Visa money transfer what is it. Visa Money Transfer

To understand what "Visa Payments and Transfers" (formerly known as Visa Money Transfer) is, suffice it to say that to transfer money you only need to know the recipient's card number.

In this case, the recipient of the payment can be located both in Russia and abroad, and his card can also be issued by a bank that is not a member of this service.

However, the organization through which the transfer itself is made must support the service in any case.

Taking a digression, it is worth noting that MasterCard is not lagging behind its competitor - this payment system has a similar service called MasterCard MoneySend (you can read about it in this article).

The Visa Payments and Transfers service is provided by many banks. For example, to make a transfer in Russia, you need to find an ATM of Bank24.ru, Promsvyazbank, Master-Bank, MDM Bank, Alfa-Bank, TransCreditBank, etc. Transfer to other countries is possible through Gazprombank, Russian Standard, Moscomprivatbank, Moscow Industrial Bank, bank "Platina" or through payment terminals QIWI. A complete list of organizations supporting the service can be viewed on the official website of the payment system.

Visa payments and transfers: instructions for use

You can make a transfer to a Visa card using this service in several ways:

Via terminal

For example, consider QIWI terminals:

Step 1. Press the "Banking services" button in the menu.

Step 2. Select the option "Money transfers".

Step 3. Enter "Transfer to a Visa card".

Step 4. Enter the recipient's Visa card number (in case of transfer to the CIS - also his full name and address).

Step 5. Insert the required number of bills into the bill acceptor.

Step 6. Check the entered data and click the "Submit" button.

ATM

First, you need to find an ATM of the bank that supports the service (the link to the list is above).

Step 1. Select the item "Money transfers".

Step 2. Click "Transfer to Visa".

Step 3. Enter the recipient's card number.

Step 4. Insert money into the bill acceptor or enter the required amount (when sending a transfer from a Visa card).

Step 5. Recheck the entered data, the amount of the commission, then click the "Submit" button.

Through internet banking

Step 1. Log in with your password to your personal page in the Internet Bank.

Step 2. Select "Visa Payments and Transfers".

Step 3. Enter the recipient's card number.

Step 4. In case of transfer to other countries / CIS countries, you must enter your name and address.

Step 5. Collect the amount.

Step 6. Check all data, incl. commission, and click "Send".

Via mobile phone

Step 1. Open "Electronic wallet" or an installed banking application on your phone.

Step 2. Select the "Transfer to Visa card" option.

Step 3. Select a source of funds.

Step 4. Enter the complete number of the recipient's card.

Step 5. Enter the amount to be transferred on the screen.

Step 6. Check the data, click "Pay", and then confirm the transfer.

Through a bank branch

In this case, you just need to take your passport and cash, contact the bank that supports the Visa Payments and Transfers service, and inform the cashier of the recipient's card number.

Through open portals of banks

This service is provided by Alfa-Bank, so we will consider the transfer using its example.

Step 1. Enter the Alfa-Bank page.

Step 2. Fill in the number and validity period of your card.

Step 3. Enter the amount.

Step 4. Enter the recipient's card number.

Step 5. Recheck the data and confirm it by clicking the "Send money" button.

Step 6. After entering the received one-time password, go through the identification procedure.

Through trade and retail chains

Step 1. After contacting a merchant that supports the service, inform the merchant-cashier that you want to use the Visa Payments and Transfers service.

Step 2. Name the recipient's card number.

Step 3. In case of transfer outside Russia, voice your address and name.

Step 4. Get acquainted with the commission and the entered data and transfer the required amount to the cashier.

It is worth considering that in each individual partner bank, only some of the listed methods are used. But in any case, the period from sending to receiving money can range from a few minutes to 2 business banking days. The term depends on the bank that issued the recipient's card, as well as on the technical capabilities.

For example, Alfa-Bank promises that it will credit funds to the card of its own bank instantly. And Russian Standard, when transferring to a Visa card (again, its own), speaks of a few minutes.

The partner banks set the commission at their discretion, however, most of them do not charge a fee when transferring their own funds to their bank card. In any case, the information about the commission for the operation will be visible on the screen before the transfer is made. That is, if its size does not suit you, you have the right not to continue the operation and refuse to transfer.

Thus, the Visa Payments and Transfers service is really very convenient and simple.

You provide services, but you are not an entrepreneur. You have decided to sell something. You are paying for everyone. You need to pay off your credit card debt. Here is just a small list of those situations when you need to transfer money from one person to another.
In general, there are several options for transferring money: give in cash, transfer by electronic money, make a payment through the Internet bank, make a transfer from a bank card to a bank card Visa or Mastercard... Each method is good in its own way, but the cards still rule!
It was interesting for me to do a review of Russian P2P services for transfers by bank cards.

As of July 2013, 6 services were found for transferring funds from card to card using Visa Money Transfer® and MasterCard MoneySend® technologies:

You can find specific recommendations under the cut. I invite the public to use, clarify and supplement.

Comparison of methods: Cash, E-Money, Online Banking, Visa / Mastercard

About Card number… The sender of money needs to know the recipient's card number in most card-to-card transfer services. Card numbers by themselves are not enough for scammers to take possession of your money. But still, if you guess the month and year, then in some cases it is possible to conduct a transaction, while neither CVC, nor first and last name, nor 3DSecure are needed. Therefore, you should not tell the card number to everyone right and left and publish it in the public domain.

O 3D Secure(3DS) ... This is a well-known technology for protecting bank cards - it involves confirming the operation by entering a code from an SMS, a one-time code from a scratch card or an ATM statement, or a payment password. 3DS authentication is equivalent to an electronic digital signature - i.e. such a transaction is almost impossible to challenge. Not all cards support 3DS. technology for banks is not sickly money. Here is a partial list of banks that support 3DS.
Some leading banks implement the service downright badly. For example, VTB24 - to activate 3DS on the card - you have to go to the bank with your feet and write an application. Or, for example, Sberbank - to get a list of codes, you need to take care of this in advance and print a statement with 20 codes at an ATM. At least that was until recently.
According to experts, and personal experience, only 50% of bank cards in Russia have normal 3DS support.

Cash is the simplest option. But what if there is no cash: there was not enough money, I forgot my wallet, there is nowhere to change, the ATM is far away.
Electronic money not versatile enough. Suitable if both people use them, and at the same time are the same. If e-money is different, it becomes necessary to exchange it. It is getting more and more complicated and expensive, and certainly not overnight. And so the transfer within a specific PS is instant, the commission for the transfer is minimal, or even zero. There are still commissions for withdrawing to the cash - at the level of 2-3%.
Bank transfer not fast. Online banking assumes that the sender and the recipient have Internet banking at any of the banks. But even if so, then this method can be considered as instantaneous only if the sender and the recipient have accounts in the same bank. Otherwise, the transfer takes from 1 to 3 calendar days, the commissions are different: from a fixed 20 rubles without %% to 3% of the amount.
Bank card as a means of payment is the most simple and straightforward. The cards have the maximum coverage and are accessible to any person “from the crowd”. Visa and MasterCard have invented acquiring for a long time, but it is only available to companies (and entrepreneurs). For ordinary people - individuals - technologies for the safe transfer of funds from one person's card to another's card have been implemented: MasterCard MoneySend and Visa MoneyTransfer (or Visa Personal Payments).

Comparison of P2P card-to-card transfers

Comparison of service commissions

I figured out how much the real commission would be when transferring 300, 500, 1.000, 3.000, 5.000, 10.000 and 15.000 rubles. Interesting figures turned out: from 0.5% to 16.7%.

It's easier to see everything on the chart:

As I already wrote, some banks offer special conditions for transferring funds to their own cards (in the table and on the chart, these are options "Min"). For example, "Alfa Bank" offers 0.5% + 30 rubles. instead of 1.95% + 30 rubles. for translation. Russian Standard Bank" offers 0.5% + 50 rub. instead of 1.90% + 50 rubles. Agree, it is reasonable to use the services of those banks that face the client.

Outcomes

You can find the most favorable conditions in a given situation knowing transfer amount, type of sender and recipient cards(Visa or Mastercard) and bank that issued the recipient's card.

MasterCard Mobile- the most balanced service, but for transfers only between MasterCard cards of any banks. The sender needs to register with the service. The lowest commission when transferring amounts up to 1000 rubles. Oddly enough, everyone's vaunted Visa system did not bother to launch anything like this for their cards. - Ed.
PayOnline is the most versatile service. The lowest commission for transfers between Visa cards with an amount of less than 500 rubles.
Alfa Bank- the lowest commission when transferring from any card to an Alfa-Bank card, starting from the amount of 1000 rubles.
Russian standard- the lowest commission when transferring from any card to a Russian Standard card, starting from the amount of 3000 rubles.
Qiwi- oddly enough, loses to everyone, with a transfer amount of more than 1000 rubles.
RuRu and Russian standard- the most greedy for transfers less than 1000 rubles.

Who needs it and why?

In what situations can P2P transfer services be useful?

You provide services... You are not an entrepreneur, you do not have a cash register or pos-terminal with you, and you are not ready to issue invoices and acts either - all this is only in the near future. You are a freelancer, remote worker, hairdresser, massage therapist - anyone. You have done the job, you need to get money, here and now.
You have decided to sell something from old trash. Place an ad, a person comes, everything is ok, you give your stuff, a person - money. And all this must be done at the same time.
You pay for the whole company... Relaxing in a bar or restaurant, at the end they bring a single bill. Someone may not have change or the required amount of cash. Others would like to pay by card. And it begins. As a result, only one person pays on the card, others are discounted in cash, and it would be nice to get money from the rest, too. there is a chance that we will not see them again, or they will not purposely forget about it.
You urgently need to throw money... Situations are different, incl. and with people dear to us. Sometimes there is simply no time to figure it out and look for the nearest WesternUnion or Contact, either for yourself or for the recipient of the transfer.
You need to pay off your credit card debt... Sometimes it happens that you need to throw money for yourself. Soon the end of the month, and then you remember that you climbed into the credit limit. The most offensive thing is that it can be quite a bit, for example, the subscription fee for SMS-ki was written off. And that's all, if you do not replenish 50 rubles in time. - negative credit rating is ensured for a long time.

1. Get two cards from two different banks. For example:

Mastercard MTS Debit or Bank in Pocket from Russian Standard Bank. Is free.
activate the "Online" or "Basic" service package and receive a chip card MasterCard Standard from "Alfa-Bank". 800 rubles per year.

2. Carefully study P2P transfer services:

Translation service from the PayOnline processing center. Register yourself, link your cards and receive payment links. These links can be handed out to users: placed on the website, in a social network group, sent to email and sms - it's safe, because instead of the card number there will be your email. So, we do it in steps:
1. Creating a page for making transfers - Receiving transfers (without specifying the amount).
Fine! Now we have a link - we send it to everyone who owes us money. In addition, if we have forgotten this long link, you can always make a transfer by PayID - our email. To do this, go to fast.payonline.ru, look for a link about translations, find, poke and see an empty translation form. In the Recipient block, select PayID and just enter your email.
Alfa-Bank transfer service. Use to transfer funds between Alfa-Bank cards. You do not need to register.

Today there are many ways to quickly transfer money both within one country and abroad. However, unfortunately, most of the systems for fast international transfers are accompanied by a very impressive commissions... In addition, often an international transfer implies a queue at the bank's cash desk, paperwork and the need to voice a lot of information about both the sender of the transfer and the recipient.

The international payment system Visa International offers a good solution for this problem. The Visa Money Transfer system allows you to send money even without leaving home, using a mobile bank or internet banking. Transfers can be carried out between holders of plastic cards Visa - "from card to card".

At the same time, there are many ways to make a transfer - an ATM, a payment terminal, Internet banking and a mobile bank, directly from bank branches. The commission for the transfer differs in different banks, however, as the monitoring of the websites of various financial and credit institutions has shown, its size is very sparing - about 1-1.5% of the amount translation.
To make a transfer, you need to indicate only the 16-digit number of the recipient's plastic card.

Transfer via the Visa Money Transfer system is instant, that is, the money will be credited to the account within a few minutes after sending. The service is provided by banks in Russia, Ukraine and Kazakhstan, in addition, this innovative product is being introduced in banks in China and the United Arab Emirates.

Since April 2012, Belarusian banks have also supported the Visa Money Transfer system, among them - Bank BelVEB, BelSwissBank and Belinvestbank... However, at present, the service is provided unilaterally - on the territory of Belarus, the transfer can only be received, it is not yet possible to send it. Nevertheless, as explained in BelSwissBank, work in this direction is already underway and in the future the Visa Money Transfer system will fully work.

In addition, the holder of an international Visa debit card issued by a Belarusian bank can make a transfer, for example, through an ATM in the Russian Federation that supports the system.

In Belinvestbank and BelSwissBank money can be received without paying any additional fees. Bank BelVEB charges a commission for crediting funds to an account in the amount of 1-1.5% of the amount for a transfer in Belarusian rubles and 1% of the amount for a foreign currency transfer.

So, the Visa Money Transfer system is a really simple, fast and cheap way to send money both abroad and within the territory of one country. Apparently, in the near future, Belarusian banks will provide customers with the opportunity to fully use all the capabilities of Visa Money Transfer. In the meantime, your family and friends can easily send you instant transfers from Russia, Ukraine and Kazakhstan, which is also not bad.

Very often, customers of various banks need to make a transfer to a card, electronic account, or to a specific bank account. This is a rather convenient procedure and banks provide an opportunity to do it quickly and conveniently, and you do not need to stand in long queues at the bank and wait for the money to come. We will consider several transfer technologies, as well as one of the most popular recently - Visa Money Transfer.

International money transfers with VISA

Consider the most popular international money transfers

Here's an excellent example for you - your child is studying abroad and he has a third-party card of a foreign bank, and you need to transfer a certain amount of funds to the account of this card. What is the best and most convenient way to do this?

Of course, you can go to an office or a bank branch, but this is not always possible, sometimes you need to do it urgently. Also, the bank will most likely ask you for additional details of your child's account. Also, the bank may refuse to make a transfer at all - it happens rarely, but it happens.

Consider the most popular international money transfer services:

Visa Money Transfer is a fairly popular service that allows you to make any money transfers between Visa International cards. In this case, the transfer is carried out with only one requisite - the number of the plastic card. This is very convenient because the card number and bank account number are different and you may not always have a personal transfer account at hand.
MasterCard MoneySend is a similar service that also allows you to make international transfers between MasterCard WorldWide cards. You only need a card number for a quick money transfer to a card to any country in the world.
Fast technology Visa Money Transfer Fast Funds or abbreviated VMTFF - this technology and service allows you to make a transfer almost instantly by card number to an account in the recipient's bank, in any other cases, this transfer can take from 1 to 5 working days. But it must be remembered that not all Russian banks are connected to this technology. Here is an example of banks that have this technology: Rosselkhozbank, Sberbank, Russian Standard, Transcreditbank, Alfa-Bank, Uralsib, Moscomprivatbank, Privatbank, Bank24.ru, etc.

Transfer using a bank branch

If your card does not have Visa Direct service, then the best way to make a transfer to any other card or foreign bank account is to go to your bank branch. Next, you need to contact any manager and say that you need to make a money transfer to an account in a foreign bank or to a card of a foreign bank.

In order to make this transfer, you will need to write an application for the transfer of funds. Also, the manager will ask you to indicate some details of the recipient:

Recipient's card number
Visa Direct or MasterCard type (if this information is available)
Bank account number
Name and surname of the recipient

You may need some other additional details to make an international money transfer. After writing the application, you also write from which account you will be debiting funds, or you can give money directly through the cashier. The money will go to the card within 5 days. It is also worth discussing the commission for this transfer, which may vary, in contrast to the bank.

Transfer through other payment services

Let's consider various third-party options for money transfers abroad in Russia. If you do not have a Visa Direct or MasterCard, then third-party services such as QIWI, Wallet One, Yandex-money, RBK-Money will help us with this. Let's take a look at all the tariffs and conditions of transfers for these services:

- if you want to make a transfer to a card or bank account in the Russian Federation, the commission will be 2% of the transfer amount plus 20 rubles. If you want to make a transfer to another country, then the commission here will be about the same - 2% plus 40 rubles. But you need to remember that for Visa and MasterCard, the list of supported countries varies greatly and it is better to know about this in advance before transferring.
Wallet One - for transfers both abroad and to cards and accounts at home, you will pay 2.9%, but not less than 1 dollar 95 cents or 50 rubles.
Yandex money - after you are identified in the Yandex system, you can make money transfers abroad. The commission percentage for any transfers is 3% of the transfer amount plus 15 rubles or any currency equivalent.
RBK-money - this transfer service works directly like MasteCard, but based on the Bank of Moscow. If you transfer money to a card from MasterCard MoneySend, then there will be a commission of 1.75%, but not less than 85 cents. In general, it is quite convenient if you transfer small amounts, since no commission is charged when transferring up to 10,000 rubles.

Output

As you already understood, Visa Money Transfer is a very convenient and fairly fast service for transferring money. As practice shows, when using this particular service, money flows much faster than if you used a bank branch.

Different banks also have transfer services directly from ATMs or using personal accounts in Internet banking. The most important thing is to weigh the pros and cons and look at the commission percentage, since if you transfer large enough amounts of money, it is better to use more reliable and cheaper services.

If you still have questions about money transfers, then it is better to call your bank's hotline, there they will explain in more detail how to make a transfer better and more profitable.

Visa Money Transfer is the ability to transfer money through a QIWI wallet and terminal to a Visa card. At the same time, transferring money to Visa from QIWI itself is one of the most convenient and affordable ways to replenish an account on your Visa card and send finance to relatives and friends. Also, answering the question of Visa Money Transfer - what is it, it can be noted that it is through this service that you can pay money for a loan.

The main advantages of the service

Among the features and advantages of Visa Transfer are the following:

a large network of QIWI terminals in various parts of Russia and in the places most visited by citizens;
absence of any queues;
simple and understandable even for a novice user, the procedure for transferring funds to the addressee;
lack of documents required for the transfer: all that is needed for the operation is the card number of the recipient party;
fast transfer of funds;
the transfer is made to the cards of users in Russia and the CIS countries;
availability of services in the WEB through.

Using this service, Visa bank card holders will be able to make money transactions in a short time, pay for various services, make transfers and do many other things, regardless of the city and country of residence. At the moment, several million citizens use such a service as Visa transfer. Therefore, the question of what Visa Money Transfer is and what it is intended for are asked by many.

Convenient transfer service from Visa has a number of remarkable features

Several functional features of the work

Among the many functional advantages and features of the system, the following points can be noted:

The most obvious functional ability of the service is the withdrawal of funds to your card as a transfer from QIWI and a direct transfer of the same funds from Visa to Visa. It is clear that such a transfer is not complete without a commission. At the moment, the commission is 2 percent of the transfer amount and a tax of 20 rubles for each transaction performed for Russia and 40 rubles for the CIS for each transaction.
A commission of 2 percent and a tax of 20/40 rubles is a measure that applies to all transfers if the amount exceeds 500 rubles. At the same time, when transferring amounts up to 500 rubles, the size of the commission will be less.
You can transfer the availability of funds to any VISA bank card issued by a bank of the Russian Federation. Including when transferring money to a VISA-electron card of any type, you do not need to enter the CVV digital code.
The Visa Money Transfer system has its own limits on the total amount of transfers within a certain period, as well as a limit on the number of transactions and on the maximum amount of one transfer. As the management of QIWI itself notes, all limits and boundaries do not contradict the norms and rules of Russian legislation. In addition, the limits are in line with the recommendations of Visa International.
The validity of card account numbers is not only checked, but also approved, therefore, financial transfers to blocked or no longer existing cards will not be sent.

If we mark the visa money transfer, which is from a technological point of view, then this service is implemented by means of a QIWI wallet. When making direct transfers of cash to bank card accounts, the system will ask for the mobile phone number of the user who is transferring funds. After that, the system will generate a linked account in the QIWI system linked to this number. If there is any failure, then the money will be returned back to the account of the sending party.

You can make transfers in the Visa Money Transfer system through Qiwi terminals

Safe and convenient financial transfer service for everyone

When working in the system, bank cards (regardless of whether they are credit or debit) are called to the QIWI wallet. This is very convenient, because in this case, operations and transfers can be performed without any difficulties. The system also assumes the ability to use the terminals of this payment system in the absence of a wallet.

At the same time, QIWI has a lot of terminals, so users will not have any problems or difficulties when making money transfers between QIWI and VISA.

How does the transfer work?

In order to make an operation to transfer funds through the terminal, you must specify the recipient's bank card number, the amount and your phone number. Additionally, if we are talking about transferring funds to the CIS countries, you must indicate both the address and data of the sender. The operation is carried out according to the same scheme, regardless of the type and device of the terminal. The procedure is as follows:

Find the required section on the home screen.
Include the line "Remittances".
Go to "Transfer to a Visa card".
Enter the card number in the corresponding field.
Perform the operation.

These simple steps constitute transfers to Visa Money Transfer through an ATM.

On the website of the qiwi payment system, you can make transfers via Visa Money Transfer

Online transfer

As for online transfers, they are made according to the following scheme:

Go to the website qiwi.com using your username / password.
Go to the point of transfers and payments.
Fill in the appropriate fields.
Indicate the amount and source from which the money will be taken.
Confirm the operation by entering the code received via SMS.

If there is an application on the phone, then you can do the same actions as on the Internet.

An important point! In order to deal with translations at the office of the institution, you should take your bank card and identity documents with you.

But it will be easier to make financial transfers via a mobile phone.

In what time frame will the translation be completed?

The term of admission varies greatly - from 1-2 minutes to several days. Specific terms depend on the bank, technical conditions and other features. The cost of the service, tax and commission also depend on these components. Therefore, before making a transfer, you need to check the conditions and features of this transaction.