Probably anyone who has ever encountered the need to transfer money quickly has also encountered bureaucracy, commissions and headaches from the process. With ClickPay, everything has become so simple that the transfer of money happens instantly! Anyone with Internet access can make a money transfer quickly and securely. This is made possible by the transfer technology between P2P cards.
The site site offers you the opportunity to make this transfer using cards issued under the logo of MasterCard Inc. and Visa issued by Moldovan banks.
To get started, go to the site and select one of the available options:
Then enter the card number, first and last name, card expiration date and CVC code.
In the right field, enter the name and surname of the recipient, and an additional identifier required by the system, depending on the selected transfer method:
Send money to a card knowing 16 digits on it
To the recipient's mobile phone number
Or to his address Email
Select the transfer amount and currency and confirm it.
If the transfer currency differs from the recipient's card, the system automatically converts the transaction amount in accordance with the exchange rate set for bank card transactions.
Available. Anyone with access to the Internet can use the service anytime, anywhere.
Ease of use. You do not need to register in advance.
Fast. Real time transmission
Wide coverage area. You can make a transfer from a card of any Moldovan bank to another bank card in the country or around the world, regardless of which bank issued it.
Wide possibilities. Money transfers can be made in national and foreign currencies.
Security. The 3D-Secure service confirms the transaction and generates a unique password.
The site gives you the opportunity to commit on time, across the country or abroad. The process is very simple, fast and safe. This frees you from visiting a bank or opening a checking account in foreign currency to make transactions in the desired currency. As long as you have a device with Internet access, you can make a transfer effortlessly!
Confidently use this excellent service through the website platform! Your money is at arm's length!
Probably, many of you have already heard about the ability to quickly and easily transfer money to any holder bank card. Previously, in order to send any amount to another person, you had to personally visit a bank branch, fill out applications, and wait for several days. Modern online transfers- This is an opportunity to instantly send funds. However, money transfer from card to card used to require filling in many fields, and entering numbers took a lot of free time. Now online transfers p2p is a really fast and convenient money transfer system.
Service p2p offers you to transfer funds in almost a few seconds. To carry out the operation, you must:
From anywhere in the world, you can easily transfer money by filling in just a few fields.
It is important!
In principle, there is now an active proliferation of use of the service among small businesses who request payment for services or goods through money transfer from card to card or checking account.
p2p has a huge number of advantages. Your convenience is:
Thanks to the service p2p, you can transfer money anytime, anywhere, to any recipient.
Now the service is actively used by almost all payment systems and organizations operating on the Internet.
You provide services, but you are not an entrepreneur. You decide to sell something. You pay for everyone. You need to pay off debt credit card. Here is just a small list of those situations when you need to transfer money from one person to another.As of July 2013, 6 services were found for transferring funds from card to card using Visa Money Transfer® and MasterCard MoneySend® technologies:
Under the cut you can find specific recommendations. I invite the public to use, clarify and supplement.
Pro Card number… The sender of money needs to know the recipient's card number in most card-to-card transfer services. The card number, by itself, is not enough for scammers to take your money. But still, if you guess the month and year, then in some cases you can make 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.
ABOUT 3D Secure(3DS)… This is already a well-known technology for protecting bank cards - it involves confirming the operation by entering a code from sms, a one-time code from a scratch card or an extract from an ATM, or a payment password. 3DS authentication is equivalent to an electronic digital signature - i.e. such a transaction is almost impossible to protest. Not all cards support 3DS, because. technology for banks costs a lot of money. Here is a partial list of banks who support 3DS.
Some leading banks implement the service frankly poorly. For example, VTB24 - to activate 3DS on the card - you need to go to the bank with your feet and write an application. Or, for example, Sberbank - in order to get a list of codes - you need to take care of this in advance and print out an extract with 20 codes at an ATM. At least that was the case until recently.
According to experts, and personal experience, only 50% of bank cards in Russia have normal support for 3DS.
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 graph, these are options min). For example, "Alfa Bank" offers 0.5% + 30 rub. instead of 1.95% + 30 rubles. for the 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.
Updated on 11/16/2019.
In today's article, we will analyze in detail one of the most necessary tricks for anyone, allowing you to more quickly manage your savings - translation Money from card to card.
Transfer from card to card by card number has many different names: card2card, card-to-card, MoneySend, Visa Transfer, Visa Direct, C2C, moneysend, c-to-c, etc. However, the essence of such transfers is, of course, the same: you need to enter the card number, its validity period and cvc2 (cvv2) the code of the card from which you send money (donor card), as well as the card number where you want to send money, and the transfer amount itself .
It is important not to confuse interbank transfers (you need to indicate the account number, bank BIC, payment purpose) with Card2Card transfers. Their mechanism is completely different. To simplify a little, interbank transfers are made with the help of the Central Bank of the Russian Federation, and C2C can be compared with ordinary card purchases that occur thanks to International Payment Systems (MPS: MasterCard, Visa) and. You can read more about interbank transfers.
Card-to-card services can be found on the websites of many banks, payment services, various financial portals, even on the banki.ru website there is a card-to-card transfer service provided by Alfa-Bank:
However, operators usually want a commission for such transfers, 1.5-2% of the amount. Usually, but not always. Professional depositors use the C2C service exclusively for free.
The fact is that some banks allow using Card2Card transfers to replenish their cards from cards of third-party credit organizations without commission. In the language of professional investors, this operation is called “pulling”.
It is also important to remember that some banks prohibit making free donors from their cards, i.e. they introduce a commission for pulling from their cards, but there are still not so many of them. About everything in order.
In order to withdraw funds for free to the cards of the banks listed below, you need to use the Card2Card service of these banks. Those. to replenish, for example, a Tinkoff Black card from a Sberbank card, you need to go to the Tinkoff Internet bank and initiate a transfer from there (so that there is no commission from either " Tinkoff Bank", nor from Sberbank). If you use the C2C service of Sberbank, then the commission from Sberbank cannot be avoided.
So, you can withdraw money for free on the following cards through the appropriate services:
The new Renaissance Credit debit card can withdraw 50,000 rubles per month (calendar) for free:
UPD: 06/14/2017
When sending transfers from MasterCard and Maestro cards through the VKontakte social network, no commission is charged for transfers in the total amount of up to 75,000 rubles per month from one user and/or from one card. If the amount of transfers from one user and / or from one card exceeds 75,000 rubles per month, then a commission of 1% is charged from the excess amount, at least 30 rubles per transfer.
Transfers through Odnoklassniki became paid.
UPD: 12/19/2018
The campaign for free transfers from MasterCard and Maestro cards through the VKontakte social network service has been constantly extended since 2017. It is currently valid until April 30, 2019.
UPD: 05.10.2017
From the TalkBank card, you can make free outgoing transfers using the card number. The total limit for card transfers and cash withdrawals is 60,000 rubles per month.
UPD: 04/08/2018
The Your Cashback card is one of the few cards from which you can make free outgoing C2C transfers by card number, this Promsvyazbank card can push money out for free (like the Tinkoff Black card). Monthly limit (calendar) 20,000 rubles / month, the amount of one transfer should be from 3,000 rubles.
It may seem that Card2Card transfers are complicated, and it is very easy to get confused in all this push and pull. There are too many things to consider in order to make transfers from card to card without commission. However, there is nothing complicated in this, everyone can figure it out if they want, of course :)
C2C translations save a lot of time, because allow you to increase the number of transactions that can be performed without a visit to a bank branch.
These transfers are especially helpful in small towns, where the choice of credit institutions is limited. If in your city there is nothing but Sberbank, then this does not mean that you need to use only its services.
Deposits and cards can be opened in other credit organizations, offering more attractive conditions when you are in large cities. And leave the native "Sberbank" only for transit. It is enough to replenish the Sberbank card, then withdraw money to some Kukuruza or Beeline with PNO, and then send it to any other credit institution through the interbank market.
Thanks to card-to-card transfers (free, of course), you can get rid of the need to go to a bank branch (if the bank does not have free outgoing interbank transfers) at the end of the deposit period and then drag around the city with cash.
Therefore, you need to have several, with the possibility of free pulling from other cards, as well as with convenient replenishment (donor cards) and alternate them periodically.
I hope my article was useful to you, write about all the clarifications and additions in the comments.
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comments powered by HyperCommentsA service for making fast online transfers (24/7), both between cards of one payment system (MasterCard Inc. → MasterCard Inc. or Visa Inc. → Visa Inc.), and between cards of different payment systems(MasterCard Inc. → Visa Inc. or Visa Inc. → MasterCard Inc.) to cards issued in the country and abroad. To make P2P transfers from Visa cards issued by other Moldovan banks, except Fincombank, to foreign cards, you need to go to any Fincombank branch with an identity card and a card from which P2P transfers will be sent.
Before making a P2P transfer, you need to familiarize yourself with the Rules for the provision of the service, as well as with the Tariffs and Limits.
a) Transfer amount and currency.
b) Sender's card details:
c) Beneficiary's card details:
d) Mobile phone, e-mail address or other means of communication with the issuing bank - to receive a password via 3D-Secure, if the bank supports this service.
Transfers of funds between one and another card are carried out instantly and with a minimum commission of the service. In some cases, from 30 minutes to 3 banking days, which depends directly on the internal regulations of the work of the recipient bank.
P2P transfers can be made in one of three currencies MDL / USD / EUR. The currency of the transfer does not depend on the currency of the card account of either the sender or the recipient. If the transfer currency does not match the account currency of the Sender and/or Recipient, the conversion of the transfer amount and commission will be carried out by the issuing bank of the Sender's or Recipient's card in accordance with its internal rules.
Commission for the transfer is charged from the Sender (see section "Tariffs and Limits"). The fee for the transfer is converted into the transfer currency at the exchange rate of the NBM on the day of the transfer. The Bank of the Recipient of the transfer may charge a fee for replenishing the Recipient's card within the framework of the P2P transfer in accordance with its internal rules and tariffs.
The most common reasons for refusal to transfer: