Payment card pro100 sberbank. Pro100 is a payment system. PRO100 in Crimea

14.11.2021

In this article, we will look at a topic that is not yet so common in Russia - the Sberbank pro100 momentum card. In addition to the main question, we will give you information on the following points: how to use the Sberbank momentum pro100 card, Personal Area, momentum pro100 card - withdrawal limit and so on. In general, we will try to fully present this financial product to you so that you can decide for yourself whether you need to get such a card or not. For the convenience of making your decision, we will make a section that will focus on the disadvantages and advantages of the Sberbank pro100 momentum card. But first things first.

Sberbank pro100 momentum card

The modern world is becoming more and more integrated, becoming more and more connected. This is a trend of our reality, and probably it is good, because the exchange of information, the establishment of contacts between countries, the conclusion of partnerships have a beneficial effect on all parties and on human progress as a whole. We are now, of course, considering international relationships. Payment systems can be cited as an example of global integration. PayPal, Qiwi and others are already tightly entering our lives, and so much so that we can no longer even imagine ourselves without these innovations. The topic that we are raising today also applies to payment systems - the Sberbank pro100 momentum card. And undoubtedly, a modern person needs to know about it in order to be able to use it in case of emergency. In addition, the card is issued by the most common bank in the territory. Russian Federation- Sberbank.

Why are we writing about the Sberbank pro100 momentum card? The fact is that this card is not so widespread in Russia. And in vain, because in some aspects the Sberbank pro100 momentum card is ahead of its competitors. Even if you take the security of financial savings. And here the Sberbank pro100 momentum card is in a winning position. But we will talk about this a little later, in a separate paragraph of our story.

Also, the answer to the question why we are writing about the Sberbank pro100 momentum card can be stated as follows: this banking product based on the Universal Payment Card payment system does not depend on the state of relations between the Russian Federation and Western countries. This is perhaps the most significant plus of the Sberbank pro100 momentum card, which is still gaining its strength. Everyone knows that Visa and MasterCard are Western companies that control non-cash payments around the world.

Against the backdrop of recent events (we mean the aggravation of the situation in Ukraine, sanctions against Russia, and so on), our country finds itself in some kind of isolation, which may lead to the fact that Visa and Mastercard will break all agreements and agreements with the Russian Federation

That is why we recommend that you take a closer look at the Universal Payment Card payment system and the Sberbank Pro100 Momentum card right now. But from the introductory part, we will now move on to a detailed discussion of our main topic - the Sberbank pro100 momentum card.

Sberbank card momentum pro100 - reviews and opinions

If we talk about reviews of this card, then you can get absolutely polar opinions. We will not quote here people who use the Sberbank Pro100 Momentum card, because this way you will not be able to form your own opinion. Rather, we will list the pros and cons of this product so that you can draw your own conclusions based solely on your perception. We will devote the next section to this, but for now, let's give information for the uninitiated - some definitions and a little bit of history.

What is Pro100? This is a kind of application for payments, "attached" to the UEC. UEC is, as we mentioned above, a "universal electronic card", which is a relatively new payment system in the Russian Federation. its beginning payment system UEC takes back in 2012, when it was registered among other payment systems approved by the Central Bank of the Russian Federation.

Currently, this payment system is just beginning to spread in Russia and is still at the stage of refinement and improvement. But in the future, the Sberbank pro100 momentum card will have a chip created in the Russian Federation, which will contain information about the pro100 payment application.

Sberbank card momentum pro100 - pros and cons

So, as we promised, let's take a quick look at the Sberbank pro100 momentum card. So what positive points is in this financial product:

As we have already mentioned, this payment system will transfer the new political and financial conflicts between the Russian Federation and the West quite smoothly.
For companies from the trade and service category using the Sberbank pro100 momentum card, commission deductions will be much lower than in the case of Visa and Mastercard cards
For a bank, the acceptance of a UEC payment system card also represents significant benefits and bonuses: there is no need to purchase new equipment to issue the same cards as a Sberbank pro100 momentum card, because the Mastercard platform is suitable for this payment system. Account balances will be noticeably increased, increase in the level of non-cash turnover and much more

Now let's analyze the negative aspects of using the Sberbank pro100 momentum card, and it is exactly one:

You will not be able to use this card in other countries

Sberbank Momentum pro100 card - how to use

Now let's take a look at some key points using a Sberbank pro100 momentum card. The card is accepted by any Sberbank ATM. By the way, you can get a Sberbank pro100 momentum card within fifteen minutes at any nearby branch.

But you need to know the fact that cash cash cannot be issued to you through a Sberbank payment terminal. For such transactions, you need to use, of course, an ATM.

Sberbank may part with its PRO100 card project, which it has been developing since 2010. Under launch conditions National system payment cards (NSPK) to support and develop its similar project, the state bank recognized as inappropriate. The most likely outcome for PRO100 will be the closure of the project, as buyers this product not now. The main users of PRO100 - sanctions banks are already looking for alternatives to this system.

Maxim Poletaev, the first deputy chairman of the board of Sberbank, told Kommersant that Sberbank intends to withdraw from its PRO100 card project. “Obviously, the situation has changed significantly, and we do not see any prospects for the development of the project,” he admitted. The project has lost its relevance against the backdrop of the creation in Russia of the NSPK under the Central Bank, which at the end of this year will begin issuing the national Mir card. The issue and acceptance of Mir will be mandatory for all major acquiring banks, which makes it inexpedient to develop our own system. “We are considering several scenarios for withdrawing from PRO100, positive or negative,” Poletaev told Kommersant, without specifying details. According to Kommersant, they involve the closure or sale of the project.

The PRO100 project was launched in 2010. This is Sberbank's own payment application used in the Universal Electronic Card (UEC) project, which is controlled by Sberbank (86.8%). PRO100 replaced Sberbank's previous card project, Sberkart, which was not widely used and was closed in 2012. To date, more than 2 million PRO100 cards have been issued.

Banks showed no interest in issuing PRO100 cards before the sanctions. Initially, Sberbank planned to distribute PRO100 as part of the mandatory issuance of cards (UEC) to all citizens with the PRO100 payment application. However, later it was decided to issue the UEC only on a voluntary basis. The revival of interest in the project was facilitated by the imposition of sanctions in March 2014, when the SMP-Bank and Rossiya banks that fell under them were disabled by Visa and MasterCard. They were able to ensure the operation of their cards by connecting to the UEC. Subsequently, banks that fell under sanctions, including those in Crimea, began issuing PRO100 cards as exclusively banking ones, since access to issuing cards of other payment systems was closed to them. In August 2014, Sberbank itself tried to support the PRO100 project, announcing the start of their issue.

The launch by the Central Bank of the national payment system of the Central Bank made it meaningless to further promote PRO100. According to market participants, it is actually impossible to realize a positive scenario - the sale of PRO100. “Given the expected launch of NSPK cards, I don’t see a buyer on the market who would now be interested in buying a payment application different from the common ones,” says Yuriy Bozhor, Vice President of KhMB Otkritie Bank. The only real interest in purchasing PRO100 may be banks that are now actively issuing these cards - sanctions largest bank Crimean RNCB and Rossiya Bank. Since the first issue of national cards is scheduled for the end of 2015, these banks could benefit from PRO100 transition period and for further servicing of issued cards. The RNKB did not comment on the possibility of buying PRO100. Rossiya Bank did not respond to a request from Kommersant.

The possibility of selling PRO100 specifically to sanctioned players is complicated by the fact that the application works on the basis of MasterCard's MChip. “PRO100 is not alienable from the UEC, it is just a payment application that can be transferred to the buyer in the form of an exclusive license, that is, the right to use technologies,” says Nikolay Smirnov, Chairman of the Board of Directors of Golden Crown. Whether MasterCard will agree to transfer the rights to use the MChip underlying the PRO100 to sanctioned players is a question. MasterCard declined to comment on "rumors and speculation."

However, the sanctions banks are already looking for a way out. It was Rossiya Bank that was the first to insure. As Kommersant was told at the bank's call center, cards of two systems are issued there - not only PRO100 cards, but also the United Settlement System (ORS). So far, ORS, which specializes in combining ATMs of Russian banks, has not announced the issue of cards. In the ORS, under the conditions of sanctions, they do not seek to advertise the innovation. “The company does not have such pilot projects and is not planning to,” said Igor Zotikov, chairman of the board of ORS. However, according to Kommersant's interlocutors, this project exists, and cards are being issued.

The Sberbank Momentum PRO100 card is a convenient payment instrument with a number of advantages at a low maintenance cost.

With the Momentum PRO100 card, you can pay for purchases and services, withdraw cash from Sberbank ATMs without commission, as well as from ATMs of other banks included in the Universal Electronic Card payment system.

Payment system PRO100

The banking project PRO100 includes many organizations that carry out a full range of financial services. It is believed that this Russian payment system will gradually take over domestic financial flows from Visa and Mastercard.

Advantages of the Momentum PRO100 Card

The Sberbank Momentum PRO100 card has undeniable advantages:

issued within fifteen minutes;
available to many - card maintenance costs 300 rubles per year;
the card is equipped with an electronic chip that provides a high level of security;
Momentum PRO100 card provides access to any financial transactions.

The high speed of issuing a card is possible due to the fact that this card is unnamed. The card has the PRO100 logo, it is accepted for payment in all places included in the UEC payment system.

Card expiry date

The Momentum PRO100 card is issued for a period of 3 years. The account can be opened only in rubles. The following additional services can be connected to the card at any time:

bonus program Thank you from Sberbank;
Internet banking from Sberbank Online;
Mobile bank;
auto payment for payment of all types of payments, incl. traffic police fines.

How to issue a card

Any citizen of the Russian Federation who has reached the age of 14 and has a permanent place of registration in the country can apply for a Momentum Pro100 card.

However, if there is only a temporary registration, then the application for registration debit card will be considered on a case-by-case basis and for the most part positively.
The Sberbank Momentum PRO100 card is issued at the nearest bank office. The operator will consider the application and issue it right there, within fifteen minutes.

Account replenishment and cash withdrawal from the card

Momentum PRO100 is used in the same way as other debit cards. If you have any questions, they will be helped to resolve in any branch of the bank.

Refill

Sberbank offers the following options for replenishing a card account:

through Internet banking of the Sberbank Online system;
through mobile app the same system;
Mobile bank;
through Sberbank ATMs and payment terminals.

You can also deposit cash through payment terminals of other banks or transfer funds from accounts held in other banks.
If you need to make a payment by bank transfer, then you need to have the details of the Sberbank of your “native” region, and in the line for the purpose of the payment, enter your own last name, first name and patronymic and card and account number.

If we want to replenish the account directly at the bank branch, then we will need to provide the employee with a passport and indicate the card number.
All information about payments can be obtained:

making a request for details of payments by e-mail;
via SMS notifications mobile phone about ongoing financial transactions;
you can generate a report yourself in the Sberbank Online system;
You can contact the Contact Center about this.

Card withdrawal limit

The withdrawal limit for PRO100 is set at 50,000 rubles per day. It should be noted that in the Sberbank system, the day starts from 00:00 to 24:00 Moscow time.

PRO100- payment system of Sberbank of Russia. Available for use through a bank card with a chip.

Sberbank has been developing the PRO100 payment system since 2010. It replaced the Sberkart system, which Sberbank created back in 1993. Due to the fact that the system was based on closed standards, it functioned only in the Sberbank network and has not been widely adopted. Thus, according to MForum Analytics, in 2010 over 85% of bank card transactions in Russia were processed by Visa and MasterCard. Of the Russian payment systems, a share of 4% had " gold Crown”, and Sberbank had even less.

With the start of issuing UECs in 2012, several hundred thousand transactions were completed in the PRO100 payment system developed by Sberbank, which is now being implemented only as part of this project. Potentially, 3-4 million citizens can become its users.

In the period from October 1, 2012 to February 2013, about 300 thousand transactions were made in the Sberbank network using the PRO100 payment system developed by the bank, Sberbank told CNews, adding that this system is now being implemented only as part of the project universal electronic card (UEC).

PRO100 is the only system enshrined today at the legislative level. On the basis of the PRO100 payment system, the fastest and most inexpensive launch of the national payment system is possible. The UEC Unified Payment and Service System includes 14 banks, 4 banks issue cards with the PRO100 payment application - these are the main Russian banks- issuers, which account for more than 40% of the total acquiring market. 359 000 trade organizations accept cards for payment with this payment system. Cards with the PRO100 banking application are accepted in more than 88,000 self-service devices throughout the Russian Federation.

Using the system on UEC. Competition with MasterCard

Cards based on PRO100 are not accepted abroad, therefore, the procedure for introducing a universal electronic card (UEC), approved by the Ministry of Economic Development, allows the placement of an additional banking application, with a reservation - for using the card outside of Russia. However, Andrei Petkevich, Vice President of the UEC, said that the additional application would be tied to the same account as PRO100 and would allow card payments both abroad and in Russia. The choice of the card application when making a payment will be carried out by the terminal device of the bank.

AT latest edition UEC rules, also approved by the Ministry of Economic Development, states that participants must place only the PRO100 application on the map. However, already at the turn of 2012-2013. "UEC" planned to prepare a new edition of the rules. It is possible that it will also include the possibility of adding an international payment application to the UEC.

With a high probability, MasterCard will be used as an additional banking application at UEC, says Petkevich. He attributes this to the fact that the PRO100 is technically based on the MasterCard product. In particular, the Russian payment system uses its M/Chip application, which operates on the basis of open banking standards, which makes it possible to use the already existing infrastructure for transactions with PRO100-based cards.

The main difference between the systems is the amount of transaction fees, as well as the fact that payments through PRO100 are processed in processing centers in Russia and information about them is not displayed abroad. UEK also has an agreement giving the right to use M/Chip in a universal electronic card.

Lower tariffs will help compete with the foreign analogue PRO100, according to Sberbank. “In terms of tariffs and participation conditions, this is a national payment system that is more accessible to participants, the fair tariffs of which will allow accepting these cards not only in those stores where international cards are now accepted, but also in those that cannot currently afford to work with cards and so far they only accept cash, ”Sberbank notes.

Now you can pay with a card based on PRO100 in any trade and service enterprises and stores that are serviced by UEC member banks, they say in Sberbank. Judging by official reports, there are only nine so far. But for now, you can withdraw money from the PRO100 card only in the Sberbank network.

“By the time the UEC is issued to citizens in industrial mode, such an opportunity will appear in the network of other banks participating in the UEC. The number of participating banks will be several dozen banks, and these are several tens of thousands of ATMs throughout the country,” Sberbank assures.

No one hides the orientation of the UEC towards the payment system of Sberbank PRO100, which seeks to compete in Russia with Visa and MasterCard. The bank is the main driver of the universal card project and, using it, it naturally seeks to increase the number of points where PRO100 is used.

According to UEC Vice President Alexei Popov, the issued card will use the acquiring network of Sberbank, Uralsib, AK Bars (two other UEC shareholder banks).

“These are several tens of thousands of self-service devices, as well as many large retail chains, shops, restaurants,” he said in March 2013.

In the first quarter of 2013, according to Popov, already 15 banks will be ready to place their logo on the cards.

As of March 2013, the scale of use of PRO100, the number of points where you can pay with such cards, even in Russia, is not comparable with foreign competing payment systems. The business of such systems is a percentage of the operations that they helped to carry out. In the case of UEC, this is also true - for commercial services, i.e. any use of the card to pay for non-state services, a commission will be charged for using the payment application on the card. Its size has not yet been determined.

Sometimes Visa or Master negotiate with points of sale about discounts when paying with cards of their systems, and now competitors are actively developing contactless payments: PayWave and PayPass, respectively.

Supporting marketing campaigns of foreign payment systems are understandable to the consumer: “Pay more than all your bank’s customers this month using PayPass and get…”, “Pay contactless in this cafe and get…”. Also at small amount contactless payment does not require a PIN or signature.

UEC, when explaining to users the need for their card, comes not from the convenience of the payments themselves, but from the potential availability of other functionality. For example, on the Moscow portal of public services, you can log in using a card right now. In the future, transport, medical and other applications will appear on the map. Competing payment systems are precisely payment systems, and they obviously do not have such opportunities and will not have them. But they do their job well and all over the world.

Another interesting opportunity for the development of the Russian universal card, and with it the Sberbank payment system, is the expansion of the bank's ATM interface. UEC will easily come to an agreement with the main shareholder. Since the spring of 2013, you can make an appointment at the capital's polyclinics through the bank's terminals.

Card usage fee

Maintenance of bank electronic cards of Visa or MasterCard systems is not free. Potentially, the use of UEC can also become paid, although the likelihood of this is small, said since March 2013 the vice president of Sberbank Alexei Popov:

“Neither the regions nor the federal authorized organization will charge a fee for servicing the card, but the bank whose account is used to operate the card has the right to charge money for servicing the banking application.”

In his opinion, competition between banks will lead to the fact that the introduction of fees will not be profitable for them.

First payments

The possibility of making transactions in the PRO100 system is provided in the UEC by the presence of an electronic payment application on the card, which is activated exclusively at the request of the applicant. It allows you to make purchases using a card, pay for goods and services in stores, state duties, taxes, etc. non-cash form or withdraw cash.

As of January 2013, UEC cards are accepted for payment in more than 99,000 trade organizations serviced by Sberbank, and their number is growing, the bank says. For example, with the help of UEC you can pay in stores:

X5 Retail Group (Perekrestok, Karusel, Pyaterochka),
communication salons "Megaphone",
in Euroset and
"Connected",
Eldorado stores and
mediamarkt.

As others are connected to the UEC project credit organizations, amount outlets serving PRO100 will only increase. To start accepting UEC cards for payment at retail outlets, as a rule, no expensive modernization of existing or purchase of new equipment is required, Sberbank says.

The issue of the PRO100 banking application is now carried out by Sberbank and, since January 2013, also Bank Uralsib". Sberbank says that other banks participating in the project, which currently number more than 20, are now in various stages of readiness to issue and service the card. "Despite this, the existing issuers of the electronic banking application of the UEC card are able to fully cover the needs of citizens at the time of the start of the project," Sberbank added.

According to UEC, about 13 thousand applications for an electronic card have been submitted (as of January 2013). Upon receipt of the card, all these citizens will be able to immediately activate and use the banking application. By the end of the year, UEC plans to issue up to 3-4 million universal cards, and the potential audience of PRO100 users is about 100 million people.

Initially, in accordance with 210-FZ, it was assumed that from January 2014 the UEC would be issued to all Russian citizens over the age of 14 who did not write an application in advance to refuse to receive it. However, in February 2013 in Kazan, the Minister information technologies and Communications Nikolai Nikiforov said that the UEC would not become mandatory from the beginning of 2014. He later clarified that the mandatory issuance of electronic identity cards in Russia would remain, but these would be electronic passports, for the issuance of which the Federal Migration Service (FMS) would be responsible. The new date (if it really changes) will be determined by the FMS bill, which is currently being discussed with other departments. A direct amendment to 210-FZ, he said, will not be required. He also stressed that the regions, if they wish, may not wait for this date and set earlier deadlines for the mandatory issuance of universal cards.

It is clear that with the development of the Sberbank payment system with the help of UEC, state support will be provided to it. First of all, from the point of view of making all payments in favor of the state. Federal Law 162 amended the main normative document on electronic public services (210-FZ). From January 1, 2013, the use of the "state information system on state and municipal payments” (GIS GMP) has become mandatory for revenue administrators (the so-called state structures providing services) and for payment operators (these are banks) in terms of informing about their implementation.

Thus, already now all banks are obliged to transfer information about payments to the GIS GMP. The plans of the Federal Treasury for 2013 include the appearance on the portal of this system that accumulates all such information, an interface for making payments, including with identification by UEC. By logging in with the card, you can find out about your debts to the state and pay them off. The portal of the federal authorized organization itself is also integrated with the GIS GMP, which will make it possible to make payments from it as well.

Reincarnation of the old system

Sberbank has been developing the PRO100 payment system since 2010. It replaced the Sberkart system, created by the bank back in 1993. Sberkart was based on closed standards, and therefore could only function in the infrastructure of Sberbank itself and were not widely used. By the time the project was completed, according to Sberbank, there were approximately 3.2 million such cards issued.

The cards of the PRO100 system, in turn, are based on international banking standards, which means that they can use the same banking infrastructure as foreign payment systems. At the same time, unlike the latter, payments through PRO100 are made in processing centers located in Russia and are not withdrawn abroad.

Technologically, PRO100 uses the MasterCard M/Chip banking application on cards, based on international standard EMV. The same standard is used by the Visa payment system. It regulates the functionality of universal applications for debit and credit cards, and also sets the rules for the card and the terminal in the implementation and maintenance of this application.

2014: Resuscitation PRO100

Sberbank is counting on a significant boost in the development of its PRO100 system. This was announced to Izvestia in March 2014 by Vice President of Sberbank Alexei Popov.

- In connection with the development of the UEC project, many banks became interested in the PRO100 payment system, - he said. - Now, due to the fact that Visa and MasterCard have blocked payments on cards of a number of credit institutions, our domestic payment system can get a significant boost to development.

Representatives of Sberbank note that cardholders with the Russian payment system PRO100 will not be affected by US sanctions to block international payment systems.

- Holders of universal electronic cards of the Russian payment system PRO100 issued by Sberbank of Russia OJSC, Uralsib Bank OJSC, AK BARS BANK OJSC and Moscow Industrial Bank OJSC will continue to receive payment services in full, regardless of US sanctions in concerning the Russian banks, - have declared in Sberbank.

The PRO100 system is included in the register of payment systems registered by the Bank of Russia. Its operator is the federal authorized organization OAO UEK, and the settlement center is Sberbank. While PRO100, despite lower tariffs than international systems, was not popular with private banks and retail outlets, competitors did not want to develop the state bank project. Some media at the beginning of the year even predicted the closure of the system. But now everything can change, experts are sure.

“While the PRO100 system was just one of the payment systems, it made no sense for private banks to issue cards with PRO100 support and contribute to its development,” says Maxim Ratnikov, an analyst at the Taxadmin.ru Expert Center. - But now, due to the real threat that any international card can be blocked at any moment, PRO100 can be declared nationwide and the government can be involved in its promotion.

In addition, now the question of which payment system will be installed in the electronic passport of a citizen of the Russian Federation, the issuance of which the FMS has planned since 2016, can be finally closed, Ratnikov is sure.

- In 2013, there were discussions in the government about which banking application to install in the electronic passport, and many were inclined to think that it was more logical to link the passport to international system he says. - Now it is obvious that the choice in favor of Visa and MasterСard will definitely not be made.

In the spring of 2014, 14 Russian banks joined the Universal Electronic Card (PRO100) payment system, 4 banks issue universal electronic cards with the PRO100 payment application. More than 250 thousand trade organizations of the most significant retail chains accept UEK cards with the PRO100 payment system for payment. In addition, UEC cards are accepted in more than 68 thousand self-service devices throughout the Russian Federation.

Russian banks will be able to accelerate the issuance of payment cards based on the PRO100 payment system

In March 2014, the federal authorized organization "UEC" is preparing amendments to the Rules of the Unified Payment and Service System "Universal Electronic Card" (PRO100), thanks to which Russian banks will be able to issue their bank cards based on the UEK PRO100 payment system in even shorter periods without being tied to a universal electronic card. Changes to the Rules will be made in the near future.

According to the requirements set federal law dated June 27, 2011 No. 161-FZ "On the national payment system" "UEC" is registered central bank of the Russian Federation as an operator of the Universal Electronic Card payment system. Since 2012, its operator has been UEC, the federal authorized organization Open Joint Stock Company Universal Electronic Card. The functions of the settlement center in the PS UEK are carried out by Sberbank of Russia.

The Universal Electronic Card (PRO100) payment system includes 14 banks, 4 banks issue cards with the PRO100 payment application - these are the main Russian issuing banks, which account for more than 40% of the entire acquiring market.

359,000 trade organizations accept cards with this payment system for payment. Cards with the PRO100 banking application are accepted in more than 88,000 self-service devices throughout the Russian Federation.

PRO100: conquering the market

As of August 21, 2014, PRO100 is a payment system with all the necessary parameters for sustainable development. It includes a ready-made set of rules, tariffs, modern software and chip technologies (including Russian ones), and, importantly, Russian banks can issue PRO100 system payment cards without being tied to UEC.

The first step towards changing the status of PRO100 was made in May 2014, along with the issuance of Russian National Commercial Bank (RNKB) cards. PRO100 is one of the first major projects on the territory of the new subject of the Russian Federation.

“The PRO100 payment system guarantees uninterrupted operation of cards issued on its basis throughout Russia. There is every reason to believe that PRO100 cards will soon become the most common payment instrument for individuals in Crimea, especially on the eve of the tourist season, ”said Aleksey Popov, president of UEC.

At the beginning of summer 2014, two more Crimean banks, the Black Sea Bank for Development and Reconstruction (ChBRR) and Morskoy, joined the issuance of cards based on PRO100. By the end of June, 333 thousand payment cards with PRO100 were issued in Crimea, the total number of issued cards based on this payment system exceeded 800 thousand.

In the Crimean region, PRO100 became a backbone payment system after separation from Ukraine. By the end of 2014, the implementation of the Universal Electronic Card project will begin on the peninsula. The authorized organization that will ensure the issuance, issuance and maintenance of universal electronic cards is the state unitary enterprise Krymsvyaz. The program implies the creation in the region single center processing and billing (EPBiB), on the basis of which centralized accounting of all transactions in the field of housing and communal services, transport, healthcare, education, including servicing privileged categories of citizens, is carried out. The ECPiB can also be a platform for creating a regional information system for housing and communal services within the framework of the GIS housing and communal services.

At the beginning of June, Rossiya Bank joined the PRO100 payment system. The Bank of Moscow entered into an agreement with UEC on the creation of an inter-host connection, through which mutual acceptance and servicing of bank cards in the infrastructure of banks participating in the PRO100 payment system is ensured.

“Fulfilling the recommendations of the Central Bank on the construction of host-to-host connections, the Bank of Moscow provides its customers with additional confidence when using plastic cards in the Russian Federation. Interhost with [[Universal Electronic Card (UEC)|UEC]] also opens up new opportunities for the Bank of Moscow card business, and the business of our agent banks, to which we provide sponsorship services," said Maxim Patrin, Vice President " Bank of Moscow".

According to the Central Bank, as of April 1, 2014, more than 219 million plastic cards were issued in Russia, including about 189 million settlement cards (+13.6 million per year). Analysts express little doubt that the PRO100 will be able to take a fairly prominent place in this market.

Payment system PRO100 received the status of nationally significant

In November 2014, the Central Bank of the Russian Federation recognized the Universal Electronic Card (PRO100) payment system as nationally significant.

The status of nationally significant will allow the payment system to continue operating without placing a security deposit with the Bank of Russia.

PRO100 meets the basic requirements Central Bank: control by residents of the Russian Federation, reliable information protection, Russian software, compliance with the requirements for the legal framework for the use of the main own and licensed components and tools of the payment system.

The UEC PRO100 payment system includes the main Russian issuing banks, which account for more than 50% of all acquiring in Russia. PRO100 cards are accepted by more than 100,000 cash dispensers throughout the Russian Federation, more than 20,000 branches and operating offices, 500,000 trade and service organizations. As of October 2014, more than 1.2 million PRO100 cards have been issued.

Under the Central Bank, which at the end of this year will begin issuing the national Mir card. The issue and acceptance of "Mir" will be mandatory for all major acquiring banks, which makes it inexpedient to develop our own system. We are considering several scenarios for exiting PRO100 - positive or negative."

The details are not specified. As of June 2015, more than 2 million PRO100 cards have been issued.

Initially, Sberbank planned to distribute PRO100 as part of the mandatory issuance of cards (UEC) to all citizens with the PRO100 payment application. However, later it was decided to issue the UEC only on a voluntary basis. The revival of interest in the project was facilitated by the imposition of sanctions in March 2014, when the banks SMP-Bank and the national payment system that fell under them made it pointless to further promote PRO100. According to market participants, it is actually impossible to realize a positive scenario - the sale of PRO100.

At that time, it was not yet presented in the line new map Sberbank, which became known as the "Universal Electronic Card", or simply UEC. Let's dwell on it in more detail.

Payment system

All types of Sberbank cards are served by payment Visa systems and MasterCard. Universal plastic cards Sberbank of Russia is an exception: they are served by the Pro100 national payment system of the same name.

This card is not yet accepted for settlements everywhere - technically it can be used in 40% of terminals of the banking network, and 60% of ATMs. Since the development of the system belongs to Mastercard, it will not be difficult for banks to finalize the software and provide full coverage of the acquiring network by the end of 2016.

All types of Sberbank of Russia cards are usually divided into debit and - either for settlements with your own money or bank funds. Universal cards have a wider purpose.

Universal cards of Sberbank of Russia are used:

To store savings and settlements;
For identification (in some cases);
To pay for public transport;
To receive social benefits;
For remote recording in hospitals, instead of a compulsory medical insurance policy;
To order the state services;
To pay utility bills.

More recently, there was talk about how great it would be not to carry a bunch of documents with you and collect them every time, but to use a universal chip in which this data will be stored. And here you are - Sberbank card "Pro100". So far, however, it cannot be presented everywhere instead of a passport, but it already has great functionality.

What owner data can the UEC contain?

Date of Birth
SNILS number
CHI policy number
Electronic signature

All this information is applied only with the consent of the owner.

Applications

2 applications are attached to the card: for electronic payments and identification.

The first allows you to make the usual calculations: payment, withdrawal, replenishment, etc. The second is intended for the user to receive public services in the field of health care and pension insurance.

How to issue UEC Pro100?

So the answer is: simple. Just come to the Sberbank branch with a passport, medical policy and "green" (SNILS), write a statement and wait for your card.