Payment by bank card
Payment is provided without commission. Payments are made by transferring funds from bank cards , if it is possible to make online payments provided by your bank that issued the bank card. You can find out if it is possible to make online payments using a bank card by contacting the bank. The payment service is carried out in accordance with the rules of International payment systems based on the principles of confidentiality and security of payment, for which the most modern methods of verification, encryption and data transmission over closed communication channels are used. When working with card data, the information security standard developed by the international payment systems Visa and MasterCard - Payment Card Industry Data Security Standard (PCI DSS) is used, which ensures safe processing of the Holder's Bank Card details. The data transfer technology used guarantees security for transactions with Bank Cards by using TLS (Transport Layer Security), Verified by Visa, Secure Code, MIR Accept and closed banking networks with the highest degree of protection.
In case of a refund, the funds will be returned to the same card used for making the payment.
Bank card details are entered on the secure payment page of the partner bank providing the service. Payment processing (including entering the card number) takes place on a secure page of the processing system that has passed international certification. This means that your confidential data (card details, registration data, etc.) is not received by the company, their processing is fully protected and no one, including our company, can receive personal and bank data of the client. The company's partner bank is MTS Bank PJSC.
Bank card details are entered on the secure payment page of the partner bank providing the service. Our partner bank is MTS Bank PJSC.
Cases of refusal to make a payment:
- the bank card is not intended for making payments via the Internet, as you can find out by checking with your bank.
- bank card details entered incorrectly
For correct input, you must carefully and accurately follow the sequence of numbers and letters and enter the data as shown on your map:
- cardholder (usually indicated on the front side of the bank card in English in capital letters. For example, IVAN IVANOV).
- card number (usually indicated on the front side of the bank card and consists of 16 digits. For example: 0123 4567 8901 2345)
- card validity period (usually indicated on the front side of the bank card – the month and year until which the card is valid. Enter the card validity period in numbers. For example, 12 – entered in the month field, and 13-entered in the year field), which means the card is valid until December 2013); CVV2 and CVC2 card code (usually indicated on the back of the bank card and consists of 3 digits. For example, 123)
- your bank card has expired. The validity period of the card is usually indicated on the front side of the card (this is the month and year until which the card is valid). You can find out more about the validity period of the card by contacting the bank that issued the bank card.
- there are not enough funds to pay with your bank card. You can find out more about the availability of funds on your bank card by contacting the bank that issued the bank card.
- the daily transaction limit is exceeded. The amount of the daily limit for all users is determined by the partner bank.
Payment using the Fast Payment System (SBP).
SBP is a project aimed at optimizing payment operations and introducing more favorable conditions for individuals and businesses.
Individuals do not need to enter any payment details to transfer SBP — the subscriber's phone number is sufficient. If you make a purchase, you must scan the seller's QR code. Everything is so simple and reliable — the money is guaranteed to be credited to the recipient's account. When making transfers, it doesn't matter which payment system the customer's cards belong to, since only accounts are involved in transactions. Transfers can be made if there are no cards at all.
How to use the Fast Payment System to transfer money to another person's account
If the Fast payment System is already enabled in a mobile bank and a priority current account is specified, you can transfer funds to other people without entering the card details. Instructions for transfers via the SBP:
- Select the transfer function via the Fast Payment System in the bank's app installed on your smartphone.
- Enter the phone number of the person you want to transfer funds to.
- If a list of several banks appears on the screen, select the appropriate one.
- Specify the transfer amount.
- Check all the specified data and confirm the transaction.
The funds sent will be instantly credited to the recipient's current account. Please note that in case of an erroneous transfer, you will not be able to return funds without the consent of the person who received the money, so you need to carefully check everything.
How to transfer money to a bank card via SBP
Transfers via the Fast Payment System are made from one account to another, so you don't need to enter your bank card details. Moreover, funds can be transferred even if the person does not have a bank card. The main thing is that a bank account is opened and the recipient is connected to the SBP. If these conditions are met, just enter the subscriber's phone number and amount for the transfer.
How to use the Fast Payment System to transfer money to another account
Using the SBP, you can transfer up to 30,000,000 rubles a month between your accounts without commission. How to proceed:
- Log in to the app of your financial institution installed on your smartphone, or use your personal account on the bank's web resource
- Select the transfers option and specify your phone number where you want to send your finances.
- Enter the amount and confirm the transfer.
If you want to transfer a large amount, check with your bank how much money can be sent in one payment, in one day.
How to use SBP to pay using NFC tags
NFC-SBP plate-a carrier in which the NFC chip and QR code are encrypted. How to pay using it:
- To pay using an NFC chip, just hold your smartphone up to the sign. As soon as the purchase information appears on the screen, you will need to confirm the operation.
- If the SBPay app is installed on your smartphone, a push notification will appear on the screen asking you to go to the app and confirm the transaction.
The phone with NFC function automatically counts the chip, and the amount is entered by the seller at the checkout. All you need to do is check the payment details and make the transaction. After the transaction is approved, the money will be immediately debited from the account and sent to the seller.
If the payment is made using a QR code on the sign, you need to scan the code with your phone's camera and select payment via SBP in your bank's app. If you have the SBPay app, go to it and select the QR code payment option, then scan the image and confirm the operation.
How to use SBP for payment using QR codes
You can now use a QR code to pay in many stores. Retail outlets offer static (permanent) QR codes containing payment information, or generate dynamic codes indicating the amount for each purchase.
How to pay using a static QR code:
- If you have the SBPay app installed on your phone, go to it and select the appropriate option.
- The camera opens and you need to use it to scan the code.
- Once the code is read, specify the purchase amount and confirm the transaction.
- If you don't have a separate app, you can scan the QR code with your camera and select payment via the Quick Payment System in the bank's mobile app.
The payment algorithm based on a dynamic QR code will be similar, but you don't need to enter the amount manually, since it has already been generated and embedded in the graphic image.
Instructions for paying for SBP using the button
Many online stores provide for the possibility of paying using the Fast Payment System. The sites have a payment button with the service's logo. To pay for a purchase, click on this button. You will see a list of available banks, from which you need to select your own. Then you need to go to the app of a financial institution, check the store name and purchase amount, and then confirm the operation.
