There are buy payments by bank. The procedure for paying utility bills through the air
While particularly conservative Belarusians are afraid to pay on the Web and still occupy queues at banks and post offices, others are actively exploring the Internet space, which confirms the extremely fast growth in the volume of payments on the Internet. About how much money Belarusians spend on the Web, is it safe, what services and goods can now be paid on the Internet, and what card is needed for this, director of WebPay LLC Ivan Yaruk told TUT.BY studio.
- Ivan, tell us about WebPay and what services it provides to its customers.
- The WEBPAY ™ system provides services for servicing financial transactions on the Internet made through plastic cards of Visa and MasterCard international payment systems. We are the link between seller and 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 a 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 the card of any bank in the world and pay for goods, services, including utility bills through the ERIP system.
- Today, only one of the largest banks in Belarus, Belarusbank, does not support Internet transactions with Visa and MasterCard bank cards. Bank representatives call this a temporary phenomenon - they are completing the implementation of 3D-Secure technology (designed to increase the security of payments using Visa and MasterCard bank cards on the Internet), and in the near future, these card holders will be able to pay for utility bills presented on the WEBPAY system and placed on PLATI.TUT.BY.
- Explain to our users what ERIP is.
- ERIP is a single settlement and information space, the payment system of Belarus, intended for payment through a bank of services of state and communal organizations, enterprises of postal and electric communications and so on.
The organizer of the ERIP system was the National Bank. It was created several years ago. It was introduced for payment using bank cards on the Internet about a year ago, PLATI.TUT.BY is valid for about six months.
- Do you use the services of WebPay? How long and what exactly do you pay on the Internet?
- I pay utility bills. Today, the ERIP provides about 1,400 different services, including a fee for kindergarten. The whole spectrum now will be very difficult to list - it will be easier to go to PLATI.TUT.BY and see there.
- How many Belarusians today use the services of this service?
- About 500-600 transactions take place per day. And by 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 figure grown?
- If we compare the first quarter of 2010 and the first month of the second quarter, then as a whole, according to the WEBPAY system, the growth was 100%. Utility payments monthly steadily increase by 15%, there are jumps. When it became possible to make payments on PLATI.TUT.BY, then in the first month there was a significant jump of 80%.
- Is the commission withdrawn 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.
- A commission is not charged from an individual. As for security, our company annually audits Visa and MasterCard regarding the security of the WEBPAY system. However, on the issue of security one should never relax. We monitor the development of electronic business in the world, constantly refine our software, and also try to introduce something new.
- You can say with confidence that today the level of security of the system is 100%, or is the shield and sword race ongoing all the time?
- No company in the world will give you a 100% guarantee of security, including such giants as Visa and MasterCard. The opposition of the shield and the sword is constantly present. Therefore, it will be wrong to say that someone's security is 100% unique. As you know, the Pentagon, and Washington, and NASA hacked. No one is safe from this.
- How often do payments in your system respond? What is the reason for this?
- When paying for services, there are times when the user erroneously indicates the wrong phone number for which payment was made. There are about ten such cases a month, not more. As for commodity services, travel and others, there are also cancellations. For example, a person bought a ticket, but for one reason or another, the date was rescheduled, 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 capabilities.
- Were there cases of fraud? Did the stolen bank card numbers pass through the base, for example?
- Unfortunately, in the field of electronic commerce there is fraud around the world. For Belarus, e-commerce is still a fairly new direction, we have had isolated cases of fraud. In this case, we are trying, and so far we have been able to work quickly enough in such situations. If fraud is suspected, we transfer information on this fact to the “K” Department of the Ministry of Internal Affairs. As practice shows, all the cases that one way or another took place were brought to their logical conclusion.
- And in all these cases, the users were not injured and as a result received all their money back?
- If we talk about card holders, then there are two options. If a person uses a bank card using the 3D-Secure system, then according to the rules of Visa and MasterCard, such a card has a password - this is a PIN, like the one used at the ATM when withdrawing cash. You use the same password when paying for 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 holder.
If the card is standard, with one PIN code, which is the main one in Belarus (today in Belarus there is still no bank that could implement and provide such card 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 figures can you name six months later? Is there any dynamics?
- For six months, the turnover of funds increased by about 110-120%. By the end of the year, at least double growth is expected. I do not want to promise, but perhaps it will be fivefold growth. In any case, we will exceed our own record by at least 100%.
- What is the share of payments for services, and which is for goods?
- Services account for 40%, and goods account for 60% of payments. If we talk about the number of transactions, then they mainly pay utility bills, mobile communications, loans and deposits.
- What holds back the development process? We conducted a survey on this topic at the TUT.BY forum, and many said that far from all the services for which I would like to pay (for example, transferring money to an arbitrary bank account of various companies) are on the Internet. They do not want to go to ERIP? But, as I understand it, can I conclude an agreement with you?
Yes, an agreement can also be concluded directly with WebPay. But about why they do not apply, it is difficult to give a definite answer. Legal entities (kindergartens, schools, cooperatives) are very actively contacting the ERIP.
Perhaps not everyone had time to turn. But there is dynamics - 10-20 new services appear monthly.
- How many services today can be paid throughPLATI.TUT.BY ?
- When paying for utilities - the list is about 1300 services. Also, another 140 legal entities are connected here that provide a wide variety of goods and services. This is already connected directly to us, and when we make the payment, first the money goes to the account of Priorbank, and the next day - to the account of the legal entity with which the acquiring agreement is concluded.
- We would ask users who already use our service to send their wishes and suggestions regarding services to us by e-mail: [email protected] . Than standing in line at the cash desk, it is much more convenient to do this without leaving your home, at any time of the day or day of the week or 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 really came to the necessary bank 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, they will steal it 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 safe.
The fact is that payment of utility bills by the service provider is the ERIP Settlement system. We recommend that you contact the ERIP Calculation Contact Center by phone number 141 or write to the email address[email protected] and clarify information on billed data.
The system provides acceptance of payments with Visa, MasterCard and BELKART bank cards; on e-pay.by/plati.tut.by resource, bank cards issued by banks of the Republic of Belarus and the Russian Federation are accepted for payment. But some banks may set a limit on their issued cards for settlement on the Internet. In this case, to get complete information about the possibility of making payments via the Internet using a card, you should contact the Customer Support Service of your bank by 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 service telephone number is on the back of your card) and specify information about sending messages.
After entering the card data and the appearance of a page with information on 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 dollar amount should be authorized on the card USA up to 4 USD. After the bank employee calls this amount, you need to enter it in the input field and complete the payment. You can enter the amount either as a comma or as a period. You must enter not any amount, namely the one that our system blocked for verification and the bank employee will call you (in US dollars). Information about the amount of the blocked sum is available only to the employees of the issuing bank, as well as the conversion rate of your card currency into US dollars.
WEBPAY system does not charge fees 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 the phone number indicated on the back of your card.
To cancel the payment, you must contact the service provider and specify the information on the cancellation. Or you can contact the ERIP Calculation Contact Center by phone number: 141 or write to the email address [email protected] and clarify the information on the cancellation of payment.
The received notification is informational in nature and only reports that the return was successful 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 clarifying the information on the timing of crediting funds to the card at the issuing bank.
Pluggable online stores / sites about the ERIP Settlement system
When you connect, the time for testing the WEBPAY system depends on you, as well as the time for preparing the package of documents and bringing the site in accordance with the requirements. When everything is ready for connection, we transfer the documents to the Non-Bank Credit and Financial Organization ERIP OJSC. To date, documents are reviewed within 2 weeks.
Pluggable Online Shopping / Internet Acquiring Sites
After we have received your application, the manager will contact you during the working day using the contact information 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]site
When connecting to Internet acquiring, a website (online store) must meet certain requirements that are established by applicable law, the requirements of international payment systems and acquiring banks. You can familiarize yourself with the requirementshere .
It is not required to open current accounts in Belarusian rubles in WEBPAY partner banks. Only in cooperation with BPS-Sberbank OJSC is it necessary to have a current account with this bank. For Priorbank OJSC and Belagroprombank OJSC, it does not matter in which Belarusian bank a current account is opened.
You can bill customers through your WEBPAY account, and no additional technical settings are required on the site. If you plan to accept payment directly on the site, then you will need to configure the module (for example, the type of "basket") in accordance with the technical documentation WEBPAY.
When you connect, the time for testing the WEBPAY system depends on you, as well as the time for preparing the package of documents and bringing the site in accordance with the requirements. When everything is ready to connect, we transfer the documents to the bank. To date, the bank considers documents within 3-4 weeks.
The system provides acceptance of payments by Visa, MasterCard and BELKART bank cards, regardless of which bank the card was issued in which country in the world. Please note that some banks may set a limit on their issued cards for settlement on the Internet.
To developers
Please check the data that you pass 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 (only two digits after the separator, “.” Or “,” are allowed).
16.11.2018
The fact is that payment of utility bills by the service provider is the ERIP Settlement system. We recommend that you contact the ERIP Calculation Contact Center by phone number 141 or write to the email address and clarify information on billed data.
The system provides acceptance of payments with Visa, MasterCard and BELKART bank cards; on e-pay.by/plati.tut.by resource, bank cards issued by banks of the Republic of Belarus and the Russian Federation are accepted for payment. But some banks may set a limit on their issued cards for settlement on the Internet. In this case, to get complete information about the possibility of making payments via the Internet using a card, you should contact the Customer Support Service of your bank by 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 service telephone number is on the back of your card) and specify information about sending messages.
After entering the card data and the appearance of a page with information on 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 dollar amount should be authorized on the card USA up to 4 USD. After the bank employee calls this amount, you need to enter it in the input field and complete the payment. You can enter the amount either as a comma or as a period. You must enter not any amount, namely the one that our system blocked for verification and the bank employee will call you (in US dollars). Information about the amount of the blocked sum is available only to the employees of the issuing bank, as well as the conversion rate of your card currency into US dollars.
WEBPAY system does not charge a fee 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 the phone number indicated on the back of your card.
To cancel the payment, you must contact the service provider and specify the information on the cancellation. Or you can contact the ERIP Settlement Contact Center by phone number: 141 or write to an email address and specify information on payment cancellation.
The received notification is informational in nature and only reports that the return was successful 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 clarifying the information on the timing of crediting funds to the card at the issuing bank.
Pluggable online stores / sites about the ERIP Settlement system
When you connect, the time for testing the WEBPAY system depends on you, as well as the time for preparing the package of documents and bringing the site in accordance with the requirements. When everything is ready for connection, we transfer the documents to the Non-Bank Credit and Financial Organization ERIP OJSC. To date, documents are reviewed within 2 weeks.
Pluggable Online Shopping / Internet Acquiring Sites
After we have received your application, the manager will contact you during the working day using the contact information 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 to Internet acquiring, a website (online store) must meet certain requirements that are established by applicable law, the requirements of international payment systems and acquiring banks. You can familiarize yourself with the requirements here.
It is not required to open current accounts in Belarusian rubles in WEBPAY partner banks. Only in cooperation with BPS-Sberbank OJSC is it necessary to have a current account with this bank. For Priorbank OJSC and Belagroprombank OJSC, it does not matter in which Belarusian bank a current account is opened.
You can bill customers through your WEBPAY account, and no additional technical settings are required on the site. If you plan to accept payment directly on the site, then you will need to configure the module (for example, the type of "basket") in accordance with the technical documentation WEBPAY.
When you connect, the time for testing the WEBPAY system depends on you, as well as the time for preparing the package of documents and bringing the site in accordance with the requirements. When everything is ready to connect, we transfer the documents to the bank. To date, the bank considers documents within 3-4 weeks.
The system provides acceptance of payments by Visa, MasterCard and BELKART bank cards, regardless of which bank the card was issued in which country in the world. Please note that some banks may set a limit on their issued cards for settlement on the Internet.
To developers
Please check the data that you pass 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 (only two digits after the separator, “.” Or “,” are allowed).
e-PAY ™ accepts bank payment 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. The 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 saved with us (data is transferred using the latest secure algorithms, encryption and data transfer protocols). This excludes any possibility of intercepting 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. The list of possible payments is not inferior to the banking
How to make a payment?
1. Pay at any bank without commission
Forget about looking for a branch of a particular bank in order to make a payment in favor of the organization that is serviced by this bank. The ERIP includes 23 banks of Belarus and RUE Belposhta. Therefore, you can pay through any bank, payment terminal or Belposhta branch - and ERIP will not take a commission.
Just be sure to check whether the bank itself or the Service Provider to whom you make 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 receive a receipt confirming the fact of payment of a particular service in the ERIP. So - no one has the right to demand this from you! Article 251, paragraph 4 of the Tax Code of the Republic of Belarus and Decree No. 200 on administrative procedures on your side! According to these legislative acts of the Republic of Belarus, payments made through the ERIP do not require confirmation by paper receipts.
Just save the transaction number in the ERIP, which will be displayed on the receipt. 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 required to verify the payment themselves.
3. ERIP payer number
When paying through ERIP, the system automatically assigns you a completely unique number - the ERIP payer number. Save / write down this number for yourself and make all subsequent payments through it. Thus, your personal basket of payments will be gradually formed (personal accounts, contract and phone numbers, other data), the data on which the system will remember 100 days and thereby significantly speed up and simplify the payment procedure.
To form a block of constantly paid payments, you must:
- make a payment at a payment collection point. After making the payment, the check will reflect the payer number in the ERIP;
- enter payer number in ERIP;
- choose the territorial location of the service;
- select a group (subgroup) of services;
- choose the service you need to pay;
- enter information necessary for making a payment (for example, personal account, contract number, phone number, UNP, etc.).
This procedure needs to be done for each payment that you want to add to your personal payment database.
4 . Cancel Payment
If you made a wrong payment, call the ERIP Contact Center by phone 141 and tell the transaction number in the ERIP system, which is unique in itself and is indicated on the check, find out if the payee for this service provides an opportunity to cancel the payment made. You will be informed of the contact details of the organization in favor of which the payment was made, and you can apply there for clarification on the return of the transferred money.
5. Data entry when paying utility bills
Enter the readings of water meters or report them to the bank / post office operator at the time of payment for the utility bills in ERIP. At the same time, current meter data is needed - that is, those that you see on the meters themselves, and not the water flow. The system itself calculates the flow.
Instructions for entering data from water meters:
Step 1: Select a service in the ERIP tree “Utility payments AIS“ Settlement-ZhKU ”
Step 2: Enter personal account number, check payer name, address, payment period
Example:
Petrov Petr Petrovich
Minsk city, July street, 10, apt. 10
Account: 0987654321
Requirement Date: 07/15/2017
Step 3: Information on previous counter values \u200b\u200bwill appear on the screen. Enter the current meter value, not the actual water consumption for 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 payment amount for the counters is not displayed on the screen, since the entered data will be taken into account when calculating utility bills and will be included in the notification next month when charging for the current period.
Example:
- according to the indications of all (BYN) 0
According to the testimony of all (BYN) 0
Accrued: 0 BYN.
The amount of payment payable for housing services in the current period is displayed in the field:
Accrued / Allocation: 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 for the last 3 months.
6. Payment by service code
If for some reason it doesn’t suit you life hack number 3, then you can pay by service code. Define a list of constantly paid services and find out their codes.
How can I find out the service code? On the official website of the NCFD www.raschet.by in the section PAYERS / Search for services and payments, or contact the contact center by phone number 141.
When paying in ERIP by service code, you need to consistently choose:
Payment in ERIP by service code:
- Enter the code and pay
the payee to the organization at whose address the payment has passed.
7. Secure payment for online purchases
Many have at least once bought something over the Internet and remember their worries when requesting card data. The excitement is not superfluous - with all the achievements in ensuring security during online purchases, there are still enough cunning and clever scammers who use the data of other people's bank cards obtained on the Internet 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 with an online application. These cards are already personified in Internet banking, so an order number is sufficient when paying through ERIP. And the purchase is made, and your card details are kept secret.
At the same time, in accordance with paragraph 1.10 of Decree No. 478 of December 1, 2017 “On the Development of Digital Banking Technologies”, you have the right to even require the online store to pay for purchases through the ERIP. Unless, of course, the company serving the online store is in Belarusian jurisdiction.
In 2015, Belarusians can use various systems to pay for utilities via the Internet. Users note many advantages of using such systems when paying for utility bills, and they all boil down to a high level of comfort with remote access to a bank card.
It is important to remember how much 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.
Through online banking
Internet banking is an electronic system for servicing bank customers, namely plastic card holders .. This system exists in Belinvestbank, Belagroprombank, Priorbank, etc. Internet banking is convenient for both customers and the banks themselves. With an increase in the share of operations performed using this system, the daily and specific periodic load on bank branches, ATMs and payment terminals is noticeably reduced. The widespread use of Internet banking in Belarus leads to the fact that banks no longer need to increase the number of personnel working in branches directly with customers, and to increase the departments of information technology and computer security.
Payment of utilities is one of many reasons for developing and using the Internet banking system in Belarus. This procedure is carried out through the ERIP (single settlement information space). Although this system allows payment from anywhere in the world, 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 for utilities through Internet banking, you must:
- Register in the system
- Know the necessary personal accounts
- Have the right amount on a credit card
When making a payment through the Internet banking system, no commission is charged.
Via PLATI.TUT.BY
PLATI.TUT.BY is a 24-hour payment system that provides a high level of security for confidential information. The creators of the system guarantee the prompt transfer of funds as directed. There are no fees 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
- Indicate the card number (the window for entering data is in the upper left corner of the page). This action is recommended to be performed at the very beginning of work with the system, since the list of services for customers of different banks may vary.
- Select the desired settlement (region).
- Choose the required service
- Enter the necessary data for the payment (personal account number, phone number, payment amount, meter readings, etc.)
- On the secure page to which the system redirects you, you must enter additional data about the card, as well as your phone number and email address.
Via E-PAY.BY
E-PAY.BY - Belarusian electronic system of payment for services. In addition to utilities, you can pay for railway tickets, mobile phone services, etc. Various 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 for utilities through this system, you must follow this instruction:
- Go to the website E-PAY.BY
- Enter the number of the bank card with which payments will be made. This action is recommended to be performed first, since depending on the bank to which the card belongs, the list of available payments may vary.
- Select the desired area or city
- Choose the service you want to pay
- Enter the necessary contact (personal) data
- After redirecting to a secure page, you will be asked for additional electronic card data and other confidential information
Regardless of which system you choose, before you pay for utilities via the Internet, make sure that you have all the necessary data for conducting operations. If you use a personal computer or laptop, make sure that the virus databases of your antivirus software are updated and that no one sees the confidential data you enter. If you use an ATM or payment terminal, make sure that there are no extraneous elements on the device in general and on its screen in particular. For all questions arising during the payment process, you can consult the information department of your bank.
HOW TO PAY
Payment is made via the Internet in real time immediately after placing the order.
To carry out a financial transaction, you can use cards of international systems VISA (all types), MasterCard (including Maestro) issued by any bank in the world, including those issued by Belarusbank JSB, as well as BelKART system cards issued by Belarusbank JSB.
About the procedure of payment by BELKART cards of JSC “ASB Belarusbank”
* CVV2 / CVC2 is a three-digit control number that is printed on the back of a bank card. This number is usually printed in the upper right corner of the special signature strip. Entering a number is necessary to make sure that the card is used by the current owner.
When choosing payment using a bank card, payment processing (including entering a bank card number) is performed by ASSIST Electronic Payment Company LLC using the ASSIST electronic payment system hardware and software package, which has passed international certification. The system that ensures payment security uses special technical measures to transfer confidential information from the client to the server. This means that confidential payer data (card details, registration data, etc.) do not go to the online store, their processing is completely protected, and no one can get personal and bank data of the client. In addition, when processing payments by bank cards, the secure 3D-Secure technology is used, which is required by the international payment system VISA and MasterCard.
To pay in this way:
1. After clicking on the “Pay” button, the system will direct you to the website of the electronic payment provider belassist.by, which ensures the security of payments. The authorization server establishes a connection with the Buyer using the secure TLS protocol and receives from the Buyer the parameters of his bank card (card number, card expiration date, card holder’s name in the transcription as indicated on the bank card, as well as CVC2 or CVV2 number indicated on the back of the card). The online credit card payment transaction is completely confidential and secure.
2. Enter the required data:
Choose a paid service: Internet (byfly, ZALA, Maxiphone, Smart Home), Phone
Select: Your region
Enter the requested information: phone number, contract number, etc.
Enter (or confirm): payment amount
Enter payer details: Name, Surname, email address (E-mail) for receipt of payment
3. Your personal data and card details are entered not on the page of our website, but on the authorization page of the payment system. They are accessed using the TLS secure data transfer protocol, and Verified by Visa and MasterCard SecureСode secure internet payment technologies are also used.
We accept payment cards of Visa International, MasterCard and Belkart payment systems of all classes and banks. We recommend that you contact your bank in advance to make sure that your card can be used for payments on the Internet.
- there are not enough funds on the card to pay for the order;
- the bank that issued the Buyer's card has set a ban on online payments;
- bank card data entry timed out;
- the entered data was not confirmed by you on the payment page, data format error, etc.