In 2001, a new non-banking credit and financial organization Rapida appeared. The company has existed on the market for 13 years and during this time it has recreated its CONTACT payment system.
In the field of retail settlements between business entities, Rapida competes very successfully with similar payment systems, such as RBK Money, WebMoney, Wallet One, Yandex Money and others. Despite the fact that the company does not have sufficient recognition from individuals, legal entities use the Rapida payment system in full and very successfully.
Over the past few years, Rapida has been working on improving cashless payments, taking the process of operations to a new innovative level. The company acts as a direct partner (intermediary) of many commercial organizations, which allows you to carry out payment instructions of its customers in just a few seconds.
The partner companies of the Rapida payment system are household appliance stores, mobile phone stores, numerous information kiosks, payment terminals and ATMs located throughout Russia over 100,000 points.
Features of the Rapida payment system
The company "Rapida" is mutually beneficial cooperation with banks of the Russian Federation and foreign banks, carries out transfers from Russian Post. It’s enough for the owner of the wallet of this payment system to have a mobile phone or device with an Internet connection and the necessary service, goods will be paid in seconds via SMS-message or Rapida Online service. The list of proposed payments includes payments:
- cellular services and Internet providers;
- utilities;
- payment of loans and borrowings;
- purchase of electronic money of another payment system;
- payments to the budget;
- payment for goods of organizations that are partners of Rapida;
- transferring funds to another individual to a bank account or payment card;
- replenishment of the Rapida payment system wallet.
For all settlement operations in the Rapida payment system, an individual needs to receive a Rapida card. It can be purchased in two ways:
- One-time card. It can be purchased at partner banks, as well as at Russian Post points. The purchased card already has its own number, password and series. The face value of the card can be 300, 500, 1000, 3000 rubles. A significant drawback of this type of card is the presence of a commission for transferring funds to a wallet in the amount of 1 to 2% of the amount, as well as the transfer rate - on the next banking day.
- Reusable online Rapid card, which can be obtained by sending a request in free form to the email address [email protected] . A response letter containing a zip archive will be sent within 24 hours, in which the login (identification number) and a sequence of 25 passwords will be indicated. They are not afraid of such a number of passwords, as this is an innovative measure of security for settlement transactions.
One-time passwords are the first 24 in the list, which must be entered in order at each payment. Twenty-fifth can be used after the previous ones and becomes automatically reusable the first time it is entered.
Also, the system provides for a change in login at each entrance to the user's office. A new identification number is sent to the phone number or email address specified during registration. The user has the ability to disable the option to change the login in your account.
In addition to replenishing through a one-time payment card, money can be deposited into the Rapida wallet at a branch of any commercial Russian bank. In this case, the commission is set according to bank tariffs, and the term for crediting funds ranges from 1 to 5 banking days.
The fastest way to get money to the Rapida electronic wallet is to deposit it from another wallet. In this case, the subscriber of the payment system (another participant) must know the login or phone number of the person whose wallet he is replenishing. The commission for such a transfer will be 0.5% of the amount.
In the future, the introduction of Rapida replenishment from payment bank cards. After replenishing the wallet, you will need to contact the bank or ATM servicing the card to receive a check indicating the number, one-time code series and password to enter the system.
Withdraw funds
There are two ways to withdraw funds from a system participant:
- Withdrawal to the specified bank account. It is worth noting that in order to receive money it will be necessary to download a scan of an identity document. The verification procedure takes no more than a day.
- You can return the payment Rapida card to the point of its sale. In this case, the system will deduct a commission of 5% of the withdrawn amount.
Disadvantages of the Rapida payment system.
The system does not have significant shortcomings, however, there are some details that can complicate the work of the system for novice users.
- Due to the fact that Rapida is a limited liability company, there are some restrictions on customer service. But these restrictions do not have a direct negative effect on the user.
- A large number of passwords that can be easily confused. In this case, you will have to contact the support service and this correspondence may drag on for a long time.
- Rapida does not publish data on the number of registered users and statistics on transactions.
Despite its shortcomings, Rapida continues to collaborate extensively with the country's largest banks, including participating in commercial lending programs for organizations. This is the main essential sign of confidence in this payment system.
An experienced moneymaker should always have several tools for managing e-commerce.
It is better to register several accounts in various payment systems, so that later you do not encounter unnecessary problems. In this article we will analyze one of the most popular payment instruments called Rapida.
Is it worth it to register in Rapida?
An account in this payment system will definitely not be superfluous, because it opens up a lot of different possibilities.
Most webmasters decide to open a Rapida wallet just to. As already mentioned, the payment system processed checks, this is its main difference from analogues.
Payment does not just fall into many TOPs and is considered one of the best.
She has a number of advantages:
- more than 15 years of stable operation;
- the presence of a license of the Central Bank of the Russian Federation for the processing of banking operations;
- it is often used to receive payments on sites;
- reliable security;
- a huge list of ways to replenish the account;
- you can pay bills in excess of 15,000 rubles;
- responsive technical support.
Rapida's customers number in the thousands and this is not surprising. After opening an account in this payment system, you yourself will understand why it is so attractive. Take a few minutes and go through the usual registration.
Rapid Registration
Now registration on Rapida is as easy as possible. You do not have to fill out huge forms to enter your personal account.
It is enough to indicate only the phone number, name and surname. To proceed to registration, after going to the official website, click on "Electronic Wallet" and in the upper right corner you will see a link for registration:
A page opens where you enter information. Registration takes place in 3 simple steps - this is data entry, confirmation and completion.
Be careful when entering basic information, the phone must be checked, and in the future, verification of the account is required (to open all the possibilities of the payment system):
When you enter your personal account, click "My profile" and opposite the information about passport data, go to the check (I have already checked it, so the status is "Provided"):
There are several ways to identify, but here you can’t just send a scan of your passport (as for). You will have to use the money transfer system, visit the Russian post office or go to the Rapida company office.
For residents of the regions, it will be easier to do everything through the mail, but decide for yourself what is more convenient for you:
By the way, if you decide to create a template for the transfer of funds received from Adsense, it will not work until the authentication is completed. This is not a Rapida whim; in Russia, new laws have been introduced prohibiting transfers on the accounts of users who have not provided their passport data.
Why register with Rapida?
Over the past few years, the owners of the payment system have made great efforts to improve it. It should be noted the updated design and more thoughtful usability. From Rapid wallet, you can conduct various transactions.
Payment system "Rapida" was created by the same name non-bank credit organization, which has the necessary licenses from 2001 and 2004. Also, "Rapida" provides an opportunity for communication salons and terminal networks to accept payments to accounts in Russian banks. Using Rapida, you can replenish your account and pay for services using prepaid cards without registering an account.
This payment system is more focused on commercial organizations and enterprises, but, despite this, most of Rapida's services are available to private users. Including, through "Rapida" you can transfer and receive transfers, pay loans and utilities, as well as telephone communications ..
However, the payment system has several disadvantages:
Inconvenient navigation. To register in the system or enter your account you need to go to the payment site, a link to which is not on the official site.
Mandatory account verification. Starting March 12, 2008, Rapida introduced new rules, according to which the full use of the system is impossible without verifying the authenticity of the user's identity. For this, the Rapida Customer Service must be provided with: a special paper form and a general passport. Only after reconciling the provided data, you will be able to fully use the payment system.
To expedite this process, you can send a completed application form and a scanned copy of your passport by e-mail. But at the same time, a package of documents must also be sent by regular mail.
Registration in the Rapida system
The registration procedure in the Rapida system consists of several steps. To get started, you will need to indicate your current mobile phone number or work email, enter the code from the image and click "Next".
In the next step, you will be required to come up with a password to log into the system and repeat it. Here you must indicate your real name, surname, middle name, passport series and region of residence. If you have already made money transfers with a Rapida payment card without registration, you can enter the series, number and next password of the last prepaid card in the corresponding fields. Otherwise, that is, the first time you use the system, leave the specified fields blank.
To complete the registration process, you need to enter the activation code sent to the previously specified e-mail. This step is necessary to create your account. But to enter your wallet, you will have to enter another code - the so-called session key. It is sent to the email address specified during registration and is generated anew at each entry.
Deposit and withdrawal of funds
The main way to replenish your account at Rapid is to purchase a prepaid payment card. Their face value varies from 500 to 3000 rubles, and you can purchase them either at retail outlets in your city (the addresses of existing sites that distribute payment cards can be found on the official website of the system), or order by phone at home or in the office.
However, the system allows crediting funds in other ways:
- Cash or transfer using partner banks: Absolutbank, Alfa Bank, Bank of Moscow, Promsvyazbank, Citibank, and others. A full list of banks making payments to Rapida accounts can be found here.
- Through payment terminals.
- By postal order.
- With the help of Internet banking from the accounts of the Bank of Moscow, Prombusinessbank or Absolutbank.
Usually money is credited to your account quickly - from a few minutes to three hours. In some cases, delays of up to one day are possible.
Withdrawal of funds from the Rapida system is possible either in the form of a transfer to accounts with partner banks, or as payment for housing and communal services, telecommunications and other services.
Rapida does not accept payments from other payment systems.
The cost of services of the Rapida payment system depends on the nature of financial transactions and the method of their implementation. For example, repayment of loans in the Hyperkassa program will cost cardholders in Alt-Telecom and Svyaznoy communication salons 1% of the transaction amount, while in the Eldorado network of salons the commission from the transfer (requirement) will be from 2 to 2.5% (depending from the region). There is no commission for replenishing an account with the system.
Safety system. Like many online payment systems, the Rapida payment site uses a secure https connection. This is where the similarity of Rapida with other payment processors ends.
The most striking individuality of "Rapida" is manifested in the issues of passwords. Its coding system takes bizarre forms, causing a simple perplexity in the unprepared user.
So, in addition to the password set by the user during registration, the system requires a session key when entering. And it is he who is needed for any changes in the account during this session.
After replenishing the account with a card, the details for entering the payment site are changed to those that were indicated on this card. It is also important to know that it is almost impossible to regain access to an account in case of loss of the last prepaid card data.
at the course "Economics"
on the topic: "Rapid System"
1. The purpose of the Rapida system
The system began its work in 2001, initially focusing on cooperation with banks. At the first stage, the system was engaged in the issuance of bank prepaid cards, then it consistently developed remote payment services. Currently, the system exists as LLC NPO "Payment System" Rapida ", has the status of a non-bank credit organization that operates and provides payment services on the basis of a license and in accordance with Bank of Russia license No. 3371-K dated August 30, 2004 . LLC NPO "Payment system" Rapida "has its own processing center, equipped with modern equipment and special software. The system has gone beyond Moscow, many Rapida services are already available in all regions of Russia. To work in it, you must register on the operating site and transfer funds to the account in the system.
Through the services of the system, payment of a sufficiently large number of recipients is available, and not only and not so much on the Internet, but rather the emphasis is on traditional recipients of payments: MTS OJSC, Vympelcom OJSC, Megafon OJSC, etc. More than 500 companies cooperate with Rapida, including commercial television operators (NTV-Plus, Cosmos-TV, Divo-TV), telecommunications companies (Rostelecom, MGTS, Skylink, MTU-Intel, home network operators and Internet providers). The pearl of all recipients is a large list of enterprises in the housing and utilities sector (Moscow, St. Petersburg, Kazan) and many others. Also, instant transfers from account to account of a system participant are allowed in the system.
Of the features, it should be noted a significantly smaller number of input / output methods than WebMoney, Yandex. Money, RUpay. In fact, there are only two ways to deposit funds: buying a prepaid card and transferring via Russian Post. Since September 2004, a direct gateway between Rapida and WebMoney has been closed, but the first exchange services have now appeared that allow exchanges between third-party electronic money systems and the Rapida system. However, there are no coordinate systems for these services on the site, but Rapida's customer support will tell their addresses. Currently, the system seems to have relied on work with legal entities: banks and other companies, moving away from providing services directly to individuals. Of course, the operating site of the system continues to function and the user can register on it and open a virtual account. But finding information about this on the system’s website is practically impossible, and an untrained potential client will definitely not be able to become a client of this system. All this suggests that the system only continues to service existing customers of individuals, not trying to attract new ones. In the future, the system will continue to operate as a payment system, an analogue of VISA, MasterCard, Union Card. Rapida has already issued its local map. The services offered by Rapida Payment System LLC, LLC are divided into two areas: offers to banks and offers to businesses.
2. Anti-Queuing service
The main purpose of the AntiOrechin service is convenient payment of cellular communications and other regular payments (utilities, Internet, television, etc.) from a bank card account. The key advantage of Anti-Queuing in relation to alternative options is ease of use for the client. For example, to pay your own phone to a bank customer after connecting to the service, you just need to send an SMS message: the amount of payment in rubles to service number 1879. The service is provided to MTS, Beeline, MEGAFON, SMARTS, UTEL subscribers »(Uralsvyazinform) of all tariff plans without changing SIM-cards or installing software.
3. Rapida Bank Card
The Rapid payment system presents the bank a unique product for the retail business: a bank card with advanced functions of mobile and Internet banking and a network for depositing funds into the card account, which will allow the bank to quickly and costlessly issue bank cards of its own design for bank customers under own brand.
In addition to the traditional functions of the card (cash withdrawal at ATMs and cash registers, reception at trade and service enterprises), bank customers - card holders, can use the following services:
safe execution of the most popular payments and transfers, including payment for utilities and telecommunications services via the Internet and / or mobile phone;
replenishment of a bank card account through the Rapida payment system network (postal and banking branches, terminals - more than 40 thousand payment acceptance points in the Russian Federation);
remote control of the card operation mode, obtaining information about operations with the card.
For servicing card programs, the bank can use the services of the Rapida processing center.
4. Acceptance of payments and repayment of loans
By concluding an agreement with the Rapida payment system, the bank is able to organize the acceptance of payments for cellular communications, rents, electricity, landline and long-distance telephone, Internet, television, credit through cash desks, ATMs, mini-offices (terminals) and other (Internet, telephone) systems self-service banking.
The Rapida payment system, being a federal client of FSUE Russian Post, offers banks to use a mail network with more than 40,000 post offices to collect payments for loan repayments. At the same time, bank customers can take advantage of other capabilities of the Rapida payment system to repay a loan: a network of bank branches, a network of terminals, and remote payment services.
5. Bank card processing and payment transfers through
post offices
Rapida payment system offers the bank a full range of services for the issuance and maintenance of bank cards of international payment systems VISA and MasterCard. Sponsorship of existing and potential associate and affiliated participants of these international payment systems is provided by Vnesheconombank.
Rapida payment system offers the bank to use a network of post offices to pay money transfers. The transfer sent by the bank through Rapida is paid no later than 72 hours at any post office. The transfer can be sent for payment in the following modes: “on demand”, “with notification”, “with home delivery”.
Offers for business include the following areas.
Rapida payment system offers all legal entities that provide services to the population, mutually beneficial cooperation, within which customers will receive a convenient way to pay for services and goods of your company, based on modern electronic technologies.
The capabilities of the Rapida payment system will allow you to organize the acceptance of payments for services provided by the company through:
branches and additional offices of commercial banks participating in the system;
aTM networks and self-service terminals;
branches of FSUE Russian Post.
Connection to the Rapid payment system will not require significant time and money and will allow:
get a large additional payment acceptance network
get information about the payment in real time;
have a bank guarantee of receipt of funds in the current account on the day specified in the contract.
Clients of the company will get access to a payment service, which includes:
payment site;
SMS service (for MTS, Beeline, Megafon subscribers) - making payments by sending SMS messages to a short number of a mobile operator;
a network of payment system agents providing customers with the necessary payments.
When connected, the company indicates the necessary payment parameters to identify the payer (product / service code, personal account number, subscription agreement number, order number, etc.).
The Rapid payment system allows you to automate and simplify the collection of payments, as well as provide users with a quick and convenient payment mechanism for enterprise services.
6. Payment terminals of the Rapida system
Rapida payment system represents a solution for the retail business: self-service banking mini-offices. The mini-office is designed to accept payments to pay for the most popular services (mobile communications, rent, electricity, landline and long-distance telephone, Internet, television, credit, etc.) and is a stand-alone device that remotely connects to the Rapida processing center.
Mini-offices allow you to make payments in cash or by credit card, replenish accounts and repay loans. For this, all devices are equipped with:
card reader;
bill acceptor;
pin pad keyboard;
barcode scanner.
Rapida also offers a ready-made business solution - payment terminals for receiving cash and non-cash payments from individuals:
in repayment of bank loans;
for utilities, electricity, landline and intercity telephone;
for Internet access and pay TV services;
for cellular services and much more.
A payment terminal is a standalone device. Only a periodic change of paper in the printer and collection of money from the bill acceptor are necessary. Payment acceptance activities are not licensed; registration of a payment terminal with a tax authority is not required.
Two options for cooperation are proposed:
The client company acquires a ready-to-use payment terminal with installed software, enters into an agreement to accept payments and becomes a member of a profitable business.
The Rapida system first appeared in 2001 (in the month of September). She made the first bet on cooperation with financial and credit organizations. The Rapida Payment System Limited Liability Company has the official status of a non-bank credit institution and provides various payment services on the basis of License No. 3371-K dated 05/28/2001 for Banking Russia banking operations.
The Rapida payment system has its own processing center, which directly connects to the billing systems of various enterprises that are recipients of payments. This allows for a very short time to fulfill orders of their customers to pay for satellite television and to replenish the account in their phone with mobile operators. Since Rapida is a credit institution licensed by the Bank of Russia, all necessary settlements are carried out through the Bank of Russia network from a special correspondent account in Moscow, at Branch No. 1 of the Bank of Russia General Directorate.
Payment system "Rapida"all payments are carried out via the Internet or via mobile phone, via sms. And also, through a call from a regular, landline, telephone.
In general, Rapida is a round-the-clock service for paying daily expenses for landline and mobile phones, for long-distance calls and Internet access, for repaying loan obligations to RusFinance and Home Credit. Muscovites, residents of St. Petersburg and Kazan, through the Rapida payment system, can also pay utility bills. And for other users of other regions of the Russian Federation through Rapida, only cellular communication services can be scorched so far. Well, in general, at the moment, with the help of Rapida, you can pay for services and purchase goods from more than three hundred companies. Among them there are leading mobile communication operators such as Megafon, Beeline, MTS and SMARTS. Also, this number included commercial television operators (Cosmos-TV, Divo-TV and NTV-Plus) and telecommunications companies (Skylink, Rostelecom, MGTS and MTU-Intel).
In addition to paying for goods and services of enterprises located in the territory of the Russian Federation, a user via the Internet can also transfer his money to any Internet user or to a bank account of an individual in any Russian bank.
Internet service Payment system "Rapida" located at: https://oper.rapida.ru/. To be able to use it, you need to provide the system with a series, number and password from the Rapid card. You can purchase prepaid Rapida cards in denominations of 150, 300, 500, 1000 and 3000 rubles. And if, for some reason, this is not possible now, then you can get a virtual card with the necessary details of “Rapida” for access to the system’s website by sending it first to the address [email protected] request via email. A virtual card with details will be sent by a zip-file containing UserID and 25 special passwords. These passwords were created to protect the use of the Rapida system, of which the first 24 codes are one-time (they must be entered strictly in order), and the last code is intended for repeated use.
UserID is the user balance number. It is unique and is automatically assigned by the system at the first entrance to the Rapida website. Each time, when registering a new card, the system generates numbers and tells the user a new number. The Rapida user can have more than one number in the system. And it can save only one UserID, at the same time, using a function such as “replenishment of funds”.
It is possible to replenish an account in a payment system not only with prepaid cards, but also in cash at Russian Post offices. There are more than two thousand branches connected to the Unified Payment Acceptance System. In this case, the commission will be 1.2%, and the maturity is 1 business day.
Also, you can replenish your account from any commercial bank by transfer. You do not need to open an account for this. The commission is set by the bank, and the term for crediting funds to your balance is usually no more than three business days. For technical reasons, transfers through Sberbank are not made. In addition, other Rapida members can transfer funds to your account. To do this, they need to know your UserID or mobile number.
In the very near future, the Rapida payment system plans to provide an opportunity for users to deposit funds from MasterCard and Visa credit cards. When debiting the amount you need from the card, the ATM will print a check with access codes (batch number, password and login) to the system.
Unfortunately, since September 2004, the direct gateway between the WebMoney and Rapida payment systems has been closed. But the network has special exchange services that allow the conversion of banknotes of the most popular payment systems into Rapida’s electronic cash.
Payments through Rapida for the services of mobile operators, Internet providers, or utility bills are made without commission interest. But for payments on bank details and when transferring funds between various participants of the Rapida system, interest will be charged. In the first case, the commission will be 3%, and in the second - 0.5%.
You can withdraw funds from the system by crediting to a bank account or by returning a card. The commission in the latter case will be standard - 5% of the card face value).
The system also has disadvantages. The activities of a credit organization with a legal form of LLC always impose some restrictions on the provision of services to consumers.
In addition, the Rapida security system is difficult, especially for novice users, because there is a chance to confuse the order of codes and be denied access to the payment system.
Well, it is impossible to keep silent about the fact that Rapida does not publish anywhere statistics on payments made, and on the number of registered users. In addition, the Rapida payment system does not have an affiliate program to attract new users.
