on the course "Economics"

on the topic: "Rapida system"

1. Purpose of the Rapida system

The system began its work in 2001, initially relying on cooperation with banks. At the first stage, the system was engaged in the issuance of bank prepaid cards, then it gradually developed remote settlement services. At present, the system exists as NPO Rapida Payment System LLC, 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 the license for banking operations of the Bank of Russia 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 need to register on the operating site and credit funds to an account in the system.

Through the services of the system, payment is available for a fairly large number of recipients, and not only and not so much those on the Internet, but rather the emphasis is on traditional recipients of payments: MTS OJSC, VimpelCom OJSC, Megafon OJSC, etc. More than 500 enterprises cooperate with Rapida, including commercial television operators (NTV-Plus, Kosmos-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 communal sector (Moscow, St. Petersburg, Kazan) and many others. The system also allows instant transfers from an account to an account of a system participant.

Of the features, it should be noted that there are significantly fewer ways to deposit and withdraw funds than WebMoney, Yandex. Money, RUpay. In fact, there are only two ways to deposit funds: buying a prepaid card and transferring via the Russian Post. Since September 2004, the direct gateway between Rapida and WebMoney has been closed, but now the first exchange services have appeared that allow exchanges between third-party electronic money systems and the Rapida system. However, these services are not on the coordinate system site, but Rapida's customer support will tell you their addresses. Currently, the system seems to have relied on working 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 it is almost impossible to find information about this on the system's website, and an unprepared potential client will definitely not be able to become a client of this system. All this suggests that the system only continues to serve existing customers of individuals, without trying to attract new ones. In the future, the system will continue to function as a payment system, an analogue of VISA, MasterCard, Union Card. Rapida has already released its local map. The services offered by NPO Rapida Payment System LLC are divided into two areas: offers to banks and offers to businesses.

2. Antiqueuing service

The main purpose of the AntiOcheredin service is a convenient payment for cellular communications and other regular payments (utilities, Internet, television, etc.) from a bank card account. The key advantage of "AntiQueuing" in relation to alternative options is ease of use for the client. For example, to pay for their own phone, a bank client after connecting to the service only needs to send an SMS message: the amount of payment in rubles to service number 1879. The service is provided to subscribers of MTS, BILAYN, MEGAFON, SMARTS, » (Uralsvyazinform) of all tariff plans without replacing SIM-cards or installing software.

3. Rapida bank card

The Rapida payment system presents the bank with a unique product for the retail business: a bank card with advanced functions of mobile and Internet banking and a network for depositing funds to the card account, which will allow the bank to quickly and cost-effectively issue settlement and credit 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 desks, acceptance at trade and service enterprises), bank customers - cardholders, can use the following services:

secure execution of the most popular payments and transfers, including payment for utilities and telecommunications services using the Internet and/or mobile phone;

replenishment of a bank card account through the Rapida payment system network (post and bank 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.

To service 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 gets the opportunity to organize the acceptance of payments for cellular communications, rent, electricity, city and long-distance telephones, Internet, television, credit through cash desks, ATMs, mini-offices (terminals) and other (Internet, telephone) systems banking self-service.

The Rapida payment system, being a federal client of the Federal State Unitary Enterprise Russian Post, offers banks to use the postal network, which has more than 40,000 post offices, to collect payments to repay loans. At the same time, bank customers can use other opportunities of the Rapida payment system to repay a loan: a network of bank branches, a network of terminals, and remote payment services.

5. Processing of bank cards and payment of transfers through

post offices

The 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 associated and affiliated participants of these international payment systems is provided by Vnesheconombank.

The Rapida payment system offers the bank to use the network of post offices to pay money transfers. A transfer sent by a bank through Rapida is paid out 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.

The 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 the services and goods of your company, based on modern electronic technologies.

The capabilities of the Rapida payment system will allow organizing the acceptance of payments for the services rendered by the company through:

branches and additional offices of commercial banks - participants of the system;

networks of ATMs and self-service terminals;

branches of the Federal State Unitary Enterprise Russian Post.

Connection to the Rapida payment system will not require significant time and money and will allow:

get a large additional payment acceptance network;

receive information about the payment in real time;

have a bank guarantee of receipt of funds to the current account on the day specified in the contract.

The company's clients will have access to the payment service, which includes:

payment site;

SMS-service (for subscribers of MTS, Beeline, Megafon) - making payments by sending SMS-messages to the short number of the mobile operator;

a network of payment system agents that provide customers with the necessary payments.

When connecting, the enterprise specifies the necessary payment parameters that allow the payer to be identified (product/service code, personal account number, subscription agreement number, order number, etc.).

The Rapida payment system allows you to automate and simplify the collection of payments, as well as provide users with a fast and convenient mechanism for paying for enterprise services.

6. Payment terminals of the Rapida system

Rapida payment system presents a solution for retail business: self-service banking mini-offices. The mini-office is designed to receive payments for the most popular services (cellular communication, rent, electricity, city and long-distance telephone, Internet, television, credit, etc.) and is a stand-alone device that is remotely connected to the Rapida processing center.

Mini-offices allow you to make payments in cash or with a bank card, replenish accounts and repay loans. To do 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 accepting cash and non-cash payments from individuals:

in repayment of bank loans;

for utilities, electricity, city and long-distance telephone;

for Internet access and pay TV services;

for cellular services and much more.

The payment terminal is a stand-alone device. All that is needed is a periodic change of paper in the printer and collection of money from the bill acceptor. The activity of accepting payments is not licensed, registration of the payment terminal with the tax authority is not required.

There are two options for cooperation:

The client company acquires a ready-to-work payment terminal with installed software, concludes an agreement for accepting payments and becomes a participant in a profitable business.

Payment system "Rapida" was established by the non-banking credit organization of the same name, 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. With the help of "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 the Rapida services are available to private users. In particular, through "Rapida" you can transfer and receive transfers, pay for loans and utilities, as well as telephone communications.

However, the payment system has a number of disadvantages:

Inconvenient navigation. To register in the system or log into your account, you need to get to the payment site, the link to which is not available on the official site.
Mandatory account verification. On March 12, 2008, Rapida introduced new rules, according to which the full use of the system is impossible without verifying the identity of the user. To do this, Rapida Customer Service must be provided with: a special questionnaire on paper and a general passport. Only after verifying the data provided, you will be able to fully use the payment system.
To speed up this process, you can send a completed application form and a scanned copy of your passport by e-mail. But at the same time, the package of documents must be sent by regular mail.

Registration in the system "Rapida"

The registration procedure in the "Rapida" system consists of several steps. To get started, you will need to enter your valid mobile phone number or work email address, enter the code from the picture and click the "Next" button.

The next step will require you to create a login password and repeat it. Here you must also indicate your real name, surname, patronymic, passport series and region of residence. If you have already made money transfers using the Rapida payment card without registration, you can enter the series, number and next password of the last prepaid card in the appropriate fields. Otherwise, that is, when using the system for the first time, leave these fields blank.

To complete the registration process, you need to enter the activation code sent to the previously specified e-mail. This step is required 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 each time you log in.

Deposit and withdrawal of funds

The main way to replenish your account on "Rapid" is to buy a prepaid payment card. Their face value varies from 500 to 3000 rubles, and you can buy them either at retail outlets in your city (addresses of existing sites distributing payment cards can be found on the official website of the system), or ordered by phone to your home or office.

However, the system allows funds to be credited in other ways:

• In cash or by transfer using partner banks: Absolutbank, Alfa-Bank, Bank of Moscow, Promsvyazbank, Citibank, and others. The full list of banks making payments to Rapida accounts can be found here.
• Through payment terminals.
• Postal transfer.
• Using Internet banking from the accounts of the Bank of Moscow, Prombusinessbank or Absolutbank.

Usually, money is credited to the account quickly - from several 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 in partner banks, or as payment for housing and communal, 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 stores 1% of the transaction amount, while in the Eldorado network of stores, the commission from the transfer (requirement) will be from 2 to 2.5% (depending on from the region). No commission is charged for replenishing the account by the system.

Safety system. Like many systems for online settlements, the Rapida payment site uses a secure https connection. This is where the similarity between Rapida and other payment processors ends.
The most striking individuality of "Rapida" is manifested in matters of passwords. Its system of codes takes on bizarre forms that cause an unprepared user to be a little bewildered.
So, in addition to the password set by the user during registration, the system requires a session key when logging in. And it is he who is needed for any changes in the account during this session.
After replenishing an account using a card, the details for entering the payment site change to those that were indicated on this card. It is also important to know that it is almost impossible to restore access to the account in case of loss of data from the last prepaid card.

An experienced moneymaker should always have several tools to manage e-commerce.


It is better to register several accounts in different payment systems, so as not to face unnecessary problems later. In this article, we will analyze one of the most popular payment instruments called Rapida.

Is it worth registering with Rapida?

An account in this payment system will definitely not be superfluous, because it opens up a lot of different opportunities.

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 get into many TOPs and is considered one of the best.

It has a number of advantages:

• more than 15 years of stable work;
• availability of a license of the Central Bank of the Russian Federation for processing banking operations;
• it is often used to accept payments on websites;
• reliable security;
• a huge list of ways to replenish the account;
• you can pay bills over 15,000 rubles;
• responsive technical support.

Rapida's clients number in the thousands and this is not surprising. After opening an account in this payment system, you will understand why it is so attractive. Take a few minutes and go through the usual registration.

Registration of Rapid

Now registration on Rapida has been made 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, first name and last name. To proceed to registration, after going to the official website, click "Electronic Wallet" and in the upper right corner you will see a link for registration:

A page will open where you need to enter information. Registration takes place in 3 simple steps - data entry, confirmation and completion.

Be careful when entering the basic information, the phone is checked necessarily, and further 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 verification (I already have them verified, so the status is "Granted"):

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 office of the Rapida company.

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 transferring funds received from Adsense, it will not work until identification is passed. This is not a whim of Rapida, new laws have been introduced in Russia that prohibit making 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. You can conduct various transactions from the Rapid wallet.

Rapida OnLine Rapida payment system - RAPIDA electronic wallet or Rapida payment system helps to make paying for goods and services even easier and more convenient!

Rapida Payment system Rapida OnLine Electronic wallet. What is the payment system Rapida, Rapida OnLine?

Rapida payment system, Rapida OnLine E-wallet- was created by the non-banking credit institution of the same name. This resource works not only with legal entities, but also with individuals. Also, "Rapida" provides an opportunity for communication salons and terminal networks to accept payments to accounts in Russian banks.

Despite the fact that the payment system is focused on commercial organizations and enterprises, most of Rapida's services are available to private users. The undoubted advantage of Rapida is the ability to replenish the account and pay for services using prepaid cards, without registering an account.

If you make money by placing contextual advertising on your sites Google Adsense, then you have certainly heard about this payment system. Otherwise, the name "Rapida" or Rapida Online, most likely, does not mean anything to you. But the function of the Rapida payment system (in terms of providing services to individuals) is not limited to working only with Adsense clients.

But, nevertheless, it is quite convenient to use Rapida to pay for goods in online stores, utility bills, top up your cell phone balance or pay for the Internet. In general, everything is the same set as other popular electronic payment systems: through Rapida, you can transfer and receive transfers, pay loans and utilities, as well as telephone communications.

Currency of Rapida payment system

The currency used by the system is the Russian ruble.

Registration in the Rapida payment system

The registration procedure in the Rapida payment system consists of several steps. To get started, you will need to enter your valid mobile phone number or work email address, enter the code from the image and click the "Next" button.
The next step will require you to create a login password and repeat it. Here you must also indicate your real name, surname, patronymic, passport series and region of residence.
If you have already made money transfers using the Rapida payment card without registration, you can enter the series, number and next password of the last prepaid card in the appropriate fields. Otherwise, that is, when using the system for the first time, leave these fields blank.
To complete the registration process, you need to enter the activation code sent to the previously specified e-mail. This step is required 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 each time you log in.

Depositing and withdrawing money in the Rapida payment system

The main way to replenish your account on Rapid is to buy a prepaid payment card. Their face value varies from 500 to 3000 rubles, and you can buy them either at retail outlets in your city (addresses of existing sites distributing payment cards can be found on the official website of the system), or ordered by phone to your home or office.

However, the Rapida payment system allows funds to be credited in other ways:

As a rule, money is credited to the account quickly - from several 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 in partner banks, or as payment for housing and communal, telecommunications and other services. As previously mentioned, the system has not made payments on loans since September 15, 2008. Rapida does not accept payments from other payment systems.

Tariffs. Rapid payment system commission

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 stores 1% of the transaction amount, while in the Eldorado network of stores, the commission from the transfer (requirement) will be from 2 to 2.5% (depending on from the region). No commission is charged for replenishing the account by the system.

draw your attention to To the fact that the Rapida Payment System is developing dynamically, all the data given in the table are taken from the official site and at the moment may already differ from those indicated in the table. Oddly enough, but the full list and tariffs will become available to you only after registering in the Rapida payment system

Tags: Rapida Payment system Rapida OnLine E-wallet Rapida payment system accepting electronic payments The most popular payment system Rapida helps to make paying for goods and services even easier and more convenient Rapida Online Payment by Rapida Payment of utility bills

Rapida payment system

Date: 2014-08-05

Rapida payment system. Rapida Online.

Rapida payment system(Limited Liability Company Non-Banking Credit Organization "Rapida") - is one of the oldest payment systems in the country: the company has been successfully operating in the instant payment market since 2001.

The easiest and fastest way to personalize a web wallet using a money transfer system CONTACT.

Your actions during the identification process:

• Come with your passport to the selected payment point CONTACT(almost any bank).
• Tell the cashier that you you need to pay for the identification of your Rapida Online web wallet via the CONTACT system (service code - RAPI) , provide a passport and the following information:

Transfer amount - 100 rubles.
- wallet number (phone number).

Note: Total cost of the service: 250 rubles. 100 rubles will be credited to your web wallet. The bank commission will be 150 rubles.

Payments are made only in Russian rubles. Funds are credited instantly. This procedure took me 10 minutes (while the cashier-operator filled out my data).

And now use the Rapida Online web wallet to your health.

All the best.