IT company Lad launched payment through SBP in Orby stores

2022: Start of payment through SBP

On April 8, 2022, IT the company Lad announced that it retailer Orby was implementing clothes its technology for adolescents and children from March 24. The payment method - by SBP using - QR code is already available in 3 stores of the chain: in, and. In Nizhny Novgorod To Kostroma Tyumen the near future, the solution time will be available in all 39 branded stores of the chain in the territory. Russia The payment service provides. ""Gazprombank

Photo: 2gis.ru

The fast payment system allows Orby customers to pay for their purchases quickly, easily and securely using a regular smartphone. When paying through the SBP, bank card details are not used: funds are transferred in real time from the buyer's account to the seller's account.

To make a purchase, the buyer:

• Scans the QR code on the pre-check using the smartphone camera and then selects the bank to pay.
• Goes to the bank's mobile application and confirms the payment.

The time for payment using the QR code of the SBP is comparable to the payment by bank card.

The Orby retail chain, when paying through the SBP, according to the company, reduces its costs several times in comparison with acquiring. The funds are almost instantly credited to the company's current account. Cost savings, faster cash flows, and more payment methods available to customers increase both the company's competitiveness and customer attractiveness.

"The development has already proven effective for buyers and businesses. Our experience shows that the use of current IT solutions allows, even without additional incentive from buyers, to bring the share of payments through the SBP to 55% of the total volume of non-cash payments. And joint work with Gazprombank, I think, in the near future will allow to exceed this indicator. Interaction with colleagues online allows you to instantly respond to customer needs and quickly implement payment mechanics. Cooperation with Orby is an example of using the technological capabilities of the IT company Lad in conjunction with experts from a large bank, "- notes the general director of the IT company Lad Dmitry Petrov.

"We are already feeling an increase in the speed of crediting funds to the company's current accounts, savings on fees and usability. We continue to distribute the service to all outlets, including the mobile application and website, we plan to connect the payment functionality using NFC technology (an analogue of Apple Pay and Google Pay). We receive a positive response from customers to the implemented payment method in our stores, since this service makes it possible to pay without having payment cards, "- noted the head of the financial group of Orby Elena Balandina.

"The system of fast payments of the Central Bank of the Russian Federation is a method of settlements, which occupies its niche in various sectors of the economy. Gazprombank is developing this method of digital payments. We are pleased to help optimize customer service while reducing the costs of our partners, - emphasized the head of the Center for Structuring Corporate Payment Instruments and Technologies of Gazprombank Andrei Gamolsky.

It should be noted that the capabilities of Lad's solution for the implementation of SBP for retailers are much wider than a simple conclusion QR on the precheck: this is the output of a QR code for payment to, POS terminals various QR displays, sending payment links through SMS and PUSH notifications, etc. The presented joint product of Lad and Gazprombank serves as an alternative to Pay contactless payments Apple and Pay Google and is available for use by all buyers.