Tricks of the mobile plastic

On payment of mobile services by credit card we have already mentioned. Really comfortable, really works and all sorts of additional advantages. However, in this case we are interested in "selfish" issue commission fees that are so nice to get (them) and do not want to pay (to us with you). Newsworthy - the introduction of an additional commission fee by UFS.

Operators like to receive money from their customers and are trying hard to maximally facilitate and simplify the procedure unpleasant parting with banknotes. Enumerate and analyze the advantages and disadvantages of the many ways to replenish the account, we will not, everyone chooses "its" convenient option. For all these methods, and invented. Payment is by credit card - certainly an attractive option, but with a permanent or an easily accessible connection to the Internet, this method is the simplest and most convenient. Almost instantaneous completion of any account in any amount at any time - these three plus has more than enough. All is good, but Russia - is not "wild" west, there is virtually transfer money from card to the account is not so simple. Most of the proposed scheme involves the use of rigid bundles of card - a personal account or a bank - the operator. And if the credit card number and personal accounts from different operators more? In this case, the choices are narrowed sharply. ATMs of many banks (including Sberbank) accept payments from any "foreign" cards in favor of the major operators, but the ATM still need to get there.

The percentage has crept unnoticed

Until recently, the popular leader in online payments could be considered a payment system UFS. Almost ideal: any non-electronic card (Visa or Euro / Master Card), all major mobile operators, online-credited to the account, a convenient "personal office" with continuing options to pay bills and payment history, no fees. The disadvantages could include the need for registration, a limit of $ 100 for the first payment and a lower "the bar" in the amount of 50 rubles. However, around mid-February, with the payment of some operators (including MegaFon-Moscow), the system quietly and without any warning began to take commissions. Blaming a lack of information is not necessary, appropriate help is available on the site, but someone from the regular users vzbredet head to go to the section of FAQ? In the process of payment and a warning appears (in red, but the fine print) on charging interest, but not everyone will pay attention to it. State of balance, too, will not cause suspicion: in stock transfer 500 rubles to the account - just to balance this amount is replenished. And that the map from the top five more, we learn only from the banking printouts. Unless, of course, we will scrutinize this listing. Ie formal warning and have nothing to complain about, but the administration could add this important information in a conspicuous place and at the same time and send notifications to registered users of the system.

In the list has risen in price "operators MTS and Beeline have not appeared yet, but who knows what will happen in a week or a month? We received an answer to a query does not inspire much optimism:

"Additional fee charged since January 2006.The Commission is not constant, financial decision can change for the benefit of customers. "

We must assume that the notorious "financial decision" with the same success could change in favor of the UFS. The more that employees of the company clearly does not know what is happening in the system: what about the January speech, if the sixth Feb. additional commission has not be charged?

Search options

In light of the materialization of the original principle of "non-permanent commission" UFS for some reason the desire to search any other channel on-line refill. Not that the amount of commission strained (in the case of buying prepaid cards sometimes overpay a lot more), but a question of principle: should also be competitors are not charging additional fees to the taxpayer? Trying to get the required information in MegaFon succeeded only in part: something useful to report, but simple and universal solution to offer could not.

According to information received, this payment system is not our direct agent. UFC Company receives payments in favor of JSC "Sonic Duo" through the company Cyberplat. From 02/01/2006 payment systems (including Cyberplat) have the right to charge additional fees to the payment, subject to mandatory notification of the subscriber to charge extra. Commission.

If the subscriber is connected to one of contract tariff plans, and he has one of the following plastic bank cards:

• Visa
• Eurocard / MasterCard
• Union Card
• Visa Electron, эмитированная Bank "Gazprombank"
• Maestro, эмитированная Bank "Gazprombank"

then, using the "Mobile Payments" subscriber can at any convenient time of day and in any place (even in roaming) to replenish the account of a credit card account balance (or any of its contract subscribers) in MegaFon-Moscow direct from SIM-menu of the phone. To activate the service subscriber should contact one of customer service centers of MegaFon-Moscow.

Plastic intermediary "Eleksnet"

It is quite an interesting option with many additional advantages. Map "Eleksnet" is not an independent means of payment, but a kind of intermediate layer between an ordinary credit card, and the payee. Bank card with all their details recorded in the system "Eleksnet, after which online payment card" Eleksnet "is a command system to transfer the required amount to the recipient with the simultaneous cancellation of the same amount from our bank account. Commission for payment is not charged, and we get an extra level of security and effective controls. As an additional useful bonus - the possibility of online payments by phone. A quote from the description:

Map Eleksnet - is a reliable tool, which greatly increases the security of bank payment cards via the Internet and by telephone and, thus, eliminates the risk of unauthorized use of your credit card details and financial losses. Cards are issued Eleksnet cardholders of VISA and Eurocard / MasterCard (except VISA Electron and Cirrus / Maestro). With the help of maps Eleksnet you can at any time and from anywhere in the world pay for the services on our website or by regular or mobile phone account to your credit card.

Map Eleksnet has opened a 12-digit serial number and a set of four secret codes. Codes printed on the card for its manufacture and will be known to you and only you, after you erase hide their protective layer. In addition to secret codes, our system allows you to enter a request to an additional, independently generated your code, which can be considered as an analogue for PIN-code, a payment card.You can install (change) the list of services that will be funded in the system, install (change) daily limits on transactions in the system, block the card Eleksnet, book excerpt from operations, as well as select other options for your convenience and security.

Tempting? Absolutely. However, "everything chocolate" is only in a confectionary shop. Map "Eleksnet" tied to a particular bank card, a card "Eleksnet" need to go into the office and fill in the blanks contracts with details of the "real" card. And if the bank card number? Amounts of plastic in your wallet doubles the number of rooms and any "secret codes" triples, half-day lost on a trip to the office and fill all the papers. And, of course, all passport details and details of bank card users in paper and electronic form shall remain in office "Eleksnet.

And not a wave in Siberia?

Curious project "Country Express" at first sight meets all our requirements. An impressive list of operators, lack of commission and did not seem to require advance registration. Accepted for payment are not strictly e-Visa or Euro / Master Card. Here are just a MegaFon-Moscow in the list of operators, no, sorry. However, in March, promises to attach to the system and, as long as we estimate the application in "real time" on the MTS and Beeline. Experimental 50 rubles from Moscow landed at the SIM-card MTS seconds after fifteen or twenty. Inspired by the successful experience, chose not to be penny wise and put the account in the Beeline three ruble turned out. SMS from the bank came after two seconds, SMS-confirmation Beeline - ten seconds, 11 cents successfully materialized in the account.

It remains to verify and clarify some technical details on the issues Mobile-Review is responsible Victor Lenshin, Manager Network Development "Country Express":

Are there any restrictions on banks, card issuers?

Restrictions on the issuing banks do not.

Do I need to register to make a payment? If required, can a registered user to pay any card or only the one that was specified during the initial registration?

Registration is not required.

Will I be charged commission when payment service provider? If yes, in what amounts when making payments to any of the operators?

For Beeline, MTS and MegaFon-Siberia fee is not charged, the entire amount goes to the client. Yandex-money nedozachislyaet 5% of the customer's account. For all other service providers takes a commission fee of 3 rubles.

The list of operators is not MegaFon Moscow. This is a bug, or Moscow MegaFon subscribers can not pay their bills through your site?

Subscribers of MegaFon-Moscow today can not pay their bills. But by the end of March, will add all the remaining "Megaphone" and this possibility has to be.

What is the lower and upper thresholds for the amounts paid?

Beeline - a minimum of 2 rubles., There is no upper bounds. For all other service providers - a minimum of 1 rub., There is no upper bounds.

Transfer of funds to the account occurs in real time or delayed? If the delay, what is its duration?

Transfer of funds to the account occurs in a mode online (about 1 minute). Yandex-money - one business day.

Are there (if so, what) additional restrictions such as number of payments in a single session or during the days / hours, number of payments on one account within a certain time, etc.?

Other restrictions.