Easypay electronic payment acceptance system. EasyPay is a payment system in Belarus. Transfer from card to card

EasyPay (from the English "easy" - easy, convenient; "pay" - to pay) is an electronic payment system launched in 2004. The service is designed for instant payment for goods and services on the Internet. The unit of calculation in this system is the Belarusian ruble. The EasyPay project is the brainchild of Belarusian companies Belgazprombank OJSC (a commercial bank of the Republic of Belarus) and Open Contact LLC (a large provider of Internet services in Belarus).

Any person can become the owner of the EasyPay electronic wallet - both a citizen of the Republic of Belarus and a person who is not a resident of it. However, the legislation of this country establishes age restrictions on the use of electronic money: the purchase of electronic currency by persons under the age of 14, as well as the withdrawal of electronic money by persons under the age of 18, is carried out through their legal representatives.

To register in the system, the user must fill out a special form on the official EasyPay website, first agreeing to the terms of the agreement with Belgazprombank OJSC and Open Contact LLC, and then entering his email address and anti-spam code. After that, a letter with a registration key is sent to the provided e-mail (it must be entered in the form to confirm the mailbox). Next, the user will need to indicate which country he is a resident of, enter a password to enter the wallet (8-25 characters long, consisting of Latin letters, numbers and additional characters), a question for identification by phone and an answer to it.

The wallet is managed via a web application or via a mobile phone via SMS. The latter method is available only to subscribers of Belarusian mobile operators velcom, MTS and life :). is available on the official EasyPay website.

To activate SMS-account management, an EasyPay client during the registration process will need to indicate the operator of the cellular network, of which he is a client, and the active mobile phone number from which the control will be carried out.

Upon completion of registration, the e-wallet details are displayed in the browser window: a reusable code for confirming payments (four-digit numeric code) and account identification number (eight-digit numeric code). This information is secret and is provided only once - during registration. The specified details should be saved and proper data protection ensured to prevent unauthorized access to the wallet.

The user can change the reusable payment confirmation code, as well as the password for entering the system in the "Management" section of his e-wallet.

EasyPay features

All EasyPay wallets are endowed with a certain status. There are 4 types of wallets in the system: "Simple", "Simple +", "Personal" and "Certified". Depending on the status of the wallet, the user is endowed with one or another volume of available types of operations. At the same time, the higher the status of the wallet, the higher the set of available functions.

The minimum set of features is provided to the owners Simple wallet. This status is assigned to each EasyPay user and makes it possible to pay for goods and services from the catalog of goods and services registered in EasyPay. Also, for owners of the Simple Wallet, there are restrictions on payment (90 base units per day) and the maximum balance of funds (1000 base units).

The base value is an economic indicator that takes into account the purchasing power of money. At present, 130,000 Belarusian rubles correspond to one basic amount.

In order to raise the level of your wallet to the level Simple +, the user will need to provide the system with his personal data (full name, passport data, address of residence, mobile phone number).

The owner of the purse, endowed with the "Simple +" status, gets the opportunity to pay for goods and services from the catalog of goods and services registered in EasyPay (up to 90 base units per day); top up your e-wallet from other payment systems (up to 30 base units per day and up to 90 base units per month); withdraw funds in various ways. The maximum account balance is limited to 1000 base units.

In order to raise the status of the wallet to the level " Personal", the user must link the wallet to his mobile phone number.

The following functions are available to Personal wallet owners: payment for goods and services from the catalog of goods and services registered in EasyPay (for up to 90 base units per day); transferring funds to other EasyPay users (up to 30 base units per day and up to 90 base units per month); replenishment of EasyPay account from other payment systems (up to 30 base units per day and up to 90 base units per month); cash withdrawal to a Belgazprombank bank card, as well as to other payment systems. The maximum account balance is limited to 1000 base units.

In order to raise the level of your wallet to the level of " Certified", the user will have to go through the identification procedure, conclude an agreement directly with Belgazprombank and bind the Belgazprombank card to his wallet. After that, within 3 banking days, the Belgazprombank employee assigns the Wallet a Certified status.

For owners of Certified Wallets, there are only 2 restrictions: up to 90 base values per day for transferring funds both within the system and outside it (up to 2700 base values for transfers within the system and 450 base values outside the system per month).

Deposit and withdrawal of funds, service fee

There are five ways to deposit funds into EasyPay:

by bank card (using a Belgazprombank card tied to the wallet, free of charge, except for credit cards, replenishment from which is subject to a 1.5% commission; through the Internet banking system, more than 15 banks with a 2% commission; at ATMs and self-service kiosks with a 2% commission; no fee is charged for depositing funds through the Internet banking system and ATMs of Belgazprombank);
in cash (at post offices throughout Belarus, free of charge; at the cash desks of more than 20 banks, the commission is 2%, except for Belgazprombank, at the cash desks of which no commission is charged for entering; in Svyaznoy stores, with a 2% payment of the amount in favor of EasyPay + salon commission);
using payment terminals (through QIWI terminals, fee 2% + terminal commission; Paritetbank self-service terminals, 2% payment of the amount + self-service terminal commission; Paritetbank terminals, 2% of the amount; Cash-in terminals of Alfabank, 2% of the amount + terminal commission; info kiosks of Belagroprombank, 2% of the payment amount; TBCPay terminals (Georgia), 0% commission);
from the personal account of a mobile phone (life :) and MTS operators with a commission of 2% + commission of the iPay payment system);
using payment instruments (exchange from WebMoney systems, Wallet One, LiqPay, Alfa-Click, TeleMoney, Promsvyazbank). The purchase rate is determined at the time of the transaction.

Withdrawing funds from the EasyPay system can be done in 2 ways:

transfer of funds to a Belgazprombank bank card linked to a user's wallet;
cash payment at a branch of Belgazprombank. The disadvantage of this method is that the client is limited by the bank's operating hours, and also the fact that if within 7 banking days from the date of registration on the website of the application for cash withdrawal the user does not contact the bank branch to receive funds, the amount presented for issuance will be refunded to an electronic wallet minus a 3% commission.

To withdraw funds from the system, the user must have an electronic wallet with a status not lower than Simple + (indicate your personal data in your personal account).

For withdrawing funds from the EasyPay system, a commission of 3% is charged, unless otherwise specified individually by an agreement with Belgazprombank.

Users can also exchange EasyPay e-currency for the currency of other payment systems. The exchange rate is set by each exchange office individually at the time of the transaction.

When paying for goods and services, no commission is charged from the owners of EasyPay wallets, however, funds are credited to the account of suppliers of goods and services that are not connected to the system of a single settlement and information space (ERIP) with a commission of 2% of the payment amount.

For transfers within funds from one EasyPay wallet to another, the system takes a commission from the sender in the amount of 2%.

The user will have to pay 25,000 Belarusian rubles to restore the lost wallet details.

The system also provides for the cancellation of the payment or its redirection to new details in the event of an erroneous transaction. The search for an erroneous payment is carried out at the request of the user. If the error occurred through the fault of the user himself, and not through the fault of the bank, the cost of this service will be 25,000 Belarusian rubles.

System security

To ensure security, the EasyPay system provides multi-level protection.

First, the wallet is accessed via a secure SSL connection.

Secondly, all transactions on the account are confirmed by the wallet owner using a reusable control code issued to the user during registration or using a one-time control code card (1 card contains 30 codes). This card is paid, when ordered by mail its cost will be 13,000 Belarusian rubles (in terms of the Russian ruble - about 50 rubles). Delivery is carried out only within the territory of Belarus. The card can also be purchased at one of the 8 branches of Belgazprombank.

Thirdly, the user has access to information about all visits to the wallet (the user is provided with information about the IP address of the computer from which the system was logged in, the date and time of logging into the system), as well as about transactions on this account.

Fourthly, in order to avoid getting to phishing sites (fake sites-copies of EasyPay), a welcome phrase is displayed in the wallet of each user (for example, "It's easier for us to manage people than to prevent them from managing us"), the text of which the client can replace on your own.

Fifth, at any time the user can block his wallet if any suspicions arise.

Sixth, in the "Management" section, the wallet owner has the ability to restrict access to the wallet by IP addresses and countries.

Pros and cons of the payment system

Advantages:

high level of security;
protection of consumer rights (when making payments when purchasing goods and services using EasyPay, the user receives an invoice, which is legally equivalent to a regular cashier's check);
convenient management (to work with the wallet, the user does not need to install special software, it is enough to have any browser and access to the Internet on his computer; clients of Belarusian telecom operators can also manage the wallet via SMS).

Flaws:

inaccessibility of a number of functions to people living outside the Republic of Belarus;
commission for transferring funds within the system;
high commissions for entering funds into the system;
transfer limits and account balance;
limited options for withdrawing funds;
impossibility of withdrawing funds for anonymous users;
the system works only with the Belarusian ruble.

Electronic currency has appeared in the Internet space quite a long time ago as a convenient and alternative way to receive and pay for services.

In 2004, an electronic payment system easypay was created, designed specifically for the citizens of Belarus.

She quickly gained popularity among regular visitors of the Internet space.

This was largely due to the ease of use of Easy-Pay in all aspects - from registering a wallet to making any transactions.

System features and purpose

The main purpose of the system is online micropayments. As part of the use of EasyPay, any user has access to a wide range of services and opportunities.

This includes:

Online payment for mobile communications;
Transfer of funds to other holders of the Easy-Pay wallet;
Making purchases and paying for services on the Internet;
Payment for housing and communal services;
The ability to withdraw cash from an electronic wallet;
Linking a wallet to a mobile phone;
Payment for TV and Internet;
Tickets for cultural and entertainment events, as well as train and air tickets.

This payment system operates only on the territory of the Republic of Belarus, therefore, it is impossible to use its services while in another country.

At the moment, the system has become so popular that more than a hundred online stores, Internet providers, mobile operators, etc. have already connected to it.

The high degree of protection that Easy-Pei offers to its customers guarantees the safety and security of their funds.

Reliability is the result of a combination of several EasyPay features.

First, the developers have implemented a one-time password system, which already significantly reduces the risk of becoming a victim of a fraudster. It is almost impossible to guess the password, because after the third unsuccessful attempt, the system blocks the wallet.

Secondly, the innovative system of the so-called "unique greeting", which also helps you not to be afraid of theft of your funds: if you, entering the site, do not see the greeting you are used to, you will know for sure that you almost got into the network, cleverly placed by scammers.

And finally, it is possible to block the wallet completely: if you have reason to seriously fear a hack, you have the right to block your account.

The creators of the system have found another way to secure their clients' money by introducing a so-called virtual keyboard.

Thus, keyloggers - one of the most popular types of fraud for such systems - never get a chance to gain access to your data.

By typing the control code on the virtual keyboard, you remain protected, even when working on someone else's computer.

The currency of this electronic system is the Belarusian ruble. Another, no less pleasant feature of Ili-Pei is that in order to use it, you do not need to install any additional software.

Mozilla Firefox, Opera, Microsoft Internet Explorer, familiar to the majority, are enough. There is no subscription fee for using the system.

The full list of services available thanks to Easy-Pei can be found on the system's website in the column "Opportunities".

One of the most significant advantages of the system is the absence of a commission for any services and any transactions.

No other payment system (,) can provide its customers with such a generous offer.

Perhaps that is why more than ten percent of online users from Belarus have already discovered all the advantages of this system.

The technical support of the system is designed to solve any problems of its customers arising in the process of working with EasyPay.

To get an answer to a necessary question or help in the implementation of any financial transactions.

However, before writing to the support service, you should familiarize yourself with the list of the most popular questions: perhaps it is in this section that you will find the answer to your own.

Registration and creation of EasyPay wallet

So, in order to register in the system, it is enough to follow a simple algorithm of actions.

A prerequisite is being on the territory of Belarus, because otherwise all financial transactions will be inaccessible to the owner of the new wallet.

Registration is anonymous.

At the first stage, you need to enter the "Registration" section, for this use the special by reference or go to it through the main page, as shown in the photo below.

All that is required from a new user is to fill out a registration form, which will provide him with a connection to the system and the ability to perform any monetary transactions provided by the system.

The user can choose a language convenient for himself - Russian, Ukrainian, English and German.

It is already possible to assess the reliability of the security system, because immediately after entering the phone number in the appropriate field, you will receive a security code that must be entered and thus complete the registration procedure.

Further - the conclusion of an agreement with EasyPay. After the user has completed both steps, he receives an identification number consisting of eight digits, as well as two passwords - one for immediate entry into the system, and the second - a control code.

Both passwords can subsequently be changed at will by the system participant.

How to replenish and cash out an electronic account

As soon as the user has an electronic wallet, he can immediately replenish his virtual account, and subsequently withdraw cash from it.

Since the system has existed for a long time and is constantly evolving, there are more and more new ways to replenish the wallet and withdraw funds: using a phone, terminal, banks, post offices, etc.

In order to replenish the account, you can use any method convenient for the wallet holder.

For example, come to a special cash collection point created for EasyPay. The good news is that there are almost 3000 such points on the territory of Belarus, so it will not be difficult to find the center closest to you.

There you will need to name your e-wallet number and the amount to be credited to the account. Money, as a rule, goes there immediately or, in rare cases, within 24 hours.

Also, money is deposited on Easy-Pei using Visa, MasterCard cards in any Belarusian banks.

By the way, you can link several bank cards to your wallet at once and use them as needed - this is another advantage that this payment system provides.

Depending on the point of enrollment, a commission may be charged from the wallet holder. The timing of the transfer of money to the account also depends on this.

For example, replenishment of an account through the terminal threatens you with a deduction of 1.5% of the total amount.

If you want to put money on your wallet using the post office, then you will not have to pay anything extra, but the transfer will have to wait a little longer - perhaps about a day, not half an hour or an hour.

Cash out is no more difficult than depositing it into an account.

There are three ways to withdraw money from the system.

Transfer to a bank card of a Belarusian bank;
Cash withdrawal at one of the branches of Belgazprombank;
Transfer to another payment system (for example).

You can withdraw money from the system by going to the branch of the Easy-Pei partner. As mentioned above, there are a lot of them on the territory of Belarus, and all operations to withdraw money do not take longer than one day.

Detailed instructions can be found in the "Deposit and Withdraw" section on the official website of EasyPay.

In general, Easy-Pei is a good choice for residents of Belarus.

The disadvantages of the system can only be attributed to the fact that it is limited to the territory of one country: users living abroad cannot access even the minimum range of services offered by the system.

Also, wallet owners cannot choose their preferred currency, their choice is limited only by the Belarusian ruble.

However, the system still remains extremely popular on the territory of the Republic of Belarus, and every year more and more online stores and providers become its partners, which indicates that its advantages significantly exceed the disadvantages.

Pioneer in Belarus in the implementation of electronic payments using the Internet and short SMS messages. This system was launched in November 2004 as a joint project of Belgazprombank OJSC and Open Contact LLC. The system uses the Belarusian ruble as a currency.

The EasyPay system has suspended the opening of new e-wallets for individuals since May 2017. Since that time, the system has been at the stage of modernization. It is important for EasyPay wallet holders to know that by June 25, 2017, electronic money in electronic wallets of individuals must be withdrawn from the system by paying for services, or redeemed.
From July 4, 2017, the owners of identified wallets can apply to the cash desks of Belgazprombank with an identity document to receive funds for redeemed electronic money. Commission: 3% (in accordance with the list of the Bank's remuneration). Unidentified users can also contact the Bank's cash desks with an identity document.

EasyPay registration

In order to take advantage of all the conveniences of the Aizipey electronic wallet (as some users incorrectly call this electronic wallet), you must register on the official website. Having entered the site, you need to click on "Register wallet". The procedure is quite lengthy, but very simple and does not require any special computer skills.

In the window that opens, you will be asked to familiarize yourself with the agreements and regulations, after which you should confirm your consent and click the "Next" button.

The next step is to enter a valid email address and the numbers in the picture. Having entered the e-mail, you should copy the registration key and paste it into the appropriate field of the site and click the "Next" button.

Then there is a binding to a mobile phone number. A mobile operator is selected, a code and a phone number is driven in.

At the next step, you must enter your personal data: full name, passport data and contact details.

At the penultimate step, a reusable control code will be provided for all operations in the system, as well as the identifier (number) of the wallet. Then press the button "Proceed to activation".

At the final stage of wallet registration, in the window that opens, enter the wallet ID, password and reusable control code, and then click the "Activate" button.

To replenish the Izipey e-wallet Belarus, you should use one of the following methods:

in the offices of RUE "Belpochta";
at the box office "";

EasyPay e-money transfer will cost a small amount of 3% commission.

For security purposes, in addition to the reusable control code, the EasyPay system uses a virtual keyboard. To block phishing attacks, a winged expression is integrated, which is chosen by the user himself, seeing which, you can be sure of the authenticity of the EasyPay system.

If you notice an error in the text, please select it and press Ctrl + Enter

EasyPay is the official Belarusian electronic payment system designed for fast payments via the Internet. EasyPay is the brainchild of the provider Open Contact LLC and Belgazprombank OJSC, and the electronic money circulation carried out using this system is regulated by the Resolution of the Board of the NBRB. Since 2004, both citizens of Belarus and any other citizens can use EasyPay services: everyone can open a wallet in the system - there are no discriminatory restrictions on the rules for using its services. True, there are age restrictions for users under 18 years old: they will not be able to operate with electronic money without the participation of their legal representatives. EasyPay's currency is the full-weight Belarusian ruble.

On the Internet, the site of the system is located at. Impressions from the site are the most positive: a lot of information, easy navigation, everything is "laid out on the shelves", there is a very detailed one. You can start your wallet in a couple of minutes, and you don't even need to enter personal data. True, it is stipulated that if problems arise without certain data about its owner, it will be almost impossible to restore the wallet, and there are also some restrictions for anonymous users in terms of withdrawing cash and unlimited access to all the system's capabilities. It is gratifying that no additional, even the smallest, programs need to be installed on a computer either: all operations are carried out either through the website or by sending SMS from a mobile phone. The system has taken a serious approach to solving the security issues of its clients' funds, therefore it inspires confidence. For greater reliability, you can even use a special card, entering a new code every time you carry out an operation, but you will have to pay for it.

Money can be put into a wallet in different ways: using the cash desks of Belarusian banks, or the services of Belarusian post offices, as well as using Internet banking, a plastic card of Belgazprombank, via SMS, transfer from other electronic payment systems. For some reason, the site indicates that the passage of a payment can take a significant amount of time - up to 1 banking day when replenishing via mail, but in practice the money comes quite quickly. You can withdraw funds only through any branch of Belgazprombank (in this case, you will have to pay a commission in the amount of two percent of the withdrawn amount) or to a plastic card. System users can transfer money from wallet to wallet within the system both while on the site and using a special SMS service, but the latter option is available only to subscribers of Belarusian mobile operators. By the way, you can create an electronic wallet in EasyPay directly from your mobile phone! I am also glad that you can buy other electronic currencies for EasyPay - MoneyMail, WebMoney, RBK Money, Yandex.Money, etc. If you wish, you can link the EasyPay wallet to your wallet in the WebMoney system: how to do this is described in detail and shown in pictures on the website systems.

Like any electronic payment system, EasyPay is very convenient for making payments on the Internet for goods purchased at auctions and in online stores in Belarus, for payments and services, mobile operators. With EasyPay, you can buy computer games, tickets, domains, with their help you can repay loans and even pay in Russia for the same utilities, mobile communications, the Internet, and so on.

Many are connected to EasyPay, and it is really very convenient: store owners are guaranteed from the tricks of fraudsters by irrevocable payments, provided with technical support and advice. At the same time, they will not be able to get confused when working with the system: the administrative interface through which payments for goods are controlled, invoices are issued, payments are received and messages are sent to customers at any time of the day, is simplified as much as possible. In order to work with the system, you just need to conduct legal business, have a current bank account and place the store's website on one of the paid hosting. Also, this electronic payment system is very picky about the information that the store reports about itself and its goods. In particular, the following are mandatory:

placement of reference and contact information about the country, the actual and legal address of the store, the region of service;
indication of phone numbers for contacting the support service, e-mail "and for sending e-mails;
a complete description of the goods sold, their characteristics and consumer properties on the store's website is possible, so that incomplete information about the goods does not serve as a reason for the return of the payment made;
clear and detailed instructions on how purchases are made in the store, how ordered goods can be paid;
comprehensive information on the delivery of goods.

All this is necessary in order to nullify possible claims for the return of payments already made.

The EasyPay system can interact with online stores using the SOAP protocol or through the light version, for which the store needs an electronic key issued by the system upon connection and the presence of Perl or PHP on its hosting. A pleasant surprise is that connection to the system is absolutely free.

As for the shortcomings of this fairly young electronic payment system, they include the limitation of the maximum amount of one transfer, a relatively large percentage for replenishing an account from a card or terminal, as well as for transferring money within the system. So while the system is undergoing development and it is convenient to use it only for residents of Belarus.