Netmonet

Netmonet is a cashless tip service launched in mid-2019. Its users can leave personal monetary gratitude to waiters and employees of beauty salons with a bank card in 5-10 seconds without a mobile application and registration. The service works as follows:

• a visitor to the institution receives a speck with the QR code "Netmonet";
• he goes to the waiter's page on the site and chooses the amount of the tip;
• makes payment with a credit card or through Apple Pay and Google Pay payment systems.

By mid-February 2021, the average commission from tips is 1-2%, but does not exceed 5%. The service allows you to instantly withdraw funds to any bank card. The commission for the withdrawal of less than 2 thousand rubles is 18 rubles, and over this amount - 0 rubles.

History

2025: Alfa-Bank transferred 13% of Netmonet to management

Alfa-Bank JSC reduced its stake in Gratitude Systems LLC to 80% from 93%. The corresponding entry appeared in the Unified State Register of Legal Entities according to the information system "ZALESTNYABUSINESS" in February 2025. 13% were distributed between Alexey Giyazov, Marketing, Design and Customer Engagement Director of Alfa-Bank (10%), Timur Zulkarnaev, Head of Alfa-Bank's Business Marketing Directorate (2%); 1% went to the general director of the "Gratitude System" Igor Ferkalyuk.^[1]

2021: Alfa-Bank bought Netmonet

In mid-February 2021, it became known about the sale of the Netmonet service to Alfa Bank. It is planned to close the deal before the end of the month. Its cost has not been disclosed.

Denis Efremov, principal of Fort Ross Ventures and venture partner of Seedstars, in a conversation with Forbes suggested that Netmonet's business could be valued at $4-8 million. This is provided that the service already serves 1000-1300 restaurants, at least a third of visitors leave a tip, and the average client turnover is 10 million rubles a year - as on average in Russia.

Alfa-Bank acquired Netmonet

Konstantin Sinyushin, managing partner of The Untitled Ventures venture fund, estimates the service several times less - at 120 million rubles ($1.6 million). But he also added that it is impossible to accurately evaluate the service due to the lack of public information.

According to Denis Efremov, Netmonet will simultaneously become an additional advantage of acquiring Alfa-Bank and will allow you to get a share in the segment, which previously did not bring money to banks, since people tipped in cash.^[2]

Notes