O payment system"Peace"
The Mir payment system is the Russian national payment system. The payment system operator is “ National system payment cards "(JSC" NSPK "), which is 100% owned by the Bank of Russia.
All domestic transactions with plastic cards of international payment systems began to be processed on the territory of Russia through the processing of the operational payment and clearing center of the NSPK (OPKTS NSPK).
The Mir payment system began its work in December 2015, at the same time the first Mir cards were issued.
The Mir payment system is an important element of the country's economy and guarantees its residents financial independence from the influence of external political and economic factors. In addition to Russia, more than 35 countries of the world have successful experience in building national payment systems, first of all, these are countries with the world's leading economies.
In Russia, the national payment system "Mir" was created in a record short time- in just 1.5 years.
"Mir" for residents of Russia
Why Mir?
The name and logo of the payment system were selected following the results of an all-Russian competition, in which more than 5,000 works from different parts of Russia took part. Every Russian had the opportunity to go down in history of the creation of the Russian national payment system.
Every citizen of the country can apply for a Mir card!
Why is Mir better?
100% government support The national payment system "Mir" was created with the support of the state for the convenience of clients of Russian banks. JSC NSPK, the operator of the national payment system, is 100% owned by the Bank of Russia. High level of safety and reliability Mir cards comply with the requirements of world security standards, including when making payments on the Internet. Each Mir card is equipped with a chip that provides a high degree of protection against fraudulent actions. Variety of card products Everyone can choose their own "World". The Mir payment system offers a wide product line for future cardholders. Additional features Holders of Mir cards will have access to special conditions loyalty programs of the payment system itself, as well as various advantageous offers from partners of the Mir payment system. Contactless payment technology is already available on Mir cards. In addition, non-financial services are developing - social, transport and other applications. |
Independence from foreign policy events Unlike international payment systems, transactions with Mir cards cannot be suspended. No external economic and political factors can affect the performance of payments with Mir cards. Ease of use All usual payment transactions using the Mir card are available. By July 1, 2017, Mir cards will be serviced by all retail outlets that accept cards. The most reliable card for recreation in Crimea With Mir cards, you can safely go to Crimea. All conditions for the functioning of the Mir payment system have been created on the peninsula; all ATMs and retail outlets in the region are ready to accept and service cards. |
JSC NSPK
The national system of payment cards of Russia was created on July 23, 2014, and does not depend on foreign companies and investors.
Activities are regulated by Federal Law No. 161 "On the National Payment System", "The Strategy for the Development of the National Payment System" and "The Concept for the Creation of a National System of Payment Cards".
Payment card "Mir" Is a national bank card that has been developed and implemented in Russia. The card is modern and easy to use, created on the basis of Russian technologies, meets all security standards - both Russian and international. With the Mir payment card, you can perform all the usual banking operations: withdrawing and depositing cash to a card account, paying for purchases and services, including on the Internet, transfers from card to card in Russia.
More complete information about the Mir card can be found in the material: "Mir payment card - logo, payment system operator, card appearance, card information, banks, photos of cards of different banks".
The approved logo of the Mir payment card looks like this:
MIR payment system
The creation, issuance and organization of acceptance of national payment cards of the Mir system is the most important stage in ensuring the financial sovereignty of Russia, therefore the development and implementation work was carried out at an accelerated pace in order to exclude various interference in the work banking system Russia from outside.
So, for example, during the period of the US imposition of sanctions against Russia, certain international payment systems(Visa and MasterCard) working on financial market Russia, joined these sanctions by blocking the operation of Bank Rossiya and SMP Bank cards since March 2014, which showed the vulnerability of our banking system. Sobinbank (controlled by Bank Rossiya) and Investkapitalbank (controlled by SMP Bank) indirectly suffered from this sanction. All payments by clients of banks that fell under sanctions (even payments within Russia) were blocked, which instantly created huge problems for the population and banks.
Therefore, the Bank of Russia is carrying out systematic work that will allow MIR cards to take, if necessary, a leading position in the Russian market of payment services. The card is planned to be accepted throughout Russia, and it will be possible to use it to make usual payment transactions (withdraw cash, pay for purchases in retail chains and the Internet, make contactless and mobile payments ...). At the same time, work is underway to promote it abroad in order to make international payments by cardholders.
An important point in the operation of the payment system is the safety of issued cards. For this, in 2015, NSPK JSC passed the procedure for assessing compliance with the requirements of the international Payment Card Industry Data Security Standard / PCI DSS 3.1 and received a certificate of conformity:
Certificate PCI Compliance DSS 3.1
It is also important that with the Mir payment card, thanks to the created national operationally independent platform, the processing of domestic transactions is carried out only on the territory of Russia. And earlier, before the creation of the NSPK, information about any operations of citizens of the Russian Federation using the MPS cards was sent for processing to processing centers located abroad, which is not safe today.
JSC "NSPK" has developed a sketch of the appearance and decided on the "conditional" design of the map "Mir", which looks like this:
MIR card from NSPK
The "World" card number starts with the number 2, which indicates that the card belongs to the Russian national payment system "Mir".
Bank card payment system MIR accepted for service only on the territory of the Russian Federation... But you can also pay with a Mir card abroad, which is implemented through co-badging projects, that is:
- by issuing cards, joint with international payment systems;
- with the help of mutual acceptance of cards of the national payment systems of the two countries.
Debit cards Mir allow you to carry out the following operations:
- receive wages, allowances and other payments to the card account;
- pay for goods and services in retail outlets with the Mir logo;
- pay for goods in online stores;
- withdraw cash from ATMs and cash points where the Mir logo is indicated;
- commit Money transfers to cards of payment systems "Mir", Visa, MasterCard;
- pay for utilities and other services;
- repay loans at ATMs and in the Internet bank.
On the issue of the first bank cards "Mir"
In December 2015, the Bank of Russia and the National Payment Card System (NSPK) announced the start of the issue of Mir bank cards of the Mir Russian payment system in the first seven Russian banks. The list of banks that were the first to issue Mir cards includes:- Gazprombank,
- MDM Bank,
- Moscow Industrial Bank,
- Svyaz-Bank,
- RNKB (Crimea),
- Bank "Russia",
- SMP Bank.
- MIR debit cards - 90 rubles.
- Classic debit cards "MIR" - 450 rubles.
- MIR premium debit cards - 2,000 rubles.
MIR cards from SvyazBank
And in 2016, the largest banks of Russia, such as:
- Sberbank of Russia (from November 3, 2016),
- VTB24 (since October 24, 2016),
- Promsvyazbank (since October 18, 2016),
- Rosselkhozbank (since October 11, 2016)
- Bank Saint Petersburg (from 20.09.2016), etc.
- Classic card MIR - "MIR Classic" for budget transfers.
- Pension card MIR is a debit card for receiving a pension.
- Gold card Mir - for budget transfers, emphasizing the status of the holder.
Until the end of 2016, Sberbank provided the possibility of accepting cards of the national payment system "MIR" in more than 82 thousand of its self-service devices (100%) and in 500 thousand of its POS-terminals throughout the country (almost 60% of Sberbank pos-terminals). In November 2016, 8,500 stores of X5 Retail Group (Pyaterochka, Perekrestok, Karusel) began accepting Mir cards from Sberbank, covering 56 regions of Russia at once.
In 2017, Sberbank provided acceptance of MIR cards in all POS terminals of Sberbank, which makes it possible to pay by card in most retail outlets throughout Russia. In 2018, Sberbank already offers its customers three types of Mir cards. The design of MIR cards is made in the usual Sberbank style and looks like this:
Pension card MIR of Sberbank
Classic card MIR of Sberbank
Sberbank MIR gold card
But JSC "GENBANK", which is actively developing its presence in the banking market of the Republic of Crimea, started issuing Mir cards in the first quarter of 2016. The bank decided on the design of Mir cards a long time ago, having executed it in a patriotic style - this is “Globe, reflecting the scale of the future development of the common national payment system of Russia and white doves, which are a symbol of peace”. Today the bank issues 3 types of Mir cards:
- Debit.
- Classic.
- Premium.
WORLD from GENBANK
All 3 cards of JSC "GENBANK" have the same design, but the color scheme is different.
International integration of the national payment card "Mir"
If today NSPK JSC is faced with the task of maximizing the distribution of the Mir bank card in Russia, then the task for the near future is to enter the international arena. The Mir payment system will be able to go abroad through co-badging programs with international payment systems.In June 2015, an agreement was signed to issue co-badging cards under the Mir and Maestro brands, and in July 2015, an agreement of intent was signed to issue co-badging cards with international payment systems JCB and American Express (under the Mir-Maestro brands , Mir-JCB and Mir-AmEx).
In addition, the promotion of Russian national cards abroad begins primarily with cooperation with the national payment systems of the countries of the Eurasian Economic Union, namely:
- "BELKART" - Belarus
- Armenian Card (ArCa) - Armenia.
In July 2017, the first transactions with Mir cards in the infrastructure of the ArCa payment system were successfully completed. The settlement bank of the national payment system "Mir" for transactions between the two payment systems is VTB Bank. All settlements are carried out in the national currencies of the Russian Federation and the Republic of Armenia.
The following Russian banks were the first participants in the project, which implies mutual acceptance of cards of the national payment systems of Russia and Armenia in the payment infrastructures of two countries: Mir cards in Armenia and ArCa cards in Russia:
- Alfa Bank,
- Center-invest,
- Uraltransbank.
Transfer of state employees and pensioners to bank cards "Mir"
If we analyze the NSPK statistics on the participants of the Mir payment system, then the conclusion suggests itself that the majority of Russian banks are not interested in the implementation and development of the national payment system, since they do not want to burden themselves with unnecessary troubles and obligations, therefore they are not in a hurry. The slow and limited adoption of card types can be called hidden resistance. There is another reason - close ties with international payment systems (Visa, MasterCard ...), which provide the possibility of settlements abroad.A classic example is Sberbank. For example, as of March 2018, Sberbank of Russia offers its customers 15 types of debit cards, of which only 3 types are offered by the Russian payment system Mir, which is only 1.3%. The fact that Sberbank prefers payment cards
Visa system can be seen from the table:
| №№ | Types of cards of Sberbank | Map international payment Visa systems | Map international payment MasterCard systems | Map international payment Maestro systems | Cards Russian payment MIR systems |
|---|---|---|---|---|---|
| 1. | Classic card with individual design | Yes | No | No | No |
| 2. | Youth card with individual design | Yes | Yes | No | No |
| 3. | Classic card | Yes | Yes | No | Yes |
| 4. | Pension card | No | No | No | Yes |
| 5. | Classic Aeroflot card | Yes | No | No | No |
| 6. | Aeroflot Gold Card | Yes | No | No | No |
| 7. | Premium card "Aeroflot" | Yes | No | No | No |
| 8. | Youth card | Yes | Yes | No | No |
| 9. | Gold card | Yes | Yes | No | Yes |
| 10. | Classic card "Give life" | Yes | No | No | No |
| 11. | Golden card "Give life" | Yes | No | No | No |
| 12. | Give Life Platinum Card | Yes | No | No | No |
| 13. | Instant card | Yes | Yes | No | No |
| 14. | Pension card "Active age" (discontinued) | No | Yes | Yes | No |
| 15. | Platinum card with big bonuses | Yes | No | No | No |
| Total: | 13 | 6 | 1 | 3 |
I would like to understand what prevents Sberbank from offering its customers, for example, youth, instant or, let's say, MIR cards with an individual design !? If this strategy is continued by the largest bank in Russia, then what can be expected from other banks! After all, not the entire population of Russia visits "abroad" or makes payments with cards abroad, so why not increase the variety of types of cards in the Mir system. After all, this is due to the financial sovereignty of Russia.
The situation with the implementation of the Mir payment system is quite possibly influenced by the international payment systems Visa and MasterCard, which are resisting the loss of influence on the Russian market and its further decrease. Recently, these systems have become very active in terms of introducing various benefits and conducting various campaigns to stimulate customer acquisition.
Terms of transfer of state employees and pensioners to "Mir" payment cards
In order to improve strategic security financial and credit system the country and its security from external influences The Bank of Russia has made additions to the Federal Law "On the National Payment System". Russian President signed the federal law dated 01.05.2017 No. 88-FZ "On Amendments to Article 16-1 of the Law of the Russian Federation" On Protection of Consumer Rights "and the Federal Law" On the National Payment System ".The law provides for a phased transfer of state employees and pensioners to Mir payment cards, namely:
- Until July 1, 2017 - banks are obliged to ensure the acceptance of national payment cards "Mir", in all of their intended for making payments using payment cards in devices, including ATMs.
- From July 1, 2017 - when public sector employees, including pensioners, apply to open a new account that provides for the use of payment cards to receive cash payments, banks will be required to issue a Mir card.
- Until July 1, 2018 - employees budgetary sphere that are served by the Ministry of Railways must be transferred to the map "Mir".
- After the expiry of the validity period of the MPS cards previously issued to pensioners, but no later than July 1, 2020, the pensioners should be issued with Mir cards (instead of cards that are not national payment instruments that they use at the time of the introduction of Law No. 88-FZ.)
Participants of the Mir payment system - 2018
The number of banks joining the Mir payment system rules will constantly increase. So, as of March 20, 2018, 370 banks out of 551 (data as of 03/01/2018) of banks operating in Russia became members of the Mir Payment System, which is 67.15%.As of March 20, 2018, 366 banks started to open the acquiring network, which is 99.8% of the participating banks and 66.42% of the total number of operating banks.
But the number of banks that, as of 03/20/2018, already issue Mir cards (became issuers) is much more modest and so far amounts to only 147 banks, and this is only 39.7% of participants and 26.4% of the total number of banks in Russia as of 03/01/18. So, all banks in Russia are still very, very far from the 100% operation of the payment system and the substantial issue of Mir cards. At the beginning of 2018, data on the number of credit institutions issuing and / or acquiring payment cards in Russia looks like this:
No matter how many banks in Russia become members of the Mir PS and begin to open an acquiring network, until the banks participating in the system start issuing cards, i.e. will not become card issuers - there will be no significant progress in the work of the national system "Mir".
Win back Russian market with international payment systems it is already extremely difficult, and then there is also the "slowness" of banks mixed in. True, during 2016 - 2017, the three largest banks of Russia, which have the most extensive and largest branch network, started issuing Mir cards - these are Sberbank of Russia, VTB24 and Rosselkhozbank.
The Central Bank noted that the mass issue of Mir cards will begin only when the largest banks in the top 10, which make up 85% of the infrastructure, start issuing Mir cards. The largest Russian banks planned to start issuing Mir cards starting from the 3rd quarter of 2016. By the end of 2017, large banks began to issue Mir payment cards.
In Russia, the first virtual card PS "Mir" has already appeared, the release of which was launched on November 21, 2016 by the Bank "RUSSIA". It should be noted that Bank RUSSIA, which has come under Western sanctions, is at the forefront of the development and launch of banking products based on Mir payment cards.
Active work is underway to connect store terminals for servicing Mir cards. Thus, the Mir card can already be used to pay in many large retail chains throughout the country:
| №№ | List of retail chains working with Mir cards |
|---|---|
| 1. | "METRO Cash & Carry", |
| 2. | IKEA, |
| 3. | Hypermarkets "AUCHAN", |
| 4. | Hypermarkets "Globus", |
| 5. | Supermarkets "Azbuka Vkusa" |
| 6. | Supermarkets "Bill", |
| 7. | Supermarkets "Victoria", |
| 8. | Chain of stores "Sportmaster", |
| 9. | Fast food chain "McDonald's" (all over Russia), |
| 10. | Fast food restaurant chain "Teremok" (in Moscow and the Moscow region), |
| 11. | Cafe "Jean Jacques" and "De Marco", |
| 12. | Cinema network "KARO" and "Formula Kino", |
| 13. | In many supermarkets "Azbuka Vkusa" |
| 14 | Salon network "Wild Orchid", |
| 15. | The network of Tele2 salons (in Moscow and the region), |
| 16. | Stores Yves Rocher, L'Etoile, Ile de Beaute and others. |
It must be said that the work of banks on the implementation of the Mir NPS is proceeding slowly: some have already started full-scale issuance and maintenance of cards, others are carrying out preparatory work to launch it or are just testing a pilot project for issuing cards, and still others are just preparing for this process. ... In addition, individual banks do not bother themselves with the variety of offered cards.
The history of the creation of the national map of Russia
The creation of a national map of Russia with its own logo is due to the fact that the time has come for this, and there is a real need to protect the work of the Russian banking system from various outside interference.In 2014 at state level it was decided to create a National Payment Card System. On July 23, 2014, NSPK JSC was created, and in the fall of the same year, several banks were selected to participate in a pilot project for testing a technological platform for processing banking operations.
The first cards were planned to be issued in December 2015, for which from April 08, 2015 to May 28, 2015, an all-Russian competition was held for the best name and logo of the first Russian payment card, which was organized by JSC National Payment Card System.
The winner of the competition was Elena Sosnovskaya, a resident of Udmurtia, who offered to name the map - "World" with the following logo:
WORLD map logo
To obtain more complete information about the "Mir" cards, you should also familiarize yourself with the material - Payment card "Mir": complete information about the card.
For information: All data in the material are taken from the websites of the Bank of Russia, PSPK and banks.
Yekaterinburg Municipal Bank was founded in 1994 in the city of Yekaterinburg. There are 4 large offices in this city regional bank EMB. There are more than 80 EMB ATMs in the city of Yekaterinburg.
Yekaterinburg Bank provides its clients with the opportunity to use the bank's services via the Internet. To do this, you need to enter Personal Area.
First, you need to go to the official website http://www.emb.ru, then select "Internet service", then click on "login and registration in the system." On the new page, you need to enter the username and password received during registration and click enter.
You find yourself in your personal account, where all your cards and accounts of this bank are visible, now you can use all the bank's services via the Internet, make payments and transfers.
Registration of personal account EMB Bank
If you do not have a username and password, then you can get it yourself, through the official website. Going from the official site http://www.emb.ru to the "Internet service", then "login and registration", and "Register". A new window will open with 6 empty fields that need to be filled in:
Registration of a personal account in EMB Bank
- Enter the card number, loan agreement or deposit number, you need to specify the last 16 digits
- Enter passport number
- Enter the phone number, ten digits starting from "9".
- Come up with and enter your username, which will subsequently be used to enter your personal account
- Come up with and enter your password by which you will enter your personal account
- Re-enter password to check accuracy
- Check the box "I have read the requirements and accept them"
- Enter text from picture
Password recovery from personal cabinet EMB Bank
It is impossible to recover the password through the official website on your own. If you click on "Forgot your password?" On the login page Then a message will be displayed that in order to restore access, you will need to contact the bank branch, having your passport with you, as shown in the picture below.
Password recovery from personal account
EMB Bank mobile application
For the convenience of using the Internet bank on mobile phones, EMB has developed a special mobile app... You can download and install it for free by clicking on the picture with the version you need.
After downloading it, you need to log in, similar to entering your personal account on the site, you need to enter your username and password. All actions are available in the application, as in the Internet bank, from transfers to any payments.
The national payment card Mir of the Russian payment system of the same name has been issued since 2015 by banks of the Russian Federation, ensuring its holders are independent from the work of international payment systems (MPS). As you know, MPS Visa and MasterCard in 2014 "distinguished themselves" by the fact that they stopped serving cards of a number of Russian banks, depriving customers of the opportunity to pay with their help for goods and services, and withdraw cash from ATMs.
Currently Bank card The world has the same functionality as the cards of the aforementioned MPS, and there is no need to worry about the possibility of accepting cards in various retail outlets, since it is stipulated at the legislative level that all banks must ensure the acceptance of national payment instruments from July 1, 2017. We will discuss in this article who is the guarantor of the uninterrupted functioning of the national card, where it can be obtained, and what will change for a Russian when it is used as a payment instrument.
National Payment Card System (NSPK) - operator of the "Mir" payment system
After the imposition of sanctions against Russia by the United States in March 2014, clients of some Russian banks (the account goes to hundreds of thousands of people) experienced them for themselves. First, Visa and MasterCard blocked operations with SMP Bank cards without prior notice, and then this fate affected a number of other banks. Such actions on the part of the Ministry of Railways were a clear threat to the financial system and economy of Russia, in connection with which in the same month the President of Russia approved the idea of creating a national payment system to ensure the interests of the country, and in May he signed Federal Law No. 112-FZ " On Amending the Federal Law “On the National Payment System” and Certain Legislative Acts of the Russian Federation ”.
The consequence of this law was the creation in July 2014 joint stock company"National Payment Card System" (NSPK), the main function of which was to ensure the efficient and uninterrupted provision of services for card payments within the country. The NSPK was assigned the following tasks:
- Creation of a payment infrastructure for processing all internal Russian transactions with cards of international payment systems within the Russian Federation;
- Creation of a national payment system.
Transfer of all domestic card transactions inside Russia
The first task of the NSPK was to develop and test the appropriate infrastructure for the complete transfer to Russia of processing (processing operations) on cards of international payment systems issued Russian banks... The fact is that the chain of passage of a transaction during a card payment in a merchant (merchant) necessarily includes an intermediate link (data processing center), which is located between the acquiring bank (servicing payments in merchant within the service) and the bank - by the issuer (who issued the card). This link is the operator of the payment system, which plays a key role in the processing of transactions: all authorization requests (obtaining approval for a card operation) go through it.
If the processing center is located on the territory of another state, then any political aggravation of relations can lead to undesirable consequences, as happened between the United States and Russia. As part of the imposition of sanctions, the United States influenced the transnational IPS Visa and MasterCard, which are under the jurisdiction of the United States, and the latter blocked card transactions of some domestic banks.
It was after these events that Russian specialists began to develop from scratch all the necessary infrastructure for processing internal Russian transactions using cards of third-party payment systems, and did this most difficult work in just 5 months, in full compliance with modern security standards of the Ministry of Railways. An operational and payment clearing center was created, which could perform the assigned task, "closing" all internal Russian operations within the Russian Federation.
For reference: the operations center performs the functions of exchanging electronic messages between all NSPK participants, and the payment clearing center ensures, within the framework of the payment system, the acceptance for execution of orders of its participants on the transfer Money(Funds are not debited from accounts immediately after payment for the goods, they are first, but at the end of the day there is a mutual settlement between banks).
Thus, in 2015, all domestic card transactions of the IPS Visa and MasterCard were processed on the territory (under the jurisdiction) of Russia (including in Crimea), and for the refusal of banks participating in the IPS to send requests for transactions with cards of other banks to the NSPK large fines were imposed (so that foreign banks operating in the territory of the Russian Federation did not follow the sanctions and did not block requests from those banks on which the sanctions were imposed by a foreign state).
The danger of centralized blocking of card transactions within the Russian Federation from abroad has passed, but the risks of denial of service, despite high fines, still remain - a large number credit institutions are "daughters" of foreign banks. Therefore, the second most important goal of the NSPK was to create a national payment system and a national payment card.
National payment system Mir
The creation in 2015 of the national payment system Mir (hereinafter referred to as the NPS) is an equally important step in the development of the economy and financial system countries that guarantee the uninterrupted operation of card transactions and one hundred percent independence from external sanctions. By the way, this “all-encompassing” name and logo appeared as a result of the All-Russian creative competition, the winner of which was Elena Sosnovskaya, a resident of Udmurtia.
NSPK is the operator of the Mir PS, having created an operational and clearing center based on Russian technologies. Another integral function - the settlement center, is performed by the Central Bank of the Russian Federation (when using national payment instruments).
For reference: the settlement center ensures, within the framework of the payment system (PS), the execution of orders of the PS participants, debiting and crediting funds to the bank accounts of PS participants, as well as sending the corresponding confirmations.
The Mir payment card is issued by domestic banks on the basis of the Mir NPS. Thus, the Russians are offered (on a voluntary and compulsory basis) a completely domestic banking product. At the legislative level, it is enshrined (see Federal Law No. 88-FZ dated 01.05.2017 that:
- From July 1, 2017, the card will be issued to all state employees who open new bank accounts to receive budgetary payments (including salaries);
- From July 1, 2018, state employees who are already receiving payments will receive them on the Mir card (by this time, such persons should already have this card in their hands);
- Until July 1, 2020, all state employees will receive pensions and other social benefits from The Pension Fund Russia, including judges in this way, will receive monthly life support.
Bank card World. What is it and where can you get it in 2017?
What is this for a Russian?
First of all, the national bank card Mir is a payment instrument that can be used to pay for goods or services (for now) on the territory of Russia (including on the Internet), make transfers and withdraw money from ATMs. In Crimea, it will also be accepted for payment. A Russian paying within the Russian Federation will not notice any difference between plastic cards of well-known international payment systems and his new card. The only problem that may arise, at least at first, is that not all retail outlets will accept cards for payment.
There is no need to worry about large retail chains, they all already accept these cards. Such an obligation to accept national Mir cards for payment has arisen since 2017 for sellers whose revenue for the previous calendar year exceeds 40 million rubles (Article 1 of Law No. 88-FZ).
At the same time, the law exempts from such obligations trading enterprises with an annual revenue of less than 5 million rubles, or if the merchant is located in a place where there is no cellular or no internet access.
It is unlikely that small and medium sellers will ignore the possibility of accepting Mir cards - they will simply lose potential customers. Moreover, support for national payment instruments, as a rule, is achieved through flashing, installed by banks as part of the acquiring service. In addition, by July 1, 2017 (Article 2 of Law No. 88-FZ), all credit institutions are required to provide such support.
How to pay abroad?
There are two ways to pay abroad:
- Checkout Visa card or MasterCard - they will also be issued by all banks (the law does not abolish the use of international cards on the territory of the Russian Federation);
- To issue a so-called joint card with international payment systems at the bank.
Now plastic cards "Mir" -Maestro (for example, in MTS-Bank and Gazprombank) and "Mir" -JCB (Gazprombank) are available. Co-badging projects with American Express and UnionPay are expected. Such plastic will work in Russia as a Mir card, and abroad it will be accepted in the international acceptance network Maestro or JCB.
Technical nuances
Russian banks currently can issue three types of Mir bank cards: classic, premium and debit.
The first two types can be credit and debit, and the last type is budget debit or prepaid (including unnamed). The cost of servicing each of them is determined by the issuing bank.
The first appearance of the family of national cards was accompanied by not the most flattering reviews: the holders talked about the absence of bonus programs (loyalty programs), cashback, functions (without it, the risks of losing their money when paying online increase). It was practically impossible to pay for plastic on the Internet. What is the current situation (mid-2017)?
The MirAccept technology, an analogue of 3D Secure, has been implemented, although not all banks support it yet (a matter of time). Find out about its support from your bank and pay attention to the presence of the corresponding logo on the website of the merchant. The technology of contactless payment (analogue) has also been implemented - cards with this capability are already being issued by a number of banks (for example, SMP Bank, Moscow Industrial Bank, etc.).
As for loyalty programs, according to statements on the official website of the NPS, in the fall of 2017, holders will have access to a loyalty program from PS Mir, when up to 10-15% cashback will be returned to the card account in money, and not bonus points. The program will be tested with several banks and retail outlets, and then all other PS participants will be included in it.
Nevertheless, already now in a number of banks there are various bonus programs, for example, Rosselkhozbank with a 5% refund when refueling at TNK and Rosneft gas stations, or SMP Bank with miles accrued, and so on. WITH complete list promotional programs you can find on the official website of the PS: http://mironline.ru/.
According to reports from the official resource, the list of organizations and online stores that accept cards on the Internet is expanding.
Where can I get a card and pay with it?
Quite an impressive list of banks where you can get a card can be found on the official website in the "Participants" section.
Among them are Sberbank, VTB 24, Gazprombank, Alfa-Bank, Russia, etc. The list of banks issuing the card is constantly expanding - no one wants to be out of work and be late for the "distribution" when a huge number of state employees rush to issue plastic to receive payments. It is possible that for security reasons, and, in the end, patriotism, many people will issue cards as main or salary.
In the same section of the site, you can find a list of retail chains that accept the card for payment.
And using the Locator service, you can find all ATMs serving the Mir card in your locality.
Hello dear readers. The topic of today's article is the Mir bank card.
You all remember that some time ago Western countries imposed sectoral sanctions on many Russian banks. That is why the government of the Russian Federation made a timely decision on the formation of the National Payment System of Cards and the issue of bank plastic cards under the NSPK.
National System Plastic Cards(NSPK)
Banks with the best credit cards in 2017
NSPK system
The NSPK system has been implemented since the beginning of 2014, and to date, the operational and payment clearing center for processing bank card transactions has entered into agreements with payment systems of other countries to transfer domestic transactions to the national processing center.
Transferred to NSPK:
- June 19, 2015 with MasterCard using Maestro cards;
- July 7, 2015 with the Japanese JCB system.
- In July 2015 with the American system American Express.
World map issue
Since December 2015, most Russian banks have been connected to the issue of the mir card. Among them are such as:
- Gazprombank;
- SMP Bank;
- MDM Bank;
- Communication bank;
- Sberbank;
- Bank Russia.
What does the world map from Sberbank look like? As of May 2017, there are more than 300 issuing banks.
Sberbank of Russia joined the issue of Mir payment cards in the second half of 2016.
Currently the spectrum available services on the map Mir, issued by the Sberbank of Russia, it is represented quite widely. We will get acquainted with this list in detail below.
The world map is presented on the Russian banking market in several versions.
Debit card
Debit card world: overview Since the national payment system began operating not so long ago, the list of banks issuing the Mir card is constantly expanding. An ordinary client, before ordering it, needs to familiarize himself with the list of banks that are represented in his region. This is not entirely convenient. It is much easier and safer to use the service of issuing a plastic bank card from a time-tested bank. V in this case we are talking about Sberbank.
Please note: the world's most active Sberbank card is being distributed in Moscow and the Moscow region.
Well, the list of Sberbank branches in your region or city can be found at this link.
Credit
Credit card world: overview With the development of the banking sector, it will be possible to receive a Mir bank card in the execution of a credit card.
As you already understood, in terms of its functionality, the Mir bank card practically does not differ from a regular credit card. And for this, all the documentation that the bank presents to the borrower will be similar:
- The client needs to prove their official income.
- Provide proof of identity.
- Help 2-ndfl.
Note, if you receive a credit payment card mir at Sberbank, but are not participants in the salary program, that is, you do not receive salary to an account with this bank, then you will need to submit additional documentation.
How to get a map of the world
To receive a card, the world Sberbank offers several available ways.
Getting a map of the world online
The easiest way is to get a world debit card online on the Sberbank website. By clicking on this link, you can fill out an application.
You will need to indicate your full name, contact and passport information. After filling out the application, the manager will contact you shortly and explain the next steps. Usually, the world card is received at the nearest bank branch at the client's place of residence.
Please note: when making an application online, you do not need to visit a Sberbank branch again. You will only come to receive the card. It is possible to deliver a bank card by courier service to the client's home.
At the bank office
In order to order the issue of a bank card mir directly when you visit the office, you need to meet the standard requirements for bank card users who Sberbank presents for its clients:
- You must be at the age of 14 at the time of receipt.
- You must have a permanent or temporary residence permit / registration on the territory of the Russian Federation.
- When visiting a bank office, you will need to present a document confirming your identity, fill out a form,
Additional requirements and tariffs can be found here.
How to replenish or withdraw cash from a card world
The world bank card issued by Sberbank in all self-service devices and ATMs of this bank is served. A list of ATMs and payment terminals can be found at this link.
Card replenishment is made in various ways, which are also available for cards of other payment systems:
- You can deposit cash in any payment terminal or ATM, if it has functionality with cash acceptance.
- You can transfer money by non-cash method from any account of a third-party bank.
Usually, to make a payment, it is necessary to enter in the payment details such data as the client's full name, card number and account number for crediting funds.
- Replenishment is also available from any debit card of Sberbank, namely using the service "", "", as well as any payment terminal or ATM.
Terms of crediting funds to the card world
Usually, when replenishing by any of the above methods, funds are credited to your card no later than the next business day from the moment they are credited to the bank account.
- Another way to top up debit card Peace- visit the Sberbank office and contact the manager.
To do this, you tell the bank employee the card number and show your passport. You can also provide the card account number and bank details that issued this card.
Opportunities and conditions for a bank card world
You can get all the information you are interested in about the transactions carried out on the card:
- By calling the contact center of Sberbank
- Receive a cash flow statement to your e-mail.
- Connect sms informing in the service Mobile bank from Sberbank.
- In the Sberbank Online service, generate a statement for any period you are interested in.
You all know that servicing debit and credit bank cards is quite expensive. As for the Mir bank card, Sberbank offers the following terms of service:
You can find out about other features and capabilities of the world map, what state employees and when they are transferred to use this card.
from this video:
Advantages and disadvantages of a bank card world
Like most other services and banking products, in the case of the Mir card and the national payment system, there are advantages and disadvantages.
Pros:
- Enough low price for service. For example, the cost of VISA or MASTERCard service is higher. And sometimes it reaches up to 500 rubles a year, depending on the bank.
- Widespread use: online payments are available to you.
- Card reliability: Since this bank card was issued in Russia, the possibility of blocking it by foreign payment systems is minimized.
- Interest-free transactions in terminals and ATMs of the issuing bank.
Minuses:
Currently, the World map is not widespread enough. Although more and more banks are connecting to the national payment system, only 3.5 million bank card details have been issued. But, the situation in the near future may change significantly, because Sberbank alone is scheduled to produce about 20 million units by 2020.
This concludes the review of the Mir bank card issued by Sberbank and others financial institutions... If you have any questions or want to write a review - leave in the comments. We will supplement this article with the most detailed of them.