TalkBank Service of instant transfers by the phone number in messengers

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• Money transfers (market of Russia)
• Electronic payment systems are Money transfers (world market)
• Messengers (Instant Messenger, IM)

2020: The announcement of service of instant transfers by the phone number in messengers

On August 10, 2020 the TalkBank company announced start of service of instant transfers by the phone number in messengers.

Transfer by the phone number in messengers

According to the company, recently for money transfer complete details or the card number of the receiver were necessary. Transfer according to details for August, 2020 is relevant – for example if it is necessary to receive money from abroad, to transfer the large amount. It is also used for payments according to the executive documents connected with judicial proceedings for payment of services to individuals, taxes, other payments.

Transfer according to details is not always convenient for daily needs – it depends on work of the Central bank and there can be several working days. To avoid such delays use transfer by the card number. Money reaches at most within a day, is more often – in 10-15 minutes. However for such transfer it is necessary to remember or write the 16-unit card number, and at transfer to other bank the fee can be charged.

Now for transfers it is not necessary to rewrite the long card number – enough mobile phone number of the holder. It is possible to make transfer to any bank which is connected to a system. Except speed and convenience, the method is economic – at transfers to the amount up to 100,000 rubles a month the fee is not charged. If the amount is more, then the commission will make no more than 0.5% of the amount (not higher than 1500 rubles).

As statistics shows, from the moment of emergence of a System of fast payments in January, 2019 through it performed more than 15 million operations in the amount practically for 128 billion rubles. And according to the Central bank, since system launch 3.4 million unique users used it.

The System of fast payments has nuances. So, for transfer it is necessary to be the client of one of banks who is connected to the system of fast payments, and on phone the application of bank shall be installed. The last takes the place and requires certain skills for work.

TalkBank implemented with Visa – service of instant transfers by the phone number, available directly in the messenger. Clients should not install the separate application, to study its interface, to configure and connect function of fast transfers and even to be optional the client of TalkBank.

Transfer by the phone number in messengers

As statistics shows, among favourite applications of the user there is at least one messenger in which the person spends much time. Transfer of transfers to user-friendly space allows to transfer funds, without installing other applications. Such method saves time and allows to transfer money using the chat-bot – as using the text, and voice commands. Mikhail Popov, the founder of TalkBank told

The system of fast payments TalkBank is available to users of five messengers: WhatsApp, Telegram, Viber, VKontakte, Facebook. It is possible to make transfers even by means of the voice assistant Alice. For August, 2020 via the messenger all Russians can use transfer – rather simply to pass into the chat-bot and to specify the phone number of the receiver.

According to the representative of the company, transfers in messengers are safe, all information on cards is ciphered by the system of tokens. Instead of data of the card the special digital identifier which is generated for the specific device is transferred in the messenger. Thanks to it interception of information becomes useless.

Instant transfers are available not only to individuals, but also business. Can implement Visa service both the companies, and banks – previously having adapted the systems for the updated functionality.