MultiKarta

MultiKarta ─ one of the Russian processing companies providing a full range of processing services for banks and trade and service enterprises.

MultiKarta LLC:

• certified as a third-party processor and personalizer in international payment systems Visa Int., MasterCard Worldwide;
• licensed by Diners Club Int international payment systems. and American Express for technological support of transactions using bank cards.

Performance indicators

2019:69% increase in net profit to RUR 606 million

On March 23, 2020, MultiKarta announced that in 2019 it increased the number of terminals serviced by 50% to 302 thousand units. The number of bank cards increased by 36% to 57 million units, the number of ATMs - up to 22 thousand units, an increase of 5% over the year. Card transactions grew 64% over the year to 4.6 billion customer transactions. The peak load on the company's processing systems amounted to 26 million operations per day. At the same time, the average availability of processing systems remained at 99.97%. The company's net profit increased by 69% compared to 2018 and amounted to 606 million rubles.

One of the key drivers of growth in the company's business performance was an increase in transactional load and the number of POS terminals serviced. Separately, the popularity of payments with bank cards on turnstiles in the metro was noted - the number of operations is constantly growing, every day the system records hundreds of thousands of passes.

In 2019, the company implemented a number of major projects:

• Together with VTB, a solution for acquiring turnstiles at all stations of the Moscow metro was launched, and zonal fares for travel to the MCD were introduced as part of the development of transport processing.
• The transfer of the Bank's ATM fleet to the MultiCard service has been completed.
• The Mobile Acquiring project was implemented to process bank cards in mobile POS terminals of Russian Post couriers.
• An integration project with the Post Bank anti-fraud system was implemented.
• Post Bank is connected to the Mir Pay payment service.
• Payment in VTB online acquiring has been implemented using Samsung Pay and Google Pay services.
• The possibility of paying fines in the Moscow Parking mobile application has been implemented.
• Received the status of the official processor of the Union Pay International system.
• Tokenization services (Apple Pay and Garmin Pay) have been implemented for cardholders of VTB Belarus Bank.
• A project has been opened to connect VTB Armenia Bank to MultiCard, etc.

MultiMaps monitoring systems allow you to quickly monitor the state of all processing facilities, and the platform is represented by two sites - in Moscow and St. Petersburg, which operate 24/365, synchronized in real time, have high disaster tolerance and high availability. In 2019, a situation center was put into operation, the operators of which monitor the operation of sites online, promptly respond to any incidents, thus ensuring the uninterrupted business processes of their clients.

History

2022

Obtaining the status of TPP service "SBP"

The multicard was TPP (Third Party Processor) of the Fast Payment System of the Bank of Russia, which will allow the company to connect banks to the SBP service. The task of TPP - a third-party processor - is to ensure information and technological interaction of banks with the National Payment Card System (NSPK), which is the Operational Payment and Clearing Center of the SBP. Multicart announced this on June 21, 2022.

Banks connected to the service will be able to offer their customers to use. mobile application SBPei It is intended for non-cash payment of goods and services retail in or online stores using all payment methods supported in the SBP:, QR code payment link, "pay" button on the site, etc. Especially interesting is the QR code payment function, which allows you to make instant payments using those that are not smartphones equipped with a special chip for NFC contactless payment.

In addition, SBPei is the official domestic payment service developed by the Bank of Russia. Its functionality is much wider than conventional pay services, which do not support payment using QR codes and use the data of linked bank cards. While all payments to the SBP are made directly from the bank account of the application user. Comfort and security Fast payment systems are expected to attract more enterprises and credit institutions, creating a stable payment infrastructure with a wide geography.

Participation in such a large-scale and weighty for countries project Multicard is of particular importance. The importance of the Fast Payment System and its mobile application is difficult to overestimate - this is one of the driver products of the Central Bank and the National Payment Card System, which guarantees users security, low fees, maximum convenience and speed of operations. Due to the participation of all banks in the country, SBPei will become widely available to Russians. Therefore, it is natural that the Central Bank obliged all credit organizations to provide customers with the opportunity to use the SBP mobile application by July 1. And we plan not only to provide banks with technological support when connecting to the service, but also to systematically expand cooperation with the SBP in other areas, - said the Boris Krivoshapkin head of the sales department of Multicard.

Inclusion in the register of IT organizations

T1 On June 14, 2022, the Multicart (part of the Group) announced that it was included in the register of accredited organizations IT. Ministry of Digital Development, Communications and Mass Media of the Russian Federation This will allow the company and its employees to apply for state support measures, including a deferral from service in, armies simplification of employment of foreign specialists, etc.

State accreditation may be obtained by the Russian organizations carrying out activities in the field of information technology, namely the development software and/or performance of work on adaptation, modification, installation, testing and maintenance. ON The initiative is designed to preserve valuable human resources and support the development of IT in industries Russia general.

We work in all areas that are somehow related to the implementation or maintenance of IT solutions and processing operations, so the inclusion of Multicard in the list of IT companies of the Ministry of Digital Science was natural. The acceleration of the development of the information technology sector in Russia for 2022 is especially important, and active state support for this is confirmed. The digitalization of business significantly increases its efficiency - this applies to both small companies and huge state corporations. Thus, the progress of IT significantly affects the growth of the economy, and we plan to expand our participation in it in 2022, - said Dmitry Podolsky, CEO of Multicart.

2021: T1 Group became the owner of MultiCard

On October 13, 2021, the T1 Group informed TAdviser that it had acquired a 100% stake in MultiCard LLC.

The transaction between T1 Group and Post Bank, which owned 100% of Multicarta LLC, was closed on October 1, 2021. The company was valued at 1.9 billion rubles.

As of October 2021, MultiCard serves more than 50 Russian and foreign banks, with processing availability at 99.99%. The processing center, which has 100 million cards in its authorization database, processes more than 6 billion transactions a year. MultiKarta also acts as a service company, providing not only processing, but also maintenance for 20,000 ATMs, about 1,000 ADM devices and 350 thousand POS terminals.

The product portfolio of the T1 Group will include MultiCard services, in particular, processing, acquiring, and servicing ATMs and terminal equipment. First of all, they can be in demand by customers from the financial sector, retail and the transport industry.

The development of "MultiMap" will take place in two directions. The first is the expansion of cooperation with VTB Group, in particular, the provision of processing services for subsidiary banks in other countries and participation in the process of creating, launching and scaling products and services by joint teams of VTB representatives from business, functional lines and IT with partner vendors. The second important task will be the development of the company as a market player, which involves the provision of processing and service services to banks, as well as the use of accumulated competencies in segments (marketplaces, retail, transport industry).

The purchase of MultiCard will allow T1 Group to enter new niches and occupy high market positions in the segment of technological services for payment operations. For MultiMap, working in a large Group is an opportunity to develop and strengthen its competencies, products and services through synergy with other areas of the Group's activities. For our customers, expanding the range of IT services and solving various business problems with the help of one technological partner, and this is the approach that is the implementation of our client strategy. noted Sergei Solovyov, CEO of T1 Group.

2019

12% of purchases on VTB cards and Post Bank were made using Pay services

In 2019, 12% of all card purchases were made using Pay services. Such data were obtained thanks to a study by the MultiCard processing company. More than 30 Russian banks (including VTB and Post Bank) to which it provides processing services were analyzed. At the end of 2019, the share of purchases that fall on the traditional method of payment by card amounted to 88%, and the share of purchases using contactless payments - 12% (+ 6% by 2018).

According to the study, in 2019, on average, about 180 million transactions were made monthly. The total number of transactions for the year increased by 78% - from 1.2 billion in 2018 to 2.2 billion in 2019.

The top 5 cities, where they most often paid by non-cash, included Moscow, St. Petersburg, Novosibirsk, Irkutsk and Yekaterinburg. In comparison with last year, Yekaterinburg became a newcomer, displacing Barnaul to 6th place.

The shares of cards of leading payment systems in customer transactions were distributed in almost equal shares: Mir - 28%, and Mastercard and VISA - 36% each.

The top 6 categories in which Russians made purchases are as follows: "supermarkets, grocery stores" - 41% of the total number of transactions, "fast food" - 6.9%, "shops selling alcoholic beverages" - 3.7%, "service stations" - 3.6%, "pharmacies" - 3.5%, "restaurants" - 2.9%. At the same time, the most significant increase in transactions compared to 2018 occurred in the fast food category (+ 107%). The average check for purchases changed slightly over the year (decreased by 12%) and amounted to 812 rubles.

Multicarta became a shareholder of Technoserv

In August 2019, Technoserv had a new shareholder - the Multicart company. According to the Kontur. Focus database, it acquired a stake of about 10% in Technoserv Group, which, in turn, is the founder of a number of integrator legal entities. Read more here.

2018

Post Bank became the sole owner of the MultiCard processing company

In November 2018, Post Bank became the owner of 100% of the processing company MultiCard LLC as a result of the acquisition of a share from VTB Bank in the amount of 25.33% of the authorized capital. Previously, Post Bank owned a share of 74.67% of the authorized capital of MultiCard LLC.

"Post Bank is one of the key clients and consumers of MultiCard services and products. The development of the bank requires a large number of innovative technological solutions and projects that the bank will implement together with MultiCard. In this regard, it was decided that Post Bank would exercise operational management and control over MultiCard. According to the results of 9 months of 2018, the profit of MultiCard amounted to more than 300 million rubles. In the commission income of Post Bank, the share of MultiCard is just over 1 billion rubles, "said Natalia Strokun, member of the board, financial director of Post Bank

.

Revenue growth for the first half of the year by 23% to 1.9 billion rubles

According to the results of the first half of 2018, the revenue of MultiCard increased by 23% to 1.9 billion rubles compared to the same period last year. The number of bank cards serviced by MultiCard increased almost 2 times to 38.3 million units, and the number of serviced terminal devices - 2.3 times to 155 thousand units.

2017

Revenue - 3.2 billion rubles

The company's revenue amounted to 3.2 billion rubles, profit - 280 million rubles. The number of bank cards serviced by Multicart has more than doubled, to 30 million.

One of the key drivers of growth in the company's business performance was a large-scale increase in the issue of Post Bank cards (from 1.5 million units in 2016 to 5 million units in 2017), as well as cards of participating banks in VTB's sponsorship program on access to payment systems. The number of processed card transactions increased by 60%, to 1.6 billion client transactions.

Among the largest projects implemented by the company in 2017 are the launch of a ticket purchase service on the website and in the mobile application of Russian Railways using technologies Apple Pay and MasterPass, issue support, maps "Mir" technology connection Google Pay for Samsung Pay Post Bank, the development of a platform for international transfers from card to card on the VTB Bank website, sending notifications about payment card transactions in. messenger Viber

""Multicarta "demonstrates progressive development, we completed the five-year cycle with excellent results. The number of cards served during this period increased 15 times - from 2 to 30 million units, the number of ATMs - 2.5 times, up to 20 thousand devices, POS terminals - more than 3 times, up to 70 thousand units. Growing business volumes allow us to occupy one of the leading positions in the Russian processing market. Plans for the next 5 years are no less ambitious. We will develop the competence of the fiscal data operator, provide customers with comprehensive processing services, maintenance of terminal networks, analytics of consumer behavior, develop mobile applications and not only, "said the general director of Multicarta [Sviridenko Kirill]].

Visa Secure Service Provider Register

The MultiCard processing company (a subsidiary of VTB Bank) was included in the register of participants who support secure technologies. Among such technologies are Visa Verified (VbV), tokenization service (VTS), which allows you to replace confidential information about a payment card with a unique digital number, protection of information on transactions of payment card holders (P2PE), the world standard for transactions on bank cards with a chip (EMV).

The number of processed authorizations for the year reached almost 1 billion

At the beginning of 2017, the MultiCard processing company had more than 13 million bank cards on service, which is 2 times more than at the beginning of 2016. The number of processed authorizations for the year reached almost 1 billion, the number of serviced devices (ATMs and POS terminals) exceeded 55,000 units. The customers of the processing company are about 5,000 e-commerce enterprises.

2016

In 2016, with the assistance of MultiCard, projects such as the launch of Samsung Pay and Apple Pay mobile services in Russia, money transfers on Odnoklassniki and VKontakte social networks were implemented. Also, with the support of the processing company, payment for travel by bank card on the Moscow Central Ring was provided. MultiCard, together with VTB24 Bank, within the framework of the ATM-Self-Service Office project, launched the first hybrid device in Russia to replace the traditional bank cash desk.

MultiCard confirms PCI DSS and Visa compliance

The MultiCard processing company (part of the VTB Group) passed an annual audit in November for compliance with the requirements of the international standard for the protection of information in the PCI DSS payment card industry .

The company also passed an annual audit to comply with the security requirements of the international payment system VISA, as a result of which it confirmed the status of a certified vendor for the personalization of cards with a microprocessor and magnetic stripe (Card Personalizer - IC, Magnetic Stripe).

Service for using the MPI module for service providers

The MultiCard processing company launched a service for service providers in the summer of 2016 to install and maintain the Merchant Plug-In (MPI) software module, which provides identification of VISA cardholders/in MasterCard accordance with the mandatory requirements of the 3-D-Secure protocol. This service was developed as part of the development of Internet acquiring programs for partner banks.

Service for trading companies

In the spring of 2016, MultiMap launched a service for its customers, which is a "universal showcase" of acquiring instruments. This service is based on the software product TranzWare Merchant Portal from Compass Plus.

Within the framework of the project, it was possible for retailers to perform analytical functions, including viewing transaction logs and reports, as well as the ability to independently block the terminal without contacting the bank, cancel operations and return goods. The system uses flexible configuration of access rights and allows you to distribute authorizations when working with the system, both between trading companies within the bank and between employees of the enterprise.

A distinctive feature of the system is its ease of use due to the presence of a modern and customizable web interface, as well as a wide range of tools for integrating the system with third-party applications.

2015

As of February 2015, it is a subsidiary of VTB.

Results of the year

As of January 2016, the number of serviced devices (ATMs and POS terminals) exceeded 40,000 units, the number of processed authorizations for the year amounted to more than 1 billion, with a peak load of about 5 million authorizations per day, and the number of payment cards serviced in the company's database reached 6 million, which is 1.6 times more than in 2014. As of January 1, 2016, more than 4,000 e-commerce enterprises were in service at MultiCard.

Among the key projects implemented by MultiCard in 2015 was the integration project with the operational and payment clearing center of the National Payment Card System and the transfer to the processing center NATIONAL PAYMENT CARD SYSTEM of Russian traffic using cards of international payment systems.

MultiKarta also successfully implemented an automated cash management service using a software and hardware complex designed for automated reception, recalculation, authenticity verification and storage of large volumes of cash.

In 2015, MultiKarta actively developed cooperation with major banks, including VTB24 bank: the company introduced a software package to automate the management of VTB24 terminal networks, and also implemented a bank project to launch self-service terminals.

In December 2015, the processing company successfully passed an annual audit for compliance with the requirements of the international standard for the protection of information in the PCI DSS v.3.1 payment card industry. The project also successfully completed the audit of MultiCard for compliance with the PCI PIN Security Requirements v2.0 standard.

"Multicart" fell under US financial sanctions

On December 22, 2015, it became known about the expansion by the US Treasury of sanctions lists against Russian individuals and legal entities. Under the extended sanctions, the United^[1] introduced^[1]

In the context of the ongoing conflict between the Russian Federation and Ukraine, the US financial department has expanded the sector of impact on the IT market in relation to Russian and Crimean companies. The updated "black list" includes a number of banks, including VTB's subsidiary, the Multicarta processing company, enterprises of the military-industrial complex. In total, the list contains 34 individuals and legal entities.

The press release of the department indicates that the list, among other things, includes organizations in which 50% or more belong to Sberbank, Rostec and VTB, which previously fell under US sanctions. Sberbank is the owner of a 75% stake in the Yandex.Money service.

On December 21, 2016, the EU authorities decided to extend sanctions against a number of legal entities and individuals in Russia for another six months.

2014

Over the year, more than 1 billion authorizations were processed

According to the results of 2014, the processing company MultiKarta showed an increase compared to 2013. The company added from 10% to 50% in key indicators for itself - the number of processed authorizations and serviced devices.

In 2014, MultiCard processing centers processed more than 1 billion authorizations, which is one and a half times higher than in 2013 (643 million authorizations). The total number of enterprises providing Internet acquiring services increased by 12% compared to 2013 and exceeded 4,500 units. The number of ATMs serviced rose to 13,800, up 10% from 2013, and POS terminals serviced by 14% to close to 30,000.

The key direction of the company's development remains the improvement of the quality and reliability of the services provided, the development and implementation of new products, as well as the development of client services. As part of the order of the Central Bank of the Russian Federation, in the first half of 2014, MultiKarta implemented a number of projects to build inter-bridge connections. In particular, an interhost connection was established with one of the processing centers of the ORS Payment System, operated by the United Settlement System NPO, and MultiCard received the status of the Operational and Payment Clearing Center of the ORS Payment System.

Other projects successfully implemented by MultiCard since the beginning of 2014 include technological support for the VTB24 project to implement mPOS technology in the trading acquiring market; launch of a new mobile application for searching for VTB Group ATMs; ensuring the launch of the new Online Bank - iBank Online service system, as well as participation in the project to develop the railway ticket sales system through transaction self-service terminals.

One of the main projects for the company in 2014 was participation in the creation of the MultiCard payment system (PS). The decision to implement this project was made as part of the implementation of the recommendation of the Central Bank of the Russian Federation on the organization of interbank interaction interfaces between banks of the Russian Federation. The operator of PS MultiCard was VTB 24 Bank (PJSC), the functions of the settlement center are carried out by VTB Bank OJSC, and the operating and payment clearing center is the processing company MultiCard.

No less significant was cooperation with the United Settlement System (OPS) payment system. The result of the joint work was the connection of the VTB 24 Bank (PJSC) network of devices to the PS ORS within the framework of the built inter-bridge connection of the MultiCard processing center and one of the processing centers of the system. In the joint project, MultiCard acts as an operator of payment infrastructure services. In turn, the participants of the PS ORS got the opportunity to service MultiCard partner banks at ATMs. The combined ATM network of the payment system today exceeds 40,000 devices.

An important area in 2014 was the development of mobile online services. The mobile geolocation application for Windows mobile devices was improved and released to search for ATMs with services of interest to the user. To date, the application displays more than 15,000 ATMs of VTB Group in Russia and the CIS.

MultiCard is actively developing payment technologies. The company became a technology partner of VTB 24 Bank in the project of introducing mPOS technology as part of the bank's acquiring project.

Growth of processed authorizations in the first half of the year by 1.5 times

In the first six months of 2014, over 383 million authorizations were processed by the company's processing centers, which is one and a half times higher than last year's similar result. In 01.07.2014, the number of ATMs serviced exceeded 13.8 thousand units, the network of POS-terminals has more than 26.6 thousand devices, and the total number of Internet acquiring enterprises on service in MultiCard is more than 4,000 units. Since the beginning of the year, 7 banks have joined the MultiCard processing center as part of the sponsorship program of VTB Bank, and cooperation agreements have been signed with five more banks.

2013

643 million year-end authorizations

In 2013, over 643 million authorizations were processed by the company's processing centers, which is 22% more than the results achieved a year earlier. In 2013, the number of ATMs served by the MultiCard increased by more than one and a half times and amounted to 12,600 in 01.01.2014. The number of POS terminals increased by 40% to 24,300 devices. Thanks to the consolidation with the processing company TransCreditKart, the direction of Internet acquiring demonstrated the greatest growth dynamics. At the end of the year, the total number of Internet acquiring enterprises servicing MultiCard increased more than tenfold and exceeded 4,000 units.

VTB has completed the merger of MultiCard and TransCreditCard

VTB Group announced in September 2013 the completion of the reorganization of MultiCard LLC in the form of the merger of TransCreditCard LLC. This is the largest project in Russia to unite processing companies. The combined company continues its work in the Russian market for processing services under the MultiCard brand.

By consolidating its business, MultiCard significantly strengthens its position as one of the largest processing companies in Russia. Today, the company's clients are more than 60 banks, including VTB Group banks and independent financial market participants. MultiCard processing centers process about 1 billion transactions per year, the company serves over 10 thousand ATMs, more than 30 thousand POS terminals (including unique equipment for the needs of Russian Railways), and the volume of issued and serviced cards exceeds 4 million.

The merger took place as part of the integration of TransCreditBank into VTB Group. The legal accession of TransCreditBank to the VTB24 is scheduled for November 2013. At the same time, clients of large and medium-sized businesses are transferred for service to VTB Bank, and clients of small businesses and individuals are transferred to VTB24.

Within the framework of this project, MultiCard provided maintenance of TCB cards in the combined VTB24 network while maintaining the main additional services; a unified operating scenario for VTB24 and Transcreditbank self-service devices was implemented and tested; Regional separation of payment recipients was carried out, as well as their dynamic mapping in accordance with the rating. Along with this, the technological readiness of P2P-transfers between maps of the combined network was ensured.

Increase in the number of authorizations in the first half of the year by 10%

As of 01.07.2013, over 255.8 million authorizations were processed by the company's processing centers, which is 10% more than achieved a year earlier. The volume of processed operations increased by more than 18% compared to the 1 half of 2012 and exceeded RUB 494.1 trillion.

In the first half of 2013, MultiMap focused on developing and implementing new products for its customers. Among the projects implemented is the technological support of VTB Bank in the acquiring project using MasterCard PayPass technology, within the framework of which the reception of these contactless cards has begun in all supermarkets of the Seventh Continent chain.

Continuing the implementation of the strategy aimed at providing high-quality and in-demand services and services, MultiCard completed a number of projects aimed at supporting the business of its clients in the second quarter of 2013. Among them - the implementation of the service for changing the PIN-code by the Bank's cardholder at ATMs VTB Kazakhstan and VTB Azerbaijan, as well as a number of sponsored banks; implementation of the service for obtaining a PIN-code by the cardholder in an SMS message for partner banks; implementation of Verified by Visa technology for Leto Bank cards.

Also in the first half of 2013, MultiCard became a technological partner of VTB Bank in the MasterCard PayPass acquiring project, within the framework of which these contactless cards were accepted in all supermarkets of the Seventh Continent chain. During the preparation and implementation of this project, MultiCard carried out technological support, including certification in the payment system, integration with the cash solution and testing.

2012: Number of customer banks exceeds 60

The number of MultiCard customer banks exceeded 60, of which more than 50 are independent participants in the financial market. Among the new clients are the retail project of VTB Group Leto-Bank, VTB Azerbaijan and other banks.

During the reporting period, the company's processing centers processed over 500 million authorizations, which is 22% more than last year. The volume of processed operations increased by a third and exceeded 1.5 trillion rubles.

The number of ATMs served by the MultiCard increased by almost 1000 units over the year and as of 01.01.2013 amounts to more than 8 thousand devices; the number of POS terminals increased by one and a half times - up to 14.5 thousand devices. The area of Internet acquiring received its further development: the number of clients connected in 2012 exceeded 200 units, the total number of Internet acquiring enterprises on service in MultiCard approached 400.

Close attention in 2012 was paid to the development of existing, as well as the development and implementation of new products. Significant projects for the company were the implementation of a cross-sales service for VTB Ukraine and CreditUralBank, as a result of which the number of ATMs connected to the service exceeded 4 thousand devices. Today MultiCard offers cross-sales service to an unlimited range of customers. Thanks to its implementation, banks have the opportunity to enter into a personal dialogue with each of their clients, which significantly increases the return on marketing campaigns and contributes to an increase in sales of financial products.

Among other most significant projects implemented last year, it should be noted the launch of the first Visa PayWave card acquiring project in Russia; introduction of cash-free lending technology through ATMs at Leto Bank; improving the ATM geolocation service and launching mobile Android and iPhone applications for finding ATMs.

2011: Tripled Customer Base Growth

In 2011, the MultiCard processing company demonstrated an increase in its key performance indicators and significantly increased the volume of operations. The number of MultiCard customer banks increased 3-fold in 2011, to 45 as of 01.01.2012. The total number of transactions processed in 2011 increased by more than a third to more than 242.7 million. At the same time, over 405.2 million authorizations were processed by the company's processing centers, which is also one third higher than the same indicator achieved a year earlier. The number of ATMs serviced increased by 20% - to 7.03 thousand. The network of POS terminals demonstrated similar growth rates: in 01.01.2012 it has over 9.7 thousand devices.

As part of the new business development strategy, in March 2011 MultiCard carried out its first transaction in the mergers and acquisitions market and acquired a 100% stake in the authorized capital of Standard Processing LLC from Transinvestbank CB (LLC). The transaction was carried out in order to expand the customer base and strengthen the leading positions of MultiCard LLC in the processing services market.

In 2011, special attention was paid to information security issues: the company conducted an audit of systems that process and store payment card data, regulatory documents and procedures, and configurations of the security equipment used. According to the results of the audit in December 2011, MultiCard received a certificate of compliance with the PCI DSS 2.0 standard.