P2p from card to card. P2P money transfer services from card to card Visa and Mastercard. What are the advantages of P2P online transfer

You provide services, but you are not an entrepreneur. You decide to sell something. You pay for everyone. You need to pay off debt credit card. Here is just a small list of those situations when you need to transfer money from one person to another.
In general, there are several options for transferring money: give in cash, transfer with electronic money, make a payment through the Internet bank, make a transfer from a bank card to bank card Visa or mastercard. Each method is good in its own way, but the cards still rule!
I was interested in doing a review of Russian P2P transfer services using bank cards.

As of July 2013, 6 services were found for transferring funds from card to card using Visa Money Transfer® and MasterCard MoneySend® technologies:

Under the cut you can find specific recommendations. I invite the public to use, clarify and supplement.

Comparison of methods: Cash, E-Money, Online Banking, Visa / Mastercard

Pro Card number… The sender of money needs to know the recipient's card number in most card-to-card transfer services. The card number, by itself, is not enough for scammers to take your money. But still, if you guess the month and year, then in some cases you can make a transaction, while neither CVC, nor first and last name, nor 3DSecure are needed. Therefore, you should not tell the card number to everyone right and left and publish it in the public domain.

O 3D Secure(3DS)… This is already a well-known technology for protecting bank cards - it involves confirming the operation by entering a code from sms, a one-time code from a scratch card or an extract from an ATM, or a payment password. 3DS authentication is equivalent to an electronic digital signature - i.e. such a transaction is almost impossible to protest. Not all cards support 3DS, because. technology for banks costs a lot of money. Here is a partial list of banks who support 3DS.
Some leading banks implement the service frankly poorly. For example, VTB24 - to activate 3DS on the card - you need to go to the bank with your feet and write an application. Or, for example, Sberbank - in order to get a list of codes - you need to take care of this in advance and print out an extract with 20 codes at an ATM. At least that was the case until recently.
According to experts, and personal experience, normal support for 3DS is implemented only in 50% of bank cards in Russia.

Cash- the easiest option. But what if there is no cash: there was not enough money, I forgot my wallet, there is nowhere to change, the ATM is far away.
Electronic money not versatile enough. Suitable if both people use them, and at the same time the same. If e-money is different, it becomes necessary to exchange it. It's getting harder and more expensive, and certainly not instantly. And so the transfer within a particular PS is instant, the transfer fees are minimal, or even zero. There are still commissions for withdrawing to cash - at the level of 2-3%.
Bank transfer not fast. Online banking assumes that the sender and the recipient have an Internet bank in any of the banks. But even if so, then this method can be considered as instant only if the sender and recipient have accounts opened in the same bank. Otherwise, the transfer takes from 1 to 3 calendar days, the commissions are different: from a fixed 20 rubles without %%, up to 3% of the amount.
bank card as a means of payment is the most simple and understandable. The cards have maximum coverage and are available to any person "from the crowd". Visa and MasterCard have long come up with acquiring, but it is only available to companies (and entrepreneurs). For the common people - individuals- implemented technologies for secure transfer of funds from one person's card to another's card: MasterCard MoneySend and Visa MoneyTransfer (or Visa Personal Payments).

Comparison of P2P card-to-card transfer services

Comparison of service fees

I figured out how much the real commission would be when transferring 300, 500, 1,000, 3,000, 5,000, 10,000 and 15,000 rubles. We got interesting figures: from 0.5% to 16.7%.

It's easier to see everything on the chart:


As I already wrote, some banks offer special conditions for transferring funds to your own cards (in the table and on the graph, these are options min). For example, "Alfa Bank" offers 0.5% + 30 rub. instead of 1.95% + 30 rubles. for the translation. Russian Standard Bank" offers 0.5% + 50 rub. instead of 1.90% + 50 rubles. Agree, it is reasonable to use the services of those banks that face the client.

Results

Find the most profitable terms in a given situation, it is possible, knowing transfer amount, card type of sender and recipient(Visa or Mastercard) and the bank that issued the recipient's card.

• MasterCard Mobile- the most balanced service, but for transfers only between MasterCard cards of any banks. The sender needs to register with the service. The lowest commission when transferring amounts up to 1000 rubles. Oddly enough, praised by all Visa system didn’t bother to launch anything like this for their cards (author’s note).
• pay online- the most versatile service. The lowest commission for transfers between Visa cards with an amount of less than 500 rubles.
• Alfa Bank- the lowest commission when transferring from any card to an Alfa-Bank card, starting from the amount of 1000 rubles.
• Russian standard- the lowest commission when transferring from any card to a Russian Standard card, starting from the amount of 3000 rubles.
• Qiwi- oddly enough, it loses to everyone, with a transfer amount of more than 1000 rubles.
• RuRu and Russian standard- the most greedy when transferring less than 1000 rubles.

Who needs it and why?

In what situations can P2P transfer services be useful?

• Do you provide services. You are not an entrepreneur, you do not have a cash register or a pos-terminal with you, and you are not yet ready to issue invoices and acts either - all this is only in the nearest plans. Are you a freelancer, a remote worker, or a hairdresser, masseur - whatever. You've done the work, you need to get paid, here and now.
• You decide to sell something from old rubbish. They placed an ad, a person comes, everything is OK, you give away your trash, a person gives money. And all this must be done at the same time.
• You pay for the whole company. Relax in a bar or restaurant, at the end they bring a single bill. Someone may not have change or the required amount of cash. Others would like to pay by card. And it starts. As a result, one person pays on the card, others are thrown off in cash, and it would be nice to get money from the rest, too, because. there is a chance that we will not see them again, or they will not deliberately forget about it.
• You urgently need to send money. Situations are different, incl. and with people we love. Sometimes there is simply no time to figure it out and look for the nearest WesternUnion or Contact, neither to yourself, nor even to the recipient of the transfer.
• You need to pay off your credit card debt. Sometimes it happens that you need to throw money to yourself. Soon the end of the month, and then you remember that you climbed into credit limit. The most annoying thing is that it can be quite a bit, for example, the subscription fee for SMS was debited. And that’s all, if you don’t replenish 50 rubles in time. - a negative credit rating is secured for a long time.

1. Get two cards from two different banks. For example:

• Mastercard card "MTS Debit" or "Bank in your pocket" from the Bank "Russian Standard". Is free.
• subscribe to the service package

Probably, many of you have already heard about the ability to quickly and easily transfer money to any bank card holder. Previously, in order to send any amount to another person, you had to personally visit a bank branch, fill out applications, and wait for several days. Modern online transfers is the ability to instantly send financial resources. However, money transfer from card to card used to require filling in many fields, and entering numbers took a lot of free time. Now online transfers p2p is a really fast and convenient money transfer system.

What it is? How to use

Service p2p invites you to translate cash practically within a few seconds. To carry out the operation, you must:

• have a card of any bank in Russia;
• have the amount necessary for the transfer on the card account (or have a sufficient limit);
• know the details of the recipient (in particular, his card number and last name);
• have access to the global Internet.

From anywhere in the world, you can easily transfer money by filling in just a few fields.

It is important!

1. Implementation of the translation by the service p2p saves you money - the commission for the operation is reduced.
2. With the help of the service p2p online store owners can accept payments from customers.

In principle, there is now an active proliferation of use of the service among small businesses who request payment for services or goods through money transfer from card to card or checking account.

Obvious benefits p2p

p2p has a huge number of advantages. Your convenience is:

• the ability to transfer anywhere where there is access to the Internet;
• reduced transfer fee;
• availability of the service (it is always provided, 24 hours a day, 7 days a week);
• the need to know only the minimum amount of information about the recipient;
• the possibility of carrying out the operation both from a stationary PC and from mobile phone and other gadgets that support Internet access;
• the ability to transfer money to any cards that support Visa and MasterCard, regardless of whether the card belongs to the bank;
• the possibility of performing a transaction without opening an account;
• convenient access to the history of translations;
• the ability to save translation templates.

Thanks to the service p2p, you can transfer money anytime, anywhere, to any recipient.

Now the service is actively used by almost all payment systems and organizations operating on the Internet.

Updated on 11/16/2019.

In today's article, we will analyze in detail one of the most necessary tricks for anyone, which allows you to more quickly manage your savings - transferring funds from card to card.

Transfer from card to card by card number has many different names: card2card, card-to-card, MoneySend, Visa Transfer, Visa Direct, C2C, moneysend, c-to-c, etc. However, the essence of such transfers, of course, is the same: you need to enter the card number, its expiration date and cvc2 (cvv2) the code of the card from which you send money (donor card), as well as the card number where you want to send money, and the transfer amount itself .

It is important not to confuse interbank transfers (you need to indicate the account number, bank BIC, payment purpose) with Card2Card transfers. Their mechanism is completely different. To simplify a little, interbank transfers are made with the help of the Central Bank of the Russian Federation, and C2C can be compared with ordinary card purchases that occur thanks to International Payment Systems(MPS: MasterCard, Visa) and . You can read more about interbank transfers.

Card-to-card services can be found on the websites of many banks, payment services, various financial portals, even on the banki.ru website there is a card-to-card transfer service provided by Alfa-Bank:

However, operators usually want a commission for such transfers, 1.5-2% of the amount. Usually, but not always. Professional depositors use the C2C service exclusively for free.

The fact is that some banks allow using Card2Card transfers to replenish their cards from cards of third-party credit organizations without commission. In the language of professional investors, this operation is called “pulling”.

It is also important to remember that some banks prohibit making free donors from their cards, i.e. they introduce a commission for pulling from their cards, but there are still not so many of them. About everything in order.

Free replenishment of the card using Card2Card transfers. contraction

In order to withdraw funds for free to the cards of the banks listed below, you need to use the Card2Card service of these banks. Those. to replenish, for example, a Tinkoff Black card from a Sberbank card, you need to go to the Tinkoff Internet bank and initiate a transfer from there (so that there is no commission from either " Tinkoff Bank", nor from Sberbank). If you use the C2C service of Sberbank, then the commission from Sberbank cannot be avoided.

So, you can withdraw money for free on the following cards through the appropriate services:

1

New debit card"Renaissance Credit" is able to collect 50,000 rubles per month for free (calendar):

2

UPD: 06/14/2017
When sending transfers from MasterCard cards and Maestro through the social network "VKontakte" no commission is charged on transfers the total amount up to 75,000 rubles per month from one user and / or from one card. If the amount of transfers from one user and / or from one card exceeds 75,000 rubles per month, then a commission of 1% is charged from the excess amount, at least 30 rubles per transfer.

Transfers through Odnoklassniki became paid.

UPD: 12/19/2018
The campaign for free transfers from MasterCard and Maestro cards through the VKontakte social network service has been constantly extended since 2017. It is currently valid until April 30, 2019.

UPD: 05.10.2017

4

From the TalkBank card, you can make free outgoing transfers using the card number. The total limit for card transfers and cash withdrawals is 60,000 rubles per month.

UPD: 04/08/2018

5 Card "Your cashback" from "PSB"

The Your Cashback card is one of the few cards from which you can make free outgoing C2C transfers by card number, this Promsvyazbank card can push money out for free (as Tinkoff card Black). Monthly limit (calendar) 20,000 rubles / month, the amount of one transfer should be from 3,000 rubles.

Conclusion

It may seem that Card2Card transfers are complicated, and it is very easy to get confused in all this push and pull. There are too many things to consider in order to make transfers from card to card without commission. However, there is nothing complicated in this, everyone can figure it out if they want, of course :)

C2C translations save a lot of time, because allow you to increase the number of transactions that can be performed without a visit to a bank branch.

These transfers are especially helpful in small towns, where the choice of credit institutions is limited. If in your city there is nothing but Sberbank, then this does not mean that you need to use only its services.

Deposits and cards can be opened in other credit institutions, offering more attractive conditions when you are in large cities. And leave the native "Sberbank" only for transit. It is enough to replenish the Sberbank card, then withdraw money to some Kukuruza or Beeline with PNO, and then send it to any other credit institution through the interbank market.

Thanks to card-to-card transfers (free, of course), you can get rid of the need to go to a bank branch (if the bank does not have free outgoing interbank transfers) at the end of the deposit period and then drag around the city with cash.

Therefore, you need to have several, with the possibility of free pulling from other cards, as well as with convenient replenishment (donor cards) and alternate them periodically.

I hope my article was useful to you, write about all the clarifications and additions in the comments.

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Probably anyone who has ever encountered the need to transfer money quickly has also encountered bureaucracy, commissions and headaches from the process. With ClickPay, everything has become so simple that the transfer of money happens instantly! Anyone with Internet access can make a money transfer quickly and securely. This is made possible by the transfer technology between P2P cards.

The site site offers you the opportunity to make this transfer using cards issued under the logo of MasterCard Inc. and Visa issued by Moldovan banks.

How to use the fast money transfer service?

To get started, go to the site and select one of the available options:

Then enter the card number, first and last name, card expiration date and CVC code.

In the right field, enter the name and surname of the recipient, and an additional identifier required by the system, depending on the selected transfer method:

Send money to a card knowing 16 digits on it

To the recipient's mobile phone number

Or to his email address

Select the transfer amount and currency and confirm it.

If the transfer currency differs from the recipient's card, the system automatically converts the transaction amount in accordance with the exchange rate set for bank card transactions.

What are the advantages of online P2P transfer?

Available. Anyone with access to the Internet can use the service anytime, anywhere.

Ease of use. You do not need to register in advance.

Fast. Real time transmission

Wide coverage area. You can make a transfer from a card of any Moldovan bank to another bank card in the country or around the world, regardless of which bank issued it.

Wide possibilities. Money transfers can be carried out in the national and foreign currency.

Safety. The 3D-Secure service confirms the transaction and generates a unique password.

Who is P2P money transfers for in a virtual environment?

The site gives you the opportunity to commit on time, across the country or abroad. The process is very simple, fast and safe. This frees you from visiting a bank or opening a checking account in foreign currency to make transactions in the desired currency. As long as you have a device with Internet access, you can make a transfer effortlessly!

Confidently use this excellent service through the website platform! Your money is at arm's length!