Where is the mastercard code. Bank cards Mastercard
There are two popular payment systems in Russia - Visa and MasterCard. There is a Russian payment system - MIR, but it is only gaining momentum and is not yet popular. People choose MasterCard cards for their convenience, safety and profitable terms service. MasterCard in Russia is one of the best payment systems. In this article, you will learn how it differs from other systems, as well as its advantages and disadvantages.
Payment system history
The idea of MasterCard cards dates back to the 1940s, when no cards existed yet. Banks issued securities that could be used to pay in special warehouses. In essence, these papers were monetary obligation that replaces real money. Nowadays, the essence of the system has changed somewhat, but the basic idea - MasterCard affects the need to carry real money with you, has remained the same.
In 1966, several large US banks created an association called the Interbank Card Association, which laid the foundation for the modern MasterCard cards. Since 1968, the system began cooperation with the Eurocard payment system. The name of the company "MasterCard" appeared only in 1979, and by 1980 more than 55 million cards had been issued.
MasterCard works around the world today, but it wasn't always that way. Until the 1980s, the system was used primarily in the United States. Only after that MasterCard began its expansion in the world. MasterCard cards reached the USSR only in 1988 and made a splash, although they were not very popular.
The payment system is owned by MasterCard International Incorporated. The main office is located in New York. At the moment, the system has almost 1 million points of service and covers all continents of the world and operates in 210 countries. The payment system processes up to 140 million transactions per hour, which allows it to process more than 23 billion transactions annually.
The current management of the company boldly looks into the future. The company regularly holds conferences at which it shares its vision of the future. MasterCard acts as a locomotive among all payment systems when considering the introduction of new technologies. Even Apple Pay in Russia, he initially started working with MasterCard cards, and only then with Visa cards. The MasterCard payment system pursues a strategy of completely abandoning the usual cards and switching to new technologies. For example, to chips in devices or even to confirm payments with a fingerprint. You must admit that you always have your phone with you, and there is no need to talk about the convenience of prints.
MasterCard in Russia
Russia is fully connected to the technologies of the MasterCard payment system. Some of the banks do not provide customers with the right to choose a card, automatically issuing MasterCard or Visa cards, but there are no restrictions on the distribution of MasterCard in Russia.
Most Russian banks that work with plastic cards work with MasterCard cards. You can pay by card in most places where cards are accepted. To do this, you just need to find the following icons on the terminal:
MasterCard accounts for 38.5% of all cards in Russia. The main office of the Russian division is located in Moscow in the Legenda business center at Tsvetnoy Boulevard, 2. To contact the company, you can use the official website or call hotline in Russian: 8 800 555-02-69.
How does the payment system work
Cards are used as a tool for quick access to money in the bank. Money can be either own or borrowed. A card with access to your own money is called a debit card, and a card with borrowed media is called a credit card. You need to contact one of the banks that works with this payment system if you want to receive a card. For example, you can contact VTB Bank, Sberbank, Alfa Bank and other Russian banks.
Types of cards
One of the most popular cards in Russia is MasterCard Standard. Many consider this card to be an initial card, but the MasterCard system has more simple card- Maestro.
MasterCard Standard is the "entry-level" among those MasterCard system cards that are suitable for daily full use and offer versatile opportunities. The card allows:
- Pay at all stores with the MasterCard logo;
- Pay for purchases online;
- Withdraw money from ATMs around the world;
All of these features satisfy the needs of most customers. But there are other cards in the system - of a higher or lower class. The simplest MasterCard is Maestro. Some people mistakenly attribute it to an independent type of payment systems, as they see the MasterCard logo and, separately, the Maestro logo on ATMs and payment points.
But this initial card belongs entirely to the MasterCard payment system. This division was made on purpose, since Maestro cards differ from all other MasterCard cards. These cards are subject to the following restrictions:
- There is no name and surname of the owner on the card;
- Not all payments are supported;
- Does not work in all ATMs;
Why connect such a “flawed card”? Using the Maestro Momentum Sberbank card as an example, we will analyze the advantages of Maestro initial cards versus MasterCard Standard cards:
As a rule, MasterCard Maestro cards are ordered by those who do not plan to frequently use a bank card. These cards can be in a convenient way receive a scholarship and withdraw it from an ATM. Often, these cards are opened to a bank account only in order to have convenient quick access to their money or access to the Internet bank.
For example, thanks to a similar Sberbank card called Maestro Momentum, you don't have to wait 7-10 days for the card to arrive. You can get your card at a bank branch and start using it on the same day.
There are higher tier cards, these include MasterCard Gold and MasterCard Platinum... These cards have higher limits and additional benefits. As a rule, such cards are distinguished by expensive service or high requirements for free service. Let's analyze MasterCard Standard / Gold / Platinum cards using the example of an offer from Alfa Bank. Initial cards (MasterCard Standard) offer their holder the following benefits:
MasterCard Gold cards provide the following benefits:
If you need even more options, then you need a MasterCard Platinum card. It has the following advantages:
You need to decide on your card requirements, as well as your capabilities, in order to choose the right card. All three cards support 3D-Secure technology. This technology significantly improves the security of online shopping. You can order as contactless card(PayPass) and classic, where you need to enter a pin code for any purchase. Cards with a chip and a magnetic stripe are available for you. The cards differ not only in their capabilities, but also significantly differ in the cost of service:
Standard | Gold | Platinum | |
---|---|---|---|
Release date | 3-10 days | 3-10 days | 3-10 days |
Issue cost | Is free | Is free | Is free |
Service | 113 ₽ per month | 499 ₽ per month | 3000 ₽ per month |
Balance per month for free service | From 30 000 ₽ | From 300 000 ₽ | From 3 000 000 ₽ |
ATM withdrawal limit per month | 300 000 ₽ | 1 250 000 ₽ | 5,000,000 ₽ |
Mobile bank | 69 ₽ | 0 ₽ | 0 ₽ |
Internet bank | 0 ₽ | 0 ₽ | 0 ₽ |
SMS informing | 79 ₽ | 0 ₽ | 0 ₽ |
Transfer via Internet bank | 0.3% of the amount (max. 150 ₽) | 0 ₽ | 0 ₽ |
Currencies | ₽ $ € | ₽ $ € ₣ £ | ₽ $ € ₣ £ |
MasterCard Standard cards include at least necessary services... You can purchase missing services, but you cannot increase the limits. A similar scheme applies to cards in other banks. Premium cardholders can count on personalized service as well as additional benefits.
There are 2 international payment systems in Russia: Visa and MasterCard. Their priority purpose of functioning is to transfer cash in the country to cashless turnover and improving the security of payments made. Let's figure out how VISA differs from MasterCard and which payment system is better.
VISA has American roots. The company's share in the card issuance market is about 28.6%. The greatest confidence in this system was recorded in North America (USA, Canada, Mexico), the least in Asian states (Thailand, India, China).
The corporation operates on its own unique security system VISA 3-D Secure. Its main goal is not only to increase the level of security when conducting transactions with card products, but also to simplify the system of servicing plastic via the Internet. VISA is constantly working to improve the confidentiality of customer information.
VISA system security
In general, the security system consists of 3 independent domains:
- Issuer (includes payment instruments and their sellers).
- Acquirer (includes a financial institution that issues plastic and its potential holders).
- Interactions (includes the elements needed to enable interoperability between other domains).
They generate and test each financial transaction... The VISA corporation entered the domestic market in 2009. Today she cooperates with all banks in Russia.
Description of the global MasterCard system
MasterCard unites over 20 thousand financial institutions in 210 states. Priority areas the activities of the corporation are:
- card issue under the MasterCard, Maestro and Cirrus brands;
- implementation electronic payments in online mode;
- servicing the card needs of individuals and corporations.
At the moment, the corporation's share in the card issuance market is 25%. MasterCard handles over 25 billion transactions annually.
MasterCard in Russia and in other countries
The use of the payment system in Russia is expanding every year. As of January 1, 2016, its share in the domestic non-cash settlement sector was 38.5%. The gap from VISA is decreasing every year. The Corporation actively cooperates with Sberbank, VTB 24, Russian Standard Bank and other market participants.
The greatest demand for payment system cards is in the EU countries, Brazil and China. The least trust in it is observed in the countries of North America, although the representative organization is located in the United States.
Comparison of global payment systems
So is there a difference between payment systems? If we compare the size of the market for non-cash payments, then Visa has a higher figure.
However, it was the VISA corporation that laid the foundation for the development of cashless payments.
The rest of the differences between payment systems are only theoretical in nature, therefore, in general, we can say that there is no fundamental difference between them. Most often, the VISA payment system is used to open payment instruments in dollars and rubles, and MasterCard is used in euros and rubles.
From here came the recommendation to issue a Visa to clients who travel to North America, and MasterCard - to those who carry out business and tourist trips to Europe. The link to the dollar or euro is conditional, since the current account of the plastic can be linked to any currency.
The conversion of funds on the account between global systems may differ, which is associated with the peculiarities of the card issuance market. It is widely believed among users of financial services that it is better to choose a Visa, as it is more reliable. In fact, in terms of the degree of reliability, the payment instruments of the MaxterCard system are in no way inferior to them.
Comparative analysis of payment systems
- By the degree of market coverage. MasterCard Corporation owns 25% of all cards issued in the world. For VISA, this figure is 3.5% higher. However, this gap is narrowing every year.
- On a territorial basis. Visa operates in 200 countries of the world, and MasterCard - in 210.
- By innovative development... The Visa Corporation has created the basis for the formation of non-cash payments in the world using ATMs and terminals. As for MasterCard, the organization has already developed according to the existing experience of a competitor, that is, it spent less financial resources on the development and implementation of innovations in the card issuance market.
- By the code used to conduct transactions on the Internet. If electronic transactions are carried out using a Visa card, then the secret code CVV2 is used, and for MasterCard - CVC2.
- By the level of recognition. Both international systems produce debit, credit and co-branded plastic.
- The speed of operations is approximately the same. Also, plastic has similar safety parameters.
- By the size of the annual service fee. On this basis, it is impossible to compare cards of payment systems, since tariffs are set by each bank independently.
- By the presence of virtual plastic. Both Visa and MasterCard have virtual cards. A payment instrument without a physical medium allows you to increase the security of making payments on the network. Moreover, it is impossible to lose it.
Are there any differences in system maps for different levels?
All plastic offered by issuers can be divided into 3 groups:
- group - initial segment cards (Visa Electron, Maestro, instant cards);
- group - middle segment cards (Visa Classic, MasterCard Standart);
- group - premium cards(Visa Gold, MasterCard Gold and others).
In terms of technical parameters, there are no differences between the plastic of the initial segment in terms of maintenance and the degree of safety. However, there are differences in theory. Firstly, when paying with a Maestro card, you do not need to enter a PIN. In fact, it all depends on the capabilities of the terminal. As a rule, in Russia you will have to enter an identifier both when making a transaction using Maestro and Visa Electron.
Secondly, Maestro cards cannot be used for transactions on the Internet. So, on instant plastic there is no secret code that must be entered when paying for goods or receiving services online. As for Visa Electron, such an opportunity can be provided by a bank.
Thirdly, instant cards of the MasterCard system cannot be used outside the country. This option is disabled for Visa Electron and Maestro cards, but it can be enabled for free at the issuing bank.
Fourth, there is a difference in service fees between the cards. As a rule, it depends on the bank's tariff policy. So in Sberbank, you can release Maestro social with a free annual service. As a rule, this plastic is provided for citizens receiving social payments... For Visa Electron, the annual payment is 300 rubles. These cards are mainly issued as part of a salary project.
There are no technical or theoretical differences in plastic of the middle level. Here each client must decide for himself which card is better. Possibilities for using payment instruments different systems outside the country are completely the same.
Significant differences appear for cards in the premium segment. Thus, the Visa Corporation for premium plastic provides the following additional services:
- emergency assistance outside the country on;
- medical support for travelers;
- providing legal advice;
- cardholder insurance;
- bonuses in the field of leisure, when organizing relocation, car and hotel rentals, etc.
With MasterCard cards of the premium segment, only an emergency help service and a customer loyalty program are provided. The rest of the options are connected at the request of the issuing bank. Naturally, they are paid, so not every player in the bank card market is ready to connect them. Hence, we can conclude that at the premium level, the Visa payment system shows more advantageous positions.
Each global system has its own advantages and disadvantages. However, the difference between them is so small, so it can be argued that the functionality of the MasterCard and VISA cards are the same.
Cashless payments are fast, accurate, transparent and hygienic. Bank cards are rapidly replacing paper money. It has ceased to be just a means of payment, it allows you to remotely manage accounts, receive cashback, discounts, and access to private events.
Sberbank offers its customers a line of plastic media, taking into account different needs, capabilities and wishes. Cards are presented from unnamed instant issuance with a minimum set of functions to privileged ones, the service of which provides personal advice on investments, twenty-fold cashback, and a multimillion-dollar overdraft.
Mastercard Standard from Sberbank combines all the demanded functions. How is it attractive? What opportunities are useful to know about?
What is this card?
The product works in the international payment system, which serves plastic, but does not independently release it, transfers this function to various banks.
Sberbank card MasterCard Standard performs the main tasks of the payment instrument:
- cashless payments at cash desks and in online stores in all countries;
- payment of taxes, fines, duties, utilities, cellular communication;
- transfers to individuals and legal entities;
- cash receipt.
From the MasterCard system, clients with standard plastic get the following opportunities:
- round-the-clock technical support in all countries;
- transfers within the payment system from minimum commission 1% (minimum RUB 25), regardless of the issuing bank; for RF important condition- both cards were issued on the territory of the country;
- cashback MasterCard Rewards;
- the possibility of transfers within the system without a commission to 17 countries without specifying the recipient's plastic number; it is enough to link cards to Odnoklassniki or Vkontakte accounts;
- incentives in the form of discounts on purchases in shops, cafes, entertainment establishments.
Additionally, holders of the MasterCard issued by Sberbank use:
- highly liquid "Thank you" cashback of at least 0.5% of the purchase amount (up to 30% within promotions);
- the possibility of contactless payment PayWave;
- a remote account in the Internet bank and a mobile application that provides full control and the ability to manage your accounts with Sberbank in real time.
Varieties of carriers in Sberbank
MasterCard distinguishes several levels among its products:
- Standart;
- Gold;
- 4 types of premium cards.
The standard one assumes a set of classic functions for comfortable non-cash payments and transfers in different countries.
Sberbank based on MasterCard Standart diversified a whole line of products. Clients can choose an offer that suits their situation.
This approach allows you to pay only for the options you need. Many people use the free version of the map.
Relevant offers:
- debit;
- credit - mass and pre-approved offer;
- Youth - debit, credit;
- - debit, credit.
Any card from the list can have an individual design.
Debit
MasterCard Standard is the most popular and demanded of debit cards participating in salary projects of commercial organizations. They were replaced by state employees with MIR in 2017.
Youth plastic has similar functionality to the base Standard, but is available at a discounted annual cost. It can be issued only up to 24 years old.
Momentum has the least capabilities, it is able to replace a wallet for customers whose expenses do not exceed 100 thousand rubles per month. The product is serviced free of charge.
Credit
Sberbank offers to issue a credit card on general or special conditions. Every citizen of the Russian Federation aged 21 to 65 years old can apply for MasterCard Standart on a massive offer. To obtain it is important that there are no negative events in credit history... The amount of the limit will depend on the confirmed income.
Instant cards are only available with valid approval.
They have simplified terms of issue compared to the rest of the classics. Between the ages of 21 and 30, it is not necessary to prove employment and income. A certificate from the university is enough. However, the limit will be minimal, usually 15 thousand rubles.
Existing clients of Sberbank can apply for special conditions getting a credit card:
- free service;
- reduced interest on the loan;
- increased card limit.
Most users of Sberbank services accumulate some positive history and receive a credit card offer before showing their own initiative.
Regardless of the terms of issue, credit cards:
- with non-cash payment, they have an interest-free installment plan from 20 to 50 days (depending on the date of payment);
- do not provide a grace period when withdrawing through an ATM, paying for gambling services;
- offer participation in the Thank you bonus program; the service is free, registration is required.
Conditions
Let's compare Sberbank MasterCard Standart cards:
Debit | ||||
---|---|---|---|---|
Standard | Youth | Contactless | Momentum | |
Service for the first year, rub. | 750 | 150 | 900 | Is free |
Service for subsequent years, rub. | 450 | 150 | 600 | Is free |
Additional card | Yes | No | Yes | No |
Validity | 3 years | |||
Currency | Ruble, US dollar, euro | |||
Re-issue in case of loss and change of full name, rub. | 150 | 250 | Issued free of charge new card linked to a new account | |
Cash withdrawal from ATMs of third-party banks | 1%, minimum RUB 100 | 1%, at least 150 rubles. | ||
Commission for cashing in excess of the limit | 0,5% | 0,75% | ||
Daily limit for cash withdrawal by card | 150 thousand rubles. | 50 thousand rubles | ||
Monthly maximum issue | RUB 1.5 million | 100 thousand rubles | ||
Monthly limit on payment for plastic | Not provided | 100 thousand rubles | ||
Full package price mobile bank, rub / month | 60 | |||
Age limit, years | From 14 | 14–25 | From 14 | |
Cash withdrawal in case of problems with the card abroad | Commission 6 thousand rubles. for each operation, maximum amount 5 thousand US dollars or the equivalent in another currency, within the limits of the balance on the card. | Is not provided |
Credit | ||||
---|---|---|---|---|
MC Standard pre-approved | Momentum | MC Standard Bulk Offer | Youth | |
Age, years | 21-65 | 21-30 | ||
Credit limit, thousand rubles | Up to 600 | Up to 300 | ||
For existing clients only | Yes | No | ||
Annual service according to the tariff, rub. | Is free | 750 | ||
Service in the first year for those who have issued plastic in 2018 | Is free | |||
Validity | 3 years | |||
Currency | Ruble, US dollar, euro | |||
Re-issue upon loss, upon change of surname, first name, rub. | 150 | Is free | 150 | |
Loan rate,% per annum | 23,9 | 27,9 | ||
Penalty fee,% per annum | 36 | |||
Issuance at Sberbank ATMs | 3%, at least 390 rubles. | |||
Cashing out at third-party ATMs | 4%, at least 390 rubles. | |||
Limits: | ||||
per diem, at Sberbank ATM, rub. | 50 thous. | |||
total per day, rub. | 150 thous. | |||
Emergency receipt abroad in case of problems with the card | Maximum amount of USD 5,000 or equivalent, limited by available funds. Commission 6 thousand rubles. | |||
Mobile bank | Is free |
The price of an individual design for any Standard is 500 rubles for the initial application and 450 for each subsequent application, for a re-release.
Service cost
The basic version costs 750 rubles per year, specific categories the bank offers preferential terms for its clients; an additional fee is charged for the possibility of contactless payment. Details in the table above.
Cash withdrawal limit
MC Standart Momentum has the smallest debit limit - 50 thousand rubles per day, 100 thousand per month. From the rest, you can withdraw up to 150 thousand daily, up to 1.5 million monthly. Cashing out in excess of the limits is allowed within the available balance with payment of a commission of 0.75% for Instant Plastic, 0.5% - for other debit cards.
Credit cards of Sberbank MasterCard Standard have no monthly limit, the daily limit is 150 thousand rubles. General credit limit set individually, depending on the confirmed income and banking history, for cards on the general offer it is limited to 300 thousand rubles, for pre-approved ones - 600 thousand.
Bonuses and discounts
And also Sberbank offers to connect the "Thank you" cashback. Points will be automatically accumulated on a separate bonus account with each card payment in shops, cafes, gas stations, hairdressers and other establishments. Minimum size 0.5% of the purchase. When paying with points, the course is 1 Thank you = 1 ruble.
The bank has a large number of partners who regularly hold promotions and award increased points. The list of companies and their offers changes frequently, check the Sberbank website for up-to-date information. In the program section Thank you for a few filters. Select your region.
The site introduces the participants, their rules, which of the partners accrues bonuses, in what amount, who accepts them for payment, on what conditions.
To participate, the client in a rather convenient way - through the Internet bank, mobile app or ATM - in the Thank you from Sberbank section:
- provide your phone number;
- confirm agreement with the rules.
The payment system has its partners, including cinema, restaurants, shops. They offer discounts for cashless payments. The official website of MasterCard provides an up-to-date list of shares. Holders receive discounts simply by paying with a card.
In addition to numerous high-quality household items, care products, toys and other things, the assortment is widely represented by certificates of chain stores and salons for different amounts. For example, Euroset 3000 rubles, Mediamarkt 5000, Children's world 1000 or 3000 rubles, Sportmaster, Adidas, etc.
How to get the
At any branch of Sberbank that works with individuals, you can apply for a registered MasterCard Standart. To issue a debit card, a passport is enough, in the case of temporary registration, also a certificate.
Considering the possibility of issuing credit plastic, employees analyze your solvency. If you do not receive a salary at Sberbank, provide a certificate of income.
You will be informed about the approximate production time of the card. On the day of her arrival at the department, you will receive an SMS notification, you can pick it up by presenting your passport. You will also be informed in case of a negative decision to issue a card.
You can pick up the unnamed Momentum on the day of contact. The debit card is issued within 10 minutes based on the passport. To issue a Credit Momentum, in addition to a passport, a valid pre-approval is required. The absence of a name on the front side of the plastic does not prevent payment via the Internet.
Pros and cons of the card
Among the advantages of Standard MasterCards, we note:
- the ability to pay for purchases in retail, online stores in most countries of the world;
- attractive cashback from Sberbank, as well as from MasterCard;
- discounts from partners;
- the presence of the basic MC Standart, as well as its varieties, calculated for different target audience;
- possibility free transfers between Sberbank clients, between MasterCard clients issued different banks in the Russian Federation, through social networks;
- minimum commission of 1% for transfers within the payment system, regardless of the issuing bank in the Russian Federation.
Disadvantages:
- impossibility of payment in Crimea;
- high interest rates on loan products.
Some of the properties of standard cards are perceived as disadvantages by some customers. We'll call them features and see what users say about them.