CardsMobile Wallet

The main articles are:

• Electronic payment systems in Russia
• Payment system

Wallet is an application for calculating users of mobile gadgets using NFC technology. The application allows you to create and securely store bank and transport cards on your mobile phone and pay for purchases with MasterCard PayPass and VISA PayWave.

2022: Availability in Set Retail Cash System

In the cash system Set Retail, payment for purchases through the "Wallet" application has become available: using the BNPL service "Shares" and SBP. This was announced on September 22, 2022 by CSI. Read more here.

2021: Integration with the Set Retail system loyalty module

The Wallet application has been integrated with the Set Retail system loyalty module. CSI announced this on September 20, 2021. Read more here.

2020

Visa Card Support in Pay Wallet

Contactless payment service Wallet Pay, built into application the "Wallet," now supports payments on. to cards Visa This was announced on November 23, 2020 by the company. CardsMobile Users of the application can transfer the card payment system to their own smartphone and use it to pay for purchases and services around the world.

Tinkoff Bank Post Bank,,, Raiffeisen Bank JSC "" Rosselkhozbank for November 2020 have already connected to the service.

The service is certified for compliance with the security requirements of the Visa payment system. Thanks to the use of tokenization technology, these cards are under reliable protection - when paying, the card details are not transferred to the seller.

Russians are open to innovations in payments and actively use various payment products. According to our data, in 2020 alone, the popularity of contactless payment among Russians increased by 41%, and nine out of ten Visa card transactions in Russia are carried out contactless. We are glad that Visa cardholders have another opportunity to contactless make payments using Pay Wallets, - said Yuri Topunov, head of the Visa products department in Russia.

You can add not only bank cards of payment systems to the Wallet, but also discount cards - and make purchases in stores using one application.

The Wallet application for November 2020 is used by 16 million Russian buyers. Users have already transferred more than 250 million cards to the application.

Ability to add Yandex.Money cards

Owners of a plastic or virtual Yandex.Money maps can now upload it data application to the "Wallet" (developer - St. Petersburg IT company). CardsMobile The company Yandex.Money announced this on June 16, 2020. More. here

Ability to store and issue Lenta loyalty cards

On May 27, 2020, Lenta, a retail chain in Russia, announced the start of cooperation with the mobile application for storing loyalty cards and bank cards "Koshelyok" (developed by CardsMobile). Read more here.

Availability on Huawei P40 series flagships

On April 2, 2020, Huawei announced that the contactless payment service Wallet Pay became available on the latest flagships of the HUAWEI P40 series - by the start of their pre-order on the Russian market. The service works in the Wallet application (developed by the St. Petersburg technology company Cardsmobile), which at the beginning of April 2020 can be downloaded from the AppGallery application store. In the future, the Wallet will be preinstalled on all flagships of HUAWEI, and later on other models presented on the Russian market. The contactless payment function of the Wallet application will be available to users from April 10, 2020.

smartphones HUAWEI owners will be able to upload maps MasterCard 40 banks partners to the application, such as,,, VTB, and Alfa-Bank Raiffeisen Bank Tinkoff Opening Rosselkhozbank others, for convenient and safe payment for purchases around the world - wherever contactless cards are accepted. Payment will be made in one touch using technology. NFC

Users will also be able to transfer discount cards of their favorite stores to the Wallet or issue other cards directly to, application immediately in mobile format. smartphone You can receive discounts by showing a card from the screen at the checkout in large trade networks of the country - partners of the service:,,,, X5 Retail Group,, M.Video,, O'KAY Adidas Group kari VkusVill United Metro Cash & Carry Lamoda Colors of Benetton and others.

We are very happy to cooperate with HUAWEI, as together we make life easier for buyers - literally and figuratively. The Wallet application provides a convenient way to contactless payment for purchases, simplifies the receipt of discounts in stores and saves users from annoying plastic. We are inspired by the idea that the smartphone is increasingly transforming into a digital analogue of a regular wallet and strives to completely replace plastic and paper media. We are glad that now the owners of smartphones of the HUAWEI and Honor brands will be able to collect all the necessary cards in one application and receive additional benefits from our partners - both banks and retailers, noted Kirill Gorynya, CEO of Cardsmobile

The partnership with Cardsmobile is an important step to build HUAWEI's sophisticated local ecosystem. The pre-installed Wallet application offers users not only a secure and reliable payment platform, but also a tool for simply solving various everyday tasks. We will continue to actively interact with Russian partners in the future to offer our users a whole ecosystem adapted to the peculiarities of a particular region, noted Leo Lee, president of the HUAWEI brand in Russia and the region

AppGallery app store covers more than 170 countries and regions as of April 2020, serving more than 600 million HUAWEI and HONOR users. Since the official launch of AppGallery in April 2018, the number of monthly active users of the system has exceeded 400 million.

2019

Integration into the Tele2 Payment application

On November 19, 2019, Tele2 announced that it had launched a wallet developed by Cardsmobile with the support of Mastercard. This tool will be available to Tele2 subscribers until the end of 2019. Read more here.

Pay Wallet Availability for Mastercard Holders

On October 10, 2019, it became known that MasterCard and the Russian company Cardsmobile launched the Pay Wallet service, with which you can simply, conveniently and safely pay for purchases in one touch with a smartphone in Russia and in the world. To use the service, just install the "Wallet" application and activate Mastercard payment cards in it.

As of October 2019, the Pay Wallet is available for Mastercard holders of Alfa-Bank and MTS Bank. In the near future, VTB Bank, Otkritie Bank, Rosselkhozbank JSC, Megafon Bank and other banks will also join the service.

The Pay wallet allows issuing banks to transfer existing cards to smartphones and smart wearables that support contactless payment technology: key chains, microchip jewelry and other gadgets.

Digital issue of payment cards is also available to banks connected to the service. In the future, customers of these banks will be able to issue Mastercard cards in the Wallet application immediately in mobile format.

Mastercard consistently and purposefully develops contactless mobile technologies around the world. In Russia, our strategic partner in this area is Cardsmobile, which also participates in the international Mastercard Start Path program, aimed at supporting startups developing technological solutions. The result of the partnership with Cardsmobile was the launch of the Pay Wallet, a universal solution for mobile contactless payments based on our MDES tokenization platform, which allows the service to run on any Android device with NFC support, and in the case of wearable devices, on any operating system. said Dmitry Tartyshev, Business Development Director of Mastercard in Russia

Our mission is to completely replace the physical wallet for the modern buyer. Users in October 2019 added more than 140 million discount cards to the Wallet. With the launch of the Pay Wallet, this figure will increase due to bank cards that users can transfer to their smartphone and use to pay for purchases. The service will allow issuing banks to quickly and profitably launch mobile card products, including co-branded cards with retailers, and promote them not only among their customers, but also to more than 7 million audience of the application, noted Kirill Gorynya, CEO of Cardsmobile

The Pay wallet runs on its own universal tokenization platform, which is certified by Mastercard and connected to the Mastercard Digital Enablement Service (MDES).

The service is supported on Android smartphones version 5.0 and higher with NFC and HCE technologies and will soon be available on wearable devices of not only Android, but also - holders. iOSsmartphones

100 million loyalty cards in the "Wallet" application

On April 25, 2019, CardsMobile announced that users of the Wallet application set a record: they transferred 100 million loyalty cards to smartphones. Their wallets became 500 tons lighter than plastic.

The wallet saves customers from plastic: app users can store loyalty cards, coupons and gift certificates in their smartphones.

Customers receive discounts in stores on mobile loyalty cards 50 million times a month. On average, users store 19 loyalty cards in the Wallet application, every fourth of which is released in the application and does not have a plastic analogue.

The Wallet catalog contains information on 243 thousand loyalty programs of the country. The wallet cooperates with the largest trade networks, among them,, Sportmaster,, X5 Retail Group,, M.Video,, Inventive Retail Group,, Girlfriend,,,, and Metro Cash & Carry Zenden Group Sela Adidas Group Kari others. O’STIN Rendez-Vous O'KAY

The application integrates with the CRM systems of retailers, allowing you to remotely register customers in loyalty programs. On average, retail chains attract from 20 to 50% of loyalty program participants through the Wallet application.

2018: Mastercard Certification

On October 18, 2018, the company, CardsMobile a resident of the IT cluster Skolkovo Foundation"," announced that the Wallet application had successfully passed certification Mastercard and received the status of an open wallet, integrated with the Mastercard Digital Enablement Service (MDES) tokenization platform. The project is being implemented with the support of Mastercard.

After the launch of the Pay Wallet service, banks that connect to MDES will be able to transfer Mastercard payment cards to their customers' smartphones. Users will be able to add their own Mastercard payment card to the Wallet or release another directly in the application and pay for purchases and services around the world by touching a smartphone.

The Pay wallet has passed Mastercard certification not only as an open wallet, but also as an aggregation platform. This means that the tokenization service will also be available to manufacturers of wearable devices. Bank customers will have the opportunity to download the Mastercard payment card directly into key fobs, jewelry with microchips or other "smart" devices.

As of October 2018, four banks will connect to the CardsMobile service:

• Alfa-Bank
• MTS Bank
• Bank Round
• RFI BANK

three mobile operators issuing payment cards for their customers:

• MTS
• MegaFon
• Tele2

and three wearable device manufacturers:

• ISBC with AIRTAG Pay
• Rosan Diamond
• PayRing

author '= Kirill Gorynya, CEO of CardsMobile ' Pay Wallet - will unite banks, retail, mobile operators and other companies in one mobile application. Together, they will be able to run promotional activities for users - such as tokenizing cobrand loyalty cards to give customers extra privileges and boost their activity. We directly cooperate with Russian trade and service enterprises, and our audience is constantly growing - as of October 2018, it accounts for more than three million active users.

author '= Pavel Novikov, Director of the Competence Center FinTech & Blockchain of the Skolkovo Fondation ' Separately, I would like to note the positive impact of the application on the environment - as of October 2018, users have already transferred 50 million cards to Koshelyok, which is 250 tons of plastic. I am glad that this service was presented by a Skolkovo resident, CardsMobile.

2017

"Wallet" in Kazakhstan

In September 2017, CardsMobile announced the launch of the Wallet application in Kazakhstan. Smartphone owners will be able to get rid of wallets: transfer any of their cards to a mobile application and receive discounts and pay for purchases using cards in a smartphone. The project is being implemented with the support of the international payment system Mastercard.

CardsMobile company enters the Kazakhstan market with new business services for the country using Mastercard cards. Special opportunities are opening up for banks: they gain access to tools developed with the support of Mastercard for mobile online payments and contactless payments with a smartphone already operating in Russia. Partner banks of the application will be able to issue bank cards in Android smartphones that support contactless payment technology, which will allow their customers to make purchases one touch of the smartphone to the terminal at the checkout.

Integration with RightWay

In the summer of 2017, users of the Wallet application got the opportunity to release new and download existing mobile loyalty cards from 10 brands of the Inventive Retail Group chain at once: re: Store, Samsung, Sony Center, Nike, STREET BEAT, ROOKIE, LEAP, LEGO, kid rocks and UNOde50. The service can be used by millions of network customers.

Thanks to the integration of Wallet with the RightWay platform of LANIT Omni, application users can issue new loyalty cards and transfer existing Inventor Retail Group cards to the application in one touch to the smartphone screen. Identification at the checkout, access to the balance of bonus points, purchase history ― all this is now in the "Wallet."

The project was implemented jointly with LANIT Omni, a supplier of CRM solutions for brands of the Inventive Retail Group of companies. The integration of LANIT Omni and Wallet software simplified the launch of the service and made it easy to scale it to ten brands of the Inventive Retail Group chain. The company gained access to the possibilities of enriching customer data, updating the database and ways of communicating with customers through the application.

CRM solution RightWay allows you to track sales history and carry out all communications with customers. It offers a wide range of marketing activities, including bonus and discount management, the use of promotional codes and express bonuses, regular marketing campaigns, scenario (trigger) mailings, and the formation of detailed analytics in a large number of sections. The program supports a single database of online and offline buyers, provides uniform communication standards for any sales channel.

Installing the application on more than 4.5 million smartphones

As of the summer of 2017, the application is installed on more than 4.5 million smartphones. Previously, such networks as M.Video, Sportmaster, SELA, Ostin, Mascotte, Riv Ghosh, Smile Rainbow, O'KAY and others have already become partners of the service.

Capabilities of the "Wallet" application

For February 2017, app users take photos of their discount card on both sides. Machine intelligence analyzes photos of the card, classifies it as a specific issuer and type, generates a barcode, that is, releases a mobile version of the user's discount card. Now users download more than a million discount cards into the application every month. Based on an analysis of the maps loaded into the application, the developers of the "Wallet" application have formed an open catalog.

In addition to digitizing plastic cards, "Wallet" allows users to issue bank cards and travel tickets of several regions of Russia through the application, as well as loyalty cards of partner companies "Wallet," including Sportmaster, Ostin, RIV GOSH, M. Video, SELA, etc.

The application integrates with the CRM systems of federal retailers and provides the user with not only access to his personal account in the loyalty program, but also the opportunity to issue a new map of the retail network. However, the digitization of cards using artificial intelligence "Wallet" is still the most popular functionality among users.

Opening access to the directory of the "Wallet" application

At the beginning of 2017, the Wallet application (developed by the company, CardsMobile a resident of the Fund's IT cluster) Skolkovo opened access to its own catalog http://retail.cardsmobile.ru. The catalog contains information on more than 150,000 types of cards from more than 130,000 loyalty programs of trading and service enterprises throughout. Russia

The Wallet catalog contains complete information about trade and service enterprises whose cards are sent for processing to the application. Now each retailer can independently change information about its loyalty program in the Wallet catalog.

2015: Launch of loyalty card digitization service

In December 2015, the company launched a service for digitizing loyalty cards. During the year of the service, users downloaded more than 10 million loyalty cards to the application.

Mobile Computing Procedure (2015)

2013

Since 2013, the Wallet application has provided smartphone owners with the opportunity to transfer their cards to their phone. The wallet completely replaces the wallet in the user's pocket: it aggregates bank, transport, discount cards, coupons and gift certificates in the phone.