Unified system of instant payments. "unified system of instant payments" Regulation of the activities of the Ministry of Railways

One of the youngest payment systems on the market, actively gaining momentum.

The United Instant Payment System (USMP) has been operating in the Russian electronic payment market since 2004 and is one of the youngest electronic payment systems in our country. In terms of its business model, the system is as close as possible to payment gateways; OSMP’s closest competitors are CyberPlat and e-port. At the same time, the company also develops and supplies the necessary equipment, as well as provides technical support and collection. The range of OSMP services is quite traditional for this group of players: payment for mobile communications services, Internet providers, commercial television and IP telephony.

In addition, the system implements the ability to replenish accounts of other external payment systems, and there is also the possibility of paying for housing and communal services. In addition, OSMP is currently negotiating with some banks to organize a service for repaying consumer loans.

Legal status and operating principles

As already mentioned, the OSMP business model is closest to a payment gateway. Accordingly, the legal scheme of work is quite traditional for this type of electronic payment systems. The general principle of operation is as follows: the agent deposits into the system account a sum of money (guarantee deposit), which limits the volume of payments it accepts and serves as security for accepted payments. The specified amount is sent to telecom operators to cover future payments.

Source: company data

At the end of each day, the system calculates completed transactions and offsets the amounts of payments accepted by the agent from the amount of the guarantee fee, and at the end of each month, the calculation of completed transactions and the amount of the agent’s remuneration occurs. In this case, the remuneration can be transferred to the agent’s account at the end of the month, or counted against the guarantee fee. Among the main partner banks of OSMP are Rusinvestclub, Vneshtorgbank and Alfa-Bank. The company's largest business partners also include: VimpelCom, MTS, Sky Link, MegaFon, Tatneft, the Point of Payment networks, Tsifrograd and Betalink.

Statistics

At the end of 2005, OSMP showed the highest growth in turnover among all systems considered in this review. Thus, the system's revenue in the reporting period increased by almost 500% - $83 million at the end of 2004 to $498 million at the end of 2005. The company is actively developing its dealer network - in the reporting period it accounted for almost 97% of the company's turnover. At the same time, over the past year the Internet has become more active - the share of payments accepted through online stores in OSMP turnover amounted to 3% at the end of 2005 versus 1% at the end of 2004.

In terms of the number of payment acceptance points, OSMP is one of the top three payment gateways, along with CyberPlat and e-port, demonstrating a significant increase in this indicator annually. Thus, at the end of 2005, the number of OSMP payment acceptance points increased by 229% compared to 2004 and reached almost 14.5 thousand. Moreover, as of June 2006, this figure was about 30 thousand.

Source: company data, CNews Analytics

OSMP is actively developing its dealer program, stimulating its partners with various valuable prizes and bonuses based on the results of evaluating the work of a particular dealer according to a strict system of criteria. All OSMP dealers are divided into 5 categories based on the volume of payments accepted. At the end of 2005, the maximum share was in category I - the largest - the volume of payments received by over 60% of dealers participating in the affiliate program exceeds 9 million rubles.

Source: company data

The regional structure of OSMP payment acceptance points has a pronounced emphasis on presence in the central federal district. This region accounts for over 60% of all company payment acceptance points. In second place is the Volga Federal District, where just over 11% of payment acceptance points are located, and the top three is crowned by the Southern Federal District - here OSMP has 2,770 payment points (9.2%). However, in all other federal districts of Russia OSMP has a presence similar to the southern one.

) - is part of a group of companies professionally involved in the integration of payment systems into the real sector of the market. OSMP has been operating and successfully developing in the payment systems market since 2004, providing subscribers with a convenient, reliable and fast way to pay for the services of cellular operators, Internet providers, commercial television, and IP telephony. The system provides the ability to replenish accounts of external payment systems, make contributions to charitable foundations, pay for housing and communal services, traffic police fines and technical inspections, as well as other goods and services.

The OSMP dealer network today is represented throughout the Russian Federation. The company also promotes software and technology solutions for organizing payment acceptance in countries near and far abroad.

Project goal and objectives

Providing high-quality technical support to clients and partners 24x7.

To achieve this goal, the following tasks were required:

• regulate the procedure for processing applications from the claims service in Russia;
• organize the process of accounting for payment terminals.

For the largest supplier of comprehensive technological solutions for organizing payment acceptance points, continuous improvement of the quality of services provided is the main principle of the business.

Project progress

During the project, incident management, service request and configuration management processes were automated.

NAUMEN specialists performed basic software settings, including:

• setting up daily updates of partner data via a sql-view query;
• setting up weekly synchronization of the organizational structure with the service catalog through the client-server access protocol (Lightweight Directory Access Protocol);
• setting up configurations (payment terminals, etc.);
• setting up daily update of information on payment terminals (“working/not working”);
• workflow setup: organizing processes for processing applications from the claims service in Russia.

Project results

Automation of IT processes based on the Naumen Service Desk software product allows you to efficiently process customer requests received by e-mail to the claims service in Russia, as well as to maintain effective records of all payment terminals of the company installed in more than 190,000 points in the Russian Federation, and quickly troubleshoot equipment malfunctions.

The solution tools allow you to generate and receive any necessary reporting.

Some 600 payment service providers (PSPs) from eight countries participate in the SCT Inst (Sepa Instant Credit Transfer) instant payment system, which allows real-time money transfers across most of Europe.

The European Payments Council is introducing instant payments system SCT Inst, fearing that the emergence of new national platforms such as the UK's Faster Payments could lead to fragmentation of the European market, similar to that previously observed in the field of current payments.

The project of the SCT Inst system includes the possibility for individuals and legal entities to make cross-border transfers in the amount of no more than 15 thousand euros. Transfers can be made in 34 countries of the Single Euro Payments Area (SEPA) around the clock and will take only 10 seconds. Payment service operators who want to increase the limit and increase the transfer speed will be able to agree on this bilaterally or multilaterally.

At the time of launch, the SCT Inst service is supported by payment service operators in Austria, Estonia, Germany, Italy, Latvia, Lithuania, the Netherlands and Spain. This means that their clients can make instant payments in euros both within their own countries and cross-border – in those countries whose operators have already joined SCT Inst earlier.

Payment service operators from Belgium, Finland, Germany, Malta, Portugal and Sweden plan to join SCT Inst in 2018-2019. Thus, the composition of participants in the SCT Inst system will gradually expand beyond 34 European countries.

Meanwhile, starting from November this year, seven major settlement and clearing systems, including EBA Clearing, Equens Worldline, Iberpay and Stet, will be able to support transactions in the SCT Inst instant payment system. In addition, at the end of 2018, the European Central Bank's Target platform for instant payments will begin operating.

Chairman of the EPC Javier Santamaría notes: “Thanks to the numerous advantages of the SCT Inst system, European payments are consolidating their position in the digital world, where transactions are possible regardless of the time and location of the consumer. The SCT Inst system is the only regional initiative of its kind in the world. The European payments community can be proud of the work that has been done to make instant credit transfers in euros a reality.

I can only advise payment service operators who have not yet joined SCT Inst to do so as quickly as possible. This improved European payments integration will bring enormous benefits to both European consumers and European businesses."

"Unified system of instant payments" is a Russian company that owns a large network of electronic payment terminals, receiving cash and allowing you to pay for the services of mobile operators, Internet access, satellite television, etc.

The company owns the payment service brand Qiwi.

Owners

Shareholder structure of the Qiwi Ltd. holding (which owns 100% of the shares of OSMP CJSC):

• Qiwi management, including A. Romanenko - 63.7%;
• Mail.ru Group - 21,35 %;
• Mitsui & Co.- 14.9% (purchased 3.8% of the holding’s shares from Mail.ru Group in December 2010 for $24.1 million; at the same time acquired 11.1% of Qiwi from its founders for $72.1 million) .

Management

Story

JSC "Group e-port" was founded in 1999 Boris Kim.

Holding structure today:

• payment service "Qiwi" (JSC "OSMP");
• payment system (electronic money system) “Qiwi Wallet” (Mobile Wallet LLC);
• bank "Qiwi Bank" (CJSC "Qiwi Bank");
• company for advertising on terminals “Qiwi Advertising” (Direct Contact LLC);
• lottery organizer LLC “Loto Integrator”;
• manufacturer of fiscal registrars "Paykiosk" (Pay Kiosk LLC).

Performance indicators

Turnover of the Qiwi payment service:

The number of payment acceptance points and direct payment terminals, respectively:

• for 2007 - 160 and 90 thousand;
• for 2008 - 176 and 115 thousand;
• for 2009 - 194 and 128 thousand;
• for 2010 - 170 and 100 thousand;
• for 2011 - 180 and 120 thousand.

The company's processing system processes the following share of instant payments through terminals in Russia:

One of the most important for OSMP B2C-projects - electronic money system “Qiwi Wallet”. The system's share among Russian electronic money users is 10% (Yandex.Money - 15%, Webmoney - 10%, PayPal - 6%). In the first half of 2012, the system’s turnover amounted to about 62 billion rubles. , in 2011 - 67.3 billion rubles, in 2010 - 26.8 billion rubles, in 2009 - 11.7 billion rubles. , in 2008 - more than 9 billion rubles. The number of active users of the system in 2010-2011 was from 6.5 to 8 million.