RBK Money is a powerful tool for an online store. RBK Money: saying goodbye to payment fees Instant transaction processing
How to connect
My site is under development and is not available public access, can I activate payment now?
Certainly! To start cooperation, fill out the online form and provide the statutory documents. Our security staff will review your site if you provide login details. Upon successful verification and after signing the contract, you will be able to open the site immediately accepting payments through the RBK.money system.
I have just opened a legal entity, can I start working with RBK.money?
Yes. We have no restrictions on the period of existence of a legal entity.
What needs to be done in order to start accepting payments through RBK.money?
To get started, go through online registration(link to the form), download the necessary statutory documents and sign the agreement (possibly online using an electronic signature). Choose a convenient integration method and set up your account (refund schedule, notifications, etc.). After checking your site and documents, you can start accepting payments.
Are there any restrictions and conditions for starting to work with RBK.money?
I am not a resident of the Russian Federation, can I connect payment on the website?
Yes, we work with non-residents of the Russian Federation. With partners all over the world, we can offer you the most favorable conditions depending on your location. Submit your application and our staff will contact you.
I don't have a technician, how can I integrate?
We have a wide selection of payment plugins for various CMS. Full list here. If your CMS module is not on the list, please write to us and we will try to quickly develop it.
Working with the service
What cards and currencies can I accept?
We accept cards from leading payment systems VISA, MasterCard, Visa Electron, MIR, JCB, American Express, Diners Club. Thus, you will be able to accept cards issued by any bank in any country for payment. The debit from the card can be in rubles, euros, dollars.
Does your service meet the requirements of Federal Law 54?
Yes, passing on additional parameter- composition of the check - our platform contacts partners (online cash register providers) and fiscalizes the payment. To comply with the law, you must have an agreement with the OFD and the cash register provider. If you do not have an online cash register, we will help you connect by providing instructions and contacts of our partners so that you can connect an online cash register in one day.
I have my own cash register that meets the requirements of Federal Law 54. Can I just accept bank cards for payment?
Yes, you can take over the service for fiscalization of payments entirely; we will accept payments and transfer only information about payments to your system.
What payment options do you have?
Payment by bank cards, cash payment via Euroset, QIWI wallet.
Our system provides the ability to generate payment links that you can send to email to the client. You can also send a payment link using instant messengers and messages on social networks.
How can I make a refund to my client?
All refunds (full and partial) can be made in your personal account or using API requests, depending on the method of integration with RBK.money.
What should I do if I receive a request to contest a payment?
When a claim is received, it is required to confirm the fact of provision of service/delivery of goods to the payer. In the case of physical delivery of goods, a scanned copy of the receipt is sufficient. In the case of the provision of services, the following is required:
- user agreement/ offer, which reveals the very concept of the service and when it is considered provided;
- confirmation that the user has been familiar with these rules (for example, screenshots showing that it is impossible to register without checking the appropriate box);
- screenshots from your personal account, where you can see the fact that funds have been credited to the user, access to paid resources, and movements on his account.
How to add new way(method) of payment into your payment form?
By default, all options will be available on your payment form. possible ways payments, with the exception of those that require separate contractual relations with the provider, such as QIWI wallet. You can always control the availability of certain payment methods using the payment form configuration. More details:
How to set up regular payments? What payment methods are they available for?
Instructions for connecting regular payments (recurring) can be found in our documentation -. Such payments can only be activated for bank cards.
What notifications will I receive from RBK.money?
What integration methods are available?
We support the most different ways integrations. Starting from ready-made modules for CMS and serverless integrations, ending with a full connection of your website with the platform and deep customization of the payment form. We will be happy to answer any questions you may have by email.
Safety
How secure is the RBK.money payment service?
All settlement operations on the RBK.money platform are performed using SSL encryption (key length - 128 bits - the maximum allowed by Russian legislation). Resistance to communication failures is ensured at the system level. The system database does not have direct access to the Internet, and the servers are under 24-hour physical security and video surveillance. Every year we undergo an audit for compliance with the PCI DSS standard (a standard developed by international payment systems for making payments by bank cards). Detailed Description Read about security and anti-fraud technologies in the Security section.
How safe is it to enter bank card details into RBK.money payment forms? Is this information available to anyone other than me and the processing center?
The RBK.money payment service complies with the PCI DSS data security standard, which means that bank card data is reliably protected. The PCI DSS standard is designed to ensure the security of processing, storing and transmitting data about payment card holders in the information systems of companies working with international payment systems Visa, MasterCard and others. The transfer of your bank card details takes place over a secure connection using the modern SSL 3.0 protocol. Data transmitted via SSL 3.0 is automatically encrypted so that only the intended recipient can decrypt it. Thus, even if an attacker intercepts the transmitted data, he still will not be able to use it. In addition, the use of the SSL 3.0 protocol allows you to be sure that you are on the page of a real payment system website, and not on the website of an attacker posing as a payment system in order to take over your payment card details.
How can I be sure that you will not share my personal information with anyone?
All personal information is collected and stored in accordance with the requirements of Federal Law No. 152-FZ “On Personal Data” dated July 27, 2006. No personal information is transferred to third parties.
How can I protect my website from scammers?
RBK.money has a modern multi-stage fraud monitoring system based on 15 years of payment analysis. Thus, fraudulent transactions will be blocked, and “good” payments will go through.
I forgot my password. What should I do?
You can recover your password at any time. To change your login password, you need to click on the “Forgot your password?” link, which is located under the login and password entry fields. Next, you will be asked to enter your login (email). Within a few minutes, the system will send you an email with a link, following which you will be taken to the page for setting a new password.
I want to change my login password. What needs to be done for this?
To change your password, log in personal account on the system website and go to the “Settings” section. Next, click on the “Change login password” button. Enter your current password, then enter twice New Password and click on the “Change” button.
RBK.money is an international payment platform providing services for online companies and individuals in more than 60 countries. The RBK.money payment service is a platform for making payments in various ways, including: Internet acquiring, mobile and online payments, contactless payments Apple Pay, Google Pay and Samsung Pay, VISA and Mastercard bank cards, escrow, trade acquiring, auto payments, splitting and others - in total, more than 10 payment methods are available to the company’s clients.
Since its founding in 2002, RBK.money has grown from an internet startup to a leading payment provider with a presence in many countries. The company has created a number of innovative products: the first electronic wallet in Russia (2002), the world's first financial marketplace (2007), the first virtual payment card in Russia (2013). The brand received its new name, RBK.money, in 2008, after being acquired by the RBC holding.
The RBK.money brand unites companies that provide payment acceptance services for online businesses and individuals. The partnership between the NPO Electronic Payment Service (licensed by the Central Bank of the Russian Federation) and Direct Payment Limited (licensed by FCA UK) allows us to work with clients all over the world. The operator for transferring funds in the RBK Money system is the NPO “EPS” (person No. 3509-K, issued by the Bank of Russia on February 11, 2013).
Currently, RBK.money cooperates with more than 30,000 clients and serves over 8 million users in 60 countries.
Led by Denis and Kirill Burlakov since 2015, the company has developed an innovative IT structure, a new technology platform and modernized its business.
More information about the company on the official website: rbk.money
SystemRBK Money- a universal tool for individuals, which is a payment platform that operates online and allows payments to be made online. The platform’s capabilities will allow you to accept payments from bank cards, mobile phones, EPS or using online banking.
Payment RBK Money carried out in a short time and with a guarantee of personal data protection. This is possible thanks to the implementation of advanced technologies and the developers’ focus on creating a convenient and effective tool for entrepreneurs. The RBC Money system works with 40 thousand retail outlets on the network, and its user base numbers more than six million people.
History of development of RBK Money
The RBC Money service first appeared on the Russian Internet in 2002. The original name of the system was Rupay, but after six years of operation (in 2008), the company became part of the RBC holding. Accordingly, the name also changed. In 2012, RBK Money changed ownership again. Now this function is assigned to the credit structure of NPO EPS LLC.
RBC Money is mistakenly perceived as a banking system. This is wrong. The service does not provide standard banking services, but works with many financial institutions. Field of activity is the territory of the Russian Federation. Payment to RBK Money can only be made by a resident of the Russian Federation. Transactions are made using conventional units.
The functionality that the RBC Money system provides to users directly depends on the amount of information transmitted. Based on this, there are two types of wallets:
- Electronic wallet RBK Money.
- Advanced option.
In the second case, the user receives a number of additional options - a larger limit on replenishing a wallet, a function for returning unspent money, access to a virtual currency exchange service, and others.
Mass payments to RBC Money, how to activate the service, tariffs
One of the service options is making mass payments. This is a payment solution that allows you to make payments to multiple recipients simultaneously. Payment to RBK Money is made according to the following algorithm:
- Download technical documentation, its study and subsequent integration via API.
- The ability to make payments to electronic wallets and bank cards, as well as create payments reports.
How to connect to RBK Money? There are a few steps to take here.:
- Submit an application and wait for approval.
- Draw up an additional agreement.
- Set up the system.
Useful functions of RBK Money
The RBC Money system allows you to solve the following problems:
- Conduct financial transactions online or offline.
- Pay housing and communal services, top up your phone account, transfer funds to your cable operator.
- Keep statistics on payments without having to remember details.
Also RBK system Money provides a number of additional options. Among them:
- Auto payment- a function that allows you to program the debiting of money from a bank card to make payment for goods. With this option, you can forget about the need to make timely payments (the system does this work). A special feature of the option is that there is no payment for using the service. The principle is simple. After completing the first transaction, the buyer accepts the terms of the offer and agrees to write off the funds. In this case, the write-off conditions are set independently. As soon as the RBK Money tool makes a debit, confirmation of the transaction is received.
Payment system RBK Money appeared after the name of Rupay was changed as a result of its purchase by the media holding RBC Information Systems” in 2008, the credit organization LLC NKO “EPS” became the new owner in 2012. It operates throughout Russia. The year 2016 has been declared the year of reboot, global rebranding. During the existence of RBK Money, there were both negative reviews and cases of fraud, and now the team is going to improve the position of the payment platform.
Registration on the RBK Money platform
Creating an electronic account is easy. To do this, you need to follow the link rbkmoney.com/ru/koshelek-rbk-money. Be sure to fill out the fields marked with an asterisk.
Do not allow the RBK Money service password to coincide with passwords from other payment platforms.
After filling out the required data, go to the account security settings page. We indicate the payment password, the answer to the secret question and enter the captcha. A letter with activation instructions will be sent to the specified e-mail. The platform is available to legal entities and individuals. Registration in the RBK Money service is free. 
To log into the system, as well as view your balance and other account data, you must enter your login password. When making payment transactions in RBK Money, transferring and exchanging funds, the system will require you to enter the so-called RBK Money payment password. This is for added security.
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Types of wallets
After registration, a standard RBK Money account becomes active, naturally, which has certain restrictions. You can upgrade your RBC Money electronic account to an extended one by confirming the owner’s personal data.
Owners of improved wallets have the following benefits:
- monthly limit RUB 300,000;
- commission for transfers 0.3%;
- withdrawal of monetary assets in the amount of up to 300,000 rubles;
- exchange for electronic money 100,000 rub. per month.
You can confirm your personal data by providing a completed application in the prescribed form (certified by a notary and sent by mail). You can also come to the Contact transfer acceptance point with your passport and send 50 rubles. at your own expense.
Top up your account in RBK Money
You can deposit money into your wallet in the following ways: 
- using Internet banking;
- by placing money in a payment terminal;
- bank transfer;
- in Euroset stores;
- money transfer;
Replenishment through Internet banking occurs instantly, and no commission is charged. When paying or topping up through Eleksnet, DeltaPay, Comepay, Rapida terminals, select the required provider and insert banknotes. The commission is 0%, credited to your RBK Money account instantly. Crediting to the account by bank transfer takes up to 3-5 business days, and 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 in Russia, no commission is charged when transferring to RBK Money. Using electronic Webmoney, Mobile wallet, Yandex Money and others, you can top up your RBK Money wallet. Commission is charged.
Exchange RBK Money
Naturally, the RBK Money platform is integrated with various payment systems. In particular, 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 certificate and an extended one in RBK Money. After this, you need to specify your RBK Money account in the “Link account / card” menu. After the merger we make an exchange.
Exchange exchanges are also actively used, for example, BestExchangers.ru. More details about the exchange can be seen in 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 must write to technical support, which operates around the clock. By describing the problem to the security service, RBK Money will protect you from fraudulent schemes. However, in practice, there are frequent mentions of cases of money being written off from electronic accounts, and problems with the withdrawal of funds are observed.
Security is ensured by two separate passwords, you can also enter control by IP address. Payment procedures at RBK Money are applied using SSL cryptography with a 128-bit key. In addition to the above measures, there is protection against chargebacks (chargebacks) and fraud (for example, theft of card data on the Internet). At least that's what they assure us on the website.
Let's sum it up
In conclusion, we note that the RBK Money electronic payment system has certain advantages, namely: commission-free replenishment, instant payment, more than 250 thousand points of depositing 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 quite high tariffs, difficulties in working for residents of the CIS, lack of special programs to popularize the service. In 2016, the service is pursuing a policy of global changes, starting from design to the platform itself. This is for added security.
Freelancers use many electronic payment systems, and everyone chooses the most convenient one for themselves. As practice shows, the most trusted are such giants as WebMoney and Yandex.Money.
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 the company
This is a Russian payment system designed for payments on the Internet, i.e. shopping in online stores, paying bills and other electronic transactions.
The history of the system began back in 2002 - then it bore the name. At that time, the system worked in Ukraine and Russia, and it was created by a group of Russian and Ukrainian developers.
In 2008, RuPay joined the RBK holding and changed its name to RBK Money.
This is a platform that allows you to make money transfers in various ways, including using Visa and MasterCard cards, mobile transfers. You can withdraw money to a card or pay in stores, pay public utilities, 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 thousand points throughout the Russian Federation.
All payments in this electronic system irrevocable. This is done to protect against fraudsters who can withdraw payment after receiving the goods.
Almost all payments in the system are made without commission. You will only pay 2.95% for instant withdrawals(in normal mode, money arrives on the card within 24 hours).
The system offers cooperation to both online stores and offline stores. Entrepreneurs have the opportunity to accept payments online, including using credit cards. The commission is charged only for processing the payment and is 3.9%.
Provided payment tracking system. Each transaction is assigned a unique number, by which you can check the status of the payment through the service. You will also immediately receive a notification report about the completion of the payment.
The RBK Money system provides all the necessary documents for accounting, which makes it easier for legal entities to cooperate with it.
Each registered user of the system can open an 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 your 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 create 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 by registered mail application and a copy of the passport certified by a notary. 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 will be able to pay for purchases through systems cellular communication, system money transfers or payment terminals, addressed to a foreign organization, Russian non-profit organization; the maximum amount for 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 wallet you can withdraw up to 100,000 rubles.
Payment methods and wallet replenishment
The RBK Money system provides the opportunity to pay for purchases and top up your account online in several ways:
You can pay your bill or top up your wallet by bank card Visa or MasterCard, activated or not activated. The maximum number of payments per day is 6.
Through the CONTACT money transfer system (no commission);
Through Euroset communication shops;
In any branch of Russian banks, by bank transfer. The commission is charged according to the bank's tariffs;
Using the Internet banking systems of the largest banks in the Russian Federation;
Through payment terminals, no commission.
RBK Money is a Russian payment system that is gaining popularity. Entrepreneurs with both online and offline stores should pay attention to it, since the system offers flexible and convenient conditions for cooperation and integration.
