In 2015, Belarusians can use various systems to pay for utilities via the Internet. Users note many advantages of using such systems when paying for utilities, and they all boil down to a high level of comfort when accessing a bank card remotely.
It is important to remember until what date you need to pay public Utilities... Regardless of how the client makes a payment, payments must be made no later than the 25th day of the month following the reporting one.
Through internet banking
Internet banking - electronic system customer service of the bank, namely holders plastic cards.. This system exists in Belinvestbank, Belagroprombank, Priorbank, etc. Internet banking is convenient both for customers and for the banks themselves. With an increase in the share of transactions carried out using this system, the daily and specific periodic load on bank branches, ATMs and payment terminals noticeably decreases. The widespread use of Internet banking in Belarus leads to the fact that banks no longer need to increase the number of staff working in branches directly with clients, and to an increase in departments. information technologies and computer security.
Payment for utilities is one of the many reasons for mastering and using the Internet banking system in the Republic of Belarus. This procedure is carried out through the ERIP (single settlement information space). Although this system allows you to pay from anywhere in the world, and the only requirement is Internet access, the use of ATMs and payment terminals to pay for housing and communal services is also very popular.
In order to pay for utilities through Internet banking, you must:
- Register in the system
- Know the required personal accounts
- Have the required amount on your bank card
When making a payment through the Internet banking system, no commission is charged.
Via PLATI.TUT.BY
PLATI.TUT.BY is a round-the-clock payment system that provides a high level of security of confidential information. The creators of the system guarantee the promptness of the transfer of funds to their destination. No commission is charged for making payments through this system.
In order to pay utility bills through PLATI.TUT.BY, you need to perform the following algorithm:
- Go to the page of the payment system PLATI.TUT.BY
- Indicate the card number (the window for entering data is in the upper left corner of the page). It is recommended to perform this action at the very beginning of work with the system, since the list of services for clients of different banks may differ.
- Select the required settlement (region).
- Select the required service
- Enter the required data for the payment (personal account number, phone number, payment amount, meter readings, etc.)
- On the secure page, to which the system will redirect you, you should enter additional information about the card, as well as your phone number and email address.
Via E-PAY.BY
E-PAY.BY - Belarusian electronic system of payment for services. In addition to utilities, here you can pay for train tickets, operator services cellular etc. There are different limits and restrictions for different payments. You can familiarize yourself with a detailed list of limits on the system website in the "How to pay" section.
To pay for utilities through this system, you must follow these instructions:
- Go to the website E-PAY.BY
- Enter the number bank card with which payments will be made. It is recommended to perform this action first, since the list of available payments may differ depending on the bank that owns the card.
- Select the required region or city
- Select the service you want to pay
- Enter the required contact (personal) information
- After redirecting to a secure page, you will be asked for additional data e-card and other confidential information
Regardless of which system you choose, before paying for utilities via the Internet, make sure that you have all the necessary data to carry out transactions. If you are using a personal computer or laptop, make sure that the virus databases of your antivirus software are up to date and that no one can see the confidential data you enter. If you use an ATM or payment terminal, make sure that there are no foreign elements on the device in general and on its screen in particular. For all questions arising in the payment process, you can consult the information department of your bank.
While especially conservative Belarusians are afraid to pay on the Internet and still occupy lines at banks and post offices, others are actively exploring the Internet space, which confirms the extremely rapid growth in the volume of payments on the Internet. Ivan Yaruk, Director of WebPay LLC, spoke at TUT.BY studio about how much money Belarusians spend on the Internet, whether it is safe, what services and goods can be paid for on the Internet now and what card is needed for this.
- Ivan, tell us about WebPay and what services it provides to its clients.
- The WEBPAY ™ system provides services for servicing financial transactions on the Internet, made through plastic cards of the international payment systems Visa and MasterCard. We are the link between the seller and the buyer. And if the user decides to sell something on the Web, then we will accept the payment and the next business day we will credit the money to his account.
- It turns out that a user, having a card, for example, Visa Electron of almost any bank, can pay for certain services or purchases in stores connected to your system?
- In stores connected to the WEBPAY system, the user can use a card of any bank in the world and pay for goods, services, including utility bills through the ERIP system.
- To date, transactions on the Internet with bank cards Visa and MasterCard are not supported by only one, the largest bank in Belarus - Belarusbank. Bank representatives call this a temporary phenomenon - they are completing the implementation of 3D-Secure technology (designed to increase the security of payments using Visa and MasterCard bank cards on the Internet), and in the near future the holders of these cards will be able to pay for utilities presented in the WEBPAY system and placed on PLATI.TUT.BY.
- Explain to our users what ERIP is.
- ERIP is a unified settlement and information space, the payment system of Belarus, designed to pay through the bank for the services of state and communal organizations, postal and electrical enterprises, and so on.
The ERIP system was organized by National Bank... It was created several years ago. For payment with bank cards on the Internet, it was presented about a year ago, about half a year PLATI.TUT.BY has been operating.
- Do you use WebPay services yourself? How long have you been paying on the Internet and what exactly?
- I pay utility bills. Today ERIP provides about 1400 different services, including also a fee for Kindergarten... The whole spectrum will now be very difficult to list - it will be easier to go to PLATI.TUT.BY and look there.
- How many Belarusians use the services of this service today?
- About 500-600 transactions take place per day. And by the number of users - about 50-70 thousand people.
- What is your growth forecast? What results do you already have for the current year? How much has the figure grown?
- If we compare the first quarter of 2010 and the first month of the second quarter, then in general the growth in the WEBPAY system was 100%. Utility bills are steadily increasing monthly by 15%, there are also jumps. When it became possible to make payments to PLATI.TUT.BY, in the first month there was a noticeable 80% jump.
- Is the commission charged when using the services of the WEBPAY system through PLATI.TUT.BY? Also, users are concerned about the issue of security when paying for services on the Internet.
- WITH natural person no commission is charged. As for security, our company is annually audited by Visa and MasterCard for the security of the WEBPAY system. However, on the issue of security, you can never relax. We follow the development of electronic business in the world, constantly improving our software and also trying to introduce something new.
- Can you say with confidence that today the security level of the system is 100%, or is the shield and sword race going on all the time?
- No company in the world will give you a 100% security guarantee, including such grants as Visa and MasterCard. The confrontation between the shield and the sword is constantly present. Therefore, it would be wrong to say that someone's security is 100% unique. As you know, the Pentagon, Washington, and NASA were also hacked. Nobody is immune from this.
- How often are payments canceled in your system? What is the reason for this?
- When paying for services, there are cases when the user mistakenly indicates the wrong phone number for which the payment was made. There are about ten such cases per month, no more. With regard to commodity services, travel and others, there are also cancellations. For example, a person bought an air ticket, but for one reason or another his date was postponed, and he cancels the purchase. Travel companies have the option to make a refund on their own. We try not to participate in this scheme, providing our clients with all the technical possibilities.
- Have there been any cases of fraud? Have stolen bank card numbers passed through the database, for example?
- Unfortunately, there is fraud in the field of e-commerce all over the world. For Belarus, e-commerce is still a fairly new direction, and we also had isolated cases of fraud. V in this case we are trying, and we still manage to work quickly enough in such situations. In case of suspicion of fraud, we transfer information on this fact to the Department “K” of the Ministry of Internal Affairs. As practice shows, all cases that took place in one way or another were brought to their logical conclusion.
- And in all these cases, users did not suffer and in the end received all their money back?
- If we talk about card holders, then there are two options. If a person uses a bank card that uses the 3D-Secure system, then according to the rules of Visa and MasterCard, such a card has a password - this is a kind of PIN, like the one used at an ATM when withdrawing cash. You use the same password when making payments on the Internet. If a person passed the password or information on his card to another person who used this information for personal gain, then in this case no one will return the money to the card holder.
If the card is standard, with one PIN-code, which is the main one in Belarus (as of today, there is no bank in Belarus that would introduce and could provide cardholders with such a PIN-code for payments on the Internet), then the money is returned to the owner.
So the user has no reason to worry. However, it is imperative that you keep your card only with you.
- In the first quarter of 2010, the turnover of funds exceeded 1 billion rubles. What numbers can you name six months later? Is there a dynamic?
- For six months, the turnover of funds has increased by about 110-120%. By the end of the year, at least a twofold increase is expected. I don’t want to give up, but perhaps it will be a fivefold increase. In any case, we will exceed our own record by at least 100%.
- What share of payments is for services, and what is for goods?
- Services account for 40%, and goods - 60% of payments. If we talk about the number of transactions, then they mainly pay utility bills, mobile communication, loans and deposits.
- What is holding back the development process? We conducted a survey on this topic on the TUT.BY forum, and many said that not all services for which they would like to pay (for example, transferring money to an arbitrary current account of various companies) are available on the Internet. They don't want to go to ERIP? But, as I understand it, is it possible to conclude an agreement with you?
Yes, an agreement can be concluded directly with the WebPay company. But as to why they do not apply, it is difficult to give an unambiguous answer. Legal entities (kindergartens, schools, cooperatives) are very active in applying to ERIP.
Perhaps not everyone has had time to apply. But there is dynamics - 10-20 new services appear monthly.
- How many services can you pay today throughPLATI.TUT.BY ?
- When paying for utilities - the list is about 1300 services. Also, 140 more legal entities are connected here, which provide a variety of goods and services. This is already connected directly to us, and when we make a payment, first the money goes to the Priorbank account, and the next day - to the account legal entity with whom an acquiring agreement has been concluded.
- We would ask users who are already using our service to send their wishes and suggestions regarding services to us by e-mail: [email protected]... It is much more convenient to do this without leaving your home than standing in queues at the checkout, at any time of the day and day of the week and in any weather. This service is very convenient. It is enough to try it once in order to understand this and believe that if you paid for services or goods via the Internet, then your money really went to the required current account.
To users who are not yet payers on the Internet, I would like to advise - do not be afraid, try it. Rumors that after you pay for services on the Internet using your card, it will be stolen from you are already outdated. I will emphasize that the WEBPAY system does not store or collect card data. Payments are made directly and are completely secure.
16.11.2018
The fact is that payment of utility bills by the service provider is the ERIP "Calculation" system. We recommend that you contact the ERIP "Calculation" system contact center by phone number 141 or write to the e-mail address and clarify information on the data issued for payment.
The system provides acceptance of payments by bank cards Visa, MasterCard and BELKART, on the e-pay.by/plati.tut.by resource, bank cards issued by banks of the Republic of Belarus and Russian Federation... But some banks may set a limit on the cards issued by them for payments on the Internet. In this case, to obtain complete information about the possibility of making payments via the Internet using a card, you should contact the Customer Support Service of your bank by the phone number indicated on the back of your card.
Sending messages with a code to confirm payment is provided by the issuing bank (the bank that issued the card). Therefore, if you have not received an SMS, we recommend that you contact the issuing bank (the support phone number is indicated on the back of your card), and clarify information about sending messages.
After entering the card data and the appearance of a page with information on blocking the amount and the field for entering this amount, you need to call the card issuing bank, say that you are trying to make a payment on the Belarusian resource, and currently the amount in dollars must be authorized on the card USA up to 4 USD. After the bank employee names this amount, you need to enter it in the input field and complete the payment. You can enter the amount both with a comma and a period. You must enter not any amount, but the one that our system blocked for verification and the bank employee will tell you (in US dollars). Information about the amount of the blocked amount is available only to the employees of the issuing bank, as well as the conversion rate of your card's currency into US dollars.
The WEBPAY system does not charge a commission when making a payment. However, we draw your attention to the fact that some banks may set a commission when making a payment on the Internet. We recommend that you clarify this information in the customer support service of your bank by the phone number indicated on the back of your card.
To cancel the payment, you must contact the service provider and clarify the information about the cancellation. Or you can contact the ERIP Settlement Contact Center by phone number: 141 or write to the e-mail address and clarify the information on payment cancellation.
The received notification is for informational purposes only and informs only that the return in the WEBPAY system was carried out successfully. Term of enrollment Money on the card depends on the issuing bank (the bank that issued the card). We recommend that you clarify information about the terms of enrollment Money to the card at the issuing bank.
Connected online stores / sites about the "Settlement" ERIP system
When connecting, the period for testing the WEBPAY system depends on you, as well as the period for preparing a package of documents and bringing the site in accordance with the requirements. When everything is ready for connection, we transfer the documents to OJSC "Non-bank credit and financial organization" ERIP ". To date, documents are reviewed within 2 weeks.
Connected online stores / internet acquiring sites
After we have received your application, the manager will contact you during the working day using the contact information specified in the application. If you have not been contacted after this time, call us on + 375 17 269 04 30 or write to the website
When connecting to Internet acquiring, the website (online store) must meet certain requirements that are established by current legislation, the requirements of international payment systems and acquiring banks. You can get acquainted with the requirements here.
Open settlement accounts v Belarusian rubles in partner banks WEBPAY is not required. Only in cooperation with BPS-Sberbank OJSC is it necessary to have a current account with this bank. For "Priorbank" OJSC and OJSC "Belagroprombank" it does not matter in what Belarusian bank a current account has been opened.
You can invoice customers through Personal Area WEBPAY, while no additional technical settings on the site are required. If you plan to accept payment directly on the site, then you will need to configure the module (for example, as a "basket") in accordance with the WEBPAY technical documentation.
When connecting, the period for testing the WEBPAY system depends on you, as well as the period for preparing a package of documents and bringing the site in accordance with the requirements. When everything is ready for connection, we transfer the documents to the bank. Today the bank reviews documents within 3-4 weeks.
The system provides acceptance of payments by bank cards Visa, MasterCard and BELKART, regardless of the bank in which country of the world the card was issued. Please note that some banks may set a limit on the cards issued by them for payments on the Internet.
For developers
Please check the data that you transfer in the POST request. Pay attention first of all to the presence of required fields, the correctness of the transmitted links, as well as the amounts (only two digits after the separator, "." Or "," are allowed).
e-PAY ™ accepts bank cards for payment BELKART, VISA, MasterCard and Maestro.
Service payment service e-PAY ™ from home or office is economical, simple and available around the clock via the Internet.
Varieties of banking VISA cards and MasterCard, which you can use to pay for services:
What you need to know about E-PAY.BY:
1. Commission for making a payment when using a bank payment card is 0%.
2. All payments are completely safe and the card number is not stored with us (data transfer takes place using the latest secure algorithms, encryption and data transfer protocols). At the same time, any possibility of interception of confidential information is excluded. Data is transmitted in encrypted form and is stored only on a dedicated server of the WEBPAY ™ system
3. Money is credited to the account as quickly as through the bank
4. Payments are made around the clock
5. List possible payments not inferior to banking
How do I make a payment?
1. Pay at any bank without commissions
Forget about looking for a branch of a particular bank in order to make a payment in favor of an organization that is served by this bank. ERIP includes 23 banks of Belarus and RUE “Belpochta. Therefore, you can pay through any bank, payment terminal or Belpochta branch - and ERIP will not take a commission.
Just make sure to clarify whether the bank itself or the Service Provider to which you are making the payment takes its additional commission for the type of payment you need.
2. No receipts
Payers from time to time complain that they are required a receipt confirming the fact of payment for a particular service in the ERIP. So - no one has the right to demand this from you! Article 251, paragraph 4 Tax Code RB and Decree No. 200 on administrative procedures are on your side! According to these legislative acts of the Republic of Belarus, payments made through the ERIP do not require confirmation by paper receipts.
Just save the transaction number in the ERIP, which will be displayed on the check. And that will be enough. The system stores information about all completed payments.
And all the authorities that, in violation of the aforementioned legislative acts, nevertheless require paper receipts from you, are obliged to check the payment of the corresponding payment themselves.
3. ERIP payer number
When paying through ERIP, the system automatically assigns you an absolutely unique number - the ERIP payer number. Save / write down this number for yourself and make all subsequent payments through it. Thus, your personal basket of payments will gradually be formed (personal accounts, contract and telephone numbers, other data), the data on which the system will remember for 100 days and thereby significantly speed up and simplify the payment procedure.
To form a block of constantly paid payments, you must:
- make a payment at a payment acceptance point. After the payment is made, the payer's number in the ERIP will be reflected in the check;
- enter the payer's number in the ERIP;
- choose the territorial location of the service;
- select a group (subgroup) of services;
- choose the service to be paid for;
- enter the information necessary to make a payment (for example, a personal account, contract number, phone number, UNP, etc.).
This procedure must be followed for each payment that you want to add to your personal payment database.
4 . Cancellation of payment
If you have made an incorrect payment, then call the ERIP Contact Center by phone 141 and informing the operation number in the ERIP system, which is unique in itself and is indicated on the check, find out if the recipient of the payment for this service provides the opportunity to cancel the payment made. You will be informed of the contact details of the organization in favor of which the payment was made, and you can apply there for explanations on the return of the transferred money.
5. Entering data when paying for utility bills
Enter the readings of water meters or report them to the bank / post office operator exactly at the time of the payment for housing and communal services in ERIP. In this case, the current data of the meters is needed - that is, those that you see on the meters themselves, and not the water consumption. The system calculates the flow itself.
Instructions for entering data from water meters:
Step 1: Select the service in the ERIP tree "Utility payments AIS" Settlement-Housing and Communal Services "
Step 2: Enter the personal account number, check the payer's full name, address, payment period
Example:
Petrov Petr Petrovich
Minsk, Yulskaya street, 10, apt. 10
Personal account: 0987654321
Date of the request: 15.07.2017
Step 3: The screen will display information about the previous counter values. Enter the current meter value, not the actual water consumption over the past period.
Example:
Counter 1: Previous Value: 110
Counter 1: Current value: 115
Counter 2: Previous Value: 106
Counter 2: Current value: 108
ATTENTION! The screen does not display the amount of payment by counters, since the entered data will be taken into account when calculating the payment for public Utilities and included in the next month's notice when billing for the current period.
Example:
- according to indications in total (BYN) 0
According to indications, total (BYN) 0
Charged: 0 BYN.
The amount of payment to be paid for housing and communal services in the current period is displayed in the field:
Accrued / Recalculated: 50 BYN Amount.
The current value must be greater than the Previous value!
Do not enter the value "0" (zero).
If you did not consume water in the reporting month, then do not enter anything. The system will calculate the average for the last 3 months.
6. Payment by service code
If for some reason it doesn't suit you life hack number 3, then you can pay using the service code. Determine the list of services you constantly pay for and find out their codes.
How can I find out the service code? On the official website of the NKFO www.raschet.by in the section PAYERS / Search for services and payments, or contact the contact center by phone number 141.
When paying in ERIP using the service code, you need to sequentially select:
Payment in ERIP by service code:
- Enter the code and pay
to the recipient of the payment to the organization to whose address the payment was made.
7. Safe payment for purchases on the Internet
Many have already bought something online at least once and remember their worries when requesting card data. The worries are not superfluous - with all the achievements in ensuring security during online purchases, there are still enough cunning and dexterous scammers who use the data of other people's bank cards obtained in the Internet space for their own mercenary purposes.
How to shop online and protect yourself from possible problems ?
In order not to enter your bank card data when placing an order, you can pay for purchases using Internet banking through ERIP, simply using the order number that you receive with an online application. These cards in Internet banking are already personalized, so the order number is sufficient when paying through ERIP. And the purchase was made, and the details of your card were kept secret.
At the same time, in accordance with clause 1.10 of Decree No. 478 of December 1, 2017 "On the development of digital banking technologies»You even have the right to demand that the online store be able to pay for purchases made through ERIP. If, of course, the company serving the online store is located in the Belarusian jurisdiction.
In 2015, Belarusians can use various systems to pay for utilities via the Internet. Users note many advantages of using such systems when paying for utilities, and they all boil down to a high level of comfort when accessing a bank card remotely.
It is important to remember until what date you need to pay for utilities. Regardless of how the client makes a payment, payments must be made no later than the 25th day of the month following the reporting one.
Through internet banking
Internet banking is an electronic system for servicing bank customers, namely holders plastic cards.. This system exists in Belinvestbank, Belagroprombank, Priorbank, etc. Internet banking is convenient both for customers and for the banks themselves. With an increase in the share of transactions carried out using this system, the daily and specific periodic load on bank branches, ATMs and payment terminals... The widespread use of Internet banking in Belarus leads to the fact that banks no longer need to increase the number of staff working in branches directly with clients, and to an increase in departments. information technologies and computer security.
Payment for utilities is one of the many reasons for mastering and using the Internet banking system in the Republic of Belarus. This procedure is carried out through the ERIP (single settlement informational space). Although this system allows you to pay from anywhere in the world, and the only requirement is Internet access, the use of ATMs and payment terminals to pay for housing and communal services is also very popular.
In order to pay for utilities through Internet banking, you must:
- Register in the system
- Know the required personal accounts
- Have the required amount on your bank card
When making a payment through the Internet banking system, no commission is charged.
Via PLATI.TUT.BY
PLATI.TUT.BY is a round-the-clock payment system that provides high level security of confidential information. The creators of the system guarantee the promptness of the transfer of funds to their destination. No commission is charged for making payments through this system.
In order to pay utility bills through PLATI.TUT.BY, you need to perform the following algorithm:
- Go to page payment system PLATI.TUT.BY
- Indicate the card number (the window for entering data is in the upper left corner of the page). It is recommended to perform this action at the very beginning of work with the system, since the list of services for clients of different banks may differ.
- Select the required settlement (region).
- Select the required service
- Enter the required data for the payment (personal account number, phone number, payment amount, meter readings, etc.)
- On the secure page, to which the system will redirect you, you should enter additional data about the card, as well as your telephone number and email address.
Via E-PAY.BY
E-PAY.BY - Belarusian electronic system of payment for services. In addition to utilities, here you can pay for train tickets, operator services cellular etc. There are different limits and restrictions for different payments. You can familiarize yourself with a detailed list of limits on the system website in the "How to pay" section.
To pay for utilities through this system, you must follow these instructions:
- Go to the website E-PAY.BY
- Enter the number bank card with which payments will be made. It is recommended to perform this action first, since the list of available payments may differ depending on the bank that owns the card.
- Select the required region or city
- Select the service you want to pay
- Enter the required contact (personal) information
- After redirecting to a secure page, you will be asked for additional e-card data and other confidential information
Regardless of which system you choose, before paying for utilities via the Internet, make sure that you have all the necessary data to carry out transactions. If you are using a personal computer or laptop, make sure that the virus databases of your antivirus software are up to date and that no one can see the confidential data you enter. If you use an ATM or payment terminal, make sure that there are no foreign elements on the device in general and on its screen in particular. For all questions arising in the payment process, you can consult the information department of your bank.
HOW TO PAY
Payment is made via the Internet in real time immediately after placing an order.
To commit financial transaction cards can be used international systems VISA (all types), MasterCard (including Maestro), issued by any bank in the world, including those issued by Belarusbank, as well as BELKART cards issued by Belarusbank.
On the procedure for payment by cards BELKART OJSC ASB Belarusbank»
* CVV2 / CVC2 code is a three-digit control number printed on the back of a bank card. This number is usually printed in the upper right corner of the special signature strip. Entering the number is required to make sure that the card is used by the real owner.
When choosing to pay with a bank card, payment processing (including entering a bank card number) is carried out by LLC "Company of electronic payments" ASSIST "using the software and hardware complex of the ASSIST electronic payment system, which has passed international certification. The payment security system uses special technical measures to transfer confidential information from the client to the server. This means that the confidential data of the payer (card details, registration data, etc.) do not enter the online store, their processing is completely protected, and no one can receive the client's personal and banking data. In addition, when processing payments by bank cards, the secure technology 3D-Secure is used, which is required by the international payment system VISA and MasterCard.
To pay using this method:
1. After clicking on the "Pay" button, the system will direct you to the website of the electronic payment provider belassist.by, which ensures the safety of payments. The authorization server establishes a secure TLS connection with the Buyer and receives from the Buyer the parameters of his bank card (card number, card expiration date, cardholder's name in the transcription as indicated on the bank card, as well as the CVC2 or CVV2 number specified on the back of the card). Payment by credit card online is completely confidential and secure.
2. Enter the required information:
Select a paid service: Internet (byfly, ZALA, Maxiphone, Smart home), Phone
Select: Your region
Enter the requested information: phone number, contract number, etc.
Enter (or confirm): payment amount
Enter payer details: Name, Surname, e-mail address (E-mail) for receipt of payment
3. Your personal data and card details are entered not on the page of our website, but on the authorization page payment system... Access to them is carried out using the TLS secure data transfer protocol, the technologies of secure Internet payments Verified by Visa and MasterCard SecureCode are also used.
We accept cards of Visa International, MasterCard and Belkart payment systems of all classes and banks. We recommend that you contact your bank in advance to make sure that your card can be used for payments on the Internet.
- there are not enough funds on the card to pay for the order;
- the bank that issued the Buyer's card has banned online payments;
- the waiting time for entering bank card data has expired;
- the entered data was not confirmed by you on the payment page, data format error, etc.