Eisipey electronic wallet in Belarus. EasyPay payment system: easy to pay

Of the seven official electronic currencies of Belarus, one of them is this is Easypay from OJSC "Belgazprombank". All operations with electronic currency are carried out in accordance with the norms and laws of the Republic of Belarus. The service provides the opportunity to pay and transfer money for services and goods without leaving home, directly from mobile phone or computer. There is no need to crowd in lines at banks or terminals; all you need is the Internet and a browser. Also widely used by online stores and others. legal entities to accept payment for purchases and services provided.

Easypay is practically the same as cash, but on the Internet. Advantages - payment mobility and time saving, payments to anywhere in the country without a personal meeting, when completing the transaction you receive a check. To protect payments upon registration, the user receives a reusable control code.

Official website of the payment system easypay.by. All possible operations are performed on it, it has a Russian interface.

Easypay electronic money features:

• Make a transfer from one wallet to another,
• A large number of ways to replenish an Easypay wallet in Belarus, as well as withdraw money from it,
• Link a bank card from Belgazprombank OJSC to your account and upon further payment for any goods, the money will simply be debited from the card,
• Pay for all popular services, for example - housing and communal services, telephone, Internet, as well as for some Russian payments.

Important. As you know, with the adoption of the Presidential Decree in 2014, all clients must be identified - this means their identity is confirmed. This can be done at the bank’s office, at the post office about all the conditions, you need to get up-to-date information by going to the website. This procedure is also available to residents of other countries, for example, Russia, Ukraine.

How to top up Easypay

For Belarusians there are no problems with replenishing and purchasing easypay electronic money. You just need to compare all the methods, fees and choose the appropriate option.

• Top up any by bank card Visa or MasterCard, the issuing bank of which is located in Belarus,
• Through a network of terminals, ATMs, information kiosks, using the national ERIP payment system,
• Deposit money from your mobile phone by activating the mobile banking service, and also buy electronic easypay through ERIP.
• Go to the nearest post office or bank office and pay in cash,
• Through a network of payment terminals, from which you can also top up your EasyPay account using cash.

How to withdraw Easypay

There are two ways to withdraw from easypay:

1. To an already linked Belgazprombank card, if you don’t have it, then it’s no problem to order it. Bank commission is 3%, deposit time is instant.
2. Payment in cash at the offices of the above-mentioned bank. Commission 3%, money arrives the next day, after 12.00. If you don’t go after them within a week, they will be returned to your wallet, with an additional three percent added.
3. Payment for services and goods in online stores.

As you can see, there is no withdrawal to other banks, which is being done, I think, to popularize their own Belgazprombank cards and focus on various services, from which they also receive a commission.

How to register

Registration in EasyPay e-wallet is simple and takes little time. We come up with a password, indicate email address, we answer Security Question, indicate your mobile number if you want to link it to your account. Read the Terms of Service and then click on the Register button. A new window will appear with personal identifiers and the code that we save.

But in order to use the wallet, you need to go through identification at bank offices (free) or at the post office (20 thousand rubles). Personal presence and a passport are required! After 3 three days, you will be notified about the completion of this procedure. To use EasyPay for clients from other countries - Russia, Ukraine, identification is also required, but only at the Belgazprombank office.

Limits for one transaction, replenishment from cards, transfer between EasyPay accounts - up to 90 basic units. Details in the picture:

That’s it, I think, I answered the question “What is EasyPay” in detail. Have you ever used it?

Of all the payment systems operating in at the moment in Belarus, EasyPay is one of the oldest. But it still has a number of features that make it stand out this decision among the closest analogues. This applies, among other things, to methods of performing transactions, security of payments, and so on. EasyPay is a purely Belarusian invention. The same cannot be said, for example, about WebMoney with its Russian roots. But citizens of other countries can also use this electronic payment system.

A little bit of history
Back in 2002, the company Belgazprombank OJSC began work on creating its own payment system. But the system doesn't start working until it's resolved. organizational issues. Moreover, even this is not enough to start. It was impossible to do without a legislative framework on the relevant topic, but at that time it was simply absent in Belarus. Only in November 2033, the Government of the Republic adopted a resolution that regulated the work of payment systems that processed electronic money. The Easyay system itself began operating in the fall of 2004, exactly a year later. Easypay.by is the address of the site where the creators settled.

At that time, WebMoney also worked outside the legal framework. And EasyPay was considered as one of the possible alternatives. But it was not so easy to change the habits of users who still trusted WebMoney more. The new payment system had more and more registered users every day, but their total number grew very slowly. And EasyPay could not offer as many opportunities as the Russian development.

Now the two main competitors coexist quite peacefully. OOO " Open Contact» is responsible for technical side issue, BelgazPromBank OJSC services customer transactions.

The Belarusian ruble is the main monetary unit in the system.

True, for some reason BelgazPromBank OJSC refuses to provide information regarding cash turnover and the total number of users.

EasyPay and main features

Naturally, the system’s work is mainly aimed at making it easier for customers to make purchases in online stores. There are already more than 100 projects of this type accepting funds from the EasyPay system. Of course retail outlets those supporting the system are Belarusian. They deliver their goods throughout the entire Republic.

In addition, using EasyPay you can pay with some Internet providers, pay for the services of all mobile operators working in the country. Possibility to pay public utilities For now, it is only available to residents of Minsk.

Users can transfer funds to each other themselves. But such transactions should not be of a commercial nature. This means that the EasyPay payment system does not allow official payments for goods and services if payments are made between specific people. True, no one will check this. And in general, from a practical point of view, such calculations between users have not yet become widespread. After all, electronic money systems themselves are not very widespread yet.

The high percentage of commission on transfers is another important factor hindering the active spread of such schemes. In EasyPay it is equal to two percent. Even Webmoney itself doesn’t charge that much. But buyers are not charged any fees when paying for services or making purchases.

But EasyPay also has its advantages. For example, you can use SMS messages to make purchases. However, such an opportunity was received only by flogging Velcom subscribers and MTS. But everyone understands that this makes working with the system much easier. You do not need to install a special application on your phone to use this service. Official mobile application Yes, but not all models support it. Again, unlike WebMoney.

How's the security here?

It is worth saying right away that these issues were implemented here at the highest level. EasyPay has its own unique solutions that are not found anywhere else.

For example, “control one-time codes” are used here. In fact, this is a second password that is needed for more secure transactions. This means that for each operation, users enter not only their main password, but also a control password. Thanks to this solution, you can easily track situations if, for example, a client logs into the system and then leaves the computer. Without knowing the control code, no one other than the owner of the equipment will be able to make a purchase.

All users receive reusable control after they complete registration. But you can purchase a card of one-time control codes for 1,400 rubles. There are several of them, but after use each one immediately becomes invalid. Therefore, every operation truly becomes safer.

In addition, this system also uses its own virtual keyboard. It helps protect against spyware that specifically monitors your keys. It differs from the usual one in that letters are typed on the screen using the mouse. This is especially true for those who work on someone else's computer.

The passphrase helps protect against phishing. Each user chooses his own unique catchphrase for this. Seeing the passphrase on the main screen, the user immediately understands that he is on a real site and not a fake one.

Deposit and withdrawal of money

You can top up your EasyPay account in the following ways.

1. Transfer of funds from a Maestro plastic card issued by the bank. The operation is carried out only in the system itself.

2. Through any post office. Then there are no commissions charged for purchases at all.

3. Infokiosks and ATMs of OJSC Belagroprombank, OJSC Belinvestbank

4. Branches of settlement and commercial centers of the same banks

In different cases you will have to pay a commission from 0 to 3 percent. It takes from 2 minutes to one banking day to deposit money. The fastest transfers are from Maestro plastic cards. There are far fewer ways to withdraw funds than to replenish them.

For example, on the same Maestro cards. For this you will have to pay a commission of 2 percent. The operation is completed in 2-20 minutes. One and a half percent of the withdrawal amount will be taken if an ATM of another bank was used for this operation. But the total commission payment should not exceed 500 rubles for each client.

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

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

It quickly gained popularity among regular Internet visitors.

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 to make micropayments online. When using EasyPay, any user has access to a wide range of services and opportunities.

This includes:

1. Payment for mobile communications online;
2. Transfer of funds to other Easy Pay wallet holders;
3. Making purchases and paying for services online;
4. Payment for housing and communal services;
5. Possibility of withdrawing cash from an electronic wallet;
6. Linking a wallet to a mobile phone;
7. Payment for television and Internet;
8. 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, so 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 Pay offers its clients guarantees the safety and security of their funds.

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

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

Secondly, an innovative system of the so-called “unique greeting”, which also helps you not to be afraid of theft of your funds: if, when you go to the site, you don’t see your usual greeting, you will know for sure that you almost got into trouble online, cleverly placed by scammers.

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

The creators of the system found another way to secure their clients’ funds by introducing the so-called virtual keyboard.

Thus, keyloggers are one of the most popular types scams for such systems - do not get a single chance to gain access to your data.

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

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

Quite familiar to most Mozilla Firefox, Opera, Microsoft Internet Explorer. Subscription fee There is no charge for using the system.

A full list of services available thanks to Easy-Pay can be found on the system’s website in the “Opportunities” column.

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

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

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

Technical support of the system is designed to solve any problems of its clients that arise in the process of working with EasyPay.

To get an answer to a necessary question or assistance in carrying out any financial transactions.

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

Registration and creation of EasyPay wallet

So, to register in the system, you just need to follow a simple algorithm of actions.

A mandatory condition is to be on the territory of Belarus, because otherwise all financial transactions will be unavailable to the owner of the new wallet.

Registration is anonymous.

At the first stage, you need to enter the “Registration” section; to do this, use the special link or go to it via home page as shown in the photo below.

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

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

You can already assess the reliability of the security system, since 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.

Next is concluding an agreement with EasyPay. Once the user has completed both steps, he receives an eight-digit identification number, as well as two passwords - one for immediate login and the second a verification code.

Both passwords can subsequently be changed by the system participant if desired.

How to top up 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 quite a long time and is constantly evolving, new ways to replenish a wallet and withdraw funds are appearing: using a telephone, terminal, banks, post offices, etc.

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

For example, come to a special money collection point created for EasyPay. The good news is that there are almost 3,000 such points in Belarus, so finding the center closest to you will not be difficult.

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

Also, money is deposited on Easy-Pay using Visa and 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 transfer, a commission may be charged from the wallet holder. The timing of transferring money to the account also depends on this.

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

If you want to put money into your wallet using the post office, you won’t have to pay anything extra, but the transfer will have to wait longer - perhaps about a day, rather than half an hour or an hour.

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

There are three ways to withdraw money from the system.

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

You can withdraw money from the system by going to an Easy-Pay partner branch. 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 Withdrawal” section on the EasyPay official website.

Overall, Easy-Pay is good choice for residents of Belarus.

The only disadvantage of the system is 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 to the Belarusian ruble.

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

Easypay electronic money is a complex for paying for mobile communications, services, goods on the international Internet and transferring funds. Residents and non-residents of the Republic of Belarus who have reached the age of 18 can register and receive a login/password. Use EasyPay from any place where there is Internet access.

What kind of service is this?

Types of wallets

The EasyPay payment complex provides for the opening of 4 payment wallets: “Simple”, “Simple+”, “Personal” and “Certified”, each of which has advantages.

Important! To receive the first 2 wallets, the user registers and links his number cell phone, but to open personal and entrusted EasyPay wallets, you will need additional identification at a financial institution.

To access a wallet, a person installs a special electronic application on his work computer, where he sees his wallets and makes the required financial transactions.

Replenishment

How to top up your EasyPay wallet account:

1. Using a Belgazprombank bank card: a person links a payment card to an EasyPay wallet and tops up the account through ATMs or the Internet banking system.
2. In branches of RUE "Belpochta", salons "Svyaznoy" and branches of "Belgazprombank" according to the wallet number provided to the operator.
3. Through payment terminals of Qiwi, Partitetbank, TBCPay, Alfabank, where you enter the e-wallet number and top up your account with cash.
4. By transfer from a mobile account (for Life and MTS subscribers).
5. Through an exchange service from the LiqPay, WebMoney, Alfa-click, Promsvyazbank or TeleMoney systems.

Withdrawal of funds

Withdraw money from your wallet in one of two ways:

1. At the Belgazrombank branch, where a person applies with a passport, having previously created an application for withdrawal of funds on the website.
2. By transfer to a Belgazprombank payment card, which is previously linked to an electronic wallet.

Payment for goods and services

To purchase goods, pay for services, transfer funds in favor of third parties, top up a mobile phone or make another financial transaction, the user goes to the official website of the system https://ssl.easypay.by/. Next, he enters the wallet number and password, getting into his personal account, after which he goes to the product catalog and selects the desired category.

Using the complex, the user pays:

1. Traffic police fines.
2. Services cable television, Internet providers, mobile communications.
3. Training.
4. Games.
5. Products on different company websites that have a cooperation agreement with the Easypay payment system.

Transfer from card to card

To make a transfer from card to EasyPay card, a person must have an electronic wallet of the “Personal” or “Certified” level. You can perform the operation from the main website of the system or through exchange services that have an agreement with EasyPay to make payments.

Conclusion

EasyPay instant payments have proven themselves positively, so the popularity of the complex is growing; citizens of other countries, including Russia, use it. The convenience of paying bills, goods and services makes EasyPay practical and accessible from anywhere with Internet access.

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 circulation of electronic money carried out using this system is regulated by the Resolution of the Board of the National Bank of the Republic of Belarus. Since 2004, both citizens of Belarus and any other citizens can use EasyPay services: everyone can create 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 of age: they will not be able to operate electronic money without the participation of their legal representatives. EasyPay currency is full Belarusian ruble.

On the Internet, the system’s website is located at . The 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 . You can create your wallet in a couple of minutes, and you don’t even need to enter personal data. However, it is stipulated that if problems arise, it will be almost impossible to restore the wallet without certain information about its owner, and there are also some restrictions for anonymous users in terms of cash withdrawal and unlimited access to all the capabilities of the system. It’s gratifying that you don’t need to install any additional, even small, programs on your computer: all operations are carried out either through the website or by sending SMS from a mobile phone. The system takes a serious approach to solving the security issues of its clients’ funds, and therefore inspires confidence. To be even more reliable, you can even use a special card, entering a new code each time you carry out an operation, but you will have to pay for it.

You can put money in your 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 OJSC, via SMS, transfer from other electronic payment systems. For some reason, the website indicates that the payment may take a significant amount of time - up to 1 banking day when topping up via mail, but in practice the money arrives quite quickly. You can withdraw funds only through any branch of Belgazprombank (you will have to pay a commission in the amount of two percent of the withdrawn amount) or to plastic card. Users of the system can transfer money from wallet to wallet within the system both while on the website 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’m also glad that with EasyPay you can buy other electronic currencies - MoneyMail, WebMoney, RBK Money, Yandex.Money, etc. If you wish, you can link your 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 payment and services of mobile operators. You can buy with EasyPay computer games, tickets, domains, with their help you can repay loans and even pay for the same utilities in Russia, mobile communications, Internet and so on.

There are many connected to EasyPay, and this is really very convenient: store owners are guaranteed against the tricks of scammers with irrevocable payments, secured technical support and consultations. 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 accepted, and messages are sent to customers at any time of the day, has been simplified as much as possible. In order to work with the system, you just need to conduct legal business activities, have a bank account and place your store website on one of the paid hosting services. Also, this electronic payment system is very picky about the information that the store provides about itself and its products. In particular, the following are mandatory:

• placement of reference and contact information about the country, actual and legal address of the store, service region;
• indication of telephone numbers for contacting the support service, e-mail for sending electronic messages;
• Maybe full description products sold, their characteristics and consumer properties on the store’s website, so that incomplete information about the product does not serve as a reason for the return of the payment made;
• clear and detailed instructions about how purchases are made in the store, how ordered goods can be paid for;
• comprehensive information about the delivery of goods.

All this is necessary to reduce to zero possible claims for the return of payments already made.

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

As for the disadvantages of this fairly young electronic payment system, these 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 in its infancy, it is still convenient to use it only for residents of Belarus.