NSPK: SBP (Mobile Application)

The main articles are:

• Express Checkout (FPS)
• Contactless NFC payments
• Mobile apps

2024: Possibility of payment by biometrics for VTB customers

VTB launched the ability to pay for biometrics for its customers - bank account holders and users of the Fast Payment System. The project was implemented jointly with the National Payment Card System (NSPK) and the Center for Biometric Technologies (CBT), the operator of the Unified Biometric System. VTB announced this on October 4, 2024.

Now VTB customers can link payment for biometrics to their account mobile application in the SBP. For October 2024, you can make a payment on biometrics in the metro. In the Kazan future, it is planned to appear the same type of contactless payment transport in others cities and at various trade points. countries

In order to start paying for purchases in person, a VTB client needs to register biometrics in a bank branch or in the Public services Biometrics"" application, connect biometrics to a VTB account in the SBPei application and give VTB consent to the processing of biometric personal data.

Payment for goods and services using biometric technologies is the future of domestic fintech. With instant payments, it allows you to receive services seamlessly - the client does not even need to think about paying for goods or services: take out a bank card from his pocket or attach his phone to the terminal. The use of VTB, NSPK and CBT technologies guarantees the security of payments and the safety of user data, - said Sergey Bezbogov, deputy head of the technological unit - senior vice president of VTB.

The ability to pay or go to events or buildings on biometrics and other services will be integrated into an increasing number of different spheres of life - and in the near future, most actively in trade and transport, - said Nikita Chugunov, Senior Vice President of VTB, Head of the Digital Business Department.

Payment for biometrics takes place in a matter of seconds. It is enough for a person to look at a specialized terminal, after which the purchase amount will be written off. This is a simple and safe customer path that will change the country's payment market. Thanks to the developed cross-banking solution based on the infrastructure of the NSPK and the Center for Biometric Technologies, any bank in the country can connect to bioequiring, and their clients can pay for purchases in a new contactless way. Together with VTB, we will continue to develop this project, - commented Maxim Krukelis, Director of the Operations and Technology Department, member of the Board of the National Payment Card System.

2023: Work on the Aurora OS

and National Payment Card System (NSPK) "Open Mobile Platform" (OMP) demonstrated a prototype payment application SBPei for working on the domestic. Aurora operating system This was Rostelecom announced on November 8, 2023.

With the help of a prototype of the SBPei application modified for the Aurora operating system, it will be possible to make payments at the stands of NSPK and Rostelecom. When performing test operations using a QR code or one touch with NFC payment, all debited funds will be sent to a charitable foundation.

According to Vladimir Troyanovsky, Deputy General Director of the NSPK, despite the correctness of the software solution, companies have yet to finalize the SBP under Aurora for its full-fledged commissioning:

{{quote 'The pilot is successful. Already in November 2023, the SBPei version for the Aurora operating system is operating in test mode. Our service was the first payment solution compatible with the domestic OS, and we will continue to cooperate with OMP on its further development. SBPei continues to gain popularity for payment in trade and service enterprises, hundreds of Russian banks are connected to it. The creation of such a technological complex is an important step towards the formation of an alternative to foreign software solutions, "said Vladimir Troyanovsky.}

We consistently adhere to the concept of developing an open national mobile ecosystem, in which there is a role and place for each successful Russian service. The smartphone on Aurora is intended mainly for the corporate market, but we are also aimed at users who need real security and reliability of payment instruments. We are glad to expand the ecosystem with such valuable and demanded functionality, it will make the life of our users more convenient and safer, "said Kirill Menshov, Senior Vice President for Information Technology at Rostelecom.

After the completion of the pilot project, Aurora users will have access to contactless payment for goods and services using NFC plates and QR codes.

2022

Completion of preparation of NWS for industrial implementation for payment using NFC via NWS

On June 29, 2022, NSPK announced that it had completed preparations for the industrial implementation of SBPei for payment using NFC through the Fast Payment System. This means that banks connected to the SBP can implement POS infrastructure and terminal software.

According to experts, with the active support of the NFC tag from the National Payment Card System and the relative ease of payment operations, Russia may soon expect a boom in the use of NFC technologies for payment.

"Multicard" received the status of TPP service "SBPei"

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. Read more here.

EKassir has created a comprehensive mobile application for paying for goods and services in favor of legal entities, self-employed and individual entrepreneurs through SPB

The Central Bank extended until July 1, 2022 the deadline for connecting Russian banks to the SBPei application. This is an analogue of payment services - Apple Pay and Google Pay. This was announced on April 1, 2022 by the Skolkovo Foundation. eKassir has created a comprehensive mobile application for paying for goods and services in favor of legal entities, self-employed and individual entrepreneurs through the Fast Payment System. Read more here.

Connection of all major banks of the Russian Federation

As it became known at the end of March 2022, all major Russian banks joined the SBPei application, an analogue of Apple Pay and Google Pay based on the Fast Payment System. Most credit institutions will launch this service on April 1, 2022.

RIA Novosti was informed about its readiness to do this within the specified period by the Oskov Credit Bank, Rosbank, St. Petersburg Bank, MTS Bank, Дом.РФ Bank, Promsvyazbank and Absolut Bank.

All major Russian banks have connected to the analogue of Apple Pay and Google Pay based on the Fast Payment System

Post Bank reported that they are already completing the necessary work and will connect to the service in the very near future. Anastasia Maslennikova, director of innovations at the credit institution, recalled that by the end of March 2022, most customers have the opportunity to make purchases through SBP in the applications of their banks. One of the factors restraining the expansion of payment acceptance through the SBP is the support of this technology on the side of the seller - a trade and service enterprise. This, according to Maslennikova, can slow down the mass spread of the service.

In addition, the SBPei application has already been implemented by Russian Standard Bank and Expobank. Currently, the main payment scenario through this system is a QR code. Now market participants are working to pay through SBPei by simply attaching a smartphone to the terminal.

According to the decision of the Central Bank of the Russian Federation, the payment application "SBPei" is mandatory for Russian banks participating in the Fast Payment System from April 2022. It is reported that the developers are working to ensure that customers can pay through SBPei simply by attaching a smartphone to the terminal - using NFC. In addition, another contactless payment service is available to Russians - Mir Pay from the Mir payment system. By the end of March 2022, the main payment scenario through SBPei involves the use of a QR code.^[1]

2021: NFC testing

On December 20, 2021, NSPK announced the completion of testing contactless payment based on NFC technology in the SBPei application. It is planned that in 2022 this feature will appear in the application. To make a payment, you will need to attach a smartphone with an SBP application to a special label or other device that transmits a payment link to the SBP using NFC technology. Bank Russian Standard and INPAS have developed a special terminal that allows you to accept payment in this way.

One-touch payment will be available in retail outlets where the SBP payment link is transmitted using NFC technology. This can be implemented using, for example, an NFC tag or a seller's smartphone, to which you will need to attach a phone with a loaded SBP application to make a payment.

This payment method will be available to customers of credit institutions that supported the application. As of December 2021, this is the Russian Standard Bank and SKB-Bank.

It is planned that by April 2022, all banks with a universal license, including systemically important ones, will provide their customers with the opportunity to pay for goods and services using SBPei.

The solution meets all current safety standards. The reliability of operations through the application is ensured on the side of the Bank of Russia, NSPK and participating banks of the SBP.

NSPK plans to release application updates, making SBPei more comfortable for buyers and businesses.

People are used to quickly paying for goods and services using various "payes." In 2022, the SBPei application will implement a payment method, which will also be simple and convenient for the user. To pay, you will simply need to attach a smartphone with an SBP application to a special label or other device that transmits a payment link to the SBP using NFC technology. We see that the market has already begun to create various solutions for accepting payments using this method. The development of Bank Russky and INPAS will allow businesses to accept payment both using this functionality of the SBP, and when using other methods common among buyers, said Dmitry Kolesnikov, director of innovative services development at NSPK.