Money do not take! Transport cards and e-wallets is forbidden to replenish nalinikanta Solovyov
Since the beginning of August 2020 entered into force the limit on the cash replenishment of e-wallets and payment cards digital wallet. As estimated by experts, these changes
touched, at least, 30 million cardholders, is used to pay for travel on public transport and pay for food, and over 10 million customers of e-money systems.
The changes associated with the new regulations to regulate e-wallets, which introduced the Federal law “On introducing
amendments to the Federal law “About national payment system” and Federal law “On the Central Bank of the Russian Federation (Bank of Russia)”. The document was signed by the President on August 02,
2019 a Number of its provisions, including the prohibition of anonymous replenishment of electronic wallets came into force in early August of this year.
Now to top up e-wallets such e-money systems, as “Yandex.Money”, QIWI, PayPal, Pay VK, as well as non-personalized cards (transport, etc.) can only
branches of banks or Bank transfers (via the Internet). However, as explained in the media Chapter of the Association of market participants of electronic money and remittances Victor Dostov, the law applies to other
anonymous cards, which, like transport, have a built-in function of electronic wallet, but do not require registration. For example, this category includes cards for corporate canteens, maps
to pay for access and services amusement parks, etc.
Recall that prior to the entry into force of the law to fill those instruments could, for example, through payment terminals, including anonymously.
According to experts, the exact number of projects on the cards which cash acceptance is paused, it is impossible to calculate. For example, as suggested by Dmitry pienkowski, CEO
“Tekhnezis” only in Russia issued more than 60 million transport cards, which operate in 75 cities, on the model of e-wallet works about 50% of them and about 60-65 cities of the Russian Federation.
Mostly, the changes affect the smaller regional applications for fare payment on transport, including the subway, catering workers and students. As misleading
informed media about the inability to top up their transport cards with cash through the terminals has already warned the regional authorities in Lipetsk, Moscow, Novgorod, Oryol and Samara
regions, Krasnodar Krai, Udmurtia and Perm. Among other things, to replenish cash now impossible and suburban transport card “Arrow”. However, as the representative of the Ministry
of transport and road infrastructure of the Moscow region, today cash top up only about 10% of users of card “Arrow”, and their number is constantly decreasing.
New rules will affect the rights and over 10 million customers of e-money systems, through which committed more than 2 billion transactions in the amount exceeding RUB 1.7 trillion annually.
The prohibitions will not apply, for example, maps the capital transportation project “three” and the St. Petersburg project “Plantain”, online wallets, mobile operators cards, or fitness clubs. So, on balance
The “Troika” are not e-money as “one ticket” on card “Podorozhnik” transport units, and from mobile operators and in the fitness clubs need to register for
passport. In addition, as reported by the Central Bank of the Russian Federation, the changes do not apply to school card, because these cards are not anonymous.
Criticism of restrictions on eWallet funding and the Association of Russian banks, and guide services Qiwi and “Yandex.Money.” According to experts of the ARB, the ban will have a negative impact on
the development of the regional transport projects only in the Lipetsk region, for example, with cash replenished about 68% of the transport card. And according to Qiwi and “Yandex.Money,” he
will not only lead to the deterioration of access to financial services, but also to the growth of operations in the “grey zone”.
The head of the Association of companies the Internet-trade (AKIT) Artem Sokolov, in turn, noted that the ban is aimed at protecting consumers of goods and services, and aims to strengthen the fight against so
– called “black cash”.
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