entering the client's cabinet, when you can set a specific address from which it will be possible to connect to the service.
In addition to the already well-known payment systems Webmoney and Yandex Money, there is another fairly large player in the CIS countries - RBK Money, which has come close to its more experienced competitors, taking an honorable third place in the popularity rating. Let's see what this system liked so much for Russian-speaking users.
Benefits of RBK Money
- Convenient and ergonomic interface, which has a clear structure even for beginners. With its help, you can not only carry out the necessary currency operation in 2-3 clicks, but also get access to statistics, as well as many others. useful features. Unlike some other payment systems, RBK Money does not force users to install a client application - everything you need is already in the browser.
- A huge number of ways to replenish. Bank payments, payment by card, postal transfers, through a specialized terminal, by SMS with mobile phone etc.
- Versatility. With the help of RBK Money, you can pay for purchases on the Internet, utilities, traffic police fines, make transfers to accounts in other payment systems. Owners of online stores will certainly like the service of automatic payment acceptance.
- Low fees for internal transactions - 0.5% for standard wallets and 0.3% for extended ones. To receive advanced features, you must verify your personal information by sending a copy of your passport.
- Advanced means of protecting personal data and funds stored on the account. All transactions are carried out using a secure SSL protocol, which excludes third-party interference and theft.
- Additional services, such as your own Visa plastic card (can only be used in Russia) and a mobile application that supports all the necessary functionality that is present in the standard interface.
- High speed and quality of work technical support– within a few minutes, a competent specialist in an online chat will answer your questions. It is also possible to contact a consultant by phone.
- Program “100% Guarantee”. Even if you become a victim of scammers, RBK Money will fully reimburse your losses: you just need to submit an application to the support service, which will be considered within 30 days, after which, if a positive decision is made, the money will be credited back to your account.
- Discounts when paying for goods in partner stores and payment system-friendly companies, and quite significant - 5, 10 and even 30%. If at this time partners hold other promotions, each discount is considered separately.
- Opportunity to earn on affiliate program. You will be able to receive 0.5% of the amount that the referral replenished (the person who registered on your affiliate link). Payment is credited to the account instantly, regardless of how the transfer was made.
With all the simplicity and profitability of using RBK Money, it also has negative sides and, unfortunately, there are not much less of them than positive qualities.
Disadvantages of RBK Money
- As a unit of account, the RBK Money system uses only one currency - the Russian ruble, which makes the use of this payment by persons living outside the territory of the Russian Federation practically impractical.
- A significant limitation of the functionality for users who have not submitted their passport data for verification: the transfer amount cannot exceed 15 thousand rubles, automatic payment acceptance is not available, there is no possibility of exchanging with other EPS.
- A fairly high commission is charged for deposit/withdrawal operations in some ways (from 3 to 5%), although in most cases RBK Money does not require any deductions.
- Often there are problems with the passage of payments and the overall stability of the system.
- Unidentified (without confirmation of passport data) wallets are not only subject to higher commissions, but are also at risk of blocking, which can only be removed by providing the administration with a number of notarized papers.
Summarize
RBK Money has shown itself to be a modern, simple and convenient platform, which, although it has many shortcomings, has remarkable potential for further development. Of course, it is unlikely that it will ever become an international project, but its popularity is guaranteed in Russia - more than four million customers are proof of this.
The administration's paranoia and its excessive suspicion towards customers should also be attributed to the shortcomings. In the process of creating a wallet and paying for one service through a Visa card, I had to go through two verification procedures (a photo of the card and verification of the transaction) and only after that I was allowed to credit the money to the account. Already at this stage, I regretted that I decided to work with RBK, and when, after replenishment, the wallet was blocked, my patience snapped.
Campaign everything, there is no more payment system. Measured with the loss of 12,000 rubles for personal account and a bit more from the broker.
I first ordered the withdrawal of profit, the amount is not large, it’s a shame to call it, but the withdrawal was blocked for me and the money hung, the broker says there was a technical failure in the payment system - I run there, but there’s nothing, I’m not entering the login and password correctly. Password recovery does not help, the letter does not come to the mail, I can’t restore it through the phone, in general it’s a shame that such offices appear, and it’s even more offensive when they disappear with your money.
If someone tells me a way to withdraw the money that remains on the wallet, I will be grateful.
Please do not write advisers on contacting support, there are about thirty of my letters and messages already.mistress
I watch the battles with payments and partner companies and understand that I can’t get my money back, there are so many claims against the company.
mistress
I wanted to read normal reviews and test, but after the reviews, the desire was gone. This eps is not used to pay for any services, it positions itself as a service for working with a mastercard and a visa. By the way, it is convenient to use Sberbank online to work with a visa and master cards, I recommend it!
Freelancers use many electronic payment systems, and everyone chooses the most convenient for themselves. As practice shows, such giants as WebMoney and Yandex.Money are most trusted.
But there are no less interesting players in the financial market, albeit not as popular and not so widespread. the site decided to tell you today about another payment system - RBK Money.
About company
This is a Russian payment system designed for online payments, i.e. purchases in online stores, payment of bills and other electronic transactions.
The history of the system began in 2002 - then it was called. At that time, the system worked on the territory of Ukraine and Russia, and it was created by a group of Russian and Ukrainian developers.
In 2008, RuPay entered the RBK holding and changed its name to RBK Money.
This is a platform that allows you to make money transfers different ways, including with the help of Visa and MasterCard cards, mobile transfers. You can withdraw money to a card or pay in stores, pay utility bills, top up your phone.
The payment system cooperates with more than 40,000 online stores and serves about 6.2 million users.
System features
RBK Money payments are accepted at 250,000 outlets throughout the Russian Federation.
All payments in this electronic system irrevocable. This is done in order to protect against fraudsters who can withdraw the payment after receiving the goods.
Almost all payments in the system are made without commission. You will only pay 2.95% for instant withdrawal(in normal mode money is credited to the card within a day).
The system offers cooperation to both online and offline stores. Entrepreneurs have the opportunity to accept payments on the Internet, including using credit cards. The commission is taken only for processing the payment and is 3.9%.
Provided payment tracking system. Each operation is assigned a unique number, by which you can check the status of the payment through the service. Also, you immediately receive a report-notification of the payment.
The RBK Money system provides all the necessary documents for accounting, which facilitates cooperation with it for legal entities.
Each registered user of the system can open RBK Money debit card for free. The currency of such a card is Russian rubles. With its help, you can pay for purchases, withdraw cash, and also receive interest on the account balance.
Electronic wallets
Each user of the RBK Money system has the opportunity to create an electronic wallet. There are two types of wallets: unidentified and identified.
To start a wallet, you just need to register in the system. An unidentified wallet is created automatically. This wallet only allows you to pay for purchases in online stores, and the maximum amount of replenishment and transfers cannot exceed 15,000 rubles per day.
If this is not enough for you, you need to go through the identification procedure. To do this, you can send an application and a copy of the passport certified by a notary by registered mail. The second option is identification through the CONTACT system.
As a result, you will receive a wallet from which, in addition to paying in online stores, you can pay for purchases through systems cellular communication, system money transfers or payment terminals, addressed to a foreign organization, a Russian non-profit organization; the maximum amount of replenishment and transfers increases to 100,000 rubles per day. If an unidentified wallet does not allow you to withdraw funds, then with an identified one you can withdraw up to 100,000 rubles.
Payment methods and wallet replenishment
The RBK Money system provides an opportunity to pay for purchases and replenish the account in the network in several ways:
You can pay your bill or replenish your wallet with a bank by Visa card or MasterCard, and activated or not activated. The maximum number of payments per day is 6.
Through the money transfer system "CONTACT" (no commission);
Through Euroset communication salons;
In any branch of Russian banks, by bank transfer. The commission is charged according to the bank's tariffs;
With the help of Internet banking systems of the largest banks of the Russian Federation;
Through payment terminals, no commission.
RBK Money is a Russian payment system that is gaining popularity. Entrepreneurs who have both online and offline stores should pay attention to it, as the system offers flexible and convenient conditions for cooperation and integration.
The RBK Money payment system is a good assistant for managing finances in Runet, interesting for both business and personal use. It is convenient for an entrepreneur to receive transfers from partners, to accept payment for goods or services. Individuals - make purchases in online and offline stores, pay utility bills, top up mobile.
EPS has been officially registered since 2008. In fact, it has existed since 2002, being previously known under the RUpay brand. For all its versatility and functionality, the program has a simple interface. It is quite capable of competing with such whales as WebMoney or Yandex Money.
Tariffs and commissions
RBC Money is attractive due to the absence of commissions for many transactions. Individuals can use the following services free of charge:
- Transfer (within one PS) money to the card.
- Pay in online stores cooperating with PS.
- Receive statements, track payment history.
- Design and use "plastic".
- Download smartphone version.
Note: If no payments were made by card for more than 60 days, the commission is charged. It is 300 rubles per month (tax is not taken).
In fact, for individuals, the tariff exists only for an urgent transfer of money to another card or bank account. It is 2.95% of the transferred amount. You can transfer funds from the card to another bank free of charge within 5 business days. Authenticated users can use this feature.
For entrepreneurs, only transfers in their favor sent by individuals(3.9% from each enrollment). All other functions can be performed without commission and subscription fee:
- Connect your Internet resource and configure it to receive payments.
- Receive reports of cash receipts electronically.
- Cancel the transaction and return the money to the payer.
- Withdraw money to a bank card.
The site provides several tariff plans for business (“Do good”, “Travel”, “RBK Card”, “ZhKU”). They differ from the main option in the interest rate that is charged on receiving money from individuals or paying utility bills (the “HCS” tariff). There is also an individual plan, the terms of which are negotiated with each entrepreneur separately.
Download all fees and limits for 2017 at PDF format(44.0 KB).
Registration process
There is no need to pay to start an RBK Money wallet. The process is free and simple. To get started, register on the site. It's no more difficult than starting a new one. email box. In this case, only the full name and date of birth are requested (useful for password recovery). Login is Email.
Advice: It is better to enter reliable data right away. This will simplify the process of restoring access to the account and will not become an obstacle if you need a professional account.
There are two levels of registration in RBC Money: standard and extended. The second opens the way to new possibilities:
- rubles are exchanged for other electronic currencies (limit - 100,000 rubles per month);
- the daily replenishment limit is increased (up to 3000);
- the monthly withdrawal limit is increased (up to 300,000 rubles).
For comparison: a standard wallet allows you to operate per month with an amount not exceeding 100,000 rubles, and replenished by 1000 per day.
An extended wallet will require passport details. Scanned copies of the document are uploaded to personal account, are checked by a moderator and, after approval, a professional account is available.
Step one
step two
System Security
Passport identification is good because it enhances security. There are reviews in Runet about the allegedly weak protection in RBC Money. The user has nothing to fear, the process of transferring and crediting funds is accompanied by multi-level protection.
For example, withdrawing money from an electronic wallet to a bank account is possible only if the full name of the account owner and the recipient match. When making any transaction, a separate password is created for a specific transaction. Without knowledge of the code combination, the fraudster will not be able to appropriate someone else's.
The programmers took care of SSL encryption with a key length of 128 bits for all settlement operations. According to experts, this is the last word in cybersecurity and, undoubtedly, one of the most effective measures today.
The client can take advantage of additional security measures:
- Enable in the settings the function of tracking the IP address from which operations are performed or an account is opened.
- Connect SMS-informing and confirmation of financial movement via mobile phone.
- Choose a secret question-answer to confirm initialization in case the password is lost. The answer should be easy, but carefully thought out, unpredictable for fraudulent social engineering.
- Connect the "payment password" option and come up with a combination that is different from the one that is entered when logging into your account. Such double protection will allow you to make transactions with the least likelihood of hacking or intercepting money.
go to Personal Area may with mobile application(the program is free to download from the official site). Before the session, a PIN code is entered. This prevents accidental access to the application by third parties.
findings
The RBK Money payment system can be trusted, despite the relatively short period of existence, the program has managed to prove its advantages: access from anywhere in the world, multi-level account protection, simple registration.
As for the ways to replenish the wallet and withdraw funds, there is almost the whole range options: through other EPS, to a bank account, by postal order, etc.
