Who can use the SBP?
Posted: Wed Feb 19, 2025 5:00 am
Initially, the service was available only to citizens. All business representatives could accept payments through the system, but they were prohibited from sending money. This concerned not only companies, but also self-employed individuals and individual entrepreneurs.
The situation changed in early 2022, when the service became available for interbank transfers between organizations. The opportunity to use it also appeared for the self-employed and entrepreneurs. Later, another area of the service began to be implemented - transfers to the state. The relevance of the option was explained by the need of citizens for quick and convenient payment of various duties and fines, and for making tax deductions.
Interestingly, the service is more profitable for businesses than regular acquiring. That is why buyers so often face requests from sellers to make payments via QR code. It is all about profit. If a business pays germany mobile database an average of 2-3% for standard acquiring depending on turnover, then in the case of accepting payments via the SBP, the commission is only 0.4% or 0.7% depending on the scale of the organization.
Important: do not rush to pay for purchases using a QR code, as in this case you may lose cashback from the bank. Also remember the limits and do not waste them if you plan to make large transfers in the future.
What you need to know about transfers through SBP
The transfer via the fast payment system was supposed to reduce citizens' expenses. The Bank of Russia and the National Payment Card System created it to reduce the financial burden on individuals and business representatives. As a standard, a transfer via the SBP is not subject to a commission if the user does not exceed the limit of 100 thousand rubles. But exceptions are possible, as well as its increase.
It is also worth paying attention to important facts about the service:
Transfers can only be made between banks that are connected to the system. The positive thing is that they are the absolute majority.
SBP is not always connected automatically - sometimes it needs to be done manually. Otherwise, sending and receiving money without a commission may not be available.
There is no link to payment systems - the service does not work with plastic cards, it is focused on transactions between accounts. That is why money can be sent without a commission.
The situation changed in early 2022, when the service became available for interbank transfers between organizations. The opportunity to use it also appeared for the self-employed and entrepreneurs. Later, another area of the service began to be implemented - transfers to the state. The relevance of the option was explained by the need of citizens for quick and convenient payment of various duties and fines, and for making tax deductions.
Interestingly, the service is more profitable for businesses than regular acquiring. That is why buyers so often face requests from sellers to make payments via QR code. It is all about profit. If a business pays germany mobile database an average of 2-3% for standard acquiring depending on turnover, then in the case of accepting payments via the SBP, the commission is only 0.4% or 0.7% depending on the scale of the organization.
Important: do not rush to pay for purchases using a QR code, as in this case you may lose cashback from the bank. Also remember the limits and do not waste them if you plan to make large transfers in the future.
What you need to know about transfers through SBP
The transfer via the fast payment system was supposed to reduce citizens' expenses. The Bank of Russia and the National Payment Card System created it to reduce the financial burden on individuals and business representatives. As a standard, a transfer via the SBP is not subject to a commission if the user does not exceed the limit of 100 thousand rubles. But exceptions are possible, as well as its increase.
It is also worth paying attention to important facts about the service:
Transfers can only be made between banks that are connected to the system. The positive thing is that they are the absolute majority.
SBP is not always connected automatically - sometimes it needs to be done manually. Otherwise, sending and receiving money without a commission may not be available.
There is no link to payment systems - the service does not work with plastic cards, it is focused on transactions between accounts. That is why money can be sent without a commission.