Bank Derzhava joined SBPei

2022: Secure payment through the SBPei application

On March 31, 2022, Derzhava Bank PJSC announced that its customers can pay for purchases at retail outlets, cafes, restaurants through the SBPei application developed by the Bank of Russia. Payment takes place from the customer's account according to the QR code generated by the trading company. The application displays the customer's accounts in the various banks that have joined the system, and the user can choose from which account to pay.

As of March 2022, 37 banks are connected to the service. From April 1, 2022, joining this service will be mandatory for all banks participating in the Fast Payment System (SBP).

At the end of March 2022, SBPei is the only mobile payment solution for iPhone owners in Russia. Payment is made from the user's account and is not linked to the card, so you can pay with the help of iPhone from any accounts, including to which both the Mir card and Visa or MasterCard cards are linked. NSPK, which is the operator of the system, plans to improve payment through the application - payments through the service using the NFC tag have already been tested. The introduction of this payment method will make it possible to simplify the payment path as much as possible - it will not differ from the usual Pay services, the payment can be made "in one touch."

Derzhava Bank was one of the first to test this format - payment from the bank's mobile application from its QR code account is available to customers from December 2021. Torgovo-service enterprises actively use this payment service, connection to it is as simple and not costly as possible - it is enough to conclude an agreement with AKB Derzhava and use it Telegramboat to generate a QR code.

Payments under the QR code directly from the account actually make the plastic itself unnecessary. Back in the fall of 2021, Derzhava Bank decided to abandon bank cards altogether. Thus, customers save on fees for the manufacture and maintenance of cards. In the face of problems with the manufacture of cards, voiced by many banks, the use of QR codes in mobile applications becomes the most promising payment service.