In December 2015, the first Russian plastic cards “Mir” began to be issued. According to the creators, over time this financial instrument will be a worthy competitor to cards of foreign payment systems. Where did the idea of creating a national plastic come from? What capabilities and advantages does it have? And how to become the owner of a card with a memorable green-blue emblem? You will learn about this and much more from our article.
The first Russian plastic card "Mir"
The reason for the creation of JSC National Payment Card System (NSCP) in the Russian Federation was serious failures in servicing Visa and Mastercard cards in 2014. In connection with the introduction of sanctions against Russia, the mentioned payment systems stopped processing transactions on cards of several banks. This is what prompted the development of our own Russian system payments.
The main tasks of the NSPK:
- Processing transactions on cards of foreign payment systems within our country in an uninterrupted manner;
- Creation and distribution of a national payment instrument - PC "Mir".
The Russian plastic card "Mir" will allow its owners to carry out various financial operations regardless of rapid changes in the foreign policy situation and decisions of global payment systems.
How to use PC "Mir"
At the moment, a plastic card allows you to carry out the following operations:
- depositing and withdrawing money from an ATM;
- money transfer from a card account to another bank account;
- payment for goods and services, including utilities;
- transferring funds to an electronic wallet, for example, Yandex.Money and Webmoney;
- payment for goods and services outside the Russian Federation - is now available only for co-badged cards that contain the emblems of two payment systems: Mir and Maestro (from Gazprombank).
Naturally, this is just the beginning. In the future, it is planned not only to expand the circle functionality, but also a network of Mir card service points in Russia and abroad.
Which banks issue the Mir plastic card?
According to information from the official website, seven banks issue plastic cards. Citizens who are serviced by Gazprombank, Moscow Industrial Bank, MDM Bank, Rossiya Bank, RNKB Bank, Svyaz-Bank and SMP Bank can become owners of a domestic payment instrument. In addition, Mir cards are being tested in 21 more Russian banks.
PC "Mir" has all the basic properties of payment cards. It can already be used in 1,500 ATMs and 100 thousand terminals in Russia. By 2017, all banks in the Russian Federation must connect to the system, for which there is a corresponding law of the Central Bank.
Thus, at the end of next year, holders of the Mir PC will be able to pay with it at any retail outlet in our country, and to display the card on international markets, according to the creators, it will take about two to three years.
How to get a plastic card "Mir"
In order to apply for a national card you must:
- With your passport, contact the bank that issues Mir payment cards - information about such financial organizations is posted on the official website of the NSPK;
- Write an application for a banking product.
Next, you will need to wait about seven days - that’s how long it will take to make the card. After receiving the card, the owner will be able to freely manage it: withdraw money, pay in the trade and service network, etc.
Cost and design features of the “World” card
Some banks provide their clients with the opportunity to fill out an application for issuing the Mir PC online. To do this, you need to follow the bank link and click on the button: Apply for a card. In the window that opens, you must fill out the form fields and agree to the processing of your personal data.
There you can also find information about tariffs for the Mir card. For example, the cost of annual maintenance of a simple “Mir” main account will cost the owner 90 rubles. Annual maintenance for classic and premium cards will cost 450 and 2 thousand rubles, respectively.
The official website of the NSPK contains all the information about the Mir plastic card
On the official website of the NSPK in the section: Payment system "Mir" the following data is posted:
- about the history of the Mir brand and logo;
- about PC rules and tariffs;
- on the list of operating operators and participants of the Mir payment system.
If you encounter difficulties with the card or other questions, you can contact the 24-hour technical support service for users: 8-495-705-99-99 and 8-800-500-00-05. You can also use the option: Feedback and send a message to the NSPK email in the section: Contacts.
Advantages of a national financial product - PC "Mir"
According to the head of NSPK Vladimir Komlev, the cost of issuing the Mir card at the beginning of the project will approximately correspond to the cost of issuing cards of other payment systems. In the future, with mass production of plastic, the cost of the Mir PC will be lower. Let us remind you that this card will become available to the mass consumer in the second half of 2016.
The main task of NSPK "Mir" is to ensure the security of transactions and independence from foreign payment systems. Cards are produced in compliance with Russian standards and technologies. PC "Mir" can interact with other payment systems in accordance with all international standards.
Advice from Sravni.ru: IN Lately Internet fraud related to the issuance of a Mir card for special purposes has become popular. favorable conditions. Messages of this nature are sent to citizens' email inboxes. The letter asks you to install an application or fill out an online form to receive a card. Do not open such letters and do not provide any personal data, logins or passwords - real bank employees never ask for such information.
Card production time
In Moscow, St. Petersburg, Novosibirsk, Yekaterinburg, Nizhny Novgorod and others major cities The card will be ready in 2–3 business days; in the regions, production and delivery will take from 3 to 10 business days. Delivery to remote locations may take up to 15 business days. Exact dates are available.
When issuing a card, only working days are taken into account. If you order it on Friday evening, the production time will be counted from Monday.
You can see if the card is ready and when it will be delivered to the office in Sberbank Online in the “Cards” section.
What documents are required to receive a card?
To pick up the card, bring with you your passport or other document that was used to apply for the card. To receive a card for another person, you need a notarized power of attorney.
How to start receiving THANK YOU bonuses?
After receiving the card, you must register in the “Thank you from Sberbank” program. The easiest way to register: send an SMS to number 900 with the text THANK YOU 1234, where 1234 is the last four digits of the card number.
You can also register for the program at personal account Sberbank Online and at a Sberbank ATM - find the “Thank you from Sberbank” section and follow the prompts.
Bonuses are awarded automatically when paying by card - their number depends on the level of privileges.
It should be remembered that bonuses are awarded only when paying for goods and services. This does not happen when withdrawing cash from ATMs. But when you pay for purchases remotely in online stores, bonus Thank You bonuses are credited to your account.
How can I use THANK YOU bonuses?
THANK YOU bonuses can be exchanged for discounts when purchasing goods and services from Partners; a full list of partners is available. In addition, THANK YOU bonuses can be exchanged for a discount when purchasing air tickets and hotel accommodations (on the website “Thank you from Sberbank. Travel”). Bonuses can also be exchanged for discounts when purchasing tickets to events - the service is available on the website “Thank you from Sberbank, Impressions”.
How can I find out my card details?
To find out the details, go to mobile application Sberbank Online find the desired card and click "Show details".
Another way: in your Sberbank Online personal account, go to the “Cards” section and find the card you need, then “Card information” → “Transfer details to the card account”.
Is it safe to use a contactless card?
Yes, the card is safe. It is always in the hands of the owner, so its data remains inaccessible to fraudsters. Making purchases without presenting a card or entering a PIN code is much safer, since no one sees the card data. Besides, contactless technology protects against double debits- after paying for the purchase, the terminal beeps and turns off automatically.
Hello dear readers. The topic of today's article is bank card World.
You all remember that some time ago Western countries imposed sectoral sanctions on many Russian banks. It is for this reason that the government of the Russian Federation made a timely decision to form the National Payment Card System and issue bank plastic cards under the NSPK.
National System Plastic Cards(NSPC)
Banks with the best credit cards in 2017
NSPK system
The NSPK system has been implemented since the beginning of 2014, and at the moment the operational and payment clearing center To process transactions on bank cards, it entered into agreements with payment systems of other countries for the transfer of domestic transactions to a national processing center.
Transferred to NSPK:
- June 19, 2015 from MasterCard using Maestro cards;
- July 7, 2015 with Japanese JCB system.
- In July 2015 with the American system American Express.
World map release
Since December 2015, most Russian banks have been involved in issuing the world card. Among them are:
- Gazprombank;
- SMP Bank;
- MDM Bank;
- Communication Bank;
- Sberbank;
- Bank Russia.
What does a world map from Sberbank look like? As of May 2017, there are more than 300 issuing banks.
Sberbank of Russia joined the issue of Mir payment cards in the second half of 2016.
Currently the spectrum available services According to the World map issued by Sberbank of Russia, it is represented quite widely. We will look at this list in detail below.
The world map is presented in Russian banking market in several versions.
Debit card
Debit card world: review Since the national payment system began operating not so long ago, the list of banks issuing the Mir card is constantly expanding. Before ordering, an ordinary client needs to familiarize himself with the list of banks that are represented in his region. This is not entirely convenient. It is much easier and more reliable to use the service of issuing a plastic bank card from a time-tested bank. IN in this case we are talking about Sberbank.
Please note: the Sberbank World Card is most actively distributed in Moscow and the Moscow region.
Well, a list of Sberbank branches in your region or city can be found at this link.
Credit
Credit Card World: Review With development banking sector, it will be possible to get a Mir bank card in the form of a credit card.
As you already understand, in terms of functionality, the Mir bank card is practically no different from a regular credit card. And therefore, all the documentation that the bank presents to the borrower will be similar:
- The client needs to confirm his official income.
- Provide identification.
- Certificate 2-NDFL.
Note, if you get a credit payment card world in Sberbank, but are not participants in the salary program, that is, you do not receive wages to an account with this bank, you will need to provide additional documentation.
How to get a world map
To obtain a Mir card, Sberbank offers several available ways.
Getting a world map online
The easiest way is to obtain a world debit card online on the Sberbank website. By following this link, you can fill out an application.
You will need to provide your full name, contact and passport details. After filling out the application, a manager will contact you shortly and explain further actions. Usually, the world card is received at the nearest bank branch at the client’s place of residence.
Please note: when applying online, you will not need to visit a Sberbank branch again. You will only come to receive a card. It is possible to deliver a bank card by courier service to the client’s home.
At the bank office
In order to order the issuance of a world bank card directly when visiting an office, you need to meet the standard requirements for bank card users who Sberbank presents for its clients:
- You must be 14 years old at the time of receipt.
- You must have permanent or temporary residence/registration in the territory Russian Federation.
- When visiting a bank office, you will need to present a document confirming your identity, fill out a form,
Additional requirements and tariffs can be found here.
How to top up or withdraw cash from a world card
The world bank card issued by Sberbank is serviced in all self-service devices and ATMs of this bank. A list of ATMs and payment terminals can be obtained from this link.
Replenishment of the card is carried out in various ways, which are also available for cards of other payment systems:
- You can deposit cash at any payment terminal or an ATM, if it has functionality for accepting cash.
- You can transfer money by bank transfer from any third-party bank account.
Typically, to make a payment, you must enter in the payment purpose such data as the client's full name, card number and account number for crediting funds.
- Replenishment is also available from any Sberbank debit card, namely using the “ ”, “ ” service, as well as any payment terminal or ATM.
Terms for crediting funds to the world card
Typically, funds on your card when topped up using any of the above methods will arrive no later than the next business day from the moment they are credited to your bank account.
- Another way to top up your Mir debit card- visit the Sberbank office and contact the manager.
To do this, you tell the bank employee your card number and show your passport. You can also provide the card account number and details of the bank that issued this card.
Opportunities and conditions for a world bank card
You can get all the information you are interested in about transactions carried out using your card:
- Calling the Sberbank contact center
- Get traffic report Money to your email.
- Connect SMS notification in the service Mobile bank from Sberbank.
- Use the Sberbank Online service to generate a statement for any period you are interested in.
You all know that servicing debit and credit bank cards is quite expensive. As for the Mir bank card, Sberbank offers the following service conditions:
You can find out about other features and capabilities of the world card, which state employees and when they are transferred to using this card
from this video:
Advantages and disadvantages of a bank card world
Like most other services and banking products in the case of the Mir card and the national payment system, there are advantages and disadvantages.
Pros:
- Quite low price for service. For example, the cost of servicing VISA or MASTERCard is higher. And sometimes it reaches up to 500 rubles per year, depending on the bank.
- Widely used everywhere: you can make payments via the Internet.
- Reliability of the card: Since this bank card was issued in Russia, the possibility of it being blocked by foreign payment systems is minimized.
- Interest-free transactions at terminals and ATMs of the issuing bank.
Minuses:
Currently, the World map is not widely distributed. Although more and more banks are connecting to the national payment system, only 3.5 million bank card data have been issued. But the situation may change significantly in the near future, because Sberbank alone plans to produce about 20 million units by 2020.
This concludes our review of the Mir bank card, issued by Sberbank and others financial institutions. If you have any questions or want to write a review, leave them in the comments. We will supplement this article with the most detailed of them.
Banks issue Visa cards, MasterCard, replace them in a timely manner, ensure receipt of cash, and client access to the card account. Payment systems play the main role in mutual settlements using plastic.
The management of Visa and MasterCard companies is located in the USA. Complex international relationships made the use of their products in the Russian Federation unreliable. There was a need to organize the work of cards on our own.
The Russian system was developed and launched at the initiative of the government. She faces serious challenges:
- provide non-cash payments;
- become attractive to clients;
- create an alternative to Visa, MasterCard.
Let's get acquainted with the Sberbank MIR payment card and find out how the assigned tasks are solved.
Russian payment system
One of the first foreign sanctions in 2014 concerned bank cards. They stopped working in Crimea. In the same year, work began on our own payment system. Everyone made suggestions and expressed their opinion regarding the name and logo. In December 2015, the first ones were released and started working Russian maps WORLD.
The plastic national system is valid throughout the Russian Federation, including Crimea. It is problematic to use MIR outside the state; most countries do not accept it.
Despite its more modest functionality compared to international cards, MIR:
- is a means of payment that will continue to work even in the event of a refusal Visa service, MasterCard;
- make sanctions against international plastic irrational and indirectly ensure its stable operation.
What kind of card is this and why is it needed?
The main flow of MIR clients are pensioners, military personnel and public sector employees. In 2017, the replacement of international cards with Russian ones began. By federal law money from the budget can no longer be received with the participation of foreign instruments. An exception is made for pensioners: they can switch from Maestro during a planned reissue, up to mid-2020.
The measure provides:
- independence of pensions and salaries from decisions of other states;
- a decent customer base for a young system that would not withstand market competition.
What does it look like
Sberbank MIR plastic card of standard sizes. It bears the number, last name, first name of the holder, expiration date, and has a built-in electronic chip. On back side contains a magnetic tape, a strip of high-strength paper for the holder’s signature, and a CVC code.
The design is carried out at the discretion of the bank and is updated periodically. A prerequisite is the presence of the logo in white, green and blue. At a quick glance, the differences between plastic and international ones are hardly noticeable.
Card number
The 16 digits on the front side are the card number. Don't confuse it with the account number. It is in the details that can be obtained from the bank or found in your personal online banking account.
For what period is it issued?
The product is valid for 5 years. The developers claim its increased strength and protection against counterfeiting.
How is it different from other payment systems?
The differences are significant:
| WORLD | International | |
|---|---|---|
| Coverage area | All Russia, Armenia. Other countries only with co-branded cards. | All countries, including Russia. The exception is the territory of Crimea due to sanctions. |
| Currency | Ruble | Ruble / Euro / US Dollar |
| Validity | 5 years | 3 years |
| Possibility to use in salary projects | For all | Only for employees of commercial organizations |
| For pensions | Fits | Not legally compliant |
| Technical glitches | Frequent | Rare |
| Dependence on foreign policy | Low | High |
Where can I pay?
MIR accept:
- All Retail Stores Russia (obligated since October 2017);
- utility providers;
- government and municipal institutions, accepting payment by card.
Restrictions:
- Not all online stores allow you to pay, especially those involving foreign companies;
- no possibility to use abroad.
Is it possible to pay abroad?
Plastic operates on the territory of Armenia. In other countries MIR is not accepted. Negotiations are underway for reception in the EurAsEC countries, Turkey, UAE, Thailand and other popular resorts. No agreements have been reached yet.
- cashless payment;
- receiving cash from ATMs and cash desks;
- sending and receiving transfers, including payments from the budget.
Possibilities
Having figured out what the MIR card from Sberbank is and why it is needed, it is useful to learn about its additional capabilities:
- access to remote services;
- account replenishment in cash and non-cash transfers;
- connecting automatic payments to pay for cellular communications, utilities and other services;
- transfer of money to a separate client account in comfortable amounts in automatic mode (Kopilka service).
Sberbank MIR co-branding card
Two or more payment systems can agree to work together. The same plastic will be served in different territories in different systems. This service is practiced in the absence of technical support for individual companies in some countries, it is called co-badging.
MIR has entered into agreements with MasterCard (Maestro), UnionPay, JCB. Some banks have started issuing co-branded cards. Due to low demand and the inability to use them as salary and pension funds, Sberbank does not issue them.
What categories are MIR cards divided into?
The official website of Sberbank offers three types of media: classic, gold, social/pension cards. In the premium segment individual offers are received by participants in salary projects.
Credit
The product implies providing the client with the opportunity to use a certain amount that is available through payment by card or withdrawal of cash from it. The bank charges a commission for using funds. Valid for non-cash payments Grace period from 20 to 50 days, when the client can top up the card balance without paying interest.
The Russian system is young, and as of 2018 Sberbank does not offer MIR credit cards.
Debit
A basic set of functions, the task of which is to replace cash in the client’s wallet. The card allows you to:
- deposit cash into it;
- receive and send transfers;
- pay at the checkout by presenting plastic instead of money;
- if necessary, withdraw funds from an ATM;
- use remote bank services.
Sberbank produces the most common type of plastic – debit cards without overdraft. They look similar to international ones.
Standard
It is used primarily as a salary for civil servants and other public sector employees. In this case, the card is free for holders.
Plastic provides full functionality of a debit card. The limits for receiving cash and cashback are the same as for international Standard.
Golden
The daily limit for cash withdrawal is set 2 times higher compared to the standard product.
Increased Thank You bonuses are awarded for non-cash payments in the previous month in the amount of over 15,000 rubles.
Receiving payments from the budget. However, due to the high cost, organizations refuse to maintain it. If you wish, you can pay annual maintenance independently, providing the details for transfers.
Social
Discount product. Provided to those who have confirmed their right to receive payments from the Pension Fund and other pension authorities, as well as to those who transfer from Maestro Social.
You can refuse by choosing another method of receiving payments: to a bank deposit account or in cash via mail.
Other varieties
Announcements about the upcoming launch regularly appear in the press. But until the end of the first half of 2018, premium and MIR credit cards did not become freely available in Sberbank.
According to a personal offer, some participants are offered to receive a debit Premium or Premium+. The bank's website does not contain accurate information about tariffs and terms of service. There is a message that the products are similar to Platinum and Infinite.
Premium international plastic provides increased limits for cashing out, increased bonuses Thank you, VIP service, Infinite - additionally free extended travel insurance.
Service cost
| Classic | Pension | Gold | |
|---|---|---|---|
| Service cost | 750 rub. in the 1st year, 450 - every subsequent year | For free | 3000 rub. for each code |
| Reissue fee for reasons depending on the holder | 150 rub. | 30 rub. | For free |
| Daily limit for cash withdrawal without commission, thousand rubles. | 150 | 50 | 300 |
| Monthly maximum cash withdrawal without commission | 1.5 million | 500 thousand | 3 million |
| Calculation of interest on the balance | – | 3,5% | – |
| Mobile bank | 60 rub./month. | 30 rub./month. | For free |
| Bonuses | According to general rules | Opportunity to receive increased | |
How to get a?
- Submit an application and provide your passport details.
- Wait for an SMS indicating that the card is ready for issue. This stage lasts from 2 to 14 days in different regions. Manufacturing often takes place in another city, and delivery time is required.
- Show your passport and receive a card.
Ways to get a card
The issue always takes place at the bank's office. You can order there or online.
Terms and requirements
To get classic and gold MIR:
- age from 14 years;
- permanent or temporary registration in the Russian Federation.
As confirmation, present your passport if registration is temporary, as well as a certificate.
Compliance with the requirements necessary to issue a pension card:
- citizen of any state and stateless person;
- at least 18 years of age;
- with permanent or temporary registration in Russia;
- confirmed right to receive a pension from departments in the Russian Federation.
Relevant documents:
- passport;
- certificate of receipt of a pension with a blue stamp;
- if available, a certificate of temporary registration.
In the department
Contact a bank employee using the electronic queue. Present your passport and indicate your desire to receive plastic.
The employee will tell you about the product, you can ask for written rules, tariffs, read them. Ask questions; it is the manager’s responsibility to clarify all ambiguities to the client.
Complete the standard application. The employee will inform you of the estimated delivery time for the card.
Through the Internet
The online application is available on the bank's website. Go to the page with information about the card you are interested in, click on the registration button. The algorithm will differ depending on whether you are an existing client or a new one. In any case, fill out the appropriate sections in the menu that opens. The bank will review the application and notify you of the result within 2-3 days.
From the employer
Participants in salary projects can receive plastic at work. However, this is an opportunity, not an obligation. If you wish, you can pick up the card at the passport office without waiting for delivery to the enterprise. You can also refuse by informing the accounting department of any other convenient way to receive money:
- through the cash register;
- to a deposit account;
- to the account of another card.
Is it possible to issue an additional card to the main one?
The opportunity is provided only by Gold. The cost of additional plastic is 2500 rubles per year. Classical and Pension WORLD do not provide for the issuance of a second card to the account.
Card management
You can obtain the information you are interested in and perform non-cash payments and transfers in several ways:
- bank office;
- ATM;
- Personal Computer;
- mobile app.
Personal card account
The money is kept in a bank account. If you provided account details for transferring funds, when you replace the card, money will continue to flow unhindered. If you gave someone a card number for transfers, the data must be updated after reissue.
Sberbank Online
The remote service allows you to use and manage your Sberbank accounts from any computer or phone with Internet access. With it you can:
- receive information about money movements in accounts;
- pay for housing and communal services, taxes, cellular communication, fines and other accounts according to details;
- transfer money to individuals and legal entities.
What to do if it is not displayed in the account?
Contact a bank branch or call technical support at 900.
There are different reasons, the most common are related to design:
- a typo when entering client data into the database;
- unsuccessful data exchange when opening cards in different branches.
Mobile bank
The full remote service package allows you to receive on your phone:
- notifications about debiting and crediting funds;
- passwords for confirming non-cash transactions;
- information about loan debt;
- bank offers and other useful information.
Depending on the tariff, the service costs from 0 to 60 rubles per month. All clients have access to a free economical package, which allows them to receive all information except the receipt and expenditure of funds.
What to do if you can't pay?
Terminals regularly refuse to accept plastic for payment. This happens in retail and online stores. Possible reasons:
- incorrect PIN;
- expired;
- the card is inserted in the wrong direction;
- error when entering card data (Internet);
- plastic is damaged;
- insufficient funds;
- the terminal is faulty;
- the seller processes the transaction incorrectly (for example, a trainee);
- failure in work payment system.
What to do:
- make sure your actions are correct, try to pay again;
- try to perform any operation in another terminal;
- If attempts are unsuccessful in different terminals, contact your bank for help.
Discounts and bonuses
MIR cards allow you to activate the bonus program Thank you. Points equal to at least 0.5% of all purchases will be accumulated in a separate account. Sberbank partners award increased cashback, which sometimes reaches 30% or more.
Many of them also accept bonuses for payment. The list of participants and their conditions are constantly updated and are displayed on the bank’s website in the Thank you section. Check out the latest information.
MIR offers to register a card on its website and participate in the cashback program. The peculiarity of the service is that it is not possible to receive bonuses in all regions of Russia.
Practical jokes
MIR encourages you to pay for purchases with a card. There is a regular promotion where customers:
- register plastic on the payment system website;
- pay in stores with MIR;
- All purchases over 500 rubles are entered into a drawing for valuable prizes - amounts up to 1 million rubles, cars.
Pros and cons of the card
Advantages of the MIR card from Sberbank:
- the ability to receive payments from the budget for plastic is the main advantage;
- availability of free offers;
- wide network of ATMs;
- attractive loyalty programs from both the bank and the payment system;
- possibility of use in Crimea.
There are serious disadvantages:
- The system is new, its operation sometimes malfunctions;
- serious restrictions when paying abroad;
- lack of credit products;
- the only account currency is ruble;
- not all online stores accept MIR;
- imposing contactless payment functions;
- The service price is the same as international products, the quality is inferior.
Video: about the creation of a national payment system
Conclusion
When evaluating the pros and cons of the MIR card product from Sberbank, many make a choice in favor of international competitors. We can continue to use Visa and MasterCard at our own expense. There are no obstacles to withdrawing or transferring wages or pensions from social or salary plastic to another.
However, PEACE is an important stage in economic development Russia. The state has created a national payment system and maintains it: cards are free for recipients of payments, but the budget pays for their maintenance. The very money that went to foreign companies Visa, MasterCard.
The system has great potential. We will find out in a few years how well it will be implemented.
PayOnline Product Director Maria Goryacheva found 6 reasons to take a closer look at the first domestic financial product– “World” map.
National system payment cards (NSPK, which issues the Mir card) was created in 2014, the actual issue of cards started at the end of 2015. And until now, the attitude towards the Mir payment system is, as a rule, wary. Many are sure that “Mir” is a national exotic that cannot be properly used. Out of patriotic feelings, you can sign up for it and even take advantage of bonus programs, but you won’t be able to fully use it in life on a par with Visa and MasterCard.
Is there any point in getting a card that is not accepted anywhere? Is it possible to pay her abroad? Is it safe? When will Sberbank finally start issuing Mir cards? Let's figure it out.
1. Is Mir more profitable in comparison with Visa and MasterCard?
If we talk about the tariff policy for cardholders, it is formed by banks independently and is beyond the competence of the NSPK.
Among the products of the Mir payment system are debit and prepaid cards, debit card with overdraft and credit card, premium debit card with overdraft and credit card. You can study, for example, the rating of classic debit cards “Mir”. Thus, the cheapest card to service may be the “Classic World” card from Ak Bars Bank - its cost is only 200 rubles per year. A little more expensive - 300 rubles - you will have to pay for the "World Classic" card of SMP Bank, but noticeable advantages here will be the presence bonus program Travel Miles and free accident insurance or TZR policy (travel abroad insurance). On average, the price level of service costs is various banks ranges from 200 to 1000 rubles per year.
There are no significant price or psychological differences in the cost of servicing Mir, Visa or MasterCard cards in most banks.The only question is the number of retail outlets where you can pay with one or another card. It is obvious that so far Visa and MasterCard are noticeably ahead in this regard.
2. Where can I get a “World” card?
The official website of the NSPK contains a detailed diagram of the participants of the “Peace” PS. There are already more than 130 banks in the system. At the same time, only 23 banks can issue cards, including Gazprombank, URALSIB Bank, Otkritie Bank, recently joined Raiffeisenbank and others.
The total number of Mir cards issued as of July 2016 exceeded 220 thousand. A massive surge in emissions is expected from September, when . At the same time, the head of the bank, German Gref, recently noted that by the end of 2016, more than half of Sberbank POS terminals and all of its ATMs will accept national cards.
3. Where can I pay with a Mir card?
In July of this year, we became one of the first providers to enable Internet acquiring for Mir cards. This means that you can pay with Mir cards on the Internet. For example, users can pay not only with a Visa card, but also with a national card. This service is increasingly in demand.
In addition, at the beginning of the year there was only talk about the potential acceptance of Mir cards in stores and restaurants, but now the largest federal retail chains are beginning to actively work in this direction. And soon such functionality will no longer seem exotic at all.
The “newest” participant in this list is the Auchan hypermarket chain, which has been accepting Mir cards since August 25. A little earlier, the Metro Cash and Carry chain and the furniture giant IKEA joined in.
The big news was the start of accepting Mir cards in the fast food chain McDonald's. They became the first company with American owners to implement the project, despite sanctions against Russia.
Also, one of the first Russian fast food chains where it became possible to pay with national cards was Teremok. Among the most well-known points are the networks “Billa”, “Sportmaster”, H&M, cinemas “Karo”, “Aeroflot”, Mail.ru, “Megafon” - all of them have already deployed a ready-made infrastructure that allows you to pay with “Mir” cards.
Finally, an important step forward will be the implementation of the Mir card payment functionality on the global online platform retail AliExpress. In April of this year, NSPK and AliExpress signed a protocol on cooperation with the aim of developing a common culture of non-cash payments in Russia: so, perhaps, the long-awaited integration will happen in the fall.
4. Is it possible to pay with a Mir card abroad?
Yes, but for this you will need a co-badging card (a joint card of two payment systems, which can be used in both infrastructures): for example, “Mir-JCB”, which can be issued at Gazprombank branches, or “Mir-Maestro”, issued on this moment MTS-Bank. A similar “product” of import substitution can be used in almost all countries of the world: the same JCB has deployed a receiving network of 30 million devices around the world. Maestro has almost the same functionality.
5. Is the Mir card safe?
Some time ago, the media discussed the story that the security of Mir cards would be questionable at first due to the systems complementing the card. According to a statement by a Central Bank expert, “potential attacks will not be on the card itself, but on some systems that complement this card, for example, remote banking systems, reading information about a payment card, etc.”
Representatives of NSPK and leading Russian banks brush aside all misunderstandings: from a security point of view, the Mir card is absolutely identical to cards of international payment systems. It contains a chip with EMV technology, which is used, among other things, in Visa cards and MasterCard.
To others important point is CNP transactions (Card not present - transactions without the physical presence of cards), that is, when paying on the Internet. Here, a temporary NSPK solution is currently used based on the 3D-Secure standard Verified by Visa - in which the cardholder confirms each operation on his card with a special one-time password, which he receives as an SMS on his smartphone.
In the near future (by the end of 2016) it is expected to switch to independent from international payment systems 3D-Secure 2.0 standard developed by EMVCo. Its main difference is that the buyer will not be redirected to the access control server page. Instead, the client must have a special authentication application installed. It will also allow you to make payments using In-App Payments technology - directly from the application without using a web browser.
6. Map “World”: who is it for?
Now cards are issued mainly for salary and social projects. When developing tariff policy, public sector workers were primarily taken into account: over time, all salary projects budgetary institutions it is planned to transfer to the “World” map. Recently there was also a message that the Ministry of Finance plans to transfer social benefit payments to the NSPK. Favorable rates will most likely become one of the main advantages of the card. It is likely that the basic products of the Mir PS will be more accessible in the future than their Visa and MasterCard counterparts.
It is worth paying attention to the immediate prospects of the product: the implementation of a transport application on maps, and potentially also a social and medical one.
The loyalty program for Mir card holders, after its full launch, will also help attract consumers. It involves, in particular, cashback (return of interest on purchases to the card), the average size which will be approximately 10-15%.
Don’t forget about the basic advantage of the Mir card for Russians – the stability of its operation in any conditions. Everyone remembers the situation in Crimea with international payment Visa systems and MasterCard. Important, that national map makes it possible to make transactions and withdraw cash regardless of external political and economic factors. Personal data of Mir card holders remains in Russia.
Why did we decide to connect Mir? To support Russian company, which pays in the Russian Federation. I am sure that with the development of the national payment system, its creators will be able to offer both businesses and individuals many bonuses that will make the Mir card very attractive to customers.