Ready-made solution for connecting to the FPS

The Me2Me Pull service allows to implement money transfers between client's accounts in different banks at the initiative of the recipient.

Me2Me Pull can be used for:

• Automatic replenishment of the bank account (for example, credit card debt or car loan payments);
• Collecting a certain amount on one account (for example, to make a large purchase).

Functionality:

• Sending a request to Me2Me Pull by the Recipient;
• Receiving a request to Me2Me Pull from the Payer;
• Creating/deleting a Payer's order;
• Managing consent for Me2Me Pull transfer;
• Integration with the process of sending C2C Push payment in FPS Adapter;
• Request for confirmation of sending C2C Push payment if there is no order from the Payer.

C2B service allows the bank clients to pay for goods and services via the FPS. For the bank clients-legal entities it’s an advantageous and convenient alternative to the card acquiring.

Besides the main functions of the C2B payments service eKassir FPS Adapter offers additional modules and applications:

• Front apps for the Bank simplifying the connection of legal entities to the Faster Payments System:
  • Agent's portal;
  • Support portal for the bank clients (legal entities) for working with the FPS.
• Front apps for merchants:
  • Merchant's portal;
  • Merchant's mobile apps.
• C2B subscription service;
• Working with the self-employed persons;
• API for integration with the web acquiring module and cash solution providers;
• Interaction with “1C Payment Gateway”;
• Cash links.

With the C2B subscription service clients can set up automatic payments from their accounts (account binding) for online services: shop online, pay for different subscriptions services and digital products. Merchant's request for debiting doesn't require confirmation.

The C2B subscription service is more convenient and safer than the traditional bank card binding:

• To bind the account, the client doesn’t need to transfer their card details to a third-party service or application. That eliminates money theft when hacking the service;
• Customer sets up subscriptions through the mobile banking app where data about all their subscriptions is stored.This is a key difference of the C2B subscription service to the ordinary payment via the card binding where the customer cannot observe all their subscriptions at once and may forget about some charges.

Functionality of the account binding module:

• Account binding without payment;
• Payment for a service with the subscription for further payments;
• Payment from a binded account;
• Changing a binded account;
• Deleting a subscription.

Agent's portal is a web application for Bank employees for managing the connection of the legal entities to the FPS and administrating the operations.

The connection of one legal entity to the FPS via the agent's portal takes 15 minutes:

• The Bank employee adds the customer's data (accounts, legal entities etc.) to the Agent's portal and registers the customer in the National Payment Card System (NSPK);
• The Bank employee registers a phone number of the legal entity's Administrator in the agent's personal area;
• The Administrator of the legal entity is being registered on the Merchant's portal or via the Merchant's mobile application (available in App Store or Google Play);
• The Administrator of the legal entity adds, blocks or edits new users (employees of the merchant) via the merchant's portal (or mobile app) and assigns them the access rights.

The FPS users support portal reduces labor costs of the Bank when connecting legal entities to the FPS.

Functionality:

• A request for connection the legal entity to the FPS;
• Registration of the legal entity on the test stand;
• QR code payment (test mode);
• Merchant's portal and merchant's mobile application user documentation;
• User documentation on integration with cash solutions, Merchant API, IPS Members API data and others.

Working with the self-employed:

• Additional integration with NSPK for registration of self-employed;
• Update of the Agent's portal for working with the self-employed (the function of registering and displaying them correctly is added);
• Update of the Merchant's mobile app for working with the self-employed.

• Merchant API for integration with POS terminals and cash solution providers;
  Vendors supporting the ekassir Merchant API:
  • Ingenico
  • Inpas
• "1C Payment Gateway" interaction module;
• API for integration with the web acquiring module.

The FPS cash payment link is a payment link designed for executing multiple operations of the Faster Payments System in which the payment details are set by the Merchant.

The cash payment link allows to use a static QR code many times, overriding values of some parameters.

Cash link payment benefits:

• The payment amount is set by the Merchant, so the client doesn't need to enter it by hand;
• Merchants can create the FPS cash payment link only once and use it many times for payments of the different customers;
• The FPS cash payment link can be placed on a sticker near the cash area.

The development of the FPS payment services allows businesses to save acquiring costs and provide customers the usual contactless payment service in the absence of Apple Pay and Google Pay.

eKassir front-end applications are convenient business tools to accept payments through the FPS, manage their own points of sales and interact with the agent Bank of FPS.

• Merchant's mobile app;
• Merchant's Portal;
• Telegram bot for merchants.

Mobile application for merchants is used for goods and services payments to legal entities, individual entrepreneurs and self-employed persons via the Faster Payments System. Available on iOS and Android.

Functionality:

• Payments accepting via dynamic and static QR codes and NFC;
• Payments received notification;
• Full and partial returns;
• Operation history and detailed operation information;
• Employee registration, user management;
• Selection of the legal entity and point of sale while logging in.

Merchant's portal is a web application for legal entities, individual entrepreneurs and self-employed for managing their points of sales and interaction with the agent Bank of FPS.

Functionality:

• QR code management (registration request, obtaining static QR code);
• Operation history and detailed operation information;
• Full and partial returns;
• Employee registration, user account management (viewing, creating, editing, assigning rights);
• Selection of the legal entity and point of sale while logging in.

The necessary minimum of functionality for payments acceptance via the Faster Payments System in favor of MSME.

Functionality:

• Registration of a legal entity;
• Selection of the legal entity and point of sale while logging in;
• Request a dynamic QR code;
• Operation history;
• Search for operations.

According to the information letter of the Central Bank No. IN-04-45/48 dated March 31, 2022, from July 1, 2022, all banks participating in the Faster Payments System must provide their individual customers to pay for goods and services using the SBPay mobile application developed by the NSPK.

SBPay is a mobile application for paying goods and services in retail and online shops using all available payment methods supported by the FPS (QR code, button on the site etc.)

The available functionality is below:

• Registration and authentication;
• Account connection via manual input and via mobile app of the Bank;
• Managing connected accounts;
• Payment by QR code;
• Operation history.

Functionality of the SBPay integration module, made by eKassir:

• Adding an account via SBPay;
• Outgoing C2B payment via SBPay;
• Token management;
• Alternative scenario for adding an account to SBPay via Remote Banking Services.

B2C is a money transfer service from legal entities to individuals, which allows businesses to simplify and reduce the costs of settlements with suppliers and customers:

• to make a B2C transfer, it is enough to know the name of the bank where the client has an account and the phone number linked to this account for transfers through the Faster Payments System;
• making a transfer takes a few seconds, since you do not need to enter a large number of payment details;
• B2C transactions in FPS are more profitable than traditional money transfers to the card. The cost of payments to the card at high turnover is about 0.3-0.4%. Fixed rates for payments in FPS depend on the amount, but in any case the transaction cost is significantly lower than with a regular bank transfer.

The service can be used by:

• taxi companies for daily accrual fees to the drivers;
• microfinance organizations for issuing loans;
• insurance companies for the accrual of payments;
• brokers for transferring investment income;
• car dealers for the purchase of used cars;
• courier services;
• freelance exchanges and other companies that often need to transfer money to individuals.

Money transfers between legal entities via the Faster Payments System.

The service will allow legal entities, individual entrepreneurs and self-employed to conquer the limitations of the regular bank transfers (payments are available only on weekdays and during bank business hours, funds are credited within a few hours or days) and instantly transfer and receive money 24/7.

The functionality will be in demand primarily for:

• large trading companies that daily make a lot of payments between suppliers and contractors;
• SMEs whose activities are significantly affected by cash gaps.

As an identifier of the money recipient for making payments are used QR code or a link in online banking.

Functionality of the B2B-payments module:

• Functions of the Sender's Bank: making an outgoing payment using the FPS’s functional link;
• Functions of the Recipient's Bank:
  • Checking the possibility of the payment committing;
  • Making an incoming payment from the NSPK (operational and payment clearing center of the Faster Payments System).
• Additional modules:
  • Merchant API - for the integration with payment software on the side of legal entities or with the bank's front systems (remote banking for legal entities, unified portals for legal entities, etc.). It allows you to form requests for a FPS functional link and receive data from NSPK.

C2G service of the FPS provides money transfers from the citizens to the state. This is about payment of taxes, duties, fines etc. The tariffs of the Bank of Russia for credit institutions using these transfers will be zero.

Functionality of the C2G-payments module for the Payer's Bank:

• Making an outgoing payment using the details that were received from the State Information System on State and Municipal Payments.