MOBI.Money

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2016-07-19 00:00:00:

MOBI.Money electronic payment system brings freedom and comfort into our lives. Now you do not need to go to the bank office, stand in long lines and fill out receipts. MOBI.Money allows you to make financial transactions online. In this case, even the presence of a computer is not necessary: all types of payments can be made through a mobile phone or tablet.

How did the MOBI.Money mobile payment system appear ?

MOBI.Money service is a joint development of employees of MOBI.Money closed joint-stock companies and VTB Asset Management. The basis for creating a payment was the PayCash technology , which was widely used by both citizens of the Russian Federation and residents of other countries.

This technology was created in the late 90s of the last century. It is still working, confidently conquering the global financial market. PayCash is characterized by a high level of reliability and security. Transfer, storage and exchange of information are carried out according to specialized patented security protocols. The right to own the PayCash technology belongs to PayCash Closed Joint Stock Company .

Responsibility for conducting financial transactions is assumed by the Non-Banking Credit Organization MOBI.Money , whose activities are regulated by the License of the State Bank of the Russian Federation.

How does the MOBI.Money payment system work ?

By installing the mobile service on a smartphone, the user will be able to:

pay for purchases or services of telephony, Internet and TV providers, utilities, pay for the use of hosting, etc.;
save your time;
pay a fee in a convenient way using the Internet or SMS notifications.

Conducting payment transactions through the MOBI.Money system is very simple. You only need to take a few steps.

Step 1. Choose a service or product.

Step 2. Fill out the payment form.

Step 3. Transfer funds from the account opened in the payment order.

To make payments you will need:

smartphone;
account in the system of mobile payments MOBI.Money ;
a certain amount that would be enough to pay for the purchase.

The service can be used by subscribers of major Russian mobile operators: Beeline, SMARTS, MegaFon, Rostelecom-Ural, TELE2, MTS.

Funds will be taken from the cell phone balance. The commission fee for financial transactions in mobile mode ranges from 2 to 10% and depends on the tariff plan of the store where the goods are purchased.

The main differences between the MOBI.Money service and other payment systems

The task of MOBI.Money is to make the procedure for conducting payment transactions as comfortable, fast and profitable as possible. Payment system customers spend only a few minutes to pay the bill. The service practices a cashless payment system.

MOBI.Money differs from other payment systems by some features.

To make payment transactions through MOBI.Money , the user does not need to open a bank account.
No prepaid cards required.
Connection to the service does not provide for downloading JAVA programs to a mobile device.
You don't need to set up GPRS on your smartphone or tablet.
Work with the service is carried out from the same SIM card, which is also used for phone calls.
To make a payment, you do not need to create long and abstruse SMS.

How to become a partner of the MOBI.Money payment service ?

Banking organizations, mobile operators, virtual trading enterprises can become a partner of the MOBI.Money payment system . The mobile platform is easily integrated with any organization that operates on the World Wide Web. Therefore, almost all interested companies can cooperate with the service.

MOBI.Money gives partners the opportunity to expand their sphere of influence and offer the company's customers the maximum number of services and modern services.

Scheme of making payments through the website of the payment service MOBI.Money

To pay for a product or service through the website of the MOBI.Money system , you must go to www.mobi-money.ru. On the main page, you need to select a product or service (for example, Beeline mobile operator services) and click the icon.

A form opens, the fields of which must be filled in. To conduct a financial transaction, the user will be required to enter the following information:

mobile phone number (if the client is registered in the system, this field will be filled in automatically);
the phone number to which the funds will be credited;
the amount payable in rubles;
payment method (bank card connected to a mobile phone or phone account).

After all the fields of the payment form are filled in, you must click the "Pay" button. A window will appear in which you can see all the information on the transaction (the amount is presented taking into account the commission fee). The data should be carefully checked.

The next step is to enter a password. For users who have not registered on the service, the MOBI.Money system will send a password to the mobile phone. To get the secret code, you should click the "Get password" button. Click "Payment Confirmation", and the financial transaction was successful. A window with a receipt will appear on the screen of the device.

Making payments using SMS notifications

MOBI.Money service allows you to pay for goods and services, as well as make money transfers via messages via a mobile phone. The procedure for such payments is very simple. To make financial transactions, you just need to send commands in the form of SMS messages. Notifications are sent to 3116.

The service is available from the numbers of major mobile operators that operate in Russia: Beeline, MTS, MegaFon, Rostelecom and others.

The following payments are possible:

transfer of funds to bank cards (the minimum payment amount is 10 rubles, and the maximum is 15 thousand rubles; commission up to 5 thousand rubles - 5.95% + 95 rubles; over 5 thousand - 5.95% + 259 rubles);
payment for mobile telephony services (the minimum amount is 10 rubles, the maximum is 5 thousand rubles; the commission fee ranges from 5.95-6.95% and depends on the conditions of the mobile operator);
services of Internet and TV communications providers (the minimum payment amount is 10 rubles, the maximum is 5 thousand; the commission will be from 0 to 7% and depends on the conditions that the service provider imposes);
satellite Internet (minimum amount - 10 rubles, maximum - 5 thousand; commission fee is not charged);
services of public utilities - "Gazprom" (commission - 6%);
telephony (commission - 2.5–4.5%);
repayment of debts on loans (there are restrictions on the amount of payments: minimum - 10 rubles; maximum - 5 thousand rubles; commission fee will be 7% of the total amount of payment).

With the help of SMS notifications, you can also pay for goods purchased in virtual stores. The MOBI.Money payment service cooperates with such trade enterprises as "Russian Bouquet", " Aromarket ", Trading House of the Book "Moscow", " Florist.Ru " and others. Each of the stores takes its own commission percentage (2-6%). You can also transfer funds to many charitable foundations operating in Russia. In this case, no commission is charged.

Buying train tickets

MOBI.Money is a multifunctional payment service. You can even buy train tickets with it. True, this service is available only for subscribers of the Beeline mobile operator. The money is credited to the account of the railway company instantly.

To purchase a ticket, you must follow the instructions.

Call the information and service center (0633) on your mobile phone and wait for a while until the operator answers, to whom you inform that you are going to pay for the travel document.
The operator will help you choose the right route and cost, record the personal data of passengers and process the purchase of a ticket.
A message from Beeline will be sent to your phone number, in which the order data will be presented. You need to check them and confirm the payment (there is no fee for confirmation).
In a couple of seconds, you will receive a confirmation of the financial transaction, as well as a message containing the order number and the barcode of the travel document. The ticket fee will be charged from the cell phone balance.

The printed ticket is issued at the railway ticket office out of turn. To get it, you need to show the cashier the number from the message from Beeline. There is another option for obtaining a travel document - through a self-service terminal. To do this, scan the barcode.