PSB-Retail

2025: QR Code Scanner Implementation

PSB has launched a QR code scanner for retail clients in an Internet bank based on the technology of the Russian company Smart Engines. The solution allows owners of Android or iOS mobile devices to quickly make payments and transfers to an Internet bank when logging in from a mobile browser. Smart Engines technology, integrated into the PSB Internet bank, recognizes any QR codes, including cropped, damaged, as well as in low light conditions. Smart Engines announced this on August 22, 2025.

By scanning the QR code on electronic or paper, customers can instantly pay for housing and communal services, taxes, fines, and also make purchases at retail outlets.

To pay by QR code, the client just needs to go to the Internet bank and in the payments section select payment by QR code. The phone camera automatically counts the payment details using a QR code, the client will only have to check them and confirm the payment. You can also make a transfer by card or phone number in a few seconds by clicking on the scanner icon in the transfers section, read the card or phone number, including those written by hand.

Developed by Smart Engines, software and hardware algorithmic intelligence allows you to recognize all payment information using WebAssembly technology directly in the user's Internet bank, which reliably protects client data and excludes their transfer to third-party services.

QR codes have become an integral part of a person's daily life - the number and volume of such transactions multiply every year due to the convenience and constant growth of the number of outlets that accept payment using a QR code. In the first half of 2025, the number of payments by QR codes among PSB customers increased by about 20%. I am sure that this solution, which guarantees payment using a QR code even with low image quality in an Internet bank, will increase the availability and convenience of payments from mobile devices for even more of our customers, "said Sergey Matveev, Vice President and Director of the PSB Digital Retail Business Department.

2015: Payment for online purchases through PSB-Retail

March 13, 2015. Yandex.Money"" started^[1] to connect online stores to accept payments through. Internet bank PSB-Retail More than 1.5 million customers "" Promsvyazbank- Internet bank users can pay for goods and services in this way today. This was reported to CNews by Promsvyazbank.

To make a purchase in an online store through the Promsvyazbank online bank, the user needs to choose a payment method on the seller's website through the PSB-Retail online bank - by analogy with the choice of payment by bank card or from an electronic wallet. The Yandex service will redirect the payer to the personal account of the Internet bank and issue an invoice there, where it will be possible to transfer money.

Payment in this way is convenient and safe: the buyer does not need to enter his card information on the store's website, the whole process takes place in the interface familiar to him on the secure pages of the Internet bank. In addition, when paying through Promsvyazbank, the user is not charged a commission.

2012

The number of users of the Internet bank PSB-Retail exceeded 1 million people

According to the results of 2012, the number of individuals - users of the Internet bank PSB-Retail increased by more than 50% and as of January 1, 2013 amounted to 1.042 million people.

As of January 1, about 30% of deposits from the volume of the entire retail deposit portfolio are open in the Internet bank PSB-Retail. In 2012, more than 20% of applications for loans to individuals were received by Promsvyazbank through an Internet bank.

The share of transactions made by retail customers through remote banking channels in 2012 amounted to 85% of the total number of transactions of individuals.

The most popular operation among users of the Internet bank PSB-Retail is payment for mobile communications, transfer of funds between their accounts, currency exchange, payment for utilities.

Promsvyazbank is actively developing electronic service channels. In particular, in 2012, new services and services appeared in the Internet bank PSB-Retail:

• carrying out operations for the purchase and sale of precious metals using impersonal metal accounts opened in the bank;
• service for issuing an application for concluding a brokerage service contract;
• online payment service for goods and services in more than 10,000 online stores and air tickets using e-invoicing technology through the electronic billing procedure;
• service for convenient and fast payment of online games;
• password confirmation service using SMS;
• opening current and accumulative accounts;
• possibility of obtaining insurance for those traveling abroad;
• management of SMS-informing and 3D-Secure services;
• applications for issuing credit cards;
• linking WebMoney e-wallet to bank account;

At the end of 2012, the new PSB-Mobile mobile bank (links for download in the App Store and Google Play) became available for download to retail customers, which became a full-fledged version of the PSB-Retail Internet bank for smartphones running iOS and Android. PSB-Mobile gives customers the ability to check the status of their accounts and cards, make instant payments and money transfers, create payment templates, repay credit and much more.

Launch in individuals brokerage services

In October 2012, Promsvyazbank launched new brokerage services for individuals in the Internet bank PSB-Retail. In the Internet bank PSB-Retail, customers have access to a transaction for crediting funds to a brokerage account. Also, Internet bank users can get a login and password to access WebQUIK in an SMS message or cancel it. To carry out operations, the SMS-code service must be connected.

In addition, the Internet bank PSB-Retail has the opportunity to apply for an increased leverage for margin trading without visiting the bank's office.

All users of the PSB-Retail Internet Bank with an operational level of access who have a brokerage service contract (concluded after 12.08.2011) can use brokerage services.

Internet bank PSB-Retail allows Promsvyazbank customers to make payments using ready-made templates to more than 400 companies, including utility bills, payments to mobile operators, Internet providers, state and municipal authorities.

2011

Increase in the number of individual users by more than 1.5 times

According to Promsvyazbank, according to the results of 2011, the number of individuals - users of the Internet bank PSB-Retail increased by more than 1.5 times and as of January 1, 2012 amounted to almost 700 thousand users. Currently, two-thirds of Promsvyazbank's clients are connected to the PSB-Retail Internet bank.

The share of transactions made by private clients through remote banking channels (Internet and contact center) in 2011 amounted to almost 65% of the total number of similar transactions of individuals conducted in the offices of Promsvyazbank. Compared to 2010, the number of transactions conducted through remote banking channels increased by 32%, the bank said in a statement.

As noted, today Promsvyazbank is actively developing remote service channels. Thus, in 2011, the following new services and services appeared in the Internet bank PSB-Retail: opening term deposits; paying taxes on the tax service website through the PSB-Retail online bank; making an application for a consumer loan; replenishment of electronic accounts in the Yandex.Money, Qiwi, RBK-Money, Single Wallet (W1), Монета.ру and WebMoney Transfer systems; the ability to set personal names for your accounts and cards; functionality of the client's messages exchange with the bank; New types of e-mail alerts associated with scheduled operations.

In addition, the bank is constantly expanding the list of companies to which payments can be sent using ready-made templates. At the moment, the PSB-Retail Internet banking system allows bank customers to make payments using ready-made templates to more than 390 companies, including utility bills, payments to mobile operators, Internet providers, state and municipal authorities. Also in PSB-Retail you can order bank cards, post account transactions, make conversion transactions, repay loans.

In 2012, Promsvyazbank plans to expand the functionality of the Internet bank and introduce a new mobile application. In addition, the bank, as before, will expand the list of companies to which payments can be sent using ready-made templates.

3.5x customer growth

Promsvyazbank The Internet Banking Development Project assigned priority status in 2009. Employees engaged in direct interaction with customers began to offer the latter to use the possibilities of remote service. As a result, the number of customers connected to the PSB-Retail online banking system increased by 3.5 times (according to information as of April 2011).

Ability to make payments to more than 350 companies

Online bank PSB-Retail gives customers the opportunity to independently perform most banking operations and manage their funds without visiting the bank's office. Customers of the bank can also make payments in favor of state and municipal authorities, make utility payments, payments to mobile operators, Internet providers - as of February 2011, payments to more than 350 companies using ready-made templates and arbitrary details are available in the PSB-Retail Internet bank. Most of these payments are without fees.

With the help of an online bank, you can carry out conversion and deposit transactions, repay loans, order/block/unblock bank cards, set up automatic scheduled transactions, and much more.

2010: PSB-Retail Opportunities

PSB-Retail system capabilities (as of December 2010):

• Payment for services and making payments without visiting bank branches and company offices:
• utility bills (rent, gas, electricity);
• services of mobile operators;
• services of Internet providers, operators of cable, satellite, digital television;
• telephone communication services;
• other services to various recipients.
• 24/7 free access to manage your money.
• Purchase/sale of foreign currency in a non-cash manner.
• Issue a credit card order.
• Transfer funds to replenish accounts for settlements using bank cards.
• Transfer of funds to current bank accounts in order to repay loans.
• Transfers to any individuals and legal entities.
• Control your account balances.
• Prompt receipt of information for any period of time on accounts opened in Promsvyazbank.

Bank cards

• Control of available balance;
• Monitoring of operations;
• View statements;
• View credit card debt amounts;
• Self-lock/unlock the card;
• Replenishing the card from your other bank accounts without visiting the office;
• Top up your other bank accounts with your cards without a visit to the office.

Deposits

• View statements of deposits (replenishment, expense transactions);
• Replenishment of the deposit from your other bank accounts without visiting the office (for replenished deposits);
• Carrying out expenditure, conversion operations on deposits (if such operations are stipulated by the terms of the deposit agreement);
• Early deposit closing.

Accounts

• Balance information;
• Information on the operations performed;
• View statements;
• Making payments and transfers to any recipients.

Credits

• View payment schedule;
• Tracking of the current repayment;
• Display Loan Balance

Notes