Post Bank (before Leto Bank)
Multikart ─ one of the Russian processing companies providing a full range of processing services for banks and trade and service companies. VTB affiliated enterprise.
- it is certified as the tretyestoronny processor and a personalizer in international payment systems Visa of Int., MasterCard Worldwide;
- it is licensed by international payment systems of Diners Club Int. and American Express on technological support of transactions with use of bank cards.
2019: Growth of net profit by 69% to 606 million rubles
On March 23, 2020 the Multikarta company reported that in 2019 it increased the number of the serviced terminals to 302 thousand pieces by 50%. The number of bank cards grew by 36% up to 57 million pieces, number of ATMs - up to 22 thousand pieces, having increased in a year by 5%. Transactions on cards in a year grew by 64% up to 4.6 billion client transactions. Peak load on the processing systems of the company made 26 million transactions a day. At the same time, average availability of the processing systems remained at the level of 99.97%. The net profit of the company increased by 69% in comparison with 2018 and was 606 million rubles.
Increase in transaction loading and the number of the serviced POS terminals became one of key drivers of growth of business indicators of the company. The popularity of payments by bank cards on tourniquets in the subway is separately mentioned - the number of transactions constantly grows, daily a system fixes hundreds of thousands of passes.
In 2019 the company implemented a number of large projects:
- Together with VTB the solution on acquiring of tourniquets at all stations of Moscow Metro is started, zone tariffing of journey on MTsD within development of transport processing is implemented.
- Transfer on service of Multikarta of the park of ATM devices of Post Bank is complete.
- The Mobile Acquiring project on processing of bank cards in mobile POS terminals of couriers of Russian Post is implemented.
- The integration project about an antifraud is implemented by the system of Post Bank.
- The Post Bank is connected to a payment service of Mir Pay.
- Payment in internet- acquiring of VTB through services is implemented Samsung Pay and Google Pay.
- The possibility of payment of penalties in mobile application of Parking of Moscow is implemented.
- The status of the official processor of the Union Pay International system is received.
- Services of tokenization (The Apple Pay and Garmin Pay) for holders of cards of VTB Belarus Bank are implemented.
- The project of connection of VTB Armenia Bank to Multikarta, etc. is open.
Monitoring systems of Multikarta allow to monitor quickly a status of all objects of processing, and the platform is submitted by two platforms – in Moscow and St. Petersburg which work 24/365, are synchronized in real time, have high disaster tolerance and the high level of availability. In 2019 the situational center which operators monitor work of platforms in online the mode is put into operation, quickly react to any incidents, providing thus uninterrupted operation of business processes of the clients.
12% of purchases according to cards of VTB and Post Bank were made using Pay-services
In 2019 12% of all purchases according to cards were made using Pay-services. Such data are obtained thanks to a research of processing company "Multikarta". More than 30 Russian banks (including VTB and Post Bank) to which it renders processing services are analyzed transaction of clients. At the end of 2019 the share of purchases which is the share of a traditional payment method the card made 88%, and a share of purchases using contactless payments – 12% (+6% by 2018).
According to a research, in 2019 about 180 million transactions monthly were on average made. The total quantity of transactions in a year grew by 78% – from 1.2 billion in 2018 up to 2.2 billion in 2019.
In top-5 the cities where most often paid off with a non-cash method, Moscow, St. Petersburg, Novosibirsk, Irkutsk and Yekaterinburg entered. In comparison with last year Yekaterinburg which displaced Barnaul on the 6th place became the beginner.
Top-6 categories in which Russians made purchases looks as follows: "supermarkets, grocery stores" - 41% of the total number of transactions, "fast food" - 6.9%, "shops with sale of alcoholic drinks" - 3.7%, "car repair shops" - 3.6%, "drugstores" - 3.5%, "restaurants" - 2.9%. At the same time the most considerable gain of transactions in comparison with 2018 occurred in category "fast food" (+107%). The average bill on purchases changed in a year slightly (decreased by 12%) and was 812 rub.
Multikart became the shareholder of Technoserv
In August, 2019 Technoserv had a new shareholder – Multikarta company. According to base " circuit.focus ", it purchased a share about 10% in Group of Technoserv which, in turn, acts as the founder in a number of legal persons of integrator. Read more here.
The Post Bank became the only owner of processing company "Multikarta"
In November, 2018 the Post Bank became the owner of 100% of processing company Multikarta LLC as a result of acquisition at VTB bank of a share in the amount of 25.33% of authorized capital. Earlier the Post Bank owned a share of 74.67% of authorized capital of Multikarta LLC.
"The Post Bank is one of key clients and consumers of services and products of Multikarta. Development of bank requires a large number of the innovative technological solutions and projects which the bank will implement together with Multikarta company. With respect thereto the decision was made that operational management and control over Multikarta will be exercised by Post Bank. According to the results of 9 months 2018 the profit of Multikarta company was more than 300 million rubles. In commission revenues of Post Bank the share of Multikarta makes a little more than 1 billion rubles", – the board member, the financial director of Post Bank Strokun Natalia noted.
Growth of revenue for the first half of the year for 23% to 1.9 billion rubles
According to the results of the first half of the year 2018, revenue of Multikarta company in comparison with the same period of last year grew by 23% to 1.9 billion rubles. The number of the bank cards supported by Multikarta increased almost twice to 38.3 million pieces, and number of the serviced terminal devices – by 2.3 times up to 155 thousand units.
Revenue - 3.2 billion rubles
Revenue of the company made 3.2 billion rubles, profit – 280 million rubles. The number of the bank cards supported by Multikarta grew more than twice, to 30 million pieces.
Large-scale increase in issue of cards of Post Bank (from 1.5 million pieces in 2016 up to 5 million pieces in 2017) and also cards of participating banks of the sponsor's program of VTB for access to payment systems became one of key drivers of growth of business indicators of the company. The number of the processed transactions on cards increased by 60%, to 1.6 billion client transactions.
Among the largest projects implemented by the company in 2017 – start of service for purchase of tickets on the website and in mobile application of Russian Railway company using technologies Apple Pay and MasterPass, issue support World cards, connection of technologies Google Pay and Samsung Pay for Post Bank, development of the platform for international transfers from the card on the card on the website of VTB bank, sending notifications on transactions on payment cards of century messenger Viber.
"Multikart is shown by forward development, a five-year cycle we completed with excellent results. The number of the supported cards for this period grew by 15 times – from 2 to 30 million pieces, number of ATMs – by 2.5 times, to 20 thousand devices, POS terminals – more than by 3 times, to 70 thousand units. The growing volumes of business allow us to occupy one of the leading positions in the Russian market of processing. Plans for the next 5 years – not less ambitious. We will develop competences of the fiscal data operator, to provide to clients complex services of processing, service of terminal networks, analytics of consumer behavior, to conduct mobile application development and not only", – the CEO of Multikarta company [Sviridenko Kirill] noted].
Register of safe service providers of Visa payment system
The processing company "Multikarta" (subsidiary company of VTB bank), was a part of the register of the participants supporting safe technologies. Among such technologies - It Is Checked by Visa (VbV), service of tokenization (VTS) allowing to replace confidential information on the payment card with unique digital number, data protection on transactions of holders of payment cards (P2PE), the international standard for bank card transactions with the chip (EMV).
The number of the processed authorizations in a year reached nearly 1 billion
For the beginning of 2017 in processing company "Multikarta" on service there were more than 13 million bank cards that is twice more in comparison with an indicator for the beginning of 2016. The number of the processed authorizations in a year reached nearly 1 billion, the number of the serviced devices (ATMs and POS terminals) exceeded 55,000 units. Clients of the processing company are about 5,000 enterprises of e-commerce.
In 2016 with assistance of Multikart such projects as start of mobile services Samsung Pay and Apple Pay in Russia, money transfers on social networks were implemented Odnoklassniki and VKontakte. Also with assistance of the processing company journey payment by the bank card on the Moscow Central Koltsa is provided. Multikart together with bank VTB 24 within the Self-service ATM Office project started the Russia's first hybrid device replacing traditional bank cash desk in work.
The multicard confirmed compliance to the PCI DSS and Visa standard
The processing company "Multikarta" (enters into VTB Group) underwent in November annual audit on compliance to requirements of the international standard for data protection in the industry of the PCI DSS payment cards.
Also the company underwent annual audit on observance of security requirements of an international payment system of VISA therefore confirmed the status of the certified vendor on personalisation of micro chip cards and a magnetic band (Card Personalizer – IC, Magnetic Stripe).
Service for use of the MPI module for service providers
The processing company "Multikarta" started in the summer of 2016 service for service providers in installation and service of a software module of Merchant Plug-In (MPI) providing carrying out identification of holders of cards VISA/MasterCard according to mandatory requirements of the 3-D-Secure protocol. This service is developed within development of programs of Internet acquiring of partner banks.
Service for the trading companies
Multikart brought in the spring of 2016 into commercial operation the service for the clients representing "a universal show-window" of acquiring tools. This service is constructed based on the TranzWare Merchant Portal software product of Compass Plus company.
Within the project the possibility of accomplishment by retailers of analytic functions was implemented, including viewing transaction journals and reports and also an opportunity independently without the appeal to bank to block the terminal, to execute canceling of transactions and return of goods. A system uses flexible configuration of access rights and allows to distribute powers during the work with a system, both between the trading companies in bank, and between the staff of the enterprise.
Distinctive features of a system is simplicity of its use due to availability of the modern and customized web interface and also broad tool kit for integration of a system into third-party applications.
Results of year
For January, 2016 the number of the serviced devices (ATMs and POS terminals) exceeded 40,000 units, the number of the processed authorizations at the end of year was more than 1 billion, at peak load about 5 million authorizations a day, and the number of payment cards on service in the database of the company reached 6 million that in 1.6 times more in comparison with a similar indicator of 2014. As of January 1, 2016 on service in Multikarta company there were more than 4,000 enterprises of e-commerce.
Among the key projects implemented by Multikarta company in 2015 there was a project of integration with operational and payment clearing center of the National Payment Card System and transfer to a processing center of NSCP of the Russian traffic according to cards of international payment systems.
Also Multikart successfully implemented service for automated management of cash using the hardware and software system intended for the automated acceptance, recalculation, check on authenticity and storages of large volumes of cash.
In 2015 Multikart actively developed cooperation with the largest banks among which there is VTB 24 bank: the company implemented a software package for process automation of management of terminal networks VTB 24 and also implemented the project of bank on start of self-service terminals.
In December, 2015 the processing company successfully underwent annual audit on compliance to requirements of the international standard for data protection in the industry of the PCI DSS v.3.1 payment cards. Within the project audit of Multikarta on compliance to requirements of the PCI PIN Security Requirements v2.0 standard was also successfully complete.
Multikart fell under financial sanctions of the USA
On December 22, 2015 it became known of expansion by the Ministry of Finance of the USA of sanctions lists concerning the Russian physical persons and legal entities. Under action of expanded sanctions got Multikart.
In the context of not stopping conflict between the Russian Federation and Ukraine, financial department of the USA broadened the sector of influence in the IT market concerning the Russian and Crimean companies. The updated "black list" included a number of banks, including "subsidiary" of VTB — processing company "Multikarta", the enterprises of defense industry complex. In total in list 34 of physical person and legal entity.
In the press release of department it is specified - in the list, among other things, the organizations in which 50% also more belong to Sberbank which earlier fell under sanctions of the USA, Rostec and VTB are included. Sberbank - the owner of 75% of stocks of Yandex.Money service.
In a year more than 1 billion authorizations are processed
At the end of 2014 the processing company Multikarta showed growth relatively 2013. The company added from 10% to 50% in indicators, key for itself – the number of the processed authorizations and the serviced devices.
For 2014 processing centers of Multikarta processed more than 1 billion authorizations that by one and a half times exceeds an indicator of 2013 (643 million authorizations). Total number of the enterprises to which services of Internet acquiring are rendered increased by 12% in comparison with 2013 and exceeded 4,500 pieces. The number of the serviced ATMs grew to 13,800 that there is more indicator of 2013 for 10%, and the serviced POS terminals for 14% and approached 30,000.
Quality excellence and reliability of the provided services, development and deployment of new products and also development of customer services remain the key direction of development of the company. Within order of the Central Bank of the Russian Federation, in the first half of the year 2014 of Multikart implemented a number of projects on creation of host-to-host connections. Including, host-to-host connection with one of processing centers of the ORS Payment system which operator is the NPO "Integrated settlement system" was adjusted, and Multikarta received the status of Operational and Payment clearing center of the ORS payment system.
Among other projects which are successfully implemented by Multikarta since the beginning of 2014 - technology support of project VTB 24 on implementation of mPOS of technology in the market of trade acquiring; start of new mobile application for search of ATMs of VTB Group; ensuring start of a new system of service of Interactive Bank is iBank Online and also participation in the project on development of a system of sales of train tickets via transaction self-service terminals.
Participation in creation of the Multikarta payment system (PS) became one of the projects, main for the company, in 2014. The decision on implementation of this project was made within accomplishment of the recommendation of the Central Bank of Russian Federation about the organization of interfaces of interbank interaction of banks of the Russian Federation. VTB 24 bank (public joint stock company) became operator of PS Multikarta, functions of settlement center are performed by JSC Bank VTB, and operational and payment clearing center is the processing company Multikarta.
Not less significant was a cooperation with Integrated Settlement System (ISS) payment system. Connection of network of devices of VTB 24 bank (public joint stock company) to PS ORS within the constructed host-to-host connection of a processing center of Multikarta company and one of processing centers of a system became a result of joint work. In the Multikarta joint project acts as the operator of services of payment infrastructure. In turn, participants of PS ORS had a service opportunity in ATMs of partner banks of Multikarta. The joint ATM network of a payment system exceeds 40,000 devices today.
Development of mobile online services became the important direction in 2014. The application of a mobile geolocation for devices based on Windows mobile for search of ATMs with the services interesting the user was finished and released. Today the application displays more than 15,000 ATMs of VTB Group in Russia and the CIS.
The multicard actively develops payment technologies. The company became the technology partner of VTB 24 bank on a mPOS technology implementation project within the acquiring project of bank.
Growth of the processed authorizations for the first half of the year by 1.5 times
For the first six months 2014 processing centers of the company processed over 383 million authorizations that by one and a half times exceeds similar last year's result. On 7/1/2014 the number of the serviced ATMs was exceeded by 13.8 thousand pieces, the network of POS terminals contains over 26.6 thousand devices, and the total number of the enterprises of Internet acquiring on service in Multikart is more than 4,000 pieces. Within the sponsor's program of JSC VTB Bank since the beginning of year 7 banks were connected to a processing center of Multikarta, still cooperation agreements are signed with five banks.
643 million authorizations at the end of year
For 2013 processing centers of the company processed over 643 million authorizations that for 22% exceeds the results achieved the previous year. In 2013 the number of the ATMs serviced by Multikarta increased more than by one and a half times and on 1/1/2014 was 12,600 pieces. The number of POS terminals increased by 40% – up to 24,300 devices. Thanks to consolidation with processing company Transcreditkart the greatest dynamics of growth was shown by the direction of Internet acquiring. At the end of year the total number of the enterprises of Internet acquiring on Multikarta's service grew more than ten times and exceeded 4,000 pieces.
VTB completed the procedure of merger of companies Multikarta and Transcreditkart
The VTB Group announced in September, 2013 completion of process of reorganization of Multikarta LLC in the form of accession of Transcreditkart LLC to it. It is the project, largest in Russia, on consolidation of the processing companies. The united company continues the work in the Russian market of processing services under the Multikarta brand.
Thanks to consolidation of business of Multikart significantly strengthens the positions as one of the largest processing companies of Russia. Today clients of the company are more than 60 banks among which there are banks of VTB Group and independent participants of financial market. Processing centers of Multikarta process about 1 billion transactions a year, the company services over 10 thousand ATMs, more than 30 thousand POS terminals (including the unique equipment for needs of the Russian Railway), and the volume of the emitted and supported cards exceeds 4 million.
Merger of companies happened within integration of Transcreditbank into VTB Group. Legal accession of Transcreditbank to VTB 24 is planned for November, 2013. At the same time clients of large and medium business are transferred to service in VTB bank, and clients of small business and natural persons – in VTB 24.
Within this Multikartoy project service of the TKB cards in the joint network VTB 24 with preserving of the main additional services was provided; the uniform scenario of operation of devices of self-service of VTB 24 and Transcreditbank is implemented and tested; regional separation of receivers of payments and also their dynamic mapping according to rating is performed. Along with it technology readiness P2P-pervodov between cards of the joint network was provided.
Growth of number of authorizations for the first half of the year for 10%
As of 7/1/2013, processing centers of the company processed over 255.8 million million authorizations that for 10% exceeds the indicator reached the previous year. The volume of the processed transactions increased more than by 18% in comparison with 1 half-year 2012 and exceeded 494.1 trillion rub.
In the first half of the year 2013 of Multikart it was focused on development and deployment of new products for the clients. Among the implemented projects - technology support of VTB bank in the project of acquiring on MasterCard PayPass technology within which in all supermarkets of Seventh Continent network acceptance of these proximity cards is begun.
Continuing strategy implementation, directed to providing high-quality and demanded services and services, Multikarta completed in the second quarter 2013 a number of the projects directed to support of business of the clients. Among them – rendering of services on change of the PIN code by the card holder of Bank in ATMs of VTB Kazakhstan and VTB Azerbaijan and also a number of the sponsored banks; rendering of services on receiving the PIN code by the card holder in the Sms for partner banks; implementation of Verified by Visa technology for the Summer of Bank cards.
Also in the first half of the year 2013 of Multikart acted as the technology partner of VTB bank in the project of acquiring on MasterCard PayPass technology within which in all supermarkets of Seventh Continent network acceptance of these proximity cards is begun. During preparation and implementation of this Multikarta project performed technology maintenance, including certification in payment system, integration into the cash solution and testing.
2012: The number of banks of clients exceeded 60
The number of banks clients of Multikarta exceeded 60 from which more than 50 are independent participants of financial market. Among new clients – the retail project of VTB Group of Leto-bank, VTB Azerbaijan and other banks.
For the reporting period processing centers of the company processed over 500 million authorizations that for 22% exceeds last year's indicators. The volume of the processed transactions grew by a third and exceeded 1.5 trillion rub.
The number of the ATMs serviced by Multikarta in a year increased almost by 1000 pieces and as of 1/1/2013 makes over 8 thousand devices; the number of POS terminals increased by one and a half times – up to 14.5 thousand devices. The further development got an Internet acquiring referral: the number of the clients connected in 2012 exceeded 200 pieces, the total number of the enterprises of Internet acquiring on service in Multikart approached 400.
Close attention in 2012 was paid to development existing and also to development and deployment of new products. Implementation of service of cross-sellings for VTB Ukraine and Credituralbank according to the results of which the number of the ATMs connected to service exceeded 4 thousand devices became projects, significant for the company. Today Multikarta offers service of cross-sellings to an unlimited circle of clients. Thanks to its implementation banks have an opportunity to enter personal dialog with each of the clients that significantly increases return from marketing campaigns and promotes sales increase of financial products.
Among others the most significant projects implemented last year it should be noted start of the Russia's first project on acquiring of the Visa PayWave cards; implementation of technology of beskassovy issuance of credits via ATMs at Summer of Bank; improvement of service of a geolocation of ATMs and start of mobile Android and iPhone of applications for search of ATMs.
2011: Growth of the customer base three times
In 2011 the processing company Multikarta showed growth of key indicators of the activity and significantly increased volumes of transactions. The number of banks clients of Multikarta in 2011 increased by 3 times, and as of 1/1/2012 was 45. The cumulative number of the processed transactions in 2011 increased more than on a third and exceeded 242.7 million million. At the same time processing centers of the company processed over 405.2 million authorizations that also on a third exceeds the similar indicator reached the previous year. The number of the serviced ATMs increased by 20% - up to 7.03 thousand. Similar growth rates were shown also by network of POS terminals: on 1/1/2012 it contains over 9.7 thousand devices.
Within the new business development strategy, in March, 2011 Multikarta performed the first transaction in the market of merges and absorption and purchased a 100% share in authorized capital of Standart-protsessing LLC at CB Transinvestbank (LLC). The transaction was carried out for the purpose of expansion of the customer base and strengthening of the leading positions of Multikarta LLC in the market of processing services.
Special attention in 2011 was paid to questions of information security support: in the company audit of the systems performing processing and data storage of payment cards, the regulating documents and procedures, configurations of the used means of protecting was booked. Based on audit in December, 2011 Multikarta received the certificate of conformity to requirements of the PCI DSS 2.0 standard.
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