Here buy payment by bank cards.  How to pay utility bills online.  To pay with this method

Here buy payment by bank cards. How to pay utility bills online. To pay with this method

The fact is that the payment of utility bills by the service provider is the ERIP "Settlement" system. We recommend that you contact the contact center of the "Raschet" ERIP system by phone number 141 or write to the email address [email protected] and clarify the information on the billed data.

The system provides acceptance of payments by bank cards Visa, MasterCard and BELKART, on the e-pay.by/plati.tut.by resource, bank cards issued by banks of the Republic of Belarus and Russian Federation. But some banks may set a limit on the cards they issue for settlement on the Internet. In this case, in order to obtain complete information about the possibility of making payments via the Internet with a card, you should contact the customer support service of your bank at the phone number indicated on the back of your card.

Sending messages with a code to confirm payment is provided by the issuing bank (the bank that issued the card). Therefore, if you have not received an SMS, we recommend that you contact the issuing bank (the support phone number is indicated on the back of your card) and clarify information about sending messages.

After entering the card data and the appearance of the page with information about blocking the amount and the field for entering this amount, you need to call the card issuing bank, say that you are trying to make a payment on a Belarusian resource, and at present the amount in dollars should be authorized on the card USA up to 4 USD. After the bank employee names this amount, you need to enter it in the input field and complete the payment. You can enter the amount either separated by a comma or a period. You must enter not any amount, but exactly the one that our system has blocked for verification and will be called to you by a bank employee (in US dollars). Information about the amount of the blocked amount is available only to employees of the issuing bank, as well as the exchange rate of your card currency into US dollars.

The WEBPAY system does not charge commission when making a payment. However, we draw your attention to the fact that some banks may set a commission when making a payment on the Internet. We recommend that you clarify this information in the customer support service of your bank by calling the number indicated on the back of your card.

To cancel a payment, you need to contact the service provider and clarify the information about the cancellation. Or you can contact the Contact Center of the "Raschet" ERIP system by phone number: 141 or write to the email address [email protected] and clarify information on the cancellation of payment.

The notification received is for informational purposes and only informs that the return was successfully carried out in the WEBPAY system. The term for crediting funds to the card depends on the issuing bank (the bank that issued the card). We recommend that you clarify the information on the timing of crediting funds to the card at the issuing bank.

Connected online stores / sites about the system "Settlement" ERIP

When connecting, it depends on you the period of testing the WEBPAY system, as well as the period for preparing a package of documents and bringing the site in line with the requirements. When everything is ready for connection, we transfer the documents to OJSC "Nebankovskaya financial institution"ERIP". To date, documents are considered within 2 weeks.

Connected online stores/sites about online acquiring

After we have received your application, the manager will contact you within a working day using the contact details specified in the application. If you have not been contacted after this time, call us at + 375 17 269 04 30 or write to [email protected] website

When connecting Internet acquiring, the site (online store) must comply with certain requirements that are established by the current legislation, the requirements of international payment systems and acquiring banks. You can check the requirements here .

Open checking accounts in Belarusian rubles WEBPAY is not required in partner banks. Only in cooperation with OJSC "BPS-Sberbank" is it necessary to have a current account with this bank. For Priorbank OJSC and Belagroprombank OJSC, it does not matter in what Belarusian bank account opened.

You can issue invoices to clients through Personal Area WEBPAY, and no additional technical settings on the site are required. If you plan to accept payments directly on the site, then you will need to configure the module (for example, the "basket" type) in accordance with the WEBPAY technical documentation.

When connecting, it depends on you the period of testing the WEBPAY system, as well as the period for preparing a package of documents and bringing the site in line with the requirements. When everything is ready for connection, we transfer the documents to the bank. As of today, the bank reviews the documents within 3-4 weeks.

The system ensures acceptance of payments by Visa, MasterCard and BELKART bank cards, regardless of the bank in which country of the world the card was issued. Please note that some banks may set a limit on the cards they issue for online payments.

Developers

Please check the data you are sending in the POST request. First of all, pay attention to the presence of required fields, the correctness of the transmitted links, as well as the amounts (it is allowed to use only two digits after the separator, "." or ",").

Since 2008, the automated information system of the single settlement and information space (AIS ERIP) has been actively used on the territory of the Republic of Belarus, which was created to simplify the mechanism for transferring funds for paying for services by individuals and legal entities. To date, more than 13 thousand companies are members of this system, in favor of which payments can be made using the capabilities of 24 Belarusian banks. Among other advantages, it provided an opportunity to quickly and safely pay utility bills via the Internet.

Payment methods for utilities

One of the most common ways to make payments today is online banking. To use it, it is enough to issue a card of one of the banks of Belarus and connect this opportunity on it (depending on the issuing bank, Internet banking is connected independently or by a specialist in the branch).

You can also make payments through ERIP using, and belqi.

In addition, there are several Internet resources that also allow you to pay for goods and services of organizations registered in the ERIP. In particular, this is a portal that provides an opportunity to pay for services with a card of any bank of any sample. Here you can make a payment not only in favor of ERIP enterprises, but also those, as a rule, small organizations cooperating directly with WebPay.

Advantages of the ERIP system

  1. Ability to independently make payments without commission for transferring funds;
  2. A single tree of services, which contains all organizations connected to the system;
  3. Saving all the details of the operations performed and the ability to view the history of payments;
  4. Guaranteed transfer of funds in favor of the selected organization upon successful completion of the operation.

What do you need to pay utility bills online?

To pay for services in the ERIP system, you just need to get access to one of the payment systems (connect Internet banking, create an electronic wallet or register with WebPay) and find out some details necessary to identify the payment (personal account, contract number, account number, etc.). , as well as meter readings, if any).

Until what date to pay for housing and communal services? The recommended dates are the 15th-25th of each month, however, the amount due is usually billed on the first days of the month (exceptions for individual organizations or payments are possible).

How to pay utility bills online?

First of all, you need to select a payment system and log in with your username and password.

Go to the "Payments" / "ERIP Payments" / "Settlement System" section or similar; add "New payment".

In the expanded tree of the ERIP system, you need to select the region of residence, then open the "Utility payments" tab. You will see all available this region operations. After that, you need to find the name of the organization or the name of the service that you are going to pay for.

Then the system will prompt you to choose or enter (for WebPay) the number of the card from which the payment will be made.

After that, it will be necessary to fill in all the requested fields, namely the personal account, contract number or something similar to search for your particular payment; if meter readings are required for the calculation, they will also have to be entered.

After filling in all the requested fields, it remains to click the "Pay" button (sometimes additional payment confirmation via SMS is required) and print or simply save the check.

Participating bank statistics

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Back in 2008, the Republic of Belarus began to introduce automated system ERIP, which you can use if you know how to pay utilities through ERIP. This system or AIS was formed by the National Bank in order to simplify the method of transferring money in order to pay for various services, both physical and legal. persons. Currently, over thirteen thousand companies participate in it, the accounts of which can be paid through the virtual space, and located in twenty-four banks of the country. Among other things, using this system, payment via the Internet in Minsk utility bills can also be carried out in a fast and secure way.

Ways


One of the payment options in the country is internet banking. The service is easy to use if you have a bank card of the Republic of Belarus. To do this, you need to connect it. Depending on the banking institution this operation is carried out directly in the department or independently.

In addition, there are various sites that are registered with the ERIP, where payment can be made. For example, the WebPay resource conducts operations with cards of any banks, be it Belarusbank, Priorbank or any other. Moreover, payments here can be made not only by those companies that are registered in the ERIP, but also by other, usually small businesses that cooperate directly with WebPay.

The information system has many advantages. Among the most significant of them are the following.

  1. Communication services, utilities and other payments are made without additional charges.
  2. A single information portal has collected all the companies that are registered in it.
  3. Saving information on transactions performed and the ability to track at what stage of transfer to the bank certain payments are.
  4. A guarantee that exactly the current account in favor of which the operation was carried out will be paid.

What you need to pay utility bills through ERIP

To pay for the garbage collection service, phone, gas, Kindergarten and so on, you must have access to any payment system on the Internet. You also need to know the details of the account where the payment will be made. In some cases, the name of the organization is enough, in others - the contract number, in the third - a personal account, as well as exact bank details.

Important! Payment of utilities is carried out in the period from the 15th to the 25th day of the month. But the amounts for this are usually billed at the beginning of the month.

To make a payment, you need to perform the following algorithm of actions.

  1. Log in to the personal account of the payment system, where you have your account.
  2. Go to the section "Payments", "New payment", "Settlement" or under another name (in different systems- differently).
  3. Next, you need to fill out the form that appears, where you usually indicate the address, service, for example, when you need to pay for home phone, for gas, garbage (removal), other communal payment, other data.
  4. Specify the account number from which the funds will be debited.
    Having specified all the information and having checked them, it remains to click on the "Pay" button and confirm the payment in the appropriate way.

Some statistics

In the Republic of Belarus, be it Minsk, Grodno or any other city, the popularity of such payments is growing from year to year. Paying via home Internet allows you to save a lot of time, not to go to a bank branch and not stand in line there. Moreover, this method is profitable, as no commission is charged for it. The most popular banks used by the country's population when making transactions are Belarusbank (accounting for about 60% of transactions), Belagroprombank (9.5%) and Priorbank (9%).

16.11.2018

The fact is that the payment of utility bills by the service provider is the ERIP "Settlement" system. We recommend that you contact the contact center of the "Raschet" ERIP system by phone number 141 or write to the email address and clarify the information on the billed data.

The system provides acceptance of payments by Visa, MasterCard and BELKART bank cards, bank cards issued by banks of the Republic of Belarus and the Russian Federation are accepted for payment on the e-pay.by/plati.tut.by resource. But some banks may set a limit on the cards they issue for settlement on the Internet. In this case, in order to obtain complete information about the possibility of making payments via the Internet with a card, you should contact the customer support service of your bank at the phone number indicated on the back of your card.

Sending messages with a code to confirm payment is provided by the issuing bank (the bank that issued the card). Therefore, if you have not received an SMS, we recommend that you contact the issuing bank (the support phone number is indicated on the back of your card) and clarify information about sending messages.

After entering the card data and the appearance of the page with information about blocking the amount and the field for entering this amount, you need to call the card issuing bank, say that you are trying to make a payment on a Belarusian resource, and at present the amount in dollars should be authorized on the card USA up to 4 USD. After the bank employee names this amount, you need to enter it in the input field and complete the payment. You can enter the amount either separated by a comma or a period. You must enter not any amount, but exactly the one that our system has blocked for verification and will be called to you by a bank employee (in US dollars). Information about the amount of the blocked amount is available only to employees of the issuing bank, as well as the exchange rate of your card currency into US dollars.

The WEBPAY system does not charge commission when making a payment. However, we draw your attention to the fact that some banks may set a commission when making a payment on the Internet. We recommend that you clarify this information in the customer support service of your bank by calling the number indicated on the back of your card.

To cancel a payment, you need to contact the service provider and clarify the information about the cancellation. Or you can contact the Contact Center of the "Settlement" ERIP system by phone number: 141 or write to the email address and clarify information on canceling the payment.

The notification received is for informational purposes and only informs that the return was successfully carried out in the WEBPAY system. The term for crediting funds to the card depends on the issuing bank (the bank that issued the card). We recommend that you clarify the information on the timing of crediting funds to the card at the issuing bank.

Connected online stores / sites about the system "Settlement" ERIP

When connecting, it depends on you the period of testing the WEBPAY system, as well as the period for preparing a package of documents and bringing the site in line with the requirements. When everything is ready for connection, we transfer the documents to OJSC “Non-bank financial institution “ERIP”. To date, documents are considered within 2 weeks.

Connected online stores/sites about online acquiring

After we have received your application, the manager will contact you within a working day using the contact details specified in the application. If you have not been contacted after this time, call us at + 375 17 269 04 30 or write to the website

When connecting Internet acquiring, the site (online store) must comply with certain requirements that are established by the current legislation, the requirements of international payment systems and acquiring banks. You can check out the requirements here.

It is not required to open settlement accounts in Belarusian rubles in WEBPAY partner banks. Only in cooperation with OJSC "BPS-Sberbank" is it necessary to have a current account with this bank. For "Priorbank" OJSC and OJSC "Belagroprombank" it does not matter in which Belarusian bank a current account is opened.

You can issue invoices for clients through your WEBPAY personal account, and no additional technical settings are required on the site. If you plan to accept payments directly on the site, then you will need to configure the module (for example, the "basket" type) in accordance with the WEBPAY technical documentation.

When connecting, it depends on you the period of testing the WEBPAY system, as well as the period for preparing a package of documents and bringing the site in line with the requirements. When everything is ready for connection, we transfer the documents to the bank. As of today, the bank reviews the documents within 3-4 weeks.

The system ensures acceptance of payments by Visa, MasterCard and BELKART bank cards, regardless of the bank in which country of the world the card was issued. Please note that some banks may set a limit on the cards they issue for online payments.

Developers

Please check the data you are sending in the POST request. First of all, pay attention to the presence of required fields, the correctness of the transmitted links, as well as the amounts (it is allowed to use only two digits after the separator, "." or ",").

e-PAY™ accepts bank cards BELKART, VISA, MasterCard and Maestro.

Payment service e-PAY™ from home or office is economical, simple and available around the clock via the Internet.
Varieties of VISA and MasterCard bank cards that you can use to pay for services:

What you need to know about E-PAY.BY:

1. Commission for making a payment when using a bank payment card is 0%.
2. All payments are completely safe and the card number is not stored with us (data is transferred using up-to-date secure algorithms, encryption and data transfer protocols). This excludes any possibility of interception of confidential information. Data is transmitted in encrypted form and stored only on a specialized server of the WEBPAY™ system
3. Money is credited to the account as quickly as through a bank
4. Payments are made around the clock
5. List possible payments not inferior to banking

How to make a payment?

1. Pay in any bank without commissions

Forget about looking for a branch of a particular bank in order to make a payment in favor of an organization that is serviced by this bank. ERIP includes 23 banks of Belarus and RUE Belpochta. Therefore, you can pay through any bank, payment terminal or Belpochta branch - and ERIP will not take a commission.

Just be sure to specify whether the bank itself or the Service Provider to whom you are making the payment takes its additional commission for the type of payment you need.

2. No receipts

Payers from time to time complain that they are required to provide a receipt confirming the fact of payment for a particular service in the ERIP. So - no one has the right to demand this from you! Article 251, paragraph 4 Tax Code The Republic of Belarus and Decree No. 200 on administrative procedures are on your side! According to these legislative acts of the Republic of Belarus, payments made through ERIP do not require confirmation by paper receipts.

Just save the transaction number in ERIP, which will be displayed on the check. And that will be enough. The system stores information about all payments made.

And all instances that, in violation of the above-mentioned legislative acts, nevertheless require paper receipts from you, are obliged to check the completion of the corresponding payment themselves.

3. ERIP payer number

When paying through ERIP, the system automatically assigns you an absolutely unique number - the ERIP payer number. Save / write down this number for yourself and make all subsequent payments through it. Thus, your personal payment basket (personal accounts, contract and phone numbers, other data) will be gradually formed, the data on which the system will remember for 100 days and thereby significantly speed up and simplify the payment procedure.

To form a block of permanently paid payments, you must:

  • make a payment at a payment acceptance point. After the payment is made, the payer number in the ERIP will be reflected in the check;
  • enter the payer number in ERIP;
  • select the location of the service;
  • select a group (subgroup) of services;
  • select the service to be paid;
  • enter the information necessary to make a payment (for example, personal account, contract number, phone number, UNP, etc.).

This procedure must be done for each payment that you want to add to your personal payment base.

4 . Payment cancellation

If you made an incorrect payment, then call the ERIP Contact Center at 141 and inform the transaction number in the ERIP system, which is unique in itself and indicated on the receipt, find out if the recipient of the payment for this service provides the opportunity to cancel the payment made. You will be given the contact details of the organization in favor of which the payment was made, and you can contact them for clarification on the return of the transferred money.

5. Entering data when paying utility bills

Enter the readings of water meters or report them to the bank / postal operator at the very moment the payment for housing and communal services is made in the ERIP. At the same time, current meter data is needed - that is, those that you see on the meters themselves, and not water consumption. The system calculates the cost itself.

Instructions for entering data on water meters:

Step 1: Select a service in the ERIP tree “Utility payments AIS “Raschet-ZhKU”
Step 2: Enter the personal account number, check the payer's full name, address, payment period

Example:
Petrov Petr Petrovich

Minsk, July street, 10, apt. ten

Personal account: 0987654321

Date of submission of the requirement: 07/15/2017

Step 3: Information about the previous values ​​of the counter will appear on the screen. Enter the current meter value, not the actual water consumption over the past period.

Example:
Counter 1: Previous value: 110

Counter 1: Current value: 115

Counter 2: Previous value: 106

Counter 2: Current value: 108

ATTENTION! The screen does not display the amount of payment for the meters, since the entered data will be taken into account when calculating utility bills and included in the notification next month when calculating payment for the current period.

Example:
- total (BYN) 0

Total (BYN) 0

Accrued: 0 BYN.

The amount of payment payable for housing and communal services in the current period is displayed in the field:

Accrued/Recalculated: 50 BYN Amount.

The current value must be greater than the previous value!

Do not enter the value "0" (zero).

If you did not consume water in the reporting month, then do not enter anything. The system will calculate the average value for the last 3 months.

6. Payment by service code

If for some reason it doesn't work for you life hack #3, then you can pay by service code. Determine the list of services you constantly pay for and find out their codes.

How can I find out the service code? On the official website of the NCFO www.raschet.by in the section FOR PAYERS/Search by services and payments, or contact the contact center by phone number 141.

When paying in ERIP by service code, you must sequentially select:

Payment in ERIP by service code:

  • Enter code and pay

to the recipient of the payment to the organization to whose address the payment was made.

7. Secure payment for online purchases

Many have already bought something via the Internet at least once and remember their worries when requesting card data. The excitement is not superfluous - with all the achievements in ensuring security in online shopping, there are still enough cunning and dexterous scammers who use other people's data obtained on the Internet bank cards points for their own selfish purposes.

How to make purchases on the Internet and protect yourself from possible problems?
In order not to enter your bank card details when placing an order, you can pay for purchases using Internet banking through ERIP, simply using the order number that you receive when you apply online. These cards in Internet banking are already personalized, so the order number is sufficient when paying through ERIP. And the purchase is made, and your card details remain secret.

At the same time, in accordance with clause 1.10 of Decree No. 478 of December 1, 2017 “On the Development of Digital Banking Technologies”, you have the right to even demand that the online store be able to pay for purchases made through ERIP. Unless, of course, the company serving the online store is located in the Belarusian jurisdiction.

In 2015, Belarusians can use various systems to pay utility bills via the Internet. Users note many advantages of using such systems when paying for utilities, and they all boil down to a high level of comfort with remote access to a bank card.
It is important to remember until what date you need to pay utility bills. Regardless of how the client makes the payment, payments must be made no later than the 25th day of the month following the reporting month.

Via internet banking

Internet banking - electronic system servicing bank customers, namely plastic card holders .. This system exists in Belinvestbank, Belagroprombank, Priorbank, etc. Internet banking is convenient for both customers and banks themselves. With an increase in the share of transactions performed using this system, the daily and specific periodic load on bank branches, ATMs and payment terminals noticeably decreases. The widespread use of Internet banking in Belarus means that banks no longer need to increase the number of staff working in branches directly with clients, and to increase the departments of information technology and computer security.

Paying for utilities is one of the many reasons for mastering and using the Internet banking system in the Republic of Belarus. This procedure is carried out through the ERIP (single settlement information space). Although this system allows you to pay from anywhere in the world, and the only requirement is Internet access, the use of ATMs and payment terminals to pay for housing and communal services is also very popular.

In order to pay utility bills through Internet banking, you must:

  • Register in the system
  • Know the required personal accounts
  • Have the right amount on your bank card

When making a payment through the Internet banking system, no commission is charged.

Through PLATI.TUT.BY


PLATI.TUT.BY is a round-the-clock payment system that provides a high level of confidential information security. The creators of the system guarantee the prompt transfer of funds to their destination. No commission is charged for making payments through this system.

In order to pay utility bills through PLATI.TUT.BY, you must perform the following algorithm:

  • Go to the page of the payment system PLATI.TUT.BY
  • Specify the card number (the window for entering data is located in the upper left corner of the page). This action is recommended to be performed at the very beginning of working with the system, since the list of services for clients of different banks may differ.
  • Select the required locality (region).
  • Select the required service
  • Enter the necessary data for making a payment (personal account number, phone number, payment amount, meter readings, etc.)
  • On a secure page to which the system will redirect you, you must enter additional card information, as well as your phone number and email address.

Through E-PAY.BY


E-PAY.BY is a Belarusian electronic payment system for services. In addition to utilities, here you can pay for railway tickets, services of mobile operators, etc. Different limits and restrictions are set for different payments. A detailed list of limits can be found on the system's website in the "How to pay" section.

To pay utility bills through this system, you must follow these instructions:

  • Go to the site E-PAY.BY
  • Enter the bank card number from which payments will be made. This action is recommended to be performed first, because depending on the bank that owns the card, the list of available payments may differ.
  • Select the desired region or city
  • Select the service you would like to pay for
  • Enter the required contact (personal) details
  • After redirecting to a secure page, you will be asked for additional data electronic card and other confidential information

Regardless of which system you choose, before you pay your utility bills online, make sure you have all the necessary data to carry out transactions. If you are using a personal computer or laptop, make sure that your antivirus software's virus databases are up to date and that no one sees the confidential data you enter. If you use an ATM or payment terminal, make sure that there are no foreign elements on the device in general and on its screen in particular. For all questions that arise during the payment process, you can consult the information department of your bank.

While especially conservative Belarusians are afraid to pay on the Web and still queue at banks and post offices, others are actively exploring the Internet space, which confirms extremely fast growth online payments. About how much money Belarusians spend on the Web, is it safe, what services and goods can already be paid on the Internet and what kind of card is needed for this, director of WebPay LLC Ivan Yaruk told TUT.BY studio.

— Ivan, tell us about the WebPay company and what services it provides to its customers.

— WEBPAY™ system provides maintenance services financial transactions on the Internet, committed through plastic cards international payment Visa systems and MasterCard. We are the link between the seller and the buyer. And if the user decides to sell something on the Web, then we will accept the payment and the next business day we will credit the money to his account.

- It turns out that the user, having a card, for example, Visa Electron of almost any bank, can pay for certain services or purchases in stores connected to your system?

— In stores connected to the WEBPAY system, the user can use a card of any bank in the world and pay for goods, services, including communal payments through the ERIP system.

— To date, operations on the Internet with Visa and MasterCard bank cards are not supported by only one, the most big bank Belarus - Belarusbank. Bank representatives call this a temporary phenomenon - they are completing the implementation of 3D-Secure technology (designed to improve the security of settlements using banking Visa cards and MasterCard on the Internet), and in the near future, the holders of these cards will be able to pay for utilities presented in the WEBPAY system and posted on PLATI.TUT.BY.

- Explain to our users what ERIP is.

- ERIP is a single settlement and information space, payment system Belarus, intended for payment through the bank for services of state and municipal organizations, postal and electrical communication enterprises, and so on.

The organizer of the ERIP system was National Bank. It was created several years ago. For payment using bank cards on the Internet, it was introduced about a year ago, and PLATI.TUT.BY has been operating for about half a year.

— Do you use WebPay services yourself? How long and what exactly do you pay online?

— I pay utilities. To date, ERIP provides about 1,400 different services, including kindergarten fees. It will be very difficult to list the entire spectrum now - it will be easier to go to PLATI.TUT.BY and look there.

— How many Belarusians use the services of this service today?

— There are about 500-600 transactions per day. And in terms of the number of users - about 50-70 thousand people.

What is your growth forecast? What results do you already have for the current year? How much has the number grown?

— If we compare the first quarter of 2010 and the first month of the second quarter, then in general the growth in the WEBPAY system was 100%. Utility bills are steadily increasing monthly by 15%, there are also jumps. When it became possible to make payments on PLATI.TUT.BY, in the first month there was a noticeable jump of 80%.

- Is the commission charged when using the services of the WEBPAY system through PLATI.TUT.BY? Also, users are concerned about the issue of security when paying for services on the Internet.

- FROM individual commission is not charged. As for security, our company is annually audited by Visa and MasterCard regarding the security of the WEBPAY system. However, when it comes to security, you can never relax. We follow the development of electronic business in the world, we constantly improve our software, and also try to introduce something new.

“Can you say with certainty that today the system security level is 100%, or is the shield and sword race going on all the time?”

- No company in the world will give you a 100% security guarantee, including such giants as Visa and MasterCard. The confrontation between the shield and the sword is constantly present. Therefore, it would be wrong to say that someone's security is 100% unique. As you know, the Pentagon, and Washington, and NASA were hacked. Nobody is immune from this.

— How often are payments withdrawn in your system? What is it connected with?

- When paying for services, there are cases when the user mistakenly indicates the wrong phone number for which the payment was made. In a month there are about ten such cases, no more. As for commodity services, tourism and others, there are also cancellations. For example, a person bought an air ticket, but for one reason or another, the date was postponed, and he cancels the purchase. Travel companies have the opportunity to make a refund on their own. We try not to participate in this scheme, providing our customers with all the technical possibilities.

- Were there any cases of fraud? Did the stolen bank card numbers, for example, go through the database?

“Unfortunately, there are scams all over the world in e-commerce. For Belarus, e-commerce is still a fairly new direction, we also had isolated cases of fraud. In this case, we are trying, and so far we have been able to work quite quickly in such situations. If fraud is suspected, we transfer information on this fact to the Department “K” of the Ministry of Internal Affairs. As practice shows, all cases that somehow took place were brought to their logical conclusion.

- And in all these cases, users were not affected and in the end received all their cash back?

- If we talk about cardholders, then there are two options. If a person uses a bank card that uses the 3D-Secure system, then according to the rules of Visa and MasterCard, such a card has a password - this is a kind of PIN, like the one used in an ATM when withdrawing cash. You use the same password when making payments on the Internet. If a person transferred the password or information on his card to another person who used this information for personal gain, then in this case no one will return the money to the card owner.

If the card is standard, with one PIN-code, which is the main one in Belarus (today there is no bank in Belarus that would implement and could provide cardholders with such a PIN-code for payments on the Internet), then the money is returned to the owner.

So the user has no reason to worry. However, you must always keep your card with you.

— In the first quarter of 2010, the turnover of funds amounted to more than 1 billion rubles. What numbers can you name six months later? Is there a dynamic?

- For six months, the turnover of funds increased by about 110-120%. By the end of the year, it is expected to at least double growth. I do not want to promise, but perhaps it will be a five-fold increase. In any case, we will exceed our own record by at least 100%.

- What share of payments falls on services, and what share - on goods?

- Services account for 40%, and goods - 60% of payments. If we talk about the number of transactions, then they mainly pay utility bills, mobile communications, loans and deposits.

— What hinders the development process? We conducted a survey on this topic on the TUT.BY forum, and many said that not all services that one would like to pay for (for example, transferring money to an arbitrary settlement account of various companies) are on the Internet. They don't want to go to ERIP? But, as I understand it, it is possible to conclude an agreement with you?

Yes, the contract can be concluded directly with WebPay. But it is difficult to give an unambiguous answer as to why they do not apply. Legal entities (kindergartens, schools, cooperatives) are very actively applying to ERIP.

It may not have been possible to apply yet. But there is a dynamic - 10-20 new services appear monthly.

— How many services can be paid today throughPLATI.TUT.BY ?

- When paying for utilities - the list is about 1300 services. Also, another 140 legal entities are connected here, which provide a wide variety of goods and services. This is already connected directly to us, and when we make a payment, the money first goes to the Priorbank account, and the next day - to the account legal entity with which an acquiring agreement has been concluded.

— We would ask users who already use our service to send their wishes and suggestions about services to us by e-mail: [email protected]. It is much more convenient than standing in line at the cashier to do it without leaving your home, at any time of the day or day of the week, and in any weather. This service is very convenient. It is enough to try it once in order to understand this and believe that if you paid for services or goods via the Internet, then your money has really arrived at the required current account.

For users who are not yet payers on the Internet, I want to advise - do not be afraid, try it. Rumors that after you pay for services on the Internet with your card, it will be stolen from you are already outdated. I emphasize that the WEBPAY system does not store or collect card data. Payments are received directly and they are completely secure.