{{Company |Название=RBK Money Electronic Payment Service |Логотип=Rbkmoney-logo.png |Главное_о_компании=Russian electronic payment system. |День_основания=7 |Месяц_основания=October |Год_основания=2002 |В_календарь_на_главной=No |В_календарь=Yes |Выделить=No |Заголовок_для_новости=Payment service RBK.money has switched to an updated technology platform |Дата_публикации=2018/09/13 00:04:15 |Главная_новость=No |Отраслевая_новость=No |Fin_новость=No |Не_отправлять=No |Выводить_на_вторых=No |Выводить_в_рассылках=No |Заблокировать_публикацию=No |Заблокировать_кроме_шапки=No |Выделить_красным=No |Выделить_жирным=No |zdrav=No |Нет_рекламы_внутри=No |Убрать_персоны=No |Нет_английской=No |Только_английская=No |Отрасли=Internet services | Czech]] Mayzus Property Management announced its intention to bankrupt the RBKMoney payment system, follows from the notification in the unified registry of legally significant information.
As follows from the case file No. A40-134600/2015 (), in November 2011, an agreement was concluded between Inna Diling LLC and RBC Mani LLC on joining the RBK Money payment system and information technology exchange services.
 | "According to the terms of the contract, the operator provides the participant with access to the system and undertakes for a fee to provide information and technological exchange services aimed at ensuring interaction and mutual settlements of the participant with users within the framework of bilateral relations between them, and the participant undertakes to comply with the rules of the system and pay for the operator's services as provided for in the contract," - specified in court materials.}
The defendant (RBC Mani LLC) was rendered services in the amount of 154.541 million rubles. But the company did not see this money. In September 2013, between Inna Diling LLC and Mayzus Property Management s.r.o. an agreement was concluded on the assignment of the right of claim (cession), under its terms, Mayzus transferred claims for 141.941 million rubles. Mayzus Property Management sued RBK Money in July 2015 - the company demanded 145 million rubles from the payment system. In the summer of 2016, the court satisfied the requirements of Mayzus Property Management in full[1]. At the same time, a letter to the FSB, in which Sergey Mayzus asks law enforcement officers to pay attention to the situation (a copy is available to Ленты.ру), claims that at the end of 2012 RBC Mani LLC became completely insolvent.
Representatives of Mayzus Property Management accuse the management of the payment system of fraud. After "in 2011-2012, RBC Mani LLC fraudulently appropriated money from RBK Money customers in the amount of over 150 million rubles, PJSC RBC transferred the promoted payment system and all liquid assets to its subsidiary, LLC NPO "EPS" - with the abandonment of a large debt in a deprived business and a deliberately bankrupt LLC "RBC Mani," "the complaint against the inaction of law enforcement agencies of Mayzus Property Management Director Sergei Mayzus dated October 29, 2019 addressed to President Vladimir Putin (available to the editors, copies of the letter were sent to the FSB, the Ministry of Internal Affairs and State Duma deputy Alexander Hinstein). That is, from a legal point of view, the payment system currently has nothing to do with RBC Mani LLC. It is controlled by NPO "EPS." "RBC Mani LLC donated to the accounts of LLC NCO EPS more than 23 million rubles, transferred to offshore companies the trademark RBK Money, domain rbkmoney.ru, software, without payment ceded to the Cypriot company the right to claim debt in the amount of 18 million rubles from PJSC RBC, and also made the disposal of other receivables in the amount of more than 275 million rubles without receiving any money into the accounts of LLC "RBC Mani," "this is already stated in a complaint to the Investigative Committee of Russia and the Control Department of the President of Russia. The businessman is sure that since 2009, the management of RBC and a subsidiary of RBC Mani LLC have created a scheme for tax evasion, the legalization (laundering) of money obtained by criminal means, as well as the illegal withdrawal of currency abroad. " According to experts' conclusions of October 30, 2019, the real market value of only the trademark and domain in 2012 was 199.5 million rubles, the domain was sold in 2013 to the British company RBK Money Limited for only 4.9 thousand rubles, and the trademark moved to Cyprus RBK Money Holdings Limited for 2.3 million rubles. A detailed analysis of the company's financial statements shows that by 2011 the total debt on the company's obligations amounted to more than 650 million rubles. Sergey Baryshnikov, former general director of RBC Mani, according to the source of Ленты.ру, explained the occurrence of debt to Inna Dilling LLC as follows:
NPO "EPS," having received a promoted payment system, was also supposed to take over the debts of RBK Money. Although Denis Burlakov spoke about this, nothing like this happened. Representatives of RBK Money for three years communicated with the injured party, promising to return all funds. In particular, Kirill Burlakov, in his letter to Sergei Mayzus dated April 13, 2014 (a copy is available to Ленты.ру), promised to pay off the entire amount of debt by the end of January 2015. But of the 141.9 million rubles, RBC Mani paid MAYZUS Property Management only a small part: first 13.2 million, and in October 2014 - 4 million rubles. In 2015, when the statute of limitations in the Mayzus Property Management case expired, RBC Mani LLC went into bankruptcy, and all assets were transferred to NPO EPS, an affiliated company. In August 2018, representatives of the payment system told TAdviser that Mayzus's statements about "its intention to bankrupt the RBK Money payment system" and "satisfy claims in the summer of 2016" were not true. Mayzus was never a customer/merchant of the RBK Money payment system and had no other commercial or financial relationship with the payment system.
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An international fintech company that provides advanced digital solutions to Internet economy enterprises. The RBK.money payment service allows customers to set up acceptance of any type of payments on the site, including:
- bank cards of Russian and international payment systems,
- electronic money and contactless wallets,
- Internet banking,
- via SBP,
- cash through payment terminals and others.
RBK.money offers more than 10 ready-made solutions under the specific conditions of various business areas, allows you to work in full compliance with the requirements of law 54-FZ, provides daily payments and 24-hour support.
Performance indicators
According to the end of 2020, RBK.money collaborates with more than 30,000 online stores in 60 countries. According to the MARC Research Center for 2019, RBK.money is one of the top 10 most popular payment solutions for online business in Russia.
History
2021
Delays in salary payments
In December 2021, the company faced delays in paying salaries.
Bringing Osnova IT Brand to Market
Fintech company RBK Money May 13, 2021 announced that it is introducing the Osnova IT brand to the market as part of the transformation of its business model. Under this name, the technological direction of the company will develop. The payment business will continue to develop under the brand RBK.money. More details here.
Central Bank revoked the license of the operator of the payment system RBK.Money
On April 9, 2021, the Central Bank of the Russian Federation announced the cancellation of the license from the non-bank credit institution (NPO) Electronic Payment Service (EPS), which is the operator of the RBK.Money. More details here.
2020
RBK.money unveils its Open Source processing
In 2020, the RBK.money IT team presented to the technology community the world's first payment processing, built on the basis of open software and distributed according to the Open Source Software model. In such a model, all source codes are fully open and available to any market participant for free. Using this solution, even a small fintech startup can quickly deploy a modern payment platform and provide services to customers without spending significant financial and technical resources on buying a proprietary solution or developing its own.
| | "We have been working on this scheme for more than a year and it is the paradigm of openness of protocols and systems that allows us to create high-quality products. We have made a payment platform that can now take on the mission of creating a whole ecosystem of payment solutions from the box. Moreover, due to the fact that the system is distributed, it can process transactions in any quantities and not fall under load, "- Anton Kuranda, CTO RBK.money. | |
Processing from RBK.money has become the payment environment of the Rostelecom-Solar cyberpoligon
The opensors solution, developed by the fintech company RBK.money, was involved in the virtual model of the city on the cyberpoligon Rostelecom Solar"" as the main payment platform. Processing allows you to model the financial activities of the "city" with full-fledged integrations between payment banks systems and merchants. Cyberpoligon is one of the largest information security projects implemented as part of the National Program "Digital Economy" in 2020. It is carried out by Rostelecom with the involvement of expertise from the employees of its subsidiary Rostelecom-Solar, a national provider of cybersecurity technologies and services.
Cyberpoligon is designed for training and training specialists in information security, and is a reliable model of the city with a full-fledged infrastructure: banks, stores and imitation of various networks, including IT infrastructure of transport networks and the energy sector.
RBK.money payment processing could not be hacked on The Standoff
In November 2020, RBK.money took part in the largest online hacker competition The Standoff. The organizers designed a virtual model of the city and recreated production chains, business scenarios and the technological landscape characteristic of various sectors of the economy. The task of the attacking teams was to fulfill control over the infrastructure of the cyber city. The task of the defense teams is to identify attacks, work out methods for detecting and preventing incidents, and test the related work of various tools.
RBK.money provided its payment processing for the cybercity financial system, created on the basis of open source software and distributed free of charge according to the Open Source Software model. During The Standoff, 24 unique cyber risks were implemented, and 2 of them are new competitions not provided for in the program. The attackers managed to break into the airport, the petrochemical plant, and the financial system of the cyber city was seriously damaged: hackers organized a leak of employee data, personal data of customers, and hacked the BBO system providing an Internet bank.
Payment processing RBK.money became the only element of the financial infrastructure of the virtual city that could not be hacked. He remained unharmed and processed payments without failures and delays.
Open payment processing RBK.money received an award for achievements in the development of the Russian Internet segment - "Runet Prize 2020" - in the nomination "Technologies and Innovations."
| | "The Internet is an open and free space, and our processing is the same independent and open technological solution. This is Linux in the world of payment operations, unparalleled in the market solutions with similar functionality. For business today, castomization, fine-tuning is especially important, and open source software developments provide it. This is a truly independent infrastructure system, and we believe that the future of the payment industry is precisely for such technologies. We are glad that our opinion coincided with the opinion of the jury and Runet users, "- Denis Burlakov, head of RBK.money. | |
2019
RBK.money has opened the status of its services
RBK.money launched a resource to monitor the performance of key client services for companies and end users online. Thanks to the status page, from April 2019, the availability and statuses of RBK.money services were opened to some customers. Starting in July 2019, all customers of the payment platform have the opportunity to subscribe and receive notifications about the state of services in real time, as well as configure the RBK.money notification system for their tasks.
Hotel Payment Solution
RBK.money and HRS - Hospitality & Retail Systems launched a remote hotel payment service. It allows you to bill directly in the OPERA hotel management system and send customers payment links. Thus, guests will be able to pay from any device connected to the Internet through bank cards of all popular payment systems Visa, Mastercard, Mir. The new solution not only greatly simplifies settlements with customers, but also helps to organize the sale of additional hotel services without the presence of the guest himself. For example, when ordering by email or phone. The familiar interface and storage of all sales information in the OPERA system reduce the load on hotel staff and reduce the share of errors when manually entering details, which can become especially critical when checking in large tourist groups.
2018
Termination of electronic wallets for individuals
In July 2018, RBK.Money announced the termination of electronic wallets for individuals due to the closure of an outdated technology platform through which wallets for individuals were supported.
In the same summer, the brand was changed to RBK.money, and the websites rbkmoney.ru and rbkmoney.com were closed, and the platform moved to the site: rbk.money.
Load resilience, flexible architecture, and scalability
RBK.money has moved to an updated technology platform. The developed system is load resistant, has a flexible microservice architecture and is easily scaled to handle any number of transactions. In August 2018, the transfer of all RBK.money customers to the presented version of the platform was completed.
From a technical point of view, the RBK.money platform is built as a distributed architecture, the payment processing language shell is written in Erlang, the language of telephone switches invented by Ericsson, has a fully open API.
| | "When creating this platform, we were inspired by the document known in technical circles" Dynamo: Amazon's Highly Available Key-value Store, "written by Amazon employees. According to it, "customers should be able to add goods to the basket, even if hard drives failed, network infrastructure is working intermittently, and data centers are destroyed by tornadoes." We created a payment platform on the same principle. The architecture of the platform is thought out in such a way that we can scale it and develop it without high costs for at least another 15 years, "- Anton Kuranda, CTO RBK.money. | |
Availability of Apple Pay, Google Pay and Samsung Pay
RBK.money announced that mobile payment systems Apple Pay, Google Pay and Samsung Pay became available to companies accepting payments on the Internet using the service. In order for the payer to display the payment method corresponding to his device, the recipient - the RBK.money client - does not need to make additional settings, the system will connect automatically.
Apple Pay, Google Pay and Samsung Pay systems allow you to pay for purchases on the Internet and in regular stores using mobile devices at the same touch. The listed systems do not store the user's credit card data at home or on your phone. They use a virtual number, which increases the security of this type of payment, explained in RBK.money. To make a payment, the owner of the device must enter a PIN or confirm his consent in any of the biometric methods available to him.
The RBK.money service supports the integration of payment systems with both web resources and mobile applications. As of August 31, 2018, in the RBK.money system, the share of payments using payment solutions from Apple and Google reached 3%.
PCI DSS 3.2 Compliance Confirmation
RBK.money, as part of the annual data security audit for payment cards, confirmed compliance with the PCI DSS (Payment Card Industry Data Security Standard) Level 1 version 3.2 data security standard. The received certificate confirms that the RBK.money service ensures the security of transactions taking into account the current technical and operational requirements of the standard.
Audit for compliance of RBK.money payment service with the international PCI DSS Level 1 version 3.2 standard. conducted by SRC Security Research & Consulting GmbH.
One of the most important changes of PCI DSS 3.2 is the implementation of a compliance program, which should ensure that all departments of the organization working with cardholder data constantly maintain the requirements of the standard. Also, from July 1, 2018, the use of unsafe protocols (SSL and TSOUNDv1.0) is not allowed when transferring card data in open networks, including between the user's browser and the service provider's payment page. This should minimize the possibility of attacks to compromise payment data due to the fault of cardholders themselves who use outdated browsers and unsupported devices.
| | "Annual certification is a guarantee of our company's reliability in relation to all participants in payment transactions. The issue of information security is fundamental in our business, so we approach its solution with the highest responsibility, "said Denis Burlakov, head of RBK.money | |
2015-2017: Business Renovation
Consequences of the crisis
In December 2015, RBK.money was headed by Denis Burlakov, and his brother Kirill Burlakov in 2016 became Chairman of the Board of the Nebankovo credit organization Electronic Payment Service (Limited Liability Company) (abbreviated name - NPO "EPS" (LLC)), which is the settlement center of the payment service. The new management needed to quickly develop a plan of anti-crisis actions and form a new strategy for the development of the company.
| | "The events that occurred in the economy affected the position of the company, the service really faced a non-payment crisis due to the devaluation of the ruble. Clients who were served by their foreign operator had ruble purses, but funds withdrawal was carried out in currency", Denis Burlakov told in a conversation with the Lenta.ru edition. | |
After a serious depreciation of the ruble, customers made demands to transform wallets into currency at the previous exchange rate. In this situation, the amount of possible losses would be very significant, so it was necessary to solve the problem through lengthy and difficult negotiations. A significant part of foreign customers disconnected, making claims for repayment of losses.
"To resolve the conflict, we personally met and agreed to restructure the resulting debt with all our foreign customers throughout 2016. Of course, we were forced to invest significant own funds, which the company did not have at that time. As of December 31, 2017, all debts were repaid, we managed to return 70 percent of disconnected customers, "said Denis Burlakov.
According to the MARC research center at the end of 2015, RBK Money used 3% of Russian sites that accept online payments for goods and services. In total, there are 88 thousand such sites. The most popular payment solution is Yandex.Cash, which at the end of 2015 was used by 24% of sites. Following are Robokassa (20%), Interkassa (5%) and Unitpay (4%).
The volume of the online payment market, according to the Russian Association of Electronic Associations, amounted to 588 billion rubles in 2015.
RBK.money launches Bug Bounty
The company launched the Bug Bounty program, which pays a reward to IT specialists if they find vulnerabilities in the security of RBK.money. The program, in addition to the already used means of protection, is another tool for ensuring the information security of the payment service. Bug Bounty programs at different times were launched by such major technology companies as Facebook, Yahoo!, Google, Reddit, Square, Apple and Microsoft.
All legitimate reports are considered within the framework of the program, and any specialist can participate in it. The minimum reward for a legitimate vulnerability report is $50, the maximum depends on the criticality of the vulnerability.
Perceived bankruptcy
In May 2017, the media reported on the intention of the Czech company Mayzus Property Management s.r.o. bankrupt the payment service RBK.money, with reference to a notification from a single registry of legally significant information. But, according to the publication Lenta.ru, in fact, the claims of a foreign company were against a legal entity that was not related to the RBK.money. The defendant, who has an identical name - RBC Mani LLC, has nothing to do with the RBK.money payment service.
Despite the lack of information about the bankruptcy procedure of the RBK.money service in the open database of arbitration courts (kad.arbitr.ru), as well as the absence of any legal relations between RBK.money and the Czech company, information attacks continued, and this topic periodically arises on Internet resources.
| | "The financial technology market is one of the most active and promising today. Many want to join this pie without investing in technology, team and as quickly as possible. Unfortunately, these are the realities. We need to be prepared for this and accept this as one of the challenges. We create a high-quality and sought-after product that they want to imitate or even own. And we are not the only ones who get lately. It is enough to watch the news agenda and see how really cool banking products are subjected to information attacks in order to discredit, "said Denis Burlakov, head of RBK.money. | |
At the beginning of 2017, RBKmoney collaborated with more than 40,000 online stores and served over 6.2 million users. The network of receiving funds from 260 thousand points covers the entire territory of the Russian Federation.
2014: Managers bought the company from PJSC RBC for 18 million rubles. ($0.5 million)
The holding of PJSC RBC approved the sale of 99% of the interest in the Nebankovskaya credit organization Electronic Payment Service (Limited Liability Company) (abbreviated name - NPO EPS (LLC)), which is the settlement center of the payment service RBK.money.
According to the results of the transaction, the company was valued at 18 million rubles ($0.5 million). The buyers were nine payment service managers (their names were not specified) and the company EastBound Limited, which already owns one percent of the shares of NPO EPS (LLC). Each of the buyers will become the owner of ten percent in the NPO "EPS" (LLC), paying 1.8 million rubles for their package.
Later it was reported that PJSC RBC sold the company at a loss to itself, while the company retained the old brand; PJSC RBC did not object to the use of a trademark consonant with its brand.
In April 2014, Denis and Kirill Burlakovs acquired a 74% stake in the RBK.money payment service, and in July 2015 they bought the remaining 26% of the shares from Andrei Morozov (Eastbound Limited). In January 2016, the deal was closed.
2013
Denis and Kirill Burlakovs decide to acquire 74% of the shares of the payment service
In October 2013, private investors Denis and Kirill Burlakov showed interest in RBK.money. They met with the head of the company Andrey Morozov, as well as with the management of the holding RBC and ONEXIM Group Mikhail Prokhorov, who owned the company. In November-December 2013, Denis and Kirill Burlakov decided to acquire a 74% stake in the payment service from RBC OJSC.
PCI DSS Audit
RBK.money received the next certificate confirming the required level of compliance with established safety standards during storage, processing and transfer of data of payment card holders. The certificate was issued based on the results of an annual audit conducted for compliance with the requirements of the PCI DSS (Payment Card Industry Data Security Standard) standard. The requirements of the International Payment Systems (IAS) for payment services are characterized by strict checks.
Both according to Visa classification and MasterCard classification, systems that process, store or transmit data on more than 6 million transactions per year belong to the first level (Level 1) and are required to undergo an annual audit.
2012
Year-end turnover 15 billion RUB on 12 million transactions
The turnover of the RBK.money payment service in the 2012 year amounted to RUB 15 billion, the number of transactions during the reporting period reached RUB 12 million. Meanwhile, the number of registered users increased to 3 million people, and the number of online stores accepting payments through RBK.money reached 30 thousand. Thus, in total for 2010-2012, the company grew 10 times according to the main indicators.
The company received a license to participate in the National Payment System and in 2013 plans to continue the development of its services.
SD PJSC RBC approved the sale of RBK.money for $8 million, but the deal did not take place
At the end of August 2012, the Board of Directors of RBC PJSC approved the sale of 74% of the RBK.money payment system (that is, the entire share owned by RBC PJSC) to the Cyprus holding Trigale Investments Ltd. The announced transaction amount is $8.44 million. According to Izvestia, the offshore acts in the interests of RBC Mani CEO Andrey Morozov, who owned the remaining 26% of the company before the transaction.
General Director of PJSC RBC Sergey Lavrukhin told the publication that PJSC RBC "will continue to cooperate with RBK.money." In addition, after RBK.money was recognized as a non-core asset and information distributed by the market about the upcoming sale, RBC PJSC launched the RBC Travel service on its platform (search for airline tickets and hotels).
PJSC RBC Roem.ru said that the RBK.money brand will remain for Trigale Investments limited for a certain period. RBC Travel - the RBK.money project and transferred to the new owner as part of the transaction.
As representatives of RBK.money later told TAdviser, the Cypriot holding company Trigale Investment Limited, controlled by RosBusinessConsulting OJSC, initially owned the payment service RBK.money after its acquisition in 2008 from the founders of the service. In 2012, as part of a plan to sell non-core (non-single) assets, RBC OJSC was going to sell the RBK.money payment system to a strategic investor, but the transaction did not take place.
Registration with the Central Bank of the credit institution NPO "EPS"
In June 2012, the Nebankovskaya credit organization Electronic Payment System (Limited Liability Company) was registered (abbreviated name - NPO EPS (LLC)), and in February 2013, due to the requirements of federal law, the name was replaced by Electronic Payment Service. Since September 29, 2012, the only person who calculates the RBK.money payment service in the Russian Federation is NPO "EPS" (LLC) (Bank of Russia License No. 3509-K).
2011
5.8-fold increase in transactions
In 2011, RBK.money revenues increased 6 times; in the second half of the year, the company's monthly revenue growth averaged 20%; RBK.money was the first among electronic payment systems to cancel all user fees; the number of users of the system exceeded 2,500,000 people.
- The turnover for receiving payments from bank cards at the end of the reporting period (December 2011) increased by more than 10 times compared to the same period in 2010;
- The number of transactions performed in the system increased 5.8 times;
- The list of online stores connected to the system from Russia and foreign countries increased by 4,039 (from 20,304 to 24,343 stores);
- The system user fee for all transactions was 0%;
- 100% protection for partners and users against possible types of fraud during operations in RBK.money system;
- 217 methods of payment, replenishment and money transfers around the world became available to users of the system;
There was a mobile application RBK.money for iPhone.
Sberbank is considering the possibility of buying service from PJSC RBC
RBK.money confirmed in December 2011 that Sberbank is interested in the operator of electronic money. A source at Onexim said that a deal with Sberbank could be concluded before the end of the year:
| | "Until the end of December, everything will be decided: either the owners of RBK.money agree with Sberbank and sell the company, or develop this resource on their own." | |
For banks, entering the electronic money market is also a way to attract new customers and increase the loyalty of existing ones, adds Nikita Ignatenko, an analyst at the Inveskafe analytical agency. The intention of the operators themselves to sell the business is largely due to the adoption of the law "On the National Payment System," according to which by October 1, 2012 they should become a non-bank credit institution, having received a corresponding license from the Bank of Russia. Today, banks consider such an asset not in terms of the value of the product itself, but as an entrance ticket to the electronic money market. The competitiveness of an operator under the control of a large bank will depend on how its owner develops the project in the future.
2010: RBC Holding and RBK.money come under the control of ONEXIM
After the sale of the RBC group to ONEXIM holding Mikhail Prokhorov, RBK.money had a new shareholder. This year, the company launched a financial marketplace for travel agencies and operators to search for airline tickets and tours with a convenient one-click payment, which became the first of its kind product in the world. But after 2 years, the project was closed due to lack of funding.
2009: Issue of virtual payment card and legal entity registration in Britain
The company has launched a virtual payment card on the market. This was the first project to issue virtual cards of the international payment system Visa in the Russian Federation. At the end of the same year, a legal entity was registered in Britain - Direct Payment Limited. Later, in 2013, an FCA license was obtained. From this moment, the international expansion of the RBK.money payment service began, its entry into foreign markets and the provision of payment services to individuals and legal entities in the UK and the European Union.
2008: PJSC RBC acquires the service for $3 million and renames it RBK.money
In 2008, the service became part of the RBC media holding and was called RBK.money. RBC acquired 74% of the company for $3 million and subsequently increased its stake. The purpose of the transaction was to create a universal system of financial settlements on the Internet using the infrastructure of RBC Bank.
2002: Creation of RUpay service in Ukraine
The payment service was created in Ukraine by a group of investors under the RUpay brand. The company released the first full-fledged electronic wallet RUpay in the CIS with the function of issuing electronic funds and control through a web interface. Customers of the system could perform various payment operations in real time: pay for mobile, international and long-distance communications, Internet access, IP telephony, cable television, housing and communal services, as well as goods and services in Russian online stores and other online services. According to CNews Analytics, the company occupied about 5% of the Russian Internet payment market, serving more than 250,000 Russian Internet users and 6,000 online stores.
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